airdvr

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Everything posted by airdvr

  1. Pretty sure that misunderstanding was the intent of the manufacturer. Please don't dent the planet. Destinations by Roxanne
  2. My first PC felt like I was blasting around the sky Please don't dent the planet. Destinations by Roxanne
  3. airdvr

    F**king rain...

    http://www.newsnet5.com/dpp/weather/weather_news/impressive-rainfall-totals-slam-northern-ohio-again Global raining Please don't dent the planet. Destinations by Roxanne
  4. airdvr

    F**king rain...

    Fuck Please don't dent the planet. Destinations by Roxanne
  5. Not until they remove the folks who orchestrated that fiasco from positions of power in DC. Please don't dent the planet. Destinations by Roxanne
  6. Incomes are flat because of oil prices... Incomes are flat because we outsourced our manufacturing Incomes are flat becasue we allowed Wall Street to reem our asses over the last 20 years Incomes are flat because the government invents new, costly regulations every day The list goes on and on. Please don't dent the planet. Destinations by Roxanne
  7. Seemed like it was up...then it wasn't Please don't dent the planet. Destinations by Roxanne
  8. http://www.wikihow.com/Trace-an-IP-Address They'll find you. They really need to silence this type of talk. Please don't dent the planet. Destinations by Roxanne
  9. Poor dog Please don't dent the planet. Destinations by Roxanne
  10. How does heat and A/C work in one of those? Please don't dent the planet. Destinations by Roxanne
  11. What was the sticker on that? Please don't dent the planet. Destinations by Roxanne
  12. That picture was taken before I started drinking tonight. So I guess your date for the evening got hung up and couldn't make it? Please don't dent the planet. Destinations by Roxanne
  13. I thought it was now referred to as 'OJ Simpson day'? That's next week's Nat'l I Didn't Do It Day. Please don't dent the planet. Destinations by Roxanne
  14. ...not my fault Please don't dent the planet. Destinations by Roxanne
  15. Darwinism at work Please don't dent the planet. Destinations by Roxanne
  16. Is this you dumping on Barry? Please don't dent the planet. Destinations by Roxanne
  17. Being from Cleveland I've been half-watching Demjanjuk's trials for 20 years now. I believe he was a guard at Treblinka. He may have been directly involved in the killing. Problem is there is no real evidence. Either way he's been worked over for the last 20 years, what's another 5? Please don't dent the planet. Destinations by Roxanne
  18. Only if the greedy millionaire football players want it that way. Baseball learned in '94. Football will learn too. http://www.youtube.com/watch?v=RoKGwrNnT-o Please don't dent the planet. Destinations by Roxanne
  19. You need to watch 'Inside Job'. - Please don't dent the planet. Destinations by Roxanne
  20. He's going for that 14 year degree dontcha know. Please don't dent the planet. Destinations by Roxanne
  21. No. Rule changes like these will just limit sales at unsustainable prices and help us recover to the historic situation of near-zero inflation adjusted home price increases since 1945. Although people like to talk about what a bargain homes are now that the national average is 33% down from the peak and suggest we need a "recovery" back to the peak they're ignoring the fact that we're still 25% above the long term trend line with furthur decreases needed for a recovery. Housing prices cannot increase faster than household income, either because household income is directly paying the mortgage or household income is paying the rent which needs to be high enough for the capital costs to make sense. Household income is not increasing in real dollars. True but you're ignoring a fact of life that isn't going away anytime soon. Tons of folks bought in the 2004-2007 range when things were booming. They are now a best case scenario of no equity, and worst case underwater. We need prices to recover somewhat or the economy will continue to sputter. Over the past 3 years our uncle has repeatedly intejected himself in attempts ot jump start the economy with miserable results. Too big to fail has become too stupid to know any better. Please don't dent the planet. Destinations by Roxanne
  22. Pfft. Bin Laden's done the Vinson, too. Please don't dent the planet. Destinations by Roxanne
  23. These are non-FHA loans but backed by Fannie Mae. FHA guidelines changed on April 18th raising the premium for Private Mortgage Insurance and lowering the Debt To Income ratios to around 41%. The jury's still out but a bubble is not the concern. More like a dead cat bounce. One of the keys to a recovery is new housing starts for the simple fact of how many people are put to work building a new home. The government missed the mark last spring when they offered tax credits to anyone who bought a home. When you buy an existing home you put 2 or 3 people to work. http://www.builderonline.com/builder-pulse/if-it-looks-like-a-double-dip--why-not-call-it-that--here-s-a-reason.aspx?cid=NWBD110509002 Please don't dent the planet. Destinations by Roxanne
  24. As of this morning a 2nd bubble will be alot less likely... If you are buying / building a new home and you either have a home to sell that hasn't sold yet OR are keeping the existing home as a second home OR as a rental, the following rules now apply: 1. If the LoanToValue on the OLD home is 75% or less (appraisal needs done), the borrower needs 2 months or reserves for both the old home AND the new home!!! 2. If the LTV on the OLD home is > 75% (appraisal needs done), the borrower needs 6 months or reserves for both the old home AND the new home!!! So many existing homes have < 25% equity these days. For example, if the payment on the old home is $800 and the new home will be $1100, the borrower will need $11,400 money left over after the loan closes or else they do not qualify!!!!! Very tough. Rule changes like these, although they look good on paper will further stifle the recovery. Please don't dent the planet. Destinations by Roxanne
  25. I remember the first time I saw him on TV. I laughed that the stupid TV people had left the 't' out of his first name. Please don't dent the planet. Destinations by Roxanne