Uhmmm....

HeavyG

JohnInCarolina said:

speed51133 said:

I'm done here. With the forum and all. 

If the past is a guide to the future he'll be back. They always come back.

...cough...lit...cough....

fishlessman

HeavyG said:

fishlessman said:

JRWhitee said:

I didnt see anything about a large penis here!

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

might have something to do with th h-index of 38. its either in mm or cm and or he might blame it on the cold pool water

But is that value diameter or circumference??

never seen a woman measure the diameter or circumference

Legume

HeavyG said:

fishlessman said:

JRWhitee said:

I didnt see anything about a large penis here!

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

might have something to do with th h-index of 38. its either in mm or cm and or he might blame it on the cold pool water

But is that value diameter or circumference??

Tip to tip.

frazzdaddy

Somebody get the raccoons back out.

nolaeggheads_squirel

speed51133 said:

Not once have you stated why I am wrong with my initial statement. My credibility was attacked and I supported it with education. You then attack my education.

I'm done here. With the forum and all. Have fun being a teacher for the rest of your life. Try getting a job and participating in the economy, rather than leeching off of government funding.

You stated in another thread how you were lead plaintiff in a class action lawsuit against a $10. self-coiling garden hose manufacturer.  Is that counted as gainful employment or leeching of another sort?

Since Trump fulfilled his campaign promise to end frivolous lawsuits  (*sarcasm) that may have been some time ago, and people can change, so benefit of doubt to you?

thetrim

JohnInCarolina said:

speed51133 said:

JohnInCarolina said:

speed51133 said:

JohnInCarolina said:

speed51133 said:

fiber_induced_deuce said:

speed51133 said:

JohnInCarolina said:

http://twitter.com/JohnJHarwood/status/1294270279062036480?s=20

Huh.  I wonder what explains this?

how about non-whites without college degrees voting for Biden.....your comparison is totally garbage.

or how about anyone with a college degree and gainfully employed???

Or how about just getting over the fact that not everyone agrees with you?

Simma down Moby. You should totally be a pollster, then you can post the results of your own polls and dispute some of these fly by night pollsters like Pew.

Because Pew was so reliable prior to trump winning...

No idea what PEW presented in their findings and if it included all sorts of other data set results, but the presentation of those two data sets is incredibly flawed and trying to make a conclusion based on the flawed comparison. It is trying to say that only idiots vote for Trump.


I also extensively studied statistics and almost have a minor in math and degree in engineering as well as a JD. I can understand how polls are conducted and presented to show selective results. 

You might be the first person I’ve seen to cite *almost having a minor* in something as a testament of their knowledge.  

I’m just trying to reconcile your statistical prowess with your contention that Pew isn’t reliable based on the 2016 election.

Statistics... how do they work?

IDK, I mean a year of statistics, 4 years of science school calculus (which is substantially harder than the calc BA students take), 4 years of calculus based physics, 3 years of calculus based chemistry, 2 years of statics and dynamics, 1 year of thermodynamics, 2 years of computer programming, 2 years of optimization, and god knows what else I am missing, I think that qualifies me as somewhat of knowledgeable in math. It may be only "almost" a minor in math, but it is a BS in engineering.

My point is that I was essentially told that my knowledge on statistics, which is ALL math and how to compare data sets (which is what your do in essentially every engineering class) DOES in fact qualify me to at least opine of the relevancy of two data sets used to make a conclusion.

ALSO, with respect to PEW, they, along with EVERYONE else, was totally wrong, not even a little wrong, but totally out of the park wrong with all of their predictions and analysis of the data sets used prior to trump winning in 2016.

If you see some flaw in my reasoning, by all means, please state it. But the adhominem attacks... please just shut it....

I’m just curious, but what is your engineering degree and where is it from?  

As to the substance of your point, Pew’s last national poll in 2016 had Clinton up 46 to 40 over Trump.  The popular vote ended up being 48 to 46, so... yeah.  Way off, obviously.  Like not even in the same ballpark, just like you said...

But then I am only a professor of engineering with a secondary appointment in mathematics, so I’ll defer to your expertise here. 

I’m just curious, but what is your engineering degree and where is it from?  

I have a BS in Mechanical Engineering and Materials Science from the University of New Hampshire.  I have an MS and PhD in Theoretical and Applied Mechanics from Northwestern.  

I have over 14 thousand citations to my research works and an h-index of 38.  My Google scholar page is here:

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

Your turn.

And yet you still fail to  hold down a "real job"

thetrim

nolaeggheads_squirel said:

speed51133 said:

Not once have you stated why I am wrong with my initial statement. My credibility was attacked and I supported it with education. You then attack my education.

I'm done here. With the forum and all. Have fun being a teacher for the rest of your life. Try getting a job and participating in the economy, rather than leeching off of government funding.

