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OT: 109th Obsequious Banter Thread: In the Driver's Seat

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What are you driving if given a choice?

  • Al Capone's Cadillac: Shoot to thrill

    Votes: 1 3.0%

  • Batmobile: In Gotham City of course

    Votes: 9 27.3%

  • GTO Judge: Here comes da judge

    Votes: 6 18.2%

  • Lamborghini: The need for speed

    Votes: 4 12.1%

  • The Munster Koach: With Rob Zombie riding shotgun

    Votes: 0 0.0%

  • Tin Lizzie, The Model T: You never forget your first

    Votes: 1 3.0%

  • Zamboni: Re-living Slapshot!

    Votes: 0 0.0%

  • Somethin' else

    Votes: 12 36.4%
  • Total voters
    33
  • Poll closed .
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ya know..if i was Hamilton Burger i would have just quit lol dude just cant beat Perry
 
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Sombastate said:
Only 30 years left!!!
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Now, it will be less....just be smart. When things are good, add an extra payment here and there. When rates drop, lock it in cheap. Not sure if doing, but I went with a payment every 2 weeks vs monthly. Saves approx 2.5 years off your mortgage and of course means less interest paid.

Being in my mid 40's and being mortgage free was perfect.
 
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Tripod said:
Now, it will be less....just be smart. When things are good, add an extra payment here and there. When rates drop, lock it in cheap. Not sure if doing, but I went with a payment every 2 weeks vs monthly. Saves approx 2.5 years off your mortgage and of course means less interest paid.

Being in my mid 40's and being mortgage free was perfect.
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Yeah! Once interest rates drop, I'm going to refinance. I'm currently at 6.9%. But a lot of that has to do with being a musician. Doing anything as an independent contractor is astronomically more difficult.

And I was looking into that twice a week option. And when my PMI disappears, I'll continue the payments I'm making now, which will drop it down a lot, too
 
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Pay as much extra principle as you can early. Set your payment 200+ every month. We will pay ours off in the next few years, probabaly 8 years early. Considering that we had to pay off college loans too, that's not too bad.
 
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Sombastate said:
Yeah! Once interest rates drop, I'm going to refinance. I'm currently at 6.9%. But a lot of that has to do with being a musician. Doing anything as an independent contractor is astronomically more difficult.

And I was looking into that twice a week option. And when my PMI disappears, I'll continue the payments I'm making now, which will drop it down a lot, too
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Congrats!


I've bought two houses and sold one.


Never a-f***ing-gain
 
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Sombastate said:
So, I may have bought a house.

I bought a house as a full time musician, which is absolutely wild to me.

Also, don't ever buy a house. Its the most stressful shit of my life
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It's more stressful to SELL the house. Trust me. Congratulations my man. Buying a house is ALWAYS a fantastic long term idea, as long as you don't default on the payments.
 
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Sombastate said:
Yeah! Once interest rates drop, I'm going to refinance. I'm currently at 6.9%. But a lot of that has to do with being a musician. Doing anything as an independent contractor is astronomically more difficult.

And I was looking into that twice a week option. And when my PMI disappears, I'll continue the payments I'm making now, which will drop it down a lot, too
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Almost anything you can do to get out of PMI is the right answer. PMI is such a scam.
 
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Flybynite said:


BTW, to call it a racist rant really doesn't even begin to do justice. Dude went on this methodical statement about how white people need to move away from black people, find places they aren't and move to them and stop doing anything to offer any 'help' to any black people.
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I used to read the comics regularly when I got an actual newspaper delivered. I never read Dilbert though and now I'm pretty sure I never will.
 
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swami24 said:
Pay as much extra principle as you can early. Set your payment 200+ every month. We will pay ours off in the next few years, probabaly 8 years early. Considering that we had to pay off college loans too, that's not too bad.
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Yup, good advice.

Something else I did was lots of times when I got a raise, I would just up my payment by that amount....after taxes of course. I would see how much my take home paycheck went up by, then adjust the payment. Back then it might only be a $30-40 increase but it made a difference over time and I just kept living as I was before.

Other times I would "bank" a portion of the raise amount in a different account so I had a down-payment for vehicle.

In the end, I paid off the house in 17.5 years.

Now banking for retirement...which I also did since age 25. Do that too boys.
 
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Flybynite said:


BTW, to call it a racist rant really doesn't even begin to do justice. Dude went on this methodical statement about how white people need to move away from black people, find places they aren't and move to them and stop doing anything to offer any 'help' to any black people.
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So he is saying he wouldn't play the role of Mr. Drummond on Different Strokes?
 
Tripod said:
Yup, good advice.

Something else I did was lots of times when I got a raise, I would just up my payment by that amount....after taxes of course. I would see how much my take home paycheck went up by, then adjust the payment. Back then it might only be a $30-40 increase but it made a difference over time and I just kept living as I was before.

Other times I would "bank" a portion of the raise amount in a different account so I had a down-payment for vehicle.

In the end, I paid off the house in 17.5 years.

Now banking for retirement...which I also did since age 25. Do that too boys.
Click to expand...

Some loans don't allow this anymore. It's horseshit.
 
Such criminality....

nypost.com

‘Sound like Mickey Mouse’: East Palestine residents’ shock illnesses after derailment

East Palestine, Ohio, residents are uniting to fight for their town to be treated fairly — by the Biden administration and Norfolk Southern.
nypost.com nypost.com

Homeboy cynically goes there for a photo op and distributes water with his brand name on it......glad she ain't falling for the crap or that of any politician that let corporate greed run amok....which is pretty much the majority of politicos..

"We’re not going to shut up,” she said. “We’re not weak but we need support. We’re here for the long run. Trump came here and then he was gone. What’s he going to do for us, really? We’re going to do it ourselves and we’re organizing from the ground up.”
 
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Tripod said:
Now banking for retirement...which I also did since age 25. Do that too boys.
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That is one area where our situation is different. Both the Mrs and I work for an organization with a great pension, and both have over 35 yrs in. Now we have been paying a lot into it, but we could both retire with 60%+ salary tomorrow. I will definitely retire somewhere between late this year and 2025. Great option since I don't turn 60 until later this year.
 
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