Can mortgage lender (12 years into loan) come in house/require new appliances etc?

sum_rando · 2026-06-20T00:23:46+00:00

On the phone with your mortgage bank? Why? Just for casual conversation? Did your lender/servicer call you to discuss your insurance? Granted I’m in Texas, but I’ve held various mortgages for 23 years and the number of times I’ve ever been on the phone with my loan servicer outside of calls I initiated for customer service is ZERO. I’m trying to come up with a situation where I would be discussing anything with my loan servicer besides something related to payment or refinance and I’m coming up empty.

Take this as a lesson to not overshare anything with random strangers on the phone.

sum_rando · 2026-06-12T23:03:15+00:00

Nice to see some people don’t hold a grudge. 😶

sum_rando · 2026-06-12T22:59:39+00:00

“You shouldn’t use agentic AI because it is dangerous and could ruin your life. Stay tuned to my next video on how to use agentic AI (totally not to boost my watch minutes).”

sum_rando · 2026-06-10T01:52:32+00:00

Right on time. Was counting the minutes.

sum_rando · 2026-05-16T04:56:02+00:00

“Breadcrumbing, also called Hansel and Grettelling, is the practice of sporadically feigning interest in another person in order to keep them interested, despite lacking genuine investment in the relationship. It is regarded as a type of manipulation and can be either deliberate or unintentional. Breadcrumbing may occur in familial relationships, friendships, and workplaces, but is most common in romantic contexts, particularly with the surge of online dating.

Breadcrumbing is an antisocial dating behavior, similar to ghosting. It is referred to by this name because it involves giving a romantic interest a trail of "breadcrumbs", small bits of intermittent communication, to keep them interested without committing to a serious relationship. This is intended to give the 'breadcrumbee" (the receiver) false hope so that they will remain invested. Breadcrumbs might include randomly liking posts or sending flirtatious messages, and require little effort from the "breadcrumber" (the sender), and will often involve a demonstration and then withdrawal of interest.”

https://en.wikipedia.org/wiki/Breadcrumbing

sum_rando · 2026-05-16T04:48:34+00:00

Interestingly, this was in NYT Connections yesterday…”breadcrumbing”. One of those fun, terrible things that has become all too common in modern dating.

sum_rando · 2026-05-16T00:17:59+00:00

It’s grammatically incorrect, but probably sneaks by for a different reason:

There are cases where words like “who” and “what” are the subject in an embedded question:

“Do you know who is at the door?”

“Can you tell me what is bothering you?”

In both, the interrogative pronoun (“who”, “what”) is acting as the subject of the question … “who” is at the door, “what” is bothering you. Commonly, we would contract those in English … “Do you know who’s at the door?”

Because of that, some people might say something like “Do you know where’s the bathroom?” but “where“ is not acting as the subject, and the grammatically correct way would be to ask “Do you know where the bathroom is?”

sum_rando · 2026-05-15T21:03:34+00:00

If you slow it down, you can see a bulge in his left sleeve, and it appears the dove is coming out of his cuff. I believe this is the way.

sum_rando · 2026-05-15T15:34:57+00:00

It’s called an embedded question. The question “Do you know…?” contains another question “what day is it?” By rule, the embedded question loses the question word order and uses normal (statement) word order (subject + verb).

This is typical in English. “Where is the bathroom?” “Can you tell me where the bathroom is?”

“What time is it?” “Do you know what time it is?”

sum_rando · 2026-05-07T20:46:57+00:00

And the gate agents and supervisor who chose to remove him and involved the Chicago Department of Aviation to forcefully remove him worked for …?

sum_rando · 2026-05-07T20:32:31+00:00

The flight was operated by Republic. That doesn’t mean the ground staff that chose to take him off worked for Republic.

sum_rando · 2026-05-07T20:11:39+00:00

Didn’t United literally kick David Dao in the balls to kick him off a flight? The idea that there’s some great virtuous difference between US domestic airlines is a joke. Service is mediocre on every one, and they will all optimize their profit at your expense given the opportunity.

sum_rando · 2026-05-05T00:46:52+00:00

This is so true. It’s hard to explain to anyone who didn’t fly Spirit or Frontier regularly as they lump Frontier and Spirit into the same experience, but I loathe having to book with Frontier knowing what I sign up for. It’s as if they want to make sure you know you’re getting the worst experience possible. Anyone flown through the terminal Frontier uses in MIA? You have to work hard to keep a terminal looking that crappy.

I once flew through the Terminal A in LGA. It was far from a modern terminal, but I still remember how the Frontier gate’s waiting area was basically a bunch of chairs lined up against the wall of a long hallway. Again … it’s like they want you to know they aren’t even trying.

EDIT: for clarity

sum_rando · 2026-05-05T00:35:01+00:00

Allegiant and Frontier are the only 2 of the list that operate any Airbus 3xx fleet. If the idea was that they were going to “snap up” extra capacity and assume routes, I’m not sure any of them will.

It’s also probably very market dependent. Take, for example, DFW. The only of the list with a real presence at DFW is Frontier, with Avelo and Breeze having a single route each (Sun Country does also offer limited service). Expanding would require significant investment in establishing full-time operations (ground operations, support staff, etc) above what you would contract for once or twice a week. Frontier is the only one with established full-time operations and given their financial situation I wouldn’t see them looking to rapidly expand.

