Originally Posted by JARblue (Post 3779190)

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.

Originally Posted by jwick (Post 3779192)

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%.

Originally Posted by jwick (Post 3779194)

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.

Originally Posted by JARblue (Post 3779187)

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.

Originally Posted by Pintsize725 (Post 3779202)

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.

Originally Posted by Hotrodz (Post 3779178)

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.

Originally Posted by JARblue (Post 3779171)

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.

Originally Posted by JARblue (Post 3779203)

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.

Originally Posted by FPenvy (Post 3779229)

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........"

Originally Posted by JLarson (Post 3779236)

This website may be the highlight of my day.

Originally Posted by FPenvy (Post 3779237)

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:

Originally Posted by FPenvy (Post 3779229)

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........"

Originally Posted by Pintsize725 (Post 3779151)

:usa:

Originally Posted by bunk (Post 3779248)

Ugh...Some of us are at work!