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Post by Mr. Atari on Jul 15, 2010 19:35:53 GMT -5
Yeah, but do you have a hula skirt on?
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Post by Mr. Atari on Jul 15, 2010 9:44:26 GMT -5
A short sale can be tough to work out. The original note may have a clause indicating that any short sale has to be approved by the note-holder. Rolling the remainder of the original note into the new one may upset the equity ratios and may make it tough to find someone willing to supply the new mortgage note. I don't know the financial details involved, so I'm speaking in generalities. Yeah, it would only work if you had the right lenders and a high enough credit rating. There's also a lot in the recent bailout plan to help banks help good customers who are upside-down on their notes. Just last week, I got a call from Wells Fargo (our lender) offering a restructured loan with a 2% rate decrease, since we owe more than our house is worth*. It won't cost us a thing, because Uncle Sam gives them a stipend for every one of these they do. After all, everyone wins when paying customers stay in their homes. So for a measly trillion or so for the next generation of taxpayers to pay, I can save a hundred bucks a month on my mortgage. Viva Democrats! *We bought in 2007. We love the house and the area and plan on staying here for a long time, so it's not as severe a situation as the Cupcakes. But it still is very unnerving to be upside-down.
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Post by Mr. Atari on Jul 15, 2010 9:27:15 GMT -5
I'm Affyland agnostic. You can't prove one way or the other that it exists. In fact, those of you who do believe are just deluded and deceived. Dim, in fact. We "shinys" are too smart to be taken in by your myths. Affyland is no more real than the Tot Fairy who brings fried potatoes to little Swedish children on Valborgsmässoafton Eve. That's not what the leather bound book that stays in my nightstand, next to the assorted lubes and creams, says. Well, then I'm going to be patronizing and condescending to you because I find you gullible and out of touch. Stop trying to force Affyland (and, to a lesser extent, the Tot Fairy) down my throat! And you may want to check the expiration dates on some of those bottles. You don't want to take any chances with old lube. Trust me.
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Post by Mr. Atari on Jul 15, 2010 9:20:47 GMT -5
Would you be buying again in the place you'd like to move?
If so, taking a $6K-$16K hit on a short sale might not be the worst thing in the world. If your credit is sterling, then you will most likely qualify for good interest rate on a new loan. And rates have come down drastically since 2003.
So if you find a house you like somewhere else, and you qualify for an interest rate that's, say, 3% better than what you have now, adding $10K to the value of the new loan won't amount to much of a difference at all in your monthly payment.
While you'll still eat the difference, you'll be eating it over 30 years in a new mortgage on a house you'll want to live in while the market recovers.
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Post by Mr. Atari on Jul 15, 2010 9:10:26 GMT -5
I'm Affyland agnostic. You can't prove one way or the other that it exists. In fact, those of you who do believe are just deluded and deceived. Dim, in fact. We "shinys" are too smart to be taken in by your myths. Affyland is no more real than the Tot Fairy who brings fried potatoes to little Swedish children on Valborgsmässoafton Eve.
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Post by Mr. Atari on Jul 15, 2010 0:16:31 GMT -5
Don't even TRY to reason with the communist and fascist Atari administration! Wait, we're communist AND fascist? That sounds like a lot of work. And I'm lazy. Sooooo lazy. You've heard of the government of the elite? We're more of a government of the lying down. Less of a democracy and more of a hammock-racy.
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Post by Mr. Atari on Jul 14, 2010 23:50:16 GMT -5
What does it say that the "You Suck" thread is up to 5 pages, and this one is stuck on page 2? Do we really crave negative reinforcement that much? C'mon, guys! Pull yourselves together! You can be as awesome as you feel! And you can feel as awesome as you want! And to help you feel more awesome, here's a picture of a giraffe licking a squirrel.
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Post by Mr. Atari on Jul 14, 2010 11:02:14 GMT -5
What I'm thrilled about is that if it goes down as the worst thread in Sloane history, then my initial thesis is proven valid.
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Post by Mr. Atari on Jul 14, 2010 10:39:54 GMT -5
I thought I would never stop itching...
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Post by Mr. Atari on Jul 14, 2010 9:58:06 GMT -5
In the "Rock Climbing" picture, you will find Mary Jo Pehl & our very own Mitchell are featured prominently. In the "Jewish Guy" photo, we have (in no particular order): Dr. Z, Hoss Ragen, siamesesin, McCloud, crowfan, RAD, phantom, bonfiregal, and Scotty (aka Changebgoode) as the titular "Jewish Guy". Also appearing are Truck Farmer and Hellcat as ninjas. Try and find them! Mitchell was not available for the photo op. If memory serves, he was in the bathroom doing blow most of the weekend. For those who don't know, these pictures were taken at the legendary 2007 Denver Meet-Up. Here's a full recap of the event. Still with many pictures!
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Post by Mr. Atari on Jul 14, 2010 9:07:28 GMT -5
Two sites that take up way more time than is probably healthy: www.sporcle.comA completely addictive quiz site. Like playing Jeopardy until your brain melts. www.kingdomofloathing.comA very fun and funny role-playing game that spoofs role-playing games, as well as basically everything else. Tons of MST references and other hilarity.
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Post by Mr. Atari on Jul 14, 2010 2:52:48 GMT -5
Don't do it, Mummi.
The reason the job is available is because with the last guy he said it was astroglide, but it was really Ben Gay.
And what he said were Bac-o-bits were really Pop Rocks.
He's tricky, that one.
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Post by Mr. Atari on Jul 13, 2010 0:55:26 GMT -5
Quick! Nobody post anything, so we can say ilmatto killed this thread.
Oh, wait...
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Post by Mr. Atari on Jul 13, 2010 0:52:11 GMT -5
Was Whiz Kids like a younger version of Misfits of Science?
Which reminds me...Misfits of Science.
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Post by Mr. Atari on Jul 12, 2010 23:16:51 GMT -5
"Howie came unglued?" "Oh, no. Howie was a rock, the best tailgunner in the outfit. Buddy came unglued." "And he bailed out?" "No. Andy hung tough. Buddy bailed out. How he survived, it was a miracle." "Then Howie survived?" "No, 'fraid not. We lost Howie the next day."
-Prosecutor & Witness Airplane II
Y
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