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Author Topic: >* The New Locker Room *<  (Read 829878 times)

Luv2Hurt

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Re: *****The New Locker Room*****
« Reply #2625 on: December 21, 2008, 05:08:47 PM »
Quote from: Rimbaud on December 21, 2008, 03:14:02 PM
It is but it was a long cold walk to & from...  :'(

...& then the casino took my money.  :'(

 ;D  A few drinks at the game aye. LOL
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Big Rock.

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Re: *****The New Locker Room*****
« Reply #2626 on: December 22, 2008, 07:27:37 AM »
Quote from: Rimbaud on December 21, 2008, 07:49:51 AM
Well, I'm off to hopefully go see the Lions go 0-15...I'll have a beer for you guys.  ;D

  Man, that game must have been depressing. Did you stay for the whole thing ?

  I feel your pain, I'm a St.Louis fan...  :'(
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Rimbaud

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Re: *****The New Locker Room*****
« Reply #2627 on: December 22, 2008, 08:08:19 AM »
Quote from: Big Rock. on December 22, 2008, 07:27:37 AM
  Man, that game must have been depressing. Did you stay for the whole thing ?

  I feel your pain, I'm a St.Louis fan...  :'(

The whole thing was a train wreck. We stayed until about half way through the 4th.
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Rimbaud

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Re: *****The New Locker Room*****
« Reply #2628 on: December 22, 2008, 08:10:53 AM »
Quote from: Luv2Hurt on December 21, 2008, 05:08:47 PM
;D  A few drinks at the game aye. LOL

Had a couple beers...a pretzel & some roasted almonds...man, those things are like crack.  ;D
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Big Rock.

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Re: *****The New Locker Room*****
« Reply #2629 on: December 22, 2008, 11:00:21 AM »
Quote from: Rimbaud on December 22, 2008, 08:10:53 AM
Had a couple beers...a pretzel & some roasted almonds...man, those things are like crack.  ;D


   Amen to that.
  I buy the roasted almonds from Costco (Kirkland) and I can sit in front of the idiot box and damn near polish off the whole thing if I'm not carefull.
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Arnold jr

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Re: *****The New Locker Room*****
« Reply #2630 on: December 22, 2008, 01:50:28 PM »
Any of you guys tried to get a home loan in the past few months? Success, failure?

I'm in the process of looking, time to make a move IMO...definitely a buyers market. Plus it's just time, need to own.

Anyway, point of all this, my credit is not perfect, I'd call it medium....I'm in the low 600's. I don't have any delinquent accounts or anything like that, I do have some credit cards that if I pay them down to below 40% of the credit limit it should jump my score up a bit...at least that's my understanding.

What do you guys think? Impossible to get a home loan right now unless your credit is perfect? Any thoughts?
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Arnold jr

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Re: *****The New Locker Room*****
« Reply #2631 on: December 22, 2008, 01:56:48 PM »
If you guys would weigh in on this I'd appreciate it. If you are registered over there then by all means post your answer there.

http://www.probodybuilding.com/forums/lounge/153-motivation.html#post1125
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Rimbaud

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Re: *****The New Locker Room*****
« Reply #2632 on: December 22, 2008, 03:24:37 PM »
Quote from: Arnold jr on December 22, 2008, 01:50:28 PM
Any of you guys tried to get a home loan in the past few months? Success, failure?

I'm in the process of looking, time to make a move IMO...definitely a buyers market. Plus it's just time, need to own.

Anyway, point of all this, my credit is not perfect, I'd call it medium....I'm in the low 600's. I don't have any delinquent accounts or anything like that, I do have some credit cards that if I pay them down to below 40% of the credit limit it should jump my score up a bit...at least that's my understanding.

What do you guys think? Impossible to get a home loan right now unless your credit is perfect? Any thoughts?

I don't think it's impossible. But with a credit score in the 600's you'll need a chunk of money to put down.
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iron_dawg

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Re: *****The New Locker Room*****
« Reply #2633 on: December 22, 2008, 03:48:35 PM »
Quote from: Arnold jr on December 22, 2008, 01:50:28 PM
Any of you guys tried to get a home loan in the past few months? Success, failure?

I'm in the process of looking, time to make a move IMO...definitely a buyers market. Plus it's just time, need to own.

Anyway, point of all this, my credit is not perfect, I'd call it medium....I'm in the low 600's. I don't have any delinquent accounts or anything like that, I do have some credit cards that if I pay them down to below 40% of the credit limit it should jump my score up a bit...at least that's my understanding.

What do you guys think? Impossible to get a home loan right now unless your credit is perfect? Any thoughts?
my bro just bought a home he has no credit really got the seller to pay closing costs...but wasn't real flexible on negotiating the price of the home.
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abc123

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Re: *****The New Locker Room*****
« Reply #2634 on: December 22, 2008, 05:05:48 PM »
Quote from: Arnold jr on December 22, 2008, 01:50:28 PM
Any of you guys tried to get a home loan in the past few months? Success, failure?

I'm in the process of looking, time to make a move IMO...definitely a buyers market. Plus it's just time, need to own.

Anyway, point of all this, my credit is not perfect, I'd call it medium....I'm in the low 600's. I don't have any delinquent accounts or anything like that, I do have some credit cards that if I pay them down to below 40% of the credit limit it should jump my score up a bit...at least that's my understanding.

What do you guys think? Impossible to get a home loan right now unless your credit is perfect? Any thoughts?


