Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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Dude, I was jokin about the truck and boat. I have a 20 ft
bass boat and a 17 ft Gator trax all bought by cash.
As far as the pension goes, all companies are trying to
get away from them. I "hope" that mine won't freeze before
I reach 30 years, but it may.
However, if I need any financial advice like how to work
till you die because your too dumb to make over 4% on your
money, I'll know who to call.. 
B
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"Professional water-swatter"
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Krazy
member
Reged: 12/14/05
Posts: 4861
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I got vested stock options right now that will make your forkin deck hand pension look like monopoly money. 
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dabs
Reged: 12/13/05
Posts: 5971249
Loc: New Money, USA
Current High Scores in:
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Kevin;
You have got the world by the balls....everyone was there at one point and time in their life.
Good luck going the 15 year route. Many people buy a house once they decide to settle down and get married....one of the most financially strapped times in a persons life. The difference in payment between a 15 and 30 year loan means the difference between payin the phone bill, water bill and car insurance.
I really aint got a dog in this fight, but instead of 15 year, you might look at a 30 year note only pay half of the payment every two weeks versus making a payment each month. You calculous majors do that math and get back with us.
dab
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Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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Wow dude...$245,00??? that is a starter home. Probably all
vinyl. 
One thing to remember dog, home prices will rise and fall
but double wides will stay about the same. This will be
good information for you when they forclose.
B
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"Professional water-swatter"
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Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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I hear ya Krazy, gotta love our stock options. 
I figured up what I feel I need to retire comfortably,
figured in inflation of 3.5% a year and hell I'm 1/3 of
the way there already. Good thing I'm doing a little better
than 4% returns.
God thats dumb.
B
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"Professional water-swatter"
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H2ODOG
the one who never tires
Reged: 12/22/05
Posts: 10998
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Quote:
Dos Gris said:
You check the market lately dunce?
To get back to the 5th or so subject......I have the dealer
change the FF in the truck dude. I don't like takin the
fuel bath under the cab.
Any who, I think the housing market has tanked in Mo.
hasn't it. 
B
Don't think to hard, you might hurt yourself.
The Columbia Board of Realitors sales statistics showed 1,526 homes were bought during the first six months of the year, up 4.7% from the first half of last year. Also US housing sales were down 7% for the second quarter where as Missouri GAINED .8%, one of twenty states do do so. The former "boom" area in real estate experienced huge declines. States like Florida, California, Nevada, Arizona, and Virginia. This is my favorite part Other areas of modest sales gains during the "boom" years are experiencing STRONG growth. led by Alaska, Texas, Arkansas, North Carolina, and Vermont.
Just because the sky is fallin in your neck of the woods doens't mean it is here.  A growing college town is always a great place to have a home. Sure we are slowing down, but it ain't going backwards like in say your neck of the woods.
Imagine that....a number crunchin, pencil sharpening, bean counting, workin for the MAN desk jockey don't wanna get dirty. It's easy to do. Try sometime. Worst case I'll send my handy dandy labor over. He'll change it in 15 minutes for $14.00/hour.
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It’s better to be hated for who you are, instead of loved for who you aren’t.
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Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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Right on there dabs. I bought my first house @ 23 and did
the 30 year to start. Just try to keep paying the extra
principle payments every month, it pays in the end.
Good luck Kevin.
B
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"Professional water-swatter"
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salty
member
Reged: 12/15/05
Posts: 95
Loc: Madison, MS
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Quote:
dabs said:
Kevin;
You have got the world by the balls....everyone was there at one point and time in their life.
Good luck going the 15 year route. Many people buy a house once they decide to settle down and get married....one of the most financially strapped times in a persons life. The difference in payment between a 15 and 30 year loan means the difference between payin the phone bill, water bill and car insurance.
I really aint got a dog in this fight, but instead of 15 year, you might look at a 30 year note only pay half of the payment every two weeks versus making a payment each month. You calculous majors do that math and get back with us.
dab
Yeah, we tend to go the conservative "what if" rought. Meaning a 20 to 30 year note and making the extra payments when we can when it comes time to buy a house. I like to have that padding in our budget for when the chit hits the fan times. Haveing the budget on the 15 year plan, but actually have a 20 - 30 note makes some padding for some peace of mind. I don't know if you are familiar with the Dave Ramsey "Total money make over" stuff, but my wife and I have an emergency - emergency fund.
Your every two week thing is the equivalent of just paying an extra month's house payment every year. It will knock a couple years off of your mortgage, but the 15 year route is the way to go if you can swing it.
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I'd give my right arm to be ambidextrous.
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Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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Quote:
H2ODOG said:
Quote:
Dos Gris said:
You check the market lately dunce?
