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idigTexas

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Posts posted by idigTexas

  1. 10 minutes ago, Pokoloco said:

    Looking for some advice from you 1% ers.

    Due to a series of unfortunate events, we've racked up $57,000 in CC debt,  paying $1450.00/mo

    My home is worth $220,000, we owe $78,000 at 3.25%.  $1500.00/mo

    We're just squeaking by month to month with the extra $1450/mo on top of all our normal living expenses.

    I want to refi, squash the debt- still have some equity.  My wife wants to sell the house, she has this one track mind on owning a house outright by the time we're 60 and I can't convince her otherwise.  We're 52 years old, I'm not looking to uproot and move to a shitty house when we can basically buy our nice(for South OKC) $220,000 house for $135K. We have $372,000 in a 401K that will (should) keep growing, so when I retire I can pay off whats left of the mortgage.

    Any input is appreciated.

     

    I don't understand.  Your wife wants to sell the house on which you owe $78,000, but wants to own a home outright within 8 years?  What is her plan for making that happen?

    You'll need to do the math on what a refi will truly cost you with closing fees, new interest rates, and such.  You will essentially be converting the CC interest rate to whatever your home interest rate is.  You may or may not be saving any money, and if you pay less on your total debt per month, it may end up costing you more.  That said, it may still be worth it to you you just don't feel that you can keep paying for both. 

    Cut up your credit cards.

    I would not touch my 401K under any circumstances aside from terminal illness.

     

    • Like 1
  2. I know there are other Corona threads, but thought we needed one specifically for how travel is expected to be impacted throughout the year.  We are already seeing the price of jet fuel coming down due to cancelled flights, but the airline industry as a whole is expected to lose 30 billion dollars in 2020, and that will likely go up.  What does this mean for ticket prices?  Is it best to buy well in advance (NOW), hoping that travel isn't banned by the time you intend to fly, or are most of you going to take a "wait and see" approach, at the risk that flights will cost both kidneys and a spleen?

  3. 35 minutes ago, Chuckie Finster said:

    I believe Sandra's idol was good for three tribals, but I could be mistaken.  And yeah, no idea why she was the recipient.  Maybe Natalie figured Sandra was the most likely target/most likely to actually buy it?

    That's a good point, though I think anyone would have.

  4. 39 minutes ago, Chuckie Finster said:

    Pretty sure Natalie had to give immunity to someone going to the next tribal, which wasn’t Jeremy. And I think Denise kind of feels in between new and old, so I think her initial connection with Adam is what she’s clinging to. The rest, yeah I got nothing.

    You may be right about Nat, but why give an advantage to Sandra ever?  I don't think it was only good for one tribal, as Sandra did not use it, but could be wrong. 

    I guess Denise qualifies more for new school than old, but it was dumb to share the idol with Adam.  Since she had to share it, she may as well have just chosen Ben, even if he is a buffoon. 

  5. I still cannot figure out how some of these people won their seasons.  Yeesh. 

    Why did Natalie sell immunity to Sandra before Jeremy?

    Why did Sandra send Amber to Extinction Island, knowing that she might be able to help Rob in some way?

    Why did Denise share her idol with a conniving new schooler?

    Why do so many people find it so hard to keep their mouths shut?

    Still on team Yul. 

  6. 2 hours ago, dcar00 said:

    its gotta be hard to come to grips with the fact that of the 3 world "championships"

    world series - blatant cheating

    1st NBA title - Jordan needed to retire

    2nd NBA Title - Jordan didn't come back until halfway through the season.

    legitimately could be 0-fer but can give them 1/2 of one.  Michael Jordan should never have to buy a meal or drink in the city of Houston ever again.

    The Astros cheating their way to a World Series win is a legit gripe.  Belittling the Rockets championships is just petty aggy shit, and this coming from a Mavs fan.  Dallas fans have plenty to be proud of without stooping to "what if" asterisk bullshit.  No one knows what would have happened if Jordan played and was in top form those two seasons.  The Rockets were the best in the NBA is it existed those two season.  Hats off to them.  That said, their fans can suck it.     

  7. 9 minutes ago, Bartles said:

    The tweets above are helpful, but can someone dumb down for me what their advantage was? Is there a Cam Newton out there who obviously got them trophies they wouldn't have won otherwise?

    If it's just a matter of City secretly having more to spend on salaries, how would that not be obvious right away? Aren't all the salaries and transfer fees made public?

    Simplistically said, a club is only allowed to spend as much as they earn.  MC claimed that their earnings where greater than they were by inflating their income from sponsorships.  This allowed them to spend more on players then they otherwise would have been able to do.

    • Like 1
  8. I hate to admit it, but I enjoyed the first episode.  Maybe it's because all of these people have previously won, but all the twists aren't really bothering me.  It will be interesting to see if the only way to get a hidden immunity idol is by buying one with tokens.   

    Sandra is still Sandra, and Rob is still Rob.  Sandra should always go first, not because she is a threat to win, but because she can fuck up your game so effortlessly for no reason whatsoever.  Rob tends to be a bit more stable until he needs to make moves, but it is a bad idea to keep him around too long.

    I'm a bit surprised how many players are in complete fanboy mode. 

    I expect my "don't want them to win" list will grow over time, but so far it is limited to Sandra, Rob, Tony, and Amber (only because of Rob).  That said, I find myself rooting for Yul. 

     

     

     

  9. 1 hour ago, Landomatic said:

    Don't want me to smoke on the plane...take out the ashtrays.  Don't want me to to recline on the plane...take out the recliners.

    Anyone who doesn't think people should recline on airplanes should take their angst out on the plane maker/airline, not the person reclining.  The functionality is there to use, just like the light and the fan.

    I get it.  It isn't your responsibility to correct the failings of the airline.  But wouldn't it be great if everyone decided to make situations that weren't ideal better?  I suppose you walk past litter that has blown out of a trashcan or that someone else has thrown on the ground?  Why wouldn't you.  It's not your responsibility.  That is someone else's trash or job.  Making the world a better place is for all the other people.       

    • Like 3
  10. I just got around to it within the past week.  Much like the Expanse, I found the first couple of episodes confusing as they introduced all the characters and plot lines.  By the end of episode 3, I was hooked, even if it is a bit dark for my personal tastes.  I would like more background/history of the various races.   

  11. 8 hours ago, Zavala said:

    This shit any good? I've read through all the books but I couldn't get into the first couple episodes of this show.

    I kinda liked Neil Asher better but these books have been great too.

    No.  Everyone is praising it and impatiently awaiting the next season because it completely sucks. 

    • Like 4
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