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I admin the local cars & coffee group, just had a pow-wow with the guys who run the other local club pages and we've effectively banished that little bastard from all car events in town and the surrounding area. A stupid little gently caress who pulls a (toy) gun on people for making fun of his lovely car is not someone we want around. Here's some links about Captain Fuckhead http://wane.com/2017/01/09/police-investigate-road-rage-shooting/ http://www.wowo.com/man-shot-after-road-rage-incident-in-fort-wayne/
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Jan 11, 2017 05:01
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He drives a stock tan accord?
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Jan 11, 2017 05:21
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BraveUlysses posted:He drives a stock tan accord? Well he is a poor 18 year old kid with an inferiority complex.
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Jan 11, 2017 05:28
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Here lies Zachery Studebaker, the only person
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Jan 11, 2017 05:43
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quote:Studebaker said at some point a white female passenger threw a drink at his vehicle. He said he then removed an airsoft gun out of the center console and laid it next to him. What was he trying to accomplish by doing this? I'm not sure I want to know the answer honestly.
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Jan 11, 2017 05:47
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There's no way you can be road raging on someone then light their car up and successfully claim self defense, right? I've never been to Indiana though.
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Jan 11, 2017 05:52
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mariooncrack posted:What was he trying to accomplish by doing this? His story is full of holes and he has since been told to shut his mouth. He's not a minor anymore so his parents can't really protect him. eighty-four merc posted:There's no way you can be road raging on someone then light their car up and successfully claim self defense, right? I was on my phone earlier and if I wasn't clear I was kidding. That post is kind of a mess. But here in good ole Indiana we just had a guy open fire on a crowd of people "because he feared for his life" and one of them pulled a weapon and shot back, killing the original shooter. That dude just went to prison. Lil Zachy is probably going to get some manner of charge here.
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Jan 11, 2017 06:05
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Rhyno posted:Lil Zachy is probably going to get some manner of charge here. You really think so? Sounds like exactly the kind of thing a policeman's son would get away with.
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Jan 11, 2017 06:23
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eighty-four merc posted:You really think so? Sounds like exactly the kind of thing a policeman's son would get away with. The people I've been talking with locally think he's hosed. Witnesses say he instigated, was brake checking the Cadillac, he was endangering other motorists. Maybe if he was still a minor they could protect him but he's a loving adult now. I'm also told he does have a history of suppressed violations (daddy took care of them) so something it gonna happen to this dipshit. Edit: For clarification. His parents are wonderful people. Wonderful. His mom is one of the nicest and most welcoming people I have ever met. Just a great gal all around. His dad is a quiet but very warm person. Of course he'd do things to protect his son. For the life of me I can't figure out how these two people ended up with such a fuckstick of a kid. Rhyno fucked around with this message at 07:06 on Jan 11, 2017 |
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Jan 11, 2017 06:39
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Yu-Gi-Ho! posted:Damnit. Did brakes on mom's car a bit over a year ago, using Advance Auto semi metallics. Shop owner is a lying sack of poo poo. He drove the car with her in it and jammed on the brakes, and mom heard "grinding" then. I had her ride in the car with me driving tonight, and slammed on the brakes. She said it was the same grinding sound. It was the ABS kicking in.  They were a little over half worn on the passenger side, about 3/4 worn on the drivers side, rotors look brand new. Both drivers side pads were worn equally, so I think the caliper may be starting to stick. The amount of brake dust was pretty equal on both front wheels, and it's not pulling at all (even when laying into the brakes hard). I'll replace the caliper next time if the wear is still odd. I forgot how tiny the pads were for such a big car. I think the pads on my Saturn are bigger, but she has 4 wheel disc brakes; I have drums in the back. So anyone know what Advance does if you return half of an order that had a big coupon on it? It was a $40 off of $100+ order coupon, which brought the total for 2 rotors + ceramic pads (Carquest Gold) down to $71 with tax. She's taking the rotors back tomorrow. BraveUlysses posted:is it even illegal to "brandish" an airsoft weapon? even if the kid's dad is a cop the shooter could probably walk scott-free It is absolutely illegal. Not everyone knows that the orange tip means it's a "toy". And airsoft guns can still gently caress you up, just not as bad as real bullets. Children have pulled airsoft guns on cops and wound up dead. Rhyno posted:His story is full of holes Kinda like his leg and car? 
