25 year mortgages also exist. I refinanced my house in 2020 after 2.5 years living there. I went from 3.99% to 2.875%. I didn’t want to restart my progress I had made so I did a 25 year mortgage and my payment still went down by about 20 bucks a month and knocked 2.5 years off the mortgage. Win win

I paid off my house last year at 35yo and have absolutely no regrets. It took just under 8 years. And my interest rate was 2.875%. I didn’t care if I could maybe do better in the market. The peace of mind having a paid off house is priceless. You can’t put a % return on that IMO.

Now my expenses are so low I’m able to invest $3000/month and I’ll be able to catch up pretty quick to what I may have missed out on since I’m only 36 now an my wife’s 34. No amount of potential gains could make me regret my decision. I sleep well at night

You can call him foreskin. Because he disappears when things get hard

I used to absolutely love this feeling until I had kids. Now if I’m waking up in the middle of the night it’s mostly because one of my kids is yelling for something. So when I wake up now during the night I pray it’s as late as possible, so I got more uninterrupted sleep. If I get woken up now and it’s only 1am, I think this could be a long night of several interruptions

I love AOC and would love to see her president someday, but the only thing that concerns me is hardly any president ever goes back to Congress after their presidency ends. We haven’t had that happen since the 1800s.

I feel like there’s still more she can accomplish in Congress now then finish with being the president. I want her around for many years to come and I’d hate it if we only got 8 years of her as president then she steps out of politics. She’s too young with too much to offer for her to peak too early and be out

Beyond HD

Found it on BHD

Fuck that. I never tip for pick up. I came to you. There was no service to tip for. Just do your job. I’ll tip for delivery when I do rarely get that. I also don’t tip when I’m standing up to order.

It’s pretty simple, the tip is for the service, not just an automatic add on for anybody doing their job.

Do you tip the cashier at the grocery store? And the bagger that bagged your food? What about the cart return guy that has to fetch your cart from the 2 parking spaces you left it taking up?

Is that the part that fully exonerated him?

It’s my birthday today so I’m having some friends over to grill and have a fire later

The easiest way to avoid ads is use an android streamer (I use the Google tv streamer) and install projectivity launcher. You get the cleanest UI that’s fully customizable with only what you want to see. I also installed a button remapper app to change the netflix button on my remote to open Plex. It’s a very easy stress-free experience using my tv

Surprised to see Ireland rank so low

The only weird thing is making weird comments about it like that

I don’t know if this is a very good idea

You’re absolutely right. Headlights have been getting better in the last 10 years I’ve noticed

Detroit hardcore, Kids in a sandbox

When I was younger I used to think a drug addict was someone who did drugs in their attic. I always thought it was strange that people had to go up in their attics to do drugs

Just needed some condom mints

Same. Just uninstalled that spyware

I still think it is