Pennock's Fiero Forum
  Totally O/T - Archive
  How To Increase Your Worth By NOT Being A Nice Guy!

T H I S   I S   A N   A R C H I V E D   T O P I C
  

Email This Page to Someone! | Printable Version


How To Increase Your Worth By NOT Being A Nice Guy! by Boondawg
Started on: 07-15-2006 03:11 PM
Replies: 21
Last post by: lurker on 07-16-2006 11:54 PM
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-15-2006 03:11 PM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
From Here:
http://www.fiero.nl/forum/Forum6/HTML/043024.html
 
quote
Originally posted by Deabionni:
You're debt to income ratio has to be below a certain percentage (usually about 35%), or you'll be declined for the loan.


UPDATE!
I just got the call to go sign the papers!
I'm going to pick up the check as we speak!


That got me to thinking...................

What if, ON PAPER, I charged my mother-in-law $500 bucks a month rent, and a $300 a month car payment?
So I went back to the bank with these new numbers.
AND I GOT THE LOAN!!!!!
$5,000 @ 12% = $172.00 a month payments!


So there you go.
I told the bank that this was ONLY on paper, and they didn't even care!
They said that's ALL they look at!

I could have had the check yesterday afternoon, but their DOCS (?) machine was down.
But the loan passed preliminary & then final approval, and was verbally approved.
Just waiting for DOCS (?) machine to spit out the paperwork I need to sign.
Ofcourse, I'm not counting my chickens until they're hatching in my hand, in the form of a check.
But I should be driving my truck by Monday!

The lesson?
If you want to get ahead, CHARGE FOR EVERYTHING!
Or at least make it SEEM like you do, on paper!
Becouse on paper, GOOD GUYS finish last.

"Lately, it occurs to me, What a loooooooooooooooong, strange, trip, it's beeeeeeeeen."

Greatful Dead - Truckin'

Truckin' got my chips cashed in. Keep truckin', like the do-dah man
Together, more or less in line, just keep truckin' on.

Arrows of neon and flashing marquees out on Main Street.
Chicago, New York, Detroit and it's all on the same street.
Your typical city involved in a typical daydream
Hang it up and see what tomorrow brings.

Dallas, got a soft machine; Houston, too close to New Orleans;
New York's got the ways and means; but just won't let you be, oh no.

Most of the cats that you meet on the street speak of true love,
Most of the time they're sittin' and cryin' at home.
One of these days they know they better get goin'
Out of the door and down on the streets all alone.

Truckin', like the do-dah man. Once told me "You've got to play your hand"
Sometimes your cards ain't worth a dime, if you don't lay'em down,

Sometimes the light's all shinin' on me;
Other times I can barely see.
Lately it occurs to me What a long, strange trip it's been.

What in the world ever became of sweet Jane?
She lost her sparkle, you know she isn't the same
Livin' on reds, vitamin C, and cocaine,
All a friend can say is "Ain't it a shame?"

Truckin', up to Buffalo. Been thinkin', you got to mellow slow
Takes time, you pick a place to go, and just keep truckin' on.

Sittin' and starin' out of the hotel window.
Got a tip they're gonna kick the door in again
I'd like to get some sleep before I travel,
But if you got a warrant, I guess you're gonna come in.

Busted, down on Bourbon Street, Set up, like a bowlin' pin.
Knocked down, it get's to wearin' thin. They just won't let you be

You're sick of hangin' around and you'd like to travel;
Get tired of travelin' and you want to settle down.
I guess they can't revoke your soul for tryin',
Get out of the door and light out and look all around.

Sometimes the light's all shinin' on me;
Other times I can barely see.
Lately it occurs to me What a long, strange trip it's been.

Truckin', I'm a goin' home. Whoa whoa baby, back where I belong,
Back home, sit down and patch my bones, and get back truckin' on.

[This message has been edited by Boondawg (edited 07-15-2006).]

IP: Logged
PFF
System Bot
Patrick
Member
Posts: 30514
From: Vancouver, British Columbia, Canada
Registered: Apr 99


Feedback score: (1)
Leave feedback





Total ratings: 443
Rate this member

Report this Post07-15-2006 03:15 PM Click Here to See the Profile for PatrickClick Here to Email PatrickSend a Private Message to PatrickDirect Link to This Post
 
quote
Originally posted by Boondawg:

AND I GOT THE LOAN!!!!!
$5,000 @ 12% = $172.00 a month payments!



