This thread is for stupid questions that don't deserve their own individual threads

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Lucky Forward said:
Back in January I paid off my mortgage. In February the mortgage company sent me a check for my escrow balance, but that's it. Am I supposed to get a deed, title, or some kind of certificate suitable for framing that says I own my house?
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Should've gotten that the day you signed the loan. You buy a house, and get a loan to pay for it. The house is yours and the debt is owed to the bank. Fail to pay your mortgage and the bank can take the house.

If you don't have that paperwork, then I'm sorry - you got fleeced and some fat cat banker actually owns your house. It was probably 30 years ago, too, so good luck tracking him down.

(Yeah I have no idea.)
 
Mudkips said:
Should've gotten that the day you signed the loan. You buy a house, and get a loan to pay for it. The house is yours and the debt is owed to the bank. Fail to pay your mortgage and the bank can take the house.

If you don't have that paperwork, then I'm sorry - you got fleeced and some fat cat banker actually owns your house. It was probably 30 years ago, too, so good luck tracking him down.

(Yeah I have no idea.)
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That cant be right. If you want to buy a car and use a load from a bank, the bank holds the title to the car. So they own it because they bought it from the seller. Once you pay the bank for it then they give you the title.

I dont own a house but I'd imagine its the same way?? So the bank should give you the "deed" to the house once you pay it off? I'd imagine the deed is a old rolled up scroll-like document that is held together by a crest stamped glob of wax.
 
Mudkips said:
Should've gotten that the day you signed the loan. You buy a house, and get a loan to pay for it. The house is yours and the debt is owed to the bank. Fail to pay your mortgage and the bank can take the house.

If you don't have that paperwork, then I'm sorry - you got fleeced and some fat cat banker actually owns your house. It was probably 30 years ago, too, so good luck tracking him down.

(Yeah I have no idea.)
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Oh, I still have all my paperwork at home from 18 years ago...I'll have to look through it. But I was thinking, like The Chef said, that it was handled like a car title.
 
The Chef said:
That cant be right. If you want to buy a car and use a load from a bank, the bank holds the title to the car. So they own it because they bought it from the seller. Once you pay the bank for it then they give you the title.

I dont own a house but I'd imagine its the same way?? So the bank should give you the "deed" to the house once you pay it off? I'd imagine the deed is a old rolled up scroll-like document that is held together by a crest stamped glob of wax.
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No, the house/property is used as collateral for the mortgage but the purchaser/mortgagor has title to the property.

This is why the mortgage company has to go through a foreclosure process and gets a deed themselves (Sheriff's Deed) should the borrower stop making payments.
 
turnbuckle said:
No, the house/property is used as collateral for the mortgage but the purchaser/mortgagor has title to the property.

This is why the mortgage company has to go through a foreclosure process and gets a deed themselves (Sheriff's Deed) should the borrower stop making payments.
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Mmm go figure. Seems so backwards to me.
 
The Chef said:
Mmm go figure. Seems so backwards to me.
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Why?
I think it'd be more backwards to be stuck with both a loan and a property that you'd be unable to sell since you don't have title to it.

It's bad even banks control so much of our money and politicians; them controlling huge amounts of our property would be plain scary.
 
turnbuckle said:
Why?
I think it'd be more backwards to be stuck with both a loan and a property that you'd be unable to sell since you don't have title to it.

It's bad even banks control so much of our money and politicians; them controlling huge amounts of our property would be plain scary.
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Because say you buy a house from me for $100,000. You dont have the money so you have Mr Bank buy it for you with the promise you will pay it back. So the bank writes me a check for $100,000 and I give them the title. Now you are paying the bank back what you promised. When you pay it all back the bank gives you the deed.

Im just likening it to exactly how a car loan works. They basically bought the car for me. Its their car until I pay it off. Thats why the title to the car will list my bank as the owner until I pay it off.

Again, I have never had a mortgage so Im sure there are tons and tons of things that I am not considering.
 
Huh, I didn't realize that either. I just got a mortgage 2 years ago and never got a title. I guess it's with the title company that sends stuff to me once in a while?

I got my car's title mailed to me a couple weeks after I paid that off, so I'd assume my mortgage would work the same way. I'm not gonna remember any of this 28 years from now anyway.

