Trainguyrom

@Trainguyrom@reddthat.com

• ⁨Comment⁩ on ⁨Vitamins are good but idk....⁩ ⁨⁨15⁩ ⁨hours⁩ ago⁩:

  Have you seen the price of dildos? I can’t blame people for getting creative with household objects!

• ⁨Comment⁩ on ⁨Uber Eats or something idk⁩ ⁨⁨15⁩ ⁨hours⁩ ago⁩:

  Honestly I don’t remember. There’s a solid chance I misunderstood the point you were trying to make. I do remember being weirded out by the way your example has the loans working so I wanted to give a more real-world example of how loans and inflation benefit the borrower

• ⁨Comment⁩ on ⁨Uber Eats or something idk⁩ ⁨⁨1⁩ ⁨day⁩ ago⁩:

  I wasn’t the one who said that part. I just wanted to correct the simplified math with some real world numbers that put into perspective how much wealth just being able to get a mortgage sets one up for

• ⁨Comment⁩ on ⁨Uber Eats or something idk⁩ ⁨⁨1⁩ ⁨day⁩ ago⁩:

  Actually its the inverse. Borrower A is borrowing the equivalent of $105 and borrower B is borrowing the equivalent of $125 and after 5 years the amount they borrowed is equivalent to $160.

  Let’s put this into more real terms. Lets say 30 years ago borrower C got a $100k mortgage at a 6% interest rate. Ignoring everything else that often gets lumped into “the house payment” (insurance, property taxes, HOA/condo association fees, closing fees, etc.) their monthly mortgage payment would be $599.55 for the entire lifetime of that mortgage. That $100k in 1995 dollars that was borrowed would be about $210k when adjusted for inflation. Those 360 payments would also conveniently equal out to roughly $215k meaning they effectively were loaned the money for free over the timescale, and that loan payment of $600 in 1995 is still a loan payment of $600 in 2025 despite the fact that that $600 in 1995 dollars is equivalent to about $1200 today.

  Basically with inflation, property ownership ensures a roughly decreasing cost of living over a lifetime and property has a tendency to gain value faster than a dollar does, so ultimately being able to get a mortgage creates wealth for the individual by stabilizing costs that would otherwise grow indefinitely and they gain an asset that generally increases in value.

• ⁨Comment⁩ on ⁨The Illuminator Advert - Game Boy Accessory⁩ ⁨⁨2⁩ ⁨days⁩ ago⁩:

  I found the best experience with my GBA was simply to use it in a dark room with my MadKatz purple clip light

• ⁨Comment⁩ on ⁨Hell yeah bröther⁩ ⁨⁨4⁩ ⁨days⁩ ago⁩:

  I was just thinking it was a missed opportunity for a What We Do In The Shadows reference, but on the other hand the only other people I know who watch it are gay so maybe it would just go over Fox’s audience’s heads

• ⁨Comment⁩ on ⁨Update to last week's BestBuy Shenanigan. They refused to refund me after not delivering me the stuff I ordered after a so-called "investigation".⁩ ⁨⁨6⁩ ⁨days⁩ ago⁩:

  I worked in customer service escalations for a large company. We had a couple of dedicated people who handled inquiries on complaints sent to the AG, skipping several tiers of support if someone from the AG’s office asked about it. Usually it was some bored office adminstrator who’d share the customer’s complaint and await a response from the company and make sure everything was above the board, and largely exist as a mediator between the customer and the company. Involving the AG is a very good step to take in a customer service failure on any kind of order/RMA problems, especially if you’re out money

• ⁨Comment⁩ on ⁨Finally paid off my Costco hotdog 🙏⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  When I was a young adult I bought my first car with a loan because my girlfriend at the time relied on her parents old van which had the engine die (I very recently learned this was due to off label oil change practices her ex told her to do when he worked at the Walmart auto dept)

  Anyways since I had basically no credit history, I ended up with a 22% interest loan on my car! I didn’t know what I was looking at in the paperwork and the sketchy dealership my BIL insisted we go to flat out was “joking” "oh you don’t want to read that. Just sign here!’

  Once I had a chance to look at what I signed I quickly opened a bank account and got that loan refinanced down to an 8% interest rate. I also learned that it had some extended service plans added on that I didn’t know about which didn’t cover anything that wasn’t already covered by the manufacturer warranty.

