1. sahib lopez's Avatar
    I had a LTE phone but not the service. The provider I was on doesn't have LTE so it was time to switch.

    I now have a prover that let's me use my data allowance overseas. Should come in handy. :)
    Ooooohh well that's good :) I assumed Europe had lte just like the us . I didn't know your carrier didn't offer it .

    Huh that carrier sounds like tmobile .... Able to use the service overseas


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:28 AM
  2. Mohamed Ashid's Avatar
    I like to think its the new posters who can't take it


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    Am I one of the new posters or old posters?
    03-03-2015 11:29 AM
  3. sahib lopez's Avatar
    Morning folks. Looks like the conversations went tame while I was asleep...can we bring back the sexual innuendos please? I need a good laugh at the start of my regular work week...
    Well we need an instigator ... That used to be snowflakes job :p


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:30 AM
  4. sahib lopez's Avatar
    Am I one of the new posters or old posters?
    If you know snowflake , Bp , dead pool , then no you are not ;)


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:31 AM
  5. sahib lopez's Avatar
    It's morning where some of us are.

    I need a nap to recover from my night of sleep.
    Lol that seems ironic you need to sleep to recover from sleeping


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:34 AM
  6. sahib lopez's Avatar
    O.O I just realized that if sister chromatids were brother chromatids, we could call them bromatids!
    Sounds like something Barney would say to Ted :p


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:36 AM
  7. sahib lopez's Avatar
    No blunt was hit during the making of this post.
    You hit blunts ... I though you smoke them


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:37 AM
  8. sahib lopez's Avatar
    I read word mood a bit different

    Sent from my Motorola Moto G 2014
    Wow I almost did the same thing :p !!!


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:38 AM
  9. sahib lopez's Avatar
    Sounds like a good plan. Anyway, Daylight savings time kicks in next week...
    When I saw day lights saving I said noooooooo one less hour to sleep D:


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:40 AM
  10. sahib lopez's Avatar
    So your guy could give you a ring....
    Beyonc - Single Ladies (Put a Ring on It):
    Good stuff I was playing it and my sisters thought I was being weird


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:41 AM
  11. N_LaRUE's Avatar
    When I saw day lights saving I said noooooooo one less hour to sleep D:


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    You don't lose any sleep....
    03-03-2015 11:42 AM
  12. sahib lopez's Avatar
    You don't lose any sleep....
    When it's fall back I get an hour in the day the switch happen ... So when it's spring forward when the switch happens I lose an hour :(


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    03-03-2015 11:44 AM
  13. N_LaRUE's Avatar
    Ooooohh well that's good :) I assumed Europe had lte just like the us . I didn't know your carrier didn't offer it .

    Huh that carrier sounds like tmobile .... Able to use the service overseas

    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    The EU is a mix bag. So you shouldn't assume anything. We have everything from 1st world countries to 3rd world countries and everything in between.

    I was using Virgin which piggy backs on EE but didn't have 4G. I'm now on 3 which has 4G and just bought O2.
    sahib lopez likes this.
    03-03-2015 11:45 AM
  14. N_LaRUE's Avatar
    When it's fall back I get an hour in the day the switch happen ... So when it's spring forward when the switch happens I lose an hour :(


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    You'll live. :P
    03-03-2015 11:46 AM
  15. worldspy99's Avatar
    Here's something to wrap your head around...

    The whole financial market is about trading debt and making money on it.

    Mortgages = debt

    Where things went wrong is that they starting delving into the territory of high risk debt and bundling it together with secure debt. No one really knew what they were trading and didn't care so long as they made money.

    Then things went poof.
    Here are my thoughts on this problem and N_LaRUE's excellent synopsis:
    1. Banks got greedy
    2. They started lending to anyone - including people without a pulse and without verifying anything...lots of people early on got into the action and made tons of money...but lots of other who shouldn't have qualified fora house got McMansions and then foreclosed on it once things started to go downhill.

    But here are the downsides:
    1. People like me who could afford to put 20% down and make regular payments without any problems, suddenly found really inflated home prices and with interest rates as they were we couldn't afford houses that in 2004 were easily within reach
    2. Someohow we did manage to get a house in the heyday. But since we had put 20% down (which was a pretty big sum of money) there was less incentive to move after 2007 because then we would lose the down payment and owe the bank a crapload of loan money. Due to this reason, I did not take a job in CA in 2008 and also felt it was wrong to just walk away from a loan. Even in 2015 my gross salary is less than that offer in 2008 (I don't even want to count how much that would be especially with the stock that was offered along with the job as well).
    3. After the whole thing blew up, I decided to just take the loss on the down payment and get rid of the property. I did not feel bad that the bank had to eat up a loss on their loan, guess why? It was their greed by lending to whoever and then converting bad mortgages to debt and selling it they had caused the mess to begin with and since I was taking a loss on my payment it was okay that they took that loss as well. On the flip side I paid every installment without any issues for 5+ years and my loan had only gone down 15K...so they had made quite a bit of money from me anyways...

