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The New “What did you do with your Z today” (with off topic replies)

Originally Posted by DaveZ03 My comparison was Ford competing with Ferrari in motorsports. Also I think you meant hideous. Nothing screams "I got nothing" more than a spelling lame, Cupcake.

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Old 08-18-2023, 04:17 PM   #1 (permalink)
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Originally Posted by DaveZ03 View Post
My comparison was Ford competing with Ferrari in motorsports. Also I think you meant hideous.
Nothing screams "I got nothing" more than a spelling lame, Cupcake.

Just saying.
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Old 08-18-2023, 04:26 PM   #2 (permalink)
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My comparison was Ford competing with Ferrari in motorsports. Also I think you meant hideous.


that was funny.
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Old 08-17-2023, 09:20 PM   #3 (permalink)
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I got a call tonight from a would-be client, but had to refer this out to a buddy still originating mortgage loans. And the 1 question that drives loan originators crazy: "What are your rates?"

PSA: When it comes to mortgage rates, banks/lenders/financial institutions do NOT have control over this. A person has the ability to buy down the rate, but the rate (and cost of rate) itself is a non-controllable.

The rate is the rate, and no financial institution will have a "magical rate". Mortgage rates should be similar across the board with a very small differential. Think gas prices: They are typical in line with each other, maybe a few cents +/- difference.

The analogy I used to give clients is cash currency: banks don't have a money printing press in their back rooms, but rather get it from the same source. Same principle with mortgage rates.

I will say there are MANY mortgage loan programs out there, and far too many for any one loan originator to know them all. Some banks/lenders may have an "in-house" program, but in which they can set their own stipulations/rates/etc. and may not be a traditional/conforming loan.
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Old 08-18-2023, 12:30 AM   #4 (permalink)
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Old 08-18-2023, 06:53 AM   #5 (permalink)
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thank goodness its friday boys and girls. enjoy.. be innovative! today's going to be great.
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Old 08-18-2023, 04:21 PM   #6 (permalink)
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thank goodness its friday boys and girls. enjoy.. be innovative! today's going to be great.
Your boy just said that Daddy owes you an ice cream.
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Old 08-19-2023, 01:02 AM   #7 (permalink)
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Your boy just said that Daddy owes you an ice cream.


4 more months left of the cutting phase. I have a rolling list going of stuff I will devour once going back to the bulking stage. Ice cream is #2, with pizza being #1. Costco sells these big@$$ tubs of ice cream and I will be loading my garage freezer up with these.
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Old 08-18-2023, 08:22 AM   #8 (permalink)
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Happy Friday
enjoy the day
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Old 08-18-2023, 08:32 AM   #9 (permalink)
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Happy Friday
enjoy the day
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Old 08-18-2023, 09:55 AM   #10 (permalink)
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Happy Friday
enjoy the day
have a good day mr. danegrey
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Old 08-18-2023, 03:01 PM   #11 (permalink)
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https://www.cnn.com/2023/08/18/healt...ess/index.html

"Which arm gets the Covid-19 booster may make a difference, study shows"

Or just don't get it. Best and easiest solution.
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Old 08-18-2023, 04:19 PM   #12 (permalink)
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https://www.cnn.com/2023/08/18/healt...ess/index.html

"Which arm gets the Covid-19 booster may make a difference, study shows"

Or just don't get it. Best and easiest solution.
Do you have less of a chance of deadly blood clots if you got 2 shots each in both arms?
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Old 08-19-2023, 12:57 AM   #13 (permalink)
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Do you have less of a chance of deadly blood clots if you got 2 shots each in both arms?
Or the chance of blood clots with no shots to either arm.

I will continue to claim religion purposes to firmly decline future mandated vaccines for future coronaviruses to come.

Come to think of it, I really wonder what the TRUE stats are in terms of which has a higher chance of death: COVID19 vaccines or COVID19 itself.
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Old 08-19-2023, 06:02 PM   #14 (permalink)
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Originally Posted by vtec to vvel View Post
https://www.cnn.com/2023/08/18/healt...ess/index.html

"Which arm gets the Covid-19 booster may make a difference, study shows"

Or just don't get it. Best and easiest solution.

With that shizzz.
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Old 08-18-2023, 03:18 PM   #15 (permalink)
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https://www.fox13news.com/news/incre...on-experts-say

"Increased car insurance costs impacted by inflation, experts say."
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