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Old 02-21-2013, 03:06 PM   #52326
Booker Wolfbox
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Re: SE FAQ, Liveblog and ... wat?

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Originally Posted by CalledDownLight View Post
seems like everything is set for closing tomorrow.

I sent him a follow up to tell him who had helped me today and let him know the issue seems to be resolved. I did make the mistake of forgetting that we were on a first name basis as he had signed the previous email "Brian" and I addressed him as Mr. Moynihan again. He replied in no more than 30 seconds saying "[name]. Glad it worked through. Brian"

Definitely earned my respect.
Brian showing all kinds of WIM.

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Old 02-21-2013, 03:09 PM   #52327
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Re: SE FAQ, Liveblog and ... wat?

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i hope you made a te'o reference in that letter along the lines of saying his girlfriend was more helpful than the people you were dealing with
shouldve come here first for this elite advice. sadly i kept it simple and said that X, Y, and Z (original home loan specialist) were helpful and that below is the confirmation from X that the closing will proceed as expected tomorrow.
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Old 02-21-2013, 03:19 PM   #52328
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Re: SE FAQ, Liveblog and ... wat?

Closing on a home is stressful enough. LOL @ the mortgage company dragging its feet and having you miss a close. I don't see a problem with going to higher-ups here. Especially if you feel you are a good customer with plenty of options. They aren't doing you a favor here. This is their ****ing business. Lending money and making money off it. They are supposed to have their **** together.

How much BAC stock do you own? I'm guessing a large % of people with any kind of retirement account own some BAC stock.
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Old 02-21-2013, 03:25 PM   #52329
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Re: SE FAQ, Liveblog and ... wat?

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Karak,

Juventus was the champion of Italy iirc when they were stripped of their title and sent to the second division because of match fixing.

http://www.wikipedia.org/wiki/2006_I...otball_scandal
Hm. That's interesting, but I was more thinking along the lines of a team that just barely falls to relegation and then is really good the next year, but can't compete for the championship yet.

Like imagine if the Nationals had fallen to tier 3 status and only were back up to tier 2 by last year... despite being one of the best teams in MLB, they couldn't compete for WS?

Not really a criticism, just something I've always wondered about. Maybe the rookie/talent system in soccer is so much different that a team going from mediocre to elite in a year's time doesn't happen often.

How do hardcore fans of teams take it when their teams slip to tier 2 or tier 3 status? What if a team is stuck there for decades? At least in US sports you can go in with the slim hope that things will all "click" this year and they'll rocket into competition (see: Pirates of last year) with a fighting chance. Starting the year with absolute 0% chance seems depressing.
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Old 02-21-2013, 03:31 PM   #52330
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Re: SE FAQ, Liveblog and ... wat?

would never happen since to improve from last place to title contender you need to add really good players, and really good players dont sign with teams in the second division
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Old 02-21-2013, 03:32 PM   #52331
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Re: SE FAQ, Liveblog and ... wat?

BAC had a 115% stock performance in 2012 and CDL is really ****ing smart so I think that has a lot more to do with his decision to invest with them than retirement, imo.
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Old 02-21-2013, 03:55 PM   #52332
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Re: SE FAQ, Liveblog and ... wat?

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Hm. That's interesting, but I was more thinking along the lines of a team that just barely falls to relegation and then is really good the next year, but can't compete for the championship yet.
Doesn't happen for a number of reasons.

First, you've got to be pretty terrible to get relegated, bottom 3 in a 20 team league. Second, any decent players you have are going to want to leave, in fact some players have it written into their contract that if their team gets relegated they are released. Third, relegated teams are cut off from huge premier league TV revenue but are still paying premier league level wages, so economics almost always dictate that they sell off their better players. Fourth, rookies don't make nearly the same impact in soccer as they do in american sports, so an exceptional group of young players aren't going to make you a PL title contender, and anyway if you just got relegated they probably all want to leave.

RE: fans getting depressed over having 0% next year, remember that they can still compete in the cup competitions. Bradford City, who currently occupy 11th place in the fourth tier of english football (so the equivalent of a mediocre A ball team), will face premier league Swansea City in the League Cup final this weekend! The relegated team must also fight for promotion in their new league of course. There's plenty going on.

Relegation sucks ofc, but its not total disaster. A team (such as mine, Wigan) who is almost always an underdog in their premier league matches would, if relegated, become one of the best teams in their new division, and a favourite to win the league in the next year, which might be a fun experience after being underdogs for so long (but ill still cut myself and others if we go down).
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Old 02-21-2013, 03:58 PM   #52333
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Re: SE FAQ, Liveblog and ... wat?

