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  1. Gravel

    The Holdovers (2023)

    Pretty decent Christmas movie. They really nailed the early 70's vibe (down to the opening credits and everything). Paul Giamatti crushed it. I think my only complaints are the main kid is kind of meh, and it seemed way too long. Had this been a 90-100 minute movie it'd have been perfect.
  2. Gravel

    Investing General Discussion

    Unless I'm mistaken, we just broke through for a new YTD high. Still a ways to go for that December 2021 number, but we're getting there!
  3. Gravel

    Student Loans and the SAVE plan

    In this era of the country, not taking advantage of any free money the government gives you isn't noble, it's just being stupid. It's like taking a voluntary handicap on your own finances. It's why I manipulate my income so we can get ACA subsidies. I'm pretty amazed at how much they're giving...
  4. Gravel

    Home buying thread

    Don't forget the moratorium's role in all this. While you were getting ass raped by rent increases, because you didn't want to be a deadbeat, there were plenty of people out there saying fuck it, I'm not paying anymore. And so you shouldered more and more rent hike burdens until it eventually...
  5. Gravel

    Home buying thread

    And had you been able to lock in a non-ridiculous interest rate, your payment would be like $1000 less.
  6. Gravel

    The Official Conspiracy Thread

  7. Gravel

    Investing General Discussion

    So now we get to the part where the Fed has basically acquiesced that there won't be more interest rate hikes, and we start heading into economic cratering. And then in another 18 months, they'll realize they fucked up and start jacking interest rates back up to try to correct it.
  8. Gravel

    Investing General Discussion

  9. Gravel

    Investing General Discussion

    Inflation is a real bitch. Think about where your concept of a million dollars come from. Likely sometime between your early childhood years and early adulthood. $1 million today is the same as (about): $145k in 1973 $325k in 1983 $470k in 1993 $600k in 2003 Would you have called yourself rich...
  10. Gravel

    Investing General Discussion

    20x face value is more than silver is worth though? That'd be $5 a quarter, whereas the silver value of one is just over $4.
  11. Gravel

    Investing General Discussion

    Been a long time since anyone talked about metal, and this is kind of an odd question, but has anyone had any experience selling coins? I've got a small coin collection that I'm not really concerned about, but rather I have 179 pre-1965 quarters. That's a little over 32 ounces of silver. My...
  12. Gravel

    Home buying thread

    Not to veer too far off topic here, but women's liberation is partly to blame. It's why wages stagnated starting in the 70's (and the gold standard, but we'll ignore that for now). All of the gains that employees should've made just go hacked in half because the workforce doubled "overnight."...
  13. Gravel

    For All Mankind

    I don't remember every season, but I do remember last season was pretty fucking terrible. In fact, one of the complaints I saw here constantly was that it was about 5 minutes of cool sci-fi or alternate history, and the remainder of every episode was boring manufactured drama that no one asked...
  14. Gravel

    The Marvels (2023)

    Kind of the problem when they first introduced the whole thing in that first season of Loki. So Kang is the "villain" and he culled a bunch of the multiverse, right? It was already done, and with it we had...the world as we knew it. Which...also wasn't so bad? So they started off with a...
  15. Gravel

    Home buying thread

    Yep, I've brought that up a few times. The answer I got is that it basically costs a builder a very small amount more to go from a starter house size to McMansion size. So they're incentivized to just build the bigger houses that fetch a much higher selling price. Add in that people apparently...
  16. Gravel

    Black Desert

    The necklace is super cheap to make. After that I went ring. Next up is probably going to be an earring just because I'll update my Capotia ring instead of putting a cup on it, and belt is kind of meh.
  17. Gravel

    Investing General Discussion

    Crushes estimates, goes red. 2023 summed up pretty well.
  18. Gravel

    Investing General Discussion

    Holy shit, it was above $20 again? God damn, should've held onto it longer.
  19. Gravel

