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Godholio posted:Good to know. If your bank won't let you set up biweekly auto payments just have them add an extra $100 or so per month and it will accomplish the same thing. Edit: it works because the way mortgages are weighted, your payments are primarily interest for the first X number of years. So if you make any extra payments it counts toward the principal, which cuts down on the total interest you will pay over the life of your loan. bengy81 fucked around with this message at 03:22 on Aug 14, 2017 |
# ? Aug 14, 2017 03:20 |
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# ? Jun 1, 2024 05:21 |
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Godholio posted:Good to know. Yeah, if you can do things like put an extra monthly payment in every couple months, you really cut into their interest, cut a few more years down. TheGreasyStrangler posted:Please explain how this works out, I'm not getting it. It depends on how the interest is figured, but again it whittles the amount of that due. Typically on a 30 year note, you're paying mostly interest the 1st 23 or so years.
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# ? Aug 14, 2017 03:22 |
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Arc Light posted:Basic training tends to be collaborative. If a recruit is a fuckup, everyone in the platoon/flight/whatever will be punished. This tends to mean that everyone covers down for the lovely recruits. Way back in the day when I went through basic, we had some absolute turds who probably shouldn't have graduated. Borderline retards with no ability to learn or adapt. They made it through because everyone else made their beds, folded their laundry, tutored them, etc. We didn't like them, we just didn't want the group punishment that would accompany their failure to meet standards. A unit with blacks and Jews? I mean being punished sucks...But eventually the problem goes away?
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# ? Aug 14, 2017 03:24 |
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Mr. Mambold posted:Yeah, if you can do things like put an extra monthly payment in every couple months, you really cut into their interest, cut a few more years down. Self-quote, but the way it works is they figure the entire scale out for the year. At the beginning, each payment you make is pure interest, no principal. But if you make that payment, then another prior to the next one due, that one is pure principal equity, and it cuts the entire amount owed down, so they have to whittle interest owed. You end up paying $3 interest for every 1 actual if you don't do something like this. Well, that's how it used to be in my day when 8% was golden. With rates down so low lately, it's still the same deal, but different figures.
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# ? Aug 14, 2017 03:29 |
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Dicking around with some google result payment calculators, paying an extra $700 on a 150k loan (basically double the payment) cuts the mortgage by over 16 years. Even $100/mo extra knocked several years off.
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# ? Aug 14, 2017 03:33 |
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The only stuff I've seen on my feed is the typical "Both sides are bad!!!" dumb argument
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# ? Aug 14, 2017 03:34 |
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If you happen to have a ~3-4% loan then you're probably better off throwing that money in your 401k in an index fund.
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# ? Aug 14, 2017 03:36 |
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This better be Time's MOTY 2017 https://twitter.com/donswaynos/status/896421269423493121?ref_src=twsrc%5Etfw
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# ? Aug 14, 2017 04:15 |
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dude fuckin owns
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# ? Aug 14, 2017 04:35 |
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Where's that meme someone made with him in it?
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# ? Aug 14, 2017 04:37 |
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That flower had funny placement.
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# ? Aug 14, 2017 04:38 |
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Loden Taylor posted:Pretty much . It's easy to get excited about the idea of fighting for your country. The reality of it being more like "be a minimally functional human being and do these lovely mundane tasks for your country" is too much for some dudes to handle. "I am willing to kill for my country, but I am not willing to jog for it."
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# ? Aug 14, 2017 04:45 |
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Blind Rasputin posted:Where's that meme someone made with him in it? (not mine, made by another goon) By the way, a clusterfuck is about to start, the Daily Stormer is getting booted off GoDaddy. https://twitter.com/GoDaddy/status/896935555912663041
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# ? Aug 14, 2017 04:45 |
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Blind Rasputin posted:Where's that meme someone made with him in it? e:f;b
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# ? Aug 14, 2017 04:46 |
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Godholio posted:Dicking around with some google result payment calculators, paying an extra $700 on a 150k loan (basically double the payment) cuts the mortgage by over 16 years. Even $100/mo extra knocked several years off. This is what I'm saying in my past a page or so ago. There is no real trick to any of it, and the annuity tables aren't really registering the difference, its easier to ask for the payment booklet showing the lifetime of your loan and start doing double principle payments in the first 1-5 years of your loan. You still reap the full benefit of the interest and property tax deductions whilst still getting your principle down. The first third of your mortgage is peanuts when it comes to equity Couple this with standard occupancy timelines, there's really no one who sells their house with any true equity in it anymore. It'll always boil down to how much you're putting towards the principle at any given time, you really can't trick this system with funky payment cycles. Outside of the late payment tightrope walk.
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# ? Aug 14, 2017 04:46 |
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facialimpediment posted:By the way, a clusterfuck is about to start, the Daily Stormer is getting booted off GoDaddy. gently caress GoDaddy, it's not like the Daily Stormer suddenly breached their TOS yesterday—how long have they served as a platform for that poo poo?
