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20k will not get you a 3 bedroom home. Do you by chance live in West Virginia? Their median home values is under 200k, and even then, 20k won't get you there. Trust me homeboy, 20k will not get you far, not even in the cheapest of regions.

The median US house value is 430k. The lowest legal downpayment is 3%, but that's plain stupid. Financially, anything under 20% makes no sense. Your mortgage will be super high and you'll have to pay for morgage insurance which you don't have to do if you do a downpayment above 20%.

Also, if it's so cheap and easy to buy a house, why isn't everyone buying a house right now? The majority of millenials and forward are renting and you're telling me half a year of rent is enough for them to get a house? Clearly they would have figured that one out by now.

Just so you understand my living standards. I do not own a car at all. I could financially afford one, but that wouldn't be a sensible investment.

I can't say I had such a civilized discussion on reddit. At least I can't remember. Typical reddit discussions always felt a bit more filled with emotion, maybe hatred. Lots of shitposting too. Might have to do something with the more targeted demographic of Lemmy.

Something being a business model actually doesn't mean it's right. Dropshipping exists after all. Paying everyone for their services can't be a viable solution either. The main business model here usually consists of "pay to upgrade". If you don't pay, it kinda works. If you do want to pay, it works really well. BitWarden is my personal hero in that regard. Their product works really well as freeware. It works even better when you pay for it. But I believe many paying users don't even need the additional functionality, they just pay to give something back. Moral retribution so to speak.

I see how blocking ads on freeware isn't morally wrong, I mean there's not much that's universally immoral. It's quite the topic in ethics, deontology says some acts are universally bad or universally good, no matter the consequences. A common example is honesty: being honest is always good, but I'm sure you thought of a dozen examples where honesty might not be the "good" way.

I still do agree with you. Blocking ads in specific instances can be completely fine. I mean we could construct setups where not blocking ads might lead to nuclear war. But I truly believe that it's fine in everyday use. You don't wanna see ads, they annoy you, you don't feel like paying with your time and brain cells. An individual avoiding ads is so inconsequential for everyone else involved, utilitaristically, that's a net gain of happines. On the other hand, ethics is not a study about individual actions, that's morals. I don't believe that any ethics could realistically support such a choice in the grand scheme. Assuming everyone acts by those rules, buying advert slots is wasted money.

Luckily we are indiviudals and like you said a day ago, there's enough people paying their taxes for you to evade them without consequences for either party.

I, in this instance, decided it's not about the company per se, it's more about the individual action. I'm no sucker for Nestlé, but you can't argue that they don't do good things as well. They are quite the big player in vegan meat alternatives and they actually do seem to put in quite the work to make sensible products in said category. They superficially seem to be sustainable and healthier than many other comparable products. Even if that's not true, even if their products are shipped around the globe eleven times a day, it's pushing for something that's ecologically sensible. If they themselves don't produce an ecological product, they still help to establish shelf space for other, more ecological products. So yeah, I'd buy a Nestlé product in that case. Even just to show Nestlé and the stores that such a product is in demand.

There's other scenarios where I don't act by the same logic simply because I'm a human and humans aren't known for being all that logical after all.

I'm a capitalist consumer and I greatly profit from my financial situation each and every day. I do live in a way too big apartment after all, and plans for individual housing are on the way. Not very ethical in the grand scheme xD

Ich hab das Problem irgendwie nicht. Im Restaurant gibt's für mich Sprudel. Zuhause trinke ich an 60 von 365 Tagen Sprudel... oder so. Ich brauch etwa eine SodaStream Kartusche im Jahr. Das sollen 60 Liter sein. Zudem Trinke ich im Schnitt 3 Liter am Tag, Gewohnheit und Zwang (Nierensteine).

I'm with you, homeboy.

No use justifying your wrongdoings by pointing at what anybody else did.

If you think Google or YouTube are evil, bad or immoral, just avoid em.

These are actively worse for me.

One of my friends once made a "crown of dumb". It was used at their summer camp to reward the dumbest action of the day for the tutors. Sadly, it never fit anyone because it was way too big, they could wear it as a necklace basically... until we recently found it in one of his moving boxes, and it fit me like a glove. Guess I'm the king of dumb now.

Anyway. I mostly wear headphones in office or while playing games, not so much music nowadays.. somehow moved on to in ears for that, since headphones don't really do as well outdoors (maybe because they don't fit).

I'm not really looking to buy new headphones, usually I just self assemble some stupid solution. For example, one of my headphones has a piece of bicycle tubing around the headband, holds up quite well.

"Ich gehe nicht wählen weil meine Nachbarn mit 1000 Verwandten eh alle koordiniert die AFD wählen."

Using Snapchat to actually chat sounds so frustrating.

As a swiss person, I get surprised every time the price doesn't automatically round to the next multiple of 5 cents when I'm in the EU. So yes, get rid of them.

I didn't even know they had a premium option because BitWarden is awesome and doesn't force it down your throat like some other cloud based PWD Managers do.

VPN, yes. For some reason your regular credit card works just fine. They don't check at all.