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Jan 11, 2017 07:07
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mariooncrack posted:What was he trying to accomplish by doing this? Its the same bullshit line the tweaker who chased me down a road at 90mph while waving a gun at me gave the cops. It kinda fell apart when I told my side of events and correctly identified both types guns the fuckhead and his wife were brandishing.
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Jan 11, 2017 07:10
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Yu-Gi-Ho! posted:Kinda like his leg and car? LoL. Cop Porn Popper posted:Its the same bullshit line the tweaker who chased me down a road at 90mph while waving a gun at me gave the cops. It kinda fell apart when I told my side of events and correctly identified both types guns the fuckhead and his wife were brandishing. From what I have gathered in his original statement to the police he failed to mention his pistol. It came up when he gave an interview to the radio station.
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Jan 11, 2017 07:24
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Yu-Gi-Ho! posted:And airsoft guns can still gently caress you up, just not as bad as real bullets. Uh, I've been totally out of the airsoft scene for close to a decade now but I would be surprised if battery technology and gas MAC-11s have gotten that brutal. If I'm wrong perhaps I need to get back into the hobby 
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Jan 11, 2017 07:38
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BraveUlysses posted:double payments might be going a bit overboard, you might just be better off saving most of that money or starting to contribute more of your pretax wages to a 401k, especially if your employer offers matching contributions and you aren't already taking them. Yeah that's probably a good idea. I'm gonna calculate how much a 15y mortgage would be per month then just pay that instead since paying off the house is the last debt good ole Dave Ramsey says to do
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Jan 11, 2017 07:42
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Make sure there's not an early payoff penalty first. If there is, you may want to look into refinancing, and compare the refi cost to the early payoff. Now that your student loans are gone, you may be able to get a lower APR anyway, just give it a month or two to update across your credit files. That was a really awesome thing that your mom did for you.
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Jan 11, 2017 08:08
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TT that is pretty awesome and money is cool but can we get some doggo pics already?
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Jan 11, 2017 08:15
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Even if you dont double pay your mortgage, paying above minimum payment saves you an absolute BOMB in interest your not paying. I think with our $350K/30 year mortgage if we manage to pay an extra $200 a fortnight off it, it saves us about $100K in interest and knock 10 years off the period of the mortgage. $100K in your pocket is worth the extra $400 a month!
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Jan 11, 2017 08:29
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Rhyno posted:TT that is pretty awesome and money is cool but can we get some doggo pics already?  Here he is after shredding my couch while I was sleeping     Only reason I didn't murder him is because I got that couch at a garage sale for $30 Yu-Gi-Ho! posted:Make sure there's not an early payoff penalty first. If there is, you may want to look into refinancing, and compare the refi cost to the early payoff. Yeah  and there is no early repayment penalty so I technically could have dumped the money into that instead, but my mortgage is a 3.25% rate with 3% APR and my student loans are 8% 
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Jan 11, 2017 08:57
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Zachery Studebaker is a real piece of poo poo
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Jan 11, 2017 09:37
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funny Star Wars parody posted:Yeah Yeah, going after the high APR stuff is usually the best bet if you can do so. $2k/mo in student loan repayments is murder. Sounds like a decent mortgage to me? My mom bought her house in 2000, had a credit score in the high 700s, a $150k down payment, and still got hit with a 7% APR, with a company she'd dealt with in the past both professionally (working in car dealers) and personally (3 or 4 houses purchased with them). Gotta love housing booms. She got the house paid off several years ago after the mortgage holder went bankrupt and sold all of their mortgages to a subprime lender that she'd had experience with when she worked in car dealers - as soon as she found out who owned it she pulled the money out of her retirement to pay off the house. There was a huge clusterfuck following that thanks to the company losing track of the payoff for several months. My student loans range from 3.4% to 9.99%. The 9.99% is my only private loan (Sallie Mae), the rest is a mix of subsidized and unsubsidized federal loans. I'm sitting at about $18k in loans  but the bulk of them are subsidized.
randomidiot fucked around with this message at 10:04 on Jan 11, 2017 |
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Jan 11, 2017 09:58
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Ferremit posted:Even if you dont double pay your mortgage, paying above minimum payment saves you an absolute BOMB in interest your not paying. I'm 2'ish years from being able to start dumping an extra $500 a month ($250 a fortnight to match our payment schedule) onto our mortgage, and yeah, at last look it'll take 7 years off our 25 year, and save us...gently caress, I can't remember, but a lot. Thank christ I've got a good rate atm.
