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Luaderdale SS

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Posts posted by Luaderdale SS

  3. Taxes and insurance will make me homeless

    in Off-Topic/General

    Posted · Edited by Luaderdale SS (see edit history)

    From what I have read buy your PMI up front its cheaper. Sorry about your taxes.

     

    Didnt know that was an option, plus I only have 11 more months of PMI. I am looking forward to dropping it and getting the PMI money back at the end of the year. BTW has anyone done this yet? My loan to value is far past the 70% range, more like 50% range or less, but Wells fargo makes you wait five years to drop it. Do you get it all back or just part of it?

     

    Does anyone know about PMI refunds?

  4. Taxes and insurance will make me homeless

    in Off-Topic/General

    Posted · Edited by Luaderdale SS (see edit history)

    Not sure 4165 is realistic, dude.

     

    First 10 yrs. of payments are interest ... & then after that you should be paying on principle, & the payment shouldn't be as bad ... presuming you didn't get an ARM.

     

    Is that right, Black2003SS?

     

     

    OK I was not being serious on the 4k a month payment. I was saying base on the fact that my mortgage paymant has increased roughly 125 bucks a year for the first 4 years, then after the remaining 26 it would be close to that (125 x 26 years =3250 on top of the 1267 payment now, is like 4500 bucks). I know (hope) this is not going to happen. I have a fixed 6% fha loan & homestead with a balance of like 96k, I put alot down. The issue is the tax (capped @ 3% increase a year) and insurance keep going up. like I said I now pay almost 400 bucks more a month then when I started the loan. My other property which is not homestead exempt had taxes that trippled from last year! The thing is I have good habbits like sending an extra principle only payment every year, no credit card debit (pay it monthly), no wife, no kids, and its still tuff. I have no idea how some people do it? I also just got a letter from the county saying it will cost me 2600 bucks to upgrade my sewer system, and it must be done in 1 year....AAAARRRRRGGGGGHHHHH!!!!!!! :banghead:

     

    AND.. on top of all that, I want to strat modding my truck :(

     

    Had to blow off some steam with this topic, so thanks for listening

  5. Taxes and insurance will make me homeless

    in Off-Topic/General

    Posted

    I am starting to hate Florida as a home owner. I have owned my home for 4 years and the taxes and insurance are getting out of control. Every year I get a letter from my mortgage company that my esrow account is short and they require an additional payment. It ranged from 1100 to now 1397, thats not all! On top of the additional payment my monthly payments have gone up 376 bucks since the end of the first year! :banghead: I am getting concerned cause at this rate my monthly payment after the remaining 26 years will be like 4165.00 (based on the roughly 125 a month increase) aaaaaahhhhh!!!! I'm a single guy no second income from a spouse and It scares the sh*t out of me, talk about feeling powerless.

     

    Sorry, had to blow off some steam, just pissed off...

     

    So much for the American dream of home ownership-, bah humbug

  7. Pics of my truck

    in Video & Photography

    Posted

    looks good bro! but is ya bowtie upside down or somethin? the ss looks like it...

     

    holy shit your right! boy, do i feel like a horses ass. :banghead: :banghead: its a easy mistake though. you can hardly tell the difference to the untrained eye. whatever, i'll switch it tommorow.

     

    LOL, thought that kinda thing only happened to me!

     

    Sharp truck :thumbs:

  9. when is it rude?

    in Street

    Posted

    At the light, just sit there and power brake until they take off full throtle to get some fresh air....bam your racing :driving:

     

    While driving, I just get up next to them and buck the truck til she's about to make me puke,

    dude will will think "I gotta get away from this crazy @sshole" and punch it.....bam your racing :driving:

     

    But use caution the police look for these subtle methods :jester:

     

    ...and good luck :thumbs:

  21. More pics of my Arsenal

    in Off-Topic/General

    Posted

    Damn, you really got bit! How is that Springfield as far as takedown compared to the Sig. Is it pretty easy without any tools? I'm looking to get one, but in 9mm.

     

    First thing - NICE collection Holty! :cheers:

     

    Second - r8rs4lf I have the XD in 9mm, and I love it. Take down is real easy, pull & flip a lever and your done. For the price it shoots great and . Mine fits nicely in the SS center consol :wtf:

     

    Like I said above,

    I love my XD 9

    For the price it shoots great

    ammo is cheap

    and it fits nicely in the SS center consol

    the mags have the extension on each of them (sub-comp)

  23. More pics of my Arsenal

    in Off-Topic/General

    Posted

    Damn, you really got bit! How is that Springfield as far as takedown compared to the Sig. Is it pretty easy without any tools? I'm looking to get one, but in 9mm.

     

    First thing - NICE collection Holty! :cheers:

     

    Second - r8rs4lf I have the XD in 9mm, and I love it. Take down is real easy, pull & flip a lever and your done. For the price it shoots great and ammo is cheap. Mine fits nicely in the SS center consol :wtf:

  25. Dodge trouble- Let the Mod'ing begin

    in General SS

    Posted

    Stick to the basic recipie -

     

    CAI - Outlaw - Where did you get it?

    Straight pipe catback (Corsa, Magnaflow, or GMPP)-

    Shift kit & servos- Kinda up in the air on cracking the tranny open @2k miles

    Trailblazer TC - See above :)

    PCM TUNE! - just spoke to Frank about getting me HPtuner software & a email tune (wanna check out tuning software)

     

    If you've got some extra cash beyond that my personal suggestion would be a good set of headers, Are there any of these true bolt on w/ good fit (no hammer to clearence firewall)?

     

    installing headers will require a retune to take maximum advantage. - Thats one of the reasons I want to get the HPtuner software, good idea?

     

    Mr. P.

     

     

    Thanks Mr P , I know you guys can help me get up to speed on this ....No pun intended

     

    Any comments on the headers? not looking to weld or hammer for clearances. I am willing to buy a y pipe(cats or not),muffler, or true dual setup. BUT I dont have a welder and would rather use a bolt up system.

     

    Thanks

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