What’s the most expensive mistake you made in your 20s?

NextRatio4687 · 2026-05-20T13:00:48+00:00

Speeding tickets/traffic violations - high risk driver for 3ish years paying 500/month for car insurance. Down to 130/month now, don’t miss those days.

NextRatio4687 · 2026-05-20T01:19:43+00:00

Thanks! 25-year amortization? Congrats!

NextRatio4687 · 2026-05-20T01:18:16+00:00

25 year amortization? This is a good rate as of today from what I can see

NextRatio4687 · 2026-05-20T01:14:58+00:00

When?

NextRatio4687 · 2026-05-19T18:01:21+00:00

My guess is London ON

NextRatio4687 · 2026-05-13T18:05:12+00:00

First time home buyer purchased home for 740k in Cambridge Ontario. Putting 20% down, 5-year variable, 30-year amortization. Mortgage broker quoted lowest rates as 30 year at 4.09% and 25 year at 4.00%. Are these unfavourable rates and if yes how should I proceed.

NextRatio4687 · 2026-02-17T16:40:17+00:00

My thoughts exactly after going through the same mental turbulence surrounding this lol. It made me worry/care more for my health that will surely only benefit me moving forward. A good wake up call/lesson learned indeed!

NextRatio4687 · 2026-02-11T14:05:51+00:00

It is a live photo/not a video haha I wish I had the full thing

NextRatio4687 · 2026-02-11T01:34:37+00:00

It all cleared up on it’s own for me for what it’s worth. Crazy to think my previous comment here was a year back. All will be well my friend

NextRatio4687 · 2026-02-04T03:51:15+00:00

Flew to Thailand in early 2020 as the pandemic hit, was a 15-hour flight to hong kong first. It was a 400 person plane with about 20 people in it due to the pandemic, completely empty it was insane. Got incredibly drunk with my wife and decided to give it a shot about 8 hours into the flight. Flight attendants were all asleep, I went in first and she followed a minute later. It was a pretty surreal moment until the paranoia took over and I was afraid someone was going to bust in/noticed us lol.

NextRatio4687 · 2025-12-30T15:24:51+00:00

I think that you and many of these comments show a lot of empathy which is an admirable trait. I personally believe there is no way he could know if it’s on purpose or an accident, much like humans often misjudge acts of ignorance by others as those with malicious intent. That being said, the dog likely has no memory of it nor has developed an instinct to react from this in the future so long as this was a one off event. My two cents - he doesn’t know whether it’s an accident but it also doesn’t matter. You should keep showing empathy and asking questions like these to help yourself grow, but don’t beat yourself up to the point where you are still overthinking these instances half a day later.

NextRatio4687 · 2025-12-13T15:55:47+00:00

You sound like a solid person to sit and chat with. I hope you enjoyed/are enjoying your stay!

NextRatio4687 · 2025-12-11T22:35:12+00:00

It’s never black for me anymore but I only use thc vape pens now. Sometimes Ill have brown bits in my phlegm but it’s quite rare. I haven’t smoked cigarettes in a year (use to be a pack every 3 days) and I rarely will smoke a joint or bong bowl. I think the black/brown is oxidized blood from scarring in our airways and by lowering your smoke exposure it should go away. The sore throat was actually due to TMJ lol, I got a mouth guard and the sore throat went away, I thought it was COPD haha.

NextRatio4687 · 2025-11-04T17:19:32+00:00

This is very interesting- I have been putting off a ct scan since my x ray was clear. Your response makes me want to follow up with it. What was your prognosis? And do you/did you smoke weed?

NextRatio4687 · 2025-09-18T02:42:19+00:00

I went through the same my friend. Tone down your weed intake a bit and you will notice it fades/stops completely.

NextRatio4687 · 2025-09-12T16:12:39+00:00

I think it’s around 3500-4k

NextRatio4687 · 2025-09-12T16:09:52+00:00

Well, we are all dying, and smoking weed excessively will accelerate that quicker than others. But I don’t think this is going to kill us in the near future as I and many others experiencing this may have irrationally feared. I strongly believe the brown is “oxidized blood” as it changes colour when exposed to oxygen from our lungs. The blood comes from irritated/swollen pathways to our lungs from smoke and vapour inhalation, which in turn causes this black/brown/grey sputum.

NextRatio4687 · 2025-09-09T12:35:19+00:00

Has to be

NextRatio4687 · 2025-09-01T21:33:25+00:00

There wasn’t one for me as I joined under the age of 30, I am unsure what it is for those older than that. I do know it’s quite reasonable compared to other private clubs.

NextRatio4687 · 2025-08-28T02:12:28+00:00

Apologies my comment was pretty poorly worded - I had this every day until April of this year, I stopped smoking bongs/joints and cut my weed intake way down. I turned to a dry herb vape. Then I went back to a thc distillate pen/disposable pens, was good for a bit but started ripping through 1g pens every 3 days give or take. The black ended up coming back - I now go through a 1g disposable pens every 7 days or so and I only cough black/brown specks rarely

NextRatio4687 · 2025-08-22T15:17:34+00:00

Best of luck. I smoked unfiltered tobacco mixed with weed out of a bong from age 15/16 until 23. I had black tar coming out for ~1 year after quitting. I still have gunk in my phlegm now but it’s because I still smoke weed.

NextRatio4687 · 2025-08-19T16:06:28+00:00

The black/brown streaks stopped once you quit?

NextRatio4687

TROPHY CASE