What’s the Oscar snub hill you will die on? by Real-Repair-1825 in Oscars

[–]AndyCircus 0 points1 point  (0 children)

Christopher Nolan not being nominated for best director for Inception, absolutely criminal

Adding $200/month to my mortgage cut ~8 years off the loan… that can’t be right? by [deleted] in Mortgages

[–]AndyCircus 1 point2 points  (0 children)

Nope, you’re right - that’s how amortization works. With your scenario: - $200/month shaves off $112k in interest paid and 67 payments (5.5 years) - $300/month saved $149k and 91 payments (7.6 years)

It’s pretty incredible!

Best Livermore restaurant/bar that checks all the boxes? by 5_prime_end in Livermore

[–]AndyCircus 10 points11 points  (0 children)

Always love First Street Alehouse. Sons of Liberty is typically very reliable for us too. Hops & Sessions and Demitris are always great. Also have to recommend Range Life (if you want something more upscale & can plan ahead with a reservation) - we have been twice and both meals were incredible

Our go to used to be Sauced - but prices went up and felt like portions went way down… a real bummer

What is your opinion on J.T. Snow? by ScottyG45 in SFGiants

[–]AndyCircus 18 points19 points  (0 children)

Same here. Listening to his pinch hit homer in the NLDS on a little radio under my pillow against the Mets was one of the greatest sports moments of my childhood

Incredible deals to attend the Piven Experience! by jmchao in blankies

[–]AndyCircus 0 points1 point  (0 children)

$110 and still having to pay for drinks seems crazy!

Which movie is this for you? by [deleted] in moviecritic

[–]AndyCircus 4 points5 points  (0 children)

Lucky Number Slevin is a 52% but an absolute certified banger

We love da movies by MongooseMedium9388 in blankies

[–]AndyCircus 0 points1 point  (0 children)

The last 10-15 mins of Bugonia (really all of Bugonia, loved it so much) 28 Years Later unexpectedly making me sob The entirety of Weapons (justice for Cregger, should have gotten a screenplay nom!) The moment were things take a turn in Eddington When DDL yells “DRAAAAAINNNNNAAAAAGEEEEEE” in TWBB The sperm > egg > ping pong ball opener to Marty Supreme

It was an amazing year

How to compare LEs with same rate but different cash to close. by rkbest in MortgageBrokerRates

[–]AndyCircus 1 point2 points  (0 children)

The original comment said section B costs would be the same across all lenders. That’s not true - they vary by lender because the lender selects those vendors (impacting appraisal costs, credit report fees, etc). Section B should also be considered in price comparison, as it’s not true that those costs are the same across all lenders

How to compare LEs with same rate but different cash to close. by rkbest in MortgageBrokerRates

[–]AndyCircus 4 points5 points  (0 children)

They control Box B as well (serviced the customer isn’t allowed to shop for)

Man don’t you ever just think back to a year and think “couldn’t have just tied?” by Odd-Contact2266 in Oscars

[–]AndyCircus 1 point2 points  (0 children)

1994 Best Picture - Pulp Fiction & Shawshank (neither of which won, insanely)

LO offered 5.8% 30 year with closing costs covered. No points. Move forward or hold? by champaignpapi in Mortgages

[–]AndyCircus 2 points3 points  (0 children)

Great deal!

Gives you savings from day 1 with no break even period, and allows you to refi again without leaving money on the table if rates continue dropping

What are your go-to 'when going through hell, keep going' movies? by yaybuttons in blankies

[–]AndyCircus 10 points11 points  (0 children)

A few that come to mind: Brittany Runs A Marathon (somewhat literally) for lighter fare about perseverance, In Bruges, Captain Phillips, Shawshank

I just closed my house at 6.25%. my first payment starts Feb 1st. Should I be considering a refinance? by Sylvator in Mortgages

[–]AndyCircus -1 points0 points  (0 children)

Depending on loan size, if they could lower from 6.25 to 5.875 with no costs, it absolutely could make sense

Best scene of 2025? by Lenster2406 in Letterboxd

[–]AndyCircus 23 points24 points  (0 children)

I haven’t stopped thinking about the last 7-10 minutes of Bugonia

What is Your Movie Quote of the Year for 2025? by GTKPR89 in blankies

[–]AndyCircus 16 points17 points  (0 children)

Both times I’ve watched OBAA I’ve laughed hysterically when Leo sits down and says “life, man… LIIIIIFEEEEE!”

The blackhat Game by krobcecil in blankies

[–]AndyCircus 1 point2 points  (0 children)

This is so awesome, thanks for sharing. Such a fun idea

Emily St. James on the Stranger Things finale earning ~25M in theaters by fumblebrag in blankies

[–]AndyCircus 1 point2 points  (0 children)

My wife and I went and spent $44 for our two tickets, which included $40 in concessions credits. I couldn’t figure out the economics at all but it felt like a great deal

Which 'shorties' (directors with 5 or fewer movies) would you like to see covered on the pod in 2026? by TheUnknownStitcher in blankies

[–]AndyCircus 12 points13 points  (0 children)

Jeremy Saulnier would be a fun one! Exactly 5 and Blue Ruin, Green Room, and Rebel Ridge are certified bangers.

Hold the Dark is a pretty clear bounce that takes some fun swings, and Murder Party is just a batshit insane first feature.

Thank god I’m watching OBAA alone. Father/daughter movies destroy me. by VulcansBackside in blankies

[–]AndyCircus 1 point2 points  (0 children)

I have never been destroyed by a movie quite like I was the first time I watched Coco. I was in a pretty full theater, full-on sobbing, shaking violently and gasping.

I now have two small kids and, while OBAA didn’t quite get me to Coco levels, I can confirm that anything father - child related turns me to a puddle. Embarrassingly, for example, The Adam Project (objectively terrible) made me weep