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Money Talk
re: Fix the car or get a new one - man117
Your issues don't sound like the car is falling apart.It would be hard for me to drop the cash only to gain 50k miles. I'm in a similar situation with a 21 month old. It depends on the car. My car runs like a top (2nd owner 99 lexus with 218k) while my wife's car probably has 1-1.5 years left in it ...


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Money Talk
re: Financing a house as a 1099 (self-employed) - man117
I left my W-2 job in the middle of the year almost 2 years ago. I wanted to do 20% conventional. Chase originally told me I would have to wait 2.5 years for a loan from them because the W2's needed to be full years of self employment. I thought that was bull, so I checked around. I knew someone a...


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Money Talk
re: Do not count on a new house holding it's value and saving you money - man117
[quote]Don't work for your house---or your car either for that matter. [/quote] How am I supposed to get those things then? Do houses and cars make themselves? Does corn plant and pick itself? Does silicon just form computer chips on their own? I get that you're saying not to dedicate your life ...


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Money Talk
re: Do not count on a new house holding it's value and saving you money - man117
[quote]sleeps a lot better when the boss starts cutting the budget at work[/quote] I'll actually sleep better because I'll have that extra 20k (20% as opposed to 30%) you wanted me to put down on a 200k house as opposed to it all being tied into the house. I could pay my inflated mortgage for 20 ...


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Money Talk
re: Do not count on a new house holding it's value and saving you money - man117
[quote]This is not rocket science. Let's just assume a house keeps it value for 15 years. Let's look at the choice two very disciplined home buyers make on a $200,000 home. Both have the cash to put down $60000--30%. A--takes the leveraged route and puts down 10% ($20000) and invests the $4000...


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Tiger Rant
re: New Look Helmets - man117
It's not terrible or anything, but I very much prefer the old one. It just looks more aggressive and rough. The new one is too smooth and symmetrical. I believe Tounces was an extreme attempt at softening the logo so more women would buy gear. I'm 29 by the way. ...


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Money Talk
re: Looking to buy a lot tomorrow need advice! - man117
Thanks Newbie. I'll call my mortgage guy 1st thing in the morning. I think he does title's in house. I'll check some other places as well....


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Money Talk
re: Looking to buy a lot tomorrow need advice! - man117
[quote]Wat[/quote] I'm not sure what the "wat" is for. I'm going to talk to my mortgage guy tomorrow to get his input. I've been researching the home buying process but not land. I didn't think I could afford a lot where I plan to build and this popped up so I'm getting it. I'm just asking for so...


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Money Talk
Looking to buy a lot tomorrow need advice! - man117
So I just found residential lot that I intend to purchase tomorrow cash from an individual. He said that he'll contact a guy that he uses to sell land tomorrow and let me know when they are ready. This is my first time doing this. What is the usual process? A lawyer writes up a contract, I hand over...


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More Sports Board
re: The 2014 Formula One racecars have been neutered - man117
[img]http://8000vueltas.com/wp-content/uploads/2013/11/Motor-turbo-de-F1-BMW-M12-13.jpg[/img][quote]They're getting 600 hp from a 1.6L engine? That is pretty impressive[/quote] I could get 600hp out of a 1.8L Honda motor with a big enough turbo, although I wouldn't achieve the fuel efficiency, re...


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Money Talk
re: Is this a good mortgage rate? - man117
[quote]So one more question. Are these closing cost too high? Should I try to negotiate when I find something I like? 4.125 rate (no lock) 1% origination fee $895 underwriting $475 appraisal $425 closing/escrow fee $250 document prep $250 notary fee $1000 (estimate) $350 mortgage record...


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Money Talk
re: Is this a good mortgage rate? - man117
So one more question. Are these closing cost too high? Should I try to negotiate when I find something I like? 4.125 rate (no lock) 1% origination fee $895 underwriting $475 appraisal [b]$425 closing/escrow fee $250 document prep $250 notary fee $1000 (estimate[/b]) $350 mortgage record...