Uh oh, I see more threads on this in the future. And they won't be pretty...

IP: Logged
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-15-2006 03:23 PM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
 
quote
Originally posted by Patrick:


Uh oh, I see more threads on this in the future. And they won't be pretty...


Are we talking about PICTURES?!!!

Come on now, you know I don't go out for THAT kind of thing!
I'm ALL about NOT tooting my OWN horn!
I'm too shy, and WAY too busy, to sit at the computer for hours at a time hashing & rehashing the minutia that makes up my life!

[This message has been edited by Boondawg (edited 07-15-2006).]

IP: Logged
Patrick
Member
Posts: 30514
From: Vancouver, British Columbia, Canada
Registered: Apr 99


Feedback score: (1)
Leave feedback





Total ratings: 443
Rate this member

Report this Post07-15-2006 03:29 PM Click Here to See the Profile for PatrickClick Here to Email PatrickSend a Private Message to PatrickDirect Link to This Post
 
quote
Originally posted by Boondawg:

Are we talking about PICTURES?!!!



Nah, I'm talking about content. You know, stuff like defaulting on loan payments, repossession of vehicles, that kind of drama...

IP: Logged
Toddster
Member
Posts: 20834
From: Roswell, Georgia
Registered: May 2001


Feedback score:    (41)
Leave feedback





Total ratings: 503
Rate this member

Report this Post07-15-2006 03:31 PM Click Here to See the Profile for ToddsterClick Here to Email ToddsterSend a Private Message to ToddsterDirect Link to This Post
Finanical success is not that hard. I think it was J P Getty who said all you needed to do was, "Get up early, work hard, and strike oil".
IP: Logged
ryan.hess
Member
Posts: 20784
From: Orlando, FL
Registered: Dec 2002


Feedback score: (1)
Leave feedback





Total ratings: 319
Rate this member

Report this Post07-15-2006 03:35 PM Click Here to See the Profile for ryan.hessClick Here to Email ryan.hessSend a Private Message to ryan.hessDirect Link to This Post
So... If I were charging a friend $1000/mo for rent... Could I get a $100,000 loan?

That will be a good start to my new life as Josť in Guadelajara. I live like a king, si!
IP: Logged
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-15-2006 03:53 PM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
 
quote
Originally posted by Patrick:


Nah, I'm talking about content. You know, stuff like defaulting on loan payments, repossession of vehicles, that kind of drama...


DOH!
You're thinking, making it financially so on paper, don't necessarily make it financially so in the real world!
That could be a good point, but I got a few aces up my sleave.

In a month, my Wife starts Bartending again.
That's atleast $200 bucks a week extra, in tips.
And don't forget, in October, every Alaska resident gets around $1,000 in Oil Dividends. (this year, with the oil prices, it looks like around $1,500.)
Or forced to it, no smoking cigarettes for a month makes the loan payment.
Or just cut back on a few "Recreational Ingestables".
Worst-case scenario, I can re-finace the other cars and pay the truck off.

I can make $172 a month payments standing on my head! (if i have too!)

[This message has been edited by Boondawg (edited 07-15-2006).]

IP: Logged
DL10
Member
Posts: 2350
From: Bloomington IL
Registered: Jun 2000


Feedback score:    (6)
Leave feedback





Total ratings: 160
Rate this member

Report this Post07-15-2006 03:58 PM Click Here to See the Profile for DL10Click Here to visit DL10's HomePageClick Here to Email DL10Send a Private Message to DL10Direct Link to This Post
One off the most successful businessman I know once told meÖÖÖItís not how much money you have in the bank that matters.. Itís how much you can get out that counts. Good luck with your new truck
IP: Logged
motoracer838
Member
Posts: 3751
From: Edgewater Co. USofA
Registered: Jan 2006


Feedback score: (2)
Leave feedback





Total ratings: 83
Rate this member

Report this Post07-15-2006 04:03 PM Click Here to See the Profile for motoracer838Click Here to Email motoracer838Send a Private Message to motoracer838Direct Link to This Post
 
quote
Originally posted by Boondawg:


Are we talking about PICTURES?!!!


