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Breatharianism
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Feb 7, 2015 23:03
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| # ? Jun 9, 2024 18:53 |
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We're going to come full circle and start making snake oil bullshit with random radioactive elements in them again. Take your radium for a nice healthy glow 
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Feb 7, 2015 23:06
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the sun gives you radiation on the outside, let us put radiation on the inside too! its good for you!
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Feb 7, 2015 23:09
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Slim Pickens posted:No shampoo, just nothing but greasy wooden combs. It's funny watching the next im gonna guess polio with the way things are going
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Feb 8, 2015 00:45
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Not having Facebook is the greatest thing ever. I swore off social media a few months back and I'm so much happier not seeing all the bullshit people spew all day every day. I have been working in SF a lot lately, and two of my coworkers there do dumb hippy poo poo. One of them is "sensitive" to gluten, but every now and the. When we are eating I will see him sneak a piece of bread or he will forget that beer has gluten in it too. It wouldn't bug me, but he is constantly lecturing us on how bad wheat and barley are for you. Other dude doesn't eat artificial sweeteners and was lecturing me on drink diet coke, mind you he has gout and eats tons of iron rich foods, so whatever. SF is pretty cool, but I'm glad I don't have to go out there any more for a few months. Lots of stupidly hot women, and tons of good food everywhere, but the traffic sucks and the airport is lovely and always has delays due to weather.
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Feb 8, 2015 01:50
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Casually tossing around the idea of getting a house instead of renting another year (3 months and change out from lease renewal). Any of you fuckers have any experience with the VA home purchasing shenanigans? I'm paying about 1300 after utilities/mo and intial mortgage calculations for things in the 150k range are substantially less enough to get the idea past the "you are out of your damned mind" phase.
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Feb 8, 2015 05:07
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SquirrelyPSU posted:Casually tossing around the idea of getting a house instead of renting another year (3 months and change out from lease renewal). Any of you fuckers have any experience with the VA home purchasing shenanigans? I'm paying about 1300 after utilities/mo and intial mortgage calculations for things in the 150k range are substantially less enough to get the idea past the "you are out of your damned mind" phase. I've done it, it's not too terrible, the bank handles most of the details as far as ensuring the house passes whatever the VAs standards are, but I have heard of the VA going crazy on inspections and turning down super lovely properties. So they probably won't let you buy a house that's about to fall down, but obviously, they aren't going to guarantee that your house isn't a massive piece of poo poo. If you are buying in a popular area, watch out for realtors that specialize in VA sales, they will get you excited about a house, get you to make an offer, get an inspection and appraisal, and then the sellers will "pull" the house off the market for a few weeks and then list it at a higher price. If you are planning on staying in the area you are looking to buy in for more than three years it probably isn't a bad idea to look at buying, don't forget to figure in property taxes and HOA fees, some areas have stupidly high property taxes.
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Feb 8, 2015 05:28
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bengy81 posted:I've done it, it's not too terrible, the bank handles most of the details as far as ensuring the house passes whatever the VAs standards are, but I have heard of the VA going crazy on inspections and turning down super lovely properties. So they probably won't let you buy a house that's about to fall down, but obviously, they aren't going to guarantee that your house isn't a massive piece of poo poo. I live in South Central PA on the right side of the Susquehenna (immune to the continuous suburban Philadelphia expansion) so that's not really a big deal, and gently caress HOA's. Never ever ever ever. I do live close to NSA Mechanicsburg so that is a consideration.
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Feb 8, 2015 05:33
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I'm probably going to be in the same boat soon, in a year or two. We got some stuff to take care of first. and then somehow find a buyer for our condo. Town I grew up in has really reasonable prices all of a sudden. Certainly didn't when we were looking in 2009 
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Feb 8, 2015 05:37
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I'm not a fan of where I live now, I bought here because of work, but I'm probably going to sell and move either in to Denver proper or to the north suburbs sometime after the next school year. Hopefully the housing market keeps shooting up here, as it stands right now, I'm gonna make a killing on my house, but something about counting sheep before they've hatched holds true I think. One other thing I can think of is to really think about using a local mortgage lender. We used Navy Federal, and the rate was fantastic, but otherwise it was a huge pain in the rear end. I think I spent close to $1000.00 after it was all said and done faxing and mailing certified documents back and forth, and my broker lost my poo poo at least once, and I can't count how many times the faxes didn't go through completely. We had 30 days to close and it almost didn't happen, like, Navy Fed sent paperwork over less than 1 hour before closing, so we didn't have any time to review T's & C's before closing. Also, it goes without saying, even if you are going no money down, make sure you have a little bit of cash in savings.
