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Archive for December, 2007Renting vs BuyingI look at the cost benefit analysis of buying a home, and it just doesn’t seem like it is there to me. Yeah you can claim the interest on your income tax as a deduction… guess what, you still paid those taxes out of pocket, and it doesn’t come anywhere near making up for the deduction. Money down the drain. Insurance, money down the drain. Repairs and upkeep, money down the drain. Taking out an interest charging loan for hundreds of thousands of dollars and paying it over the course of 30 years just doesn’t seem prudent to me. I’m of the general opinion that borrowing money and paying interest are things to be avoided. Necessary at times of course, but if avoided, all the better. Not to mention, we’re paying $885 for a 1000 sq ft apartment with gated, covered parking, hot tubs, tennis courts, full fitness centers, someone is here all during the day to accept and hold packages, the location is wonderful, I need only take my garbage as far as my front door, where the trash pick up concierge service does the rest. Where the fuck could I find a property in the same location with the same benefits, same amenities, for $885 a month including the principle pmt, PMI, interest, insurance, taxes, upkeep, etc etc? Its impossible! Meanwhile, I’m spending a paltry $450 in rent for all that stuff and my extra money goes into an interest bearing account, that is MINE, that i can access at any time or move into other investments. Meanwhile, the money you pay towards you mortgage that builds you equity is stuck in your home, and all the while the housing bubble is collapsing. Not a chance in hell your equity is going to go up these days. Friend of ours bought a studio in Spire for $250k when it opened. its worth $170k now. He’s fucked. Nah, we’re gonna stay renting for a while. simple living, no headaches, low payment, save a ton of money and get a ton of amenities. We can move whenever we like. Its swell. Cars that are paid off > *Bought my ‘98 formy in 2004, 48 month loan, it was paid off today in full. Well… almost paid off. I called up e-loan to make sure they still had the correct address on file for me, to mail me my title. Turns out, for some stupid, idiotic reason, they turned off the automatic EFT payment withdrawal from my account. Normally each month the payment is automatically withdrawn, but for the last payment of the loan, they don’t do it. Why? How fucking retarded. If I hadn’t called them to make sure all this was ok, they wouldn’t have gotten the last payment cause they couldn’t mail me asking me for it, and then i would have gotten late fees and all kinds of shit until i finally noticed that it wasn’t automatically withdrawn. What the fuck? How is this a company? The guy told me this and I was like, incredulously, “Well its a damn good thing I called you people then isn’t it” and He LAUGHS and is like “yeah it is, it’d have been all messed up if you didn’t!” So now I just have to go on to their website and make an account and pay the last payment manually, not that big of a deal, but jesus, get your shit together people. Oh well, Its gonna be nice having an extra $300 laying around each month Whole Foods gives away groceriesThis is a nice story.
Woohoo! Free food!
One time a friend of mine came to a party and told everyone he had just taken some bear tranquilizers and to give him a beer. We were all like “LOL, oh chris, you so crazy.” He made it like 3 sips into the beer and then WHAM 100% stone cold unconscious, falls limp-bodied straight against the wall and collapses on the floor. We all bust out laughing for a good 10 minutes. Finally someone kicks him to try and wake him up… yeah that doesn’t work. Someone else checks to make sure he’s breathing, then rolls him on his side in case he vomits and go back about our partying. A good 18 hours later he finally wakes up and has no fucking clue what day it even is Why do we only get two candidatesCan someone explain to me why only having two presidential candidates was a good idea? I am getting so, so pissed off at people writing off both RP and Kucinich now, because they have “no chance” of even winning their primary, let alone winning the election. Everyone’s saying its gonna be Hillary vs Guiliani for ‘08 and there’s nothing we can do about it. What is this bull crap? How did we get to the point that we can only have two options to vote for? I mean christ, what if the NCAAF BCS Football championship bowl series only had two teams that got to play. Or what if March Madness only had two teams in the whole bracket. Or if ironman triathalons only had two competitors. Why can’t we get 10, or 15, or 20 candidates? All of them lined up and have them debate, and then you vote for who you like the most? Maybe even have elimination rounds. Fine, start with 20 candidates, america votes, 10 get eliminated. then down to 5, then pick your president. This status quo, two-party, republicrat bullshit is destroying america and it just doesn’t seem like there’s anything we can do about it. OutrageThe internet is angry this day, my friends. According to all trustworthy sources including the Discovery.com site itself, tonight’s 12/12/07 episode of Mythbusters was planned to tackle the “airplane on a treadmill” question that has plagued the vast depths of internet forums for going on 2 years now. The hour came and passed with nary a mention of the venerable plane and its companion treadmill. The Mythbusters forums are crashing; Thousands are coming on from OffTopic to demand explanation, as are thousands more from other forums world wide. I got on myself for a bit, all the explanation we’re getting is just one liners from equally pissed off viewers. You can feel a collective surge of anger stirring round the tubes this hour as The Mighty Discussion rages on, renewed once again without a definitive source to dispel the ignorant. Mythbusters, you can go fuck yourselves. However, in one strange twist of interest, searching on google for the phrase “mythbusters treadmill” results in this thread on the MetaForum beta site as the #1 result. CrAzY! Random[07:56] BEN4D1: gotta love it when you wake up in the morning and theres a dead guy outside your door hobbymy new hobby: going onto forums and finding the plane on a treadmill threads and then arguing, vehemently, that the sucker won’t take off. |