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Originally Posted by A-Rod's Cousin View Post
Closing on a home is stressful enough. LOL @ the mortgage company dragging its feet and having you miss a close. I don't see a problem with going to higher-ups here. Especially if you feel you are a good customer with plenty of options. They aren't doing you a favor here. This is their ****ing business. Lending money and making money off it. They are supposed to have their **** together.

How much BAC stock do you own? I'm guessing a large % of people with any kind of retirement account own some BAC stock.
very little $ wise bc I'm only 25 and was never a poker baller and just emptied most of my investment account for the down payment, but its my largest position (actually 2nd right now as Express has performed better today and they are my top 2 holdings). I also work as a trader and have been very bullish on the sector for about a year and a half and this is my favorite name on the sector, but I cant disclose any information relating to whether or not we hold it or have held it as a firm.

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BAC had a 115% stock performance in 2012 and CDL is really ****ing smart so I think that has a lot more to do with his decision to invest with them than retirement, imo.
yea, i sold a lot of puts and bought even more calls when it was in the 5s in oct/nov/dec of 2011 and got long a little stock. made me more money than any stock other than coke last year (got a 13x multiple on some calls there with lucky timing).
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Old 02-21-2013, 04:19 PM   #52334
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Re: SE FAQ, Liveblog and ... wat?

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Originally Posted by BAIDS View Post
Doesn't happen for a number of reasons.

First, you've got to be pretty terrible to get relegated, bottom 3 in a 20 team league. Second, any decent players you have are going to want to leave, in fact some players have it written into their contract that if their team gets relegated they are released. Third, relegated teams are cut off from huge premier league TV revenue but are still paying premier league level wages, so economics almost always dictate that they sell off their better players. Fourth, rookies don't make nearly the same impact in soccer as they do in american sports, so an exceptional group of young players aren't going to make you a PL title contender, and anyway if you just got relegated they probably all want to leave.

RE: fans getting depressed over having 0% next year, remember that they can still compete in the cup competitions. Bradford City, who currently occupy 11th place in the fourth tier of english football (so the equivalent of a mediocre A ball team), will face premier league Swansea City in the League Cup final this weekend! The relegated team must also fight for promotion in their new league of course. There's plenty going on.

Relegation sucks ofc, but its not total disaster. A team (such as mine, Wigan) who is almost always an underdog in their premier league matches would, if relegated, become one of the best teams in their new division, and a favourite to win the league in the next year, which might be a fun experience after being underdogs for so long (but ill still cut myself and others if we go down).
Makes sense. Thanks for the thoughtful reply. I obviously don't know much about soccer player development, but it seems much different from any American sports. So many teams and leagues and such a huge talent pool.
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Old 02-21-2013, 04:34 PM   #52335
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Re: SE FAQ, Liveblog and ... wat?

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BAC had a 115% stock performance in 2012 and CDL is really ****ing smart so I think that has a lot more to do with his decision to invest with them than retirement, imo.
Cool story. I'm just saying that whole "as a BAC shareholder" probably doesn't carry any weight with that guy since every Tom, Dick, and Harry can call themselves a BAC stock owner buried in some index fund in their 401(k). There are probably millions of people in America who own BAC stock passively, even if they aren't even aware of it.

I think trying to buy a mortgage through them carries a lot more weight here.
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Old 02-21-2013, 04:47 PM   #52336
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Re: SE FAQ, Liveblog and ... wat?

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i find it hard to believe there are any joe rogan forum posters that wouldnt deserve to be in the kunt farm.
Yeah the vast majority or that forum sucks (though i do enjoy the lack of censorship and the added porn element) the few posters worth reading usually post in the bin anyway. I like Joe too, even though he says some ridiculously stupid stuff (see the Alex Honnold podcast for some interesting insights into evolution) he's great at keeping a conversation together and a good podcast host.

Also Alex Honnold scares me. (skip to 0.50)

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Old 02-21-2013, 04:47 PM   #52337
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Re: SE FAQ, Liveblog and ... wat?

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Cool story. I'm just saying that whole "as a BAC shareholder" probably doesn't carry any weight with that guy since every Tom, Dick, and Harry can call themselves a BAC stock owner buried in some index fund in their 401(k). There are probably millions of people in America who own BAC stock passively, even if they aren't even aware of it.

