OT 13: Unholy Guacamole

Off-topic? You mean on-topic!
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wap
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razr390 wrote: Sun Apr 15, 2018 5:25 pm Ugly ass weather today
:dat:
It's cold, windy, and going back and forth between rain and snow all day.
:disgust:
:wap: Where are these mangos?
Detroit wrote: Fri Apr 16, 2021 1:19 pm I don't understand anything anymore.
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Chief Master Sirloin of the Wasteful Steak
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Calvinball wrote: Sun Apr 15, 2018 7:00 pm
wap wrote:
50k in 3 years?
:impressive:
20-25 miles a day commute, plus numerous trips to Maine.


Sent from the Beer Depository
That'll do it. My 59k includes almost 15k of just road trips. May be why I haven't needed a carbon cleaning yet.
:wap: Where are these mangos?
Detroit wrote: Fri Apr 16, 2021 1:19 pm I don't understand anything anymore.
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[user not found] wrote: Sun Apr 15, 2018 10:23 pm
Apex wrote: Sun Apr 15, 2018 8:53 pm

Yeah, that useless bed was definitely used.
Remember remember the Bro Forks 1.

There’s definitely mud behind the taillights.
Good point is good, V.
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razr390
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Apex wrote: Sun Apr 15, 2018 10:28 pm
[user not found] wrote: Sun Apr 15, 2018 10:23 pm

Remember remember the Bro Forks 1.

There’s definitely mud behind the taillights.
Good point is good, V.
When can you come in for a test drive? :dillerman:
:doughnut: :narc: :doughnut:
Desertbreh wrote: Thu Oct 17, 2019 3:05 pm DFD. The forum where everybody makes the same choices and then tells anybody trying to join the club that they are the stupidest motherfucker to ever walk the earth.
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razr390
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Good morning everyone
:doughnut: :narc: :doughnut:
Desertbreh wrote: Thu Oct 17, 2019 3:05 pm DFD. The forum where everybody makes the same choices and then tells anybody trying to join the club that they are the stupidest motherfucker to ever walk the earth.
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goIftdibrad
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slow morning eh
brain go brrrrrr
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goIftdibrad
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the latest trailer park boys season was really funny

Altered Carbon was also fun. lots of bewbs :doe:
brain go brrrrrr
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goIftdibrad
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brain go brrrrrr
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Last edited by goIftdibrad on Mon Apr 16, 2018 8:43 am, edited 1 time in total.
brain go brrrrrr
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goIftdibrad
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goIftdibrad
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fuck it here is the link i give up
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goIftdibrad
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wait thats all i have to do?

:rage:
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:balls:
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Desertbreh wrote: Thu Oct 17, 2019 3:05 pm DFD. The forum where everybody makes the same choices and then tells anybody trying to join the club that they are the stupidest motherfucker to ever walk the earth.
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In the news. R Lee Ermey died. He was 74.


In other news, R Lee Ermey was 74? He looked 60 in FMJ 30 years ago
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Big Brain Bradley wrote: Mon Apr 16, 2018 9:22 am Image
:lolol: I love that movie.
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I've been drinking nescafe freeze dried instant coffee because it's quick. I'll put about 3 ounces of cold water (don't want to wait for it to heat up) in a glass, add about 16ounces worth of coffee and shoot it. It's thick.

It's so disgusting and I have to drink water to prevent staining my teeth but it's so efficient.

Worth it.
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Anyone every taken out a home equity loan?

We are looking at doing about 10k in upgrades to the house and don't want to use savings.
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KYGTIGuy wrote: Mon Apr 16, 2018 10:15 am Anyone every taken out a home equity loan?

We are looking at doing about 10k in upgrades to the house and don't want to use savings.
Equity Loan and Equity Line of Credit (HELOC) are things you should look into. Id said heloc it if you can pay it off relatively quickly (under 1-2 years). Pretty sure teh next option would essentially be a second mortgage.

They are very simple for HELOC. Often dont require a current appraisal if what you want to borrow is inline with what your house is relatively worth. They have better intro rates sometimes even 0% for 6mo.
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dubshow wrote: Mon Apr 16, 2018 10:26 am
KYGTIGuy wrote: Mon Apr 16, 2018 10:15 am Anyone every taken out a home equity loan?

We are looking at doing about 10k in upgrades to the house and don't want to use savings.
Equity Loan and Equity Line of Credit (HELOC) are things you should look into. Id said heloc it if you can pay it off relatively quickly (under 1-2 years). Pretty sure teh next option would essentially be a second mortgage.

They are very simple for HELOC. Often dont require a current appraisal if what you want to borrow is inline with what your house is relatively worth. They have better intro rates sometimes even 0% for 6mo.
Is it best to go through our current bank. Just browsing their site looks like 4.49% is the best rate they offer on either type of loan.

Looks like they are all adjustable rates too. Max at 12%. Is that industry standard?
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KYGTIGuy wrote: Mon Apr 16, 2018 10:31 am
dubshow wrote: Mon Apr 16, 2018 10:26 am

Equity Loan and Equity Line of Credit (HELOC) are things you should look into. Id said heloc it if you can pay it off relatively quickly (under 1-2 years). Pretty sure teh next option would essentially be a second mortgage.

They are very simple for HELOC. Often dont require a current appraisal if what you want to borrow is inline with what your house is relatively worth. They have better intro rates sometimes even 0% for 6mo.
Is it best to go through our current bank. Just browsing their site looks like 4.49% is the best rate they offer on either type of loan.

Looks like they are all adjustable rates too. Max at 12%. Is that industry standard?
Id try to use your current bank just for simplicity but you may need to shop around for best deal. Yes, the HELOC is typically variable with about 2-3 months notice of a rate change. That 4% is about going, but seek out a hungry bank that will give you an intro rate to make it worth your while. Another reason I say keep the HELOC in terms you can pay off, as the rate can change. If you can't pay the 10k off in a rate (prime+markup) spike, dont do it. Its good for a 2 year outlook. The second mortgage is a longer term option but usually used for a bigger loan.
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Big Brain Bradley wrote: Mon Apr 16, 2018 8:43 am fuck it here is the link i give up
thats :impressive: :like:
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dubshow wrote: Mon Apr 16, 2018 10:34 am
KYGTIGuy wrote: Mon Apr 16, 2018 10:31 am

Is it best to go through our current bank. Just browsing their site looks like 4.49% is the best rate they offer on either type of loan.

Looks like they are all adjustable rates too. Max at 12%. Is that industry standard?
Id try to use your current bank just for simplicity but you may need to shop around for best deal. Yes, the HELOC is typically variable with about 2-3 months notice of a rate change. That 4% is about going, but seek out a hungry bank that will give you an intro rate to make it worth your while. Another reason I say keep the HELOC in terms you can pay off, as the rate can change. If you can't pay the 10k off in a rate (prime+markup) spike, dont do it. Its good for a 2 year outlook. The second mortgage is a longer term option but usually used for a bigger loan.
Thanks for the tips. We have the money we think we will need but didn't want to use it. We need to do more research.

Looks like our bank (lake Michigan credit union) will switch it to a second mortage for free if something catastrophic happened.
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Meetings on top of meetings.
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Desertbreh wrote: Thu Oct 17, 2019 3:05 pm DFD. The forum where everybody makes the same choices and then tells anybody trying to join the club that they are the stupidest motherfucker to ever walk the earth.
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KYGTIGuy wrote: Mon Apr 16, 2018 10:15 am Anyone every taken out a home equity loan?

We are looking at doing about 10k in upgrades to the house and don't want to use savings.
I have one that I don't use...
brain go brrrrrr
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