[NotCranky]

[quote=FlyerInHi]My point is that you can learn to like or not like some food. Once you learn, a whole new world opens. Liking and eating American sweets is ok in moderation, sure. But learning to appreciate and like alternatives is better, especially is you discover superior quality and preparation.

Don’t take it personally. Some people are too stuck with “I am what I am and it works for me.”

I’m lucky that i grew up traveling so it’s a lot easier for me.[/quote]

I am not taking is personally , I am laughing at your elitism, you know the one that sets you apart from the rest! Am I stuck if it actually works pretty well as shown in my vitals and physical capabilities ? You think you are the only inquisitive person on the planet? For goodness sakes, get a grip man. Where is the actual proof of your superiority? Gold medals from the Olympics? Nobel peace prizes? You are a average joe with a tendency to shame and attempt to one up what is not to your tastes, especially if it is “american”. That’s it.

[NotCranky]

[quote=FlyerInHi][quote=Blogstar]
I don’t have a perfect diet, i binge on average a couple of times a month, sweets. I eat a lot of good stuff though, I think I have my macros figured our more or less for me. I don’t eat much of the worst stuff other than your regular desert item here and there, or drink non-nutritive beverages much, sodas, or alcohol.[/quote]

Food cravings is cultural. Many cultures don’t like sweets like cakes. My friends from Hong Kong, Vietnam, Thailand (the tropics where there are delicious fruits) prefer eating mango, durian, lychees…. over a chocolate lava cake for desert.

Tropical Latin America is different because of the heavy western food from Portugal and Spain.

Japanese cakes/pastries are unsweet and light compared to American cakes. There is Japanese bakery on Convoy. Real Japanese sushi does not use the heavy mayonnaise type sauce that Americans like. When the food is natural you can taste the quality of the ingredient and the skill in preparation better.

So it helps to be an internationalist elitist (I’m reclaiming the word) and study different cultures. Adapt what is best as your own. That’s what we as Americans do best.[/quote]

You are internationally full of yourself! Missed the point. It works pretty good for me! You are blinded by your elitism if you don’t see moderation as being as possible in US terms as in Asian or any other cultural terms. That we have more bad available may or may not be something to argue. Doesn’t matter if you don’t use too much of it.

[NotCranky]

Eating like some hinterlands peasant is better but who is going to do that?

Anyway, MM, you say you have a physical job, so if that is not keeping your weight down it probably is sleep and nutrition to a large degree.

I like exercise though. If the labor part of your job is low level but consistent I would go for a few intense workouts of some kind per week, definitely stay away from the adult softball league, basket ball yes, if you want to be social. Go for things known to change body composition , hill running , sprinting( actual running or substitute a bike or eliptical), jumprope, weights. You don’t want to do long slow things that just add fatigue to your life.

If you actually do heavy work then it’s probably your diet.

Problem with exercise is that it has a tendency for us to remove activity from the rest of our day. Work out hard then be fatigued and sit around the computer and in proximity of the fridge instead of going out and washing the car, for instance. Stealthy, we can remove a lot of calorie burning activities over the course of time because of exercising. I personally have never had a good exercise routine and gained weight though, only when I got real inconsistent or cut back overall activity a lot.

I don’t have a perfect diet, i binge on average a couple of times a month, sweets. I eat a lot of good stuff though, I think I have my macros figured our more or less for me. I don’t eat much of the worst stuff other than your regular desert item here and there, or drink non-nutritive beverages much, sodas, or alcohol.

[NotCranky]

[quote=svelte]This starts playing in my head every time I see this thread.

https://www.youtube.com/watch?v=6hH15UhALQw%5B/quote%5D
Love that song.

I just keep thinking about how I get to use my free will to eat my share of Challah bread and scaredy’s too ( since he’s all strict and stuff on white flour and sugar).
I like to dip it in pure, and probably not Kosher maple syrup and, have it with copious amounts of coffee.

[NotCranky]

O.K. Data, So what is the best owner occupied “no cost” refi rate today on 130k ,20% LTV, >740 credit, zero back end debt?

[NotCranky]

What’s getting trolled here is “mystique” ,” you are a bunch of idiots” he says with the hidden agenda of getting people, namely potential clients, to let him think for them. HLS has the secrets. He knows a good number of people choose aggressive people that are willing to twist people’s words to come out looking like he holds a secret that will serve a client better than other mortgage brokers can , it’s all about “choose me”….hook , line , sinker.

