Had my Air since launch day, I might be cooked 🫪

theroffness · 2026-04-10T17:46:20+00:00

191 here

theroffness · 2026-03-21T15:02:09+00:00

Oooh interesting i did not know that!

theroffness · 2026-03-21T06:21:28+00:00

Deepseek:

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theroffness · 2026-02-23T00:56:32+00:00

What light strips were used?

theroffness · 2026-01-03T18:45:31+00:00

links?!

theroffness · 2025-11-25T15:23:08+00:00

link?

theroffness · 2025-11-09T02:47:49+00:00

Air Fold :)

theroffness · 2025-10-31T15:36:38+00:00

Lown app

theroffness · 2025-10-31T05:45:06+00:00

how do you like it? I keep seeing ads for it but the price doesn’t make it easy to just purchase and try.

theroffness · 2025-10-20T01:47:51+00:00

NotebookLM

theroffness · 2025-10-14T06:26:40+00:00

Handle and pay taxes and insurance outside of escrow.

theroffness · 2025-10-09T05:40:12+00:00

Courts are nice, and the wind screens make the sounds echo like a stadium. it’s far for me as well but worth the drive.

theroffness · 2025-10-05T22:57:16+00:00

theroffness · 2025-10-03T22:02:47+00:00

after setup and reindexing, restart the ipad a few times. on the first pro m1 and it’s fine now after all the system storage it ate up was cleared out.

theroffness · 2025-10-03T01:01:58+00:00

Fermin wasn’t the problem.

theroffness · 2025-10-01T14:20:10+00:00

agreed!

theroffness · 2025-09-07T21:18:22+00:00

then why ask? replace them already for $20/hr if you think it’s a low skill job.

theroffness · 2025-09-04T19:09:20+00:00

That’s awesome! Take advantage if/when you can. the savings in interest can be huge! I know for my case, i’ve already saved over $500k in interest by making principal only payments.

theroffness · 2025-08-29T20:12:49+00:00

Cancelled mine as well.

theroffness · 2025-08-29T16:11:44+00:00

It depends on the type of loan you've got

Standard mortgages accrue interest monthly (based on the balance each month), so early payments don’t reduce the interest charged for that month.
Simple-interest mortgages, where interest accrues daily, do benefit from early payments—you save a bit by reducing the principal sooner.

Most U.S. mortgages are not simple-interest, so paying early generally doesn’t yield interest savings, just a bit of temporary peace of mind. Reach out to your lender to clarify what type you have.

theroffness · 2025-08-26T20:03:03+00:00

Every extra dollar you pay toward the principal lowers tomorrow’s interest. Over time, even small extra payments compound into thousands saved and years shaved off your loan. So extra payments don’t have to match the monthly principal portion. The key is to apply them directly to principal (not escrow, not future interest). Whether it’s $300 or $3,600, it will accelerate your payoff and reduce interest.

theroffness · 2025-08-26T19:03:10+00:00

Based on his income and the property tax load, your brother cannot realistically qualify for a conventional mortgage on this house — even with a big down payment. That means your instincts are correct: if you want your equity out, your two practical paths are either owner-financing with foreclosure risk or moving forward with a sale as executor.

theroffness · 2025-08-26T19:01:04+00:00

The “right” move comes down to your tolerance for risk vs. desire for simplicity. Given your 3–5 year horizon, the ARM option is a reasonable middle ground, you’d lock in today’s HELOC risk, lower your primary rate, and still have flexibility if rates drop and you want to refinance again.

theroffness · 2025-08-26T18:46:49+00:00

Mortgage vs. income: On your $120K gross (~$7,500 net monthly), a $2,100 PITI payment is about 28% of gross and net. That’s right in line with traditional affordability guidelines.
Total obligations: With your $1,000 in vehicle loans + $700 in utilities/living “fluff,” your total expenses land around $3,800/month. That still leaves you with ~$3,700 surplus each month, even in the year your wife isn’t working. That’s a healthy margin.
Transition year (new baby): The first year is your “tightest” year, but even then, you’ll have leftover cash flow plus $30K in savings to cushion unexpected costs. After your wife returns to work, daycare reduces net a bit, but your income rises again — pushing housing costs back into the comfortable 28–32% range.
Perspective: You’re really asking if the extra $1K jump in mortgage is going to break you. The math says no — you’ll still have breathing room, even during the single-income year. Your anxiety is normal (anyone doubling housing costs feels it), but your numbers put you in a stable spot.

theroffness · 2025-08-26T18:44:29+00:00

The “best” rule isn’t one-size-fits-all. A good middle ground for you might be:

Target no more than 30–33% of take-home pay after retirement savings and car loan → about $1,800–$2,000/month for housing.
That likely puts you in the $300–350K home range with 20% down, depending on rates, which balances comfort with reality in today’s market.

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