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What are you talking about? You already work for the government don't you?

Finally beat the base game today. And woudn't you know it? Apparently I'm a gigantic piece of shit because I got the "bad ending". Time to spend another stupid amount of hours beating the hearts of stone expansion.

I know you're a smart guy, I just wanted you to fully disclose for the sake of would be investors who hold your opinion in high value in such matters. I think that trust in your opinion isn't unwarranted but wanted you to elaborate because you were almost making it sound like the kind of success...

That is exactly the rub. It's what makes buying a house an investment in personal well-being and happiness rather than a financial investment.

Based on what you said in the Big Short thread are you at all concerned with the current market? I don't mean to be cynical but you sound like you're letting this outrageously bullish market make you cocky.

I wonder how many African Americans had to suffer in the fields before raw denim was perfected. Can we even put a number on it?

OK, and I get it. But when that's the case why buy a house at all? If you're future focused and investment savvy, why buy a house?

Ice wine and "young" wine for the sweet tooth of youth.

Gotta know your audience man. Fecal transplants... it's all about the gut bacteria.

Yea but now you've got a whole new problem. Shitting on their home turf first thing every morning.

No, that was me. Though it was "If you can't afford a 15 year mortgage you can't afford that house, and you shouldn't buy if you need to insure with PMI to get a loan" as a rule of thumb.

Yea... betting your home equity just sounds crazy to me but to each their own.

I was being purposefully obtuse. Because you were doing the same thing with my original statement.

I saw the Noblesse announcement on Crunchyroll today. Looks like a full on adaptation of the webtoon which I admittedly know nothing about. But you guys seem pretty excited.

Just so everyone is aware. I am heavily invested in VTI. It's my ETF of choice. I am not anti-investment at all. I just think a lot of the country has rose colored glasses on when comparing mortgage interest to market investments because 1) The market has done historically well in the past 7...

I definitely did not argue against investment. I made a point that "hindsight" means nothing when talking about a long term investment like VTI because if we were having this same conversation in 2009, when the price was $44/share he'd be thanking his lucky stars he paid his mortgage instead...

Stupid in hindsight if the price never falls back to 2009 levels. Smart in hindsight if it does. Though actually, hindsight doesn't mean jack shit when long term investing in an ETF like the Vanguard Total Market Index. Just dump your money in it and let it ride for 30 years. Wait until close...

No it isn't nonsense, seems like you're falling hook line and sinker as well. Doing a new build, customizing it for extra cash, and planning on moving in 4 years? That's not an investment at all. Though I guess if you don't see it as an investment, but rather luxury spending (which it is), then...

Yea Noodlebro. And don't even try to pretend you don't have those. You're married.

Yea, they did not include any emulation versions.

I've done a shitload of POIs and every sidequest I could find. I was level 29 when I finally went to Isle of Mists and now I'm level 32 after advancing the main line just a bit further and I've yet to craft a single piece of gear. Mostly because I've found very specific relics that increase my...

Cherry picking the original quote. You aren't "investing" in a house. You're buying a home that you plan on staying in long term.

Guessing it's gonna be one of those "pay the PMI up front" offers.

Buying a house you aren't either flipping or planning on living in forever is a huge risk and almost always a losing proposition (from a financial perspective). Knocking $8k off your principle over 5 years but paying $30k in interest and hoping you can sell for at least as much as you bought...

The Shining Force games were awesome. Didn't even realize they had a PC port. I remember playing Grandia 2 way back when and being underwhelmed by it. The Last Remnant is a great game. Got a few bugs but I put over 200 hours into that game. 150ish on just one playthrough trying to 100% it.

You're a bad and you should feel bad! And send the other 3 to me!

Duchesse will not disappoint

I don't understand the idea of "paying PMI up front". Isn't that just putting 20% down so you don't have PMI? What do they mean by paying PMI up front? Sounds like a scam to me.

Yea, putting your dick inside a woman is pretty homosexual. That's why I don't let women blow me, because it's basically the same as fucking a fish. Because fish have mouths too.

Does blood really have a distinctive smell? I've never noticed any strange smells during period sex. Is my nose worthless? Will I never become a master sommelier?

Godspeed.

I was not a fan of Tales of Z at all. I rushed through it then traded it in. I thought the story was completely uninteresting and the combat was tedious and mind numbing.

Cilantro tastes like nothing to you? That's crazy. It's one of the strongest flavored herbs there is. A little goes a long way in lightening up otherwise super heavy dishes.

Banks don't want to loan someone more money than the asset they are covering is worth in case they have to foreclose. Seems insane NOT to have a deal blown over it if you ask me (from the banks perspective). Also seems insane to be OK with paying more for a house than it's worth as a buyer.

You guys investing in individual stocks are bonkers!

How I read this post:

Nobody else has sex under a waterfall during period time? I guess I'm just way more romantic than ya'll.

Phantasy Star Online

Fisting week. Gotta help clear it all out.

Chicken is the obvious choice for most people because it's both cheap and versatile. But pork is just as cheap and just as versatile and you can choose between leaner cuts like loin or fattier cuts like shoulder. It's just a nice change to eat something else once in a while. Beef is also super...