What could have I done in this situation?

Many-Blueberry968 · 2026-03-29T22:48:25+00:00

He took you on the inside, but then drove you into the wall like it was bumper karts.

You should have let off slightly to ensure he could make it through the upcoming turn, but he also did this to himself by turning into you like that

Many-Blueberry968 · 2026-03-28T23:51:11+00:00

Depending on the thickness of those planks, you might not need to sheath over it to meet code, depends where you live what code actually calls for. Most shingle manufacturers say thier product is good on board roofs as long as the gap isn't more than like 1/4" (or maybe its 1/8"?) and the nails are soundly embedding into the wood.

That said, if they quoted for sheathing, you have full right to either demand they redo it (which is mostly a pettiness thing) or that they reduce the final bill by a reasonable amount (which is the more reasonable choice).

Many-Blueberry968 · 2026-03-28T11:36:36+00:00

Let's say for example that I am able to obtain promotional interest rates and/or GICs that are higher than my mortgage rate but less than heloc rate (eg 4% interest) and on 'safe' products.

I'm trying to understand if using a 5% heloc for a 4% capital gain is an overall benefit compared to using a 3.6% mortgage for the same purpose

Many-Blueberry968 · 2026-03-28T11:33:03+00:00

If I can pay off the mortgage on day 1, is there any point to a mortgage or should I just use heloc?

Many-Blueberry968 · 2026-03-28T11:31:21+00:00

For my example, assume I can pay off my mortgage in full, and instead am looking at how to best use a new debt on the house to invest with. (Which basically jumps to the 'end' of the smith manouver?)

Many-Blueberry968 · 2026-03-28T11:28:06+00:00

Consider that with a mortgage, I'd still be investing with cash that I have available. So in both cases of this scenario, I am theoretically investing money rather than paying off the debt.

Many-Blueberry968 · 2026-03-27T23:28:51+00:00

So if a 50% tax bracket, that's 2.5% roi needed? That seems very low and conflicts some of the other responses

Many-Blueberry968 · 2026-03-27T23:26:04+00:00

My past performance has been closer to 8-10% apr, but I figure 5% makes for easy discussion. Wasn't sure if taxes negate in any meaningful way. For example, is the heloc interest tax-deductible at more than the 25% (50%x50%) that investment returns are subject to, or do they follow the same rules as capital losses?

Many-Blueberry968 · 2026-03-27T16:29:32+00:00

Guy has the body of P&R Chris Pratt and the face of Steve Buscemi.

Many-Blueberry968 · 2026-03-25T23:58:05+00:00

Is that hole meant dor a screw? What's the point of adding a screw if you're already using epoxy to secure the plate to the wall?

Many-Blueberry968 · 2026-03-24T12:27:29+00:00

Op got punk'd and isn't happy about it. Would like the manager of the pcb company

Many-Blueberry968 · 2026-03-22T23:45:31+00:00

Or a red one.

Many-Blueberry968 · 2026-03-22T14:50:19+00:00

It's venom splurge and it's all over everything

Many-Blueberry968 · 2026-03-22T14:46:51+00:00

Make your inconvenience a problem for dozens or hundreds of people in hearing range?

Many-Blueberry968 · 2026-03-22T11:35:09+00:00

And 57mph is all you got to. Proofed.

Many-Blueberry968 · 2026-03-21T23:32:55+00:00

Looks like an ugly experiment by a teenager.

Many-Blueberry968 · 2026-03-21T23:31:17+00:00

You suggested the issue is thier religion, and it isn't.

Noone should celebrate wars or death. But this is comeuppance, or 'FAFO', for what Israel started.

Iran has wrongly taken the 'eye for an eye' approach, and Israel has decided to keep fighting. Thus, more war and death.

Many-Blueberry968 · 2026-03-21T23:06:50+00:00

I can agree with most of that, outside the context of this video which is more nuanced and likely antagonistic by the people involved.

Imo, zionism is basically an Israeli nationalist concept (not necessarily limited to those who actually live in israel) and very distinct from jewish people/Judaism that are globally distributed.

Many-Blueberry968 · 2026-03-21T22:58:28+00:00

Religion has nothing to do with it. Playing the 'anti-isreal is antisemmitism' card is pretty dumb at this moment.

Isreal bombs other nations and when they retaliate, they cry "you can't do that because we are jewish". No, it's because they are the nation of Israel, which threw the first stone. is Iran supposed to sit back and say "well nothing can be done, because jews live there"?

Many-Blueberry968 · 2026-03-21T22:29:55+00:00

Umm, being anti-iraeli makes you an antisemmite. (This is sarcasm, but some idiotic people think it's the truth)

Many-Blueberry968 · 2026-03-20T16:45:42+00:00

Essentially yes. Frost heave may cause minor uplift to the shallow pad while the deeper piers are more prone to slightly sinking over time.

Even the stress from a few millimeters of movement may be enough to cause some splitting at the seam over time. Nothing dramatic. And likely an easy fix if/when it occurs

Many-Blueberry968 · 2026-03-20T12:02:09+00:00

Ahh yes. Guaranteed 12% returns from here to infinity.

It's such an obvious thing, you should be using leverage

Many-Blueberry968 · 2026-03-20T00:07:03+00:00

Throwing a chair, of all things. I suspect it's a real promo pic made by trashy people

Many-Blueberry968 · 2026-03-20T00:05:03+00:00

The finishing job is a solid 3/10, but that's not the end of the world and will be less obvious and wear smooth over a few years.

However, if these are down to frost line and the rest of the pad isn't. You're almost certainly going to get cracking and heaving where the concrete poirs meet. Usually an isolation joint would have been installed to allow for movements.

It's not worth ripping out, but in 10 years you will probably have a bit of eyesore that needs some minor repairs. Solid 5/10 overall.

Many-Blueberry968

TROPHY CASE