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anything and everything

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[_strat_] Wednesday, March 25, 2009 7:59:16 AM

Youre telling me? I have many talents, and Im very modest too. Infact, you could say that modesty is just one of my many traits.

[Show/Hide Quoted Message] (Quoting Message by Deep Freeze from Wednesday, March 25, 2009 7:58:00 AM)

[Deep Freeze] Wednesday, March 25, 2009 7:58:00 AM

Ah, my friend! I am a man of many talents!
[Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 25, 2009 7:55:24 AM)

[_strat_] Wednesday, March 25, 2009 7:55:24 AM

Nah... You dont have to be like him (although you do a very good impression of him - talk to him, learn his language!). Ive just posted a pic of Darth Vader with the lines "I find your lack of win disturbing - may the fail be with you". That was enough to set him off.

Since when do you speak Hebrew?
[Show/Hide Quoted Message] (Quoting Message by Deep Freeze from Wednesday, March 25, 2009 7:40:07 AM)

[Deep Freeze] Wednesday, March 25, 2009 7:40:07 AM

HA!!!!!!!!!!!!!!!!!!!!!! It is a Yiddish (Jewish) word. It means "nothing." HAHAHAHAHAAA!!!!!!! I had NO idea that I would need to go to such great lengths to get a "rise" out of that idiot. I do not wish to engage him that badly! I really do not think he will be back. Justin seems to have made his point quite clear!
[Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 25, 2009 7:32:10 AM)

[_strat_] Wednesday, March 25, 2009 7:33:10 AM

Wait.... Are we still talking about banks and loans, or what?
[Show/Hide Quoted Message] (Quoting Message by Head banger from Wednesday, March 25, 2009 7:23:50 AM)

Head banger wrote:

I meant others as in family and friends. why would they give it to people outside that group.

_strat_ wrote:

Pass it down... They lend it down, to make more money. Its not solidarity.

Head banger wrote:

is it moral to expect part of the world to suport people in a new lifestyle that they were acustomed too because they had introduced new money and toys?

the system of interest is as old as time itself. you borow, you give back more than you took. people create wealth, and pass it down to others.

_strat_ wrote:

Strat is back!

Well, if I read this and the post about the "bundled up" loans... Youre right, I didnt understand it, and frankly, I dont very well even now. BUT... The fact is still that most wealth is held by the minority of people. They loan it out to the rest of us, on their terms. They have created a system that is very complicated, and yet you have to participate in it, if you want to buy a home, buy a new car... Most people have to, anyway. So, if we are talking about the blame - guess who I put it on.

Then there is the whole international thing. We (and Im talking about most of the "rest of the world" as you would put it) have certainly NOT created this crisis - this crisis came to us from the west. Now, because Americans and Western Europeans cannot afford to buy crap, we get less production, we get layoffs... We get as much shit as we can, before it starts to seriously affect you. The problem is that its the western companies that came here with work in the first place, created a dependency for it, and are now withdrawing it.

Now, I guess its down to moralising and "the flowery rights and wrongs" again... But I dont think there ever was a better time for it than now.

Yup. That was my "final" word on the subject... For now, anyway.

		Deep Freeze wrote:

		Good Day to you all!!! Very quiet here, I see. Hopefully, we are all studying about mortgages and interest!! HA!!!!!!! Where the hell is strat??? OK, my "final" words on this subject; This is not a matter of "simple" interest. This is about amortized mortgage interest. An amortization table will show you how direct-reduction works. When you initially take a mortgage loan, your monthly payment is mostly interest and a little principal. In the first seven years or so, you pay only about 10% of the original balance. The rest is interest payment. It takes roughly 20 years to pay about HALF your balance! Of course, the amount of the principal paid does increase year after year and, in the last five years or so, you get a reversal and are paying mostly principal and little interest. Keep in mind that, no matter how small the interest payment, you still are paying at the same interest rate. 6% is always 6% throughout the life of your loan. The interest you are paying is on the amount that is outstanding in any given year. The dollar amount of interest you pay goes down because the balance (principal) goes down. The interest rate is still constant. There are ways to get around the dollar amount paid. It is known as acceleration. Most people do this by paying a half-payment every two weeks instead of once a month. (Bi Weekly) this reduces the dollar amount of interest you pay IF you have a loan that allows it. THERE is ANOTHER story!! Pre-payment penalties! Usually, you are not allowed to pay more than 20% of the outstanding balance in any given year because banks WANT that *interest dollar*! There is more but I think I have made my point. I have done this for TWENTY freakin years. It is not a simple formula. MOST people do not understand it and they pay far more than they have to as a result. Class dismissed.