Just curious, how old are you, Lucky?
 
The Chef said:
Because say you buy a house from me for $100,000. You dont have the money so you have Mr Bank buy it for you with the promise you will pay it back. So the bank writes me a check for $100,000 and I give them the title. Now you are paying the bank back what you promised. When you pay it all back the bank gives you the deed.

Im just likening it to exactly how a car loan works. They basically bought the car for me. Its their car until I pay it off. Thats why the title to the car will list my bank as the owner until I pay it off.

Again, I have never had a mortgage so Im sure there are tons and tons of things that I am not considering.
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You buy the house. The bank lends you the money. Not all that complicated.
 
Sh1ner said:
Yea I know this is not the best place for this but I didn't know where else to request this:

If someone would kindly make a thread on my behalf on asking for Gaffers who have had LASIK Eye surgery with/or wavefont in the UK, could they post how it went for them?

I am looking to get Laser Eye Surgery, I have gone for a consult, and I am debating to get it done, its half price for me 2 grand for LASIK with wavefront, no blade to cut the cornea.

Can the op also mention Gaffers that haven't undergone the procedure post generic myths and other disinformation regarding the procedure in the thread that hits every other thread I have seen online which leads to posting of youtube vids where it goes wrong. Yea we already know about that shit and I am still looking to get it done.


I know the Optimax website or other Optical Surgery site would be best place for this but I expect there would be some BAIS on such sites. So a gaffer willing to help a junior out?

If not then this post deserves to be here :D
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My dad has had laser eye surgery. Not sure where he got it done, but it was in the UK. It has been successful for him and he has had no problems whatsoever besides the initial week or two. He obviously is very happy with the treatment and to be honest, who wouldn't be happy if they no longer had the need to wear glasses again? Can't really say much else other than that. :P
 
parrotbeak said:
Huh, I didn't realize that either. I just got a mortgage 2 years ago and never got a title. I guess it's with the title company that sends stuff to me once in a while?

I got my car's title mailed to me a couple weeks after I paid that off, so I'd assume my mortgage would work the same way. I'm not gonna remember any of this 28 years from now anyway.
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Now that I'm home, I checked my papers from the original loan in '92 and when I refinanced in '01, and I don't have anything resembling a title. I vaguely recall that maybe titles are kept on file with the state? (MD)

Actually, after I paid off my loan I emailed the mortgage company asking them when I would get my escrow and if I would be getting a document like a title, but when they replied they only answered the first question. I guess I'll call them tomorrow..."We're sorry, but all our service representatives are busy..."


Just curious, how old are you, Lucky?
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I'm 49.

*clutches heart*
 
Lucky Forward said:
Now that I'm home, I checked my papers from the original loan in '92 and when I refinanced in '01, and I don't have anything resembling a title. I vaguely recall that maybe titles are kept on file with the state? (MD)

I'm 49.

*clutches heart*
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Wow, 18 years, good job! That must feel so good. Did you put a lot down or did you make a lot of extra payments?

Every time I come into unexpected money, I add it to my next monthly, but otherwise I've been paying the minimum. I hope as I get older, I can start paying more, but right now it's already a big part of my pay check.
 
silverbullet1080 said:
Wolfman blows. Honestly none of those movies are that good but if you had to choose one go for The Crazies.
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Thankee-sai. :D

It was a pretty intense film, actually. Haven't seen a horror flick in a long time.
 
kai3345 said:
GAF did I just waste 30 bucks?

I bought Digital Devil Saga from Gamestop for 30 bucks thinking it was the box set. But Play-Asia's pictures for the box set here has that picture in it as well as what looks like a diffrent box.

So did I buy the box set or not?
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I assume so. Theres 3 pictures there. The Front, A side/front view showing the spine, and a side/back view showing the disks and back. Nothing there that would make me worry personally :P
 
So I hear that if you're exposed to the vaccuum of space your blood will not boil nor will you instantly freeze. Can someone sum up what actually would happen without providing a link to some long ass article?
 
ronito said:
So I hear that if you're exposed to the vaccuum of space your blood will not boil nor will you instantly freeze. Can someone sum up what actually would happen without providing a link to some long ass article?
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Not alot. Radiation would be a problem if you weren't in a space suit. You would have 1-2 minutes of conciousness before your body ran out of oxygen. You'd feel like you have a cold, ear drum may rupture.
 