You stated in another thread how you were lead plaintiff in a class action lawsuit against a $10. self-coiling garden hose manufacturer.  Is that counted as gainful employment or leeching of another sort?

Since Trump fulfilled his campaign promise to end frivolous lawsuits  (*sarcasm) that may have been some time ago, and people can change, so benefit of doubt to you?

Maybe he can help us out when we all get cancer from fiberglass ingestion and have to take on @rrp and his fiberglass gaskets????

JohnInCarolina

thetrim said:

JohnInCarolina said:

speed51133 said:

JohnInCarolina said:

speed51133 said:

JohnInCarolina said:

speed51133 said:

fiber_induced_deuce said:

speed51133 said:

JohnInCarolina said:

http://twitter.com/JohnJHarwood/status/1294270279062036480?s=20

Huh.  I wonder what explains this?

how about non-whites without college degrees voting for Biden.....your comparison is totally garbage.

or how about anyone with a college degree and gainfully employed???

Or how about just getting over the fact that not everyone agrees with you?

Simma down Moby. You should totally be a pollster, then you can post the results of your own polls and dispute some of these fly by night pollsters like Pew.

Because Pew was so reliable prior to trump winning...

No idea what PEW presented in their findings and if it included all sorts of other data set results, but the presentation of those two data sets is incredibly flawed and trying to make a conclusion based on the flawed comparison. It is trying to say that only idiots vote for Trump.


I also extensively studied statistics and almost have a minor in math and degree in engineering as well as a JD. I can understand how polls are conducted and presented to show selective results. 

You might be the first person I’ve seen to cite *almost having a minor* in something as a testament of their knowledge.  

I’m just trying to reconcile your statistical prowess with your contention that Pew isn’t reliable based on the 2016 election.

Statistics... how do they work?

IDK, I mean a year of statistics, 4 years of science school calculus (which is substantially harder than the calc BA students take), 4 years of calculus based physics, 3 years of calculus based chemistry, 2 years of statics and dynamics, 1 year of thermodynamics, 2 years of computer programming, 2 years of optimization, and god knows what else I am missing, I think that qualifies me as somewhat of knowledgeable in math. It may be only "almost" a minor in math, but it is a BS in engineering.

My point is that I was essentially told that my knowledge on statistics, which is ALL math and how to compare data sets (which is what your do in essentially every engineering class) DOES in fact qualify me to at least opine of the relevancy of two data sets used to make a conclusion.

ALSO, with respect to PEW, they, along with EVERYONE else, was totally wrong, not even a little wrong, but totally out of the park wrong with all of their predictions and analysis of the data sets used prior to trump winning in 2016.

If you see some flaw in my reasoning, by all means, please state it. But the adhominem attacks... please just shut it....

I’m just curious, but what is your engineering degree and where is it from?  

As to the substance of your point, Pew’s last national poll in 2016 had Clinton up 46 to 40 over Trump.  The popular vote ended up being 48 to 46, so... yeah.  Way off, obviously.  Like not even in the same ballpark, just like you said...

But then I am only a professor of engineering with a secondary appointment in mathematics, so I’ll defer to your expertise here. 

I’m just curious, but what is your engineering degree and where is it from?  

I have a BS in Mechanical Engineering and Materials Science from the University of New Hampshire.  I have an MS and PhD in Theoretical and Applied Mechanics from Northwestern.  

I have over 14 thousand citations to my research works and an h-index of 38.  My Google scholar page is here:

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

Your turn.

And yet you still fail to  hold down a "real job"

If you can explain to me why being a professor at a place like Duke doesn't constitute a "real job", I'm all ears.  But I suspect this view of yours has about as much depth as the one where Obama and Biden are anti-semites. 

thetrim

JohnInCarolina said:

thetrim said:

JohnInCarolina said:

speed51133 said:

JohnInCarolina said:

speed51133 said:

JohnInCarolina said:

speed51133 said:

fiber_induced_deuce said:

speed51133 said:

JohnInCarolina said:

http://twitter.com/JohnJHarwood/status/1294270279062036480?s=20

Huh.  I wonder what explains this?

how about non-whites without college degrees voting for Biden.....your comparison is totally garbage.

or how about anyone with a college degree and gainfully employed???

Or how about just getting over the fact that not everyone agrees with you?

Simma down Moby. You should totally be a pollster, then you can post the results of your own polls and dispute some of these fly by night pollsters like Pew.

Because Pew was so reliable prior to trump winning...

No idea what PEW presented in their findings and if it included all sorts of other data set results, but the presentation of those two data sets is incredibly flawed and trying to make a conclusion based on the flawed comparison. It is trying to say that only idiots vote for Trump.


