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.

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.

Me, but with any fluid intake. That first morning drink of whatever, and my body is like, “We got liquid? Send 'er on outta here!”

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.

Shuffalo, 1m 02s

🟡🟡🟡🟡
🟡🟡🟡🟡🟡
🟡🟡🟡🟡🟡🟡
🟡🟡🟡🟡🟡🟡🟡
🟡🟡🟡🟡🟡🟡🟡🟡

https://www.newyorker.com/puzzles-and-games-dept/shuffalo/2025/11/06

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.

Specifically, crab lice.

It was moving at the time of the photo. They poop, it turns over, and these two are utterly mesmerized by it.

They’ll come tearing ass from another room if they hear it just to watch.

Tbh, I’m super happy with the performance I’m getting. I did dig through my bios and found an old OC to 4.7 GHz that got me a few extra FPS on the low side.

I’m playing on my TV right now. My monitors are also over a decade old. I couldn’t run faster than 60 FPS right now even if I wanted to lol but I appreciate the thought.

But aside from ray tracing being off, I’m running 1080p at ultra settings perfectly fine. I’m just super stoked my ancient CPU can still run newer/more intense titles. It’s like being around in 2010 using a CPU from 1999. If you were using a Celeron that went in a slot, you probably weren’t running Windows 7, let alone Crysis lol

I actually dug in my BIOS and found a very old profile that I saved. So now I’m running at 4.7 GHz. I forgot I saved that. It does make her toasty though. But hey, who cares? These aren’t rare. Replacement cost is 50-70 bucks. Suppose I can swing that if I roast it to death lol

I mght have to play with RAM speeds. I unlocked the frame rate and was hitting 110 max. My TV only runs at 60 Hz so that’s where I’m leaving it. Still, the minimum was up to like 53 from 48. So it was still worth it.

I guess I didn’t get it across that I do already run Debian lol I love my Debian. It’s outdated, as is my '97 Honda. But like my '97 Honda, it just works every time. And I do use KDE. :) Ran GNOME for a long time and finally made the jump earlier this year. My customizations make it look and feel a lot like GNOME (because I really liked GNOME a lot), but with extra customizations that GNOME just wouldn’t let me do ootb. I like it so much. It doesn’t feel like Mac. It doesn’t feel like Windows. It’s totally its own thing. I love that.

My bad that it didn’t get across that I do use Debian lol I have been for a while now. I don’t mind dealing with outdated packages because it’s stable. Would a more up-to-date distro be more or less stable? I don’t know enough to comment on it, but with the stability issues I experienced in Windows (unrelated to the oc), I really wanted something that I could throw on there and leave alone for a few years.

I also drive a car from the 90s and I look at any IoT device with contempt. The refrigerator stays off my network.

But yeah, with the Win 10 EOL coming up, I wasn’t gonna upgrade because my machine really still does everything I want it to do. This was a bit more of a shit post. My PC didn’t hit 60 FPS in a game that it doesn’t even meet minimum spec for. Iirc, Cyberpunk requires at least a 7700K. Wasn’t looking for advice. Just messing around. ;)

The most I use my PC for outside of gaming is surfing the web, spreadsheets, and hosting files. Nice to have my own collection of movies to stream when the Internet goes down lol

I’m not implying that my PC running Debian is twice as fast as it was on Windows. I just really appreciate two things about it: 1) This CPU is still fast enough for what I want from it a decade later, and 2) That Linux was so much easier to learn than I ever anticipated. I guess it helps that I ran Ubuntu on various laptops for a decade before moving my gaming PC to a Linux distro.

My dogs sleep at least sixteen hours a day.

Maybe half of one, tops.

I gave 100% for the first maybe hour, then gave up on the rest of my day. So that averages out to like 12.5%.

The way they let their god get away with everything is why they let their politicians get away with everything, and why they will continue to vote them in, despite those politicians’ track records of enriching themselves and leaving their constituents out to dry.

She told me she didn’t want to hire me but was outvoted. That she really stuck her neck out for me by even letting me come on.

She never trained me to do my job. Just handed me the manuals, told me to read them, then expected near perfection. Never provided any real guidance. Never actually assigned more than a couple tasks to me, then nagged me because I wasn’t doing enough. She made me feel singled out. Like nobody else in the office liked me either.

My dog died in March of '19. I barely got any empathy from her. I turned in my two weeks in early May. I was one more write up from being fired anyway. When I handed her my resignation letter, she looked at me and said, “Are you sure?” I meant to say, “Are you fucking really asking me that?” Instead, I just coldly said, “Yes.” Turned my back, and walked out of her office. I kept my head down for the next couple weeks, collected my last paycheck, and rapid fired applications for the next few months.

Fuck you Sarah. I hope you lose your car keys just badly enough that your morning takes an extra fifteen minutes every day for the rest of your life.