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Feb 8, 2015 05:47
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bengy81 posted:I'm not a fan of where I live now, I bought here because of work, but I'm probably going to sell and move either in to Denver proper or to the north suburbs sometime after the next school year. Is that to say that the VA loan program lets you roll in closing costs, or you got the seller to cover them?
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Feb 8, 2015 05:55
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We got a first-time state downpayment assistance loan thing for our place that we need to pay off before we can sell, along with a couple things we need to fix up on the place. (paint the walls, replace the rear slider door due to a busted seal that's now fogging up the stationary part) and crap like that. We're not going to get back what we paid for this place, because we live near a bunch of olds in our neighborhood who sold asap to get the hell out of CT after the winter of 2013. We'll probably be down at least 20k from what we paid here.  We bought here when we did though since our oldest was about to go to kindergarten and there was no loving way we wanted her to go to to schools in the city we lived in at the time. Ah well. I've also got a bunch saved up in my 401k but I really don't want to touch that at all for this. not caring here posted:Is that to say that the VA loan program lets you roll in closing costs, or you got the seller to cover them? wondering this too
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Feb 8, 2015 06:39
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not caring here posted:Is that to say that the VA loan program lets you roll in closing costs, or you got the seller to cover them? When we bought, the sellers covered closing costs. Not sure if the VA will let you roll them in, I think they will, but you can only got X% over the value of the home, but you would have to talk to a loan specialist to find out the details. The VA has pretty specific rules about bonuses and stuff too, so if they advertise stuff like a "FREE 2015 ENLISTED SPECIAL MUSTANG WITH MORTGAGE!!!!!" The VA probably won't let you take that loan. edit: The bank at the time wanted to see a lot of money in our savings account, and I mean our savings account, they wanted us to have a lot of liquid assets, mostly because I had been in my job, and in my field, for less than a year. I believe most lenders have eased up since then, because they were turning down too many people that would otherwise be fantastic borrowers. I think we voluntarily put down 10k, we didn't have to put anything down, but we did so if something came up and we had to sell, we didn't want to be upside down. On top of that, I think we paid 1500 or so in random expenses, covering stuff like contracts and fax/mailing paperwork, inspections and appraisals. Navy Fed refunded a pretty big chunk of that at closing, so it wasn't tied up forever. bengy81 fucked around with this message at 07:22 on Feb 8, 2015 |
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Feb 8, 2015 07:17
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*I have not bought a house with a VA home loan, only a regular home loan* http://www.military.com/money/va-loans/home-purchase/va-loan-closing-costs-who-pays.html VA home loans restrict the types of closing costs a home buyer can be made to pay. So the seller gets stuck with them instead. quote:These are common charges found on most every VA mortgage and while they can vary a bit by amount; these fees are the ones that can be paid for by the veteran. But what about these charges? So $2k-ish, plus or minus a bit, can't be dumped on you, if you buy with a VA home loan. If a seller knows that before they go under contract with a VA loaned buyer they can use it to their advantage. Sort of like with the $8k tax credit - sellers had every incentive to raise prices because they know all customers were effectively $8k richer overnight. Anyway. Not all real estate agents are up front with their clients about the full list of stipulations for weird loans like VA. Not all real estate agents are educated smart people who do their homework. Not all have morals. Honestly how many real estate agents do you know and would trust? They live off of convincing you to give them as much money as possible while smiling without getting in trouble with the law. The theme of this story is that the VA loan's concrete benefits are the guarantee for 20% down payment, saving you PMI and the lost investment opportunity due to your down payment being sunk in a home instead of a mutual fund. The other benefits can manifest as actual tangible benefits or be lost in the chaos when you and your agent fight against seller and their agent, bargain over who pays what closing costs (yeah VA changes the rules slightly), etc. Buyer agent and seller agent typically take 3%-6% of sale price for themselves. etc.
