[Coronita]

Lol. This is why I will never work in the defense sector. I am sure we’ll shit since all Chinese americans have Chinese heritage, we must all work for china.

[Coronita]

Ok… So I found this spreadsheet from the LA Times

http://spreadsheets.latimes.com/california-congressional-delegation-endorsements/

Unfortunately, I found it after I started my own… Doh..

Anyway, here’s the one I started

http://goo.gl/ZbxhZW

If you want to report a candidate’s endorsement or rejection, send them to

AnyoneElseButTrump AT gmail DOT com

[Coronita]

Lols like the Intel CEO just came out saying he supports Trump, only to retract it later…Lol….

Intel CEO, known for diversity efforts, cancels Trump fundraiser

Intel CEO, known for diversity efforts, cancels Trump fundraiser

Ironic…On one hand, Intel employs a lot of H1-Bs. But on the other hand, it’s something Trump advocates detest. On one hand, the CEO is supposedly a well known supporter of diversity, on the other hand…well maybe not….

This is a freaking circus. It’s comical.

[Coronita]

[quote=plm]Doesn’t work. They can sneak in a pet. One of the reasons why I hate being a landlord.[/quote]

Then it’s violating lease agreement. Big difference.

[Coronita]

Not fun. I made my lease to always be “no pets”.

[Coronita]

Thanks guys…Keep them coming….

[Coronita]

[quote=TeCKis300]Personally, I’d say to not get caught up in the uber oil chase as it’s throwing money out the window. Practically any oil available today (in the correct viscosity), is of more than sufficient quality.

I’d focus on regular oil change more than whatever uber oil at $$$$ / quart (i.e. Motul). And no need to over-change Oil change with every 4 Autox events??? AutoX events are IMO, pretty mild on motors. Very little relative full throttle compared just about every other venue, including commuting and fwy on-ramps 🙂

As for:
[quote]I guess they did this is that most people were just grabbing any sort of synthetic and sticking it in their cars, and it was causing problems[/quote]
Don’t give BMW too much credit, it likely was all money driven.

That said, Mobil 1 is no longer fully synthetic unless you get into their Delvac lines. No issue for autox as again, there’s not real heat with short bursts of accel.

T6 Rotella are fully synthetic so this is likely a nice price point for good stuff.

One of my cars specs 12qts of molasses grade 15W-50. Trying to find a good value for that oil change is futile.[/quote]

My throttle is pretty much all the way to the floor at autocrosses. I don’t have the luxury of a 400+HP BMW thst sits at maybe 2.5k rpm. I think I am closer to the redline most of the time… its a slow miata remember. Well less slow now 🙁

[Coronita]

Mira mesa

[Coronita]

[quote=AN]Ah, ic. I never had European, so I don’t know the history of their Euro blend. I used 0w20, 5w20, 5w30, and 10w30 and they all were in the mid $20s. But they were all for Japanese cars. I didn’t know European version were $10 more. Good to know that it’s now at the same price as the non-Euro blend.

BTW, I’m assuming you’re talking about the 5-quarter jug, right? 5-quart = 1.25 gallon.[/quote]

My bad….I knew that. Rotella is in a the 1 gallon jug…. Mobil1/Castrol is the 5 quart.. Since I was talking about both, I forgot to make a distinction.

Note: technically BMW can use the 0w40 Mobil 1 and Castrol, but BMW’s recommended oil list was cut down to just the OEM oil. I guess they did this is that most people were just grabbing any sort of synthetic and sticking it in their cars, and it was causing problems….Most BMW’s can take any BMW-LL01 oil…But the only ones found in the US that is common are the 0w40 Mobil 1 and Castrol… Some people have complained that 0w40 results in noisy lifters, so I stuck with the OEM oil.

Castrol use to make the BMW oem oil. I’m told it’s made by Shell now…

[Coronita]

[quote=AN]flu, I don’t know where you got your $8/quarter from, but I’ve been getting my Mobil1 Synthetic from Walmart for ages now and they range between $23-26 for a 5-quart jug. $22 for a 5-quart jug is definitely a new low though.[/quote]

Well, I think paid $8/quart one time, but most of the time with a sale it was closer to $6-7… There’s different types of Mobil 1… The Ow-40 is a european only spec’d blend..which for the longest time was like $35/gallon on sale….The 5w30 and 5w20 was always in the mid-20ies, but technically not speced for European cars…(I’m sure it doesn’t really matter)….But then castrol came up with a competing 0w40 european speced oil at $24-5/gallon and Mobil 1 had drop their prices.

Here’s a rundown on the cheapest prices I can find… God I love being cheap some times..

