Search results

  1. Brando

    Soccer 2013-2014

    Wouldn't have even really been close if not for the comedy show called Skrtel and Toure. Fucking elated right now especially reading how dire Arse/ManUre were.
  2. Brando

    Soccer 2013-2014

    The best part about this whole thing is Whiskeynose would need to admit he's wrong in order to remove Moyes, something he is utterly incapable of doing. Moyes has no idea how to use the players he has nor how to build a team it seems. Both Mata, Rooney and Kagawa's best position is behind the...
  3. Brando

    True Detective

    Not really sure what else to say other than that was fucking amazing, really just the whole episode. The part where Maggie starts bitching at Rust and he just gets up and walks out was fucking awesome.
  4. Brando

    Soccer 2013-2014

    You can't even make this stuff up. He's somehow turned RvP into a periphery player. Fitting picture:
  5. Brando

    Soccer 2013-2014

    LOL, lets celebrate the home win over Fulham everybody!! Oh wait......
  6. Brando

    Soccer 2013-2014

    The amount of crosses is simply staggering. Moyes is truly clueless, I'm almost enjoying this as much as yesterdays game.
  7. Brando

    Home Improvement

    Couple of things: 1. The metal flange was completely rusted away so it wasn't the wax ring. 2. The flange is 1/2 inch below the floor. I ended up having to stack 2 wax rings to make up the height difference but this morning I noticed water around the toilet so that might not have worked...
  8. Brando

    Soccer 2013-2014

    Where's our resident Spuds fan? That was the biggest joke of a 1-0 win you will see anywhere. Townsend didn't even know where he was supposed to be playing. Most fluked results ever in a season and I can't believe you're still only 3 points behind LFC. The fixtures will catch up with Spuds...
  9. Brando

    Soccer 2013-2014

    Best volley of the season that doesn't score? My goodness.....
  10. Brando

    Soccer 2013-2014

    LOLOLOLOL. Fuck we're so good at home it's not even funny. Don't even care about the FA cup next weekend, this was worth it.
  11. Brando

    CFB 2013-2014

    USC did pretty well
  12. Brando

    Home Improvement

    That's the plan as my insurance deductable is $1,000 so I'll be getting no relief there.
  13. Brando

    Weight Loss Thread

    About 125 calories per 5 fl oz so a full bottle of 25.9 fl oz is only 647, depending on the type of beer that could be anywhere from 3-6 beers. My wife also makes me juice every morning with carrots, beats, kale, cucumber, etc. Fucking tastes horrible but it's all I have for breakfast and I...
  14. Brando

    Home Improvement

    Fucking $5 wax ring failed and my toilet in my master bedroom is leaking down to the first floor. Time to cut open the ceiling!
  15. Brando

    Weight Loss Thread

    Got a fitbit for Xmas, finally started using it about 3 weeks ago. I do 30 mins of lifting and 30 mins of cardio (fuck you stairmaster!) at least 5 times a week while keeping my diet under the calorie limit each day. I've gone from 198 to 190 but I've also found out I'm an alcoholic. Nothing...
  16. Brando

    DOTA 2

    Sometimes I question why I continue to play this game when you have so many retards that just fucking ruin it. Though this feeling only happens when in the middle of a streak like my current 0-6 or 2-12 or whatever shit run I'm on. Every game someone cries about reporting someone else and how...
  17. Brando

    Soccer 2013-2014

    No, I watched the whole match. Chelsea should have been leading 2 or 3 to 0 at half which is amazing considering only 4 players ever really crossed the half way line for them. Which gets me back to my point, you can't say Mourinho was trying to play an open free flowing game. The issue was...
  18. Brando

    Home buying thread

    FHA 203k is based on the final value after all renovations not the initial value. Combine that with FHA's previous limit of $729,750 and now $625,500 in certain counties and that should explain why you would have $150,000 to spend.
  19. Brando

    Home buying thread

    You can do both, it shouldn't be an issue for the lender in question.
  20. Brando

    Home buying thread

    Right, your broker isn't a credit decision maker so he was basically giving the realtor a piece of paper that was just good for wiping his ass with it. Sometimes this business is retarded.
  21. Brando

