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Posts by redfox57

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My wife and I are both working, and we just looked at a mortgage for a place around $115,000.

Monthly payment is $800.
Total you hand back to the bank? About $240,000.
Term: 25 years.

I look at my buddies and they're all drowning in debt without a clue, then I sit down and run the actual numbers.

$115,000: 25/12 = $383.33 per month.

Basically, if I just rented an apartment for $400 a month for 25 years, I’d still have money left over after paying interest.

What's the point of chasing these loans when the place isn't even truly yours until it's paid off anyway?

Just rent, stash the extra cash, and hope interest rates and wages don't stay this garbage forever.

Honestly, I don't even know if I'll have a job in two months, let alone twenty-five years from now, so why bother with a mortgage?
honestly, why even bother? they'll probably just book some cheap local acts
or maybe one big name who had one decent hit back in the day and wanted to tour but couldn't because of some global crisis,
so now they'll just swing through DC and grab some greasy burgers instead.

the whole thing feels like some cheesy commercial for those old mobile carrier ads.
Rachel Martinez22 said:And she’d love to catch some acts I actually can't stand but find interesting—like seeing how Jack White handles things solo without Pete Wentz, or Liam without Ariana Grande, basically just seeing Beady Eye. :


Man, I hope you get to see them. Honestly, we probably need to give Pete Wentz a makeover too, along with the CEO of CNN.
So, what's the deal with all this at the end?
190 bucks for a gig at Madison Square Garden? They’re playing for $45 each
which is basically double.
It's not like they're some cheap indie mag.
So, who's actually showing up?
I'm lowkey thinking about heading out. These guys have some killer stuff.
ATM fees in Banking, Insurance & Loans ·
wanderingharbor61 said:If you're using a JP Morgan Chase card at a different ATM, the fee is $30 (or 4.5%), which is what they'll hit you with based on the amount you take out.

As for being charged just for using some "random" ATM—I've honestly never heard of that happening 🤷!

man, I used to do that for my old man all the time so I wouldn't know. Honestly, I've got like 100 cards and things move so fast, I once misclicked while trying to hit a new ATM and just went for it.👎
ATM fees in Banking, Insurance & Loans ·
So I messed up and grabbed cash from a Chase ATM instead of a Bank of America one
$667 using my Mastercard from Wells Fargo.
Does anyone know what the fee is for using their machines?
How would you choose to go? in Health ·
northernmoose42 said:old age, just passing away peacefully in my sleep🙂
quick and painless... that's the dream for me

Plus, if someone's elderly or dealing with a heart attack or stroke,
"natural death" just means it wasn't violent, and I'm assuming they weren't a teenager when it happened.
How would you choose to go? in Health ·
Any guesses?
I'm just hoping for something quick and brutal—maybe some heavy metal at 70 bpm so I don't lose my mind completely.
Ferrero Rocher, Milka Caramel, Kinder
Stomach cramps/upset stomach in Health ·
My lower left side is killing me because of my diet. As soon as I eat something that doesn't sit right, I feel it immediately.
Driving, fog, and wind conditions in Health ·
Sugar and stuff like that will give you the runs, coffee too.
United 93 in Movies ·
Just watched some random documentary on YouTube, and it’s pretty wild how that plane went down. There isn't even a wreck to be found, just tiny little fragments scattered everywhere.
What actually makes music good? in Music ·
Morgan Bishop4 said:what actually matters when you're listening to music?
is it the lyrics, the melody, the beat, the vocals, or how the artist looks (ugh)? I know everyone's gonna say "everything matters," but whatever...
for me, it used to be all about the melody—just finding a solid tune.
now, it feels like all the good melodies have already been used up, so I care way more about the lyrics. I especially love when it's in English because I don't catch every word right away, so I get to discover the song slowly.
most American stuff just turns my stomach lately; the lyrics feel cheap and childish. Plus, when someone sings in a foreign language, the lyrics can be so stupid I don't even realize it, even if the song itself stays catchy.
what do you guys think??

Vivaldi’s Four Seasons, Guns N' Roses with Sweet Child and Under the Bridge, Tiësto's Adagio—they're all great, but you can't link them together because they just sound good. (And yeah, some people might find trashy pop catchy too, but there are plenty of dumb tracks out there—find the connection if you can).
Personally, I think everything matters except for the music video and the artist's look.
This movie hits all the right notes, covering both the big-picture history and how it actually affects the individual.
Really solid stuff.
Emily Ramos said:Personally, I’m stoked they finally made a war movie (haven't seen Flags of Our Fathers or Letters from Iwo Jima yet) where the fighting isn't the only thing holding the whole thing up—and don't get me wrong, I respect the classics, I'm not saying they suck.
Of course, I'm talking about the "good" ones everyone loves, like Apocalypse Now, Platoon, or even Saving Private Ryan, which I know some people here can't stand!
What I loved about Flags of Our Fathers is how they show the soldiers as just regular guys caught up in the mess, whether they wanted to be or not, just doing their jobs.
Then you've got the politicians back home playing them like a fiddle, using them until there's nothing left and then basically saying "bye bye, forget about them."
But hey, it came out at an interesting time, much like Jarhead, with 75% of Americans wanting the war over and Bush being even less popular than Nixon; honestly, it kind of bothers me when they use WWII as a way to critique today—that was a different era, a war that absolutely HAD to be fought, if for no other reason than that. Thank God for Americans.

The point is, it had to be fought, but those two bombs at the end were unnecessary, especially hitting civilian cities.
I'm definitely going to check it out; just downloaded the soundtrack today.
The Thin Red Line is an incredible movie, and those tracks are honestly top-tier.
Sometimes I just feel like... in Health ·
So, what actually counts as healthy food? One crowd says it's all about fiber, then another group tells me fiber is exactly what's causing my gut issues. Makes zero sense.
I need a concrete weekly meal plan—breakfast, lunch, and dinner (and please, make it actually edible). I'm a bit of a foodie, so don't give me plain boiled chicken.
Sometimes I just feel like... in Health ·
I’ve got this weird pain under my left ribs and down near my hip—about 10 cm left and a few inches down from my navel. It’s hard to even describe. I went to see my doctor, and she basically told me if I keep living like this (eating absolute garbage), I can look forward to some seriously invasive exams once I hit 40. We all know exactly what kind of checkups she meant. Now I'm sitting here wondering... how am I even supposed to eat healthy?
So, what does "healthy eating" actually look like these days?
I've already decided to cut way back on Coke and anything carbonated, which unfortunately includes my one true love, Bud Light.