Sternocleidomastoid
| Favorite team: | LSU  |
| Location: | La Northshore |
| Biography: | |
| Interests: | LSU football, live music and crawfish monica |
| Occupation: | Big Earl |
| Number of Posts: | 214 |
| Registered on: | 4/9/2010 |
| Online Status: | Not Online |
Recent Posts
Message
re: Best British band of all time. Who dat?
Posted by Sternocleidomastoid on 11/22/13 at 9:40 pm
quote:
mistuh sleepuh altuh
There is a whole new world out there w/this lingo
I sleep since membership of 2010, then.
Lurker gone bad.
0
Best British band of all time. Who dat?
Posted by Sternocleidomastoid on 11/22/13 at 9:16 pm
I am partial to Led Zeppelin.
OK, Beatles...but not my generation
Rolling Stones
The Who
OK, Beatles...but not my generation
Rolling Stones
The Who
Heart playing Led Zeppelin tunes
Posted by Sternocleidomastoid on 11/22/13 at 7:54 pm
Mighty fine stuff.
Saw Heart w/Bonham's son over summer.
If you get the opp, do it.
Saw Heart w/Bonham's son over summer.
If you get the opp, do it.
Selling home FSBO
Posted by Sternocleidomastoid on 11/22/13 at 6:23 pm
For Sale By Owner
Very hot seller's market (N. Houston)
Is only route to Multiple Listing System (MLS) via a real estate agent (ie, commissions)?
Very hot seller's market (N. Houston)
Is only route to Multiple Listing System (MLS) via a real estate agent (ie, commissions)?
What grade do you give your personal finance skills?
Posted by Sternocleidomastoid on 11/22/13 at 1:02 pm
Debt: Credit, credit cards, mortgages, auto, etc.
Budgeting
Long-term financial planning
Risk / Insurance
Investments: 401k, 403b, stock portfolio
Real Estate
etc
Budgeting
Long-term financial planning
Risk / Insurance
Investments: 401k, 403b, stock portfolio
Real Estate
etc
re: Land as an investment
Posted by Sternocleidomastoid on 11/21/13 at 10:36 pm
Carrying costs...
Keep them low
Keep them low
re: Board rookie question -- can you say VAGINA on this board?
Posted by Sternocleidomastoid on 11/21/13 at 10:29 pm
quote:
SternocleidomastoidIOOC
I have lurked enough...
Time to get to know you...
Board rookie question -- can you say VAGINA on this board?
Posted by Sternocleidomastoid on 11/21/13 at 10:25 pm
You Puritans...
Liquid Jelly Monkey Love
Posted by Sternocleidomastoid on 11/21/13 at 9:55 pm
Cover band from Baton Rouge area...prime in early 1990's...big time play at The Caterie
Anyone remember them?
Absolutely
Anyone remember them?
Absolutely
Trombone Shorty
Posted by Sternocleidomastoid on 11/21/13 at 9:54 pm
That is all.
Powerful...
Suburbia, Neph, Backatown
Do it.
Powerful...
Suburbia, Neph, Backatown
Do it.
re: Just how exactly do we cover Mike Evans?
Posted by Sternocleidomastoid on 11/19/13 at 7:55 pm
With a good LSU O rushing game plan...
New Home Purchase Mortgage scenarios: Seeking Input
Posted by Sternocleidomastoid on 11/17/13 at 11:41 am
Buying new home -- the final one so says our plan...!
Context:
I am 18 yrs w/company. Plan to work 12 - 15 yrs more w/company
However, wife & I took a life decision: no more relos so this is it. This decision puts me at risk of exiting company in 5 or so yrs making significantly less $ upon exit.
Married w/2 kids in grade school. Wife is stay at home Mom and college educated--ready to enter work place if I need to exit -- worst case.
Have planned for this so we have saved for their private school that covers them through high school. Their college 529s will be funded to our target $ in next 3-yrs. Have daughter's wedding savings nearly funded, albeit bologna sandwiches and Olympia beer level! Kidding.
To the mortgage scenario:
30-yr fixed mortgage at 4.125%
Can put down: 20 - 50%
If 20%, would invest balance of 30%. to target > 4.125% return. This scenario would stress home budget if exit company in 5-yrs.
