One thing to note on your first point: Generally speaking, the only time that equity loss doesn’t make a difference is if there is no mortgage. If you do have a mortgage; When housing prices are stagnate or increase, you can sell your home for a similar one with little to no loss (the buyer of your house effectively pays off your old mortgage and you roll your equity into your new mortgage).

BUT, if prices tank while you still have a significant portion of your mortgage owed: you’re screwed when you need to relocate. The sell price of your house won’t cover the reminder of the mortgage. If you need to move, you either pay it off (hope you don’t need to move for work) or foreclose. The bank is cool with either - they couldn’t care less about you.

Edit: Clarity and typos.

Songs for the Deaf - Queens of the Stone Age

In my opinion, it’s one of the most solid albums ever, start-to-finish - the kind of album that’s great on tape.

Yeah, the first one on the 360 was called Earth Defense Force 2017 (actually the 3rd game in the series). I’ve played a bunch of EDF 2017 and 2025 and they are so fun. I’m glad they’re still making them; those games are so over-the-top. If you don’t care about graphics and just want something fun, I highly recommend.

Earth Defense Force is a terrible looking game with an even worse premise and is fun as hell.