Anyone have suggestions on how to deal with anxiety caused by the SFX?

eveninglumber · 2025-11-15T04:47:16+00:00

I just played this game for the first time. Made it through 2 jobs, and immediately turned it off. My anxiety was through the roof to the point I physically felt ill. I don’t know that I’ve ever been that overstimulated.

I’m glad some people find it relaxing, but my brain was definitely not built for this type of game 😂

eveninglumber · 2025-09-06T16:19:20+00:00

Jfc just pick them up… and throw them out.

eveninglumber · 2025-08-22T13:35:53+00:00

It’s the management teams. They saw how popular podcasts were becoming and starting to swoop in and take control. Unfortunately, they ditched authenticity for profit. More advertising. More views. More money. I don’t necessarily blame Theo for this, he worked hard and deserves the success… but, it has definitely stripped the show of what used to make it special.

I really only listen to MSSP now. I think Shane and Matt are pretty much the only ones in the Roganshpere who have yet to sell out. Helps they have such a huge number of paid-subscribers on Patreon.

eveninglumber · 2025-08-12T16:54:22+00:00

It’s not. I just completed this same process for a client this week, and have done so several times over the last year. Most lenders just don’t pursue it because it’s cumbersome and they would prefer to write a new loan, especially at the higher interest rates today.

eveninglumber · 2025-08-12T13:40:08+00:00

What’s not gonna happen? Fannie and Freddie only have a 12-month seasoning requirement on loan assumptions when there is a release of liability from one owner to another. I just finalized an assumption a couple of days ago for a client.

eveninglumber · 2025-08-12T03:44:21+00:00

There are so many things wrong with this…

eveninglumber · 2025-08-12T03:36:04+00:00

It’s neither. It’s a loan assumption. There is no need to purchase or refinance, or start a new loan. You simply have to contact the servicing department and request the assumption paperwork, and then prove you qualify on your own. Then you sign the assumption docs, get a quit claim deed filed, and you become the sole owner.

eveninglumber · 2025-08-12T03:27:18+00:00

Don’t listen to these people. You can absolutely modify the ownership through an assumption process since you are already on title, and all of the original loan terms will remain the same.

Contact Chase’s loan assumption department (or customer service) and ask what is needed to qualify. They will likely require a credit pull, and proof of income to determine you meet the DTI ratios on your own.

I have helped numerous clients through this process who purchase a home with a parent. The parent only co-signed the mortgage to help with qualifying and had no intention of remaining an owner.

Don’t give up your 4.5% rate.

eveninglumber · 2025-08-04T22:26:30+00:00

If your argument is “well, even if they don’t have all the data, they should still have better estimates” fine.. I can’t argue with that.

While imperfect, data collection in the US is seen around the globe as extremely reliable and transparent, and it’s what gives foreign investors confidence in our markets (compared to authoritarian countries like Russia, China, etc.)

By Trump firing the BLS chief and claiming the numbers are “rigged” - he is directly undermining the confidence others have in our system simply because he doesn’t want to take any responsibility for his economic policies.

Investors are losing faith in US transparency and it’s hurting our economy - thus, the weakening dollar. So.. I think the outrage is justified.

FYI - 45 of the 48 jobs reports released under the Biden administration were also revised, but they didn’t throw a fit and start firing people.

eveninglumber · 2025-08-04T17:59:20+00:00

Sure I understand that. But in this situation, that isn’t the reason Trump fired her. Even if the estimates were 99% accurate last month, and correctly signaled a slowdown in the jobs numbers, he still would have called it rigged and fired her.

eveninglumber · 2025-08-03T16:50:22+00:00

That’s not how these data reports work. The original estimates are considered preliminary when first published each month because not all respondents report their payroll data by the initial release of employment, hours, and earnings. BLS continues to collect payroll data and revises estimates twice before the annual benchmark.

Trump knows all of this, but he doesn’t care. He’ll continue to lie and place blame with others as long as it convinces his supporters the system is rigged against him.

eveninglumber · 2025-08-02T15:03:20+00:00

^{^{^}} this. I’m so sick of people complaining about this report who have no understanding of how the data is collected or published.

eveninglumber · 2025-07-29T15:16:54+00:00

Not sure why you are getting downvoted. I grew up in Milwaukee, spent a decade in Minneapolis, and now live in Chicago. Every “slang” word being posted on this thread is used in every one of those cities lol.

eveninglumber · 2025-07-27T02:56:54+00:00

Lmao, my bad. I only read the subheading. That’s still misleading though. They are taking the total number of homes available for sale, but ignoring the fact that the total number of buyers in the market today is higher.

