tOfficial Night Shift Thread, get your kicks on v66, and do your f*cking time card

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Dolemite censored said:
You need to see a certified financial planner. Just get the recommendations and financial plan and review them yourself. I know you hate being told things, and you don't have to follow the recommendations. They can give you an insight you might not have thought of before.
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I was watching a show on Netflix the other day and the expert said to pay an hourly rate (never a percentage) to get their advice basically on an ad hoc basis. I should probably meet with one at least once just to get my ducks in a row.
 
Dolemite censored said:
You need to see a certified financial planner. Just get the recommendations and financial plan and review them yourself. I know you hate being told things, and you don't have to follow the recommendations. They can give you an insight you might not have thought of before.
Click to expand...

btw... fuck biden. what is this shit about good credit costing more in mortgages??
 
Omfg. I just realized that I might be changing my mind on the tranny thing. In the past, I’ve [maxie] gotten “reprimanded” on more than one occasion for using the men’s restroom in public when the women’s line has been around the building. I can just say I identify as a dude to do that now, right? That’s the way it works? And bouncers can’t say fuck all about it?
 
moxie said:
Omfg. I just realized that I might be changing my mind on the tranny thing. In the past, I’ve [maxie] gotten “reprimanded” on more than one occasion for using the men’s restroom in public when the women’s line has been around the building. I can just say I identify as a dude to do that now, right? That’s the way it works? And bouncers can’t say fuck all about it?
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if i ever go to prison.... i'm all in for the tranny shit
 
Heh…someone just asked for me to “bare” with them while they update some calendar invites. Should I hit them with a little sex-ha’s suit?
 
moxie said:
In the past, I’ve [maxie] gotten “reprimanded” on more than one occasion for using the men’s restroom in public when the women’s line has been around the building.
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In a college town that's called a Monday.
 
Dolemite censored said:
It's insane, but it only applies to Fannie Mae and Freddie Mac mortgages.

Has @williewilliejuan exposited on this abomination?
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Yes. It’s their new LLPA (loan-level pricing adjustment) grid. It doesn’t reward poor credit. The LLPAs get higher as the FICO scores get lower. It does reward first time homebuyers and people who make a smaller downpayment. The LLPAs at 75.01 - 85.00% are higher than they are at 85.01% -95.00%, which makes no sense from a risk standpoint. The LLPAs from 95.01 - 97.00% are lower still. You have to be a first time homebuyer in that bucket. They’re basically subsidizing the lower down payment risk by increased LLPAs in the lower LTV tranches.
 
moxie said:
Omfg. I just realized that I might be changing my mind on the tranny thing. In the past, I’ve [maxie] gotten “reprimanded” on more than one occasion for using the men’s restroom in public when the women’s line has been around the building. I can just say I identify as a dude to do that now, right? That’s the way it works? And bouncers can’t say fuck all about it?
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Yeah, but you all hover over the seats and piss on them.

Use the urinals like we do.

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The carry pouch is a nice touch.
 
williewilliejuan said:
Yes. It’s their new LLPA (loan-level pricing adjustment) grid. It doesn’t reward poor credit. The LLPAs get higher as the FICO scores get lower. It does reward first time homebuyers and people who make a smaller downpayment. The LLPAs at 75.01 - 85.00% are higher than they are at 85.01% -95.00%, which makes no sense from a risk standpoint. The LLPAs from 95.01 - 97.00% are lower still. You have to be a first time homebuyer in that bucket. They’re basically subsidizing the lower down payment risk by increased LLPAs in the lower LTV tranches.
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Now dat dere is what I calls exposited, you dig?
 
williewilliejuan said:
Yes. It’s their new LLPA (loan-level pricing adjustment) grid. It doesn’t reward poor credit. The LLPAs get higher as the FICO scores get lower. It does reward first time homebuyers and people who make a smaller downpayment. The LLPAs at 75.01 - 85.00% are higher than they are at 85.01% -95.00%, which makes no sense from a risk standpoint. The LLPAs from 95.01 - 97.00% are lower still. You have to be a first time homebuyer in that bucket. They’re basically subsidizing the lower down payment risk by increased LLPAs in the lower LTV tranches.
Click to expand...
Dax Shepard Money GIF
 
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