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Give me your best 'Pro Tip'
- Thread starter Tranquil
- Start date
Tranquil
Member
Is this saying to back check your work for mistakes?
Once I started doing this at work I became much better.
Tranquil
Member
*You're
DESTROYA
Member
I prove my point .
Tranquil
Member
I'm fortunate to have both. Some of my family I want to smack for getting degrees they couldn't do anything with and then now have student loans with shitty jobs.
DESTROYA
Member
Is that why they call you soggy poo?
Tschumi
Member
Also, consider approaching from the front, holding aside your package, for a more total contact on the rim.
haxan7
Banned
Do not want
Tschumi
Member
I have to employ a makeshift stirrup to hold side my elephantine equipment but the cleanliness is unparalleled
DESTROYA
Member
So you have skid marks going across the front of your underwear ?
Tschumi
Member
only when my girl rides a pushbike on my balls for sexplay, no there is total pristine cleanliness in the poop department.
Tranquil
Member
StreetsofBeige
Gold Member
- Two credit cards. I do VISA and Mastercard. I use one, but have two active in case something happens with the other one
- Look for credit cards with no annual fee, rewards (like 1-2% dividend), low interest rate
- Pay off your credit card
- Look into other perks your card might have..... bonus travel insurance coverage, rental car coverage, the card gives you an extra year of warranty when you buy shit etc..... Basic cards have fewer perks. But if you pay $99 annual fee, you probably got lots of perks stated in that brochure you get which nobody reads
- If you're desperate and always have a balance, switch to Line of Credit. Every bank should offer you this unless your credit rating is so bad they decline you. A typical LoC rate is only prime +2-5%. If you're really established, they'll offer you terms of prime only. So your interest rate might only be about 3%. Why get fucked paying 22% on credit card when you can pay less? But make note the minimum monthly payback might be higher. Your credit card company might say you only need to pay back $15 per month to keep a $2000 balance going. A LoC might be higher at $50. I never use my LoC but I think my terms are I must pay back at least 3% of what I buy every month or I get dinged
- Always use a mortgage broker to sniff out best mortgages packages. Never walk into a bank and try to wheel and deal. Look for lowest rates as a main focus, but also focus on any fee-based penalty. Look for mortgages that have lowest rate, lowest penalty fees, lowest admin/porting fees. Fixed mortgages often have higher fees in return for comfort of predictability. Variable mortgages less fees but you got to stomach rates going up or down. Your call. I do variable
- Be respectful to your broker doing the work for you. He showed be able to get you a slew of offers and will go over it with you where you can pick one based off the info and his advice and your situation. You can always backstab him and take his info and piggyback off it trying to get an additional 0.1% off at a bank, but don't be a jackass
- Look for credit cards with no annual fee, rewards (like 1-2% dividend), low interest rate
- Pay off your credit card
- Look into other perks your card might have..... bonus travel insurance coverage, rental car coverage, the card gives you an extra year of warranty when you buy shit etc..... Basic cards have fewer perks. But if you pay $99 annual fee, you probably got lots of perks stated in that brochure you get which nobody reads
- If you're desperate and always have a balance, switch to Line of Credit. Every bank should offer you this unless your credit rating is so bad they decline you. A typical LoC rate is only prime +2-5%. If you're really established, they'll offer you terms of prime only. So your interest rate might only be about 3%. Why get fucked paying 22% on credit card when you can pay less? But make note the minimum monthly payback might be higher. Your credit card company might say you only need to pay back $15 per month to keep a $2000 balance going. A LoC might be higher at $50. I never use my LoC but I think my terms are I must pay back at least 3% of what I buy every month or I get dinged
- Always use a mortgage broker to sniff out best mortgages packages. Never walk into a bank and try to wheel and deal. Look for lowest rates as a main focus, but also focus on any fee-based penalty. Look for mortgages that have lowest rate, lowest penalty fees, lowest admin/porting fees. Fixed mortgages often have higher fees in return for comfort of predictability. Variable mortgages less fees but you got to stomach rates going up or down. Your call. I do variable
- Be respectful to your broker doing the work for you. He showed be able to get you a slew of offers and will go over it with you where you can pick one based off the info and his advice and your situation. You can always backstab him and take his info and piggyback off it trying to get an additional 0.1% off at a bank, but don't be a jackass
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Tranquil
Member
I refied last feb, ended up saving $400 a month and now they send me a check each year that I can use for prop taxes.
The bank ended up cutting me a check for like $600 because somehow they owed me. Co-worker almost talked me out of refiing, glad I didn't listen.
highrider
Banned
As a man, you have to be good with being alone. Have a family, have relationships whatever, but spend a significant part of your life dedicated to something else that’s you. When you have family you can still do it it’s just a lot harder.
Women, don’t waste your prime years if you know you want to have children. Same with men, try not to start much later than 30, I was 35 and that’s even kinda older.
Women, don’t waste your prime years if you know you want to have children. Same with men, try not to start much later than 30, I was 35 and that’s even kinda older.
StreetsofBeige
Gold Member
Nice.
Oh and another tip a bank might try to screw you over, which they tried and I said I'm leaving and then they waived the fee.
