[thorvald]

Originally Posted by DSRTRDR

hippie

[thorvald]

Originally Posted by Mars

I have some.

have you used them yet?

[DSRTRDR]

I am nearing the end - the females are not so glow-in-the-dark anymore..........

[DSRTRDR]

FOXNews.com - At Least 5 Deaths in Hoover Dam Tour Bus Crash - Local News | News Articles | National News | US News

talk about a traffic nightmare

[semlin]

holy crap banks are fucking thieves

i asked my bank about extending the term of my mortgage out to 5 years blending the existing interest rate over the next three years, with the current lower rate for the balance of two years. that is a standard deal here called a blend and extend. they came back and said that instead of that they had a better deal for me. They would give me the lower rate for the full 5 years, and i would just have to capitalize an interest penalty and it would save me $3,000 in interest over the next three years plus lock me in for the full 5. they wanted to write it up right then. so i asked them to send me the math.

these fucking idiots.

it is true that i pay $3,000 less in interest over the three years. but at the end of 3 years making the same payments i am now i would owe them more than $5,000 more than if i had left good enough alone. that is because they would charge me an $8,200 interest penalty and add it to my mortgage in order to give me an interest rate reduction that would save me the $3000.

what really fucking pisses me off is that that $8,200 is more than double the proper interest penalty if i just paid off the thing tomorrow and refinanced. Also, i should be saving more than $3,000 in interest from the rate reduction they were promising.

this is a person i have been dealing with for 5 years as my personal banking advisor telling me to do this.

how many people are they robbing blind like that?

[FJ40 MNTCRZR]

was that a man-bag ....

[thorvald]

Originally Posted by Rezkid

I guess I shouldn't let the cat out of the bag too soon yet...

but my sig line will be changing soon (hopefully)

looks like you already changed it.

does it run?

[Bogo]

Originally Posted by yooper

Yeah the full-on geek way to go is a laptop or tablet PC with its own receiver. That way you get a huge display and the software is really nice, much better than any of the handheld or mobile units, plus you now have a full PC for email, TUT, etc.

Hard to carry with you on a hike though. eTrex is the tool of choice for that.

That's why I got the Garmin GPSmap 60CSx. I have a 2 gig Micro SM card in place of the 64MB one that came with it. That allows me to have topo maps for about 1/5th of the country loaded. It runs independent of the laptop and I can take it hiking when needed. For navigating to some odd ball place I use the laptop with it. It will power through the USB cord so you can get only old car to USB power cord and power it. Or it can be powered from the laptop when connected to it. I save tracks on it at a 1 second interval. Makes for nice curves when plotted on the map, and it's only a few MB per day. A whole month long trip will fit along with a maximum size topo map. There is a limit on the number of source areas you can put into a topo map. Sucks as it is less than 2GB for the final map size. PS, you need Garmin's topo maping SW. Delorme's TopoUSA won't output maps for Garmin's GPSes.

[yooper]

yikes

don't fly through a volcanic ash cloud

[DSRTRDR]

maybe someone wanted to prevent worse when they stole our computer

Fannie Mae Logic Bomb Attack 'Tip Of The Iceberg' - Security - IT Channel News by CRN and VARBusiness

[FJ40 MNTCRZR]

Originally Posted by semlin

holy crap banks are ****ing thieves

i asked my bank about extending the term of my mortgage out to 5 years blending the existing interest rate over the next three years, with the current lower rate for the balance of two years. that is a standard deal here called a blend and extend. they came back and said that instead of that they had a better deal for me. They would give me the lower rate for the full 5 years, and i would just have to capitalize an interest penalty and it would save me $3,000 in interest over the next three years plus lock me in for the full 5. they wanted to write it up right then. so i asked them to send me the math.

these ****ing idiots.

it is true that i pay $3,000 less in interest over the three years. but at the end of 3 years making the same payments i am now i would owe them more than $5,000 more than if i had left good enough alone. that is because they would charge me an $8,200 interest penalty and add it to my mortgage in order to give me an interest rate reduction that would save me the $3000.

what really ****ing pisses me off is that that $8,200 is more than double the proper interest penalty if i just paid off the thing tomorrow and refinanced. Also, i should be saving more than $3,000 in interest from the rate reduction they were promising.

this is a person i have been dealing with for 5 years as my personal banking advisor telling me to do this.

how many people are they robbing blind like that?

What an asshat, sounds like he is giving some personal banking alright ...

[semlin]

i am fucking pissed at my bank right now for trying that.

[thorvald]

Originally Posted by Bogo

The best ones I've used are made from recycled materials.

the best hippies?

