Lurker > IdiotMachine
LurkerFAQs, Active DB, DB1, Database 2 ( 09.16.2017-02.21.2018 ), DB3, DB4, DB5, DB6, DB7, DB8, DB9, DB10, DB11, DB12, Clear
| Board List | |
|---|---|
| Topic | 15 or 30 year mortgage? |
| IdiotMachine 01/12/18 9:46:38 AM #10 | Darkman124 posted... the gap is a half percent, not a whole percent. has been for years. when I refi'd in 2013, I got [email protected]%; [email protected]% was available but the difference in interest was trivial and my home is worth a ton. Yea, my current house ("starter home"), I got 2.25% at 30 years back in 2014. |
| Topic | 15 or 30 year mortgage? |
| IdiotMachine 01/12/18 9:41:20 AM #7 | chrono625 posted... Darkman124 posted...30 We will definitely consider that, since this second house is most likely our final house. |
| Topic | 15 or 30 year mortgage? |
| IdiotMachine 01/12/18 9:36:56 AM #6 | My parents also think 30 years is better, because then we have a choice about payment (e.g. Pay more if you can afford it). |
| Topic | 15 or 30 year mortgage? |
| IdiotMachine 01/12/18 9:35:27 AM #4 | Darkman124 posted... if you're not already maxing your roth 401k you absolutely should not be paying down low interest debt faster We're maxing to the company match, but not to the yearly contribution limit. |
| Topic | 15 or 30 year mortgage? |
| IdiotMachine 01/12/18 9:31:25 AM #1 | We're looking to buy our second home (selling our first home), and can't decide on a 15 or 30 year mortgage... While 15 year mortgage sounds better on first glance, I argued that we can, instead, put the money difference between the 15 and 30 year mortgage payments into our Roth 401k and we'll make more money doing that. But then my wife argued that we can, instead, put the entire 15 year mortgage payments into our Roth 401k after we pay the house off in 15 years, and the quality of life won't change (because we're "used to" paying the bill). So...... What does CE think? |
| Topic | Home Depot or Lowe's? |
| IdiotMachine 01/08/18 9:53:43 PM #5 | I feel like Home Depot caters to more a DIY/professionals, and Lowe's caters to more of a amateur/non-handymen clientele. This is strictly based on how the stores look and their coloring schemes, from the dozens of different HDs and Lowe's I went into. As far as products, I feel like HD has more products. I was able to find nonstandard bolts at HD vs at Lowe's. |
| Topic | Home Depot or Lowe's? |
| IdiotMachine 01/08/18 9:49:31 PM #1 | |
| Topic | In The Greatest Showman, why was that girl an outcast? [SPOILERS] |
| IdiotMachine 01/08/18 9:40:37 PM #8 | Anarchy_Juiblex posted... Or those hicks throwing out that ghastly racial slur. I seriously don't remember this part. |
| Topic | Why the fuck wont these light bulbs work? |
| IdiotMachine 01/08/18 9:11:46 PM #10 | Well your lamp says it can only accept a standard bulb or CFL bulb, and you bought an LED bulb. Troubleshooting tips, in any order: *Try another bulb; see if it works. *Try the LED bulb in a different lamp/socket. *UNPLUG THE LAMP, then look in its socket. Check if the hot contact is bent correctly, and if not, just bend it towards you more so it can contact the bulb better. *Try a different power socket, and a combination of both above. |
| Topic | In The Greatest Showman, why was that girl an outcast? [SPOILERS] |
| IdiotMachine 01/08/18 9:03:40 PM #6 | DarthAragorn posted... Well yeah, did you notice the setting D'oh. I guess I completely missed that LOL. Anarchy_Juiblex posted... Not everyone was "just a freak" or outcast though, she was a trapeze artist. Yea, but it seemed like she was an outcast, what with all the songs they sing being like "we can't be together even though we love each other". |
| Topic | In The Greatest Showman, why was that girl an outcast? [SPOILERS] |
| IdiotMachine 01/08/18 8:59:59 PM #3 | DarthAragorn posted... She's black Wait seriously? That was it? She's freakin' hot. |
| Topic | In The Greatest Showman, why was that girl an outcast? [SPOILERS] |
| IdiotMachine 01/08/18 8:58:53 PM #1 | The girl that Zac Efron fell in love with wearing purple:  Why was she an outcast? Why did his parents not want him to be with her? |
| Topic | Hey, guys. Guess what? I'm a girl. |
| IdiotMachine 01/08/18 7:09:05 PM #3 | Pics. |
| Topic | How much should I tip the Pizza guy. |
| IdiotMachine 01/07/18 9:40:33 PM #4 | $2 is a good average. Add extra if the weather is bad, if you live in a hard-to-find place, etc. |