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Money Talk
re: Is this a good mortgage rate? - man117
[quote]find your nearest whitney bank i am biased because i work for them but with $800 in lender cost and the fact that we dont get paid off interest rates its hard to beat. [/quote] Called the local branch after you suggested them. They just called back and offered 5.5% :rotflmao: I think ...


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Money Talk
re: Is this a good mortgage rate? - man117
Just went talk to the guy offering 4.125%. Seemed pretty knowledgeable and more genuine than others offering higher rates. Closing cost look to be around 3.2% on a 160 balance.One person offered 5% apr :banghead:....


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Money Talk
re: Is this a good mortgage rate? - man117
[quote]My score is lower than yours and I got 4.25 last month with GMFS. [b]You need to shop around.[/b] [/quote] Yes I do. Got quoted 4.125 this morning from a local place. :cheers:...


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Money Talk
re: Is this a good mortgage rate? - man117
[quote]I got a 4.3% rate on a 30 year last week with similar credit. We also put 20% down. I believe the rate for a 15 year was 3.5%[/quote] What lender?...


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Money Talk
re: Is this a good mortgage rate? - man117
[quote] From my understanding, mortgage loan shopping within a small time are treated as one pull. They know what you are trying to do and don't penalize you for it.[/quote] Read something that said 14 day period. I'll keep looking though....


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Money Talk
re: Is this a good mortgage rate? - man117
Lafourche maybe Terrebonne....


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Money Talk
re: Is this a good mortgage rate? - man117
[quote] 15 years or 30? [/quote] I'm sorry, 30 year....


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Money Talk
Is this a good mortgage rate? - man117
So I finally went to Chase and got qualified for my 1st home loan. Had to wait to get 1.5 years of self employment tax returns. I got offered 4.5% for a 30 year. Looking to purchase in the 150-200k range. 773 middle score (what they're using), 801 high score I have 20% down. Should I keep look...


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LSU Recruiting Board
re: Dak Prescott and LSU... An obvious miss? - man117
Not a miss. It's Rice man. He's still more of a runner than a thrower. He would not look like this at LSU because he wouldn't have any reps yet. I'll take the qbs we have. You can have Mullen's offense, I'll take cam's....


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Tiger Rant
re: Anyone else not a fan of the tiger eye on our BBall jerseys? - man117
[quote]In comparison with last year's uniforms that looked like they were bought at Albertson's, this season is a vast improvement. However, a design on the backs of the jerseys aren't unique to LSU. Essentially every big name Nike school has some sort of design. Also, we could have some of the abso...


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Tiger Rant
re: Anyone else not a fan of the tiger eye on our BBall jerseys? - man117
Nope, glad that they finally got the "watermark" and the new court....


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More Sports Board
re: Charlotte Hornets unveil new logos - man117
Mike is so slick, they put air jordan 11's on the alternate logo :bow:...


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Fantasy Sports Board
re: Official: Jamaal Charles knocked me out of the Playoffs Thread - man117
in...


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Fantasy Sports Board
re: Stacy hurt - He Back - man117
and I'm playing against jamal charles :banghead:...


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More Sports Board
re: Which college players made bad choices that cost them big bucks in the nfl - man117
[quote]There is really no way to tell for sure, but I seriously doubt it. NFL teams don't just look at last season and draft. They are a tad more thorough. [/quote] Barkley's senior season was worse stats wise but he also separated his throwing shoulder. Staying in school most definitely cost hi...


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Fantasy Sports Board
re: To the people who convinced me to start vereen - man117
Bill is unpredictable......


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Fantasy Sports Board
re: How does everybody feel about Roddy White this week? - man117
[quote]I've started him the last two weeks and he's done well, so I'm starting him again if he's playing. Especially against the redskins. [/quote] Is this knee injury new though?...


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Fantasy Sports Board
re: How does everybody feel about Roddy White this week? - man117
Wondering about him also. Have him plugged in at wr2 over torrey smith at the moment. Smith killed me only getting 5 of the 50 targets last week. I don't trust Flacco but it's hard to trust roddy when he has burned me every time I have played him this year....


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