May 2015

Math works, kids – or, why I love Excel – or, does adding principal really shorten your loan that much

Posted on May 6, 2015 by Shadowtwin — No Comments ↓

Update 01/08/2021 A quick update to this post I sent to the internets almost 6 years ago… My prediction on the first home was just about right. I got it paid off in August of 2019 after requesting a payoff amount from the bank. So that one was free 13 years ahead of schedule, just like math said it would be. On the new house, one thing I had not anticipated was the natural increase in my monthly payment due to property tax and insurance premiums going up. Both make perfect sense, because the house has doubled in value (on paper) since I purchased it. That is quite literal. The value it shows now on major real estate websites is about $218,000. When we purchased it, that price was right at $100,000. So the monthly payment was increasing each year as escrow had to account for these things to pay Continue reading Math works, kids – or, why I love Excel – or, does adding principal really shorten your loan that much→

Metallica - One

Citing Metallica's song 'One' as 'music lost to history' probably doesn't make much sense to most. In this case, I don't think the song is lost to history, but the video is.

When this video dropped (I'd guess it was about 1989) I thought it was the most powerful video I had ever seen. Now, nearly thirty years later, I still believe it is the most powerful music video ever made.

The story may not be completely unique (the imagery is recycled -but from a film that was so old that my -then fifteen or sixteen year old- eyes had never seen. My now forty-five-ish year old eyes had never seen it either) but that video is shot and edited so well that you will be crying by the end. If, that is, you have a heart.

The video for Metallica's One surpassed all expectations for music videos, set the mark for what music videos would, could, and should be. It rocketed the group from garage band to the biggest group that ever lived. This single video defines not just that band, but the entire genre.

No other video has ever had such an impact on on the world of music. Not Michael Jackson's 'Thriller' video (which I believe to this day gets far too much credit) not The Beastie Boys song Sabotage which was a wonderful throwback to the seventies era cop show, but which I believe, also gets credit far beyond it's worth. Metallica's video for One, on the other hand, didn't try to look like anything more than it was. It was a hard-rocking song and Metallica used some masterful movie clips to add to the morose feel that the instruments generated. That video, for that song, was absolutely perfect.

It is without any form of doubt that I say the video for Metallica's song One was, and ever will be, the best video ever made. Don't take my word for it though, watch the video above (with low light and in a dark room) . If it doesn't move your heart, you're living this life all wrong.

July 2017

Cancer: 6/22-7/22
For 34 years you have been painstakingly removing a single hair from the head of each of woman you murder -with plans to weave them into a belt. A mishap involving a a candle-warmer, a vacuum cleaner, and the police breaking down the door to take you 'dead or alive' will bring your collecting days to an unfortunate end.

Leo: 7/23-8/22
Your plan to rook your boyfriend into marrying you by faking a pregnancy will fail this week. There are several reasons why this plan will fail: 1) you have denied him sex for your entire relationship, promising him that flower on the honeymoon. 2) You actually are pregnant. 3) You've been wearing a T-shirt that says 'Gold Digger' on it since the day you met him. 4) The single strand of hair that the Cancer (horoscope above) pulls from your head will be the one and only time he leaves his own DNA at the crime scene.

Virgo: 8/23-9/22
Okay, maybe the stars have been a bit harsh. They know you are a good guy, but you've made a lot of mistakes. The stars are willing to meet at Gina's Coffee Shop on July 12th at noon. If you aren't there, you may as well write off visitation of your kids.

Libra: 9/23-10/22
98% That is the specific number you will give your wife before you jump out of the plane. That optimistic chance of survival will slowly fade as you realize that gravity doesn't care a great deal if you have your arms out or not: Terminal velocity is terminal velocity. Your attempt to recreate the famous scene from the movie Point Break will end just as it should have in the movie: A horrible mass of flesh and bone several miles away from the guy who actually did have the parachute.

Scorpio: 10/23-11/21
The stars have a huge "to do" list. As such, your childhood wish to have sex with Anna Nichole Smith will finally come true this week. No, there's no way to stop it. The stars do apologize for the lateness of the fulfillment of this request, but they think your friends will count it anyway.

Sagitarius: 11/22-12/21
You've seen the movie The Number 23 exactly twenty-two times. You've built your life around avoiding that number. You''ll feel supremely confident when you leave your house on 07/12/2017. But, on 07/12/2017, you will step onto the sidewalk only to be struck and killed by a drunk driver. The time of impact? Exactly 11:01:00am on 07/12/2017. You will have exactly enough time to add up the digits of the date AND time: 1+1+0+1+0+0+0+7+1+2+2+0+1+7=23. Your realization that any date, time, or irrelevant number can be made to equal 23 will be moot.

Capricorn: 12/22-1/19
The stars have been watching you. And your daughter. Oh my, how we have been watching your daughter... Blah, blah, something about a star rising in Orion, blah, blah. The stars will definitely offer you better guidance once that daughter is of legal age.

Aquarius: 1/20-2/18
Every man wants to die a hero. That's human nature. But you have obsessed about it. When little Johnny accidentally starts a fire in his trash can this week, you should calmly walk out of the house with everyone else. If you happen to stand in Johnny's room screaming "take me, I'm the one you want!" That action may be ill-perceived by the police. The firefighters aren't even going to respond; the trash can fire burned itself out without even melting the plastic of the can.

Pisces: 2/19-3/20
Billy-Ray has been wearing that mullet for thirty damn years, so you figured yours would be fine, too. You'll soon realize that Billy-ray can rock that hairdo because he doesn't have to get it near the shake machine at Dairy Queen. You, on the other hand, have to get those lovely locks right up in there. Or, your now-naked scalp did.

Aries: 3/21-4/19
While the police report will read "failed attempt to jump the Grand Canyon", and the coroner's report will read "severe blunt-force trauma", everyone who knows you will know that they should have read "Eh, I think I can make it."

Taurus: 4/20-5/20
Rape. It's a big, scary word. It will also be the most appropriate word for what the biggest guy in jail is about to do to you. Please confer with a Cancer for advice on how to handle it.

Gemini: 5/21-6/21
Yeah, your Lyft driver is also carrying a knife. Unwanted advances will also result in removal of the penis. Keep it in your pants. Unless, of course, the Uber driver already handed it to you. In that case you can wave that thing around like a flag. You're probably not going to get a ride, but you are going to be one in a very exclusive group of men who can 'wave it around like a flag'.