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If it was Suarez that did that the internet would be ablaze, instead it's just another player diving and looking stupid :rollseyes:

You'd think an NFL QB could do better than that but then again it's Ponder, he was probably trying to hit on the girl next to her and missed....

Guess I need to get a 360 controller, never used one on a computer.

Hootie, you're a fucking retard. That is all.

Ponder sucks donkey balls so I'm sticking with the Bears this weekend. Next week vs. the Pack, not so sure....

Are the PC controls for this way off in comparison to the console? I'm not that far into it but right now I have a sequence that says I have to kill 3 guys from around a corner and I can't get into a position in a corner near anybody for the life of me without somehow being found by an officer...

I'd say you always choose a 1099 if possible. You can then file a schedule C and you don't have the limits for deductions for work place expenses like you do on the 2106 form you file if you are w-2'd.

Hopefully Ermey called you a maggot before agreeing to take that picture, would be only fitting......

He really wasn't all that good at USC though at least he was playing unlike Cassell.....

Kind of hard to tell just for that minute of footage. Is there even any space battles?

It's been about 5 months now that I've been working from home though I wouldn't call it that so much as being mobile as I'm out of the house meeting clients, attending office meetings or prospecting at least half the week while my assistant is still sitting in our main office handling the...

Gotze is still probably the most talented one though Reus is a close 2nd. Both can play on the wings or behind the striker with Reus actually able to play as a striker as well. If you believe the FM2013 rankings then their u21 team is even more stacked with some of them playing in that last CL...

First kid wasn't planned but shit happens. After that we figured it would be best to get the 2nd one out of the way since we already had the first. One thing I always tell my friends to watch out for is some women never truly recover from the post partum and it gets worse after each successive...

Two girls, 6 and 8, and I married a latina so you can imagine the estrogen flowing in my house They basically watch all the shows on Disney Channel; Shake It Up, Hey Jessie, Dog with a Blog, etc.

The fact that we had to deal with Tyen, Trexx and Req spouting bullshit for a whole day because Evelys forgot where he put down his ball sack is enough for me. Fuck this guy, he wasted multiple peoples time and effort and to top it off he doesn't even have a vag which would at least somewhat...

Hah, why try to improve when you're getting paid $5mm as a public employee to basically be mediocre? That's just pathetic........

Tyen still lives with Req right? After reading those posts yesterday I can't imagine what kind of asshattery happens on a daily basis at that place.....

They are which is why they need to sell Reus, Gotze and Lewandowski to LFC ASAP

Cut seems to have forgotten his midwestern values, location must have been mistyped

I think the point being missed is that the conversation started in how you should just save yourself the $350 or whatever is typical in your area. In a real estate transaction having someone point out things that need to be fixed and is neutral having already received their money makes it a lot...

There"s your problem, B of A isn"t in the business of doing any loans at the moment. Most lenders are only doing FHA Streamline"s that they currently service but I would try calling a local broker, hopefully one someone you know has dealt with, to see if there are any local lenders that will do it.

You"re going through the same bank that gave you your purchase loan, right? There is no FICO requirement on FHA Streamline Refinances, you just have to be current the last 12 months. No credit, income or asset verification and no appraisal. It"s the easiest loan you can possibly do. As far as...

The realtor should be giving you a list of inspectors, just not one. I would do it if I were you just for piece of mind as while they cannot find anything inside the walls unless there are tell tale signs at least you won"t be kicking yourself if something does come up after closing whether the...

You can"t do an FHA streamline unless you already have an FHA loan, if you have an FHA loan then you can never do a HARP deal. HARP is only Fannie/Freddie loans before 2010. Unless you know for a fact that you"re going to stay in that house 30 years then I"d always suggest taking the monthly...

The request for repairs is an addendum to the contract or to escrow depending on the state that you are in. You should be noting on the request that the repairs are to be done by a licensed contractor and you need a copy of receipt. The deal can"t close until this addendum has been signed by all...

Ok, so it"s not zero points. Make sure you check how much your saving by paying the 1/2 point compared to taking the 3.375% and what your break even point is. While it"s impossible to predict the future you want to have a reasonable idea that you"ll still have the house and loan by at least that...

Pricing differs by region and some banks even do it by state but that would be the first instance I"ve seen of 3.25%. Unless you"re getting a Jumbo the Fannie/Freddie risk adjusters kick in at 75% LTV regardless of FICO for risk. The FICO cutoff is 740 anything above that and you"re getting the...

I would have to go back through the thread and read every response I gave but I don"t recall defending any bank practice, I was simply giving my experience in regards to dealing with REO"s and how usually work is done. Every market is different as I was noting to Cut, I can"t possibly know in...

I just locked in 2 people today at 3.375% while paying all their closing costs. 30YR Fixed, no points, $300k loan amounts and 25% down.

And again you"re taking something I didn"t say and making it a point of contention. They are fixed up to make them sellable and lendable, not to match a standard sale that someone has lived in. I"m readily admitting in multiple places that most buyers experiences are not great ones. Though...

Haha, used car salesman? Really? I like how you clearly have only your own view through your own personal prism of whatever part of MN you live in and your sister is looking to buy in yet somehow that makes me talking to you as if I"m in an Ivory tower and it"s all theoretical with no real...

You assume your experience and others is the result of the bank in question not giving a shit which is only a partial truth like I"m noting. I"m not saying your experience is unique, I deal with it all the time with my own clients. You"re taking something I"m noting, that inventory is low right...

Hahah, yeah banks are in the business of losing money. You do understand that every day these are on the books it"s money out the door right? There"s 2 issues with inventory right now; first the robocall bullshit that B of A and others started was so stupid all foreclosures in a lot of areas had...

I can"t speak for every market, just what I see on a daily basis in a job that revolves around this subject. The asset manager at the bank in question is going to have comps and hopefully the listing agent they contract with knows what they are doing to set a good price and make sure things are...

National figures would disagree but there are always markets or micro markets that buck the trend. My bank went from 8000 properties for sale nationally to now just short of 3k. Most other big banks have seen similar drops in properties for sale.

Anything that sells quickly is either because it was priced below market to begin with or there is just not a lot of inventory so demand is high.

There"s usually a broker open before a property hits the MLS for brokers to come by and see the property for their clients. I"m not saying it will sell before it hits the MLS but the hope would be that you know about the property ASAP.

Cad, did you buy your house talking directly to the asset manager at the bank that owned your house? Unless you say otherwise I"m going to guess no. I"ve worked at both B of A and Wells Fargo and still have friends working there, they can"t even talk to the asset managers so unless you have to...

In my experience most realtors will get a feel for what you like/don"t like after a weekend or two of showings and should be able to highlight ones they"ve seen or ones that came on the market that you would like. Keep in mind that they don"t get paid until you close on your purchase so they...

Without working in the business most people wouldn"t understand but pre-approvals are worthless pieces of paper. No bank is going to take the time to have their few underwriters look at every possible deal therefore most pre-approvals are just a word document that a loan officer like me (with no...