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Feb 8, 2015 07:30
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I got a va loan and the hardest part was dealing with their inspection and appraisal. They valued the house a few thousand lower so the sellers had to lower their price which left us with a "better deal" but we lost some stuff like washer and dryer and had to pay a few more costs to even it out. Definitely find a local lender. We tried to go through navy federal and it was such a pain even trying to contact our guy. Your loan officer doesn't work at your local branch. Everything is done out of San Antonio. They send you a massive amount of paperwork with no explanation or guide and to me going over it with a real person helps. That said your loan will be sold to another bank immediately either way. Now I get to work with Wells Fargo 
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Feb 8, 2015 17:09
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The VA will let you roll in closing costs. I had 15k cash available but went the 0% down route and paid closing costs out of pocket just because I wanted to finance only the house and no extra bullshit. But in hindsight that was dumb. Its better to put any money you have down on the principal so you actually have some equity in the house and roll in the closing costs instead. I only had 2 small hangups with my VA loan. First was they do require extra inspections to make sure you aren't buying a shithole. Which is kinda good because it protects you but it ended up pushing my closing date back a week like 2 days before closing for a last minute water inspection. Original inspector couldn't figure out how to turn on the insane 5 stage RainSoft water purifying system the house came with. I had already rented the U-haul and loaded it at my old house and had to rent it for another week or else offload all my stuff. Had to live on lawn furniture in my old house for that week. I think the seller got stuck with all the inspection fees thanks to VA. The second more major issue is with refinancing. I bought my house in 2011 as the housing rate bubble was approaching bottom. Excellent credit and got the best available interest rate at the time which was 4.275%. Another one of the VA's "protecting you from fraud" thing is the IRRRL program (interest rate reduction refinance load). To keep you from getting scammed on refi they will only let you refinance if you are getting at least 1% reduction. So in order for me to refinance the rate has to go below 3.275% which is about as low as it got except for like 15 year loans I think dipped into the high 2% range. So while all my loving dumb rear end co-workers who bought during the peak of the bubble had lovely ARM loans in the double digit interest rates are refinancing into the 3.5% range, I who waited to buy until the rates dropped to a less stupid level am stuck with a 4.275% rate that I cant refinance unless the rates drop back under 3% which is probably unlikely. I've heard mixed reviews about USAA. It adds a whole nother level of ridiculous inspections and restrictions and poo poo on top of your VA ones. Though I think they do have some sort of cash back incentive and provide buyers agents and i think they charge the seller for their cut of closing costs which normally you would pay. Definitely get a buyers agent they are legally required to look out for your interests in getting a good deal where as the selling agent is legally bound to the seller to get them the best deal. Between the bank handling the loan poo poo and the buyers agent handling all the paperwork I didnt have to do anything more than look for a house (which I did on my own via Zillow / Redfin on the net) I just gave my agent a list of what houses I wanted to look at. Most of the houses he kept coming up with was outside my price range or commute distance from work.
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Feb 8, 2015 17:45
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I bought through USAA and put 30% down on what I bought. I didn't go VA-backed. The end result is that before I got out of the military I owned my house outright and the people I bought it from are super pissed! The downside was having tenants, but I got lucky and they didn't destroy the place while I was gone. Anyway, buying a house is a gay and stressful process, but considering what you're buying it's probably good that it takes a bunch of time. I'm now looking at buying a bigger piece of property in the mountains and building my fortress. I may or may not mortgage this place to build and do what I said I'd never do again, have tenants. Either way home ownership is gay as gently caress I recommend it to everyone.
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Feb 8, 2015 18:09
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I'm gonna have to look into the IRRRL thing, that might change my plans. I have kind of thought about pulling some equity out when I get ready to move and keeping the place and renting it out. Right now I could rent the place for about twice my mortgage which is pretty crazy. I also kind of just feel like getting out of the house, it's older and I get paranoid that I am going to get hosed with some serious foundation issues, and my neighbors are white trash shitheads, and I'm sure that's doing wonders for my property value.
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Feb 8, 2015 19:06
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bengy81 posted:I'm gonna have to look into the IRRRL thing, that might change my plans. I have kind of thought about pulling some equity out when I get ready to move and keeping the place and renting it out. Right now I could rent the place for about twice my mortgage which is pretty crazy. Renting is cool as long as you make good choices (legally) about who you allow to live there, and are gonna be local or at least have someone to handle property management stuff for you. It's a big risk, and the worst thing you can do is end up desperate to have tenants and end up allowing just about anyone in. Don't rent to friends or family.