I think trying to buy a mortgage through them carries a lot more weight here.
sure. I made it pretty clear that I was familiar with the banking model and worked in the industry though. I also used full sentences with punctuation which probably didnt hurt (and capitalization and apostrophes). so while he isnt concerned with me selling my stock and moving the market or anything he at least knows I'm not calling his people worthless with no basis as I am sure a lot of people get declined and blame the bank. My point was that they were literally ready to hold up my loan over a typo from the HOA that they didnt catch in the previous 2 weeks they had the form. i doubt he read more than 5 sentences of what I wrote, but the people I talked to today asked about specific details so they definitely did.

the problem that was holding back the people checking boxes related to my HOA fee being stated as 2xxyy.00/month instead of 2xx.yy/month on the form that the bank and HOA put together jointly starting 2 weeks ago. Clearly I am not baller or stupid enough to attempt to buy a place with an HOA fee that exceeds the total value of the condo in less than a year and such places don't even exist. They would also not take the seller's receipts and invoices of recent and upcoming payments as evidence because it wasn't on "the Bank of America form." Clearly this is a decent rule of thumb as it speeds the process up, but some allowance for common sense seemed like it was due. Once I spoke to a few people higher up today and explained the discrepancy they approved me despite the fact that the computer system apparently wouldn't allow the loan to get processed if you trust everyone I spoke to prior to today.
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Old 02-21-2013, 05:02 PM   #52338
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Re: SE FAQ, Liveblog and ... wat?

A typo from the HOA. Those people are ****ing worthless. Sucks that almost all new developments have them.
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Old 02-21-2013, 05:12 PM   #52339
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Re: SE FAQ, Liveblog and ... wat?

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A typo from the HOA. Those people are ****ing worthless. Sucks that almost all new developments have them.
yea. If the bank addressed the problem 2 weeks in advance when I saw the form they had and said that it looks like there is a typo on line whatever instead of saying its ok, we'll review it and then coming back 48 hours til closing saying they need a new one everything would have been ok though.
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Old 02-21-2013, 05:49 PM   #52340
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Re: SE FAQ, Liveblog and ... wat?

why do euros even need soccer when they could just have this

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Old 02-21-2013, 05:56 PM   #52341
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Re: SE FAQ, Liveblog and ... wat?

0:52 GET THE CHEESE
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Old 02-21-2013, 06:15 PM   #52342
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Re: SE FAQ, Liveblog and ... wat?

to be fair that looks kind of awesome
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Old 02-21-2013, 06:17 PM   #52343
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Re: SE FAQ, Liveblog and ... wat?

never knew gloucester was so cultured

'world' shin kicking championships 2011
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Old 02-21-2013, 06:28 PM   #52344
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Re: SE FAQ, Liveblog and ... wat?

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why do euros even need soccer when they could just have this

can someone explain this to me? wtf is going on
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Old 02-21-2013, 06:38 PM   #52345
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Re: SE FAQ, Liveblog and ... wat?

Golf clap to Mississippi for finally officially abolishing slavery

http://abcnews.go.com/blogs/headline...3th-amendment/
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Old 02-21-2013, 06:44 PM   #52346
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Re: SE FAQ, Liveblog and ... wat?

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The amendment was adopted in December 1865 after the necessary three-fourths of the then 36 states voted in favor of ratification. Mississippi, however, was a holdout; at the time state lawmakers were upset that they had not been compensated for the value of freed slaves.
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Mississippi ratified the amendment in 1995
Spoiler:
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Old 02-21-2013, 06:46 PM   #52347
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Re: SE FAQ, Liveblog and ... wat?

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can someone explain this to me? wtf is going on
its a medieval pastime I think. rules are simple, beat the cheese down the hill. if you manage it you probably win an earldom or something
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Old 02-21-2013, 06:47 PM   #52348
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Re: SE FAQ, Liveblog and ... wat?

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Golf clap to Mississippi for finally officially abolishing slavery

http://abcnews.go.com/blogs/headline...3th-amendment/
i'll set an over/under on the number of comments a 2p2er can read without closing the article at 6.5.
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Old 02-21-2013, 06:51 PM   #52349
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Re: SE FAQ, Liveblog and ... wat?

Mississippi is old south
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Old 02-21-2013, 08:20 PM   #52350
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Re: SE FAQ, Liveblog and ... wat?

Spoiler:

so good
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