Mortgage ratio.
When I moved years back, it turns out the place I moved to cost less than where I was coming from. I asked them to transition my mortgage to the new place with similar terms and adjust for the difference in money needed. Sounds easy and banks should do that with no fee. It's not like you are leaving or anything.
Since the ratio of what I paid got bigger (principal paid vs. outstanding amount), their computer system showed it as a loss of profit on their end or some bullshit. So the mortgage desk guy claimed I had to pay a penalty fee.
I said that's garbage and if anything a smaller amount makes it easier for me to pay off as I reliably pay my bills.
The bank manager had to come by, they gabbed a bit and the manager waived any fee. And they transitioned my mortgage plan to the new place at a reduced amount as the place was a touch cheaper.
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Bolivar687
Banned
Pray the Rosary.
rykomatsu
Member
If you make a mistake in life, don't dwell on "woe is me". Figure out why you made the mistake, learn from it, and start taking steps to rectify or move on.
You will be light-years ahead in personal development compared to your peers just by virtue of becoming a person of action.
You will be light-years ahead in personal development compared to your peers just by virtue of becoming a person of action.
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StreetsofBeige
Gold Member
I'm no baker, but not long ago I started buying parchment paper when I make stuff in the oven.
Wow. Never knew. Nothing sticks. All this time I had been using aluminum foil which has everything stick to it. What a waste.
Costco has this giant double pack which should last forever if someone doesn't bake a lot.
bitbydeath
Gold Member
If you follow the same routine everyday you die a little inside everyday.
F
Foamy
Unconfirmed Member
Don't piss into the wind.
Evangelion Unit-01
Master Chief
If you have a structured settlement and you need cash now:
Call J.G. Wentworth. 877-CASH-NOW
Call J.G. Wentworth. 877-CASH-NOW
UnravelKatharsis
Member
For the dad's: Have you ever tried just turning off the TV, sitting down with your children, and hitting them?
S
SLoWMoTIoN
Unconfirmed Member
Mixing bleach and ammonia in a pool will increase the chance of meeting god by 60%.
Never trust a politician. It seems people have forgotten why the first/second amendment exists.
Trying something is always better than never trying at all.
The world is harsh and cold. Big tiddy warm and soft.
Never trust a politician. It seems people have forgotten why the first/second amendment exists.
Trying something is always better than never trying at all.
The world is harsh and cold. Big tiddy warm and soft.
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docmindbender
Member
Expect nothing.
Stiflers Mom
Banned
* look into yourself and find out what the things are you really love and make you happy, not what other people want you to love.
* never ever get yourself into debt.
* approach marriage and getting children with a clear mind and not because of "love".
* even when married or in a relationship, never forget to take care of your friends. You will never be alone then.
* keep away from extremes.
* never ever get yourself into debt.
* approach marriage and getting children with a clear mind and not because of "love".
* even when married or in a relationship, never forget to take care of your friends. You will never be alone then.
* keep away from extremes.
S
SLoWMoTIoN
Unconfirmed Member
West Texas CEO
GAF's Nicest Lunch Thief and Nosiest Dildo Archeologist
When you master your emotions, you master your life.
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jufonuk
not tag worthy
or don't find out if your work allows for Flexi or reduced working then earn less but have time off work every other week.
that's what I did. yeah, I earn a lot less but I get time with the family.
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MudoSkills
Volcano High Alumnus (Cum Laude)
You'll care a lot less what other people think of you when you realise how little often they do.
Slings and Arrows
Banned
Don't wipe your arse on sand-paper.
Do whatever you want in life, a death-bed regret lasts minutes, life lasts decades.
Do whatever you want in life, a death-bed regret lasts minutes, life lasts decades.
GymWolf
Member
During every exercise in the gym always remember that negative movements are even more important than positive movements, slow the fuck down and put some resistence when you return to your original position, this is how you exhaust a muscle until there is nothing left.
Also technique beats more weight every day of the week, girls are gonna watch you the same if you lift 15kg with perfect form instead of 25 looking like a constipated gibbon, also more correct work for muscles and less risk of injury.
And clean your ass with a sponge with water and soap after you take a dump if you are at home, nobody likes stinky asses.
Also technique beats more weight every day of the week, girls are gonna watch you the same if you lift 15kg with perfect form instead of 25 looking like a constipated gibbon, also more correct work for muscles and less risk of injury.
And clean your ass with a sponge with water and soap after you take a dump if you are at home, nobody likes stinky asses.
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GymWolf
Member
I bought mine from twitch and it's called thotbrush for some reason.
Spaceman292
Banned
No, YOU'RE not really as smart as you think you are.
Maiden Voyage
Gold™ Member
Save money before you even consider spending it.
DunDunDunpachi
Banned
Seek out the meaning of things that catch your curiosity and pull at your heart. Be willing to bear the sting of mundane life to keep yourself humble. Tease your own flaws in the mirror. Wrestle with God. Stop eating cereal. Drink tea. Fast. Read.
Schrödinger's cat
Banned
On time.
On budget.
No bugs.
Pick two.
On budget.
No bugs.
Pick two.