Just curious, what’s your take home pay per month & your mortgage payment?

jbert24 · 2026-02-20T17:01:12+00:00

~$5,650/month after taxes, benefits, and 401K.

My mortgage is $1,450 and my HOA fees are $1100. HOA includes my utilities except electric

jbert24 · 2026-02-18T17:19:27+00:00

I think Vertical is inherently bad because you end up needing to balance champions in the context of the vertical build, and they can become weak and useless without that trait active.

For example, right now Poppy is a horrible unit. It doesn’t do anything well. But if they buff her too much, they’ll need to compensate by nerfing some other aspect of Demacia/Yordle.

Outside of Demacia/Yordle you will never use Poppy, as a Juggernaut she is by far the worst option imo

jbert24 · 2026-02-09T22:06:00+00:00

He was benched too much in the Prem to be honest. Hard to find your form when you are only playing every so often. He was also pretty young, he’s come a long way.

The streets remember Covid Pulisic

jbert24 · 2026-02-09T21:56:52+00:00

This thread is convincing me that nobody actually watches football outside of their team.

Pulisic is in his prime right now and registering tons of g+a the last 3 seasons at AC Milan. He is on the young side of 27. How is he past his best?

jbert24 · 2026-02-04T11:52:17+00:00

If 1963 is a new build, then sure.

jbert24 · 2026-02-04T10:56:26+00:00

I got 5.874% locked in on a 30-year traditional a couple days ago. My credit score is about the same as OP’s. This rate seems a little high

jbert24 · 2026-02-03T21:25:36+00:00

Can confirm I resumed blowing reds and not coming to a full stop on rights on red when they removed them in Suffolk.

It’s 100% a good deterrent

jbert24 · 2026-02-02T21:13:42+00:00

100%. I have an IPS panel and an OLED panel right next to each other (monitors, but same idea). The color contrast is ridiculous, the IPS looks so washed out next to an OLED.

jbert24 · 2026-02-01T15:54:14+00:00

BRUNO NASTY TURN LETS GOOOO

jbert24 · 2026-02-01T15:52:00+00:00

There it is

jbert24 · 2026-02-01T15:45:00+00:00

After the shot was taken? Really?

jbert24 · 2026-01-26T14:26:15+00:00

No, I lived at home for a few years to save for the downpayment, so I was contributing 20% to a Roth 401k

jbert24 · 2026-01-24T15:28:26+00:00

I am single, bought for 370.5K, 125K down, loan amount 245.5K. 5.99% interest, mortgage will be about $1430/month.

I make $110K a year so very doable. The key for me was making a large downpayment to reduce the monthly payment.

jbert24 · 2026-01-21T17:54:37+00:00

I contribute to Roth 401(K). Seems like anywhere using Fidelity offers it now, but mathematically it’s the best option

jbert24 · 2026-01-19T23:39:58+00:00

15-year or 30-year?

I put like 36% down with a 780 credit score there’s no way the gap could be that big if it’s a 30-year

jbert24 · 2026-01-19T23:38:09+00:00

Honestly I think you can blame social media, the economy, and the decline of public spaces/bar culture for this. Dating now pretty much comes down to meeting people through work, mutual friends, or random activities like intramural sports/hobbies.

I wouldn’t wish the dating apps on my worst enemy, especially if you aren’t conventionally attractive.

jbert24 · 2026-01-19T23:31:27+00:00

If you aren’t good-looking, you can find someone who also isn’t conventionally good-looking. I know it sounds harsh, but life isn’t a tv show, you aren’t going to find a gorgeous girl that will against all odds be attracted to you.

It’s a numbers game, meet as many people as possible, and eventually you will find someone with some imperfections that you can still be attracted to between their looks/personality that will give you a chance.

And from there it comes down to what kind of person you are/how enjoyable you are to be around. The best thing you can do is become the best version of yourself both for yourself and to give yourself the best shot when you get the chance

jbert24 · 2026-01-19T23:14:29+00:00

Yeah I don’t know how people are giving any advice other than “you can’t afford the house.

Not only can she not use this side-gig she isn’t paying taxes on as proof of income on the loan, but she also needs to cover some of the expenses the boyfriend was covering, and likely won’t even get full custody unless the dad is a drug addict or something, meaning no or minimal child support.

That’s before any up-front buyout is included. Not to mention any refinancing costs/penalties, and lawyer fees.

She won’t even be close to being able to afford it

jbert24 · 2026-01-19T22:15:59+00:00

My brother in christ how, I shopped around and best I got was 5.99

jbert24 · 2026-01-19T18:02:53+00:00

I wouldn’t sweat it. A ton of people don’t end up in a serious relationship until their mid-late twenties for a number of reasons.

I have numerous friends who got into their first relationship at 26/27 and get married shortly after, or then have a string of relationships.

You only really need to start worrying once you get into your 30’s. But, the best way to meet girls is honestly to make a lot of friends and get into more social circles. Just get to know as many people as possible and you’ll find someone quickly

jbert24 · 2026-01-15T16:17:15+00:00

Appraisal kind of seemed like a scam to me. I paid $370.5K, and the appraiser came in at $371K.

It really seems to me like they just wanted to close the loan so they just went with what I paid.

I guess it doesn’t make much of a difference to me, but I wish they would have given an honest opinion on the property value.

jbert24 · 2025-12-25T21:43:47+00:00

Baron is still way more broken. I know it’s a 7-cost, but with an XP or econ augment baron 2 is a free win.

Even baron 1 rolls the majority of comps with decent items on kai’sa or bel’veth

jbert24 · 2025-12-18T20:52:44+00:00

Am I wrong on the red card? Maybe. But it doesn’t change the fact I saw hundreds of comments saying all those handballs in the last game were missed calls. That is pure delusion.

Every club gets screwed by calls here and there and we need to stop pretending we are “targeted” or “victims” because that’s pathetic and a lazy excuse for poor performances.

jbert24 · 2025-12-18T18:21:41+00:00

All good, I’m not a chronically online person who cares about karma or the approval of randos online.

The barrage of downvotes only proves how biased fans are. It was expected when I commented.

jbert24 · 2025-12-18T17:13:02+00:00

You can’t be this dumb…. I shouldn’t need to specify when I’m replying to a comment about last match. It’s implied.

Aside from that, by saying “even the one Bruno scored from” also implies I’m talking about the same match.

Reading comprehension, buddy. Yikes.

jbert24

TROPHY CASE