| Money Talk|| re: Any negative for having too many CCs open? - mglsu21 on 7/25/14 at 12:20 pm|
[quote]So all I do is sign up for credit karma with a username?[/quote]
[quote]No credit card needed on file?[/quote]
[quote]Is it REALLY free?[/quote]
But the score you get on Credit Karma will not be an accurate score with what lenders use. However you w...
| O-T Lounge|| re: NOLA Contractor, LSU Grad, Arrested in 2 Parishes - mglsu21 on 7/25/14 at 9:17 am|
1) Drugs have to be involved in some capacity.
Gambling addict [/quote]
I used to play poker with him back in the 2004-2006 time frame. Haven't seen him in that long, so no idea if he plays poker/gambles at all anymore.
Edit: Was not friends with him, just poker acquain...
| O-T Lounge|| re: Man videos confrontation with police who pulls him over . Running stop sign. - mglsu21 on 7/23/14 at 10:09 am|
[quote]Without knowing if the driver has a criminal history, this appears to be a case of the cop having little [b]PENIS[/b] syndrome. [/quote]
| Tiger Rant|| re: Mettenberger Sucker-punched in Nashville Bar - mglsu21 on 7/21/14 at 2:05 pm|
He just had too much Bama in him Pawwwwwllll...
| O-T Lounge|| re: Anyone want a kitten (gone) - mglsu21 on 7/21/14 at 12:47 pm|
My dog would do exactly to that cat as it did to the bird. Would be a small snack. Survival of the fittest, right?...
| Money Talk|| re: Car buying question for bad credit - mglsu21 on 7/14/14 at 12:04 am|
With the information you have posted, more than likely you will have to put at least 20% down and your interest rate will be 18%. And you will probably have a device installed on your car that will disable it from starting if you are late on your payment (even 1 day).
Or you can go to Auto Yes o...
| O-T Lounge|| re: returning a purchase from amazon - mglsu21 on 7/11/14 at 9:53 am|
Go initiate the return thru their chat function. I am a prime member with 2-day shipping and both times i've initiated the return thru chat they have sent me a replacement item via 1-day shipping. If I go thru the normal returns then the replacement is sent 2-day shipping. ...
| O-T Lounge|| re: Residential Garbage service in prairieville - mglsu21 on 7/3/14 at 1:18 pm|
They supply one 95-gallon trash can
Once per week pickup...
| O-T Lounge|| re: Julianne Hough ballroom dance workout - mglsu21 on 6/27/14 at 10:46 am|
Oh Sara Underwood...I was thinking Carrie Underwood! :lol:
Sara is quite hot, but Carrie is something else....
| O-T Lounge|| re: Julianne Hough ballroom dance workout - mglsu21 on 6/27/14 at 10:43 am|
[quote]Underwoods nude yoga [/quote]
| O-T Lounge|| re: Lawn Mower Recommendation - mglsu21 on 6/26/14 at 2:32 pm|
[quote]Husqvarna with front wheel drive and same motor for $329. [/quote]
I have this one. Bought it from Lowe's last year. Love it. Starts on 1st pull everytime and makes a nice even cut. Mulching kit on it is great. Self propelled is definitely worth the extra money....
| Money Talk|| re: best ways to build credit - mglsu21 on 6/26/14 at 9:59 am|
Apply online at Capital One for a regular non-secured credit card, preferably one without an annual fee. If you are declined, call them up and tell them you want the secured card. They will use the same credit pull and not have to pull another one and they will approve you for the secured card.
| O-T Lounge|| re: Post a pic of your dog - mglsu21 on 6/26/14 at 9:52 am|
[quote]Who's the douche down voting every post.[/quote]
I was just wondering the same thing *as he downvotes this post*...
| O-T Lounge|| re: Post a pic of your dog - mglsu21 on 6/26/14 at 9:46 am|
| O-T Lounge|| re: Carbon monoxide/explosive gas detector- anyone use this? - mglsu21 on 6/26/14 at 9:13 am|
My carbon monoxide detector was installed by my alarm company, and it is monitored along with my home alarm. The alarm does not have to be armed for them to get a CO alert. Mine is centrally located on the ceiling in the hallway. ...
| O-T Lounge|| re: Should I install a Nest thermostat? - mglsu21 on 6/26/14 at 9:09 am|
[quote]Is it worth the money? Anyone actually see some significant savings in their energy bill?[/quote]
I love my Nest. However I probably could've gotten by with any wifi enabled thermostat that has an app to control it. The learning feature does not work well for me since my wife and I have ...
