What do y'all think about these videos in helping you sleep?

2022.01.29 01:35 NocturnalSpaces What do y'all think about these videos in helping you sleep?

Black Screen Videos
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2022.01.29 01:35 No_Two_8778 A car is the safest place to be.

Think about it. When you're hiding in a closet at home, you can't see the outside, so you can't see who is coming for you. When you're in your car, you can look out the windows, and even better if your windows are tinted. When you see someone coming for you you can turn on the engine and just make a run for it. If you're hiding in a house, you're essentially trapped. They will find you if they look. The only way to escape would be to somehow make it out of your house or kill them. With a car, you could cut them loose; and if they chase after you with their own car, you could drive straight into a police station or hospital-- somewhere you know you could get help.
This is what has made me feel safe in my car even when I'm in shady neighborhoods.
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2022.01.29 01:35 erikar14 Does this collection look valuable at all?

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2022.01.29 01:35 kloibunny In front of the bus stop.

In front of the bus stop. submitted by kloibunny to pics [link] [comments]


2022.01.29 01:35 Groundbreaking_Cod94 Should i pay all mortgage or invest in the S&P 500?

First of all I'm not buying anything, this is just a thought experiment, my main goal is to find out which is a better option? let's say I want to buy a house for $100K, and I have the $100K in my bank account cash. should I:

  1. Pay for the house CASH.
  2. Get a loan and pay for mortgage.
  3. Invest in the S&P500 and pay for mortgage every month by taking the monthly payment from the S&P500 balance.
Here are the Factors : -Mortgage interest rate : 6% per year fixed.
-Mortgage period : 15 Years.
-Down payment : 20%.
-Interest on my 100K if sitting in a bank account: 0%.
-S&P500 average return : 10.5% per year.
-Inflation rate : 2% per year.
-Taxes on investment gains : 0%.
-paperwork fees & all fees : $0
-Property appreciation : 0%
-Currency : $
-Value = price - inflation rate
Here come the numbers, I'm an idiot so correct me if I'm wrong please!

-If i go with option N°1: my total cost would be : $100K TODAY. Value =$100K since there's no inflation yet.

-If i go with option N°2: my total would be : 20K down payment + 80K principal + 41,5K interest= $141,5K.
Since inflation is 2%, in 15 years it would be 30% total, but because of the fact that inflation is gradual, the average inflation rate on 121K (principal+intrest) should be 15.83% after 15 years, so Value would be less hence, Value = 102,279+down payment of 20K= $122,279.
So in conclusion from the first 2 options, after 15 years paying cash would be a better option than mortgage, since even after factoring inflation I'd still be paying 22% more in value if i chose getting a mortgage.
And without factoring inflation using price rather than value, I'd be paying 41.5% more on a mortgage vs paying cash.

Now let's go with option N° 3 this one is a bit more complicated for my monkey brain.
The plan is to invest 100K in the S&P500 index fund and every month I'd withdraw $781.96 which is the monthly payment for the mortgage, my questions are:
Is it better to pay cash or to use option N°3?
Can the gains pay for my interest? or better yet, pay for the interest and leave a positive balance on my portfolio?
If i go with option N°3: my total would be: 100K initial investment - 781.96 per month for 15 years +10.5% per year (I used interest calculator) should be = (negative) -$57,471.
The way i go this number is by calculating how much 10.5% per year would yield me if i invest $100K and take out $781.96 every month for 15 years. and the answer is $98,971 Total yield paid. that's a total of 98.9% return in 15 years!
Meaning i can pay the 100K principal + 41,5K total interest and still have $57,471 hence the negative number in the last equation, i did not factor inflation in this case since if I did I'd have to factor it on the mortgage and the investment gains and they'd just cancel each other out.
If you wanna factor inflation on the remaining $57,471, it'd be worth $40,229 in 15 years.
If you wanna factor Taxes at 20% you'd still be able to pay for the interest and keep $37,677 valued at $26,373 after 15 years of inflation.
Conclusion: Option N°3 is the best since you'd be able to pay interest for free & have a nice bag of cash afterwards, unless of course you're me in which case as soon as you buy $SPY the market will go into a recession and will not recover until after 15 years yielding you $0 and you'd have no house and no money since you sold the bottom the end.