  Later on I went back to college, pulled equity out of the car and refinanced it again down to a 4% interest rate, then a few months later I totaled it hitting a deer.

  I kinda forgot what my point was in sharing this story but here we are I guess

• ⁨Comment⁩ on ⁨I am two of them⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  Brb buying some onion rings

• ⁨Comment⁩ on ⁨I am two of them⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  I’ve phrased it before as “I don’t know if I’m bi-curious or just horny”

• ⁨Comment⁩ on ⁨I'm not okay.⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  I haven’t lived at the same address but I now live in a small enough town I’ve seen deer, turkeys and bald eagles from my yard, but I grew up in the suburbs where a raccoon was the wildest thing I ever saw

• ⁨Comment⁩ on ⁨I'm not okay.⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  complete removal of leaves from the property & neighborhood (which also removes the nutrients from the local top soil).

  See also: folks who insist on collecting all grass clipping when they mow. It’s free fertilizer that helps save some water. Some folks care too much about a golf course lawn that they fail to realize the obvious benefits to slight adjustments to their practices

• ⁨Comment⁩ on ⁨I'm not okay.⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  Bald eagles have made a resounding comeback after nearly being hunted to extinction around the '30s and '40s. If you live anywhere near the Mississippi you’ll probably see tons of them.

  I once nearly hit one with my car. Coming around a blind corner there was a giant ass bald eagle in the middle of my lane. Seriously it took up the entire driving lane and was about as a big as a small car with it’s wings partially out while it chowed on some prey

• ⁨Comment⁩ on ⁨A Completely Natural Conversation in the NYC Reddit⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  Idk what pushback you’re talking about,

  Y’know what, I didn’t look at usernames and assumed. That’s my bad. Sorry!

• ⁨Comment⁩ on ⁨A Completely Natural Conversation in the NYC Reddit⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  Ohhhh you meant grocery delivery not restaurant delivery. I think that’s the source of a lot of the pushback on your comment. Grocery delivery can absolutely make a ton of sense, especially when it’s only a fee of like $10-20 on what could be 2 weeks worth of groceries (basically a 5-10% increase in person trip cost)

  Personally I don’t do grocery delivery because often what I like and what I look for isn’t the same as what the shopper usually buys or looks for, and when they substitute it might not be something that makes sense. But I’ve been tempted before on particularly busy weeks or even just as a money saving strategy to avoid getting extra items that aren’t needed and/or for comparison shopping (I’m much, much more price sensitive when online shopping compared to in-person)

• ⁨Comment⁩ on ⁨A Completely Natural Conversation in the NYC Reddit⁩ ⁨⁨1⁩ ⁨week⁩ ago⁩:

  Given the extremely high cost of eating out compared to buying some frozen shit/random stuff for quick lazy meals at the grocery store I don’t think that makes financial sense. On the other hand I’m not going to fault people for choosing to eat out/eat delivery because they like it and can afford it

• ⁨Comment⁩ on ⁨[deleted]⁩ ⁨⁨2⁩ ⁨weeks⁩ ago⁩:

  Everyone dunks on Apple for throttling older batteries but the fact is this was super pro-consumer move. It prevents the phone from randomly powering off because the SOC tries to pull a burst of energy that the battery is too tired to output, and resets following a battery replacement, plus nobody notices the throttling except under synthetic benchmarks where you actually have performance numbers to see the handful of percentage points of performance difference. AND after this kerfuffle they added a toggle switch where if you so prefer random instability on an aging battery over 2% slower turbo performance you can choose to have that.

