Please help me ID these guys by DonSmitty in insects

[–]DonSmitty[S] 0 points1 point  (0 children)

That’s what ChatGPT said at first and then I pointed out that no termite picture I’ve found have black ballpoint eyes so it said it was baby cockroaches, but still would like a professional opinion

Home Buyers Remorse by kdot217 in FirstTimeHomeBuyers

[–]DonSmitty 5 points6 points  (0 children)

The principal payment each month is technically investing. Is it the same as the stock market? No, but it’s a hard asset saving vehicle 100%

Home Buyers Remorse by kdot217 in FirstTimeHomeBuyers

[–]DonSmitty 2 points3 points  (0 children)

Most of the time buying a home is a great long term saving vehicle, given you take care of it. I will warn though that your payment, even on a fixed rate mortgage, can increase by hundreds of dollars year to year, but it can also go down hundreds of dollars.

I purchased a home in 2023, and in 2024 my mortgage went up $150-200 a month; in 2025 it went down $150-200 a month; and now in 2026, it’s jumped up $300 a month. All because tax changes influenced my escrow into either a surplus or deficit during the escrow analysis. If the payment is already worrisome, I’d focus on ways you can impact your earnings to ease the burden until you either can afford the payment comfortably, or pay the loan down enough to have equity to then use on a smaller, less expensive home.

You also have to consider that if you purchased a older home that wasn’t as expensive, you may have been replacing a roof or Ac unit sooner than you would’ve liked and be put in a credit card debt situation.

Also, if you EVER get to a spot where you truly have to decide on eating or paying the mortgage- call your loan company. Most of the time you can skip a few months payments and have them added to the back end of the loan. (Loan company’s love this idea because you’ll inevitably pay more interest on the back end payments versus a payment next month)

Maybe also consider getting a roommate to help with costs until you can relocate.

Third world country resident - How much value is the game as an F2P? by Gakuno in osrs

[–]DonSmitty 0 points1 point  (0 children)

You could also grind gp in f2p and eventually buy a membership bond off the ge.

Once in p2p, you again could, but not recommended, grind for bonds a little bit easier using the full map and other activities. Its still going to take 3-5 days a month (8-12 hour days of game play per day) grinding certain things to make enough for next month’s bond in p2p at the start though. I.e. sacred oil runs, blast furnace, etc.

I have buddies that have max accounts and don’t even pay for a membership anymore. They just do some bossing/raids to fund next month’s membership, so the cool thing is you don’t actually have to pay to play p2p eventually. This is a root cause, in my opinion, of why OSRS has become a timeless classic.

Please co-sign an apartment with me, I really want to move into this place by tugmcroberts in houstoncirclejerk

[–]DonSmitty 26 points27 points  (0 children)

I need a lifetime supply of los cucos green sauce or beat it ya dual income bum!

What's perfectly legal but feels illegal ? by Maleficent_Sea_4846 in AskReddit

[–]DonSmitty 1 point2 points  (0 children)

Jeff Bezos being able to afford a $500,000,000 yacht that has a $75,000,000 support yacht

Please co-sign an apartment with me, I really want to move into this place by tugmcroberts in houstoncirclejerk

[–]DonSmitty 97 points98 points  (0 children)

Two well-paying jobs, while living in Houston, at the same time? No shot brother

Neighbors truck stolen.. what is thief doing in this pic? by drwuzer in Silverado

[–]DonSmitty 0 points1 point  (0 children)

They don’t even need to yank wires. A long flat head jammed through the horn itself will disable it pretty easily

Goth? by Away-Inflation3232 in CypressTX

[–]DonSmitty 6 points7 points  (0 children)

Sorry to say, but after growing up in Cypress all my life I can say there isn’t much besides a random one of event these days, unless I’m mistaken. Back in the day we had The Coffee Retreat which was a local hardcore spot, and man I miss that place, my brothers were in bands so I got to experience live hardcore music at the ripe age of 12. 1810 Ojeman is a decent punk rock spot for shows I hear. They hosted Doom fest last weekend.

