What's mildly irritating you today?

[Sundae]

Turns out we're travelling via Manchester, not Leeds. Have already nipped off and back with no worries. Noisy Eastern European man has got off, but new complement of passengers getting on and I have found myself in the middle of an African contingent, which is out of the frying pan and into the fire.

I don't judge people on their nationality (although previous experience is that they will be very noisy) but on their behaviour. I've already been barged about and the woman behind is already stuffing herself very VERY loudly while talking at top volume on her phone.

Disgusting.

Have to hope my earplugs are up to the job. And doubly hope I retain my double seat as this is the last stop now before London.

ETA - just pulling out of the bus station, double-seat safe!

[glatt]

Originally Posted by Sundae

ETA - just pulling out of the bus station, double-seat safe!

Sometimes, it's the small victories!

[Carruthers]

Originally Posted by Sundae

Have to hope my earplugs are up to the job.

An eminently sensible travel accessory.

I have a pair of same on the desk in front of me. Particularly useful when aged dad is watching TV with the volume turned up to just a shade lower than that created when Krakatoa exploded

[Aliantha]

Making fritatta out of leftover roast veges and other bits and pieces. The main thing thats bothering me is that i burnt my hand on the handle of the frypan. Also, its not setting properly. If it isnt set in another five mins, we're having scrambled eggs instead.

[DanaC]

Yech. That sucks. The toilet especially.

[footfootfoot]

In the midst of my car debacle and talking to the bank about a loan for a new and used car. A longish story, but the upshot is that The payments will be about the same, but the new car will be 5 years and the used car 3 years. It seems that the peace of mind for the extra two years of payments, (the warranty will still be in effect) make it worthwhile.

more after lunch

[lumberjim]

if the rate is the same or close, take as long as theyll give you for term. you can pay faster. you cant pay slower.

[footfootfoot]

Originally Posted by lumberjim

if the rate is the same or close, take as long as theyll give you for term. you can pay faster. you cant pay slower.

Meaning take a 7 year term?

Part two of the story is I fucked up my credit rating this year by ignoring my student loans during a bad spell of depression and generally feeling overwhelmed by all the other crap ® I had to deal with. I have squared up with sallie mae and am suitably chastened. But my bank does not want to love me long time without my wife co-signing the loan. (There's irony in that, but another day)

So after hemming and hawing she finally agreed. This morning I got an email from her saying she'd gotten cold feet after reading about co-signing.

I reminded her that the mortgage of the house she lives in is in my name and effectively, I am co-signing THAT loan for her.

Bunch of crap. We'll see later today what will happen.

[lumberjim]

if the rate is the same, yes.
here's why:

On paper, your payment will be much lower than it would if you did a 5 year, but you can always pay them the 5 year amount and it will pay off in that 5 years. but next time you need to borrow, your DTI ( debt to income ) ratio will appear lower.
You just have to have the discipline to make that higher than required payment EVERY month.

[footfootfoot]

Does the rate need to be exactly the same or can it be off by a few tenths of a percent?

[DanaC]

Originally Posted by DanaC

Yech. That sucks. The toilet especially.

That btw, was in response to Sundae, not Ali :P

[lumberjim]

Originally Posted by footfootfoot

Does the rate need to be exactly the same or can it be off by a few tenths of a percent?

Calculate the 5 year payment based on the longer term rate, and if you're comfortable, then fine. Another good part is that if you do have a tough month, you can make that lower payment instead of being late if it's too high. Just be sure to only do that if you must.... And catch it up when you can.

[Aliantha]

The package I sent to sundae obviously has still not arrived. That is really annoying me. :/

[Gravdigr]

This would be in the 'What's Pissing You Off' thread, but, Kanye doesn't matter enough to actually piss me off.

Somebody just shoot me a little. You can even use my gun...

[infinite monkey]

Imma let you finish, but Tommy Hilfiger had thr best t-shirt EVER.