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Everything posted by Pd1_jap
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You're in NYC w/ $200 and 90 min free time--who do you call?
Pd1_jap replied to dcsmlxl's topic in Spas & Masseurs
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. -
Would you sign up for a 50-year mortgage?
Pd1_jap replied to marylander1940's topic in Personal Finance & Investing
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. -
Would you sign up for a 50-year mortgage?
Pd1_jap replied to marylander1940's topic in Personal Finance & Investing
With loan terms so long you may as well be renting. -
If he's new to this, he probably gets nervous about his nudes being publicly available.
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I'm chatting him up. We might setup a rendezvous in a month or two.
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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?
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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.
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Anyone?
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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.
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Anyone have the 411 on this guy? https://rent.men/Brunooofit
Pd1_jap replied to MaxMuscle9x6's topic in The Deli
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. -
Which city is this?
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I assume it's a new ad for a name changer or he's a scammer. Those pics look semiprofessional.
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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?
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Children, children, please! Save the snotty comments for Thanksgiving dinner. 😜
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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.
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Seoul health spa in Gardena can be fun. https://maps.app.goo.gl/ZixK9njE35FWYxbb9
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Says they are coming to LA in about a month. We'll see.
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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.
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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.
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No Intel?
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https://rent.men/MascMarineMason This guy looks fun. Has anyone had the pleasure?
Contact Info:
The Company of Men
C/O RadioRob Enterprises
3296 N Federal Hwy #11104
Ft. Lauderdale, FL 33306
Email: [email protected]
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