    Home buying thread

    Every market is different so I can always be wrong but right now the big banks are just buying business and brokers rates are way worse. I would only recommend you go to a broker if you have a unique situation where you need a niche product. Otherwise you'll find it more expensive for a worse...
  22. Brando

    Home buying thread

    Pre-Qualification - Can vary but at it's core it's simply a loan officer like me issuing a system generated letter saying you are pre-qualified because I have DU or LP approval based on either what you told me or the documents you gave me. Some lenders may not even require that. Basically a...
  23. Brando

    DOTA 2

    Captains Draft and the captain argues with the whole team after the 1st pick and lets the last 4 random. Really helps with the MMR I tell you...........
  24. Brando

    Soccer 2013-2014

    Can't stand Mourinho but he certainly knows how to setup a team to be a bitch of shitbags and get a 1-0 result. Certainly makes the title race interesting and LFC's lack of investment in January that much more galling.
  25. Brando

    Home buying thread

    USDA doesn't really apply to SoCal so I can't speak to specifics, just broad outlines of what it is. It may require that class but I doubt it.
  26. Brando

    Home buying thread

    This is usually required for FHA when you have credit issues or Down Payment Assistance programs which again is tied to FHA financing in most cases. Since you more than likely have no credit issues and will not be using FHA for your financing then the class in question is a waste of your time...
  27. Brando

    Home buying thread

    All the monthly debts on your credit report + your anticipated housing PITI payment cannot exceed 43% of your gross income now in most cases. That's DTI. Rent, cell phone, utilities, none of that shit goes into it. Just credit report minimum monthly payments and PITI. PITI - Principle...
  28. Brando

    Soccer 2013-2014

  29. Brando

    Soccer 2013-2014

    Another corner turned, right?! LOL! Oh well, maybe Europa League is even a bridge too far for ManUre now....
  30. Brando

    Soccer 2013-2014

    LFC sign nobody and Chelsea now have 30 players out on loan. That is fucking stupid.
  31. Brando

    Home buying thread

    You get your pre-approval based on your house being sold. As far as your other debt, unless the lender says you cannot qualify for the amount you want and your situation is the same as when you bought your current house then there is no reason to expect there would be an issue. If you are...
  32. Brando

    Home buying thread

    One of my first deals I ever did was to refinance my parents out of their 12% fixed rate deal. Rates are still historically low until you get around 7%. Crone, basically you don't need to do anything other than sell your house and you should fine.
  33. Brando

    Home buying thread

    Do you even know how much you will qualify for as is and how that affects your purchasing power in San Antonio? You qualify based on the minimum monthly payment your credit card reports on your credit report, not how much you owe overall to any one creditor.
  34. Brando

    Soccer 2013-2014

  35. Brando

    Soccer 2013-2014

    Spurs were basically handed 9 points at the beginning of the season with some of the worst penalty decisions of the year. I'm not British so I don't really give a shit but I do find it somewhat amazing the shit that LFC and Suarez get in comparison to basically every other club and player when...
  36. Brando

    Europa Report - 2013 great year for sci fi

    It was ok, it certainly wasn't amazing nor would I go out of my way to watch it again. Certainly can do worse though.
  37. Brando

    Home buying thread

    You have a set amortization schedule that only adjusts every 5 years per your loan docs. Whatever you decide to do nothing will change until your interest rate is recast and your loan is re-amortized, your monthly payment during these first 5 years isn't affected whatsoever. You're just making...
  38. Brando

    Soccer 2013-2014

    And a good win sans Sturridge's horrendous penalty. On to the next one!
  39. Brando

    Soccer 2013-2014

    Heh, didn't see Darkseid post. Would have to agree I don't see Mata changing ManU's overall season, going to take a small miracle to get top 4 at this point. As far as LFC, think 3-0 is a bit harsh on Everton but we look so dangerous on the break it's not even funny. I wouldn't expect LFC...
  40. Brando

    Home buying thread

    As I said, that's why you need to check your loan docs. Good to know.