• ⁨Comment⁩ on ⁨Press F to pay respects⁩ ⁨⁨3⁩ ⁨weeks⁩ ago⁩:

  Comments and posts will still exist on other instances that lemm.ee federates to, but obviously your lemm.ee account will no longer be active

• ⁨Comment⁩ on ⁨How often do you take him for a walk?⁩ ⁨⁨3⁩ ⁨weeks⁩ ago⁩:

  As a parent of a special needs child we currently leash when attending large events (he is a flight risk) I would laugh so hard if someone asked me if he’s a rescue

• ⁨Comment⁩ on ⁨"And my dick fucks your wife more than you do. What's your point?"⁩ ⁨⁨3⁩ ⁨weeks⁩ ago⁩:

  For a Windows 11 machine 8GB is getting to be a limitation. Basically for right now its fine, but very soon 16GB will be the new minimum

• ⁨Comment⁩ on ⁨The joy of quitting a shit job with an asshole boss⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  As someone who was very recently fired without warning my approach is very simple: I have limited loyalty to the companyI work for, but I have a duty to do right for my coworkers. There’s a good chance I’ll encounter someone I’ve worked with before in a future job, and maintaining good relationships with former colleagues can be good for future career prospects. In short, businesses generally cannot be trusted, but people often can be

• ⁨Comment⁩ on ⁨The joy of quitting a shit job with an asshole boss⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  Two weeks is good practice especially as you move into more professional roles. Depending on the role additional notice might be preferred or even required since some roles in some businesses are critical enough to potentially impact business continuity if you leave unexpectedly

  For a shitty retail job though? Give a few days notice so the schedule can be updated and leave it at that, barring other obligations

• ⁨Comment⁩ on ⁨Anon reads between the lines⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  Holy crap the more I learn about MGS V the more I learn that I really need to actually put some time into it. I got it for free with my first GPU (a GTX970 a couple of months after the 3.5Gb scandal got big) and it was my first steam game. I’d never played any games of the genre (or related genres) or scope before (I’d grown up playing tons of Sid Meier and Maxis titles on disc) so the whole thing was kinda a culture shock for me

• ⁨Comment⁩ on ⁨Kid gave a reasonable answer without all the math bullshit⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  we don’t have an education system, we’ve got a babysitting system.

  To be fair, have you seen what childcare costs?! No sense subsidizing that through taxes when you can just make kids jump through BS hoops in an adversarial system as a form of childcare (and then not even run it the entire workday because fuck you)

• ⁨Comment⁩ on ⁨Kid gave a reasonable answer without all the math bullshit⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  Honestly I suspect the question was phrased poorly. It should have simply said “who ate more pizza” not stated who ate more and request to explain how

• ⁨Comment⁩ on ⁨Don't Look Up⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  I mean the island of Sark was invaded by a single dude in 1990 (apologies for the terrible linked source, its just one of the first search results that wasn’t a random reddit thread or other even less reputable source)

  The local volunteer Constable, the only law enforcement on the island, being informed of the invasion thanks to the notices, decided to take the threat seriously. On the morning of the invasion, Constable Perrée began to plan the island’s defense, which was a two stage scheme. First, he went looking for Mr. Gardes. He found him sitting on a park bench in army fatigues preparing for the massacre that was about to befall this island. As the Constable approached the invading army (a.k.a. Gardes), he saw Gardes loading his automatic weapon.

  The first “showing up” stage now complete, Mr. Perrée executed the second stage of the plan. He complimented Mr. Gardes on his choice of gun and convinced Gardes to remove the magazine and let him see the instrument of the island’s assured defeat, so the constable could better admire it. When Gardes acquiesced, the Constable took the gun and punched him in the nose. The invasion was over. The gun used in the attempted coup now sits in the Sark Museum next to old ships and a dedicated exhibit to one of the island’s two original telephone calls.

• ⁨Comment⁩ on ⁨Don't Look Up⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  Sir, !noncredibledefense@sh.itjust.works is leaking out and beginning to spread

• ⁨Comment⁩ on ⁨Anon measures up⁩ ⁨⁨4⁩ ⁨weeks⁩ ago⁩:

  instructions unclear, learned I enjoy a larger member than my wife does

• ⁨Comment⁩ on ⁨Let's play this game again⁩ ⁨⁨5⁩ ⁨weeks⁩ ago⁩:

  It’s really wild how research is continuing to find strong implications that we are not individual microorganisms but multiorganisms that act as one

• ⁨Comment⁩ on ⁨Let's play this game again⁩ ⁨⁨5⁩ ⁨weeks⁩ ago⁩:

  All thoughts are deposited on a random storage medium and format. So you might receive a 3.5" cassette formatted with ZFS or a flashdrive that must be read by laser refraction (like a DVD)