Rotarded1647545491

Nectar of the drunk angry Gods!

 

I had KBBA in kegs at the club for the first half of last summer. Awesome!

 

Greg, Brian, and anyone else who knows me, this sounds like a perfect excuse to grab a KBBA and catch up as soon as I recover from my surgery. Lets pick an eve in late Feb/early March!

When are you scheduled?

 

I'm supposed to call Dennis on Friday, after I get a release from my doctor (had surgery on Thursday). He told me I'd be scheduled sometime in the next couple of weeks.

A diamond encrusted turd is still a turd, at any price.

Just got the call from them to schedule a session. I'm in!

you dont know me..

 

You may not know me, but I'm the guy who called your weak ass play out!

 

chipotle is her favorite place to eat. lucky for me, thats where SHE wants to go. (im not complaining about saving money)

 

Actually you felt the need to brag about it

 

 

as far as delivering pizza's shove that shit all up in your ass buddy. im not stinking up my supra with grease and pepperoni's. the job isnt for everyone, not that i am attacking you personally, i'm sure you have fun doing it

 

You have no idea what, or with what frequency, things have been up my ass lately.I'm sure your supra is nice, but it's not the pepperoni and/or grease that stinks it up.

 

 

and as far as the card goes, she probably wont get one, cards are bullshit anyway, i'd rather drop money on flowers or some other cliche shit, or maybe show the girl i care about how i feel on a random day, not some fucking hallmark holiday. real talk.

 

1337 Talk:

 

It may be a hallmark holiday invented to get you to buy expensive gifts to show your "baby's momma" you care.... Hey fool, calling her "baby's momma" shows everyone how you much your care for her.

 

Real men know it's also the day when "showing your feelings" gets her to "do those things she wont do for you" any other day of the year.

 

 

 

This message brought to you by OXYCODONE!

im gonna buy my baby's mama some chipotle, then im gonna smang it.

 

if she plays her cards right, maybe i'll buy her a card too.

 

 

 

Words cannot express the true fail that you are.

 

Correction:

 

im too stupid to wrap my wiener, so i'm going to buy the chick that was drunk enough to let me fuck her, a cheap- ass fast food dinner. Then im gonna try and tap that again.

 

If I make enough delivering pizzas tonite, i'll buy her a card too.

I like the stance, and yes the 3xGross is a great laymans way to look at it. But- how can you stand on your soap box, then follow it up with

 

 

 

 

Your saying you'd put yourself in a 50% front end DTI scenario?! I see that as being doomed to fail. I could not even get something like that past underwriting unless you put 20% down and it was table funded!

 

I apologize, I was thinking of my own personal income (the 50%# i was referring to) without including my wife's income in as well (which is 2/3rds of mine in addition). 650mg of OXYCODONE every 4-6 hours will do that to you. Although we can live without want on the other 50%, which we did when when we were unemployed , not at the same time, for a total of 2.25 years within the last 5 years.

 

I'm saying mortgage payment period. You were correct in that you are not taking into account is the percentage down, which I always put a significant % down, and always having savings that well exceed the amount of the loan (actually the value of house).

 

This discussion has been predicated in the payment amount as a percentage of income, which is exactly the wrong way to look at it. What one really has to look at is how far they are LEVERAGED in the amount they owe on a house.

 

You shouldn't focus as whether you can afford to make the monthly payments should your income collapse, but if you are positioned to protect your investment, and way of life, when it happens.

 

 

My current situation: $40k down, $125k financed, Monthly payment <15% of monthly gross( nowhere NEAR $2k), House will be payed off in 17 years total (or 6.5 years from now) as I pay extra each month. Retirement and savings could pay off mortgage multiple times over after penalties and taxes.

 

Should I want to upgrade to a $300k+ house, I would not leverage myself by financing all of it, just enough to keep all the parameters in line with my current status.

Yeah... I have always "heard" 3 year gross income = Home Mortgage.

 

KillJoy

 

It's this line of thought that has placed us in the current housing mess. Banks and Builders have combined to fool the general public that someone making $30k a year can afford to finance a $200k house. I understand that the afore-mentioned numbers are on the extreme end and well out of the "3x" range, but it's the truth.

 

Over the last 20 years it's been apparent, especially in Muirfield, that a large majority of people are mortgaged to the eyeballs, and when thier income dips even a small amount due to the economy, for sale signs pop up like mushrooms after a spring rain. These mid-managers reach $200k a year and buy a $400k house only to lose it within 3 years.

 

My rule of thumb is that my mortgage payment will never exceed a two week gross paycheck, with a threshold of $2k a month, and/or for a total mortgage amount not to exceed 1/10th my total retirement savings, no matter what my current income level would be.

Brazed Pineapple

 

Please detail the preparation method.

 

 

BRAZED: soldered (two pieces of metal) together using a hard solder with a high melting point.

 

BRAISED: is cooked with "moist heat", typically in a covered pot with a small amount of liquid. From the French "braiser".

http://www.wallpapersphere.com/d/69283/-/pittsburgh-steelers-logo_1024_x_768.jpg

Mazda 323GTX

 

Mazda RX-3

 

or a REPU as Frenchy posted

FAIL

Start moving up the management chain. Write down all names and excuses you have been given. Eventually you will talk with someone who actually has authority. Light each person up, in a professional manner, until you reach the solution you want. It will work. Plus you can yell at people in the process.

Submitted info

Installed and working flawlessly in 20 mins flat! WOOT!!!!!!!

Make sure you get a wireless router that has wpa2 encryption. If its wpa or wep, kids like me can run a rainbow table and hack that shit in an hour.

 

Got a Linksys E2000

I am going to be couch-ridden for a week after my surgery. I have my work laptop so that I can answer e-mails and set-up things while I'm away. Here is my quandry:

 

I have WOW cable, via wired cable modem, for my home PC. I am purchasing a wireless router to be able to use my work laptop, and my future home laptop.

 

How do I set-up the hardware, software, and PC setting in order to be able to use both PC and laptop.

Let me see if I can get a better price for you, plus you won't have to buy in case lots.

I saw 2 episodes last night. Supressed Shotgun, and Master Key!

nothing will EVER top the originals

 

TROOF! Cartoons suck now. They are just 30 minute toy commercials.

Yup, I've always pay en extra hundred or two every months. Also try to refinance and drop it down to 15 years if you can afford.

 

Troof!

 

I just re-fied for 10 years at a lower rate. My payment went down $300 a month. We pay an extra $100 a month and we'll be done in a little over 7 years.

Yup, I got mine already. It doesn't depress me when I know I'll have my home paid off in 10 years, well before I'm 50...

 

7 years and counting!

 

Actually I want the hell out of this house. It's just the ball & chain and I. I really dont need a 4 bedroom house with a full basement. I NEED A BIGGER GARAGE!

12 month IRA

i have a question....

 

I have been offered a trade. MY Breitling navitimer world (black dial) for another guys same exact watch with a silver dial....

 

Which one do you like best?

 

You know why I'm partial to the black-faced one:

 

http://usera.ImageCave.com/Rotarded/navitimer_13.jpg