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Guy on the train this morning, at 5:20, playing a handheld radio, blaring music out loud

 
Chatting to his friend saying he doesn't care that his music is loud because this isn't a hotel and people shouldn't be sleeping on the train

 
This will be me leaving the office today...

snp2nRi.gif


 
Bahahaha I actually was looking for that gif a while back to show it to a friend of mine...found it again randomly this morning

 
Wasn't thinking about it but got a call from my bank with "deals" right now and actually sounds fairly reasonable

 
Just want to make sure I'm not missing something entirely and will get screwed

 
Not sure if it's an actual refinance...but it will lower my interest rate

 
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