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Pd1_jap

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Everything posted by Pd1_jap

  1. NYC has many jack shacks. Just Google massage and read the reviews. If the reviews are mostly from men then there's a good chance a HE is included.
  2. From chat gpt: Buckle up, because we’re about to take a 50-year mortgage (aka “The Financially Forever 21 Loan”) and compare it to renting while saving like a disciplined, spreadsheet-wielding nerd in Chicago. 🧮 Assumptions To keep us grounded in reality (unlike a 50-year mortgage): Income & Rent Salary: $100,000/year → ~$6,250/mo after tax-ish (rough approximation) Rent: $2,400/mo (Chicago decent neighborhood, not “I hear gunshots” but not “Mag Mile penthouse”) Saving: 10% of income → $10,000/year → ~$833/month Savings interest: 4–6% APY (we’ll use 5% because you’re responsible but not Warren Buffett) Home Purchase Scenario Home price: $400,000 (very average Chicago) Down payment: 20% = $80,000 Loan amount: $320,000 50-year mortgage interest rate: 6.5% (long-term = higher risk = higher rate) Mortgage Payment Using standard amortization math: Monthly payment ≈ $1,920 (Yes… the 50-year mortgage makes it shockingly low. Banks love this.) --- 🏚️ 50-Year Mortgage: “Congratulations, You Now Owe Us Forever” 📌 Total Payments Over 50 Years $1,920/mo × 600 months = $1,152,000 total paid Original loan: $320,000 Interest paid over 50 years: $832,000 > You pay 2.6× the price of the house in interest alone. Basically buying 2.6 houses, but you only get to live in one. Congratulations, you played yourself. --- 📆 Now zoom in: First 10 years In the first decade of a 50-year mortgage, your payments mostly go to interest. You’re not “building equity”—you’re “renting from the bank but with extra steps.” Payments in 10 years $1,920/mo × 120 months = $230,400 total paid How much of that is interest? Roughly $205,000 in interest Only $25,000 goes to principal > After 10 years of “owning,” your loan goes from $320,000 → ~$295,000. That’s right. 10 years later and you’ve paid off only 7.8% of the loan. At this rate, your grandchildren will finish the mortgage for you. --- 🏙️ The Renting + Saving Path: “The Competent Adult Strategy” Rent for 5 years: $2,400/mo × 60 = $144,000 in rent paid Yes, rent disappears into the void… but so does your mortgage interest except the void is named “Bank of America.” Savings over 5 years: Save $10,000/year = $50,000 contributed 5% APY compounding → ≈ $55,250 saved > You end up with $55k, which looks suspiciously like a down payment starter kit. Net after 5 years: Rent paid: –$144,000 Savings: +$55,250 Net cost: –$88,750 Compare that to 10-year mortgage cost in interest alone: Mortgage interest after 10 years: –$205,000 --- 💥 Side-by-side: Who’s the bigger financial masochist? After 10 years on a 50-year mortgage: Category Amount Total Paid $230,400 Interest $205,000 Principal Paid $25,000 Remaining Loan $295,000 After 5 years renting + saving: Category Amount Rent Paid $144,000 Savings Accumulated $55,250 Down Payment Progress 55% to 70% of a realistic down payment > Renting in this scenario burns money. A 50-year mortgage incinerates it with a flamethrower. --- 🎤 Smartass Summary 🏚️ 50-year mortgage: “Congratulations, you’ve unlocked Decades of Interest Payments.” After 10 years, you still owe 92% of the loan. You paid the bank $205k to reduce your balance by only $25k. Financial equivalent of trying to empty Lake Michigan using a Starbucks straw. 🏢 Renting + saving: Yes, rent disappears… like Thanos snapped your money. But saving 10% builds actual financial power. After 5 years you have $55,000 working for you. You’re in striking range of a normal mortgage that doesn’t last longer than some dictatorships. --- 🧨 Conclusion (Sarcastic, Nerd-Approved) If your goal is to: Give a bank the financial equivalent of a lap dance Own barely more of your home after 10 years than when you started And tell your heirs, “Surprise, you still owe money!” Then the 50-year mortgage is perfect. 👌 If you instead want: Equity Flexibility And not paying nearly a million in interest Then renting + saving wins the Chicago game.
  3. With loan terms so long you may as well be renting.
  4. If he's new to this, he probably gets nervous about his nudes being publicly available.
  5. I'm chatting him up. We might setup a rendezvous in a month or two.
  6. Add what?
  7. SweetBoyRob - Male Escort, Gay massage - Los Angeles | Rent.Men RENT.MEN SweetBoyRob Gay Escort in Los Angeles, California, available for Modeling,Erotic Massage,Bodywork. | Find all the best... Odd that he advertises as a bottom but doesn't have any ass pics. Had anyone taken the plunge?
  8. SethNorthwest - Male Escort, Gay massage - Los Angeles | Rent.Men RENT.MEN SethNorthwest Gay Escort in Los Angeles, California, available for Modeling,Erotic Massage,Bodywork. | Find all the best... This fine man has done very hot role play with me.
  9. MasccMuscleBttm - Male Escort, Gay massage - Los Angeles | Rent.Men RENT.MEN MasccMuscleBttm Gay Escort in Los Angeles, California, available for Erotic Massage. | Find all the best Male Escorts... I normally stay away from guys asking for pics. I can get rejected for free but that muscle ass is very tempting.
  10. He's a fitness model. His Instagram shows he was in NYC five days ago. Looks legit so far. Too bad he doesn't bottom.
  11. Which city is this?
  12. I assume it's a new ad for a name changer or he's a scammer. Those pics look semiprofessional.
  13. QuincyMarkx - Male Escort, Gay massage - San Diego | Rent.Men RENT.MEN QuincyMarkx Gay Escort in San Diego, California, available for Modeling,Erotic Massage,Bodywork. | Find all the best... I can't believe this guy hasn't been discussed. Anyone have intel?
  14. Children, children, please! Save the snotty comments for Thanksgiving dinner. 😜
  15. He's a great guy. Wish I could spend more time with him. His cock is pretty big. I have trouble getting it in my throat.
  16. Seoul health spa in Gardena can be fun. https://maps.app.goo.gl/ZixK9njE35FWYxbb9
  17. Says they are coming to LA in about a month. We'll see.
  18. Best way is through his telegram.
  19. He just texted me that he's in LA today and Santa Monica tomorrow. I unfortunately am busy but if you are in LA and want to meet him then now's your chance.
  20. The pics look hot.
  21. Bump
  22. Guilherme_Mass's profile on RentMasseur Guilherme_Mass - Male Massage & Bodywork in West Hollywood, CA | RentMasseur RENTMASSEUR.COM Gay Masseur Guilherme_Mass in West Hollywood, CA offering a wide range of massages ⭐ experienced in therapeutic... I've had a lot fun this guy.
  23. https://rent.men/MascMarineMason This guy looks fun. Has anyone had the pleasure?
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