I love fries. But my stomach protests after I have McDonald’s fries…

I think Wendy's has the best fries, but they got to be fresh, or they're not as good.:p

Youngest stepson in Bloomfield NM has a small ranch. He's raising cows. They name one cow "Dinner". When we was there. I asked what's for dinner? His wife said "we're have dinner for dinner. It took a few minutes for it to sink in. We were eating the cow named "Dinner" for dinner. :rofl2:

Our dog Mia loves french fries. But they have to be hot.

Omg. Lol

Perhaps a MK4 Supra? A REAL Supra :iagree:

Checkers/Rally's fries

:icon17:

https://www.cnn.com/2023/07/13/healt...use/index.html

"WHO declares widely used sweetener aspartame a possible cancer cause, but intake guidelines stay the same."

It took this long for them to figure this out? Welp, there goes Coke Zero and Red Bull Zero for me.

All this talk about sodium and good and bad, damn, that has been my life since I was 27. (this has been 43 years now)
Been fighting it every since, Probably only used a salt shaker dozen times since then.
read and watch and try to be good, but there are bad days. And trying to keep fit too. All this is a bitch, but I have been successful, BP is normal (because I got my mouth fix, hated going to the dentist) still watch the sodium, rarely drink pop (coke and jack you have to have coke). Exercise, morning person, a 5k now is normal for me.

So life is good for as long as life will last :)
:happydance:

Everything is bad for you, just not all of it has been found out yet.
TOO MUCH DAMN DATA..... :eek:

My first stick-shift was a 1976 Chevy Monza 262 V8, had to call my dad to come and jump me to get going, I ran out of battery from not knowing what I was doing... :rofl2::rofl2::rofl2:

Everything is about moderation, but also about goals. There is no "one-size-fits-all" when it comes to this, and you have to have rewards to keep motivated, or this is how I keep focused anyway.

Just as clean hands equates to a healthy body, so is exercise for a healthy body and mind.

In regards to a dentist, I went to one for the first time in my life a few months ago, and will NEVER EVER go back. All checked out fine and said I had some tartar build up and he recommended that I get my wisdom teeth removed, but they are growing out straight so I think I'll leave those in. What really got on my nerves is the device he used to measure the space of the gums and teeth, and where he cut in multiple gum areas, and I still see/feel those cuts to this day :mad: Oh and the dental hygienist had really bad breath when talking :mad::mad:

I agree, and I think everything has gotten worse compared to past times.

https://www.cnn.com/2023/07/13/busin...aly/index.html

"San Francisco Fed president: ‘It’s really too early to declare victory on inflation’"

Ummmm....ya think?? At this rate, inflation will be around for a while :shakes head: :mad:

https://www.cnn.com/2023/07/13/busin...fed/index.html

"St. Louis Fed President James Bullard is stepping down"

:gtfo2::gtfo2::gtfo2::gtfo2:

And more need to follow suit and resign as well :gtfo2::gtfo2::gtfo2::gtfo2:

https://www.cnn.com/2023/07/13/busin...aks/index.html

"Inflation fever is finally breaking. The Fed’s soft landing may be in sight"

:icon18::icon18::icon18::icon18:

WHAT SOFT LANDING??? :mad:

:gtfo2::gtfo2::gtfo2::gtfo2:

thats awesome man.. you're looking good, and feeling good.:tiphat:

Yes, you are totally right, there is no one-size-fits-all, its what everyone finds to make them feel good/healthy

Understand the Dentist!!!!!

Its the weekend
time to have a brew or adult beverage and relax
enjoy
:)

I don't consider dentists and chiropractors real doctors, nor will I ever address them as such :rolleyes:

Im off to the beach today, today's going to be a great day... have a great weekend mr. danegrey, mrs. cherries, daveZ, filip, and fl4_motion.:tup:

Have a great day Rusty, MZ DAIZY, JNews86! :iagree:

lol you too dude! :iagree:

Stay frosty!

Don’t forget sunscreen. Gonna be hot here again. Need to clean up the vehicle…spot patching the road :icon14:

Stay frosty :happydance:

Lol. Have a good one.

