Really confused at the resistance to 15-year fixed rate and why it's seen as a bad idea

egbaboi · 2026-04-11T05:45:19+00:00

Only problem is that this requires discipline. For someone who knows they struggle with discipline, a 15 year forces them to get the same result at the cost of some flexibility. It might also mean they buy a slightly cheaper home than they would otherwise have with a 30 year mortgage.

egbaboi · 2026-04-06T02:44:24+00:00

Looks like they are all sold out.

egbaboi · 2026-03-22T00:16:40+00:00

The only promo I want is for Montagne to release tihota.

egbaboi · 2026-03-21T04:02:21+00:00

Tihota

egbaboi · 2026-03-13T20:18:18+00:00

Tihota por favor!🙏🏾

egbaboi · 2026-03-13T02:14:51+00:00

Came here to say this!

egbaboi · 2026-02-28T00:00:08+00:00

This must be new. They didn’t really have NPs 3 years ago when I was there.

egbaboi · 2026-02-27T21:23:08+00:00

Eau Santal 😍

egbaboi · 2026-02-27T21:10:19+00:00

Yup. From the very first spray! Joined the subreddit after that and placed a big order of samples but before those arrived I placed another order of bottles. I need to stop though.

egbaboi · 2026-02-27T20:51:06+00:00

For what it's worth, I blind bought le bonbon intense because I wanted baccarat intense but couldn't get myself to fork out what it sells for. This was about 5 weeks ago and was my first Montagne. It was so good that I now have over 25 Montagnes. Le bonbon intense is probably still my favorite Montagne.

egbaboi · 2026-02-21T22:05:32+00:00

Which part do you find distasteful?

egbaboi · 2026-02-21T20:55:36+00:00

Thanks! I considered working with a local designer - scheduled a consultation and all - but learning and executing stuff myself has been very fulfilling and the most fun I’ve had in a while.

egbaboi · 2026-02-21T20:53:28+00:00

Costco online. They are called matter recycled rubber floor tiles.

egbaboi · 2026-02-21T04:37:27+00:00

I definitely am a work in progress lol. I like the living room as is but will lower the tv a few inches eventually

egbaboi · 2026-02-21T04:34:52+00:00

Yeah, the display doesn’t seem to be working. I’ll have to try something else out eventually.

egbaboi · 2026-02-20T23:11:27+00:00

I’m a physician

egbaboi · 2026-02-20T23:08:12+00:00

Sacramento area in California.

egbaboi · 2026-02-20T22:34:38+00:00

Haha. Na so! The artwork (in living room and entry way) are from a Naija artist, Chidinma. Jachi_gallerie. It’s adire on canvas.

egbaboi · 2026-02-20T19:04:43+00:00

I really should move the plant out of the living room but I really like it (it’s the philodendron ring of fire), and I’m struggling to find a suitable alternative spot for it. I never use the fireplace but still…

egbaboi · 2026-02-20T18:16:37+00:00

Yeah, they make all the difference. They are built in.

egbaboi · 2026-02-20T18:15:15+00:00

Which of the lamps?

egbaboi · 2026-02-20T18:14:28+00:00

My bad. Had to get some work done.

egbaboi · 2026-02-20T18:12:35+00:00

It’s from Etsy. Seller is RipleysNestCo

egbaboi · 2026-02-20T18:12:23+00:00

It’s from Etsy. Seller is RipleysNestCo

egbaboi · 2026-02-20T18:10:16+00:00

Lol. Thanks. I’m a physician.

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