[DSRTRDR]

Originally Posted by semlin

holy crap banks are fucking thieves

i asked my bank about extending the term of my mortgage out to 5 years blending the existing interest rate over the next three years, with the current lower rate for the balance of two years. that is a standard deal here called a blend and extend. they came back and said that instead of that they had a better deal for me. They would give me the lower rate for the full 5 years, and i would just have to capitalize an interest penalty and it would save me $3,000 in interest over the next three years plus lock me in for the full 5. they wanted to write it up right then. so i asked them to send me the math.

these fucking idiots.

it is true that i pay $3,000 less in interest over the three years. but at the end of 3 years making the same payments i am now i would owe them more than $5,000 more than if i had left good enough alone. that is because they would charge me an $8,200 interest penalty and add it to my mortgage in order to give me an interest rate reduction that would save me the $3000.

what really fucking pisses me off is that that $8,200 is more than double the proper interest penalty if i just paid off the thing tomorrow and refinanced. Also, i should be saving more than $3,000 in interest from the rate reduction they were promising.

this is a person i have been dealing with for 5 years as my personal banking advisor telling me to do this.

how many people are they robbing blind like that?

I have been saying this for years: only math can help to stop evil

[semlin]

really pissed. they are lucky they are closed for the weekend.

[DSRTRDR]

Originally Posted by semlin

i am fucking pissed at my bank right now for trying that.

and I have no doubt you will let them know on Monday

[FJ40 MNTCRZR]

They do that on purpose, so you will forget by Monday ..

[semlin]

Originally Posted by Jman

Actually, except for that one retard, it's a pretty even distribution.

at first i thought you were talking about the tapestry

[thorvald]

Originally Posted by Jman

Actually, except for that one retard, it's a pretty even distribution.

which retard are you talking about?

[thorvald]

Originally Posted by yooper

I have made a concerted effort to slow down and everybody else seemed to slow down too.

I don't know if he was talking about you, was he?




of course, Jman could be wrong

[Bogo]

Originally Posted by DSRTRDR

no amount of technology can deal with the fact that the available Topomaps (whether electronic or on paper) often are AGES old

we had a case recently where goodle earth had a persistent shadow no matter what time of day (steep narrow canyon walls) and the newest USGS map was from 1964

so, we had ample reason to check it all out by ourselves - it was a great wheeling day

There is an ongoing LIDAR project to re topo map the whole country at high resolution. They will be mapped to better than 1m spacial accuracy and topo lines with .5m spacing is well within the accuracy limits.

Here is a spot near chariton IA that has been LIDAR mapped.
Photo: http://forum.ih8mud.com/attachment.p...4&d=1213508572
Old Topo: http://forum.ih8mud.com/attachment.p...3&d=1213508300
LIDAR shaded relief map: http://forum.ih8mud.com/attachment.p...1&d=1213507125

[thorvald]

Originally Posted by DSRTRDR

yeah, that incline poses a big gap between want and can in a cruiser

my cruiser stays at 55, though, all the way up (faster on the flat stretches )

that's a good idea, Nate could put little LandCruisers on the TUT graph, driving up the inclines

[thorvald]

Originally Posted by Rezkid

a V8 would solve that problem!


I'll have to get used to being in the slow lane again...it'll be like driving the Luv

I don't mind it since it's the vehicles fault, in fact, it's easier to not speed when there isn't really the option most of the time.

[Bogo]

Originally Posted by semlin

how many people are they robbing blind like that?

Many. Most people don't know how to do the math...

[thorvald]

Originally Posted by semlin

at first i thought you were talking about the tapestry

it goes well with the flooring

[yooper]

Originally Posted by semlin

holy crap banks are fucking thieves

i asked my bank about extending the term of my mortgage out to 5 years blending the existing interest rate over the next three years, with the current lower rate for the balance of two years. that is a standard deal here called a blend and extend. they came back and said that instead of that they had a better deal for me. They would give me the lower rate for the full 5 years, and i would just have to capitalize an interest penalty and it would save me $3,000 in interest over the next three years plus lock me in for the full 5. they wanted to write it up right then. so i asked them to send me the math.

these fucking idiots.

it is true that i pay $3,000 less in interest over the three years. but at the end of 3 years making the same payments i am now i would owe them more than $5,000 more than if i had left good enough alone. that is because they would charge me an $8,200 interest penalty and add it to my mortgage in order to give me an interest rate reduction that would save me the $3000.

what really fucking pisses me off is that that $8,200 is more than double the proper interest penalty if i just paid off the thing tomorrow and refinanced. Also, i should be saving more than $3,000 in interest from the rate reduction they were promising.

this is a person i have been dealing with for 5 years as my personal banking advisor telling me to do this.

how many people are they robbing blind like that?

wtf

you need a new advisor

[yooper]

Originally Posted by semlin

at first i thought you were talking about the tapestry

me too

[Rezkid]

Originally Posted by thorvald

looks like you already changed it.

does it run?

needs a batt, tires and a good cleaning...otherwise it's in pretty good shape...and since it's a AZ truck...NO RUST!!!

I'm sure there's some other stuff that'll need to be addressed since it has been sitting for the last 4 years

[valentine]

Originally Posted by srplus

You really do need to get a life.

Way to go, Dickwad.

[valentine]

Originally Posted by srplus

Did you put that on the TUT calendar for Val to remind you?

Get off my back.