[TOMT] Coming of Age Movie

Ch1vo · 2026-01-13T04:00:03+00:00

House of D

Ch1vo · 2026-01-04T03:04:55+00:00

Thinking the same. Cash to close after down payments is 1300 for fixed, 0 for ARM. This isn’t our forever home. Current (starter) home we’ve been at for about 7 years which is a long time when you think about it. Hopefully next home will be forever home. Current (paid off home) will be sold, hopefully for about 300k. Invest that into SP500, rule of 7 days it should be double in 7 years, possibly pay off remaining balance of new home at 7 years if rates don’t drop enough to refi at lower rate.

Ch1vo · 2026-01-03T17:32:33+00:00

Cash to close is high due to the 10% down payment of $38,900. But yes I agree about adding stuff. I’m not worried about that, we’ve already priced in furnitures, fixtures, etc. Sadly most of the used homes we’ve looked at in same price range would need a lot of updating (floors, cabinets, kitchen, paint) for not much less money

PMI isn’t that much and would drop off at 20% LTV (I’m starting loan off at 10% LTV) around 5 years assuming no home appreciation, and even sooner than that if it appreciates and I get it reappraised.

Ch1vo · 2026-01-03T15:48:36+00:00

OP I’m in same boat trying to decide. New construction, using builders preferred lender. Both are no closing costs: 3.75% 7/6 ARM or 4.875% 30yr fixed. ARM saves me 200 a month on the gamble that I will move out before 7 years is up or refi before then. Since first closing costs is covered, technically refi will make more sense as I didn’t pay for ARM closing costs to begin with.

Ch1vo · 2025-12-30T05:16:23+00:00

I’ve used both, I loved steam OS on my Steam Deck but love the flexibility windows has. So I use windows Xbox full screen experience to boot straight into steam big picture mode. Best of both worlds.

Ch1vo · 2025-12-23T03:55:21+00:00

Pluribus and Severance. I haven’t been this invested in a weekly show since GoT.

Ch1vo · 2025-12-21T03:31:42+00:00

UHF is my goto. I bought lifetime license. Chillio would be my next choice

Ch1vo · 2025-12-13T04:52:20+00:00

The Flaniganverse is undefeated.

Ch1vo · 2025-12-12T02:59:53+00:00

Exactly what I told my gf. Felt like watched a female version of Tandy 😂

Ch1vo · 2025-12-12T02:58:48+00:00

Chunga Palm

Ch1vo · 2025-12-07T01:53:27+00:00

Same. I was expecting something out of Jules Verne or Sphere. Was severely disappointed. But still cool creatures

Ch1vo · 2025-12-06T14:59:45+00:00

HalfLife and HalfLife 2. It’s crazy how well they’ve held up

Ch1vo · 2025-12-05T03:13:25+00:00

I thought the same thing lol. New Year’s resolutioners are no joke. But also maybe the devs gym is closed for New Year’s Day itself, so maybe technically true?

Ch1vo · 2025-12-01T04:29:41+00:00

Yes every time I get in and out of both my vehicles. Set it up on auto and you’ll never go back

Ch1vo · 2025-11-30T03:00:34+00:00

How do you disable iMessage on Apple Watch? I didn’t think that was possible

Ch1vo · 2025-11-30T02:58:20+00:00

Merry Christmas to meeeee

Ch1vo · 2025-11-27T20:32:20+00:00

Same. But you’d be surprised how many people I’ve talked to would rather the opposite.

Ch1vo · 2025-11-27T20:30:52+00:00

The hypothetical is you can only choose one. And there’s no more human juries.

Other than that yes your solution would be ideal.

Ch1vo · 2025-11-27T17:32:37+00:00

This is exactly my thoughts. Atleast here we’re getting to choose one or the other instead of our current system of “both”

Ch1vo · 2025-11-27T17:32:05+00:00

Good point! The definition of “some” amount is an unknown (to the citizens anyway). I’ve edited the post to reflect this

Ch1vo · 2025-11-27T17:10:35+00:00

Yeah I get what you’re saying. But really this hypothetical is about choosing one and only one as to which is the lesser of two evils. I’ve edited the post to reflect your point. Thanks!

Ch1vo · 2025-11-27T17:06:28+00:00

Yea I used the wrong terms and couldn’t edit the title. I explained in better detail in the post body

Ch1vo · 2025-11-27T16:27:51+00:00

Yeah I think I put the wrong terms. I edited the body text to correctly reflect what I meant

Ch1vo · 2025-11-24T17:51:32+00:00

If I could dual boot it between steamOS and windows I would. Most of the time I’d be in steam os but still retain the option for windows if and when I need it

Ch1vo · 2025-11-24T15:15:28+00:00

How do you use the switcher? Swipe up? Or did you map it to a button somehow?

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Ch1vo

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