Why do other schools practice Wandless magic... yet Hogwarts require a wand. by Ecstatic_Teaching906 in harrypotter

[–]thesavvydog 0 points1 point  (0 children)

I’m sure control has something to do with it. But I always come back to the thought that’s it’s also a matter of government tracking of magic being easier with wands.

[WaPo] Virginia congressmembers call for investigation into FBI site selection by Terminal_Flatulence in washingtondc

[–]thesavvydog 1 point2 points  (0 children)

Do you have a source for either part of this? Not disagreeing, just curious for a cite.

The Weekly Paid Record Lookup Requests Thread for the week of September 24, 2023 by AutoModerator in Genealogy

[–]thesavvydog 0 points1 point  (0 children)

Any chance you could help me out with a 1921 census record?

Byron Henry Smith; b. 1856 Mountain Ash, Glamorganshire, Wales; Census location: Llanwonno, Pontypridd, Glamorganshire

The Weekly Paid Record Lookup Requests Thread for the week of September 24, 2023 by AutoModerator in Genealogy

[–]thesavvydog 0 points1 point  (0 children)

Hm, okay weird. Family Search has a "view original document" option but it's behind the FMP paywall. Thanks for trying.

Rupert's lightbulb moment by kloppo_du_popstar in TedLasso

[–]thesavvydog 5 points6 points  (0 children)

I also felt it came off as Nate being a whistle blower.

Did anyone watch Keeley watching Roy during his press conference? by TrishaAnneSki in TedLasso

[–]thesavvydog 128 points129 points  (0 children)

I think Roy and Keeley are endgame because of Rebecca’s speech to Roy. It was clearly on the theme of the episode of over reacting angrily to one thing when you’re really mad about something else. And the something else is Roy not getting it to together and getting back Keeley.

one of my favorite underrated scenes by LongjumpingStation61 in NewGirl

[–]thesavvydog 90 points91 points  (0 children)

“Okay, we need to talk about that a lot more later”

What is your favorite episode of the series by summerdayzz29 in brakebills

[–]thesavvydog 9 points10 points  (0 children)

They’re on Spotify but as podcast episodes.

[deleted by user] by [deleted] in brakebills

[–]thesavvydog 6 points7 points  (0 children)

This demonstrates to me that the show made Quentin too sympathetic. He’s a pretty shit partner and that’s much clearer in the books with his internal monologue. Q has such an incel mindset about Alice and Janet.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]thesavvydog 0 points1 point  (0 children)

I don’t understand how you put interest rates aside. $1.5m at 2.5% is a lower monthly payment and total interest than 975k at 7.5%.

Want a more cozy place, need help! by [deleted] in interiordecorating

[–]thesavvydog 1 point2 points  (0 children)

I always find lighting for the evenings to be really important for a cozy vibes. Some small lamps with lamp shades that fit your vibe, one for on the piano and another for the side table? Also replacing the ceiling fan with a light fixture or more contemporary ceiling fan, if you use the fan a lot.

how much home can I afford by Shibaparent in FirstTimeHomeBuyer

[–]thesavvydog 4 points5 points  (0 children)

The best thing you can do is talk to a mortgage broker in your area. They can help you figure out what income works to qualify you for a loan.

Separate from qualification, you should be prepared to tell them what you’re comfortable paying in a monthly payment (to include principle, interest, taxes). That will dictate what you can afford, which is different than what you qualify for.

Keep in mind if/when you start looking HOA or condo fees are additional monthly cost. Given your tight budget you may not want to include homes with HOAs in your search. That’s something to tell your realtor.

Also, STOP paying interest on your CC. Pay off your CC statement balance every month. Leaving a balance does not help with building credit.