    Long story short, I am so scarred by that episode that I am really reluctant to buy a house now. And on top of that in CA the prices are ridiculous so...
    MSFTisMIA, N_LaRUE and sahib lopez like this.
    03-03-2015 11:48 AM
  16. worldspy99's Avatar
    When I saw day lights saving I said noooooooo one less hour to sleep D:


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    You don't need to respond to every post here just to pad your post count...
    03-03-2015 11:48 AM
  17. MSFTisMIA's Avatar
    Here are my thoughts on this problem and N_LaRUE's excellent synopsis:
    1. Banks got greedy
    2. They started lending to anyone - including people without a pulse and without verifying anything...lots of people early on got into the action and made tons of money...but lots of other who shouldn't have qualified fora house got McMansions and then foreclosed on it once things started to go downhill.

    But here are the downsides:
    1. People like me who could afford to put 20% down and make regular payments without any problems, suddenly found really inflated home prices and with interest rates as they were we couldn't afford houses that in 2004 were easily within reach
    2. Someohow we did manage to get a house in the heyday. But since we had put 20% down (which was a pretty big sum of money) there was less incentive to move after 2007 because then we would lose the down payment and owe the bank a crapload of loan money. Due to this reason, I did not take a job in CA in 2008 and also felt it was wrong to just walk away from a loan. Even in 2015 my gross salary is less than that offer in 2008 (I don't even want to count how much that would be especially with the stock that was offered along with the job as well).
    3. After the whole thing blew up, I decided to just take the loss on the down payment and get rid of the property. I did not feel bad that the bank had to eat up a loss on their loan, guess why? It was their greed by lending to whoever and then converting bad mortgages to debt and selling it they had caused the mess to begin with and since I was taking a loss on my payment it was okay that they took that loss as well. On the flip side I paid every installment without any issues for 5+ years and my loan had only gone down 15K...so they had made quite a bit of money from me anyways...

    Long story short, I am so scarred by that episode that I am really reluctant to buy a house now. And on top of that in CA the prices are ridiculous so...
    It's why for me long term I won't buy a house in NY or NJ - the value doesn't match the costs to get and maintain it. I'd almost be better off buying the land and doing it myself, sometimes...

    Posted Approved by Nexus 7 (2013)
    N_LaRUE likes this.
    03-03-2015 11:52 AM
  18. sahib lopez's Avatar
    You'll live. :P
    that is true :P and it does mean more sunlight !
    03-03-2015 12:04 PM
  19. sahib lopez's Avatar
    You don't need to respond to every post here just to pad your post count...
    been doing that since day one :P
    03-03-2015 12:06 PM
  20. someone2639's Avatar
    You hit blunts ... I though you smoke them


    Sent from my iPod touch using Tapatalk but I prefer my 810 and 830
    It was a joke that accompanied another joke.
    03-03-2015 12:06 PM
  21. worldspy99's Avatar
    been doing that since day one :P

    And someday that can stop as well...
    03-03-2015 12:10 PM
  22. sahib lopez's Avatar
    It was a joke that accompanied another joke.
    im just messing with you :P
    03-03-2015 12:14 PM
  23. sahib lopez's Avatar
    And someday that can stop as well...
    o.O what I do
    03-03-2015 12:14 PM
  24. worldspy99's Avatar
    o.O what I do
    Go spend some money, help the economy, have a tri-tip sandwich...use your phone to post something original...your own take on things not just responses to posts others make on the thread....help other members on the other threads if possible...should I go on?
    N_LaRUE and MSFTisMIA like this.
    03-03-2015 12:23 PM
  25. sahib lopez's Avatar
    Go spend some money, help the economy, have a tri-tip sandwich...use your phone to post something original...your own take on things not just responses to posts others make on the thread....help other members on the other threads if possible...should I go on?
    well I do do all of that stuff....I post stuff that are original ...well in my head they sound original :O and I do try ..to help other members if I can
    03-03-2015 12:36 PM
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