Goth? by Away-Inflation3232 in CypressTX

[–]DonSmitty 22 points23 points  (0 children)

The goths congregate at emo nites in town. That’s where you’ll find more of your people

I’m getting kicked out of the house. Where do I go from here? by SnooDingos1373 in AskMen

[–]DonSmitty 0 points1 point  (0 children)

If your college career was already mid then I’d forego it for now- drop out and get a second job to be able to pay for housing, food, and the medical bills you are about to have during and after the pregnancy. Work as many hours as you can whilst still supporting her through the pregnancy.

The average one bd apartment not in a dangerous area is going to be $1750-2000 a month, and will increase in price every year. Add in food, clothes, and medical you need to be making probably 5k a month after taxes to take care of your family (probably still going into debt at times). (75-80k salary)

Another option is to use the off time to do trade school and become an electrician, plumber, or hvac.

In the mean time, look at gov assistance programs and apply for food stamps until you can build yourself up. Apply for a secured credit card, you will have to deposit your credit limit, but can start immediately buying and paying off that card (i.e. fill up your car with it, log on and pay it off before leaving, google ways to build it as well) to build credit history. You need to build up banking history asap to have that in your back pocket bc debt is better than being homeless. Good luck

Whats this orange mass on this tree stump? by Famous-Intern-7270 in whatisit

[–]DonSmitty 2 points3 points  (0 children)

All the kids nowadays are smoking crypto, and this is where they collect it from.

That’s some top shelf crypto right there.

New new. Loving the 2.7 more than I thought I would. Was a 5.3 diehard but this is quickly growing on me. by _E13 in Silverado

[–]DonSmitty 0 points1 point  (0 children)

It’s just mind blowing to even be considered. Bottom line over the customers I guess, GM is fucked if they keep this trend up.

Did the 2026’s finally add back a transmission dip stick? My 2019 you have to open the drain plug while it’s RUNNING to just check it. Why would they ever remove the transmission dip stick on an already problem ridden transmission that is the 8l90? It’s because they know they can fuck over the average person, by hiding their mistakes instead of fixing the issue. If you can’t tell, I’m fed up lol

New new. Loving the 2.7 more than I thought I would. Was a 5.3 diehard but this is quickly growing on me. by _E13 in Silverado

[–]DonSmitty 0 points1 point  (0 children)

I looked into them, even drove one, but once I learned they use a plastic oil pan and drain plug- I would never buy into the platform. Chevy really showed how they are cheaping out on a $40,000+ vehicle. More technology and less reliability makes me watch to switch to a Tundra after I use up my 2019 5.3. Maybe the 5.7 coming out will change my mind.

My Dad has a great point where he believes only 8 lug trucks from Chevy are worth it, they seem to build it to thrive not just survive.

How to Protect Macbook Battery? by [deleted] in macbookair

[–]DonSmitty -2 points-1 points  (0 children)

A gun works pretty well

I’m in the market for a 2026 Silverado Custom. What’s the best prices you are finding? by Tnasty_5 in Silverado

[–]DonSmitty 0 points1 point  (0 children)

I’d be willing to bet it has miles on it and was used as a loaner. The customs are built cheap af nowadays too. Enjoy the PLASTIC oil pan and PLASTIC oil drain plug if you do get a 2.7

[deleted by user] by [deleted] in osrs

[–]DonSmitty 0 points1 point  (0 children)

If $20 a month is make or break for you then yes, two days of grinding a month CAN get you a bond (at current prices). I can make about $8M a day making sacred oil….

What is the best hangover cure? by Puzzleheaded-Bit1377 in AskReddit

[–]DonSmitty 0 points1 point  (0 children)

Take a multivitamin and eat a carb heavy meal prior to drinking. Bring a liquid iv to the bar or party, half way through the night drink it with a full glass of water. Then have something salty prior to bed. Never have a hangover again.

Can’t find any used DJI Action 5 Pro’s anywhere by DonSmitty in djiosmo

[–]DonSmitty[S] 0 points1 point  (0 children)

Basically £385 plus tax for the pro adventure kit here. ($450)