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O-T Lounge
re: Can you help me understand PMI - foshizzle
[quote]IMO never pay interest on money if you don't have to.[/quote] If the rate is less than inflation you should borrow as much as possible for as long as possible. That's why bamalover didn't want to put down 20% - his rate was 3.75%, and after taxes that's under 3%. He did exactly the right t...


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O-T Lounge
re: Lance Armstrong explains how to change a flat tire in strangely practical video - foshizzle
Nice vid actually. Have to like the sign outside the bike shop "Put a little fun between your legs". :lol:...


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Tiger Rant
re: In the last 10 football seasons, LSU has only lost 7 home games - foshizzle
[quote]Boise doesn't count[/quote]...


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Money Talk
re: Credit Report - foshizzle
[quote]Anyone ideas on other ways to improve credit over the next 1-3 years?[/quote] She needs to start paying her bills on time. I mean that quite seriously, because if she doesn't then when you [quote]open the card under my name and then have her on the acct as well[/quote] your credit wi...


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O-T Lounge
re: Louisiana traffic law and left turns question - foshizzle
[quote]So a person turning left has to of course check to see if someone behind them is going to pass them on the left and if so STOP?[/quote] If you want to be safe, absolutely you have to check. I don't know if that's what the law reads, but you should never simply assume that the other guy ...


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O-T Lounge
re: Louisiana traffic law and left turns question - foshizzle
[quote]the driver of an overtaken vehicle shall give way to the right in favor of the overtaking vehicle[/quote] This is why it is illegal to drag arse in the left lane regardless of whether you're doing the speed limit....


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Money Talk
re: Making appointments for mortgages - foshizzle
A quick tip - if you qualify for a 30 year loan at 4.25% or so, don't try to get a shorter duration note for a lower rate and a higher monthly note. Once you include the impact of the tax deduction on interest your interest rate is about that of inflation - you don't want to pay extra each month ...


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O-T Lounge
re: Brother got a DUI - foshizzle
[quote]Yall act like you've never made mistakes in your lives. Damn.[/quote] Actually, I have never been charged with a DUI. Never even had a cop ask if I'd had anything to drink for that matter. And I've been driving for 30 years. Why? Because I never made the mistake of drinking and driving, th...


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O-T Lounge
re: Trying to stop drinking so much - foshizzle
Why bother? Drink all the coffee you want, the consensus these days is that caffeine is basically harmless. So long as it is black coffee - if you take cream and sugar you will be a fatass in no time....


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O-T Lounge
re: Baton Rouge drivers... - foshizzle
[quote]being 6' closer to that red light is going to magically make you teleport to your destination quicker?[/quote] Usually it doesn't but occasionally it does if it gets you ahead of a slow mouthbreather. Worth it IMO....


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O-T Lounge
re: Why are ship captains still expected to go down with ship - foshizzle
Ship captains are not literally expected to go down with the ship and never have been. But they are expected to have the final responsibility of ensuring everyone is accounted for. This is also true for airline pilots, btw. For example, Sullenberger reentered his plane as it was sinking in the Hu...


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Money Talk
re: Robinhood Zero-Commission Stock Brokerage - foshizzle
[quote]Targets Millennials With Little Cash[/quote] Not very many of those on this board....


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O-T Lounge
re: OT Historians: Best life advice given by the OT? - foshizzle
The best medical and legal advice can be found here....


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Money Talk
re: Any advantage to switching to state farm home insurance? - foshizzle
[quote]State Farm can come in with some aggressive pricing if you have a good record. However they will probably go up on you in the near future and will drop you after an accident. [/quote] State Farm hasn't dropped me in 30 years so far. Two accidents. Of course, it helped that in neither ca...


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O-T Lounge
re: What are the coolest clothes you own? - foshizzle
My LSU jersey. \thread...


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O-T Lounge
re: LSU admission with - 2.3 GPA & 19 ACT? - foshizzle
[quote] I'm way more intelligent and smart [b]then [/b]what my grades show[/quote] than Also ... [quote][b]I'an[/b] African American - I'm if I was to be admitted - if I were to be admitted apart - a part there are others. Probably not getting into LSU. [/quote]...


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O-T Lounge
re: If you work in an office with a kitchen - foshizzle
[quote]Rank non-microwave-time-clearers relative to non-stairway-one-floor-takers on the foshizzle office shite list. [/quote] Probably the latter are worse. But they're both lazy mouthbreathers. And yes, they grind my gears....


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O-T Lounge
re: If you work in an office with a kitchen - foshizzle
[quote]shut the frick up about clearing the timer.[/quote] Oh, so you're "that guy" who can't be bothered to leave the microwave like he found it. :moon: :loser:...


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O-T Lounge
re: If you work in an office with a kitchen - foshizzle
[quote]you're too lazy to push "clear"?[/quote] The person before me apparently is. :loser:...


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O-T Lounge
If you work in an office with a kitchen - foshizzle
... and you use a microwave, clear the timer when you're done. Don't be "that guy" and make the next person do it instead, that's like taking the last bit of coffee without making a new batch. :angry: :spank:...


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Money Talk
re: Help with first Credit Card - foshizzle
If you have never had a credit card before the terms will not be all that great since you don't have a history, I wouldn't count on a low interest rate at all. If you didn't already know, so long as you pay the entire balance by the due date the interest rate won't matter b/c you don't pay intere...


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O-T Lounge
re: What business phrases do you hear too often at work? - foshizzle
That action item doesn't add value. Let's leverage some other process....


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O-T Lounge
re: Have you experienced sleep paralysis? - foshizzle
Yep, once a year or so. I come out of a dream and I'm convinced someone is in the room next to me who shouldn't be there, but somehow I can't move. By the time I can I've come to my senses....


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O-T Lounge
re: Site to save "homemade" videos - foshizzle
Um ... put them on Dropbox? Google Docs? :dunno:...


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O-T Lounge
re: Question for OT lawyers regarding speedy trial - foshizzle
1. See an attorney. 2. Failure of the DA to file within 90 days means you don't have an obligation to post bond if the DA can't provide a good reason why. Nothing more than that. But you need to file a motion demanding the DA provide a reason (he will, btw) and it doesn't mean you can't be pursued ...


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O-T Lounge
re: Pot is bad for you - foshizzle
Just checking to see how this thread is doing. 5 pages is a good start, carry on....


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Tiger Rant
re: How is our offensive line looking next year? - foshizzle
Big, fat, mean and scary....


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Money Talk
re: Becker app is a game changer - foshizzle
Good to know....


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Tiger Rant
re: McNeese vs LSU 2015??? - foshizzle
[quote]Home and away?[/quote] :lol: Yeah, right. ETA: But it's a good game for a rent-a-win. Some of the LSU players grew up in the LC area and everyone will have fun....


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O-T Lounge
re: Made the switch, now what are some apps to get? - foshizzle
Ask Samsung Voice "do you like anal sex?" The answer will surprise you....


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