To get back to the 5th or so subject......I have the dealer
change the FF in the truck dude. I don't like takin the
fuel bath under the cab.
Any who, I think the housing market has tanked in Mo.
hasn't it.
B
Don't think to hard, you might hurt yourself.
The Columbia Board of Realitors sales statistics showed 1,526 homes were bought during the first six months of the year, up 4.7% from the first half of last year. Also US housing sales were down 7% for the second quarter where as Missouri GAINED .8%, one of twenty states do do so. The former "boom" area in real estate experienced huge declines. States like Florida, California, Nevada, Arizona, and Virginia. This is my favorite part Other areas of modest sales gains during the "boom" years are experiencing STRONG growth. led by Alaska, Texas, Arkansas, North Carolina, and Vermont.
Just because the sky is fallin in your neck of the woods doens't mean it is here. A growing college town is always a great place to have a home. Sure we are slowing down, but it ain't going backwards like in say your neck of the woods.
Imagine that....a number crunchin, pencil sharpening, bean counting, workin for the MAN desk jockey don't wanna get dirty. It's easy to do. Try sometime. Worst case I'll send my handy dandy labor over. He'll change it in 15 minutes for $14.00/hour.
OK, Alaska,Texas,N.C.,Vermont????WTF......News flash...I
don't live there.
Yes dog, I'll pay a grease jockey $15 hr to change my
fuel filter, my time is worth more than that. And don't
worry about me, I came up the ladder by working. Hell I
can put an EMD together with my eyes semi closed. And
tell ya whats wrong with it by looking at the expansion
tank. I can do the job of everyone who works for me.
Put that in your crack pipe....BTW what do you do again,
dig ditches??? That must be tough. 
B.
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"Professional water-swatter"
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foots
the exterminator
Reged: 12/14/05
Posts: 5241
Loc: by my spiritual advisor, Wu
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Quote:
Dos Gris said:
Good thing I'm doing a little better
than 4% returns.
God thats dumb.
B
Dude, yer whippin a  here. He's talkin about disposable income in a money market acount. You know......ready cash, pocket change. Course if you go below 15 grand or so, you get a lesser rate. 
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I was born kicking, screaming, and covered in someone elses blood. I have no problem goin out the same way.
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Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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Damn missed it at first. .08 percent growth....thats huge
real huge.
Would this have been all the intrest only and variable
loan people buying smaller homes because they cant
afford the bigger ones anymore?
It is good for me dog, those $600K homes will be going
for 5 by the time my transfer comes through this winter.
B
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"Professional water-swatter"
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PoisonSnake
lover of scrotums
Reged: 12/16/05
Posts: 200
Loc: East Memphis
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If you mother fornicaters made as much $ as I do, you wouldn't be talking all this chit.
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foots
the exterminator
Reged: 12/14/05
Posts: 5241
Loc: by my spiritual advisor, Wu
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Quote:
PoisonSnake said:
If you mother fornicaters made as much $ as I do, you wouldn't be talking all this chit.
Drive a Mercedes do ya PS?
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I was born kicking, screaming, and covered in someone elses blood. I have no problem goin out the same way.
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Krazy
member
Reged: 12/14/05
Posts: 4861
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Quote:
PoisonSnake said:
If you mother fornicaters made as much $ as I do, you wouldn't be talking all this chit.
If I lived in East Memphrica I wouldnt be broadcastin it. 
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dabs
Reged: 12/13/05
Posts: 5971249
Loc: New Money, USA
Current High Scores in:
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Quote:
PoisonSnake said:
If you mother fornicaters made as much $ as I do, you wouldn't be talking all this chit.
I can provide a link to show everyone what you make PS...I haven't done so to this point so as not to embarass your self righteousness.
But, you don't do bad for someone who sits around on their damn couch all day changing diapers!
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webster
member
Reged: 12/14/05
Posts: 586
Loc: New Bloomfield, Missouri
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To bad there his own diapers. 
Edited by webster (08/30/06 04:04 PM)
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Mel
member
Reged: 12/14/05
Posts: 6896
Loc: Excelsior Springs, MO
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Uh, Oh!! Another cover blown.
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Member DU, Delta
Forgive your enemies, but never forget their names - John Kennedy
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H2ODOG
the one who never tires
Reged: 12/22/05
Posts: 10998
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Yep starter home for sure. Not a bad home for a dude that was 25 when he bought it. Vinyl....yep on three sides. Brick on the front. Its a great double stacked double wide. Engineering at its best. Its hell living in this dump but when I get my 2 excavators, and trackloader paid off next summer, we is Moving on Up like the Jeffersons. 
You keep workin for the man for the next 24 years and see where that gets ya. Let us know how things work out. Call me in Alaska or Costa Rica.
