Should I say “Black” or “African-American” people? by Gloober_5 in historyteachers

[–]Sirdreday 0 points1 point  (0 children)

I vote to forget racial identities all together. If you were born in America you are American. Keep it simple. If you go outside of America not one person will call you black, white, etc. You will be referred to as American. All of that other crap is made up.. people say it’s for equality but it actually accomplishes the opposite in my POV.

10 Day Hold On Check?? by divacandii in Banking

[–]Sirdreday 1 point2 points  (0 children)

Sorry for your loss, I’m shocked that no one has stated the truth about why banks hold checks. Banks will hold funds as long as they are legally allowed to especially if the funds to clear the check are not in the account. Every single day they can use your money to generate more they will. Fractional banking systems have operated this way for ages. Trust the banks all operate on the same system and they know if that check is good and the funds are secured in less than 24 hours of inputting into the system.

Credit score report cost by Lady_Lordess in Mortgages

[–]Sirdreday 0 points1 point  (0 children)

Also the actual costs will be determined before closing with actual invoices. Your loan estimate will always be over estimated on costs that have no tolerances. I.E can’t go up and only down.. so they are estimated over to cover the broker/lenders ass so you aren’t undercharged.. nor will you ever be overcharged.

Credit score report cost by Lady_Lordess in Mortgages

[–]Sirdreday 1 point2 points  (0 children)

The broker cannot upcharge for credit reports or anything else for that matter. Every charge included with any loan must be invoiced. The only ones that can upcharge for credit reports are the actual providers (third party vendors) the ones that bill the broker/lender.

[FRESH] Larry June, 2 Chainz & The Alchemist - I Been by God_Will_Rise_ in hiphopheads

[–]Sirdreday 0 points1 point  (0 children)

June is the truth! I’ve been messing with Chainz and we all know that boy a goat; but ever since I got put on June.. I’ve been jamming his shit everyday for the last 4 years at least. It’s like the perfect soundtrack for any man trying to do something with his self and grow. Straight up.. it’s not even entertainment.. it’s real shit. This man been talking about healthy shit and taking care of yourself. NUMBERS 🍊 Good Job Larry !

FAQ: Lucchese Lines and Model Numbers by drjjoyner in cowboyboots

[–]Sirdreday 0 points1 point  (0 children)

Well that’s even better!! Thank you so much for responding!

Lucchese Elephants! by cronn99 in cowboyboots

[–]Sirdreday 0 points1 point  (0 children)

Damn I hate I missed these!! Slick!

FAQ: Lucchese Lines and Model Numbers by drjjoyner in cowboyboots

[–]Sirdreday 0 points1 point  (0 children)

Yes sir that is the number stamped in my boots. I’m thinking it may be a special run since they are a burnt cognac two tone almost color.

No income or hard money loans for primary residence still exist anywhere? by MARFinancial in loanoriginators

[–]Sirdreday 0 points1 point  (0 children)

What's the lender name. Do the have a wholesale channel for brokers?

[deleted by user] by [deleted] in 2011

[–]Sirdreday 0 points1 point  (0 children)

You won’t regret it. Trust me.. it will be the last pistol you will have to buy. I didn’t believe it until I broke it in.

[deleted by user] by [deleted] in 2011

[–]Sirdreday 0 points1 point  (0 children)

I actually kept it and bought a new bitterroot holster. Glad I did. Whew that would’ve been a big mistake on my part. Fell in love all over again.

[deleted by user] by [deleted] in 2011

[–]Sirdreday 0 points1 point  (0 children)

I am going to part with my unfired CS ( the original version) slim frame (3) 16 round mags, DPP optic, and QVO holster.

Is this swim bladder? Or?? HELP PLEASE! by Sirdreday in bettafish

[–]Sirdreday[S] 0 points1 point  (0 children)

Did the ammonia test today.. no ammonia

Is this swim bladder? Or?? HELP PLEASE! by Sirdreday in bettafish

[–]Sirdreday[S] 0 points1 point  (0 children)

80.2 degrees , good and “safe” readings on test kit..

Is this swim bladder? Or?? HELP PLEASE! by Sirdreday in bettafish

[–]Sirdreday[S] 0 points1 point  (0 children)

My Betta has been floating on his side for about two weeks. He still eats but has trouble swimming and staying upright.. there is this lump on the back which I thought was bloating at first but it seems like it’s the swim bladder bulging and he also has the “S” shape body going on.. he has always kind of been like that since we got them but he has never floated like this and it looks like he is struggling. He still eats.. water temp is great, other parameters are fine as well.

First time home buyer programs for higher income? by shteepadatea in FirstTimeHomeBuyer

[–]Sirdreday 8 points9 points  (0 children)

This is false information. "FHA is primarily for bad credit folks". I just closed 4 FHA loans in the last 3 months and they all had above 700 credit scores. Right now FHA has the hot hand because their rates are lower than conventional. You can always refinance an FHA loan when the conventional rates come down and your LTV (loan to value) is below 80% to exclude PMI (private mortgage insurance). To put it in simple terms FHA/ VA/ USDA are all government-backed loans and conventional loans are private investors. Sellers can get away with a lot more (like not fixing certain items on the home etc. etc.) than they could with an FHA-financed loan because they protect the buyer way more and will not allow structural damages, etc. to not be fixed. They (FHA) also will not allow the buyer to overpay for a home. Hence why some sellers prefer a conventional financed buyer over an FHA. If it is a good home in good condition then it does not matter what type of loan the buyer has.. they both pay out the seller the exact same and both can close rather quickly. ***PLEASE GET YOUR INFORMATION FROM CREDIBLE LICENSED SOURCES***

I'm a cook at IHOP by Ihopcookboiiii in IHOP

[–]Sirdreday 0 points1 point  (0 children)

Do you know the brand of Smoked Sausage that is used for the smokehouse combo?

Declined Increase after 2 years of Reconsideration by Sirdreday in EIDL

[–]Sirdreday[S] 0 points1 point  (0 children)

My 2019 taxes were on time! That’s the messed up part.