I also extensively studied statistics and almost have a minor in math and degree in engineering as well as a JD. I can understand how polls are conducted and presented to show selective results. 

You might be the first person I’ve seen to cite *almost having a minor* in something as a testament of their knowledge.  

I’m just trying to reconcile your statistical prowess with your contention that Pew isn’t reliable based on the 2016 election.

Statistics... how do they work?

IDK, I mean a year of statistics, 4 years of science school calculus (which is substantially harder than the calc BA students take), 4 years of calculus based physics, 3 years of calculus based chemistry, 2 years of statics and dynamics, 1 year of thermodynamics, 2 years of computer programming, 2 years of optimization, and god knows what else I am missing, I think that qualifies me as somewhat of knowledgeable in math. It may be only "almost" a minor in math, but it is a BS in engineering.

My point is that I was essentially told that my knowledge on statistics, which is ALL math and how to compare data sets (which is what your do in essentially every engineering class) DOES in fact qualify me to at least opine of the relevancy of two data sets used to make a conclusion.

ALSO, with respect to PEW, they, along with EVERYONE else, was totally wrong, not even a little wrong, but totally out of the park wrong with all of their predictions and analysis of the data sets used prior to trump winning in 2016.

If you see some flaw in my reasoning, by all means, please state it. But the adhominem attacks... please just shut it....

I’m just curious, but what is your engineering degree and where is it from?  

As to the substance of your point, Pew’s last national poll in 2016 had Clinton up 46 to 40 over Trump.  The popular vote ended up being 48 to 46, so... yeah.  Way off, obviously.  Like not even in the same ballpark, just like you said...

But then I am only a professor of engineering with a secondary appointment in mathematics, so I’ll defer to your expertise here. 

I’m just curious, but what is your engineering degree and where is it from?  

I have a BS in Mechanical Engineering and Materials Science from the University of New Hampshire.  I have an MS and PhD in Theoretical and Applied Mechanics from Northwestern.  

I have over 14 thousand citations to my research works and an h-index of 38.  My Google scholar page is here:

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

Your turn.

And yet you still fail to  hold down a "real job"

If you can explain to me why being a professor at a place like Duke doesn't constitute a "real job", I'm all ears.  But I suspect this view of yours has about as much depth as the one where Obama and Biden are anti-semites. 

So then you're saying it's totally valid? I concur and request an increase in your h index to 39

thetrim

Slick Willie is at it again.  Maybe he'll be the next spokesman for Subway.

https://www.dailymail.co.uk/news/article-8639501/Bill-Clinton-smiles-receiving-neck-massage-Jeffrey-Epstein-victim.html

paqman

what day is it today?

JohnInCarolina

paqman said:

what day is it today?

Tuefriday?

thetrim

Are you setting up a zoom for tonight?

JohnInCarolina

thetrim said:

Are you setting up a zoom for tonight?

Can't.  It's a school night.

thetrim

https://twitter.com/DineshDSouza/status/1295811991144222721?s=20

Tip2Tip

fishlessman said:

HeavyG said:

fishlessman said:

JRWhitee said:

I didnt see anything about a large penis here!

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

might have something to do with th h-index of 38. its either in mm or cm and or he might blame it on the cold pool water

But is that value diameter or circumference??

never seen a woman measure the diameter or circumference

They don't need to.  They just go by if they need one hand or two.  

HeavyG

fishlessman said:

HeavyG said:

fishlessman said:

JRWhitee said:

I didnt see anything about a large penis here!

https://scholar.google.com/citations?hl=en&user=XIihf9EAAAAJ&view_op=list_works&sortby=pubdate

might have something to do with th h-index of 38. its either in mm or cm and or he might blame it on the cold pool water

But is that value diameter or circumference??

never seen a woman measure the diameter or circumference

Guess you're not really packing then.  

Ozzie_Isaac

Lit said:

Legume said:

Money is cheap @Lit, good for sellers because I think many buyers think in terms of monthly payment.

I did mortgages out of college and you are correct when you ask people how much they want to spend usually they have a payment range in mind not a specific value. The problem is rates are so low that its driving up home values but rates cant stay that low forever. As soon as rates (payments) rise the home prices will drop. Also with all the renters not paying rent and no evictions allowed you would think all investors looking to rent it out would be out of the market. Unemployment rate is also scary. I cant figure it out.

Mortgage industry was just thrown for a loop last Thursday.  Government implemented a 0.5% fee on refinances, retroactive.  So all the locked rate/fee tables now have an additional 0.5% fee.  Due to backlog, lenders have 60 day rate locks (some have 90 day).  So they are eating $1,500 on every $300k they are loaning.  Lenders have had to write some very large checks to the government right now.

That has riled markets and will definitely impact rates.

Lit

Ozzie_Isaac said:

Lit said:

Legume said:

Money is cheap @Lit, good for sellers because I think many buyers think in terms of monthly payment.