That’s not to say he isn’t a good mortgage broker, he probably is, people say he is, so I believe them . It’s just right now the bait of choice is the “no cost loan”. Actually it’s his knowledge of the no cost loan and everybody else’s stupidity that he is using. That’s why I don’t like his contributions, he selectively absorbs to the topic spits back other peoples comments twisted to serve this ploy , massively puffs himself, plays the martyr while being verbally abusive ( “I do a ton of free counseling and just get beat up for it” “idiot this, idiot that”).

[NotCranky]

I only have a landline for an emergency back up. We live pretty remotely. It doesn’t ring too much or have an answering machine even. Funny I don’t get much spam on my smart phone.

[NotCranky]

it’s the trolling. That’s what the thread becomes. Troll Troll Troll , maybe both side of the argument, but make no mistake HLS is trolling, then some stooge inevitably comes on here and defends him , setting him up for the , thank you PLM and massive HLS is God pitch; by HLS. Troll Rinse lather repeat. Yea ,IMO somebody who does that looks like a used car salesman.
Poor HLS is not getting beat up. He’s working it.

[NotCranky]

Are rates likely to go down now?

[NotCranky]

OR they could just read this:

http://www.thetruthaboutmortgage.com/no-cost-refinance-loans/

[NotCranky]

You’ve got a no cost free house FLU, congrats!

[NotCranky]

No I don’t expect him to work for free but it isn’t a free loan if he doesn’t do it for free. He does it for free and there are no costs, that’s the only way you get a free loan.

[NotCranky]

It’s not idiotic semantics. You have to look at the same rate environment not the current one against a previous one. It’s not free compared to the current rate environment or else HLS doesn’t get paid and he gives the best rate possible for the specific client. Thats what matters when you are shopping the loan and possibly having to or wanting to live with it for a long time, like 5 years or more. How often does HLS not get paid anything for loans he originates? Not too often. Hence, no cost equals free loans doesn’t add up.

[NotCranky]

[quote=HLS][quote=Blogstar]Break even point does matter if you are going to stay in the home for a long time. The lower interest rate of a loan with “costs” could be a thing of value over the “no cost” loan.

Paying extra principal on the original loan ,the “no cost” refi, or a standard fees lower interest rate refinance is going to save money in all three cases. Nothing special about the “no cost” loan there.

We shouldn’t act like no cost means free.[/quote]

******No cost DOES mean free.

The comment made was that there is no such thing as a no cost loan.
THERE ARE LOANS AVAILABLE WITH NO COST.
I’ve done hundreds of them for borrowers and explained them clearly. Didn’t cost them one penny.
No addition to principal balance, no hidden fees or costs.
There is no break even point or recovery period with a no cost loan. You benefit from day 1 with a lower rate.

If you want an even lower rate loan with costs you can get one too.
A loan with costs could save more in the long run,but many people consider neither a refi with costs or without because they are confused.

30yr loans that have a cost usually have a TRUE break even period of at least 4-5 years but very few people know how to figure the true savings properly.
(You don’t just divide the loan cost by the monthly savings)
Payments are a combination of principal & interest
and there is the time value of money.

Anybody who paid any costs for a loan over the last 8 years or so probably wasted their money.

Intelligent, savvy borrowers refinanced multiple times all the way down the past few years and some pocketed thousands of dollars in the process and they are still on track to pay their loan off at the same time as their original loan was scheduled to be paid off.

There are many people who are confused, stubborn or foolish who will end up paying tens of thousands of dollars in extra interest because they just don’t get it.

BTW,
you are wrong that a lower rate refi is going to save money in all 3 cases. That’s not always true.[/quote]

I didn’t say a lower rate was going to save money in all three cases I said paying principal does. It is not free if you pay a higher rate for the “no cost”.

[NotCranky]

Break even point does matter if you are going to stay in the home for a long time. The lower interest rate of a loan with “costs” could be a thing of value over the “no cost” loan.

Paying extra principal on the original loan ,the “no cost” refi, or a standard fees lower interest rate refinance is going to save money in all three cases. Nothing special about the “no cost” loan there.

We shouldn’t act like no cost means free.

[Author]

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