Yes.  It's not easy even with excellent credit.  Here in Florida the average downpayment expected by the bank is 35%.
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Luv2Hurt

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Re: *****The New Locker Room*****
« Reply #2635 on: December 22, 2008, 05:31:51 PM »
Yes very tuff time to buy.  If you are self Employed? I would even think it may be harder.

If you show a good income and a good history of paying your bills on time this goes a long way.

Good luck Bro, hope it works out.
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Arnold jr

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Re: *****The New Locker Room*****
« Reply #2636 on: December 22, 2008, 05:58:29 PM »
Quote from: Luv2Hurt on December 22, 2008, 05:31:51 PM
Yes very tuff time to buy.  If you are self Employed? I would even think it may be harder.

If you show a good income and a good history of paying your bills on time this goes a long way.

Good luck Bro, hope it works out.

About 2 years ago I decided to buy my first home but at the time it looked like I was going to be moving to either NY or TX so I held off. Point being, being self-employed made things a lot tougher when it came to the loan. Now with the wonderful world of credit being that much more strict, I'm wondering if it's even going to be possible at this time. We'll see.
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Migs

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Re: *****The New Locker Room*****
« Reply #2637 on: December 22, 2008, 06:33:13 PM »
Quote from: Arnold jr on December 22, 2008, 01:50:28 PM
Any of you guys tried to get a home loan in the past few months? Success, failure?

I'm in the process of looking, time to make a move IMO...definitely a buyers market. Plus it's just time, need to own.

Anyway, point of all this, my credit is not perfect, I'd call it medium....I'm in the low 600's. I don't have any delinquent accounts or anything like that, I do have some credit cards that if I pay them down to below 40% of the credit limit it should jump my score up a bit...at least that's my understanding.

What do you guys think? Impossible to get a home loan right now unless your credit is perfect? Any thoughts?

Try going FHA if possible.  Most of the clients I have generally go FHA, the lending restrictiosn have loosened up some.  Also a good mortgage broker or lender can tell you what you may need to settle or not worry about paying.  Big thing is to pay down as much of your debt and try not to accrue any more or open any new lines of credit as this can throw your ratios off.  I lost a lot of clients due to the collapse of sub prime.  Now it's hard to find any one to show houses too.  Off the last 50 houses i've shown, I would say 40 have been foreclosures.  Also, if you are looking REO, Foreclosure the price is generally not very negotiable.  Your best bet is to see if they will cover closing costs (especially since they generally already have a title search done and use their own resources) as well as lobby for a good home warranty.  Especially one that covers roofing, etc.  Obviously get a home inspection. 
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iron_dawg

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Re: *****The New Locker Room*****
« Reply #2638 on: December 23, 2008, 02:44:50 PM »
came down with a freakin virus and I am ill as can be...I was training and eating like a mad dawg...was
getting ready to start my "supps" after the new year and was up to 260 I don't even want to jump on the scale as my throat has been killing me and can't eat much but soup and protein shakes which sounds gross.  I will fight it though.
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Luv2Hurt

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Re: *****The New Locker Room*****
« Reply #2639 on: December 23, 2008, 03:36:59 PM »
Quote from: iron_dawg on December 23, 2008, 02:44:50 PM
came down with a freakin virus and I am ill as can be...I was training and eating like a mad dawg...was
getting ready to start my "supps" after the new year and was up to 260 I don't even want to jump on the scale as my throat has been killing me and can't eat much but soup and protein shakes which sounds gross.  I will fight it though.

Hang in there dawg!
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One

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Re: *****The New Locker Room*****
« Reply #2640 on: December 24, 2008, 03:07:58 AM »
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iron_dawg

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Re: *****The New Locker Room*****
« Reply #2641 on: December 24, 2008, 02:37:32 PM »
Merry X-mas to all Dawg is feeling better and is going to eat and eat so I can get back to it...
everyone be safe and thankful for what we have as others are not as lucky as most of us.
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Big Rock.

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Re: *****The New Locker Room*****
« Reply #2642 on: December 24, 2008, 11:15:33 PM »
Glad your feeling better Dawg.

  Merry Christmas Get Biggers.

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Rimbaud

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Re: *****The New Locker Room*****
« Reply #2643 on: December 25, 2008, 03:10:30 AM »
Happy Christmas!
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busyB

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Re: *****The New Locker Room*****
« Reply #2644 on: December 30, 2008, 06:13:43 PM »
Being the eve of New Years Eve and not knowing if I will be back tomorrow or the next day......



HAPPY F'in NEW YEAR BROTHERS!!!!!  8)
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ripitupbaby

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Re: *****The New Locker Room*****
« Reply #2645 on: December 30, 2008, 06:30:27 PM »
Happy New Year Guys!

Arnold it was great to hang out with you over the holiday!   8)

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Arnold jr

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Re: *****The New Locker Room*****
« Reply #2646 on: December 30, 2008, 07:00:03 PM »
Quote from: ripitupbaby on December 30, 2008, 06:30:27 PM
Happy New Year Guys!

Arnold it was great to hang out with you over the holiday!   8)



The pleasure was all mine. You guys are good people no doubt  :)
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Arnold jr

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Re: *****The New Locker Room*****
« Reply #2647 on: December 31, 2008, 12:18:05 PM »
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Rimbaud

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Re: *****The New Locker Room*****
« Reply #2648 on: December 31, 2008, 01:09:38 PM »
Well guys, it was the last workout of 2008.  :'( Did Biceps, Shoulders, & Details.
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Rimbaud

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Re: *****The New Locker Room*****
« Reply #2649 on: December 31, 2008, 06:01:56 PM »
Well...last post of the year...Happy New Year!
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