PS: it's 4am and I'm an idiot who wanted to answer this question which kept me awake for 2 Hours i posted it here so i can be corrected if I'm wrong please feel free to call me names, i want to laugh a little is this red sea of death.
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2022.01.29 01:35 SlappaDaBayssMon If the Ramily wins on Sunday would that make them the NFC Rampions?

Discuss
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2022.01.29 01:35 Charming_Milana Would love to know you first impression 💕

Would love to know you first impression 💕 submitted by Charming_Milana to firstimpression [link] [comments]


2022.01.29 01:35 RLCD-Bot [Marauder] [Burnt Sienna Enjin]

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2022.01.29 01:35 trevormooresoul Are there any drawbacks to making one big dining/working/entertainment room?

I know you can combine some things. But I'm wondering, can you just combine it all into one big room? Or should some of it be split off for some reason due to room designations?
For instance I'm concerned if I put a research bench or tailer table AND entertainment, AND they eat there that they won't get all the benefits.
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2022.01.29 01:35 incognitocelibe Siempre soy el último en todo y mi vida es una miseria y una tristeza.

Hola, aquí estoy yo otra vez el incógnito solitario, bien pues no hay día en el cual no recuerde que soy solo un perdedor solitario que ha sido condenado a vivir en soledad sin una novia y privado de las experiencias satisfactorias e increíbles y mágicas tales como ser amado, el primer beso, la primera vez y tener novia, es algo muy triste la vida prácticamente me ha mantenido privado de esas experiencias, siempre desde que tenía 5 años tuve deseos de saber cómo sería besar a una chica y cuando tenía 13 sentí deseos de tener novia y también otro tipo de deseos incontrolables, sin embargo a pesar de todo el tiempo que ha pasado desde que tenía esas edades nunca he logrado tener una novia ni mi primer beso ni siquiera ningún tipo de afecto femenino de ninguna chica que haya conocido, es una injusticia.
El día 26 de enero tuve una experiencia en la cual no pude evitar sentir demásiada irá y mucha envidia y tristeza ya que escuché a uno de mis conocidos hablar de una experiencia privada que tuvo con una chica la cual era unos años más joven que el, logré escuchar como el hablo sobre eso y otras personas que lo escucharon comenzaron a felicitarlo y a decirle bromas sobre ellos insinuando que hizo lo correcto y fue "afortunado", no pude evitar sentir demásiada irá y envidia incluso deseaba levantarme bruscamente del lugar e irme sin embargo no lo hice por vergüenza a qué se dieran cuenta de que me sentí incómodo.
Sin embargo después no pude evitar dejar de pensar en lo dichoso y afortunado que era ese chico, logro estar con una más joven que probablemente aún era "pura" y le dió su "pureza" por primera vez a el, que dichoso de verdad y que envidia e injusticia que mientras yo estoy aquí sin ni siquiera haber dado un beso otros disfrutan esas satisfactorias y mágicas experiencias, lamentablemente yo nunca podré experimentar eso ya que la mayoría de chicas de mi edad no son para nada "puras" y ya han perdido esa "pureza" con alguien más y probablemente si algún día consigo novia ya no sea pura y eso para mí sería algo muy triste e imperdonable y me haría sentir mucha ira ya que no habría guardado su pureza solo para mí y se la habría regalado a otros que no se la merecían y eso para mí es algo imperdonable y no dudaría en rechazarla y hacer que desaparezca de mi vista porque si no guardo su pureza para mí entonces no me sirve, talvez crean que lo digo por cuestiones religiosas, pero en realidad no creo en nada y lo digo porque yo quisiera ser el primero en la vida de alguna chica y por primera vez por lo menos ser el primero en algo y ser especial y no ser visto solo como uno más de los que estuvo, porque muy probablemente me compare con sus anteriores novios y pensaría que ellos hacían mejor eso o eran mil veces mejores que yo y la verdad no soporto ser comparado con nadie porque me da demasiada irá, lamentablemente siempre soy el último en todo y soy un don nadie que nunca obtengo nada de lo que quiero y solo seré uno de los muchos con quién estuvo una chica que tristeza, por eso sí una se siente atraída por mi y no es "pura" no la rechazaré pero esperaré el momento perfecto para hacer que sienta la misma tristeza que yo sentí al saber que no se reservo para mí. Porque toda aquella que haya estado con alguien más y crea que puede tener algo conmigo estaría cometiendo una falta de respeto y una falta grave en mi contra.
Sin embargo probablemente eso no pase debido a mi poca capacidad para conseguir novia por culpa de mis muchos defectos físicos como mi rostro, mi voz y que soy muy malo en los deportes, mi única virtud es que siempre he sido "inteligente" y en la secundaria siempre era reconocido por ser un excelente alumno y podía por lo menos una vez sentirme superior y un ganador, sin embargo a pesar de eso nunca logré atraer a ninguna siempre fui un fantasma o un don nadie para las chicas y por eso tengo nada de capacidades para conseguir una novia pero igualmente siempre planeo las cosas días o años antes de que pasen y si pasa esa situación estaré listo para ser lo más frío posible para hacer que pida perdón y sienta mis tristes sentimientos.
Desearía algún día lograr dejar de ser un don nadie sin reconocimiento, novia y admiradores y algún día ser conocido y amado de verdad, solo eso me haría sentir mejor y me haría olvidar todo lo malo que me ha pasado en la vida. Aunque otras cosas nunca las olvidare como lo doloroso que fue vivir toda la adolescencia privado de experiencias como tener novia y un amor adolecente o mi primera vez o mi primer beso y para mí eso nunca lo voy a olvidar o perdonar porque yo no perdono a nadie que haya cometido faltas como rechazarme o reírse de mi además fui prácticamente obligado a vivir una vida de soledad.
Sin embargo esa tristeza debido a que nunca tuve un amor en la adolescencia y fui privado de vivir las experiencias de un adolescente normal seguirá en mis pensamientos siempre y nunca olvidare que la vida me privó de esa vida normal y experiencias satisfactorias.
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2022.01.29 01:35 jenjen7543 ◾$5 just for signing up ◾no requirements ◾available immediately ◾cash out straight to your bank◾ or buy $5 Bitcoin and send instantly for free ◾no fee, and no minimum to send! USA ONLY

