Jo Miran

You fully missed the point. If you read comments around credit cards you’ll see that most people don’t understand the impact of credit cards on their ability to borrow. Yes, if you do not need five cards or $25,000 credit limit (or both), then you should absolutely start closing cards and reducing limits. People don’t understand that. They go buy a car and the loan rate is through the roof. They think that is how it is and never imagine that the rate might have been triggered by the three unused credit cards.

IMHO, you should always have one credit card with a limit just slightly higher than your monthly burn rate. You should use it instead of debit cards, and you should pay it off in full, automatically, every month well before it is due. Only one credit card. Again, just my opinion.

I’m pretty sure Biden didn’t beat Medicare.

Biden pulled a Ruth Bader Ginsburg. Instead of declaring that he would not run for reelection early on, we now find ourselves in a situation where the end of American democracy is not only possible but probable.

EDIT: Downvote away but if you think a Trump win isn’t the end of American democracy, then you are delusional.

You can only decrease what you owe on a loan but a credit card is an open line of credit that you can max out at any time. Because of this, the entire credit line counts against you when evaluating your debt. If you have any questions, ask your local bank manager or financial advisor.

EDIT: By the way, most people also believe that only the outstanding balance is counted.

If you have a credit card with a $25,000 limit, that limit counts against your total even if you are not using it. For example, if it is determined that you can sustain mortgage debt of a maximum of $400,000 at current interest rates, you will not qualify for that amount because you also have an open credit card with an available balance of $25,000 at a significantly higher interest rate.

EDIT: You can only decrease what you owe on a loan but a credit card is an open line of credit that you can max out at any time. Because of this, the entire credit line counts against you when evaluating your debt.

Dear young men. Get a vasectomy. You don’t want to raise children in a doomed future, plus it might do wonders to your dating profile.

We had to take that class on our senior year many, many, many moons ago. Back then they taught us that having a credit card was good though. LOL!

I watched that movie.

This is similar to when contracts go “up for bid” but they are really just going through the motions in order to appease regulators or investors. We stopped bidding on stuff years ago because of this.

Original

Tell me you’ve never sucked pierced titties without telling me you’ve never sucked pierced titties.

Just keep prioritizing yourself, your well being and your future. You won’t regret investing in yourself. (Ugh, I sound like a mindfulness infomercial)

EDIT: When it comes to adventure time, not everything needs to be epic. A few years ago a friend I have known since highschool told me that one of the most significant moments in her life was just us sitting quietly on the beach. No conversation. We just sat and took the world in. Just, try not to sleepwalk through it all.

I have had to deal with a few of those in recent years and they are not fun. Hang in there and best of luck.

I have been a proper slut so no, lack of sex is not a regret. 😉

It’s not lile that. I have no regrets, it’s just that I am getting older. Shit hurts all the time or doesn’t work as well as it used to. I am tired and the weight of a lifetime of memories is starting to get heavy. I am the same guy I was at ~21. In thirty years you will be the same guy you are today, but younger people will look at you different. I skateboard, I surf, I snowboard, etc as I have for forty years, but now I am not a dude doing dude things, I am a curiosity or “an inspiration”. I can’t go to a concert or a club to enjoy myself as I always have because now I am the weird old guy in the club. Nevermind that I have been listening to “EDM” since the 80’s. It just sucks that I just can’t be me without it being weird.

As far as advice, you know what to do. Eat well (little to no proceased food, way less meat, more veggies, etc) exercise regularly, stay active, and drink lots of water. Also, play hard AND work hard for yourself.

Older guy here. I have noticed that now when I look a beautiful young women I feel envy rather than lust. My thoughts go to wishing I was young again rather than wishing I could “tap dat ass” or whatever. Realizing that made kinda sad, NGL.

Honest question: What does Microsoft expect people with no Internet access to do?

First of all, who keeps their houses up to 79°F at night?

I do. When I am in Florida, I set my AC to 78 at night but room temperature can go to 80 before the AC kicks in. The key is having a nice ceiling fan. Normally the discomfort comes from hot and humid air hovering around your body (you do make heat). Having a constant breeze on your skin keeps you comfortable.

That said, I am not an athlete trying to achieve my personal best while the entire world is watching. I think it is reprehensible to not provide athletes with a climate controlled environment in which to rest.

Trü. Only divorced bourgy dudes think it’s preem.

There are a few basic lifepaths you can pick in Cyberpunk; corpo, nomad, and street kid.

Corpos wouldn’t be caught dead in a truck like that. It’s all about smooth lines and luxury.

For a proper Street Kid look, that thing should be covered in Graffiti and random tags. So yes, these tagged trucks do look better in my opinion as well

For a Nomad look, random shit needs to be soldered to the truck, battle car/mad max style. This is probably the best look for that abomination IMO.

Lagniappe: Paint it all black and add some fake rocket launchers to the back for that Militech look.