[_strat_] Wednesday, March 25, 2009 7:32:10 AM

Lol... No, no, no... I doesnt work that way!!! Lmao... You have to PM him first! Push his buttons!

Oh, and I know I will probably regret asking this, but what is bubkus?
[Show/Hide Quoted Message] (Quoting Message by Deep Freeze from Wednesday, March 25, 2009 7:26:47 AM)

[Deep Freeze] Wednesday, March 25, 2009 7:26:47 AM

He actually PM'd you, strat???? You're kidding? After I flamed him or before I did so?? You know, that is NOT fair! I go over there, post as nasty a set of comments as I am capable, call him everything I can think of, do everything but bring his mother into it and I get NOTHING! ZIP! NADA! BUBKUS!!! I believe I have wasted a great rant!!! HA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

[Head banger] Wednesday, March 25, 2009 7:23:50 AM

I meant others as in family and friends. why would they give it to people outside that group.
[Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 25, 2009 4:42:38 AM)

_strat_ wrote:

Pass it down... They lend it down, to make more money. Its not solidarity.

Head banger wrote:

_strat_ wrote:

		Deep Freeze wrote:

		Good Day to you all!!! Very quiet here, I see. Hopefully, we are all studying about mortgages and interest!! HA!!!!!!! Where the hell is strat??? OK, my "final" words on this subject; This is not a matter of "simple" interest. This is about amortized mortgage interest. An amortization table will show you how direct-reduction works. When you initially take a mortgage loan, your monthly payment is mostly interest and a little principal. In the first seven years or so, you pay only about 10% of the original balance. The rest is interest payment. It takes roughly 20 years to pay about HALF your balance! Of course, the amount of the principal paid does increase year after year and, in the last five years or so, you get a reversal and are paying mostly principal and little interest. Keep in mind that, no matter how small the interest payment, you still are paying at the same interest rate. 6% is always 6% throughout the life of your loan. The interest you are paying is on the amount that is outstanding in any given year. The dollar amount of interest you pay goes down because the balance (principal) goes down. The interest rate is still constant. There are ways to get around the dollar amount paid. It is known as acceleration. Most people do this by paying a half-payment every two weeks instead of once a month. (Bi Weekly) this reduces the dollar amount of interest you pay IF you have a loan that allows it. THERE is ANOTHER story!! Pre-payment penalties! Usually, you are not allowed to pay more than 20% of the outstanding balance in any given year because banks WANT that *interest dollar*! There is more but I think I have made my point. I have done this for TWENTY freakin years. It is not a simple formula. MOST people do not understand it and they pay far more than they have to as a result. Class dismissed.

[_strat_] Wednesday, March 25, 2009 7:07:38 AM

Yup. I heard a good phrase for it once: "the engine is fine... Theres just nobody behind the wheel."
I so hope hes reading all this...
[Show/Hide Quoted Message] (Quoting Message by Darth_Painkiller_0870 from Wednesday, March 25, 2009 6:55:45 AM)

[Return_of_Darth_Painkiller_0870] Wednesday, March 25, 2009 6:55:45 AM

Oh, he can read...just not comprehend. It's like being given a brain but no drive to put it to use.
[Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 25, 2009 6:03:40 AM)

[_strat_] Wednesday, March 25, 2009 6:03:40 AM

Youre giving him too much credit - as if he can read.

He is great at threatening. He already PMd me something about "ending my world", after Ive sent him a "may the fail be with you"...

Yup... Much fail I sense in him...
[Show/Hide Quoted Message] (Quoting Message by Darth_Painkiller_0870 from Wednesday, March 25, 2009 5:54:13 AM)

[Return_of_Darth_Painkiller_0870] Wednesday, March 25, 2009 5:54:13 AM

LOL...I do give him credit for bringing his dumbass back for more. Stupid is as stupid does I guess. I hope that Forrest Gump reject reads this post, so he can see that I'm not threatened by him or his dumbass antics.
[Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 25, 2009 5:48:34 AM)

[_strat_] Wednesday, March 25, 2009 5:48:34 AM

Lol... Ive seen him. Well, he is persistent, to say the least.
[Show/Hide Quoted Message] (Quoting Message by Darth_Painkiller_0870 from Wednesday, March 25, 2009 5:34:01 AM)

[Return_of_Darth_Painkiller_0870] Wednesday, March 25, 2009 5:34:01 AM

Good Morning all!