When all else fails…manipulate the data.
An old QA mantra… :ugh2:

ohh yeah, definitely going to need sunscreen... thanks for the reminder.:tup:

stay frosty :rofl2: :iagree:

https://www.cnn.com/2023/07/14/busin...ome/index.html

"Homebuyers must ‘learn to live’ with near-7% mortgage rates, says RE/MAX chairman"

Umm....

1. If you are waiting for rates to drop back down near to 2%, you will be waiting for a very long/indefinite period of time.
2. Rates in the 70's/80's/90's were close to 20%, and this when wages were lower even with inflation factored in, so 7% range is very low compared to past times.
3. People are okay with signing off and accepting credit cards and personal loans with rates upwards of 30%, but are afraid of 7% range mortgage rates?

:hello:

It's the weekend......and it's raining. :rolleyes:

Wait a couple of years till we see the full side effects of the Covid “vaccine”.

I’m no antivaxer, but I’m not a fan of big Pharma either. How did we wind up with a whole generation of kids that will die if in the same room with a peanut?

Just an excuse not to mow the lawn… :stirthepot:

I think everyone is leery of another housing market bubble.

I do get your point about the CC interest, though. But! I know a lot of people that are living day to day on their Credit Cards to supplement their paychecks.

I used to get this one A LOT. Good News: There is no housing bubble, at least not to the likes of the late 2000's. What imaginary bubble is there to burst? It was a completely different market and environment then compared to now.

Then: too much supply (from excess foreclosures) and not enough buyers.
Now: too little supply and too many buyers, even with rate increases. Being on the tail-end of COVID, there may be foreclosures coming up, but, will only feed into the supply shortage.

Also, mortgage lending was not regulated then and heavily regulated now. You so much as sneeze the wrong way and the Underwriter is already re-auditing the file.



EDIT:
I had a client that barely qualified for a mortgage and really wanted to be a home owner. He was the type to live off of credit cards/loans and barely had anything left after all expenses paid. 2 years later, he called and said he may need to sell because he's barely staying afloat. He made all his mortgage payments on time and was able to build equity fast (he also put more than the min. down payment when initially buying), so instead of him selling, we did a cash-out refi. Yes, his rate went from 2.25% to 7.75%, and yes, his mortgage went up about $500/month, but, he was able to decrease his net monthly total outgoing by nearly $4K by using the cash-out refi funds to pay off toxic debt.

We put 40% down with mid 700 hundred FICA scores and still got put through the wringer...

We've built up some equity now and would like to refinance to do improvements. Was told not to bother!

Each loan application is unique. All requirements have to be met, otherwise, can be a bumpy road. Even if you have a sh!tload of money and good credit score, if you are financing and other elements of the requirements are missing, this can lead to other questions.

What was their reasoning on not to refinance?

And how many loan originators did you speak with?

https://www.fox13news.com/news/aaa-d...rricane-season

"AAA dropping some Florida insurance policyholders, citing last year's 'catastrophic hurricane season'"

And AAA is leaving FL.

And Geico just raised by sh!t again :mad::mad::mad::mad:

It's really time to get the h3ll outta FL.

They went back and found some CC payments that were late.

As far as refi, was told house overvalued and debt to equity was questionable. This is why being self employed most of my life comes back to haunt me.

Late payments in itself won't prevent anyone with moving forward with a mortgage. The effects of the late payment, such as dropping in score and how much, and the status (i.e. charged off, collections, etc.) may play a factor. The type of loan also plays a factor.

The only way to know whether a house is "overvalued" compared to what you owe is getting an appraisal done. Without this, a loan originator cannot determine a value of a home.

Being self-employed can be tricky, but as long as the taxes are done correctly and matches the bank deposits, it shouldn't be an issue. I've closed plenty of SE borrowers during my time and the biggest key is not writing off anything and everything you can and to show that you make the income to which you claim you have made. I had a client that made over $800K gross, but wrote off so much at the advice of their tax accountant and we could only use about $120K.

One thing I will always tell people is to shop around and get multiple opinions. You could get better service and attention, as well as possible better rates, by going to a brokerage rather than a bank (most brokerages should have the ability to shop around to see what the best rates you could qualify for, whereas banks will typically give you what THEY have to offer).

What does a “brokerage” look like? Give me an example…interesting details in your posts.