| Topic | Kids are more mature than some adults these days. [Texting in Theater] |
| IdiotMachine 01/07/18 1:03:00 PM #1 | Couple weeks ago, while watching The Last Jedi, a kid (probably under the age of 8) was sitting next to me and he was texting. After a couple times, I asked him to stop, he apologized, and put it away, never to bring it back out until the movie ended. I recall several months ago, while watching Kingsman 2, an old lady sitting next to me started texting away. Hers was so much more annoying, because the brightness was on full, and the text was huge. I asked her to stop, to which she glared at me, and just turned the phone away from me, not stopping. |
| Topic | 5 white men jump 2 black teens because a white girl talked to them |
| IdiotMachine 01/07/18 11:29:28 AM #24 | Louisiana |
| Topic | How's your weekend going? |
| IdiotMachine 01/07/18 10:36:52 AM #8 | Today's supposed to be better: 25F/-2F. But it's still too damn cold, and I don't want to go outside. |
| Topic | Do you have a cat? Is it an asshole? |
| IdiotMachine 01/07/18 9:51:16 AM #1 | |
| Topic | The worst part of being technical and escalating an issue to a company is that |
| IdiotMachine 01/06/18 8:27:04 PM #2 | They're just over-the-phone technical support. If there's a serious problem, they escalate it and engineers take a look. If there's a critical problem, they bring out their big guns, and send techs and engineers to your location to get it looked at. As much as people like to make fun of cable companies, there are good, smart people working there. |
| Topic | How's your weekend going? |
| IdiotMachine 01/06/18 7:33:42 PM #6 | Dash_Harber posted... Okay. Pretty sure I'm going to quit my job via email with no notice today, so yeah ... Why? |
| Topic | How's your weekend going? |
| IdiotMachine 01/06/18 7:29:43 PM #4 | Turbam posted... I'm at work Oh geez, sorry to hear that. I saw the weather forecast for Friday (yesterday), and said "fuck that" about work. |
| Topic | Whataboutism has a commercial now. |
| IdiotMachine 01/06/18 7:27:11 PM #2 | -_- |
| Topic | How's your weekend going? |
| IdiotMachine 01/06/18 7:19:14 PM #1 | I stayed home literally all day yesterday and today. Yesterday, weather was predicted to be 8F/-2F, with wind chills down to -23F. Today, weather was predicted to be 10F/-2F, with wind chills down to -15F. Fuckkkkk that cold. Decided to stay indoors all day lol. |
| Topic | College from an education standpoint has been replaced by the internet |
| IdiotMachine 01/06/18 6:38:56 PM #11 | Soviet_Poland posted... Theoretically, one ought to learn how to learn such that new challenges later in life and disciplines can be self-taught. This is also something that I started to grasp was the point of my university education near the end of my college years, and it was an eyeopener. |
| Topic | College from an education standpoint has been replaced by the internet |
| IdiotMachine 01/06/18 6:33:35 PM #7 | Damn_Underscore posted... And professors don't have their own ideologies? Of course they do, but it is generally aligned with the university. And any university worth its salt will vet their professor to not have extremist teachings. This is opposed to the internet, where you can find all sorts of extremism, and nothing is vetted. The internet is a good tool to go find subsequent knowledge to augment your tuition, but it will not replace it in whole. |
| Topic | College from an education standpoint has been replaced by the internet |
| IdiotMachine 01/06/18 6:29:16 PM #2 | I disagree. Internet amplifies a certain ideology. So if you're learning the "wrong" thing, you may convince yourself that that is the "correct" thing. In addition, for technical aspects, you cannot ask questions (e.g. if a calculation you are performing is correct or not), or you rely on non-professionals to answer your questions, which may be a shot in the dark. Furthermore, there's no hands-on things you can do with "just the internet". |
| Topic | I fucked up with Tron. |
| IdiotMachine 01/06/18 5:51:33 PM #1 | Bought ~$50 worth at $0.003--, and when it hit like $0.007--, I sold it thinking I doubled my money. Would've been sitting on $3000+ now. =( |
| Topic | How long is considered reasonable to stay at a job for employers |