I have to say that (having never oned or bought a house), I know only a small fraction of what you're saying Freeze about mortgages (and I do mean a small fraction).

MG, for goodness sakes woman!   It would be FARRRRRRRRRRRR simpler and less costly to download and use Turbo Tax then to take to H & R Error.

And I will continue to say that Obama is an amateur playing with a bunch of professionals and he's not faring well.   But that's a subject for the politics thread.

Also, has anyone gone over to the newbie area recently? It seems an old nemisis has returned. PM me for details.

[ron h] Wednesday, March 25, 2009 5:23:12 AM

Hi strat...off to work...have a good one!!!

[_strat_] Wednesday, March 25, 2009 4:43:10 AM

Good late morning! Where is everyone?

[_strat_] Wednesday, March 25, 2009 4:42:38 AM

Pass it down... They lend it down, to make more money. Its not solidarity.
[Show/Hide Quoted Message] (Quoting Message by Head banger from Tuesday, March 24, 2009 5:47:20 PM)

Head banger wrote:

_strat_ wrote:

		Deep Freeze wrote:

		Good Day to you all!!! Very quiet here, I see. Hopefully, we are all studying about mortgages and interest!! HA!!!!!!! Where the hell is strat??? OK, my "final" words on this subject; This is not a matter of "simple" interest. This is about amortized mortgage interest. An amortization table will show you how direct-reduction works. When you initially take a mortgage loan, your monthly payment is mostly interest and a little principal. In the first seven years or so, you pay only about 10% of the original balance. The rest is interest payment. It takes roughly 20 years to pay about HALF your balance! Of course, the amount of the principal paid does increase year after year and, in the last five years or so, you get a reversal and are paying mostly principal and little interest. Keep in mind that, no matter how small the interest payment, you still are paying at the same interest rate. 6% is always 6% throughout the life of your loan. The interest you are paying is on the amount that is outstanding in any given year. The dollar amount of interest you pay goes down because the balance (principal) goes down. The interest rate is still constant. There are ways to get around the dollar amount paid. It is known as acceleration. Most people do this by paying a half-payment every two weeks instead of once a month. (Bi Weekly) this reduces the dollar amount of interest you pay IF you have a loan that allows it. THERE is ANOTHER story!! Pre-payment penalties! Usually, you are not allowed to pay more than 20% of the outstanding balance in any given year because banks WANT that *interest dollar*! There is more but I think I have made my point. I have done this for TWENTY freakin years. It is not a simple formula. MOST people do not understand it and they pay far more than they have to as a result. Class dismissed.

[ron h] Wednesday, March 25, 2009 4:13:22 AM

good night Becks

[Show/Hide Quoted Message] (Quoting Message by Becks from Wednesday, March 25, 2009 4:09:43 AM)

[Becks] Wednesday, March 25, 2009 4:09:43 AM

LOL JD

Hiya Ron, sounds like bizarre weather you have there.
I'm off to bed, feeling pretty knackered LOL. Night all

[Show/Hide Quoted Message] (Quoting Message by J.D. DIAMOND from Wednesday, March 25, 2009 4:08:27 AM)

[J.D. DIAMOND] Wednesday, March 25, 2009 4:08:27 AM

I'm doing fine thanks,just listening to "Leather Rebel" ....and laughing because a couple of years ago there was a member named "Solar Angel" and he loved this song and I destroyed him when I posted a picture of "Barney Rubble"(cartoon character from The Flintstones) and told him to sing this in place of Leather Rebel"!! lol! From that point on,all he thought of when the chorus came was "Barney Rubble"....Lightning In The Dark"!!! lol!

[Show/Hide Quoted Message] (Quoting Message by Becks from Wednesday, March 25, 2009 4:02:03 AM)
Edited at: Wednesday, March 25, 2009 4:09:10 AM

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