Random thoughts

[bacon]

It has come to my attention that every morning I feel like shit. Then I have a cup of coffee and I feel good.

Every fucking time, I'll tell ya. Go figure.

 

[MrMonkey]

Bacon, coffee does me wonders too! Don't know what I would do without it!

 

[Matty]

I just need the one in the morning. But I do need it.

 

[bacon]

There's basically no point without it.

 

[Mudcat]

My coffee consumption ebbs and flows. Currently in a major flow phase. This coffee sitting beside me here would be my 5th large today (inexact estimate due to variance of container sizes.)

May well have another later. Very probable.

Loving my coffee these days.

 

[Matty]

 

[bacon]

That picture scares me and I don't know why but it looks like some kind of warped nightmare.

I am drifting back to two cups of coffee a day from one, and it feels good.

<--- living on the edge

 

[Matty]

So cold last evening that during my walk home, my phone displayed the error message below. (I don't think that the fine folks in Cupertino thought it possible for people to exceed the lower temperature limit, hence the wonky wording.)

 

[bacon]

Obama makes an announcement with news that is actually good for Bacon's industry.

Say, that' something.

 

[Boner_18]

Saw yesterday that there's 30yr fixed %3.758 jumbos available in the NY Metro area... WHA!?!? I want me one of those.

 

[Cami]

So cold last evening that during my walk home, my phone displayed the error message below. (I don't think that the fine folks in Cupertino thought it possible for people to exceed the lower temperature limit, hence the wonky wording.)

Obama makes an announcement with news that is actually good for Bacon's industry.

Say, that' something.

 

[Matty]

Canada killed the 30yr loans. Fokkers.

 

[bacon]

Canada killed the 30yr loans. Fokkers.

5 year ammed over 25, and you have to refi within every 5 years



Seems like a gold mine for repeat business

Interesting read on what y'all have going on up there, gl with that

 

[Matty]

We're going to rent until the end of times. Unless the woman gets a real job, or we move out to some bumfuck town.

 

[Boner_18]

There a good mortgage interest tax deduction up north?

 

[Matty]

Not a clue.

Edit - Not as good as in the States, apparently: http://www.theglobeandmail.com/glob...mortgage-tax-deductible-plan/article12059456/

 

[bacon]

A 25 year amortization isn't that much worse than a 30 though. I do like that if you do it before the 5 years you get to keep your current terms instead of being subject to new rates.

Very interesting tidbit in that if you foreclose they don't just take the house - they can take everything.

Very interesting differences but yeah that refi within 5 year requirement -

 

[Matty]

Average price of a house in the greater Toronto is $587k. Both people sitting next to me were only able to buy because of the 30yr deal, and they're both house-poor and reliant on their parents' money for any kind of surprise expense.

Matty's parents are poor.

Matty is not buying a house in Toronto unless he hits a 12-team parlay.