🤬Bitch Bitch thread

Evil gator said:
oh yeah that's the worst, someone who used to make your copies telling you how your job you've done for 10 years works.
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also, she's from New York...that alone gets on my nerves...
 
JookJoint said:
the receptionist here just got promoted to be our marketing person because she has an outgoing personality...she's dumb as a bag of hammers and knows literally nothing about mortgages or title insurance...all of the sudden she's an expert and wants to try to tell us how to do our jobs and/or give us suggestions on dealing with clients...this won't end well...I've already told her once this week to leave me alone...the next time I will add expletives...
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Well let me ask you this. We're ten years into a thirty-year fixed rate mortgage at 4.25%. Should we refinance into a 15-year mortgage at a lower rate? We have excellent credit, rates are as low as 1.75% but we would rather go with a known player and pay 2% or 2.25% versus some fly-by-night bank we never heard of.
 
DocZaius said:
JookJoint said:
the receptionist here just got promoted to be our marketing person because she has an outgoing personality...she's dumb as a bag of hammers and knows literally nothing about mortgages or title insurance...all of the sudden she's an expert and wants to try to tell us how to do our jobs and/or give us suggestions on dealing with clients...this won't end well...I've already told her once this week to leave me alone...the next time I will add expletives...
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Well let me ask you this. We're ten years into a thirty-year fixed rate mortgage at 4.25%. Should we refinance into a 15-year mortgage at a lower rate? We have excellent credit, rates are as low as 1.75% but we would rather go with a known player and pay 2% or 2.25% versus some fly-by-night bank we never heard of.
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Are you looking to pay it off faster or lower your payments/interest? There's no "right" answer, unfortunately. Personally, I would refi at the lower rate and with a reputable company...I would want as little of my payment to go to the lender in the form of interest...then again, I'm on the title insurance side of the business and not really a mortgage expert...
 
JookJoint said:
DocZaius said:
JookJoint said:
the receptionist here just got promoted to be our marketing person because she has an outgoing personality...she's dumb as a bag of hammers and knows literally nothing about mortgages or title insurance...all of the sudden she's an expert and wants to try to tell us how to do our jobs and/or give us suggestions on dealing with clients...this won't end well...I've already told her once this week to leave me alone...the next time I will add expletives...
Click to expand...

Well let me ask you this. We're ten years into a thirty-year fixed rate mortgage at 4.25%. Should we refinance into a 15-year mortgage at a lower rate? We have excellent credit, rates are as low as 1.75% but we would rather go with a known player and pay 2% or 2.25% versus some fly-by-night bank we never heard of.
Click to expand...

Are you looking to pay it off faster or lower your payments/interest? There's no "right" answer, unfortunately. Personally, I would refi at the lower rate and with a reputable company...I would want as little of my payment to go to the lender in the form of interest...then again, I'm on the title insurance side of the business and not really a mortgage expert...
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Is home title theft really the most common crime of the century now, like the radio tells me, or is it all bullshit?
 
DocZaius said:
JookJoint said:
the receptionist here just got promoted to be our marketing person because she has an outgoing personality...she's dumb as a bag of hammers and knows literally nothing about mortgages or title insurance...all of the sudden she's an expert and wants to try to tell us how to do our jobs and/or give us suggestions on dealing with clients...this won't end well...I've already told her once this week to leave me alone...the next time I will add expletives...
Click to expand...

Well let me ask you this. We're ten years into a thirty-year fixed rate mortgage at 4.25%. Should we refinance into a 15-year mortgage at a lower rate? We have excellent credit, rates are as low as 1.75% but we would rather go with a known player and pay 2% or 2.25% versus some fly-by-night bank we never heard of.
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Do the math, if you are likely to stay in the house for longer than it'll take you to recoup the fee's for refinancing then do it. With half the interest rate, it's probably a pretty good deal.
 
The only three things I consider myself an expert on...sailing. mortgages, and diving.