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2022.01.29 01:35 UziCoochie Best games under 1$ right now?

As the title says I’m kinda broke in the steam wallet and was wondering what’s a good cheap buy, any recommendations would be great thanks!
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2022.01.29 01:35 SnM_DjM53 Miss my pitt...he was the best!

Miss my pitt...he was the best! submitted by SnM_DjM53 to DogsAndPlants [link] [comments]


2022.01.29 01:35 momsdodo747 Fuck people

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2022.01.29 01:35 00_Punk_00 One of my Clearest Milky Way shots

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2022.01.29 01:35 NewRedSpyder What do I do if i can’t see the notifications on reddit?

I can see messages tab just fine, but when I click the little bell symbol, it just says “server error” and it’s only a thing for this account too, not my other ones. Updating reddit didn’t help either. Any ideas?
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2022.01.29 01:35 Jays_Pack The Corgi Invasion

The Corgi Invasion submitted by Jays_Pack to Eyebleach [link] [comments]


2022.01.29 01:35 Danwazz Anyone know who released or will release this hat?

Anyone know who released or will release this hat? submitted by Danwazz to neweracaps [link] [comments]


2022.01.29 01:35 CrispyRSMusic Wubba Lubba Dub Dub

Wubba Lubba Dub Dub submitted by CrispyRSMusic to ATBGE [link] [comments]


2022.01.29 01:35 FarmerKillz Double flex Friday

Double flex Friday submitted by FarmerKillz to SCX24 [link] [comments]


2022.01.29 01:35 Diamedes What is this subreddit for? (Picture for attention purposes

What is this subreddit for? (Picture for attention purposes submitted by Diamedes to teenagersbuthot [link] [comments]


2022.01.29 01:35 eli_zoee How about Keldon guys😮‍💨

Loved the way he played today. Had some clutch threes and played some great D on deebo at times. I be forgetting he’s only 22. He’s already exceeding my expectations this season with his shooting. With the game continuing to slow down for him, I feel like he could become so much better.
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2022.01.29 01:35 Nekros_prime_07 People reddit, What do you think is the most appropriate way of punishing someone who got away with their crimes even tho everyone knows they did it?

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2022.01.29 01:35 King_LBJ Brian Kelly trying to be a dawg

Brian Kelly trying to be a dawg submitted by King_LBJ to MSsEcReTPoDcAsT [link] [comments]


2022.01.29 01:35 Acceptable-Wafer-307 Nitrado server keeps disconnecting me (PC, Microsoft Store)

I don’t think it’s an internet issue, my internet isn’t the best but I do other online just fine, but when I join my friend’s Nitrado server I lag a lot and get disconnected eventually.
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