I'm too shy, and WAY too busy, to sit at the computer for hours at a time hashing & rehashing the minutia that makes up my life!





Um ok.

Joe
IP: Logged
Patrick
Member
Posts: 30514
From: Vancouver, British Columbia, Canada
Registered: Apr 99


Feedback score: (1)
Leave feedback





Total ratings: 443
Rate this member

Report this Post07-15-2006 04:03 PM Click Here to See the Profile for PatrickClick Here to Email PatrickSend a Private Message to PatrickDirect Link to This Post
 
quote
Originally posted by Boondawg:

Or forced to it, no smoking cigarettes for a month makes the loan payment.



On a more serious note, doesn't the gist that statement make you sit back and think for a moment?

Friggen cigarettes...

IP: Logged
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-15-2006 04:26 PM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
 
quote
Originally posted by Patrick:


On a more serious note, doesn't the gist that statement make you sit back and think for a moment?




Yes, yes it does.

IP: Logged
PFF
System Bot
D B Cooper
Member
Posts: 3141
From: East Detroit, MI
Registered: Jul 2005


Feedback score: N/A
Leave feedback





Total ratings: 55
Rate this member

Report this Post07-15-2006 04:56 PM Click Here to See the Profile for D B CooperClick Here to Email D B CooperSend a Private Message to D B CooperDirect Link to This Post
nooooo !!! not the 'recreational ingestables' !!!!!!

seriously, about a year ago I started taking the 15-20 minutes a day to stuff my own smokes at a buck a pack. That frees up a couple hundred bucks a month more for, umm, other thingies...
IP: Logged
FieroOilAnalyst
Member
Posts: 719
From: Indianapolis, IN US
Registered: Feb 2004


Feedback score: N/A
Leave feedback

Rate this member

Report this Post07-15-2006 05:12 PM Click Here to See the Profile for FieroOilAnalystClick Here to visit FieroOilAnalyst's HomePageClick Here to Email FieroOilAnalystSend a Private Message to FieroOilAnalystDirect Link to This Post
 
quote
Originally posted by Boondawg:

Or forced to it, no smoking cigarettes for a month makes the loan payment.



Two days after I quit, I bought myself a car that had payments = to what I was spending a month in cigarettes. This helped me quit!!
IP: Logged
FrugalFiero
Member
Posts: 3501
From: MI
Registered: Nov 2003


Feedback score: N/A
Leave feedback





Total ratings: 77
Rate this member

Report this Post07-15-2006 05:24 PM Click Here to See the Profile for FrugalFieroDirect Link to This Post
 
quote
Originally posted by Boondawg:

Or forced to it, no smoking cigarettes for a month makes the loan payment.



Or just keep on smoking and you could likely increase your chances of NO payments!...

Tim
IP: Logged
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-15-2006 05:28 PM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
UPDATE!
I just got the call to go sign the papers!
I'm going to pick up the check as we speak!

IP: Logged
Formula88
Member
Posts: 53788
From: Raleigh NC
Registered: Jan 2001


Feedback score: (3)
Leave feedback





Total ratings: 555
Rate this member

Report this Post07-15-2006 05:46 PM Click Here to See the Profile for Formula88Send a Private Message to Formula88Direct Link to This Post
Congrats, dude!
When I was looking for a house, my mortgage broker told me I could qualify for a larger mortgage if I told him I had room mates that would be leasing rooms from me as x amount each month.
IP: Logged
Greg Z
Member
Posts: 1214
From: New Orleans
Registered: Jun 2004


Feedback score: N/A
Leave feedback

Rate this member

Report this Post07-15-2006 11:56 PM Click Here to See the Profile for Greg ZClick Here to Email Greg ZSend a Private Message to Greg ZDirect Link to This Post
 
quote
Originally posted by DL10:

Itís not how much money you have in the bank that matters.. Itís how much you can get out that counts.


This is a very high impact statement that couldn't be any more true, yet no one has commented on it?

