spicytuna62

Cleavage, dude.

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Piano-man, piano-man. Does whatever a piano can. Falls on crooks from real high. Squishes them. Kills those guys.

Look out. He is the piano-man

Mmmmm idk, I'll take my old beater Civic over any new Kia, Hyundai, Nissan, or Stellantis product.

Hell, just the fact that you can't buy a low trim Civic or Corolla with a stick shift anymore is kinda tragic.

The 90s are where cars peaked, and I will die on that hill.

Best part of driving a total bucket. You're really scraping the bottom of the barrel carjacking me.

Damn. I hate to hear that. Guess I'll scratch them off my list.

As I've heard it:

• Bosch makes the best dishwashers
• Speed Queen makes the best laundry machines
• Asko ~~and Miele~~ make the best stoves and fridges

And yes, they are all very expensive. But I want to get me a Speed Queen so bad.

"Mom, I don't know that the peppermint oil on my feet and lemon juice in my eyes did anything to cure my measles, tetanus, or COVID infections."

"Nonsense, Bobby. You just need to give it time to work."

"Peggy, that boy ain't right."

I've got just the poster. Nobody will ever suspect there's a hole back there.

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Tldr there is literally no reason for this product to ever exist. It mathematically makes no sense. Banks won't offer it. Investors won't back it. You'll have no incentive to take it.

The 50 year mortgage isn't just a bad product. It's a predatory product.

Interest is the cost of borrowing, plus a little extra tacked on for the capital the banks and investors tied up in the loan. Generally speaking, the longer you borrow, the higher your rate. It's usually better to borrow for as little time as you feasibly can because it's the double whammy of paying off that front loaded interest faster and clearing the payment from your own books sooner.

The thing with borrowing over time is that there's a diminishing return with more time. Assuming the interest is equal on a 30 year vs a 50 year mortgage, your payments go down maybe 15%. So assuming that $3,000 payment at 5% for 30 years vs 50 years, your 50 year payment is $2,538. Which sounds nice until you multiply payment amount by number of payments and find that the total cost of borrowing goes up >$442,000.

But you absolutely will not get the same rate on a 50 year vs a 30 year. It's too risky for investors to back it, no matter how you slice it. They'll want more interest on top of it if they do. So your rate might climb to 6.25% over the 5% you might have got on the 30 year loan. That changes the payment from $3,000 to $3,046.

Yep. The payment can be higher. Again, law of diminishing returns and higher rates because more risky.

So a recap. You're financing $558,845 after down payment, earnest money, closing costs, etc. With a 30 year term, you're looking at 5%. The payment is $3,000 a month so you ultimately pay $1,080,000 for the house. At 50 years, you're borrowing at 6¼ and paying $3,046 a month, so now the house costs you $1,827,600. Not only is your payment higher, but the house is ¾ of a million bucks more expensive! How generous!

This doesn't even factor in the extra 20 years of PMI you'll have to pay because if you have to borrow for 50, we all know you're not putting 20% down.

If you can borrow for 15 years, that's going to be the best way to secure yourself long term. But 30 year mortgages are overwhelmingly common because prices are too high. Even so, they're not a bad product.

But absolutely do not fall for this 50 year bullshit. The average first time buyer is in their forties now. Only a handful of us will live long enough to pay that off. You're probably better off renting for the rest of your life than taking a 50 year mortgage.

At this point, I'm down for a visit from the alien overlords as long as they make sure he's inside before they do it.

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Being truly in love means blasting ass specifically because he/she is next to you.

I'm from Oklahoma. Let me give you an overview of our seasons, beginning with

Spring: Starts mild, ends warm. Thunderstorms, hail, tornadoes, and flooding are the main stories here.

Summer: Hot and muggy throughout. No clouds, rain, wind, relief. All you can do is make your clothes wet. Sometimes, I just point a leaf blower up my shirt. And at my testicles. I take cold showers all summer. It's about the only way I can cool down enough to get some sleep.

Autumn: It's like spring, but in reverse. Thunderstorms and tornadoes do happen, but rarely are they strong.

And finally - Winter: Nothing happens in a typical winter. It might snow a couple times in Central OK. And that's really it. Once or twice every decade, we might get a historic winter storm. But most years are super uneventful and mild. It freezes most nights in deep winter, but only just.

In short, all four seasons are trying to kill you, but winter isn't trying that hard. Spring and autumn are briefly nice. The average temperature might be 72, but what's being left out is that it could be 91 on Monday, 49 on Wednesday, and 87 on Saturday. Or it could be between 65 and 75 all week. You never truly know until you get there.

At least it's not, say, Iowa. I know for a fact their summers are almost as hot as ours, but their winters are waaaaaayyyyy colder.

I've tried to tell my wife many times that it is just as hot and humid here as it is where she's from in Mississippi. Dew point is dew point, no matter where you are. It's just that the humidity here goes away sooner and stays away for longer. And we don't typically get tornadoes on Thanksgiving or Christmas. The southeast definitely does.

Anyway, we vacationed in Seattle last September, and - cost of living be damned - now I want to live there. If not for the weather, then at least for the seafood. But I love my nieces and nephews too much to be that far from them.