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Posts By ItNeverRains
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O-T Lounge
re: girl in one of my classes wants my notes - ItNeverRains
It's called free dinner and a BJ. Kids are so socially inept these days. ...


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Political Talk
re: 7 Shocking Quotes From Planned Parenthood Founder Margaret Sanger - ItNeverRains
[quote]quote: Why you would defend that piece of filth is beyond me. how am I defending her? All i said is she was against abortion. [/quote] I mean hasn't this shtick gotten old. Throw that fricking playbook away and get some new material. DU is getting lazy...


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Money Talk
re: Fed funds futures now point to best chance of rate hike in October (was Sep) - ItNeverRains
Rates have been on a steady decline since 1981. I don't see a world with rates out of the 5% range ever again. ...


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Political Talk
re: After 4 tries Alabama auto workers tell the UAW to take a hike - ItNeverRains
[quote]If they want less pay and benefits its their right to seek less pay and benefits. A bit unfair that you'd expect everyone else to do the same, though. [/quote] Tuba is so progressive he thinks it's still 1940. ...


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Money Talk
re: Building a new house. - ItNeverRains
go to your local bank and have a loan officer get you preapproved. That way you know what you can build and you can let potential builders know what you can afford to build. When you've done that come back for step 2....


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Money Talk
re: Home Mortgage Questions - ItNeverRains
[quote]Home Mortgage Questions quote: 1-2 max % of loan amount Id guess. So assuming 400k loan financed over 30 years at 3.75% about $18-$30 a month Or also stated as $4000-8000 for the same loan. Thanks for the heads up. I guess I will plan on spending a few hours calling around and finding the...


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Money Talk
re: Home Mortgage Questions - ItNeverRains
[quote]Home Mortgage Questions Money that is not Out of Pocket still counts as real money to me. Do you have a feel for what percent spread, percent of loan, or flat fee is typical? [/quote] 1-2 max % of loan amount Id guess. So assuming 400k loan financed over 30 years at 3.75% about $18-$30 ...


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Tiger Rant
re: Jones and timeouts - ItNeverRains
[quote]Some say it's his "coaching style" and he wants them to learn from their mistakes. Well obviously that doesn't work and it is time to learn a new coaching style [/quote] Phil Jackson is the same way. Except he had teams with Jordan, Pippen, Shaquille, Kobe, etc... With 19 year old ki...


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Tiger Rant
re: Basketball: LSU 70, Florida 63 | Final | TIGERS WIN!!!!! - ItNeverRains
That was awesome...


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Money Talk
re: Home Mortgage Questions - ItNeverRains
Doesn't cost you anything out of pocket . They'll make $ by spread, fees, or % of loan package. That $ will be financed into loan somewhere between 2-4% over 3-30 years. ...


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O-T Lounge
re: Possibly relocating....Rank these cities. - ItNeverRains
Move to Franklin, Nashville is our play toy ??...


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Political Talk
re: Mark Cuban Says Net Neutrality Will "F*ck Everything Up" - ItNeverRains
[quote]Seriously, do you think more than 1 step ahead?[/quote] I'm amazed at the foresight liberals have when it comes to emotionally charged social issues based on pseudo science and feelings. But with financial issues, especially involving government interaction of an industry, the foresight co...


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O-T Lounge
re: What temperature is it where you live? - ItNeverRains
21 & Snowing...


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O-T Lounge
re: Crazy teens climb sky scraper in hong kong - ItNeverRains
[quote]Get ready for some sweaty palms [/quote] My palms are like water :lol:...


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Money Talk
re: Home Mortgage Questions - ItNeverRains
Think it might be 1/8. Haven't had a client use it yet. Most qualify conv. and if they don't have 20% just finance PMI into loan. Edit - to clarify I have a lender who offers this, I'm an agent...


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Money Talk
re: Home Mortgage Questions - ItNeverRains
[quote] If you can pay 20 percent down, you can avoid PMI, so I would try to do that if you can. [/quote] You can actually avoid PMI with less depending on lender. I've got one with an 85/15 no PMI. And that's on conventional loans. On FHA there is no avoiding PMI, even with 90% down but it did ...


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Political Talk
re: CNN says right wing bigger threat than ISIS - ItNeverRains
[quote]I am more likely to be killed by an American than by ISIS. What's the problem with this? [/quote] Are you more likely to be unlawfully killed by a democrat or a republican?...


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Political Talk
re: CNN says right wing bigger threat than ISIS - ItNeverRains
[quote]edit: and I would agree with the DHS. ISIS is not really a huge threat to the US homeland. It's a massive threat to our allies and therefore to our foreign policy interests, of course.[/quote] And therefore to our men and women in uniform who are American. The right wing is mainly a b...


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Political Talk
re: Wisconsin to skip debt payments to make up for Walker tax cuts. - ItNeverRains
[quote]this is probably being ginned up by Rand Paul[/quote] This is definitely being ginned up by a partisan hack...


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O-T Lounge
re: Louisiana Lovers, Speak Up! Dang! - ItNeverRains
Love the food. Wish Incould see more games at Tiger Stadium and family a little more. With that said, North La is pretty much every scene from Footloose. South La smells, roads are garbage (infrastructure as a whole really), and topography is awful...


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Posts By ItNeverRains