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# ? Aug 14, 2017 04:57 |
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# ? Aug 14, 2017 04:59 |
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B17S CURE NAZIS
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# ? Aug 14, 2017 05:01 |
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Arc Light posted:Basic training tends to be collaborative. If a recruit is a fuckup, everyone in the platoon/flight/whatever will be punished. This tends to mean that everyone covers down for the lovely recruits. Way back in the day when I went through basic, we had some absolute turds who probably shouldn't have graduated. Borderline retards with no ability to learn or adapt. They made it through because everyone else made their beds, folded their laundry, tutored them, etc. We didn't like them, we just didn't want the group punishment that would accompany their failure to meet standards.
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# ? Aug 14, 2017 05:25 |
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I AM in a world of poo poo
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# ? Aug 14, 2017 05:30 |
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There was a bunch of dudes that quit first week when I went through, and most of them were still there when I left. Chances are he got dear johned or just cried bitch in the first week because a drill sergeant didn't say he was a hero. Chaptering people for being a bitch takes ages. The dudes who changed their minds in reception seemed to get out quick as gently caress though.
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# ? Aug 14, 2017 05:35 |
Reverand maynard posted:I AM in a world of poo poo Elaborate?
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# ? Aug 14, 2017 05:50 |
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M_Gargantua posted:Elaborate? https://www.youtube.com/watch?v=xnTU4dKpoB8
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# ? Aug 14, 2017 05:51 |
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At least Private Pyle wasn’t a loving nazi.
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# ? Aug 14, 2017 06:14 |
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He was a disgusting fatbody
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# ? Aug 14, 2017 06:27 |
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Arc Light posted:
This is good but there was one that was like " skinny nazi c-word vs flame fighter" or something all Ms paint drawn that was hilarious as hell. Edit: oh yes Blind Rasputin fucked around with this message at 06:33 on Aug 14, 2017 |
# ? Aug 14, 2017 06:27 |
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shame on an IGA posted:This better be Time's MOTY 2017 Going by this photo you'd think there's clearly one genetically favored master race
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# ? Aug 14, 2017 07:09 |
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Suicide Watch posted:Going by this photo you'd think there's clearly one genetically favored master race We must secure the existence of our gyms, and a future for swole children.
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# ? Aug 14, 2017 07:23 |
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shame on an IGA posted:This better be Time's MOTY 2017 I just love the old guy who's just chillin there.
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# ? Aug 14, 2017 07:27 |
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Suicide Watch posted:Going by this photo you'd think there's clearly one genetically favored master race Well one of those people is racially pure, and the other's ancestors decided to gently caress Neanderthals at some point it still doesn't matter
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# ? Aug 14, 2017 07:33 |
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Reminder that the Mooch is on Colbert tonight. Since the guy has still been carrying Trump's water (it is a pee joke) even after being fired, I'm assuming he'll spew some bullshit rationalizing his hilariously short stay, but it should be funny nonetheless.
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# ? Aug 14, 2017 07:57 |
https://twitter.com/filmystic/status/896975337770405888
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# ? Aug 14, 2017 08:12 |
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I don't know who wrote the script for TYOOL 2017 but they're pretty good at twists and turns if true.
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# ? Aug 14, 2017 08:30 |
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in our sites for months now
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# ? Aug 14, 2017 09:14 |
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more WH leaksquote:Two senior Trump advisers -- one inside the White House and another who recently departed -- signaled Sunday that the knives are out for Steve Bannon, President Donald Trump's controversial chief strategist.
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# ? Aug 14, 2017 09:18 |
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Part of me wants the legion of doom washouts to stay in power so they're too busy backstabbing each other and tripping over their own dicks to do any lasting damage. But then I realize that despite being actual evil, a proper conservative government wouldn't start a war on twitter or turn the world against us. They would at least have the decency to wage a proper proxy war somewhere or do a little 'nation building'.
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# ? Aug 14, 2017 11:02 |
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Trump finally came out and tweeted a statement unequivocally denouncing white supremacy and the alt-right. Just kidding, he's back to blaming Obstructionist Democrats for BAD DEALS. https://twitter.com/realDonaldTrump/status/897048688639574016
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# ? Aug 14, 2017 12:32 |
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Bigly MAGA
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# ? Aug 14, 2017 12:42 |
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Nostalgia4Butts posted:more WH leaks https://www.axios.com/anti-mcmaster-campaign-is-about-to-get-uglier-2472606148.html quote:The bare-knuckle campaign to remove National Security Adviser H.R. McMaster from the White House is about to get much uglier. 50/50 chance this was leaked in advance to kill it, but this kind of thing has Bannon's fingerprints all over it. Irony is dead.
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# ? Aug 14, 2017 12:46 |
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# ? Jun 1, 2024 05:21 |
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Bannon is retarded Rasputin.
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# ? Aug 14, 2017 12:56 |