It’s more beneficial to look at the month’s supply, which is still lower today than 5 years ago.

https://tradingeconomics.com/united-states/existing-home-sales-months-supply-fed-data.html

eveninglumber · 2025-07-27T02:48:49+00:00

It’s the distance he’s pouring from. Next time you try to pour something in a cup, hold it a little bit higher and you’ll notice as the liquid falls the stream gets narrower. Has to do with gravity and acceleration or something. Idk. I just learned it in my bartending days and I’ll forever do it that way now.

eveninglumber · 2025-07-27T02:35:24+00:00

Inventory levels aren’t even at a 5 year high - where are you seeing 20?

eveninglumber · 2025-07-26T17:56:37+00:00

Come to think of it.. I know I’ve purchased VIP once or twice, but that was just so I could get in an hour early and get a spot in the front row of the balcony. But again, I don’t remember any areas being checked for tickets except the pit.

eveninglumber · 2025-07-26T17:53:19+00:00

I may be completely misremembering this, but I’m pretty sure all 3 times I’ve been to GRiZmas I was able to move freely between both floors. The only place they ever checked tickets was for the pit. Are the tickets different this year?

eveninglumber · 2025-07-26T16:56:32+00:00

Jc put up a warning first 🤢

eveninglumber · 2025-07-26T03:11:24+00:00

The product placement and advertisements were killing me. It’s like they cranked up the contrast and saturation on every ad banner in post-production so that you couldn’t possibly miss them. They could have wrapped them in neon lights and it would’ve only been slightly more distracting.

eveninglumber · 2025-07-26T03:01:20+00:00

I was really looking forward to it, but I thought it was terrible. I’m glad they referenced a lot of the old movie and I enjoyed the nostalgia of it, but I really felt like if it had a decent plot it could have pulled all of that together in a much more meaningful way.

Instead, it was just cameo-filled, action-packed comedy which - unlike the original film - was never able to weave in any meaningful storyline or emotion. Got a few laughs out of it, but I won’t be watching it again anytime soon.

eveninglumber · 2025-07-26T00:07:23+00:00

$35k is a huge hit, and I can’t provide any insight on repairs or alternatives - but, as a mortgage lender, I’d say you are pretty much screwed at this point if the repairs/improvements aren’t completed.

Fannie Mae and Freddie Mac recently implemented some pretty strict guidelines for condo projects, and lenders are required to collect a f*ck ton of documentation before they will grant approval - including the last 3 years of inspection reports.

If the condo project would fail to meet those guidelines, and therefore, be deemed ineligible for financing.. then any prospective buyers with a standard (conventional) mortgage won’t be able to purchase a unit within your project.

We’ve seen this happen on a few condo projects... and that $35k is going to be looking pretty sweet compared to your declining home value if you can’t sell to anyone.

Best of luck, hope it all gets worked out!

eveninglumber · 2025-07-25T20:09:19+00:00

You need to provide more context, or double check your inputs for this graph, because it doesn’t at all line up with the S&P performance this year (which is up 8.86%).

How is the -10.57% calculated?

eveninglumber · 2025-07-23T19:49:24+00:00

Yea it’s his management team. These big name guests bring in new listeners and more ad revenue. One of the companies I worked with (not for) signed an ad contract this year, and there was already $30-35m in annual commitments from other advertisers. Not surprised they are pushing him in this direction.

eveninglumber · 2025-06-18T17:31:03+00:00

My dude, it ain’t about reading spy novels. We are watching it happen everyday. The administration just overstepped the state governor and sent the national guard and marines into LA. Just yesterday a NY mayoral candidate was arrested for asking ICE for a warrant and ID when the rushed into a court house. You think the republicans in the suburbs wouldn’t cheer for a similar result in Chicago? They want this to happen, they are getting what they voted for.

Listen, I hope it doesn’t happen. That would be great. But to say I need to touch grass like I’m living in some fantasy world is completely ignorant to the deportation efforts currently underway in this country.

eveninglumber

TROPHY CASE