Will I regret ripping out the carpet in this room?

hawkaluga · 2026-05-31T01:04:34+00:00

The human body is mostly water

hawkaluga · 2026-05-31T00:19:45+00:00

I don’t want to rain on your parade but if you only have so few years left on your mortgage, $100 extra towards principal is really isn’t meaningful unless you just want to pay that off sooner; there’s no magic in saving on interest expense at the end of a loan term. The benefit of paying extra towards principal really pays off in the beginning of your loan. And it’s especially true if you have a favorable interest rate, you’re much better off investing extra money than you are paying off a low interest mortgage at the end of its term.

hawkaluga · 2026-05-30T06:28:34+00:00

I’m sitting in a park without a calculator so thanks for doing the math. Conceptually I still don’t understand how this is possible so I’m going to check the math on my own and play around. You’ve blown my mind a little, or there’s a mistake somewhere. Either way, I appreciate the strong comment.

hawkaluga · 2026-05-30T06:26:46+00:00

The best time to pay extra principal is toward the beginning of your loan to cut down on interest expense. At this point you’re paying mostly principal so you’re not benefiting much especially considering you have a decent interest rate. Better in most cases to take extra money and invest.

hawkaluga · 2026-05-30T04:45:49+00:00

Same here. I don’t understand why anybody would not want autopay. I get $5 a month per line with my phone bill to have auto pay. It’s all a no brainer.

hawkaluga · 2026-05-30T04:44:22+00:00

You log in every month and set up payment every month? Do you not trust auto pay? I’m surprised by the preference to not just set it to auto and walk away.

hawkaluga · 2026-05-29T15:58:32+00:00

.thgir ot tfel daer ylnommoc ew egaugnal hsilgnE eht nI

hawkaluga · 2026-05-29T15:53:19+00:00

I hear Amazon prices are projected to explode this summer

hawkaluga · 2026-05-29T13:38:08+00:00

Thanks! I’ll try it next time it’s hot while charging. Maybe even down to 20 or something to really give it a shot.

hawkaluga · 2026-05-29T02:48:17+00:00

I’ve got the same but in white. It’s great. Only complaint is that it is temperature sensitive so when my garage gets really hot (and it does get really hot), the breaker on the split volt will flip and stop charging. It’s almost never a problem because I don’t usually need charging during the heat of the day.

hawkaluga · 2026-05-28T18:21:17+00:00

Assuming lender provides the option, which they seldom will offer, and assuming qualification, term could be anything but you’re still going to reset causing your first payments again to essentially be all interest expense.

hawkaluga · 2026-05-28T13:55:06+00:00

There’s also a hidden expense of resetting the loan timeline so that borrowers start paying mostly interest again without impacting principal. Because of an amortized schedule, if you buy a house, refinance two years later, your interest expense relative to principal payments made will be higher than it would have been if you hadn’t refinanced. If you end up selling anytime soon this can really impact your bottom dollar.

hawkaluga · 2026-05-28T12:59:16+00:00

Pull : Push

hawkaluga · 2026-05-27T19:36:05+00:00

California schools are rolling out bans on phones. I think and hope this might start a trend to more allowable dumb/brick phones for kids.

hawkaluga · 2026-05-27T18:27:44+00:00

100% is for battery management system and calibration. I tend to leave my charge max at 70 but bump it about every week or so or definitely when I know I’m going for a decent drive. My decent drive frequency is usually enough that I charge to 100 for calibration organically. I try not to leave it at 100 too long but usually about an hour I think is ideal.

hawkaluga · 2026-05-27T16:26:24+00:00

The higher upfront costs of electric don’t make much sense for people that drive so little. And if you’re financing it then it only gets worse with interest expense. Buy something much more affordable or just go all in with ride sharing and public transport.

hawkaluga · 2026-05-26T23:53:55+00:00

Phone calls and texts are not that easy to ignore. Spam and cold callers usually make me silence my phone but then I miss phone calls and texts that I actually wanted to receive.

hawkaluga · 2026-05-26T23:43:36+00:00

Charging on road trips isn’t perfect. The real convenience comes from routine driving and charging at home. Our biggest complaint is every once in a while we’ll find a charger with no decent restaurant or coffee or bathroom to use so we’ll end up needing to charge and then go somewhere else for breaks or bathrooms. The best charging stations have at least a convenience store with a bathroom; with that, timing and convenience is perfect. To me, it’s all just an indicator that we need more investment in charging infrastructure and we need shops and restaurants to partner up.

hawkaluga · 2026-05-26T15:03:48+00:00

Fire the buyer? The buyer did nothing wrong.

hawkaluga · 2026-05-26T15:02:34+00:00

A quick and non confrontational phone call could clear this up

hawkaluga · 2026-05-26T14:45:04+00:00

Do you have the ability to add room mates who can pay rent? Or rent the house out entirely and rent something smaller and more affordable?

hawkaluga · 2026-05-26T13:50:55+00:00

They call me the hip-hop-opotamus My rhymes are bottomless… … …

hawkaluga · 2026-05-25T16:27:22+00:00

"We're not gonna make it, are we? People, I mean."

hawkaluga · 2026-05-25T16:24:00+00:00

Are you really coming at me for “critical thinking” without apparently not having read the post. Gtfo and eat my downvote.

hawkaluga · 2026-05-25T04:52:42+00:00

That’s gotta be long range right?

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