| IdiotMachine 01/06/18 10:37:03 AM #7 | JBaLLEN66 posted... even if lease is up in august? I'm getting the **** out of Nashville thank god. You might not start your new position until after August. And if you do start before, you can always cancel the lease (and pay any fees) or sublease it out (read your lease agreement to see if this is acceptable). |
| Topic | How long is considered reasonable to stay at a job for employers |
| IdiotMachine 01/06/18 10:33:44 AM #2 | Do what makes you happy. You owe no loyalty to any employer. |
| Topic | You ever get denied for a credit card? |
| IdiotMachine 01/06/18 10:31:19 AM #7 | Nomadic View posted... No, I actually get Pre-approved offers all the time. You might want to opt out of that here: https://www.optoutprescreen.com/ It's an extremely easy way to get your identity stolen. |
| Topic | You ever get denied for a credit card? |
| IdiotMachine 01/06/18 10:27:36 AM #5 | JBaLLEN66 posted... Yes from Chase sapphire because of that inquiry bull**** policy That 5/24 rule, eh? Sorry to hear that. |
| Topic | You ever get denied for a credit card? |
| IdiotMachine 01/06/18 10:25:32 AM #3 | pres_madagascar posted... The hell is credit card churning Open a credit card with good sign-up bonus, utilize the bonus, then toss the card or close the account. Rinse and repeat with other cards, and after a certain time, do it again with the same cards. Example: Chase AARP card right now gives you $200 back after $500 spent. Do that, then close the card. After 2 years, you're eligible for another sign up bonus with that specific card. |
| Topic | Oh shit... does Google know something that I don't? |
| IdiotMachine 01/06/18 10:18:11 AM #1 |  wtf... time to call the wife. |
| Topic | You ever get denied for a credit card? |
| IdiotMachine 01/06/18 10:13:06 AM #1 | I asked them to reconsider (because at this point, my credit got hit already), and they asked me for some more details on my finance, then approved me for a $16k line of credit. .........these banks are catching on to us, credit-card-churners. I might have to start closing some of these dead accounts. |
| Topic | Remember Mass Effect Andromeda |
| IdiotMachine 01/06/18 9:55:33 AM #2 | I still haven't finished that game. It just seems like you go to planet-to-planet, do some scanning to activate some consoles, go underground, do some platforming, and run away from a giant wall of death. I think I got to like the 3rd or 4th planet, and just stopped. |
| Topic | I don't understand bitcoin. |
| IdiotMachine 01/05/18 8:30:14 PM #3 |  |
| Topic | ITT: Investment hierarchy. |
| IdiotMachine 01/05/18 8:28:02 PM #11 | Darkman124 posted... the reason is an investment itself: time. if you lose your job, you don't want to be in a position where you have to consider a lower-paying job to ensure other assets won't need to be tampered with to make ends meet That is true. The rule of thumb is expect a month of job searching for every $10k you want. Speaking of tampering with investments to make ends meet, this is where Roth IRAs shine: you can pull out the money you put into it without any penalties. |
| Topic | Top ten unhappiest states... Is YOUR stare included? |
| IdiotMachine 01/05/18 8:15:47 PM #32 | __Y2JosHBK___ posted... Literally a site called cheat sheet. I know liberals like using uncredited sites(fake news) to defend themselves but this is just sad. New User |
| Topic | So AMD chips are even more screwed than Intel by these new exploits |
| IdiotMachine 01/05/18 8:14:30 PM #15 | iamintents posted... do these exploits have to be installed on your pc, like malware? i still dont understand where the intrusion point will be. glitteringfairy posted... Which I'm hoping someone will do because I don't understand.. What am I vulnerable too In a nutshell: *CPUs are traditionally sequential. If you give it a command, it'll do it in the order it received it. *Modern day CPUs started using statistics to run commands in parallel. If you give it a command, CPUs will now guess what your next command will be, and starts to calculate it. *This thing that the CPU guessed that will be your next move is stored in an unprotected place. *Malware can access this unprotected place and take all this data. |
| Topic | So AMD chips are even more screwed than Intel by these new exploits |
| IdiotMachine 01/05/18 8:07:49 PM #4 | The Admiral posted... I don't quite understand how this isn't a bigger deal with the mainstream media. Because it's hard to explain to your average, non-techie, citizen. |
