| O-T Lounge|| re: Can you help me understand PMI - foshizzle on 4/19/14 at 2:24 pm|
[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...
| O-T Lounge|| re: Lance Armstrong explains how to change a flat tire in strangely practical video - foshizzle on 4/19/14 at 5:59 am|
Nice vid actually.
Have to like the sign outside the bike shop "Put a little fun between your legs". :lol:...
| Tiger Rant|| re: In the last 10 football seasons, LSU has only lost 7 home games - foshizzle on 4/18/14 at 10:45 pm|
[quote]Boise doesn't count[/quote]...
| Money Talk|| re: Credit Report - foshizzle on 4/18/14 at 5:55 pm|
[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...
| O-T Lounge|| re: Louisiana traffic law and left turns question - foshizzle on 4/18/14 at 5:51 pm|
[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 ...
| O-T Lounge|| re: Louisiana traffic law and left turns question - foshizzle on 4/18/14 at 5:49 pm|
[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....
| Money Talk|| re: Making appointments for mortgages - foshizzle on 4/18/14 at 3:29 pm|
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 ...
| O-T Lounge|| re: Brother got a DUI - foshizzle on 4/18/14 at 3:24 pm|
[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...
| O-T Lounge|| re: Trying to stop drinking so much - foshizzle on 4/18/14 at 3:19 pm|
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....
| O-T Lounge|| re: Baton Rouge drivers... - foshizzle on 4/18/14 at 3:16 pm|
[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....
| O-T Lounge|| re: Why are ship captains still expected to go down with ship - foshizzle on 4/18/14 at 8:03 am|
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...
| Money Talk|| re: Robinhood Zero-Commission Stock Brokerage - foshizzle on 4/18/14 at 4:45 am|
[quote]Targets Millennials With Little Cash[/quote]
Not very many of those on this board....
| O-T Lounge|| re: OT Historians: Best life advice given by the OT? - foshizzle on 4/18/14 at 4:22 am|
The best medical and legal advice can be found here....
| Money Talk|| re: Any advantage to switching to state farm home insurance? - foshizzle on 4/17/14 at 10:30 pm|
[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...
| O-T Lounge|| re: What are the coolest clothes you own? - foshizzle on 4/17/14 at 9:44 pm|
My LSU jersey.
| O-T Lounge|| re: LSU admission with - 2.3 GPA & 19 ACT? - foshizzle on 4/17/14 at 4:46 pm|
[quote] I'm way more intelligent and smart [b]then [/b]what my grades show[/quote]
[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.
| O-T Lounge|| re: If you work in an office with a kitchen - foshizzle on 4/17/14 at 3:21 pm|
[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....
| O-T Lounge|| re: If you work in an office with a kitchen - foshizzle on 4/17/14 at 2:45 pm|
[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:...
| O-T Lounge|| re: If you work in an office with a kitchen - foshizzle on 4/17/14 at 2:42 pm|
[quote]you're too lazy to push "clear"?[/quote]
The person before me apparently is. :loser:...
| O-T Lounge|| If you work in an office with a kitchen - foshizzle on 4/17/14 at 2:21 pm|
... 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:...
| Money Talk|| re: Help with first Credit Card - foshizzle on 4/17/14 at 12:22 pm|
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...
| O-T Lounge|| re: What business phrases do you hear too often at work? - foshizzle on 4/17/14 at 7:04 am|
That action item doesn't add value. Let's leverage some other process....
| O-T Lounge|| re: Have you experienced sleep paralysis? - foshizzle on 4/17/14 at 6:36 am|
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....
| O-T Lounge|| re: Site to save "homemade" videos - foshizzle on 4/17/14 at 6:07 am|
Um ... put them on Dropbox? Google Docs? :dunno:...
| O-T Lounge|| re: Question for OT lawyers regarding speedy trial - foshizzle on 4/16/14 at 7:51 pm|
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 ...
| O-T Lounge|| re: Pot is bad for you - foshizzle on 4/16/14 at 7:37 pm|
Just checking to see how this thread is doing. 5 pages is a good start, carry on....
| Tiger Rant|| re: How is our offensive line looking next year? - foshizzle on 4/16/14 at 7:34 pm|
Big, fat, mean and scary....
| Money Talk|| re: Becker app is a game changer - foshizzle on 4/16/14 at 7:34 pm|
Good to know....
| Tiger Rant|| re: McNeese vs LSU 2015??? - foshizzle on 4/16/14 at 7:03 pm|
[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....
| O-T Lounge|| re: Made the switch, now what are some apps to get? - foshizzle on 4/16/14 at 7:01 pm|
Ask Samsung Voice "do you like anal sex?" The answer will surprise you....