Well, that's the movie version. In fact, as unfriendly as the vacuum of space is, the body's made of stern enough stuff to stay in one piece. When you step outside, you've got about 15 seconds before you pass out from anoxia (which is, of course, less time than most people can go between breaths if pressed; however air cannot be kept in the lungs), a couple of minutes at best until you die from the same, and all sorts of nasty decompression injuries and having exposed areas swelling up and ohmygod the water just boiled off my eyes in between, but you never quite go boom: remember, technically speaking, your blood is not in a vacuum: it's in you, so swelling and boiling blood only occurs toward your squishiest, outermost layer of capillaries. Incidentally, holding your breath would be worse than useless; the difference in pressure would cause a serious and fatal embolysm even from the smallest amount of air in the lungs. Worse, for breathing the chest and lungs work on the principle that the pressure inside the lungs and outside the chest is roughly the same. Lacking the outside pressure while air is contained in the lungs they can overinflate and rupture, killing you even after you may be rescued.
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From http://tvtropes.org/pmwiki/pmwiki.php/Main/ExplosiveDecompression

Yeah, the only heat loss would be from radiation, so that's not the main concern.
 
What's the difference between choking someone (strangulation) and choking someone out (rear naked choke)? I don't understand how one choke can kill someone and another simply knocks them out.
 
AgentWhiskersX said:
What's the difference between choking someone (strangulation) and choking someone out (rear naked choke)? I don't understand how one choke can kill someone and another simply knocks them out.
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They both can kill. You get knocked out first and will die if the person choking you does not release the hold.
 
parrotbeak said:
Wow, 18 years, good job! That must feel so good. Did you put a lot down or did you make a lot of extra payments?

Every time I come into unexpected money, I add it to my next monthly, but otherwise I've been paying the minimum. I hope as I get older, I can start paying more, but right now it's already a big part of my pay check.
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Thanks! I only put down 5%, but I started making extra payments right from the get-go, basically paying double principal each month. As my salary went up over the years, the extra went toward the house every month. The thing was, I never thought about whether or not I could afford to send in extra this month or that month, I always did it, and based the rest of my spending around that. Of course, it helped that my house (a small place on a nice, tree-lined one-acre property) cost $95K back in '92. Good luck to you!
 
uraldix said:
They both can kill. You get knocked out first and will die if the person choking you does not release the hold.
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But using your hands you could apparently see someone die before your very eyes without them getting knocked out. But using your arm they get put to sleep.
 
AgentWhiskersX said:
But using your hands you could apparently see someone die before your very eyes without them getting knocked out. But using your arm they get put to sleep.
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I think maybe you are thinking of the movie way that people die a little bit. In real life choking somone with your hands would make them pass out first. It doesn't take a minute or two to kill them, probably more like ten minutes of dedication :lol

I have a question: Is there any way I can assign a drive letter to a portable drive, so that it retains that letter in whatever PC i connect it to? I have a portable drive with all my music in that I use on a couple of computers, but each one assigns it a different drive letter and I'm sick of having to re-add all my music when the file paths change. Now I know I can do it manually on each computer but one of them is a work machine that won't let me access the drive management to do it. Is there any way I can set it to be, say, the Z drive no matter what PC it is attatched to?
 
dave is ok said:
If you want your Deed, check the Registry of Deeds of your county. Many are online now (www.masslandrecords.com is the site for Massachusetts, my state).

Different states have different rules, but most do record Deeds, Mortgages and stuff like that.
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Yup. Just gotta hope the deed was originally recorded. 99 times out of a 100 it would be, though land contract sales (which doesn't apply in this situation) go frequently unrecorded - especially upon satisfaction of the contract.
 
AgentWhiskersX said:
What's the difference between choking someone (strangulation) and choking someone out (rear naked choke)? I don't understand how one choke can kill someone and another simply knocks them out.
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MMA chokes are blood chokes. You cut off the jugular, no blood to brain, they pass out. Once you release the choke, the arteries open up again and blood rushes back to brain. Choking with your hands with the thumbs pressed down on the windpipe can crush the windpipe and stop them from breathing. A crushed windpipe doesn't bounce back as readily as a compressed artery.
 
