OT X - Here for the Crang Bang

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Calvinball
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Sat Aug 12, 2017 11:05 pm

fledonfoot wrote:
Barnes93cb wrote:
Sat Aug 12, 2017 1:12 pm
Whats a mortgage?
A 72 month car note?
There's a mattress store near my grocery store. They had a bunch of signs in the window for 72 month financing.

:wtf:


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Calvinball
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Sat Aug 12, 2017 11:09 pm

CorvetteWaxer wrote:
Tarspin wrote:
Sat Aug 12, 2017 8:33 pm
House renos ain't cheap. I will likely do my own flooring minus tiles when the time comes. I have the skills and the labor costs are rediculous. My neighbor spent 100k on floors and kitchen last. It adds up fast!
Yeah, I could have done all my work for the flooring but you know, my knees and back tell me to pay this time.

15 years ago I did all the tile work in the house and did all my own baseboard and door casings. This time I'm just doing the paint work on the inside and letting younger guys work on their hands and knees for a week at a time.
As you get older and you make more money, this becomes more and more desirable.


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wap
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Sun Aug 13, 2017 12:04 am

Calvinball wrote:
Sat Aug 12, 2017 11:09 pm
CorvetteWaxer wrote:
Yeah, I could have done all my work for the flooring but you know, my knees and back tell me to pay this time.

15 years ago I did all the tile work in the house and did all my own baseboard and door casings. This time I'm just doing the paint work on the inside and letting younger guys work on their hands and knees for a week at a time.
As you get older and you make more money, this becomes more and more desirable.


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C00bs
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Sun Aug 13, 2017 10:03 am

I envy all of you with your homes. Student loans are a killer. Maybe in like 8 years life will be better? I have heard some buzz about changing lending requirements so those with student loans fit into the equation more. Meh. I am looking for another job because I do not want to live where I am now.

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Bender
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Sun Aug 13, 2017 11:00 am

C00bs wrote:I envy all of you with your homes. Student loans are a killer. Maybe in like 8 years life will be better? I have heard some buzz about changing lending requirements so those with student loans fit into the equation more. Meh. I am looking for another job because I do not want to live where I am now.
I think most people have student loans with the first house. Just gotta find cheaper places. I wouldn't count on lending requirements changing these days.
This is the worst kind of discrimination there is: the kind against me!

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CorvetteWaxer
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Sun Aug 13, 2017 11:25 am

Bender wrote:
Sun Aug 13, 2017 11:00 am
C00bs wrote:I envy all of you with your homes. Student loans are a killer. Maybe in like 8 years life will be better? I have heard some buzz about changing lending requirements so those with student loans fit into the equation more. Meh. I am looking for another job because I do not want to live where I am now.
I think most people have student loans with the first house. Just gotta find cheaper places. I wouldn't count on lending requirements changing these days.
Not in the favor of ones trying to acquire the loan, anyway...
I'm on my last bag of peas.

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Bender
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Sun Aug 13, 2017 11:26 am

CorvetteWaxer wrote:
Bender wrote:
Sun Aug 13, 2017 11:00 am
I think most people have student loans with the first house. Just gotta find cheaper places. I wouldn't count on lending requirements changing these days.
Not in the favor of ones trying to acquire the loan, anyway...
:dat:
This is the worst kind of discrimination there is: the kind against me!

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Sun Aug 13, 2017 12:20 pm

Bender wrote:
Sun Aug 13, 2017 11:00 am
C00bs wrote:I envy all of you with your homes. Student loans are a killer. Maybe in like 8 years life will be better? I have heard some buzz about changing lending requirements so those with student loans fit into the equation more. Meh. I am looking for another job because I do not want to live where I am now.
I think most people have student loans with the first house. Just gotta find cheaper places. I wouldn't count on lending requirements changing these days.
:dat:
Idk why any lending requirement would change just because of student loans, they are still a debt obligation that needs to be repaid.

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Sun Aug 13, 2017 12:48 pm

:hai:

:poop: time

Then I might watch some rick & morty. :fuckyeah:
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WAP wrote:Hey, if he's old enough to wear a ball gag he's old enough to fuck himself.

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Sun Aug 13, 2017 2:01 pm

Rick and Morty sucks.
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Sun Aug 13, 2017 2:02 pm

CorvetteWaxer wrote:
Sat Aug 12, 2017 7:37 pm
NEEK wrote:
Sat Aug 12, 2017 4:21 pm
When are we hanging out?

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Is that an offer for free labor?

:lol:

I'm not hanging out anywhere for a few weeks at this point, so much to do and schedules at are tight.
It might have been...

:neek:
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Sun Aug 13, 2017 2:06 pm

Back to T-Mobile I go today to activate the other child onto my plan.

Ex-wife was an absolute bitch to my gf the other night, so now she will get hit with half of both of their activation fees and shits. I was gonna be nice and pay them without her, but not anymore.
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CorvetteWaxer
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Sun Aug 13, 2017 2:51 pm

NEEK wrote:
Sun Aug 13, 2017 2:02 pm
CorvetteWaxer wrote:
Sat Aug 12, 2017 7:37 pm


Is that an offer for free labor?

:lol:

I'm not hanging out anywhere for a few weeks at this point, so much to do and schedules at are tight.
It might have been...

:neek:

:iswydt:
I'm on my last bag of peas.

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Bender
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Sun Aug 13, 2017 3:07 pm

NEEK wrote:Rick and Morty sucks.
Fuck you. You're not my son.
This is the worst kind of discrimination there is: the kind against me!

