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Mr_Phil

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Everything posted by Mr_Phil

  1. *** You are ignoring this piece of garbage. ***
  2. Mr_Phil

    The Grundle

    Is this a religion thing?
  3. The most annoying characteristic of many of the posts is they start out with a disclamer and then immediately ignore it I don't know anything about climbing and I don't mean to be disrespectful, but they were stupid to ... . Don't they care about their families?
  4. *** You are ignoring this piece of garbage. ***
  5. As has been mentioned a number of times, the vast majority of SAR missions are not for climbers, but for "hikers, boaters, hunters" and others. If someone's kid gets lost in the woods, a large number of folks are going to band together and go looking for them. You can use your arguement (Why force me to pay for people who I don't even know?) to deny everything from the military, to welfare, to public education. Other people in this country feel the need to band together for the common good.
  6. Let's ride bikes!
  7. Mr_Phil

    It's a Miracle!

    Think Kentucky
  8. Mt Si near North Bend.
  9. Bartman, All of those questions have been answered in the Hood threads in the Oregon Cascades forum. http://www.cascadeclimbers.com/forum/ubbthreads.php/ubb/postlist/Board/7/page/1
  10. Mr_Phil

    Experts

    Yes, I'll admit it. Although it was a shameful part of my life, I'm not strong enough to hide it any longer. I, too, was a pert. But with the help of this twelve step program, baby Jesus, and a mountain of blow, I was able to turn my live around. And with little humility, I can truthfully say that: "I am an Ex-pert." Bless you.
  11. That's not pooping, that's spraying.
  12. 8==========================================================D Mine's longer.
  13. Blah, blah, blah. What a tool. The internet didn't exist back when the Nazi's started.
  14. *** You are still ignoring this fucktard. ***
  15. Well, don't take this personally TekEss, but you came here because you've been sold a bill of goods by the media who's flogging a soap opera for the sake of making the kind of money you seem to think the owners of this site should be bellying up to the trough to get their share of. Oh, and by the way, make sure to *click* the REI link at the bottom of the page and buy something purdy for the wife. They have real nice lifestyle clothing. The kickbacks keep us in blow and booze.
  16. More like "Gut Super-sized Double Bacon Cheeseburgers w/ Fries associated with obesity"
  17. ** You are ignoring this insensitive, cruel bastard ***
  18. Gourmet Folgers? Not very far. Unless there were no alternatives.
  19. CrazyPolishCustomerServiceRepresentative
  20. a 40 year isn't necessarily a "bad" option. a forty year fixed keeps payments predictable, and can increase your cash flow, especially in an investment property. It can also get you into properties that otherwise wouldn't pencil out in the short term. ARMs and interest only loans I think are potentially the really dangerous and volatile ones (as people are starting to find out). But even these can be used to your benefit, IF you have a clear picture of what your goals are. If you had gotten into an arm 5 years ago in seattle on a $400,000 house at 4.5% and were selling now, you'd probably be looking at around 30 grand more in your pocket, along with the considerable appreciation you would have realized (which would be there regardless of your loan choice). Using arms or inrterest onlys without a clear picture of one's goals though seems to be a recipe for some potential stresses in the future. Appreciation seems to be a constant and a given in this analysis. Interesting. You mean it's not?!? OMG!?! Here's an interesting analysis of housing prices. This was predicated on a 30-year loan. A 40-year loan simply bumps up housing prices, as mortgage-to-the-hilt buyer with a 40 year loan can offer more than a similar buyer with a 30 year loan. Zero-Principle loans and Negative Amortization loans again just add to this. For example, see the shift in prices in Jay's chart in the mid-40's? That coincides with creation of Fannie Mae and the popularization of 30 year loans after the war. Easier loans, housing prices go up. When this comes down, it's going to get ugly. And the Gov't will probably end up bailing everybody out (again). Who is one of the largest sellers of Negative Amortization loans? Our own Washington Mutual.
  21. Mr_Phil

    punk ass sprayers

  22. Mr_Phil

    punk ass sprayers

    Me thinks thou protests too much. Pink and Minx Sitting in a tree K-I-S-S-I-N-G First comes love Then comes marriage Then comes Kevbone in a ba-by carriage.
  23. No, It's a C++ Gooey Programming Guide. I've been eyeing one myself.
  24. Mr_Phil

    It's a Miracle!

    Virgin birth on Christmas. Although I somehow suspect Layton was involved.
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