fat ralphy

@IOU_ONElets fucking go! stop in on us now and then, drop a day in pies for old time sake.

Oxygen thieves - every last one

Most of the content people put out on social media is so fucking fake. That said I think for graffiti content and some creative content it is probably a crucial avenue. The fucking mind games that are involved in the social media corps are no joke - the suggested adverts, the content skewed certain ways etc I know a dude who had been looking up things about relationship issues and trust etc all of a sudden tik tok is showing those videos were they run phone checks on a couple and there is cheating or guides on how to check deleted messages etc. That shit is probably not a coincidence and is wild unhealthy. This whole til tok shit going on - while I so not support government regulation of free speech at all, this is for sure for sure a gray area that should be scrutinized Related note p-p-power post, I have a 7th grader and they are not allowed any social media. Fuck that.

I just peeped mine recently too - bro 60% of my monthly goes to interest. Wild. Simply by increasing what you pay monthly ie. paying more than the amount due will save you crazy amounts over the lifetime of the loan. My current monthly is 3,260 - if I pay 3,510 a month I save 45k over the loan. These are the fine points heads need to understand and seem intuitive but like anything you need to put work in to make it work for you. Once my money gets stronger I will be able to increase my additional payment significantly.

Been social media free for like 7 years now - feels good man.

5.15 yesterday - thats for regular.

I got a glizzy cart - Comparing @mortonand what we have here in the US is nuts - 30 year mortgage seems insane but for me it was the only viable option especially on single income.

shit I need to set up notifications - I must have fucked that up on install

@misteravensolid summary and a dismal picture of how things are unfolding but sadly accurate - I saw a stat recently that showed in my area you need to be making around 200k+ to live. @metronomehow does it work for you guys, we do have options here and it can largely depend on how "qualified " a buyer is....either a fixed or an "adjustable" which can fluctuate. The current US rates are between 6-7.5% - which are high but no where near the highest we have seen in the US. Rates were around 18% in the early 80's and only down to around 10% by the end of the decade. Fucking nuts - but again property values were hella lower. I am at a 3.25% fixed currently and when I got in initially it was 2.75% fixed - I had to pay my ex wife out with some equity and had to refinance to do that. I got lucky with the timing. . I am sitting here typing this and thinking goddamn 12oz has matured haha

It's "pi" day so my lady brought this home.....

Mexican is where I draw the line in Auburn haha @CALIgula My girl telling me this the new dope spot in Auburn - I am usually up there every 2 months or so... https://pizzerialuba.com/

Hit it up your next chance - yeah its a chain but its ducking good. Nice variety too. You ever had Old Town Pizza in Auburn - thats my girls hometown spot they swear by....

Those slices look hella good.

The other day I was telling my girl about this thread - when I was looking up hippies and haight street, Getty Images had a random photo on Haight of one of my tags, shit was random and tripped me out. Anyway - so I am telling my chick all this, she already thinks I am a fucking weirdo. And she goes "whats a juggalo", also didnt know what ICP was..... I knew there was a reason I love her so much.

this my spot in Silicon Valley - absolutely stupid. Bought the shit for like half 7-8 years ago....this Zillow estimate doesnt include a 1bdr apartment I added a few years back, 500sq ft. Depending on where you stay the market is bananas.

Just looked up my boys spot who lives in Denver - wild.

@Mercer hella fools dont invest time and energy into their career - Skilled trade like you, or unionized shit - post graduate education is a must to advance. I got a homie that has had 6 jobs since covid haha Another motherfucker I know can only "listen" to books - dude has adult kids who are unemployed living in his rent controlled apartment......dude just got a DUI and his breeze pregnant, he about to turn 45. Meanwhile my cousin who graduated from USC with a Masters In Electrical Engineering pays 2k a month for his athletic club membership and thats nothing to him. Shit is loose wizard - fer shiggidy.

Gotta put on the sheisty and hit a lick fam. lolz The whole situation crazed for average joe - for sure.

either way - median or fixer upper, fundamentally you are paying yourself. I would bet that exactly none of you are living in places where the property values have significantly decreased in the last 10 years

@mr.yuck solid points - in my area shit is ridiculous. That said I copped my pad in 2016 - but the median price currently in my area is 1.3M The fucking median price. Wild.

My boy trackside doin wide stance tings -

You are wild fam. I get strong Young Einstein Bukowski Hunter S. vibes - I am here for it. Always put a cap on the piss jug my guy - that is basic Scumbag 101.

dem cheeks - @Steel Schnauzer yo 6 years later you are still king of page 71! I will try and pervact on my girl this weekend, its St. Pattys and so I got that going for me....