OT 13: Unholy Guacamole

Off-topic? You mean on-topic!
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golftdibrad
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Mon Apr 16, 2018 9:43 am

fuck it here is the link i give up
Weekly :fax:
Alain Prost wrote: When I look fast, I'm not smooth and I am going slowly. And when I look slow, I am smooth and going fast.

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golftdibrad
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Mon Apr 16, 2018 9:43 am

wait thats all i have to do?

:rage:
Weekly :fax:
Alain Prost wrote: When I look fast, I'm not smooth and I am going slowly. And when I look slow, I am smooth and going fast.

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razr390
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Mon Apr 16, 2018 10:04 am

:balls:
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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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KYGTIGuy
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Mon Apr 16, 2018 10:15 am

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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golftdibrad
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Mon Apr 16, 2018 10:22 am

Image
Weekly :fax:
Alain Prost wrote: When I look fast, I'm not smooth and I am going slowly. And when I look slow, I am smooth and going fast.

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Mon Apr 16, 2018 10:22 am

golftdibrad wrote:
Mon Apr 16, 2018 10:22 am
Image
:lolol: I love that movie.

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KYGTIGuy
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Mon Apr 16, 2018 10:46 am

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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Zillon
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Mon Apr 16, 2018 10:57 am

golftdibrad wrote:
Mon Apr 16, 2018 9:43 am
fuck it here is the link i give up
:impressive:
Zildor the Magnificent
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Detroit wrote:I love gravy.

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KYGTIGuy
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Mon Apr 16, 2018 11:15 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.

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dubshow
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Mon Apr 16, 2018 11:26 am

KYGTIGuy wrote:
Mon Apr 16, 2018 11:15 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.
This post is illegal in the European Union.

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KYGTIGuy
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Mon Apr 16, 2018 11:31 am

dubshow wrote:
Mon Apr 16, 2018 11:26 am
KYGTIGuy wrote:
Mon Apr 16, 2018 11:15 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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dubshow
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Mon Apr 16, 2018 11:34 am

KYGTIGuy wrote:
Mon Apr 16, 2018 11:31 am
dubshow wrote:
Mon Apr 16, 2018 11:26 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.
This post is illegal in the European Union.

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dubshow
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Mon Apr 16, 2018 11:35 am

golftdibrad wrote:
Mon Apr 16, 2018 9:43 am
fuck it here is the link i give up
thats :impressive: :like:
This post is illegal in the European Union.

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KYGTIGuy
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Mon Apr 16, 2018 11:44 am

dubshow wrote:
Mon Apr 16, 2018 11:34 am
KYGTIGuy wrote:
Mon Apr 16, 2018 11:31 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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razr390
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Mon Apr 16, 2018 11:45 am

Meetings on top of meetings.
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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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golftdibrad
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Mon Apr 16, 2018 12:01 pm

KYGTIGuy wrote:
Mon Apr 16, 2018 11:15 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...
Weekly :fax:
Alain Prost wrote: When I look fast, I'm not smooth and I am going slowly. And when I look slow, I am smooth and going fast.

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SAWCE
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Mon Apr 16, 2018 12:18 pm

Productive weekend was productive.

Got the dogs on a nice walk Saturday morning before it got too hot, cleaned around the house, went grocery shopping, grabbed some new dress shirts at BR, hit the gym, napped, cooked dinner with Michelle. We grabbed a few games, Scattergories and Uno, while at Target, and played a few rounds of Scattergories after dinner and walking the dogs again.

Sunday was similar with more chores and grocery shopping, but got the :jeep: washed, did my meal prep for the week, met her and her parents for dinner, then watched Harry Potter.
:sawce:

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Detroit
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Mon Apr 16, 2018 12:32 pm

Sweet vengeance occurred yesterday.

Background: We have a neighbor that refuses to park in their (open) driveway. Toyota Previa (supercharged) always on the street. They leave it there so the snow plow plows in our driveway. The leaf sucker can't get our leaves in the fall because it's always parked in the way, etc. Wife even called the cops on it last month during a snow storm and it got ticketed and towed. Still, in the street it sits inexplicably.

We got a terrible ice storm the night before last. Ice followed by HEAVY rain. We were enjoying our morning coffee when we heard a terrible crash. We thought it was thunder...but I knew it was more...

Image

Image

Image

The best part is that the tree that fell was from THEIR HOUSE. When the city came out to remove it, I was chatting with the lead guy and he said that tress that grow from a shared base like that fall ALL the time. He said the city usually posts notices warning people to have trees like those removed. He said they probably got a notice, but clearly ignored it.

It made our day. We had an impromptu gathering on our porch with other neighbors to watch the tree removal. Everyone was celebrating the death of the van. We even popped a bottle of champagne in celebration.
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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Mon Apr 16, 2018 12:40 pm

KYGTIGuy wrote:
Mon Apr 16, 2018 11:31 am
dubshow wrote:
Mon Apr 16, 2018 11:26 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?
HELOC is a line, which is adjustable. These typically have draw periods of 10 years, with interest only minimum payments during that time. After 10 years they switch to principal and interest payments amortized out 10-20 years.
You could go for a Home Equity loan which would be fixed and you'd have your options of amortization terms.

Both are subordinated to the primary mortgage.

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golftdibrad
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Mon Apr 16, 2018 12:41 pm

Detroit wrote:
Mon Apr 16, 2018 12:32 pm
TL;DR
thats great and all but what's the monthly on paper plates looking like these days
Weekly :fax:
Alain Prost wrote: When I look fast, I'm not smooth and I am going slowly. And when I look slow, I am smooth and going fast.

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KYGTIGuy
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Mon Apr 16, 2018 12:41 pm

SAWCE wrote:
Mon Apr 16, 2018 12:18 pm
Productive weekend was productive.