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razr390
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Sun Aug 13, 2017 4:16 pm

Car hesitating to start up this morning. :notsure:

It was completely fine last night at 3AM.
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WAP wrote:Hey, if he's old enough to wear a ball gag he's old enough to fuck himself.

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Tarspin
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Sun Aug 13, 2017 4:39 pm

razr390 wrote:Car hesitating to start up this morning. :notsure:

It was completely fine last night at 3AM.
Carbon buildup?

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razr390
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Sun Aug 13, 2017 4:44 pm

Tarspin wrote:
Sun Aug 13, 2017 4:39 pm
razr390 wrote:Car hesitating to start up this morning. :notsure:

It was completely fine last night at 3AM.
Carbon buildup?
It's weird because it happened overnight. And I did my carbon cleaning at like 45k
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WAP wrote:Hey, if he's old enough to wear a ball gag he's old enough to fuck himself.

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Sun Aug 13, 2017 4:44 pm

Apex wrote:
Sun Aug 13, 2017 12:20 pm
Bender wrote:
Sun Aug 13, 2017 11:00 am
I think most people have student loans with the first house. Just gotta find cheaper places. I wouldn't count on lending requirements changing these days.
:dat:
Idk why any lending requirement would change just because of student loans, they are still a debt obligation that needs to be repaid.
Because under certain repayment options such as PAYE (Pay As You Earn), the amount paid back will be lower than the loan balance. There is movement towards looking at monthly obligations v. the loan balance.

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Desertbreh
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Sun Aug 13, 2017 4:57 pm

NEEK wrote:
Sun Aug 13, 2017 2:06 pm
Back to T-Mobile I go today to activate the other child onto my plan.

Ex-wife was an absolute bitch to my gf the other night, so now she will get hit with half of both of their activation fees and shits. I was gonna be nice and pay them without her, but not anymore.
Is your ex wife dating someone else?

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Tarspin
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Sun Aug 13, 2017 5:44 pm

razr390 wrote:
Tarspin wrote:
Sun Aug 13, 2017 4:39 pm
Carbon buildup?
It's weird because it happened overnight. And I did my carbon cleaning at like 45k
Spark plug or coil pack? Does it have warranty coverage?

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Bender
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Sun Aug 13, 2017 6:03 pm

C00bs wrote:
Apex wrote:
Sun Aug 13, 2017 12:20 pm
:dat:
Idk why any lending requirement would change just because of student loans, they are still a debt obligation that needs to be repaid.
Because under certain repayment options such as PAYE (Pay As You Earn), the amount paid back will be lower than the loan balance. There is movement towards looking at monthly obligations v. the loan balance.
PAYE is going to go the way of the dodo. Someone has to pay the difference and that someone is the tax payer.
This is the worst kind of discrimination there is: the kind against me!

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C00bs
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Sun Aug 13, 2017 6:14 pm

Bender wrote:
Sun Aug 13, 2017 6:03 pm
C00bs wrote:
Because under certain repayment options such as PAYE (Pay As You Earn), the amount paid back will be lower than the loan balance. There is movement towards looking at monthly obligations v. the loan balance.
PAYE is going to go the way of the dodo. Someone has to pay the difference and that someone is the tax payer.
Not going anywhere for those currently on the plan. It's contractual promise. The Trump administration already said it wouldn't touch public service loan forgiveness for those on the plan, but would get rid of it maybe for future students.

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Sun Aug 13, 2017 6:17 pm

C00bs wrote:
Sun Aug 13, 2017 4:44 pm
Apex wrote:
Sun Aug 13, 2017 12:20 pm


:dat:
Idk why any lending requirement would change just because of student loans, they are still a debt obligation that needs to be repaid.
Because under certain repayment options such as PAYE (Pay As You Earn), the amount paid back will be lower than the loan balance. There is movement towards looking at monthly obligations v. the loan balance.
They don't look at the loan balance, the underwriters look at the monthly obligation. Your loan balance could be $1,000,000 but if the monthly is $250 they are only taking the $250 under consideration for calculating your Debt to Income and ability to repay the mortgage.

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C00bs
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Sun Aug 13, 2017 6:26 pm

Apex wrote:
Sun Aug 13, 2017 6:17 pm
C00bs wrote:
Sun Aug 13, 2017 4:44 pm


Because under certain repayment options such as PAYE (Pay As You Earn), the amount paid back will be lower than the loan balance. There is movement towards looking at monthly obligations v. the loan balance.
They don't look at the loan balance, the underwriters look at the monthly obligation. Your loan balance could be $1,000,000 but if the monthly is $250 they are only taking the $250 under consideration for calculating your Debt to Income and ability to repay the mortgage.
Ah, isn't there something else? A buddy of mine has a high loan balance but makes a lot of money yet his debt to income ratio was still too high.

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razr390
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Sun Aug 13, 2017 6:28 pm

Tarspin wrote:
Sun Aug 13, 2017 5:44 pm
razr390 wrote:
It's weird because it happened overnight. And I did my carbon cleaning at like 45k
Spark plug or coil pack? Does it have warranty coverage?
Yes I'm under warranty (powertrain and extended) until 60k.

I'm thinking it's either the battery, spark plugs or ignition coils. But betting on the battery first. Taking it to service tomorrow considering I'm 500 miles away from my next service date.
:doughnut: :narc: :doughnut:
WAP wrote:Hey, if he's old enough to wear a ball gag he's old enough to fuck himself.

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