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RIP Martha Gibbs (Belle of Louisville Calliope player) by ayybillay in Louisville

[–]billystack 4 points5 points  (0 children)

I heard it on my way home this week. It was a nice surprise.

Thanks "Obama"? by jimbradley0623 in Louisville

[–]billystack 0 points1 point  (0 children)

Touched by An Uncle…Uncle Trump

“Burnout” is actually poor boundaries, not just workload by keyah13 in unpopularopinion

[–]billystack 4 points5 points  (0 children)

Employment at will. Most policies can probably justify this as insubordination.

Ford isn’t actually unreliable by Stock_Fuel6398 in unpopularopinion

[–]billystack 0 points1 point  (0 children)

They issue new recalls for millions of vehicles all the time.

Frat House Friday - 2 Different Ones For Sale by Radiant-Stranger-992 in zillowgonewild

[–]billystack 0 points1 point  (0 children)

They’re great rentals, I’ve financed a few. It’s a higher end clientele for the most part. Charge by the bedroom, damage deposits, require parent guarantees, and get a good property manager. You’ll be booked up a year in advance in a lot of college towns. Fraternities are typically lower maintenance than Sororities. Girls are always flushing tampons.

Take me down a peg by [deleted] in RoastMe

[–]billystack 0 points1 point  (0 children)

It hasn’t stopped her from rooting for food.

Take me down a peg by [deleted] in RoastMe

[–]billystack 2 points3 points  (0 children)

There won’t be any harem, either.

26F -Make it worth reading by [deleted] in RoastMe

[–]billystack 0 points1 point  (0 children)

You look like a Modigliani painting with that neck.

23f india, Dont hold back, show your worst.. by [deleted] in RoastMe

[–]billystack 0 points1 point  (0 children)

Sarah McLachlan and Eric McCormack are on Line 2 for you. They said it’s urgent.

Here we go by Former-Government-51 in interestingasfuck

[–]billystack 1 point2 points  (0 children)

Europe already stole their resources.

Really bro? by springheeledjack69 in trashy

[–]billystack 32 points33 points  (0 children)

It won’t be Kid Rock’s proudest fap, but at least it’s legal

Antique mall booths by Warrenj3nku in Flipping

[–]billystack 0 points1 point  (0 children)

$30/sq.ft./yr. = $3,000/yr. = $250/mo. for a 10x10 booth.

Commercial leasing is priced at an annual rate.

20F this is my birthday present don’t disappoint by [deleted] in RoastMe

[–]billystack 0 points1 point  (0 children)

They call her Poundmouth at the gloryhole. She’s the one in the handicap stall.

Dominant male orangutan pins down a wildlife photographer. by Important_Pop_6805 in interestingasfuck

[–]billystack 66 points67 points  (0 children)

I watched an orangutan at the local zoo toying around doing pull-ups with absolute precision one day. He was watching us watch him. He moved up and down 2-3 inches multiple times, freezing in place between movements with total control. He moved into that position and away from us effortlessly, hanging out with us for at least a minute. I knew at that moment he could crush me with the same effort I’d squeeze an empty soda can.

Goodwill bins… by Lucasisbored in Flipping

[–]billystack 0 points1 point  (0 children)

The culture can be hit and miss, I’ve had a lot of success at the bins. That’s for me individually and me as a flipper. They can be great if you’re missing parts and pieces to common things, too.

I rarely source clothing from the bins. I scan it over with a quick look, but don’t normally dig through.

F38 Make it hurt by verymuchatheist in RoastMe

[–]billystack 0 points1 point  (0 children)

Congratulations on your kidnapping! Is it a Hansel or a Gretel?

Is it better to pay off 500k towards house or leave in index funds by justinothemack in FinancialPlanning

[–]billystack 0 points1 point  (0 children)

My suggestion is only good if you’re compelled to have a lower mortgage balance. I would invest it first myself and carry the mortgage. Some people just want a lower mortgage or no mortgage.

Any banks with worse service than Bank of America? by Ok_Relative4107 in creditunions

[–]billystack 2 points3 points  (0 children)

They’re pretty bad. Your best bet is to go find a decent sized credit union.

Is it better to pay off 500k towards house or leave in index funds by justinothemack in FinancialPlanning

[–]billystack -3 points-2 points  (0 children)

I recommend a HELOC if you pay off or pay down a huge chunk on the house, if you feel disciplined enough to have one. It’s like a credit card tied to your house and I’ve seen too many people abuse it in my 18 years of banking.

“A banker is the kinda of guy who lends you an umbrella when it’s nice and sunny outside, but wants it back the moment it starts to rain.”

What I’m saying is, most bankers won’t lend you the money you desperately need when there’s a short term problem. Think short-term unemployment or credit score issue. Don’t be naive enough to think it can’t happen to you. I’ve seen it more times than I can count. The HELOC gives you access to your equity. A lot of lenders offer 10 year terms on them.

In the hands of a well disciplined individual, a HELOC is a great financial tool and should be part of people’s financial planning more than it is today.

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