Random Thoughts - Part Deux [NO POLITICS]

[Cole]

Originally Posted by Teseo

Actually is the cocaine, is a derivative of the Ephedra. Pharmaceuticals use it to produce pseudoephedrine as nasal congestion medice

That's odd. Blow usually gives me a sinus infection for 1-5 weeks. Kind of the opposite effect.

[humfrz]

Originally Posted by Cole

That's odd. Blow usually gives me a sinus infection for 1-5 weeks. Kind of the opposite effect.

You're not supposed to snort the WHOLE bag! ......


humfrz

[humfrz]

Originally Posted by soulreapersteve

Stupid allergies... hoping they die down once I leave tomorrow.

Damn pollen.

Here ya go .......


humfrz

[ichitaka05]

Originally Posted by humfrz

Yes, although the 28% guideline is a bit conservative in most areas of the US.

A lot depends upon the solidarity of your income stream. If your job (income) is relatively secure and your income is stable, one could go higher.

Going higher than 28% (comfortably), would depend upon primary factors such as.

* a second income (from spouse)

* other monthly payments (like school loans, auto payments, CC payments, etc.)

* other obligations (child support, other debt payments).

* children

Back-in-the-day (here it comes .... ), I have paid up to 50% of my income for a house).

HOWEVER, that was in California (back in the 60s) and ..... the loan was VA backed; I had a wife with a degree in education, but did not work out of the home; we didn't have children; our car was paid off and I had a company car; my school loan was paid off; I had a solid job with excellent medical benefits ........ AND we were content for our home to be our main source of pleasure.

So, if your PITI (principal, interest, taxes and insurance) would be around 20% of your pre-tax income, you would be ahead of the curve.

If you have any other questions ...... just fire away ......


humfrz

Thanks for the detail info. It helps me understand better. Forgot to mention that it's both of ours (me & fiancé) income combine comes up to be 20% at first... but after checking w my bank for interest rate & recalculate, it came up to be 22~23% which still is below 28%.

I have my current job for... over 10yrs & have steady pay. Fiancé graduated last yr Aug & had that job since. Don't see her changing her job anytime either. Only debt we have is her wrx recently... which have bout $18k left. We want to make sure we have enough money set a side for emergency and make sure we don't buy a place that too much for us to pay.

[soulreapersteve]

Originally Posted by krayzie

Try Allegra this works the best for me.

Like WTF it's almost end of June and the weather is still a bit Spring like.

Yeah, usually pollen is a non-issue by now. And Allegra was next on my list also.

Originally Posted by Andrew025

I hear crack clears up your sinuses real good and works instantly.

No drowsy side effects.

I need to stop sneezing, sinuses are too clear!

Originally Posted by Teseo

Use 2 pumps each nostril daily to speed up, after 2nd day you will feel better

If things don't get better, I'll pick it up by the time I get to Oregon. Thanks!

[humfrz]

Originally Posted by ichitaka05

Thanks for the detail info. It helps me understand better. Forgot to mention that it's both of ours (me & fiancé) income combine comes up to be 20% at first... but after checking w my bank for interest rate & recalculate, it came up to be 22~23% which still is below 28%.

I have my current job for... over 10yrs & have steady pay. Fiancé graduated last yr Aug & had that job since. Don't see her changing her job anytime either. Only debt we have is her wrx recently... which have bout $18k left. We want to make sure we have enough money set a side for emergency and make sure we don't buy a place that too much for us to pay.

Sounds like you are in good shape .....


humfrz

[p1l0t]

Originally Posted by Cole

Is anyone in OT from around Duluth? Since I'm working in Thunder Bay for the next little while, I'm considering doing a little trip down that way on a weekend I have off. Need some recommendations for what to do.

If you can drink the water and breathe the air say SHHHH...

Sent from my SM-G920P using Tapatalk

[p1l0t]

If you're from the mid-west and it doesn't matter where... say SHHHH...

Sent from my SM-G920P using Tapatalk

[krayzie]

Originally Posted by p1l0t

If you can drink the water and breathe the air say SHHHH...

Sent from my SM-G920P using Tapatalk

It's all about negative ion intake.

But doesn't SHHHH make you wanna piss?

[p1l0t]

Originally Posted by krayzie

It's all about negative ion intake.

But doesn't SHHHH make you wanna piss?

I'm not real sure what effects sulfides have on the human body if that's what you thought I was talking about.

Sent from my SM-G920P using Tapatalk

[bcj]

Originally Posted by soulreapersteve

If things don't get better, I'll pick it up by the time I get to Oregon. Thanks!

Heading into the heart of darkness and heat index.



Best of luck and have a good trip.

Do you even lift pictures bro?

[krayzie]

Did someone say Oregon Trail??

[Tcoat]

Originally Posted by krayzie

Did someone say Oregon Trail??

Oh great. Now Steve is going to die from dysentery.

[Dadhawk]

So, @Tcoat did the bullet used in this have "Sorry!" printed on the side of it?

That was one hell of a shot. Go Canada!



(Oh, and love the "not to scale" disclaimer. Yea if it was to scale I think I could have managed that shot)