| O-T Lounge|| re: girl in one of my classes wants my notes - ItNeverRains on 2/25/15 at 3:56 pm|
It's called free dinner and a BJ. Kids are so socially inept these days. ...
| Political Talk|| re: 7 Shocking Quotes From Planned Parenthood Founder Margaret Sanger - ItNeverRains on 2/25/15 at 6:10 am|
[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...
| Money Talk|| re: Fed funds futures now point to best chance of rate hike in October (was Sep) - ItNeverRains on 2/25/15 at 6:05 am|
Rates have been on a steady decline since 1981. I don't see a world with rates out of the 5% range ever again. ...
| Political Talk|| re: After 4 tries Alabama auto workers tell the UAW to take a hike - ItNeverRains on 2/23/15 at 6:29 am|
[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. ...
| Money Talk|| re: Building a new house. - ItNeverRains on 2/23/15 at 6:08 am|
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....
| Money Talk|| re: Home Mortgage Questions - ItNeverRains on 2/22/15 at 4:47 am|
[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...
| Money Talk|| re: Home Mortgage Questions - ItNeverRains on 2/21/15 at 4:40 pm|
[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?
1-2 max % of loan amount Id guess. So assuming 400k loan financed over 30 years at 3.75% about $18-$30 ...
| Tiger Rant|| re: Jones and timeouts - ItNeverRains on 2/21/15 at 12:51 pm|
[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...
| Tiger Rant|| re: Basketball: LSU 70, Florida 63 | Final | TIGERS WIN!!!!! - ItNeverRains on 2/21/15 at 12:47 pm|
That was awesome...
| Money Talk|| re: Home Mortgage Questions - ItNeverRains on 2/21/15 at 11:18 am|
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. ...
| O-T Lounge|| re: Possibly relocating....Rank these cities. - ItNeverRains on 2/21/15 at 10:32 am|
Move to Franklin, Nashville is our play toy ??...
| Political Talk|| re: Mark Cuban Says Net Neutrality Will "F*ck Everything Up" - ItNeverRains on 2/21/15 at 9:19 am|
[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...
| O-T Lounge|| re: What temperature is it where you live? - ItNeverRains on 2/20/15 at 5:36 pm|
21 & Snowing...
| O-T Lounge|| re: Crazy teens climb sky scraper in hong kong - ItNeverRains on 2/20/15 at 4:39 pm|
[quote]Get ready for some sweaty palms [/quote]
My palms are like water :lol:...
| Money Talk|| re: Home Mortgage Questions - ItNeverRains on 2/20/15 at 4:18 pm|
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...
| Money Talk|| re: Home Mortgage Questions - ItNeverRains on 2/20/15 at 2:37 pm|
[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 ...
| Political Talk|| re: CNN says right wing bigger threat than ISIS - ItNeverRains on 2/20/15 at 1:57 pm|
[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?...
| Political Talk|| re: CNN says right wing bigger threat than ISIS - ItNeverRains on 2/20/15 at 1:56 pm|
[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...
| Political Talk|| re: Wisconsin to skip debt payments to make up for Walker tax cuts. - ItNeverRains on 2/20/15 at 1:46 pm|
[quote]this is probably being ginned up by Rand Paul[/quote]
This is definitely being ginned up by a partisan hack...
| O-T Lounge|| re: Louisiana Lovers, Speak Up! Dang! - ItNeverRains on 2/20/15 at 12:20 pm|
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...