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Feb 8, 2015 19:11
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krispykremessuck posted:Renting is cool as long as you make good choices (legally) about who you allow to live there, and are gonna be local or at least have someone to handle property management stuff for you. It's a big risk, and the worst thing you can do is end up desperate to have tenants and end up allowing just about anyone in. Don't rent to friends or family. We rented a house in town from a property management place, and if we move out of town, I would probably have them run my property, they were pretty quick to fix issues with the house we rented and they made sure we weren't destroying the place, to the pint it was kind of annoying. We took screens off of the windows to clean them and they called to make sure we didn't destroy them. I still have a year or so before I have to worry about that though.
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Feb 8, 2015 19:22
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I got a pair of Merrells...chameleons, I think, a few years ago and they are finally giving out. They were the ultimate combo of lazy slip-on and good for any kind of hiking or lovely weather walking imaginable. Does anyone have a recommendation for a replacement? New chameleons are supposedly crap because Merrell got bought out and substituted lovely ingredients or whatever.
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Feb 9, 2015 05:37
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Zeris posted:I got a pair of Merrells...chameleons, I think, a few years ago and they are finally giving out. They were the ultimate combo of lazy slip-on and good for any kind of hiking or lovely weather walking imaginable. Does anyone have a recommendation for a replacement? New chameleons are supposedly crap because Merrell got bought out and substituted lovely ingredients or whatever. I had a pair of Lowa Renegades that survived me from the slopes of Donnely Dome in central AK all the way down to a raging rainforest river in Panama. They lasted like 4 years, too. They come in low-cut or normal hiking boot styles, too.
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Feb 9, 2015 05:57
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Icon Of Sin posted:I had a pair of Lowa Renegades that survived me from the slopes of Donnely Dome in central AK all the way down to a raging rainforest river in Panama. They lasted like 4 years, too. They come in low-cut or normal hiking boot styles, too. Those look pretty cool. I have really sweaty feet. How do they hold up in hot/humid weather? I have separate cold weather / winter shoes, not that I need them in NC, or would ever bother hiking when it's cold enough to need them.
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Feb 9, 2015 06:21
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Zeris posted:I got a pair of Merrells...chameleons, I think, a few years ago and they are finally giving out. They were the ultimate combo of lazy slip-on and good for any kind of hiking or lovely weather walking imaginable. Does anyone have a recommendation for a replacement? New chameleons are supposedly crap because Merrell got bought out and substituted lovely ingredients or whatever. I have a pair of merrells that are pretty much my go-to shoes. The soles are in awesome shape but the fabric is starting to wear through (one of my calluses wore a hole through already). Just going to patch it and keep wearing them, they're almost as comfortable as my old moccasins. loving great shoes though, I just had the callus of doom.
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Feb 9, 2015 10:58
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Zeris posted:Those look pretty cool. I have really sweaty feet. How do they hold up in hot/humid weather? I have separate cold weather / winter shoes, not that I need them in NC, or would ever bother hiking when it's cold enough to need them. They work pretty well for me, but I got the tag team of feet that like to sweat and are also always cold. I'm in Wilmington and wear them year-round when I need close-toed shoes (otherwise flip flops all day erryday).
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Feb 9, 2015 14:26
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My choices for buying in this region is either 1) move way the gently caress out from DC and deal with a 2+ hour commute again or 2) double to triple my salary to reasonably afford a house in Falls Church, McLean or the surrounding area. Looks like I'm rentin' for the next few years.
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Feb 9, 2015 23:39
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http://www.bbc.com/news/technology-31296188 do not talk about personal things in front of the tv, this may also include sex
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Feb 10, 2015 00:17
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Looks like an unauthorized Wheel of Time pilot aired on FXX during the infomercial period last night. https://www.youtube.com/watch?v=cvNYIEN1vIg
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Feb 10, 2015 02:03
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Nostalgia4Butts posted:Looks like an unauthorized Wheel of Time pilot aired on FXX during the infomercial period last night. this looks lame as gently caress, i thought wheel of time was about medieval sword and sworcery poo poo like game of thrones, not some fags in puffy shirts chatting in a mansion
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Feb 10, 2015 06:02
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Kung Fu Fist gently caress posted:this looks lame as gently caress, i thought wheel of time was about medieval sword and sworcery poo poo like game of thrones, not some fags in puffy shirts chatting in a mansion this was unauthorized by the family of the author so that would probably explain it
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Feb 10, 2015 06:25
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ded posted:http://www.bbc.com/news/technology-31296188 Not a single one of my TVs is newer than 7 years old. Last one I bought is a 55" Sony projection with a new bulb for $150, bitch should be fine for a few years.
