tOfficial Not really a Night Shift Thread v60, with less spicy sauce.

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Dole ver 2.0 said:
If you order online, they will deliver it free and set it up, which means they'll unbox it, plug it in and turn it on. That's it. In setting it up, they want you to integrate with Alexa for voice controls and want you to agree that they can track what you watch and what you do online. I skipped that part.

The biggest thing is that you may have to get a new and much larger stand for it.
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Dole, I'm surprised you don't have Alexa reading you The Communist Manifesto every night in a pleasant Russian accent! :shrug:
 
moxie said:
I guess that's what also sucks about being hourly - my monthly gross isn't always the same. The difference between what I'm supposed to make and what I actually make is just over 10% (if anyone trusts my maths :laugh: )
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If your income fluctuates, they’ll compare your YTD average to what you made last year on average and take the lower of the two.
 
WestEndVol said:
Thought I'd browse around and see what's going on. Is this the place to be or is the old Hoopla still going strong? Has much changed or is everything pretty much the same?
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we all liked it here but @HammerDown cheated tabascojet out of vmonnies and is using this extra e-cash to try to entice his gay lover Whitemamba back so they can make love in his paranoid schizophrenic doomsday bunker.

so who knows how that's going to work out.
 
williewilliejuan said:
If your income fluctuates, they’ll compare your YTD average to what you made last year on average and take the lower of the two.
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:think:
So I should wait until December so that my average is higher? My per hour wage increased, but I'm trying to work less hours so it may be a wash. Plus, who knows if I'll get a raise this year. I feel like this boss will be more stingy and give me the minimum instead of above average, like the last one always did.
 
Camfantasy said:
we all liked it here but @HammerDown cheated tabascojet out of vmonnies and is using this extra e-cash to try to entice his gay lover Whitemamba back so they can make love in his paranoid schizophrenic doomsday bunker.

so who knows how that's going to work out.
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Pretty much this. And Shagmmer bought a bunch of gamestop stonks that he just lost his ass on this morning, so he's using all of our vcash to buy more silver so he and mamber can have matching goblets made.
 
WestEndVol said:
Thought I'd browse around and see what's going on. Is this the place to be or is the old Hoopla still going strong? Has much changed or is everything pretty much the same?
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I, basically, quit on the old site shortly before Hammer stood this one up.

The derp-level of shetposting, piss-poor maintenance, and general dooshery of the 'new powers-to-be' at EuroHoop just became insufferable.

This place is quite the breath of fresh air. Stick around, bro! :suds:
 
WestEndVol said:
View attachment 19261
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who is that GIF
 
Mofo said:
Hi-Yaa, that's a good deal. I'm jealous.
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I typed a bunch of those letters into the googlie, and they are, in fact, the same telly. Just one letter off because they're made for the warehouse stores. There's one at Best Buy that's an "excellent" open box for $1709, but I don't think the drive to that store (70 miles away) is worth it. Plus, I ain't picking up shit! Delivery or death. When I bought this lil' fella a little over 5 years ago, I had a convertible and had to put the top down all the way home because the packaging was so unwieldy and awkward. Stupid geek squad nerds stabbed a hole in the screen with their stupid fat thumb when they delivered/set up the first one and I had to pick up if I wanted it the same day. But I did get a free upgrade to the next model because they were out of the one I had bought.
 
moxie said:
:think:
So I should wait until December so that my average is higher? My per hour wage increased, but I'm trying to work less hours so it may be a wash. Plus, who knows if I'll get a raise this year. I feel like this boss will be more stingy and give me the minimum instead of above average, like the last one always did.
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Not necessarily. First, what are you trying to finance?

Second, what are your other debts (Credit cards, cars, student loans, etc)?

The most important things to get a loan (I’m specifically talking mortgage here) are:

- Your credit score: Anything over 700 is good, but you can get a mortgage with a score as low as 580

- Your ratios: Lenders primarily look at two different ratios (housing to income and debt to income). The first one looks at the ratio of your monthly housing expenses to your average monthly gross income. A good ratio here is 31% or less. The second one adds all of the monthly expenses you’d see on a credit report (credit cards, car loans, student loans, etc) and compares that to your average monthly gross income. A good DTI or back ratio is 43%, but higher ratios are approvable. This doesn’t include things like groceries or utilities.

- Down payment and where it came from. Savings is better than a gift.

- Cash reserves
 
Dole ver 2.0 said:
Its only February. That's waiting too long. Act now and get it over with.
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I can wait. I need to seriously consider buying real estate because my tax situation continues to hurt my feelz.
 
WestEndVol said:
Thought I'd browse around and see what's going on. Is this the place to be or is the old Hoopla still going strong? Has much changed or is everything pretty much the same?
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The old Hoop is great, lots of tards like Craig don't post there anymore, it's wonderful
 
Camfantasy said:
we all liked it here but @HammerDown cheated tabascojet out of vmonnies and is using this extra e-cash to try to entice his gay lover Whitemamba back so they can make love in his paranoid schizophrenic doomsday bunker.

so who knows how that's going to work out.
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fox accusing GIF by The Grinder

You were Hammer Loves Mamba weren't you?!
 
williewilliejuan said:
Not necessarily. First, what are you trying to finance?

Second, what are your other debts (Credit cards, cars, student loans, etc)?

The most important things to get a loan (I’m specifically talking mortgage here) are:

- Your credit score: Anything over 700 is good, but you can get a mortgage with a score as low as 580

- Your ratios: Lenders primarily look at two different ratios (housing to income and debt to income). The first one looks at the ratio of your monthly housing expenses to your average monthly gross income. A good ratio here is 31% or less. The second one adds all of the monthly expenses you’d see on a credit report (credit cards, car loans, student loans, etc) and compares that to your average monthly gross income. A good DTI or back ratio is 43%, but higher ratios are approvable. This doesn’t include things like groceries or utilities.

- Down payment and where it came from. Savings is better than a gift.

- Cash reserves
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Frig. I got through your first 3 points before my brain quit on me.

I need to think about buying a house.

Other debts are credit cards and car note. I do have an IRS debt that they don't know about yet, but it's going to catch up with me pretty soon so I'm sending in payments before they force the payments.

Credit score could use some fluffing, but it's not bad.

I suppose I could plug all those numbers into a calculator of some sort. :bawling:

Down payment would be savings and (I don't like this one bit, thus my inclination to wait or just keep renting) borrow from my 401k

Cash reserves would be nearly depleted for the down payment.
 
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