$23 Mobil 1 Euro 0w40

$23 Castrol Euro 0w40

$16 Shell Rotella 5w40 + $5 rebate (up to 4 gallons per year)
(non european speced. But who cares for older cars)

I run the Mobil 1 in my Mercedes and my Audi with the Castrol as a backup in case Mobil 1 is unavailable.

I run the Shell Rotella in my supercharged miata, just in case. At $11/gallon, it’s not really more than conventional oil.

The Bimmers both use OEM oil, though I’m considering switching to Motul
Those take 7 and 9 quarts respectively, ouch…Fortunately, only every year. http://www.ebay.com/itm/151624286907

[Coronita]

Oh come on BG. This isnt bullying. I’m just responding in the same demeanor as Donald Trump would to an illogical and asisine post when you try to discredit others posts with erroneous statements and assumptions of what people said when they didn’t say it. If you are now being overly sensitive, well as Donald Trump would say…. Grow a thicker skin. And get use to it.

[Coronita]

[quote=bearishgurl] flu, you’ve (arrogantly) managed to again twist my words to suit yourself.
[/quote]

(Reeling in BG for another hook, and another catch…)… Lol, I knew you couldn’t resist to respond again…..Welcome back…Round 3…. Ding ding… Let me post a long ass thread too.

[quote]
The purpose of my posts re: Option ARMS on this thread was to “educate” the ignorant (not that that was you, lol) in the difference between a Prime/Alt A Option Arm offered from ~1982 to ~2002 and the Subprime exotic no-income, no-asset (NINA) adjustable mortgage with regular interest rate resets, frequently I/O and with usurious up-front points and other usurious terms attached to it that we are all familiar with from the fog-a-mirror-get-a-loan, era. This type of (subprime) “Option ARM” (frequently not following any specific index closely) was primarily offered between 2004 thru 2007.
[/quote]

Does the concept of “staying on topic” mean anything to you? Point me to one part in this thread that the OP asked about an option ARM? Specifically, the OP posted IN THE VERY BEGINNING OF THIS THREAD the following (and let me show you how to use bold and emphasis

[quote=masayako]Hi guys,
I am looking for recommendation for 15 yrs fixed mortgage lender. Can someone recommend a good lender to work with?
(0 points, 0 fees)

Thanks![/quote]

Can you see where I bolded things? Just in case., let me do that again…

[quote=masayako]Hi guys,
I am looking for recommendation for 15 yrs fixed mortgage lender . Can someone recommend a good lender to work with?
(0 points, 0 fees)

Thanks![/quote]

Better? Ok, let’s move to the next issue.

[quote=bg]
There IS a distinction between the two, vastly different, “Option ARMs,” (if one is intelligent enough to compare).I fully realize that you may be too young to be familiar with the former, but it DID exist. And that is but just one choice (of many today) which has been taken away from prospective prime mortgage borrowers.

[/quote]

(c)

Yes, I am fully aware the there are two vastly different types of “ARMs” (and frankly, who gives a shit? ). Again, I think you have a reading comprehension issue.

(a) I never stated different kinds ARMs don’t exist and I never stated ALL ARM borrowers are not prime borrowers. That was your ASSumption …

(b) i stated option ARMs in my opinion are crappy deal when fixed rate mortgages are so low for borrowers that can qualify for a fixed rate mortgages. And not everyone is able to qualify for a fixed rate mortgage

You do understand the difference of what I stated in (b) versus what you assume iI stated (a) right BG? Let me help you BG with this one….. It is entirely possible that possible to be “prime” AND not qualify for a fixed rate mortgage because the latter also depends on the person’s income and how much they are trying to borrow, regardless of how good their credit might be. Pause…Think about that one for a moment…What do I mean by that?….Breath in, and breath out… Now, think. Did I say anything about the borrower must not be a prime borrower anywhere ? Can you see how someone can be a “prime borrower” and “not qualify for a fixed rate mortgage” now? If not, can you go back to (c) and re-read what I wrote 10 times.

[quote=bg]
flu, you’ve (arrogantly) managed to again twist my words to suit yourself. ….

I fully realize that you may be too young to be familiar with the former, but it DID exist. And that is but just one choice (of many today) which has been taken away from prospective prime mortgage borrowers.
[/quote]

Lol…. BG,
(1) I’m not trying to twist any words here. You’re just having a hard time understanding the words that I wrote on this thread, like on many other threads people write. You’re making ASSumptions on what I said, and then you’re quoting the ASSumptions you made on your own as things that I said…. It’s the same damn thing you do to other posters on every other thread, which every other poster calls you out for doing too. When you run out of facts to back up your claim, despite things being clearly wrong, you make ASSumptions on what the other person says and starts quoting them as if they say it to try to support your position.

