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#5386 |
polaroid of perfection
Join Date: Sep 2005
Location: West Yorkshire
Posts: 24,185
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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! |
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#5387 |
™
Join Date: Jul 2003
Location: Arlington, VA
Posts: 27,717
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#5388 |
Junior Master Dwellar
Join Date: Dec 2009
Location: Buckinghamshire UK
Posts: 4,059
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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 |
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#5389 |
trying hard to be a better person
Join Date: Jan 2006
Location: Brisbane, Australia
Posts: 16,493
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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.
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Kind words are the music of the world. F. W. Faber |
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#5390 | |
We have to go back, Kate!
Join Date: Apr 2004
Location: Yorkshire
Posts: 25,964
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Yech. That sucks. The toilet especially.
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#5391 |
To shreds, you say?
Join Date: Aug 2004
Location: in the house and on the street-how many, many feet we meet!
Posts: 18,449
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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
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The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs |
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#5392 |
I can hear my ears
Join Date: Oct 2003
Posts: 25,571
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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.
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This body holding me reminds me of my own mortality Embrace this moment, remember We are eternal, all this pain is an illusion ~MJKeenan |
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#5393 | |
To shreds, you say?
Join Date: Aug 2004
Location: in the house and on the street-how many, many feet we meet!
Posts: 18,449
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Quote:
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.
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The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs |
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#5394 |
I can hear my ears
Join Date: Oct 2003
Posts: 25,571
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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.
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This body holding me reminds me of my own mortality Embrace this moment, remember We are eternal, all this pain is an illusion ~MJKeenan |
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#5395 |
To shreds, you say?
Join Date: Aug 2004
Location: in the house and on the street-how many, many feet we meet!
Posts: 18,449
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Does the rate need to be exactly the same or can it be off by a few tenths of a percent?
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The internet is a hateful stew of vomit you can never take completely seriously. - Her Fobs |
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#5396 | |
We have to go back, Kate!
Join Date: Apr 2004
Location: Yorkshire
Posts: 25,964
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That btw, was in response to Sundae, not Ali :P
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#5397 |
I can hear my ears
Join Date: Oct 2003
Posts: 25,571
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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.
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This body holding me reminds me of my own mortality Embrace this moment, remember We are eternal, all this pain is an illusion ~MJKeenan |
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#5398 |
trying hard to be a better person
Join Date: Jan 2006
Location: Brisbane, Australia
Posts: 16,493
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The package I sent to sundae obviously has still not arrived. That is really annoying me. :/
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Kind words are the music of the world. F. W. Faber |
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#5399 |
The Un-Tuckian
Join Date: Apr 2007
Location: South Central...KY that is
Posts: 39,517
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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...
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#5400 |
Person who doesn't update the user title
Join Date: Mar 2011
Posts: 13,002
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Imma let you finish, but Tommy Hilfiger had thr best t-shirt EVER.
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mild cheddar |
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