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Feb 10, 2015 13:47
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Kung Fu Fist gently caress posted:this looks lame as gently caress, i thought wheel of time was about medieval sword and sworcery poo poo like game of thrones, not some fags in puffy shirts chatting in a mansion Yo I read all 15 books or w/e and like 60% is fags in puffy shirts talking to each other (or chicks in dresses smoothing their skirts) with the other 40% being travel and like 1% cool fighting. Series is still 101% awesome (minus book 10). I don't know math.
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Feb 10, 2015 17:25
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Fart Sandwiches posted:Yo I read all 15 books You're the biggest fag of all then.
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Feb 10, 2015 17:27
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Met my first college weirdo. Young Harry potter look alike with a notecard nametag pronouncing its pronouns as "they/them." Despite the fact that it is brain damaged and looked like a young Liz Lemon I had to concede that I still would. I never went this long on the boat without human contact.
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Feb 10, 2015 22:02
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MassivelyBuckNegro posted:You're the biggest fag of all then. I did too. The last book is really bad.
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Feb 10, 2015 22:30
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Fart Sandwiches posted:Yo I read all 15 books or w/e and like 60% is fags in puffy shirts talking to each other (or chicks in dresses smoothing their skirts) with the other 40% being travel and like 1% cool fighting. Series is still 101% awesome (minus book 10). i think i read a chapter or 2 of maybe the first book idk, i remember some mongol style dudes. lots of talk about horseback riding nomads then i got bored cuz reading is for nerds
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Feb 11, 2015 02:57
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at the date posted:I did too. The last book is really bad. I never read a single one of those books, but didn't the author die halfway through the last novel and a ghost writer finished it? I can see this happening to George RR Martin.
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Feb 11, 2015 04:41
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Nostalgia4Butts posted:this was unauthorized by the family of the author so that would probably explain it Universal and whatever that production company billed at the beginning have the TV rights. That old bat blowing her pipes about how she's going to stop this is just as bad as Christopher Tolkien doing much the same around the time NewLine was optioning LOTR to Peter Jackson. She hasn't a chance in hell of stopping them if this little gambit of them releasing something to maintain their rights pays off. And Wheel of Time is exactly that loving lovely so
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Feb 11, 2015 05:32
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LITERALLY SHAKING posted:I never read a single one of those books, but didn't the author die halfway through the last novel and a ghost writer finished it? Not exactly a ghost writer, it was Brandon Sanderson who "completed" the last three books IIRC. Knife of Dreams was one of the best in the series (the first published after Jordan's death, probably mostly finished already), but Towers of Midnight was mediocre and I wish I hadn't wasted my time on whatever the last one was called. It may very well have been totally faithful to the original author's vision, but it was goddamn stupid and tiresome to read 800 pages of the Fields of Pelennor scene from Peter Jackson's Return of the King that tried to resurrect and resolve every long-ignored subplot and Chekhov's gun at once. You'd think that in the previous 15,000 pages of exposition either Jordan or Sanderson would have thought to build the foundation of a satisfying conclusion, but LOL NOPE it's just the same godawful "the magical hero tries reeeeaaaally hard this time and discovers new depths to his powers" ending. Since then I've refused to read a fantasy novel that takes longer than 300 pages to resolve its main plot, and I've got to say that Joe Abercrombie, as the one prominent author who produces books that fit the bill these days, is great. Eugene V. Dubstep fucked around with this message at 05:38 on Feb 11, 2015 |
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Feb 11, 2015 05:35
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| # ? Jun 9, 2024 18:53 |
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Joe Abercrombie is goddamn great. I have mixed feelings about Mark Lawrence's Broken Empire trilogy. On one hand, the writing and world-building are amazing. On the other hand, the narrator/protagonist is an utter oval office and I never found myself sympathizing or cheering for him in any way. Have you checked out Bernard Cornwell's Warlord trilogy? It's pretty drat good.
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Feb 11, 2015 05:57
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