(2) Even when you are trying to be insulting or end with a zinger dismiss what I said (now because I’m young?), it’s backfiring. Being “young” (thank you for the complement, because I’m not), has nothing to do with my understanding of what any type of ARM. Again, I don’t have an understanding problem. You have a reading comprehension and ASSumption problem…So if anyone is trying to put words in anyone’s mouth, it’s you…like you’ve done many many times in the past on different thread to others also…

Let me re-emphasize what I said…Since you seem to be into making text bold…

option ARMs in my opinion are crappy deals for people who can qualify for a fixed rate mortgage, when interest is so low for fixed rate mortgages…But not everyone can qualify for a fixed rate mortgage

Let me say it again. ..

option ARMs in my opinion are crappy deals for people who can qualify for a fixed rate mortgage, when interest is so low for fixed rate mortgages…But not everyone can qualify for a fixed rate mortgage

And just in case you missed it… I’ll say it again…

option ARMs in my opinion are crappy deals for people who can qualify for a fixed rate mortgage, when interest is so low for fixed rate mortgages…But not everyone can qualify for a fixed rate mortgage

Also, bringing up option ARM “to educate people” in this thread is really ridiculous. First, most people who are looking for mortgage already know this basic difference between fixed and ARM loans. Second, the majority of the people that would be shopping for a mortgage these days for a primary home will do a fixed rate mortgage, provided they can quality to get one. Why? It’s simple. 15 year fixed rate mortgages have a lower rate than most ARMs, like a 5/1 or 7/1… And 30 years aren’t that far off. So it is unlikely someone shopping for a primary loan would want to get an ARM, especially if rates have not many places to go, except up in the future. This is just common sense….

There…Now that I said that, I’m sure your next reply is you’re going to give me a long paragraph containing 15-20 made up reasons on why an ARM loan is clearly better than a fixed rate loan, just because you want to be right and argue for the sake of arguing….And while 2-3 of those points might support in certain limited, and corner cases of how an ARM might be used instead of a fixed rate mortgage, it won’t be relevant to most of the people looking for a loan, especially folks buying a primary home they intend to stay in.

[Coronita]

[quote=SK in CV][quote=SK in CV][quote=bearishgurl]”We, the People” are now burdened with a healthcare industry which is a burgeoning behemoth of layers upon layers of additional bureaucracy with LESS providers to choose from than before the ACA! [/quote]

I’m pretty sure you mean “fewer” not less. Any evidence to support this claim? Or is it more of your spewed out of your ass bullshit?[/quote]

Nevermind. I found the answer myself. It’s more made up bullshit. The US has been adding over 12,000 net additional doctors each year in recent years.[/quote]

Ok, I’m passing on the “identify bullshit torch” to you SK. I’m staying out of this thread. Financially, I’m pretty happy where I am. More is always better. But I figure. Are there people that are making more than me? Yes. Are there a lot of people making less than me? Yes… Ok well, then… Things are fine.

[Coronita]

[quote=moneymaker]So i did sell my paper silver and made a few dollars per ounce/share, just realized though that when I sell my hard silver bullion I will not have to pay taxes on the gains. Am i missing something or is this a really good way not to pay taxes on gains. Know I will pay transaction fee but that will still be less than income/capital gains taxes.[/quote]

Well, you are suppose to report your gain. Just like you’re suppose to report sales tax for internet purchases.

And, if you leave such gold/silver/bullion to your kids, you’re suppose to report that as part of your estate.

Yes, you’re suppose to do all of that….

[Coronita]

[quote=harvey][quote=flu]I really don’t understand why you have an axe to grind with HLS. [/quote]

You’re the one turning it into drama.

I’m just poking fun at his ethics, and his fanboy’s inability to see past their rationalizations.

A simple rule of thumb to apply when asking if behavior is ethical: Ask yourself, if everybody did the same thing, what would happen?

What if every mortgage broker in SD were on this site peddling their services and disparaging anybody who questioned their gimmicks?

This site better is better than many others because it is not just a cheap marketing venue.[/quote]

What ethics issue? First it’s not your website. Second, if HLS was a problem he would have been banned a long time ago. I don’t get it. Find one thread that he started that solicited business. If he ever said “if you ever want to talk about mortgages, feel free to contact me”, it was because someone asked. What’s wrong with that? Certainly better than listening to the start of a floating advice here about how an option ARM these days is better than a fixed rate mortgage (not that it’s from you)

How’s that different than any of the former realtors that were here? Most things are by reference, and referrals. Just like any other service business on other blogs.

Apparently, you’re seeing something that most of us aren’t. I guess the world is flat.

[Author]

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