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Jan 11, 2017 13:23
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I made the mistake of looking around at mortgage rates and almost the second I submitted details I start getting calls. No I am not buying right now, not even this year probably not until at least April next year I just want an idea of rates. At least there seems to be a lot of choice in my price range that have large garages or space to build one. I just wish that everything was not so pushy when it comes to looking into anything. It is not going to make me want to do business with you when you bombard me with spam.
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Jan 11, 2017 14:34
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funny Star Wars parody posted:
Upon further review we have determined that this is a good pupper.
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Jan 11, 2017 14:48
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I've so far not bought tires for my truck. I'm probably going to put it off until the spring. My biggest problem right now is determining what kind to buy - truckish, offroad tires or more highway friendly tires. The truck rarely sees highways (though right now it's mostly because of the condition of the tires) but it also rarely sees offroad use - occasional dirt or gravel but thats it. I don't care about road noise or fuel economy. I don't care about treadwear. The tires will dryrot before I have 10,000 miles on them. I do care about price, and performance in really rainy weather. I kind of like the look of the bigger offroad tires though my truck is 2WD so it's pretty much all show Truck is a 2000 Ranger with 15" wheels. Which should I look at?
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Jan 11, 2017 15:39
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funny Star Wars parody posted:Yeah Unless you and your wife's household income is enough to qualify for the alternative minimum tax, I would definitely use the money for investment instead of paying down your mortgage. With the mortgage interest tax deduction and 3.25% APR, you'll see way better returns. Obviously past performance /= future gains etc etc but index funds will put you in a waaaaay better position given a normal steady rise in the market, even if you only realize your mortgage interest of 3.25%/yr. Worst case comedy option things go to poo poo and hyperinflation occurs, and you'll be able to pay your monthly mortgage bill by working for 30 minutes at your $1000/hr job since you're a skilled worker. Mortgages own at low interest rates. Don't pay them off early.
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Jan 11, 2017 16:26
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Adiabatic posted:Worst case comedy option things go to poo poo and hyperinflation occurs, and you'll be able to pay your monthly mortgage bill by working for 30 minutes at your $1000/hr job since you're a skilled worker. If hyperinflation occurs just tell the bank to suck your dick, give them the keys to your house and buy the neighbour's house cash from foreclosure for $500. Some of my neighbours will be in trouble with even a five basis point jump in interest. My immediate neighbour is turning over three financed luxury vehicles right now for two drivers with only one working and preparing to retire. Low interest rates are like crack cocaine to central banks or something. Seat Safety Switch fucked around with this message at 16:42 on Jan 11, 2017 |
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Jan 11, 2017 16:39
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Adiabatic posted:Unless you and your wife's household income is enough to qualify for the alternative minimum tax, I would definitely use the money for investment instead of paying down your mortgage. With the mortgage interest tax deduction and 3.25% APR, you'll see way better returns. Obviously past performance /= future gains etc etc but index funds will put you in a waaaaay better position given a normal steady rise in the market, even if you only realize your mortgage interest of 3.25%/yr. eh idk, i'm not sure if that tax benefit is better than freeing up $1500/month to put into a mutual fund that will on average give me a 12% return. I should probably go see an accountant or financial adviser of some sort
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Jan 11, 2017 16:39
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Adiabatic posted:Unless you and your wife's household income is enough to qualify for the alternative minimum tax, I would definitely use the money for investment instead of paying down your mortgage. With the mortgage interest tax deduction and 3.25% APR, you'll see way better returns. Obviously past performance /= future gains etc etc but index funds will put you in a waaaaay better position given a normal steady rise in the market, even if you only realize your mortgage interest of 3.25%/yr. That's close to the mortgage interest we got under the VA loan on a fixed 30 year.
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Jan 11, 2017 16:47
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funny Star Wars parody posted:I should probably go see an accountant or financial adviser of some sort QFT. If you're doing decent enough that you're worrying about tax benefits vs paying stuff off, you need a good CPA and a financial advisor. Those can be the same person (sometimes), they could be different people (recommended). But you need someone familiar with your local laws. Ramsey has a lot of solid advice, but he's not your advisor, and he's not familiar with your local stuff. Therefore, has no legal responsibility for any advice that may or may not work for you.