Doubt you find 1.75% without a bunch of points. 52 is correct. If costs are 5000 and you save 200 in interest (not payment) each month, 5000 divided by 200 is 25 months to break even. The only thing this doesn't factor in is income tax. The lower interest rate will decrease your itemized deductions so income taxes would be slightly higher.
 
pg. said:
The only three things I consider myself an expert on...sailing. mortgages, and diving.

Doubt you find 1.75% without a bunch of points. 52 is correct. If costs are 5000 and you save 200 in interest (not payment) each month, 5000 divided by 200 is 25 months to break even. The only thing this doesn't factor in is income tax. The lower interest rate will decrease your itemized deductions so income taxes would be slightly higher.
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Yeah I think that’s why I was advised to simply increase my payments to pay off principal sooner
 
Good advice, [mention]pg.[/mention] I wouldn't have even thought of the income tax angle. I'll have to check with my tax preparer (my wife).
 
our owner is at it again...she was exposed to Covid on Friday, comes to work on Monday coughing and hoarse (claiming it was a reaction to a woman's perfume she was exposed to at a restaurant over the weekend), was at home bedridden yesterday and is at work today coughing and carrying on...she claims she's not contagious because she hasn't had a fever...
 
JookJoint said:
our owner is at it again...she was exposed to Covid on Friday, comes to work on Monday coughing and hoarse (claiming it was a reaction to a woman's perfume she was exposed to at a restaurant over the weekend), was at home bedridden yesterday and is at work today coughing and carrying on...she claims she's not contagious because she hasn't had a fever...
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If she becomes one with the universe, who takes over the company?
 
Gatorbreeze said:
JookJoint said:
our owner is at it again...she was exposed to Covid on Friday, comes to work on Monday coughing and hoarse (claiming it was a reaction to a woman's perfume she was exposed to at a restaurant over the weekend), was at home bedridden yesterday and is at work today coughing and carrying on...she claims she's not contagious because she hasn't had a fever...
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If she becomes one with the universe, who takes over the company?
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the President of the company...
 
JookJoint said:
Gatorbreeze said:
JookJoint said:
our owner is at it again...she was exposed to Covid on Friday, comes to work on Monday coughing and hoarse (claiming it was a reaction to a woman's perfume she was exposed to at a restaurant over the weekend), was at home bedridden yesterday and is at work today coughing and carrying on...she claims she's not contagious because she hasn't had a fever...
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If she becomes one with the universe, who takes over the company?
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the President of the company...
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Who was the receptionist last week.
 
there are only 8 employees (including the owner) and we have all gone to the President to tell her to ask that the owner go home...the owner is being a selfish twat about the whole thing and not listening...
 
Question, jooks awful company aside: should we still be shutting stuff down due to Covid outbreaks? Shouldn’t we keep on operating since everyone has had ample chance to get vaxxed?
 
Evil gator said:
Question, jooks awful company aside: should we still be shutting stuff down due to Covid outbreaks? Shouldn’t we keep on operating since everyone has had ample chance to get vaxxed?
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Yes forget closures, hang a no lifeguard on duty sign up everywhere and get back to living
 
I'm selling something through FB and the woman coming to buy it is a Reiki Practioner.

These people...just wow. F'n nutjobs to think they can send their energy/vibes to someone and cure their pain, cancer, etc. :megafacepalm:
 
Juggs said:
I'm selling something through FB and the woman coming to buy it is a Reiki Practioner.

These people...just wow. F'n nutjobs to think they can send their energy/vibes to someone and cure their pain, cancer, etc. :megafacepalm:
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If she's cute, ask her to lay hands on you.
 
DocZaius said:
Juggs said:
I'm selling something through FB and the woman coming to buy it is a Reiki Practioner.

These people...just wow. F'n nutjobs to think they can send their energy/vibes to someone and cure their pain, cancer, etc. :megafacepalm:
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If she's cute, ask her to lay hands on you.
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She's not. In her 40s but looks in her 50s because tanning all her life was not her friend :lol:
 
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