Cheers mate and happy birthday!:tiphat:

Time for bed. :hello:

The other day I checked my Best Buy credit card online the other day and noticed that the recurring payment I set up did not save. In fact, it did not even save the payment method :icon14: I made a manual payment and noted there was a $27 late fee :shakes head:

I called the bank this morning and the automated system asked if I was calling about the late fee. I said yes and the machine said it had good news and could credit the late fee. What an age we live in lol

We’ve had issues with auto draft payments since we moved into the new house. Took us three months of bills to finally get the electric bill paid correctly. Sometimes I think we try to over do technology.

So tomorrow is "Wear Your Helmet to Work Day!" Who is in?

Haha, I don't think it's wise for me to wear one into a government building.

I'd do it though.

sounds fun.


except i dont own a helmet.

I had issues with three different bills trying to switch over the bank account or do a name change on the account after the divorce.

My receiver and TV are supposed to be 'smart' and talk to each other and auto-change inputs and whatnot. As far as I can tell, they just argue with each other. It often auto switches incorrectly when I try to manually change inputs. It's so frustrating I plan to add at least three more HDMI cables in the wall to try as a workaround.

It's not that we overdo technology. The problem is everyone is so damn greedy and no one wants to do any development. Get your product to market as quick as possible so you get money as quick as possible. Who cares about the end user. And who cares about development since the next thing will be out before you can improve your existing garbage product.

I couldn’t find any good information on it other than what you listed. I would just be extra careful and read the fine print. I’m not sure what the second zero percent interest loan is for but it appears like a balloon payment on a lease. A non-amortized loan is like an ARM. Meaning that if you just pay the minimum payment each month then you aren’t doing anything other than paying the interest due on the loan and not paying down any principal. The difference is there is a set amount that you have to pay back before any of it goes to the principal. That would be the second loan total but I just don’t have enough information.

To answer your first question. The interest rate appears to be on par with a credit rating in the mid-600s. If you have a rating over 700 then it’s not that good.

:iagree:

Get one, you are going to need it anyway!:driving:

Today is a sad day...the Queen of Soul has died. I grew up listening to Aretha Franklin. I love her in the Blues Brother movies.

nahhh i'll just go to the track, make one pass in the low 10s, get told to leave, and smile :bowrofl:

im currently shopping for some wheel sealant. this heavy bitch just throws brake dust. first stop sign after i was the GTR they're coated. doesnt help the wheels are gloss black. :shakes head:

Damn. Didn’t see she passed. I’ll always remember jamming to her tunes in my parents Buick.

The second zero percent is for the down payment assistance the program offers. Essentially deferring that cost. We are over 700 but have $0 for down payment so we're SOL.

So I’m going to guess that the non-amortization is for them to recover the down payment assistance before you start paying down principal.

If you aren’t buying a brand new house, I highly recommend buying a home warranty. You can require it from the seller for the first year but you’ll be responsible after that. If you don’t have down payment money then I assume you wouldn’t have ‘replace the A/C’ money. At least with the warranty you’d be covered for a $100 deductible

Original FHA loan interest was 4.5% back in 2009. Two refinances and a restructured loan (no longer FHA) later and I'm sitting at 3.75% on a 30 year. Credit rating over 700 for the original loan. Over 800 rating for the latest rate. Nothing out of pocket for any of them - even managed to always roll any closing costs into the loan.

Be careful on that $hit. I had to have one due to FHA loan. But it was useless. Deductible is different for different equipment (A/C for example was way higher than $100 - I think it was $1000 IIRC). Heater went out first winter and they couldn't schedule someone for over a week. Neighbor recommended a guy who fixed it for me that night. Next summer A/C went out and it was days of hassle dealing with them and their service guys. Called up my neighbor's guy again - he had the part on his truck and fixed in an hour. YMMV.

3.75% is awesome. That’s what the rate was when we signed on the house. By the time they built it and we close, we had to close with 4.25%.

Makes sense. I don’t ever buy warranties. I prefer to invest that money and just be prepared to foot the bill myself. I just suggested it since they didn’t have down payment.

Our mortgage broker is a family friend. She said we'd never have to refinance when we bought at that rate. We've refinanced every five years since :icon17:

We were cash poor as well. So I decided to borrow at a low interest from the bank rather than the hassle of using the warranty company.

How the heck did you roll it into the mortgage loan? I'm not so sure we could make that happen now because the market is too hot. Point me in the right direction please lol.

On the original loan we made the seller pay closing fees. On the refi we just let the mortgage broker take care of it, so I'm not exactly sure. I'd be happy to provide you with her contact information.

That's been big news around here ( The Motor City ) her home town.
She's been gravely ill and in hospice for the last week or so.
She'll be missed very deeply, was very involved with music, with the inner city children.

Sounds like your tv & receiver need a divorce :bowrofl:

Sounds good, thanks!

love how someone in the world just hacked mike pence's website or made a phony site and its hilarious.......and i'm here at work thinking of "how drunk do i have to get to buy these little dancing groot earrings for giggles........"

This website may be the highlight of my day.

haha yea my sister sent me a text earlier about it and i've been laughing ever since.



on a sidenote: my pops said my little cousin got an interview at this place by where i live......i then get a text from that cousin saying he has to ask me something.


this fuckin kid is crazy if he thinks i'm gonna let him stay with me :roflpuke2:

There must surely be an alleyway somewhere nearby that could comfortably house a cardboard box? It'll build character!

It's not a hack. It's just a parody website. And it's been around for a year and a half. Always good for a laugh :tup:

Ugh...Some of us are at work!

And some of us just don't ever want to see such things!

And yet you still click on the spoiler when it says NSFW :p

BTW, HBD. Thats a great time for the mile! I think I can put my shoes on almost as fast...

Im fighting off falling asleep at my desk. Tasty lunch combo-ed from extreme soreness from yesterdays workout is making it really difficult though

Yeah, NOW i see the NSFW part..lol

Who is going to be the lucky one to put me over 900,000?

:icon17: