Search results

  1. Brando

    Soccer 2014 - 2015

    Klopp and BVB confirming that he'll leave the club at the end of this season. Just don't want to see him at ManC though in the short term it may help as he'll want to tear down almost that entire squad. Figure they'd go backwards for the first year though then again they have so much money it...
  2. Brando

    Soccer 2014 - 2015

    Oh that's right, we should just be happy they died and move on. No need to lay any wreaths or say any words commemorating Munich or Heysel either.....
  3. Brando

    Soccer 2014 - 2015

    Edit: Today is the 26th Anniversay of the death of 96 LFC fans at an FA Cup semifinal at Hillsborough which is the home of Sheffield Wednesday. Many of them died needlessly due to the concern of hooliganism overriding the concern to save life, without even going into why this all happened in...
  4. Brando

    Home buying thread

    Even though your VA funding fee is financed all lenders have to include that as a cost. The other thing to keep in mind is that all lenders are supposed to disclose any and all costs that may be associated with a transaction even if you're not responsible for them or they will not apply. You...
  5. Brando

    Soccer 2014 - 2015

    Pretty terrible CL games yesterday, lets hope today's are better....
  6. Brando

    True Detective

    Nice looking teaser, I'm excite.
  7. Brando

    Home buying thread

    For refinances 2-3 months isn't bullshit, Wells Fargo requires 90 day locks right now on any portfolio loan. Maybe it's just CA and the amount of business going on but the best I've seen any company do is guarentee a 14 day close and even then that's only if it was $417,000 loan amount and...
  8. Brando

    Brave Frontier

    Got a breaker rowgun and anima kuhla, not bad..... If the unit isn't anima or breaker and it's supposed to do damage then it's pretty worthless right? Got an oracle Radyn and a guardian arus which just in looking at the stats makes me think leveling them up is a waste but does their SBB's...
  9. Brando

    Brave Frontier

    Nice, didn't know my Narza was a bad ass. Figured Darvenshel was but the one I got was an Oracle
  10. Brando

    Brave Frontier

    So the rate up right now isn't really worth it? Still trying to figure out what units are really worth it and which are garbage. Also I'm trying to finish up the quest line and it seems a bit strange that you can basically auto through a dungeon until the final boss and then depending on your...
  11. Brando

    Home buying thread

    Hah, maybe if you're just a w2 income person and you're going through Quicken with no real live person. Otherwise good luck with that 7-10 day close.
  12. Brando

    Home buying thread

    Eh? You mean the seller? You're the buyer so not sure why you would restrict yourself. As far as the seller, the could only have issue if moving to another lender affected the closing date in which case you're in breach of contract. That's a pretty common occurrence though and you just have...
  13. Brando

    Interstellar (2014)

    That's the point though, it's a ScienceFICTIONmovie. The movie is giving you it's best guess based on science today, whether it'll hold up or not we'll see but people just outright dismissing something as impossible is pretty laughable.
  14. Brando

    My new Dating Pool

    Holy shit, someone please email Vince Gilligan stat. Maybe J49 can start a trust fund from the money this would make. Dear god...
  15. Brando

    Interstellar (2014)

    Same thing with my wife, she still doesn't get it. It's such a foreign concept to her that I don't think the rest of the movie even registered and she has no idea what happened after that conversation started.
  16. Brando

    Home buying thread

    USAA does more VA loans than any other lender, if you're going to do a VA loan that might be your best bet though it sounds like PenFed's rate is way lower which sounds odd to a certain extent. As you're noting they're all MBS, and yours in particular will be a Ginnie Mae sale since it's a VA...
  17. Brando

    Soccer 2014 - 2015

    Quiet? I've posted in this thread through the good and bad this year with LFC. Seasons over for us now though so see you on CL days to talk about some good teams.
  18. Brando

    Toodles

    Does Wizardhawk have a criminal record that would prevent him from just enlisting in the Army or Marines here? Sounds like he needs a good kick in the ass regardless and any of the 3 options would be best. Though if he's homeless and can't enlist here no idea how he'd afford to get to France.
  19. Brando

    Home buying thread

    I'm not a real estate agent and I would agree most of them are turds, the reason for that though is probably 90% of them close 2-3 deals a year and that's enough for them to live on. With that said if you get a good one and it's a competitive bid market they'll usually have a relationship with...
  20. Brando