Got the dogs on a nice walk Saturday morning before it got too hot, cleaned around the house, went grocery shopping, grabbed some new dress shirts at BR, hit the gym, napped, cooked dinner with Michelle. We grabbed a few games, Scattergories and Uno, while at Target, and played a few rounds of Scattergories after dinner and walking the dogs again.

Sunday was similar with more chores and grocery shopping, but got the :jeep: washed, did my meal prep for the week, met her and her parents for dinner, then watched Harry Potter.
Did you ever find a tailor?

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KYGTIGuy
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Mon Apr 16, 2018 12:43 pm

Detroit wrote:
Mon Apr 16, 2018 12:32 pm
Sweet vengeance occurred yesterday.

Background: We have a neighbor that refuses to park in their (open) driveway. Toyota Previa (supercharged) always on the street. They leave it there so the snow plow plows in our driveway. The leaf sucker can't get our leaves in the fall because it's always parked in the way, etc. Wife even called the cops on it last month during a snow storm and it got ticketed and towed. Still, in the street it sits inexplicably.

We got a terrible ice storm the night before last. Ice followed by HEAVY rain. We were enjoying our morning coffee when we heard a terrible crash. We thought it was thunder...but I knew it was more...

Image

Image

Image

The best part is that the tree that fell was from THEIR HOUSE. When the city came out to remove it, I was chatting with the lead guy and he said that tress that grow from a shared base like that fall ALL the time. He said the city usually posts notices warning people to have trees like those removed. He said they probably got a notice, but clearly ignored it.

It made our day. We had an impromptu gathering on our porch with other neighbors to watch the tree removal. Everyone was celebrating the death of the van. We even popped a bottle of champagne in celebration.
Is that their white bungalow?

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golftdibrad
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Mon Apr 16, 2018 12:43 pm

Detroit wrote:
Mon Apr 16, 2018 12:32 pm
Sweet vengeance occurred yesterday.

Background: We have a neighbor that refuses to park in their (open) driveway. Toyota Previa (supercharged) always on the street. They leave it there so the snow plow plows in our driveway. The leaf sucker can't get our leaves in the fall because it's always parked in the way, etc. Wife even called the cops on it last month during a snow storm and it got ticketed and towed. Still, in the street it sits inexplicably.

We got a terrible ice storm the night before last. Ice followed by HEAVY rain. We were enjoying our morning coffee when we heard a terrible crash. We thought it was thunder...but I knew it was more...

Image

Image

Image

The best part is that the tree that fell was from THEIR HOUSE. When the city came out to remove it, I was chatting with the lead guy and he said that tress that grow from a shared base like that fall ALL the time. He said the city usually posts notices warning people to have trees like those removed. He said they probably got a notice, but clearly ignored it.

It made our day. We had an impromptu gathering on our porch with other neighbors to watch the tree removal. Everyone was celebrating the death of the van. We even popped a bottle of champagne in celebration.
So, they like habitually park their van in front of YOUR house?

:nope:
Weekly :fax:
Alain Prost wrote: When I look fast, I'm not smooth and I am going slowly. And when I look slow, I am smooth and going fast.

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SAWCE
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Mon Apr 16, 2018 12:45 pm

KYGTIGuy wrote:
Mon Apr 16, 2018 12:41 pm
SAWCE wrote:
Mon Apr 16, 2018 12:18 pm
Productive weekend was productive.

Got the dogs on a nice walk Saturday morning before it got too hot, cleaned around the house, went grocery shopping, grabbed some new dress shirts at BR, hit the gym, napped, cooked dinner with Michelle. We grabbed a few games, Scattergories and Uno, while at Target, and played a few rounds of Scattergories after dinner and walking the dogs again.

Sunday was similar with more chores and grocery shopping, but got the :jeep: washed, did my meal prep for the week, met her and her parents for dinner, then watched Harry Potter.
Did you ever find a tailor?
There's one in my neighborhood. I'll try bringing one of my plain white dress shirts to them and see what they can do. I really just need a couple of inches brought in from the stomach/waist area. If they do a good job I'll take the rest of them over as long as the cost isn't something stupid. I'm thinking a basic alteration like that should be under $10/shirt.
:sawce:

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Detroit
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Mon Apr 16, 2018 12:46 pm

KYGTIGuy wrote:
Mon Apr 16, 2018 12:43 pm
Detroit wrote:
Mon Apr 16, 2018 12:32 pm
Sweet vengeance occurred yesterday.

Background: We have a neighbor that refuses to park in their (open) driveway. Toyota Previa (supercharged) always on the street. They leave it there so the snow plow plows in our driveway. The leaf sucker can't get our leaves in the fall because it's always parked in the way, etc. Wife even called the cops on it last month during a snow storm and it got ticketed and towed. Still, in the street it sits inexplicably.

We got a terrible ice storm the night before last. Ice followed by HEAVY rain. We were enjoying our morning coffee when we heard a terrible crash. We thought it was thunder...but I knew it was more...

Image

Image

Image

The best part is that the tree that fell was from THEIR HOUSE. When the city came out to remove it, I was chatting with the lead guy and he said that tress that grow from a shared base like that fall ALL the time. He said the city usually posts notices warning people to have trees like those removed. He said they probably got a notice, but clearly ignored it.

It made our day. We had an impromptu gathering on our porch with other neighbors to watch the tree removal. Everyone was celebrating the death of the van. We even popped a bottle of champagne in celebration.
Is that their white bungalow?
No, theirs is the brick house next to it.
Desertbreh wrote:
Tue Oct 10, 2017 7:40 pm
My guess would be that Chris took some time off because he has read the dialogue on this page 1,345 times and decided to spend some of his free time doing something besides beating a horse to death.

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