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Jan 11, 2017 16:49
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At some point the President is going to have to try and deny that there's a tape of him getting pissed on by Russian hookers. What a time to be alive!
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Jan 11, 2017 16:52
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Yu-Gi-Ho! posted:QFT. If you're doing decent enough that you're worrying about tax benefits vs paying stuff off, you need a good CPA and a financial advisor. Those can be the same person (sometimes), they could be different people (recommended). But you need someone familiar with your local laws. Yeah exactly that. My brother is pretty lucky because he didnt have student loans (because he got an internship that paid a shitload of money) so he is planning on tossing a good chunk of it into different mutual funds for the next 40 years the number the calculators spat out after 40 years of returns and adding $x/month was 
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Jan 11, 2017 16:58
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CornHolio posted:Tyres Edit: just noticed your rain comment... being in Scotland rain was the most common condition we used the tyres in and they always felt solid in really crap weather. stump fucked around with this message at 17:01 on Jan 11, 2017 |
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Jan 11, 2017 16:58
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funny Star Wars parody posted:eh idk, i'm not sure if that tax benefit is better than freeing up $1500/month to put into a mutual fund that will on average give me a 12% return. I should probably go see an accountant or financial adviser of some sort lmao first off mutual funds aren't going to give you an average of 12% annually omfg. Maybe on an odd year in a bull market but long-term you'll see much lower, and fees will dig into that regardless. second freeing up $1500/mo is only after you've taken money you already have and disappeared it. What I'm saying is if an investment performs at 3.25% (your mort interest) you're better off having the money in investments instead of paying off your mort because of the mort interest tax deduction. Since investments are gonna be better, on average, historically, long term, than 3.25% that's even more ammo going towards taking all that $$ and investing it instead of paying off the mort. (this is assuming you put the investments in tax-free vehicles like IRAs and/or 401ks. They have maximums per year but you're able to contribute to last year for another few months so you could max out two years worth like, today.) If you get a financial advisor the absolute biggest thing you need to do to safeguard your money is get him to sign a piece of paper claiming a fiduciary duty to you. It's important that the term "fiduciary duty" be used. There are a LOT of "financial advisor" crooks out there looking for regular folks with windfalls they can fee the poo poo out of. Adiabatic fucked around with this message at 17:11 on Jan 11, 2017 |
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Jan 11, 2017 17:03
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EDM in my ears, office nearly empty, juggling five interconnected commits up for review/test, things are flowing, I'm in the zone. gently caress I love my job. Re: mortgage rates; come to Denmark. ARMs cannot be had over 0.63% (and in some cases carry a negative interest) and 30-year fixed are under 2%. And yet I'm going to say gently caress it and pay off the rest of my mortgage at the end of the quarter. ExplodingSims posted:At some point the President is going to have to try and deny that there's a tape of him getting pissed on by Russian hookers. My thoughts exactly.
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Jan 11, 2017 17:09
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Adiabatic posted:lmao first off mutual funds aren't going to give you an average of 12% annually omfg. Maybe on an odd year in a bull market but long-term you'll see much lower, and fees will dig into that regardless. I see i have a lot of reading to do 
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Jan 11, 2017 17:10
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funny Star Wars parody posted:I see i have a lot of reading to do Please let me know if you have any questions. A financial advisor and CPA is a great idea and you should roll with that, but I want you to have ammo to first find the right one and second bring up questions for him/her to have to explain why it will/wont be in your best interest.
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Jan 11, 2017 17:12
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bolind posted:EDM in my ears, office nearly empty, juggling five interconnected commits up for review/test, things are flowing, I'm in the zone. gently caress I love my job. This is my Friday every week. ABGT in the ears, code through the eyes. High5 loving job buddies
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Jan 11, 2017 17:20
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Seat Safety Switch posted:If hyperinflation occurs just tell the bank to suck your dick, give them the keys to your house and buy the neighbour's house cash from foreclosure for $500. As somebody that does risk related pricing this is generally why I cringe when I hear a blanket unconditional endorsement of debt when interest rates are low.
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Jan 11, 2017 17:22
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Saw this on campus. All I can think of is Crazy Pizza. YA YA YA YA YA
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Jan 11, 2017 17:23
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Man watching Trump, I can't wait to see the very, very tremendous beautiful job he's going to do. It's going to be fantastic, big league.
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Jan 11, 2017 17:26
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EVERYWHERE 
