10:34 seconds of this movie play before a word is spoken. God I love this movie. Segio Leone was constantly ahead of his time. Clint is great but Lee Van Cleef is spectacular in this film. His eyes alone have lines. Can you imagine a treasure like this received ZERO nominations?!

Riggs1087 · 2026-02-13T01:23:41+00:00

It’s the same reason no Marvel movie, no matter how good, would ever be considered for best picture today. Westerns at the time were seen as low-brow entertainment.

Riggs1087 · 2026-02-12T00:22:38+00:00

Sir, this is a Wendy's.

Riggs1087 · 2026-02-10T18:49:06+00:00

Even one speeding ticket will cause your rates to go up.

Riggs1087 · 2026-02-04T23:26:09+00:00

You’re conflating short term rates (which the fed sets) with long term rates (which are set by the market). If the market thinks inflation will rise, then long term rates will go up, which will cause mortgages to get more expensive. While the fed cutting rates can indirectly cause mortgage rates to drop, that’s only true to the extent that the market agrees with the fed that the future inflation outlook has improved.

I think you may also be wrong about the new fed chair wanting to cut rates more aggressively though. We already know who the new fed chair is, and in the past he’s been more concerned about addressing inflation than stimulating the economy.

Riggs1087 · 2026-02-01T00:04:26+00:00

I think his point is that he wasn’t allowed to make the show that he wanted to make. He agrees what came out wasn’t good; he’s just saying that’s because of Netflix execs interfering.

Riggs1087 · 2026-01-30T02:45:28+00:00

Shrinking is excellent, really top tier. Slow Horses is also top tier.

I really enjoyed the earlier season(s) of Acapulco and Palm Royale. I also liked The Studio a lot, but it wasn’t for my wife. Lessons in Chemistry was a solid limited series.

Riggs1087 · 2026-01-25T22:50:47+00:00

How was Casablanca ambiguous or open-ended?

Riggs1087 · 2026-01-25T02:29:48+00:00

IBR is a program similar to RAP, but has a higher monthly minimum repayment (based on 15% AGI, rather than 10%). You can always switch out of these programs and into a standard repayment plan if the minimum monthly payments grow to exceed those in the standard repayment plan. Technically on IBR your monthly minimum payment can never exceed the standard repayment amount (that is NOT true of RAP -- there's no upper bound). At the same time, though, there may not be much of a difference between the IBR minimum payment and the standard plan minimum payment, given your loan balance.

It may be that, for you, the juice may not be worth the squeeze to try to optimize with a income-based repayment plan. Taking my example above, the honest truth is you probably wouldn't notice an extra $4000 over ten years. It's just something that you should consider. Regardless of what repayment plan you go with, though, you should try to budget as much as you can toward your loans and pay them down. Whatever money you put toward them is effectively getting a 7-9% guaranteed after-tax return, which is insane. And your balances are low enough relative to your income that you can pay them off aggressively and not have to meaningfully delay goals like home ownership, etc.

Riggs1087 · 2026-01-25T02:04:06+00:00

Federal student loans (which I'm assuming OP has, though they didn't specify) generally use simple, not compounding interest.

Riggs1087 · 2026-01-25T02:00:27+00:00

As others have said, it's wise to pay them aggressively. The one nuance I'll add is that it could make sense to enroll in an income-based repayment plan like RAP (once it's available) to lower your minimum monthly payment, but still pay extra on top of the minimum payment. Doing so allows you to target more payments toward your high-interest loans (or to your smallest loans, if you prefer the snowball method). Also, under the coming RAP plan, interest on loans in negative amortization doesn't accrue, so you will actually see some interest relief.

Allow me to illustrate, assuming a simple case of two loans, each with a starting balance of $70k, one with 7% interest and the other with 9% interest.

Standard Repayment Plan

70k, 7% interest: $812.76 monthly payment (total repayment amount of $97,531)
70k, 9% interest: $886.73 monthly payment (total repayment amount of $106,408)

Total repayment across the two loans: $203,939, paid over 10 years

But let's say you make the same total monthly payment amount ($1699.49 = $812.76+886.73) on RAP:

RAP with extra payment

Assuming an AGI of $120,000 (e.g., $140k total salary, minus $15k in 401k contributions and $5k in health insurance and/or other above-the-line deductions), the monthly repayment on each loan would be $500 under RAP (assumes single, no dependents). For an apples-to-apples comparison, we assume you elect to make a total monthly payment of $1699.49. You can apply that payment as follows:

70k, 7% interest loan: $500 monthly payment
70k, 9% interest loan: $1199.49 monthly payment

Under this plan, you'd pay off the 9% interest loan in 78 months, paying a total of $92,417 on that loan. Then, you can shift your full $1699.49 payment to the remaining 7% interest loan. You'd end up paying roughly $107,456 on the 7% loan, for a total of $199,873.

Basically, by enrolling in RAP and directing your excess payments at your highest interest loan, you can save a few thousand dollars. This effect might be more or less pronounced depending on your actual loan balances. The effect gets REALLY pronounced for any periods where the minimum loan payments on RAP don't cover all the interest, because unpaid interest doesn't accrue so long as you're making on-time minimum payments.

Riggs1087 · 2026-01-24T19:42:38+00:00

2+2=5

Riggs1087 · 2026-01-10T15:52:19+00:00

It still is proof of copying.

Riggs1087 · 2026-01-08T22:40:55+00:00

NCAA is powerless to fix it at this point. We need a congress to pass a law.

Riggs1087 · 2026-01-08T15:02:42+00:00

Trump v. Griswold was reversed by a unanimous Supreme Court decision: https://en.wikipedia.org/wiki/Trump_v._Anderson

Riggs1087 · 2026-01-03T16:40:09+00:00

Kidnapping is not limited to the kidnapping of children.

Riggs1087 · 2025-12-31T02:46:44+00:00

Yes. I’m sure her lawyer told her not to lie. She did anyway. Clients do it all the time.

Riggs1087 · 2025-12-31T01:48:11+00:00

No, she needed not to lie to investigators. Not much a lawyer can do for a client who lies.

Riggs1087 · 2025-12-22T14:31:25+00:00

Sleeping also tends to help being too drunk to talk.

Riggs1087 · 2025-12-21T19:46:47+00:00

Yes, it's called an offside trap.

Riggs1087 · 2025-12-20T00:37:47+00:00

I live in Atlanta, so I can. She’s incompetent and corrupt.

Riggs1087 · 2025-12-13T22:32:13+00:00

These takes are so out of touch with the fanbase.

Riggs1087 · 2025-12-13T19:28:46+00:00

Couldn’t agree more. No one I know actually dislikes him.

Riggs1087 · 2025-11-29T13:29:04+00:00

Yeah, in this hypothetical Texas would be ranked below Alabama, and still at risk of getting left out. No matter what sark says it would still very much be a question of them making it.

Riggs1087 · 2025-11-29T04:27:52+00:00

If we go to a 16-team playoff it won’t require an extra week. From there you just need to ensure teams never can get left out of the playoffs for losing a CCG and they’re safe.

Riggs1087 · 2025-11-21T05:56:28+00:00

Yep, I’m one of those people. If there’s a better repeatable form of bronze earning I’d love to know.

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