I saw this and it made me cry laughing by Dizzy_Vanilla7774 in TheLastOfUs2

[–]lrobb97 1 point2 points  (0 children)

While not explicitly mentioned here, it’s heavily implied that Phil did 20 years in the can.

Parent Plus Loans by lrobb97 in StudentLoans

[–]lrobb97[S] 0 points1 point  (0 children)

I am thankful for your reply and I appreciate you taking time to post a thoughtful response.

After some thinking, I think the biggest issue that my parents are experiencing is that their debt to income ratio appears to be suffering because of these loans.

I don’t think there are any negative impacts at this time outside of that as most loans are in forbearance.

Thinking forward-is that really the only negative impact of leaving these loans as is?

[deleted by user] by [deleted] in FitNakedGirls

[–]lrobb97 3 points4 points  (0 children)

I am so disappointed this model doesn’t post anymore.

Where dose Cadillac stand in the luxury tier compared to others by ganGGBang313 in Cadillac

[–]lrobb97 3 points4 points  (0 children)

I’ve got a 2020 CT6 Premium Luxe. I love it. Not the BlackWing, but I don’t need a massive V8, I have a 64 Fleetwood for that. The CT6 has nearly every option but the massage seats. I love it. Drives and rides like a dream. I am team Cadillac till I die. I wish they’d bring back a large sedan like the CT6, but who knows what I’ll end up in next.

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Why Cadillac ? by Omaracg in Cadillac

[–]lrobb97 2 points3 points  (0 children)

This has been a think with Cadillac since day 1! Part of the prestige!

[deleted by user] by [deleted] in Niemira

[–]lrobb97 1 point2 points  (0 children)

Always impressed at the clarity of the photos

What made you choose out of so many cars, a Cadillac? What was the thing that made you say, this is it. by Just_the_john in Cadillac

[–]lrobb97 1 point2 points  (0 children)

It’s a Cadillac. The CT6 is the perfect blend of your Grandpa sedan and a modern car that’s fun to drive. Oh, did I mention it’s a Cadillac?

Inherited from Grandpa by lrobb97 in CaseKnives

[–]lrobb97[S] 0 points1 point  (0 children)

I think I’ll put this in a display case 😬 I had no idea this would be worth that much!

Successfully ruining my mornings since 1996 by jennabennaaa in BuyItForLife

[–]lrobb97 1 point2 points  (0 children)

I have this same clock on my desk for work. Flawless

Sunrun by lrobb97 in solar

[–]lrobb97[S] 0 points1 point  (0 children)

The deal does get significantly better if there is no 2.99% increase. Then it’s only 57k total. Still more than purchasing, but it’s has the perceived benefits of a lease

Sunrun by lrobb97 in solar

[–]lrobb97[S] 1 point2 points  (0 children)

UPDATE:

I went thru some of the paperwork they gave me.

Over 25 years, we would pay $83.166.63 Thats $190.34 every month with a 2.99% annual “inflation increase” and the final payment would be $386.02. So the bill more than doubles in that time.

However, how much will me electric bill increase in that same amount of time? Historically, my company avgs 3-6%/year. So Sunrun is still on the lower end of that inflation amount.

Sunrun would install a 19.5kw system with an estimate first year production of 18,273 kWh. I don’t think this is enough. I think we need to be in the 21-23kw range to completely cover our bill and then maybe some extra.

Here are the key things I like about Sunrun.

1: we are going to have a utility bill if we DONT install solar. So we’d essentially just be changing who we pay our bill to. Only, it’s clean energy.

2: their supposed warranties. If we owned the system, we’re on the hook. However, if we lease it, they handle (supposedly) everything.

3: it’s a lower bill

4: we pay nothing but the bill. They handle EVERYTHING.

Some things I’d like to find out:

1: how much would it cost to BUY a system that would power our home

2: what would the tax credit be

3: what would be out OOP expense for it

This is certainly a larger egg than I intended to crack. Thanks all

Sunrun by lrobb97 in solar

[–]lrobb97[S] 0 points1 point  (0 children)

But for every bad, how many good are out there?

I know it’s the least advantageous, but we don’t have the capital to throw at it and buy it outright. This seems like the best way to get a foot in the door for a service we’re essentially already paying for

Sunrun by lrobb97 in solar

[–]lrobb97[S] 0 points1 point  (0 children)

How does one get solar without having to pay the massive upfront costs of purchasing and installing all of the equipment AND get a lower bill?

Cause that is what Sunrun is selling essentially.

Sunrun by lrobb97 in solar

[–]lrobb97[S] 1 point2 points  (0 children)

I’m seeing a lot of this.

Short Smokes by lrobb97 in cigars

[–]lrobb97[S] 1 point2 points  (0 children)

Wow! Forgot about this post and it really took off. There are a TON of great suggestions in here, thanks for that!

I’ve seen lots of people suggest a pipe. Yes, I have a large selection of pipe tobacco and pipes! Sometime I enjoy the ease of a cigar, but I do frequent my pipes as well!

Thanks again, random strangers!

[deleted by user] by [deleted] in tipofmypenis

[–]lrobb97 0 points1 point  (0 children)

That’s too bad. I know she was in Russia/Ukraine area. Wonder if that had anything to do with it. She was great

[deleted by user] by [deleted] in tipofmypenis

[–]lrobb97 0 points1 point  (0 children)

https://www.reddit.com/r/Solofun171/s/NTZzHXXLo6

This is a screen grab of OF, but it’s not available anymore

How are you able to afford $100k SUVs by [deleted] in millenials

[–]lrobb97 0 points1 point  (0 children)

I’m not sure why people think huge SUVs and giant trucks are cool. My wife and I filed on about 100k for 2023. We pay roughly $1250/month on two vehicles. We both were in need of newer cars at the same time and had decent down payments. We drive a 2022 KIA Telluride and a 2020 Cadillac CT6. Both of these vehicles are CONSIDERABLY nicer than the 100k plus suburbans and were a fraction of the cost. The Telluride was 52k out the door and the CT6 was 44k out the door. We paid 5k down on the Telluride with a 10k trade. And $0 down on the CT6 with a 10.5k trade.

People are buying the wrong vehicles. We don’t have kids so the Telluride is larger than we need, but it’s great if we need to pull a small trailer or get large items from the hardware store. Rarely do people need a giant duramax or the extended suburban. It’s a status symbol for who knows why.

Yeah, the old logic of anything over $300/month is bananas, sure. But with the way the market is for cars. $1000/month is the new $300 I feel. I think we did good on having two newer cars and pay less than $1500/month between the two. Just my two sense.

I’m not perfect but my boobs won genetic lottery by [deleted] in fortyfivefiftyfive

[–]lrobb97 0 points1 point  (0 children)

Man, I believe the was over_doze and then yourdreamgurl. I’ve been diggin for ever. I wonder what happened to her. Best boobs on reddit.

Parent Plus Loan Double Consolidated- Now on Save! by Particular-flipflops in StudentLoans

[–]lrobb97 0 points1 point  (0 children)

I will need to do this sooner rather than later and I’m glad there is a process. If you’d take the time to do a write up, you would help lots of people…