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It’s better to be hated for who you are, instead of loved for who you aren’t.
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foots
the exterminator
Reged: 12/14/05
Posts: 5241
Loc: by my spiritual advisor, Wu
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Will you quit forkin with dude Dog, so he can hep us dumbasses on the other important thread. We need an answer before he goes home for the day. 
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I was born kicking, screaming, and covered in someone elses blood. I have no problem goin out the same way.
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yukon2
member
Reged: 12/14/05
Posts: 730
Loc: The Crusades
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At least I know where I can turn for any financial consulting I may need.....carry on. 
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Stop Continental Drift!
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H2ODOG
the one who never tires
Reged: 12/22/05
Posts: 10998
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Quote:
Dos Gris said:
OK, Alaska,Texas,N.C.,Vermont????WTF......News flash...I
don't live there.
Yes dog, I'll pay a grease jockey $15 hr to change my
fuel filter, my time is worth more than that. And don't
worry about me, I came up the ladder by working. Hell I
can put an EMD together with my eyes semi closed. And
tell ya whats wrong with it by looking at the expansion
tank. I can do the job of everyone who works for me.
Put that in your crack pipe....BTW what do you do again,
dig ditches??? That must be tough.
B.
I believe the question was about checking the market lately....please stay on topic biatch. You THOUGHT the market had tanked here in MOMO.
I'm impressed...you can do everyone's job that works for ya. That make you the Stupidvisor then doesn't it. A stupidvisor workin for the man. Quite impressive. :rotfflmgdfao: :rotfflmgdfao:
I don't dig ditches, cut grass, trim bushes, or mow lawns. Please pay attention.
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It’s better to be hated for who you are, instead of loved for who you aren’t.
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Dos Gris
member
Reged: 12/14/05
Posts: 135
Loc: Transplanted
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Dog...remember to set aside around 15% of your job profit
for replacement cost on your equipment.
Don't worry, the man has been treating me good. Hell, I
could go into buisness for myself but I would have to go
backwards in life. Thats not a good plan.
If I wanted to go to Alaska or Costa Rica I would go.
The wife and I prefer Aruba though. And we don't put it
on a credit either. 
B.
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"Professional water-swatter"
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H2ODOG
the one who never tires
Reged: 12/22/05
Posts: 10998
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Sorry foots.....hey Stupidvisor math wizard go help us out on our delima. Make yourself more useless than ya aready are.
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It’s better to be hated for who you are, instead of loved for who you aren’t.
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Krazy
member
Reged: 12/14/05
Posts: 4861
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Quote:
Dos Gris said:
Dog...remember to set aside around 15% of your job profit
for replacement cost on your equipment.
Don't worry, the man has been treating me good. Hell, I
could go into buisness for myself but I would have to go
backwards in life. Thats not a good plan.
If I wanted to go to Alaska or Costa Rica I would go.
The wife and I prefer Aruba though. And we don't put it
on a credit either.
B.
Fork Aruba....try Cabo and not some dive in Cabo San Lucas neither. You ever hear of "One & Only"? Better yet...you ever stay at one?
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wuchang
spiritual advisor and gatekeeper to the Spirit World
Reged: 12/14/05
Posts: 5227
Loc: uphill
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I always knew that this place would be of assistance--
Several members of another forum got this email recently and wondered if the economic majors,deckhands and landscapers that shape US economic ploicy could tell them if this is a good deal
Greetings
I,General Kimbabwe Motumba, Nigerian Minister of Diesel Trucks,Rental Mobile Homes and Economics,request your assistance. Recent political unrest in Nigeria has threatened the value of my most coveted diesel trucks and my most beloved mobile home parks.
Scum dogs of Money Lenders are only willing to pay me 4% on this most excellent diesel trucks used only to pull front end loaders on Sunday and the mobile home parks only have graduate students and deckhands living there. These are finest kind investments and the mangy money lending dogs will not recognize these are fine investments.
I need your most gracious assistance to help me move Nigerian currency to United States banks.
Since Nigeria exports oil and is paid in annual sums, the USA banks ask that an American citizen be on the account to insure proper payment of any advances.
These advances are commonly good for 15 years of high interest payments due to the index of oil futures (considerably higher than the paltry and insulting 4% that the sons of mangy she dogs offer).
To assist me and in doing so assist your country, please forward me a cheque for $10,000 dollars for which you will be rewarded the sum of $100,000 and several mobile home rental units in Louisiana when the annual oil future money will deposited in the National Nigerian Bank accounts in the USA.
Sincerely
General Kimbabwe Motumba
Minister of Diesel Trucks,Rental Mobile Homes and Economics (who needs you to help him outwit the slobbering sons of slut she dogs, who should drug out into the streets and shot, then hung by their heels)
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