| O-T Lounge|| re: Have you ever busted a shoplifter? - mglsu21 on 6/25/14 at 9:53 am|
I was real young in the 80s and we were in a Stage (actually before it was called Stage...Beall Ladymon or something?) and my sister saw someone placing clothes underneath the baby stroller. She told my mom who informed the manager. They busted him when he went to his car. He had over a thousand ...
| O-T Lounge|| re: You are only as sick as your secrets - mglsu21 on 6/19/14 at 8:27 am|
How do you only have 4668 posts? It seems like you start 50 new threads per day. I think I've seen you start 1 decent thread once, but I could be thinking of someone else....
| O-T Lounge|| re: DISTURBING: Woman Assaulted in Pensacola: Update - mglsu21 on 6/19/14 at 6:18 am|
[quote]He was wearing blue jean shorts.[/quote]
Wasn't that a given? ...
| Money Talk|| re: How much house can 140K/year salary buy with 4% 30yr? - mglsu21 on 6/18/14 at 2:21 pm|
[quote]Then you are either (1) comically overpaying for rent or (2) moving from a high-demand neighborhood to an extremely low-demand one. Buying becomes cheaper in the long run but not right away.[/quote]
Yes, I was definitely overpaying in rent. But that is Baton Rouge for you. I bought a hou...
| O-T Lounge|| re: New Video Of Bills Fan Falling From Upper Deck Leads To Conviction - mglsu21 on 6/18/14 at 1:18 pm|
[quote]if he would have fallen on my wife or kid they would not needa stretcher to haul his arse out of the stadium. [/quote]
At the time I would've assumed it was an accident, but after learning what really happened I would've killed him with my bare hands if he fell on any of my family members. ...
| O-T Lounge|| re: List your douchey things you see in public that shouldn't bother you but they do - mglsu21 on 6/17/14 at 2:51 pm|
[quote]how about doing anything excessively loud in general public?
talking, singing, loud pipes, loud motorcycle, etc
I fricking hate you[/quote]
| O-T Lounge|| re: List your douchey things you see in public that shouldn't bother you but they do - mglsu21 on 6/17/14 at 2:42 pm|
[quote]I see a few people who wrote "people who wear sunglasses while inside".
I get migraines from too much light (eye issues), so I sometimes wear my sunglasses if it's a super sunny room.
Don't judge me. [/quote]
1) Blind people
I'll put migraines in a sub-cate...
| Money Talk|| re: How much house can 140K/year salary buy with 4% 30yr? - mglsu21 on 6/17/14 at 2:17 pm|
[quote]Great idea. Pay someone else's mortgage and get zero return on your monthly rent payment on the possibility that stuff might break in the few years before you have kids.[/quote]
Especially while rates are still historically low and you are building more equity quickly. OP sounds like he i...
| O-T Lounge|| re: List your douchey things you see in public that shouldn't bother you but they do - mglsu21 on 6/17/14 at 2:06 pm|
[quote]WTF is a chubby? I don't want to google it for fear of finding my definition of a chubby.[/quote]
Holy hell I was about to ask this question also. I didn't want the corresponding dick pics that would come with a google search while trying to find out....
| O-T Lounge|| re: List your douchey things you see in public that shouldn't bother you but they do - mglsu21 on 6/17/14 at 1:08 pm|
[quote]2) People that wear sunglass indoors or at night. [/quote]
There are 2 types of people that wear sunglasses indoors:
1) blind people
| Money Talk|| re: How much house can 140K/year salary buy with 4% 30yr? - mglsu21 on 6/17/14 at 11:03 am|
[quote]I think the rule of thumb is you can afford 2.5x your annual salary.[/quote]
Very good rule of thumb with the rates low like they are now. If they ever go back 6% or higher then 2.5x will be too high....
| Money Talk|| re: Is this type of increase in homeowner's insurance common? - mglsu21 on 6/17/14 at 11:01 am|
I fear how large my increase will be in the near future. Had a new roof replaced with a hail damage claim less than 12 months into my first year of owning the home....
| Money Talk|| re: How much house can 140K/year salary buy with 4% 30yr? - mglsu21 on 6/17/14 at 10:55 am|
No problem at all.
Just to give you a reference, my income differs each year because I get paid on commission. Over the past 4 years, my PTI ranges between 11.6% and 16.6%. I made a point to buy a house that keeps me down in the comfortable range, even though my mortgage lender would've allowed...
| Money Talk|| re: How much house can 140K/year salary buy with 4% 30yr? - mglsu21 on 6/17/14 at 10:33 am|
Depends on what you are comfortable with. Payment to income ratio is sometimes allowed up to 29% with debt to income ratio up to 41%. Everybody on here (myself included) will say that is too high. I say 20% PTI max.
140k per year / 12 = $11,666 per month X 20% = $2,333 per month
You also ...