------------------

IP: Logged
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-16-2006 04:19 AM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
The fruits of my transformation:


IP: Logged
Deabionni
Member
Posts: 4086
From: Kalkaska, MI
Registered: Mar 2004


Feedback score: N/A
Leave feedback





Total ratings: 116
Rate this member

Report this Post07-16-2006 05:28 PM Click Here to See the Profile for DeabionniClick Here to Email DeabionniSend a Private Message to DeabionniDirect Link to This Post
 
quote
Originally posted by Boondawg:

That got me to thinking...................



Glad I could help!

Condradulations!!! This new pickup HAS to be better than the last one you got!
IP: Logged
Boondawg
Member
Posts: 37924
From: Displaced Alaskan
Registered: Jun 2003


Feedback score: N/A
Leave feedback





Total ratings: 337
Rate this member

Report this Post07-16-2006 05:37 PM Click Here to See the Profile for BoondawgClick Here to Email BoondawgSend a Private Message to BoondawgDirect Link to This Post
 
quote
Originally posted by Deabionni:


Glad I could help! Condradulations!!!


Yes indeed!

 
quote
Originally posted by Deabionni:
This new pickup HAS to be better than the last one you got!


Well, I guess someone had to say it.
Beeatch!

IP: Logged
DjDraggin
Member
Posts: 2854
From: St Louis, MO. USA
Registered: Feb 2003


Feedback score: N/A
Leave feedback





Total ratings: 51
Rate this member

Report this Post07-16-2006 07:49 PM Click Here to See the Profile for DjDragginSend a Private Message to DjDragginDirect Link to This Post
Nice spread... I woulda done the same when I had to transfer cash for buying my house.. but I wasnt about to get outa my car holding this!!!

15 Grand in $100 bills This marks the third time in my life Ive been toating this kinda cash. Holding it sure makes what your doing feel right.. its the giving it away all in one hand to another that makes you go aWWWW Damn... LOL

I saw the truck and I think its worth it.. MUCHHH better choice.. and as far as smoking goes.. Never smoked cigs before and I see the prices and I feel the pain but I'm a pipe smoker and It is way better for you in so many ways!! For one.. the cost, I can buy an OZ of gooood tobacco for about $3, right now theres a store liqudating its bulk stuff for 50C a oz and it does the trick, For 2, It gives one hell of a buzz if youve never smoked before almost pot like but shorter. 3rd believe it or not.. Much healthier, yes there risk but much lower then cigs. Dont inhale as much as I do and your lugs will thank you, you dont have to chain smoke, theres not as many chemicals, yadda yadda. and you look cool smokin a pipe.. LOL well Im done.. Like I said I spend a 1/4 of what cig smokers do..

Enjoy the bucks while you got them.. its fun to lay naked in bed on them!!! (dont tell us and DOnT take pics) L8

BTW.. I didnt fan the bills well enough, but theres bills on bills on bills

------------------

Ferrari 308 GTB rebody on a modified 86SE chasis Soon to have a highly hooped up 3800SC..Ohh yeah baby!! I like a lil Whine with my meal when I go out to eat Rice
Contacts _ AIM / Zildjianfx _ Yahoo / djdraggin
Remember, always brush your milk, drink your teeth, dont do sleep and get eight hours of drugs.

[This message has been edited by DjDraggin (edited 07-16-2006).]

IP: Logged
PFF
System Bot
lurker
Member
Posts: 12342
From: salisbury nc usa
Registered: Feb 2002


Feedback score: N/A
Leave feedback





Total ratings: 234
Rate this member

Report this Post07-16-2006 11:54 PM Click Here to See the Profile for lurkerClick Here to Email lurkerSend a Private Message to lurkerDirect Link to This Post
 
quote
Originally posted by Boondawg:
Or just cut back on a few "Recreational Ingestables".

this one is easy.
$20 for flourescsnt shop lights
$20 for gro-light tubes
$5 for a timer switch
$1.50 for a roll of aluminum foil
$0.50 for a roll of scotch tape
never buy another bag

note that i'm not advocating that you do anything illegal.
IP: Logged



All times are ET (US)

T H I S   I S   A N   A R C H I V E D   T O P I C
  

Contact Us | Back To Main Page

Advertizing on PFF | Fiero Parts Vendors
PFF Merchandise | Fiero Gallery | Ogre's Cave
Real-Time Chat | Fiero Related Auctions on eBay



Copyright (c) 1999, C. Pennock