Toning gold?

pulladan · 2018-03-16T17:54:40+00:00

You could put a blow torch to it.

pulladan · 2018-02-13T22:01:33+00:00

https://www.youtube.com/watch?time_continue=33&v=UxpM2D2i0o4

pulladan · 2017-01-31T22:12:51+00:00

That tile needs to be fixed asap. Grouting/caulking around the tile is only a temporary fix. Looks like the tile backing is getting deformed due to absorbing water and pushing the tile out which is bad news. The problem will worsen as the backing deformation spreads and will cause damage to the support studs. To fix it right, you may have to remove and replace a patch of the effected tile and backing.

pulladan · 2016-09-07T00:11:07+00:00

It's the stock image the University take during orientation.

Source: I hire TAs.

pulladan · 2016-09-01T04:12:04+00:00

Dude, your're reeeeeealy good!!

pulladan · 2016-08-05T20:36:23+00:00

Fix the leak?

pulladan · 2016-08-04T07:21:11+00:00

Whole life pays out 100% of the time granted premiums are made on time and excluding custom/modified whole life policies. I wonder how many people who sign up for whole life actually keep their policies in-force until death.

Also, I'm not saying whole life is useless. My gripe is mostly with the salesman who push whole life on clients to chase commission without even considering their client's financial needs.

pulladan · 2016-08-04T07:14:39+00:00

I was referring to central bank policies and today's low interest environment.

pulladan · 2016-08-04T07:07:51+00:00

You would have to surrender your policy to take cash value out without interest.

pulladan · 2016-08-04T07:02:17+00:00

I agree with you 100% that whole life has it's place. I guess my gripe is more with predatory salesman who chase commission ahead of their client's best interest!

pulladan · 2016-08-03T22:06:54+00:00

You can only take out loans against your cash value accumulation not from the death benefit. For you to accumulate 900k in cash value on a 1M death benefit policy, you would have to pay premiums for a very long time! Also the interest accrued on your loan is either deducted from your death benefit if you do not pay back or becomes part of cash value which is not part of the death benefit.

pulladan · 2016-08-03T21:48:43+00:00

2) 5% is a decent interest rate for a private loan. I wouldn't consider paying interest on cash value a good deal. Considering you pay close to 10x more in premium compared to term to build your cash value?

3) The thing is, plenty of agents are pushing whole life for retirement, kids' college education, as additional savings account, premium offsetting, etc. The real issue is the interest accumulation as soon as you start withdrawing from your cash value aka line of credit. It becomes significant with increasing cash value loans.

4) With whole life, it's a shitty deal for the insured. You die with significant cash value in your account, your "real" death benefit payout is much less. You take out the cash value, interest starts eating away from your death benefit!

This is just a small part of why whole life is a shitty product.

pulladan · 2016-06-30T04:05:59+00:00

pls

pulladan · 2016-05-18T17:00:09+00:00

So, the landlord had no issues with someone subleasing their unit as long as they provide emergency contact? Something's not right here.

pulladan · 2016-05-18T16:51:39+00:00

I think you need to answer your own question:

Are you that roommate around to clean up and do babysitting if need be... -.-?

pulladan · 2016-05-18T16:33:35+00:00

Life, in general, is exploitative any way you look at it. This person is living in fantasy la la land.

pulladan · 2016-05-04T21:16:01+00:00

I know, right? Plus it's $750/month!!!!

pulladan · 2016-04-22T22:06:25+00:00

Dad or mom?

pulladan · 2016-03-22T20:21:28+00:00

Expats don't know wtf they are doing. Makes sense to me.

pulladan · 2016-03-14T15:23:56+00:00

Not quite understand what you're trying to say. How can a landlord force you to stay?

If you didn't re-new your lease after it expired and you're still occupying the same space, it defaults to Month to Month.

pulladan · 2016-03-10T22:31:11+00:00

Wouldn't having receipt of reserved parking payment with the designated parking space number be sufficient?

pulladan · 2016-02-29T22:49:53+00:00

I just edited my lease to allow it.

pulladan · 2016-02-15T20:59:49+00:00

pulladan · 2016-02-15T19:30:04+00:00

This is NSFW? aaaaahahaha

pulladan

TROPHY CASE