    Home buying thread

    Same shit they said with gas prices. They're down 10%, celebrate (while ignoring it just doubled in price the year before)!
  20. Gravel

    Investing General Discussion

    Ahem... See my justification. It's literally just historical data, not even any kind of complicated algorithm.
  21. Gravel

    Marvel Universe stuff

    Glad someone else posted it. Love that clip. Poop marker is pretty good, too. People forget that Pratt basically did comedy to start, and he fucking killed it on Parks and Rec.
  22. Gravel

    Investing General Discussion

    C'mon Santa rally to 4876!
  23. Gravel

    Zarna Garg: One in a Billion (2023)

    Only thing I know about Iliza Schlesinger is she has a great rack. Thanks, Fappening!
  24. Gravel

    Home buying thread

    Wouldn't even surprise me. I remember when auto loans topped out at 60 months and I figured surely they'd never go higher. And sure enough there are now 84 month ones. Fucking 7 years. That's the average time people own a home now. So yeah, I expect 40 year mortgages will start becoming a...
  25. Gravel

    Home buying thread

    Don't even mention that you're paying in cash until you're already in the financing office. Anytime before that and the dealership will try to fuck you. They make no money unless you finance. Once you've agreed upon a price and everything else, then let them know you're paying cash. Or...
  26. Gravel

    The Marvels (2023)

    I said this in the strike thread, where people kept saying AI wasn't good enough. Yeah, well, human writers are also pretty shit. Can AI really not do better? I'm pretty sure it can handle making crappy reboots and sequels to 40 year old movies.
  27. Gravel

    Satisfactory

    I built some trains on my one playthrough just to fuck around, but also mostly for my own personal travel. They didn't seem super practical. But that was years ago, so maybe they're better now.
  28. Gravel

    Black Desert

    This is the weirdest game flex spaz out I've seen in a long time. Seriously, no one fucking cares.
  29. Gravel

    Investing General Discussion

    So we're going with "he's a Lex Luthor figure trying to become a deity with AI?" The 2020's are one crazy fucking decade.
  30. Gravel

    The Official Conspiracy Thread

    That's the craziest fanfiction for Earth I think I've ever seen. That dude should write comics.
  31. Gravel

    Marvel Universe stuff

    Anyone else expecting him to get hit by a car at the end? Would've been a funny video if could've had someone help him out to prank the public.
  32. Gravel

    Investing General Discussion

    As someone who worked in government contracts for almost a decade, I'm still baffled by that. I remember when the first audit came up. All of our property was accounted for across the base. I honestly can't wrap my head around it. Everything was serialized, and/or had a government...
  33. Gravel

    Black Desert

    Lahn already getting nerfed.
  34. Gravel

    Investing General Discussion

    The money supply contracting doesn't mean we have deflation. The money supply takes time to multiply within the economy. And when you increase it as much as we did, it's going to take a very, very long time for that to sort out. On the flip side, there could be an argument that all that money...
  35. Gravel

    Black Desert

    PVP was never as big a draw as the PVP people think it is. The game is dying because gear doesn't matter anymore. Them capping PVE gear is where they went wrong. There's no point in upgrading your gear when it doesn't give you any additional power.
  36. Gravel

    Investing General Discussion

    Wouldn't surprise me. Been saying it for months now that the Fed is using shit data. And they've overdone and to the point we may get deflation. Or maybe not. Who the fuck knows?
  37. Gravel

    Investing General Discussion

    He's been wrong a lot the last several years though.
  38. Gravel

    AssHat 2023 Final Four! Vote Now!

    Really wanted to vote for Folder, but Araysar vs wormie Seems predestined.
  39. Gravel

    2023 AssHat Voting round 4!

    On my phone, so this will be lazy. Ambiturner pharmakos Kirun wormie
  40. Gravel

    Marvel Universe stuff

    Well if you faggots would stop watching every new Marvel or Disney piece of shit, maybe they wouldn't? "But I love muh Star Wars!"