    Soccer 2014 - 2015

    The issue is the amount of money being poured into the EPL is going to really distort the market. When even Sunderland or Stoke are making more money than all but the top 10 Euro teams then things are going to get out of wack. Sterling's agent knows this which combined with ManC having almost...
  21. Brando

    Brave Frontier

    Ok, so what should I focus on. Here's what I have so far: Sodis 6* (O) Vargas 4* (B) Lava 4* (A) Tiara 4* (L) Mariudeth 4* (B) Lance 4* (L) Luna 4* (L) Mimir 2* (A) Aem 4* (A) Lilith 4* (L) Priscilla 4* (B) Zephyr 4* (G) Zephu 4* (G) Eze 4* (B) Weiss 4* (L) Shera 4* (B) Atro...
  22. Brando

    Brave Frontier

    The only thing that is throwing me off is I'm underestimating the amount of money I need as fusing units gets really expensive at higher levels. I had ran the gold dungeon a bunch over the weekend and had about 500k banked up but getting the units off the Eze, Atro and Magress dungeons up to 3...
  23. Brando

    Brave Frontier

    I just started about a week ago, still really little idea of what I'm doing and all my units are so low not worth mentioning what they are aside from a 6* sodis who in looking at it can't even go to 7* yet. I'm going to add some of you though on the list that are posting still, I could probably...
  24. Brando

    College Football 2014-15

    Not that this isn't surprising, anybody with half a brain that read the original report on the sanctions new it was a rail road job. The worst 200 pages haven't even been released yet but just in reading this it becomes clear as day they had nothing on USC and they didn't even care. Paul Dee...
  25. Brando

    Home buying thread

    Once you've paid for the appraisal it should take 2 business days at most to have an appraiser assigned by the appraisal management company. The only time I ever had an issue with this is as a broker and you needed the whole file delivered and the lenders forms completed on top of the broker forms.
  26. Brando

    Soccer 2014 - 2015

    Man, that Suarez goal was just filthy.
  27. Brando

    Soccer 2014 - 2015

    No team really created much of anything, strange game. Credit to United as Mata should be the story as he basically won them the game but I'm sure it will fall to the background after Stevie's madness and the other shit.
  28. Brando

    Home buying thread

    When you're self-employed this is standard to make sure you're not risking your business by using funds you may need to operate in order to purchase the house. While it is stupid if you don't have funds to operate and then close down you can't pay your mortgage is the thinking.
  29. Brando

    Home buying thread

    From .25 to .50%? Rates will still be relatively low.
  30. Brando

    Soccer 2014 - 2015

    Hahaha, poor Bitters..... https://v.cdn.vine.co/r/videos_h264h...JvXEH06HBAY.05
  31. Brando

    Home buying thread

    Just confirm they'll allow for recurring as well as non-recurring closing costs. Recurring are taxes, insurance, and interest and some lenders will not allow a seller credits to go to those. You're dealing with a broker if they'll only give you 30 day rates, you can get longer usually...
  32. Brando

    Home buying thread

    A seller cannot contribute towards your down payment. So if you have $2k left over then your loan amount will be decreased by that amount. Best to find a way to use up the entire $7k whether through an interest rate buy down or other means.
  33. Brando

    Funny, Strange, Random Pics

    Pfft, like you bitches wouldn't be motor boating that the first chance you get.
  34. Brando

    Soccer 2014 - 2015

    That game should have ended like 10-2 for Barca, just some pretty terrible finishing which off-set some really amazing team play by Barca. They can get away with some of the shithouse tactics because they at least play well. Meld A. Madrid's or Cheslki's overall cuntishnesh with shithouse...
  35. Brando

    Soccer 2014 - 2015

    Dear god, Messi is just toying with ManC right now. Hilarious and amazing.
  36. Brando

    Soccer 2014 - 2015

    Sorry, I'm not an Everton fan.
  37. Brando

    Home buying thread

    Wasn't a story about unforeseen real estate cost, was a story about a pussy as you call him thinking he'd be in his current house for a long time but now he won't be. Regardless of the example the point being shit happens.
  38. Brando

    Home buying thread

    Humans can't predict the future unfortunately. You may think you are buying your dream house and you'll never move but you have no way to know. One of my best friends is buying a house right now for barely more than his current house in size and value. There is nothing wrong with his current...
  39. Brando

    Home buying thread

    Correct, which is why it's never really spoken about or advertised. You save interest over the life of the loan, that's about it. The average life of a loan for most servicing portfolio's is just over 4 years right now, the average person will never get to the end of a 15yr or 30yr term.