AgentWhiskersX said:
But using your hands you could apparently see someone die before your very eyes without them getting knocked out. But using your arm they get put to sleep.
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Depending on how much oxygen flow is restricted, unconciousness can occur within one minute and death follows with a few minutes. Facing a person and using your hands typically is more effective at reducing blood/oxygen flow and the person would would be knocked out and die quicker than by using a chokehold but the basic pattern would be the same.
 
DefectiveReject said:
Why the fuck when someone says "don't go to google and type in blue waffle and hit I'm feeling lucky" do I have to do it.

I wanna vomit :(
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Care to elaborate? or do I not want to know? lol
 
m0ngo said:
Care to elaborate? or do I not want to know? lol
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I typed it into google without actually searching and apparently it's some sort of infection. I'm feeling nauseous just thinking about what it could be...
 
AgentWhiskersX said:
...choking...strangulation...choking...naked...choke...choke...kill.
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2Tgi.png

205v8eb.jpg
 
heh, I was driving through Santa Clara and I saw this black Toyota RAV4 that had the license plate "PSWII60". Would I be right in guessing that that is a gaffer's car? because I've NEVER heard that term off of a gaming forum.
 
Hmm, other problem has been solved but still.

Blackberry 8520 any good? I can't really afford a more recent model, and the lack of GPS means nothing to me.
 
Al-ibn Kermit said:
heh, I was driving through Santa Clara and I saw this black Toyota RAV4 that had the license plate "PSWII60". Would I be right in guessing that that is a gaffer's car? because I've NEVER heard that term off of a gaming forum.
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ugh, i hate when people assume things like this. yes, theres a chance. no, its not a high chance :lol
 
mcrae said:
ugh, i hate when people assume things like this. yes, theres a chance. no, its not a high chance :lol
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I never assumed that it was a high chance that's why I'm asking it in this thread. But gaf does seem to be one of the biggest gaming forums out there and a lot of the gaming nerds I meet in real life seem to have at least heard of this forum (I've only met one other random person who actually reads it tho).
 
Would would happen to the US economy if the West Coast was invaded by a foreign power (AKA Russia, China) and the military was caught off gaurd?

I've been playing too much MW2, i know.
 
Magnus said:
Retarded question:

Is there a way to skip right to my last post in any given thread?
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On the left of the topic title, there's a yellow folder button that you can click on to go to your latest unread post. Is that what you meant?
 
TacticalFox88 said:
Would would happen to the US economy if the West Coast was invaded by a foreign power (AKA Russia, China) and the military was caught off gaurd?

I've been playing too much MW2, i know.
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Well, that's pretty much impossible, but I guess alot would change. California is fairly important in the scheme of things, not to mention we'd be caught in a constant war. I don't know.

But as long as we have high school football players, we'd be okay in the long run.
 
Al-ibn Kermit said:
On the left of the topic title, there's a yellow folder button that you can click on to go to your latest unread post. Is that what you meant?
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Wow, thanks :lol Can't believe I didn't realize that this whole time. I mean, I saw the icon and knew that it indicated new posts, I just never thought to click on it.

And I meant going to my last post in a thread, instead of my last read post, but this is kind of even better. Thanks dude.
 
Magnus said:
Wow, thanks :lol Can't believe I didn't realize that this whole time. I mean, I saw the icon and knew that it indicated new posts, I just never thought to click on it.

And I meant going to my last post in a thread, instead of my last read post, but this is kind of even better. Thanks dude.
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doesn't work in the off topic anymore
 
WanderingWind said:
Well, that's pretty much impossible, but I guess alot would change. California is fairly important in the scheme of things, not to mention we'd be caught in a constant war. I don't know.

But as long as we have high school football players, we'd be okay in the long run.
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Mind elaborating? I'm kinda high right now. :lol
 
Kilograms are a measurement of mass.

Pounds are a measure of weight.

On Earth, mass and weight are pretty interchangeable, and most countries use the metric system and use kilograms instead of pounds. What do they say something weighs on the moon then, for instance? The mass would be the same, so it would still be the same number of kilograms.
 
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