| Topic | Top ten unhappiest states... Is YOUR stare included? |
| IdiotMachine 01/05/18 8:04:36 PM #20 | I hate that slideshow bullshit. So here's the list, which the OP should have done: 10 - Rhode Island 9 - Ohio 8 - Massachusetts 7 - Illinois 6 - California 5 - New Jersey 4 - Indiana 3 - Michigan 2 - Connecticut 1 - New York |
| Topic | ITT: Investment hierarchy. |
| IdiotMachine 01/05/18 7:48:35 PM #1 | After you paid off all your bills, you got some money left? Well here's what you do with it, in order of importance: 1.1) Liquidity- Keep a thousand or two in your checking account, and move the rest into your savings account. You want your total checking and savings account to grow until you feel comfortable (e.g. have 3x monthly bills; 6x monthly bills; 1x monthly bills... whatever you feel safe at). 1.2) Really High Interest Loans- While you start saving, consider starting to pay more than the minimum payments for any debt you have that are greater than 10% APR. Finish paying off these debt before moving on to step #2. 2) Employer-Assisted- Max out any employer-assisted investment accounts. For example, if your employer matches 4% contribution into your Roth/Traditional 401k, contribute 4%. Be sure to use these funds to actually invest in something, and not just keep it as cash. 3) High Interest Loans- Pay down the principle of any debt you have that are greater than 6% APR. 4) IRA- Deposit up-to $5,500 (per year, cycling from April 15th) into a Roth/Traditional IRA. Just like your 401k, be sure to actually invest this. Some low-fee roboadvisors to help you get started: Betterment, Wealthfront, Schwab IP. 5) Contribute More into HSA- Your HSA can be a tax-advantaged investment account! Contribute as much as you can afford in here, and convert your HSA funds into mutual funds. Contact your HSA administrator for more details. 6) Other Investments- Increase your contributions into your 401k, or open up a traditional investment account and start investing into it. Some low-fee brokers to help you get started in "easy" stock investing: Robinhood, Acorns, Schwab ETF, E-Trade ETF. 7.1) Low/Medium Interest Loans- Pay down the principle of any debt you have that are under 6%. 7.2) High Risk Ventures- Have fun and use your excess money in high risk ventures. |
| Topic | Any smart investments I can make with 6 grand? |
| IdiotMachine 01/05/18 7:12:19 PM #2 | Buy bitcoin. |
| Topic | If women do make less money, why don't companies just hire women? |
| IdiotMachine 01/05/18 7:08:02 PM #1 | There's that mantra that women earns an average of 79 cents for every dollar a man earns. So why don't companies just hire all women, and save a whopping 21% on their labor costs? |
| Topic | I wish there was a Star Wars movie where the empire is smart. |
| IdiotMachine 01/05/18 9:55:33 AM #1 | Empire, First Order, whatever... Their leadership all make terrible decisions, and their foot soldiers have terrible aim. I wish they made a movie where they were actually competent; perhaps show how they became so big. |
| Topic | This might be the greatest single take scene in all of TV |
| IdiotMachine 01/05/18 9:49:00 AM #9 | He meant scene, and not a take. |
| Topic | Remember the Ouya |
| IdiotMachine 01/05/18 9:21:32 AM #4 | I don't know why people thought that it was a good idea. |
| Topic | Anyone else think pearl necklaces don't look good? |
| IdiotMachine 01/05/18 9:10:22 AM #10 | Rika_Furude posted... Oh. I didnt walk into the store cause i was wearing like a t shirt and shorts and there were 5 security guards and i thought theyd call the cops cause im not rich enough to enter the store or something Ah you meant "storeroom" as in literally inside the store. I thought you meant storage. My mistake. |
| Topic | Anyone else think pearl necklaces don't look good? |
| IdiotMachine 01/05/18 9:05:05 AM #6 | Rika_Furude posted... dunno wtf they had in the storeroom Jewelry stores generally do not have a lot of stuff in the storeroom. If you want to buy jewelry that is on display, but not that specific one, you can be in for a week+ wait while they get it for you. |
| Topic | Do you rember Balamb Garden's background music? |
| IdiotMachine 01/04/18 10:26:47 PM #4 | do do do do do do do do do do... x2 doooo doooooooooo.... do do doooo do doooooooo..... do do do do do doooooooo...... do do dooooo |
| Board List |