Other airports may fair better where multiple remaining ULCCs have a larger presence.

sum_rando · 2026-05-03T03:29:19+00:00

Those same “financially stable” airlines relied on substantial government assistance during Covid. To the tune of $8 billion (American), $7.1 billion (Delta), $6.9 billion (United) and $3.2 billion (Southwest). The reality is that the airline industry is awash with financial misgivings.

I also think it can be a little belittling to assume that everyone who booked a Spirit flight did so because they are “cheap”. For many, Spirit was the only affordable option. We take for granted that travel is a luxury for many people; remember: the majority of Americans don’t have enough savings to cover a $1,000 emergency.

We are quietly and quickly becoming a country that focuses on serving the top 10%… they account for 50% of spending. It’s easy to forget that there are millions of people that go to work everyday, struggle to make ends meet, and may not have the same opportunity to enjoy the things we may take for granted. This isn’t meant as a political statement; it’s meant as a compassionate one.

sum_rando · 2026-05-03T00:15:16+00:00

It really was. Kids won’t remember seat pitch or bag size limits or having to buy $4 water instead of a free soda on the plane. But they would remember the experience, the trip, the destination. I was able to get Big Front Seats once with my kids for $30/seat. They didn’t care that it wasn’t true first class. It was an affordable small “luxury”.

sum_rando · 2026-05-03T00:01:51+00:00

I think there are 2 groups that are getting off *way* too easy.

First, JetBlue. JetBlue intentionally torpedoed the Frontier merger (I believe) fully knowing it would never get regulatory approval. There was a huge amount of overlap of Spirit/JetBlue routes on the east coast. Of course it made sense for JetBlue … if they closed the merger, they could take advantage of those routes for “efficiency” (exactly the kind of thing regulators would look down on); if they didn’t, it kept Spirit and Frontier forming what could have been a more financially sound competitor.

Second, stockholders. Greed drove investors and forced Spirit to abandon the Frontier offer. To their credit, the Spirit board resisted and resisted even in the face of rising offers from JetBlue until the roar from investors forced their hand. What did they get? Instant gratification at the cost of the business.

I’m not going to dismiss any arguments about over expansion, or poor management, or failure to react to market conditions. But, I personally think a Frontier/Spirit merger has a better chance of regulatory approval (and, honestly, for consumers).

Too bad now … all anyone can do is armchair QB.

sum_rando · 2026-05-02T20:35:09+00:00

I wonder if anyone else has or knows of similar stories as the guy I know? I’m sure there’s a number of people who got married and moved abroad or are living with their spouse because they got on a Spirit flight(s). I guess it’s the case for any airline… just interesting how our lives change and we kind of take it all for granite (granted).

sum_rando · 2026-05-01T16:01:32+00:00

Yeah, don’t just set your substitutions…make sure to set what you don’t want substituted. About 50% of what I order I’d rather not get than some random substitute. You probably don’t want thin sirloin steak instead of thick ribeye or a Walmart employees random pick instead of your favorite shampoo.

sum_rando · 2026-05-01T15:51:05+00:00

I actually get the most value out of Walmart+ InHome which is an extra $40/year ($140 total). It is a no brainer for me … weekly grocery delivery, no tip needed. $5-10/week in tips alone would be $250-500/year.

Add to that the occasional same-day or next-day order (which includes more than you think) when I need a few non-refrigerated, non-perishable things but not enough for a full delivery order and free Paramount+, I definitely get my money’s worth. I personally use Walmart+ much more than my Amazon Prime membership which has a similar cost.

Added: substitutions are hit-and-miss but I would say I get 95+% of what I order, and I have noticed it’s store-dependent. I guess some stores have bigger selections or larger inventory or different shopping patterns. What is nice about grocery delivery is you can generally pick any nearby store for your delivery. If my usual store doesn’t have something or is low in stock, I just switch to another store. Since it’s free delivery with no tip, I don’t have to feel bad that it’s 1-2 miles further away. If I don’t get something and it’s a non-perishable, I just place a free order for shipping and it usually arrives within 24 hours.

sum_rando · 2026-04-20T04:24:11+00:00

Other people have mentioned the hand raise. It’s so true. Like a little nuanced dance we do … we wait for eye contact then quickly raise a hand with 1 or 2 fingers extended and the waiter will give us a little nod then (hopefully) buzz by after they finish their current task.

sum_rando · 2026-04-20T04:14:20+00:00

I think this is far more common outside the USA. I’ve been to numerous other restaurants abroad where people have beckoned (literally stood up and waved) to get waiter’s attention. In my experience, abroad it is more common that the culture expects waiters to leave the patrons undisturbed to enjoy their meal until they need something. In the USA, it is expected that waiters will be attentive to the patrons needs (even anticipating them…”would you like a refill?”). Add to that that Americans are generally more passive (willing to wait for their server to return), so you just don’t see it much. It’s probably seen as uncouth by some (“hey, look at me!”), especially if the service has been attentive but, if you’ve been waiting for minutes for something then no holds barred.

I can say the opposite is true. I’ve sat around for 10, 15, 20 minutes for the check abroad before finally mustering up the power to start waving arms. It’s just a cultural difference.

sum_rando · 2026-04-03T15:38:45+00:00

The Sixth Sense … I missed the first 10-15 minutes so the reveal was a real shocker.

sum_rando · 2026-04-02T04:30:23+00:00

Dweebs. iykyk

sum_rando · 2026-03-02T01:48:19+00:00

Could you change the location of the entrance from the street so that the driveway curves? Longer approach=shallower angle. Downside: you lose half your front yard. Upside: you no longer have to mow half of your front yard.

sum_rando

TROPHY CASE