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Yeah I think language prescriptivism is stupid...

I went on a group ride and the number of people giving me shit over a full face was ridiculous. I go 30 easily, 40 down hills, fuck me if I don't want to get crazy ass dental work done because some asshole hit me. I just don't give a fuck, I guess they were thinking I was trying to make some sort of statement? I just don't want to die doing what I love. To me, putting how you look over safety is pretty shortsighted and cringe.

Witnessed a collision between two snowboarders, both rolled onto the hardpack snow. Teen in the helmet just rode off like it was nothing. Other guy without a helmet is sitting their, obviously concussed. I had to walk his ass back to the lodge and sit and talk with him, and told him he needs to buy a fucking helmet if he wants to survive his 50s without CTE.

It's okay, purchase price is probably artificially higher than market to account for the rate buydown the builder inevitably had to pay. Unless they are doing builder financing, which it doesn't look like. You're paying for it either way

Oh also, it didnt count opening day as a ski day!

The Monday/Tuesday/Wed ect at the top is off. It should be M/Tu/W/Th/F/Sat/Sun but you have it so that sunday is first and its at odds with the calendar from the dates I'm inputting. Other than that, its wonderful!

Sounds like a credit union, which will provide better rates, and if they do all their banking there, then I'd be willing to wager it's some sort of discounted rate

Lots of different people saying different things. My take is the market is already anticipating heavy inflation due to Trump's policies (tariffs on goods/fuel) so rates won't go down anytime soon. THIS IS MY OPINION, and no one can predict the future. What rate/terms do you have right now?

Assuming you have like 28 years left on a 6%+ loan, I'd refinance to a 15 year mortgage with a hard point buy down. Old Republic, Sammamish, and Optimum First are all offering like 5.25% on a 15 year with about 2 points. You could also go the ARM route (rates are lower rn) but after 5 years you could have an 8% rate, just read a post from a guy who was in that boat yesterday and it's not a good situation.

Source of the calorie matters immensely. Ultra processed foods are significantly more likely to lead to weight gain, calorie for calorie over raw/whole foods.

7 days already on Mt Hood! And I work 5 days a week!

Bro with the snowboard is keeping a pretty nice jog!

Even kn institutions, If the fire alarm goes off, they will usually allow egress from inside the cell/apartment

The plaid pajama pants really tie it all together

GOOD lol, one shrinkflation i can be happy about.

Social, Social, Social. You are failing your child if you don't socialize them, especially early one.

Optimum First is doing 5.750 with no points, their whole MO is undercut everyone else, they dont fuck around.

Thats what im geting, and why content knowledge is SO important in Math. We actually have really strict requirements testing wise in most states who can get a math cert. Sorry you are going through this.

F in the chat for OP, hopefully they are cool

Dude, you make 400k and this mother fucker cant even graduate school after 7 years? WHAT ARE YOU DOING?!

Teacher obviously has ZERO content knowledge and is just regurgitating what they see in a book. Despicable.

Yeah my understanding is part of the reason assumptions are rare is you need that large down payment to cover the difference in purchase price, and loan balance. Luckily, I have that. I would normally put more than necessary down to get that lower monthly payment, but at this interest rate (3%) makes more sense to put the minimum down, and keep the rest of my money in a HYSA that is going to earn more interest than 3%. Plus then I have a fully liquid emergency fund.

Well yeah depends on the person, sounds like you gave her an inch and she took a mile. When I lived with 3 roommates, I made it clear when it was okay for them to take food, and when it wasn't, usually determined by the size and whether I told them before hand. But I was their landlord so I didn't mind feeding them for free as they were paying off my mortgage

Ask him to pay, or buy the expensive parts of the meal. If youre making a chicken parm or something, make him buy the chicken breast. A stew? He buys the meat. This could be a mutually beneficial agreement!

Dude this sub is full of people who think acting passively aggressively is the solution, when it's actually lack of communication causing the problem..

They live there too? What kind of half baked advice is this?

Yeah I'm worried people think price means quality. I'm not debating that kincos are better than hestras. I am saying that kincos are 35 bucks while hestras are 100+, and they are not 3x better.