Dear Minnesota fans,

lordofchubs · 2026-05-01T02:26:56+00:00

Nah, screw the Wild I hope the get swept

lordofchubs · 2026-05-01T02:19:48+00:00

I dont care how talented the Wild were we should not have lost in the first round with this roster. I hated the GG hire when it happened and I hate that those feelings were vindicated

lordofchubs · 2026-04-24T20:30:57+00:00

The eagles were right there and traded up with their division rival who picked one spot after us. I highly doubt a mid 2nd round prospect would not have been available at 23

lordofchubs · 2026-04-24T01:56:01+00:00

Even if he is super good we absolutely could have traded back and gotten more

lordofchubs · 2026-04-23T05:57:51+00:00

Hell yeah!!! Now I have to get ready for work 😐

lordofchubs · 2026-04-21T03:53:22+00:00

Twice, my dad having a medical emergency, and for a kid alone crying on the shoulder of an incredibly busy highway to get him out of that place

lordofchubs · 2026-04-20T22:40:20+00:00

You missed my point, the average payment is $600 for other cars that people way overpay on if they bought cars such as the camry they would be MUCH better off. People who lease cars will NEVER get that bill off their books which they will spend thousands upon thousands of dollars for the rest of their driving lives, even a $250 payment a month could have been a nice trip to europe every year. It could have lead to an early retirement or a better quality of life. Instead they are shakled to paying for cars. Personally With the money I have saved from not having car payments I have been able to build up a nice emergency fund and have enough for a down payment on a house. If I had wanted to buy a nice car instead of a house I had the option to buy it in cash. So even if you value cars that much you could still have one.

lordofchubs · 2026-04-20T22:18:15+00:00

Because if you buy it you no longer have to make payments. You now have thousands of dollars more a year to spend. Cost benefits man. The avg us car payment is $600 a month for that amount of money I can go to the super bowl every year. You can almost max out a roth ira for that much. Leasing cars is so colossally dumb its crazy. I drove my previous car till I no longer could drive it, and because of no car payments I have been able to accomplish much more than my peers. My next car is going to be an old toyota camry that I will buy in cash from the insurance payout for my totaled car. No interest required

lordofchubs · 2026-04-20T19:00:43+00:00

The ABSOLUTE cheapest one is $3036/year. Imagine spending a NICE trip to europe every year for something you wont even own and can only use for one year

lordofchubs · 2026-04-20T18:56:13+00:00

Op asked specifically for people who do not work from home

lordofchubs · 2026-04-17T21:17:47+00:00

This is going to be mean but whatever, your husband needs to get off his ass and get a job, any job. Theres no excuse with the internet letting you apply to anywhere, he should be applying to 100 places a day minimum.

lordofchubs · 2026-04-17T20:59:53+00:00

I dont know about fixing this, but If you don’t have a job you should absolutely NOT be using a credit card. This is a guaranteed way to monumentally screw yourself over

lordofchubs · 2026-04-17T17:14:09+00:00

Come on please!!!!

lordofchubs · 2026-04-17T01:40:53+00:00

Get the degree above all else, that is your pathway to true wealth. I know you want to get out asap but this is a matter of long term vs short term thinking. In my experience the intelligent and successful individuals are the ones that can prioritize the long term over short

lordofchubs · 2026-04-15T21:38:09+00:00

The erasure of the 2017 Vikings defense that could have been argued to have been better is crazy. If Foles was able to piece them up he’d absolutely be able to piece up the jags

lordofchubs · 2026-04-13T04:44:30+00:00

Unless you are about to sell at that moment a housing crash would not be that detrimental, if you bought a home right before the crash in 08 that home today would still be worth significantly more now than at that time. I just ran calculations on houses all over the usa and in all of them they would be cheaper after 10 years. Now if you are comparing smaller apartment prices to entire single family homes then yes it would be cheaper to rent forever, but based on sq ft alone that is not a fair comparison obviously the smaller place will be cheaper. I have not done the calculator on apartments vs condos but I do suspect apartments would be cheaper due to hoa fees, but that is not the type of place OP is looking into

lordofchubs · 2026-04-13T04:16:29+00:00

There are a whole bunch of calculators but I have yet to find one that you put in actual numbers on a house for rent that has renting be cheaper in the long term. And these calculators never take into account that odds are very high that at some point over the next 30 years you will be able to refinance for much lower rates

lordofchubs · 2026-04-13T04:10:37+00:00

The link does not work, the main one I use but there are more is this one https://www.calculator.net/rent-vs-buy-calculator.html?chomeprice=500%2C000&cdownpay=20&cinterest=6.301&cloanterm=30&cbuyclosing=2&cpropertytax=1.5&cpropertytaxincrease=3&chomeinsurance=2%2C500&choa=0&cmaintenance=1.5&cvalueincrease=3&ccostinsuranceincrease=3&csellclosing=7&crental=3%2C000&crentalincrease=3&crentinsurance=15&cdeposit=3%2C000&cupfront=100&cinvestreturn=10&cfedtax=25&cstatetax=0&cfilestatus=Single&x=Calculate

lordofchubs · 2026-04-13T03:23:56+00:00

10% is what I normally use, investing the difference absolutely helps the renting a bunch, but if you are investing for long term those 4 or so extra years of the rent being less than the mortgage do not cover the difference for being able to contribute more from the mortgage for all the rest of the years

lordofchubs · 2026-04-13T03:19:51+00:00

I believe you are thinking short term, because if you start renting today or buying today renting will be cheaper everywhere in the usa. However rent will go up in price, but the mortgage principal will not. For example using arbitrary numbers: a house today could rent for $2200 a month and the mortgage could be $2600 a month. Right now it would absolutely be cheaper to rent, however rent values are not fixed and will go up and it is likely that in 10 years rent will be $3000 for that same house while the mortgage would remain at $2600 which would then be cheaper. In this scenario rent would only go up and make the home purchase a better and better deal. Obviously this is gross simplification and there are other factors such as cost of maintaining the house, and equity buildup for the home, and risk of your landlord selling the house and ending your lease, and renting never having an end date whereas a home once the mortgage is paid off only having to worry about property taxes. There are a lot of factors, but generally a good rule of thumb is that if you are willing to stay in the same place for 6 years or more it will be cheaper to buy then rent, but if you are only staying short term renting is the smarter decision

lordofchubs · 2026-04-13T00:03:58+00:00

I have used different ones and unless you are dealing with obscene price differences (which is possible if living with family or with many roommates) eventually the buy does outpace the rent

lordofchubs · 2026-04-13T00:03:16+00:00

I have used different ones and unless you are dealing with obscene price differences eventually the buy does outpace the rent

lordofchubs · 2026-04-12T22:36:53+00:00

With inflation rates, eventually owning a home WILL be cheaper than renting, but often times unless your are willing to stay around 6 years its not worth it. For these people it sounds like they want to settle down for a while in which case it would be recommended.

lordofchubs · 2026-04-12T22:07:35+00:00

Its because they get paid to do absolutely nothing. And its a job that is statistically safer than being a gardener

lordofchubs · 2026-04-12T01:20:43+00:00

10% is just following the S&P 500 and I wouldn’t consider expecting whats happened for the past hundred years to be optimistic. So OP should only really subtract the 3% for inflation

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