Robert Black (u/robert246)

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I went with the 30-year mortgage over the 15-year and it was the right call for me

I was dead set on a 15-year loan for my place in Charlotte because I hated the idea of paying more interest. My lender ran the numbers and showed me the 30-year payment was $900 less a month, which let me actually afford the house and still save for repairs. Having that extra cash flow last winter when the furnace died was a lifesaver. Anyone else pick the longer term and feel better about it?

3 comments

c/barbers•

robert246•27d ago

Just realized my whole approach changed after a shop in Austin

I was visiting a friend's shop down there about 8 months ago, and I saw him do something wild. A guy came in for a skin fade, but he had these really bad razor bumps and ingrown hairs all over his neck. My friend, instead of just going over it, stopped and spent a full 10 minutes just talking to the guy about his shaving routine at home. He told him to throw out his cheap, 5-blade razor and get a single blade safety razor. He even drew a little diagram on a napkin showing the direction his hair grows. I used to think the cut was the only thing that mattered, but that moment hit me. Now, I ask every single client about their at-home care, especially for skin issues. It builds way more trust. How many of you actually take time to give that kind of advice?

3 comments

c/comic-book-fans•

robert246•27d ago

I used to think comic book fans were all about the big two, but a trip to a small shop in Toledo changed that.

Honestly, I went into this little store called The Paneled Page last Tuesday just to kill time. The owner, this older guy named Carl, saw me looking at the Marvel section and asked if I'd ever read 'The Nice House on the Lake'. He handed me the first trade, and I read the whole thing right there in a beat-up chair. It's a DC Black Label book, but it's nothing like the superhero stuff I usually go for. That one afternoon completely shifted my view on what the hobby can be. Has anyone else had a single book from a small shop totally rewire their tastes?

3 comments

c/food-label-confusion•

robert246•29d ago

My 'all natural' frozen pizza had a 40 ingredient list...

I bought it last Tuesday thinking it would be a simple meal, but the back panel was a wall of words I can't even say. It makes me wonder, what does 'all natural' even mean anymore if the food inside needs a science degree to understand?

3 comments

Posts

I went with the 30-year mortgage over the 15-year and it was the right call for me

Just realized my whole approach changed after a shop in Austin

I used to think comic book fans were all about the big two, but a trip to a small shop in Toledo changed that.

My 'all natural' frozen pizza had a 40 ingredient list...

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