If 50%, would regret opportunity to invest. Although, after 2008, having shifted thinking to more $ in hard assets.
Given key risks of economy, interest rates propensity up, inflation, and job scenario...
Seeking TD input. Much appreciated...
Context:
I am 18 yrs w/company. Plan to work 12 - 15 yrs more w/company
However, wife & I took a life decision: no more relos so this is it. This decision puts me at risk of exiting company in 5 or so yrs making significantly less $ upon exit.
Married w/2 kids in grade school. Wife is stay at home Mom and college educated--ready to enter work place if I need to exit -- worst case.
Have planned for this so we have saved for their private school that covers them through high school. Their college 529s will be funded to our target $ in next 3-yrs. Have daughter's wedding savings nearly funded, albeit bologna sandwiches and Olympia beer level! Kidding.
To the mortgage scenario:
30-yr fixed mortgage at 4.125%
Can put down: 20 - 50%
If 20%, would invest balance of 30%. to target > 4.125% return. This scenario would stress home budget if exit company in 5-yrs.
If 50%, would regret opportunity to invest. Although, after 2008, having shifted thinking to more $ in hard assets.
Given key risks of economy, interest rates propensity up, inflation, and job scenario...
Seeking TD input. Much appreciated...
re: Was Devery's Bluegrass Miracle
Posted by Sternocleidomastoid on 11/17/13 at 10:33 am
Great play...
But, I never invested too much of my pride in that it took a miracle to beat Kentucky in football...
ESPY award did not change that for me, either.
But, I never invested too much of my pride in that it took a miracle to beat Kentucky in football...
ESPY award did not change that for me, either.
re: Married folks: bank accounts and bill paying question
Posted by Sternocleidomastoid on 11/16/13 at 8:26 am
We are all in together. Have been, are and will be.
If it ends up like a country music song, you can tell me you told me so
...which will be the title of the song.
If it ends up like a country music song, you can tell me you told me so
...which will be the title of the song.
Anyone have experience with direct internet mortgage lenders?
Posted by Sternocleidomastoid on 11/16/13 at 8:24 am
For example, Aimloan.com...
Low rates and relatively low fees...seem to take out middle man and use technology to lower costs is the biz model.
Watch outs?
Low rates and relatively low fees...seem to take out middle man and use technology to lower costs is the biz model.
Watch outs?
re: When Texas A&M and Texas renew their series, poor LSU.
Posted by Sternocleidomastoid on 11/9/13 at 6:10 am
That is a hot piss post right there.
Steaming.
Steaming.
Purchasing new home -- seeking recomendations on mortgage companies
Posted by Sternocleidomastoid on 11/9/13 at 6:05 am
Who dat you recommend?
Am a Citibank customer today...but thinking I can do better. I am not military / veteran, and I am not poor. I am not rich, either, and I have all 4 limbs.
Joshing aside...ideas are welcome! Thanks in advance...
Am a Citibank customer today...but thinking I can do better. I am not military / veteran, and I am not poor. I am not rich, either, and I have all 4 limbs.
Joshing aside...ideas are welcome! Thanks in advance...
re: Over/Under 35K Butts in Seats at the Start of 3rd Qtr?
Posted by Sternocleidomastoid on 10/26/13 at 8:31 am
More Tiger Water bottles than butt cheeks (cheeks counted by 2s)
re: Car Guys: Keep, Sell, or Trade
Posted by Sternocleidomastoid on 10/25/13 at 10:46 pm
I keep it until it dies and, post payoff, invest my note until its last breath.
I like $ more than cars.
I like $ more than cars.
re: Buying Home Question
Posted by Sternocleidomastoid on 10/25/13 at 8:04 pm
Keep your credit strong.
Save for 20% down (no mortgage insurance at your age).
Budget for monthly note, R.E. taxes and insurance in total not to exceed 20 - 25% (max) of your monthly take home pay.
With interest rates relatively low, finance fixed rate for 30-years.
Do not build home crystal meth lab!
Kidding...
Best of luck.
Save for 20% down (no mortgage insurance at your age).
Budget for monthly note, R.E. taxes and insurance in total not to exceed 20 - 25% (max) of your monthly take home pay.
With interest rates relatively low, finance fixed rate for 30-years.
Do not build home crystal meth lab!
Kidding...
Best of luck.
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