I did mortgages out of college and you are correct when you ask people how much they want to spend usually they have a payment range in mind not a specific value. The problem is rates are so low that its driving up home values but rates cant stay that low forever. As soon as rates (payments) rise the home prices will drop. Also with all the renters not paying rent and no evictions allowed you would think all investors looking to rent it out would be out of the market. Unemployment rate is also scary. I cant figure it out.

Mortgage industry was just thrown for a loop last Thursday.  Government implemented a 0.5% fee on refinances, retroactive.  So all the locked rate/fee tables now have an additional 0.5% fee.  Due to backlog, lenders have 60 day rate locks (some have 90 day).  So they are eating $1,500 on every $300k they are loaning.  Lenders have had to write some very large checks to the government right now.

That has riled markets and will definitely impact rates.

It used to raise your rate if you wanted to lock it over 30 days

Legume

Wait, so my refi window closed already?

Lit

Legume said:

Wait, so my refi window closed already?

I think people were so busy it was hard to refi anyways. I called and left a message for the LO that did our purchase several times with no response and that is a credit union.

Ozzie_Isaac

Lit said:

Ozzie_Isaac said:

Lit said:

Legume said:

Money is cheap @Lit, good for sellers because I think many buyers think in terms of monthly payment.

I did mortgages out of college and you are correct when you ask people how much they want to spend usually they have a payment range in mind not a specific value. The problem is rates are so low that its driving up home values but rates cant stay that low forever. As soon as rates (payments) rise the home prices will drop. Also with all the renters not paying rent and no evictions allowed you would think all investors looking to rent it out would be out of the market. Unemployment rate is also scary. I cant figure it out.

Mortgage industry was just thrown for a loop last Thursday.  Government implemented a 0.5% fee on refinances, retroactive.  So all the locked rate/fee tables now have an additional 0.5% fee.  Due to backlog, lenders have 60 day rate locks (some have 90 day).  So they are eating $1,500 on every $300k they are loaning.  Lenders have had to write some very large checks to the government right now.

That has riled markets and will definitely impact rates.

It used to raise your rate if you wanted to lock it over 30 days

Problem is backlog.  They are flooded with refis, so they cannot close them in 30 days, hence the longer rate locks.  Not sure on the rate impact, but since it is lender driven, I expect it is not enough to cover a random 0.5% fee implemented with little to no advance warning.

Lit

Ozzie_Isaac said:

Lit said:

Ozzie_Isaac said:

Lit said:

Legume said:

Money is cheap @Lit, good for sellers because I think many buyers think in terms of monthly payment.

I did mortgages out of college and you are correct when you ask people how much they want to spend usually they have a payment range in mind not a specific value. The problem is rates are so low that its driving up home values but rates cant stay that low forever. As soon as rates (payments) rise the home prices will drop. Also with all the renters not paying rent and no evictions allowed you would think all investors looking to rent it out would be out of the market. Unemployment rate is also scary. I cant figure it out.

Mortgage industry was just thrown for a loop last Thursday.  Government implemented a 0.5% fee on refinances, retroactive.  So all the locked rate/fee tables now have an additional 0.5% fee.  Due to backlog, lenders have 60 day rate locks (some have 90 day).  So they are eating $1,500 on every $300k they are loaning.  Lenders have had to write some very large checks to the government right now.

That has riled markets and will definitely impact rates.

It used to raise your rate if you wanted to lock it over 30 days

Problem is backlog.  They are flooded with refis, so they cannot close them in 30 days, hence the longer rate locks.  Not sure on the rate impact, but since it is lender driven, I expect it is not enough to cover a random 0.5% fee implemented with little to no advance warning.

They'll just tack it onto the origination fee which rolls back into the loan so the people won't see it unless they know what they are looking at.

JohnInCarolina

Amazing how one of these threads can turn on a dime from discussions of d!ck measuring to legitimately informed and useful information about home mortgage lending.  

Ozzie_Isaac

Lit said:

Ozzie_Isaac said:

Lit said:

Ozzie_Isaac said:

Lit said:

Legume said:

Money is cheap @Lit, good for sellers because I think many buyers think in terms of monthly payment.

I did mortgages out of college and you are correct when you ask people how much they want to spend usually they have a payment range in mind not a specific value. The problem is rates are so low that its driving up home values but rates cant stay that low forever. As soon as rates (payments) rise the home prices will drop. Also with all the renters not paying rent and no evictions allowed you would think all investors looking to rent it out would be out of the market. Unemployment rate is also scary. I cant figure it out.

Mortgage industry was just thrown for a loop last Thursday.  Government implemented a 0.5% fee on refinances, retroactive.  So all the locked rate/fee tables now have an additional 0.5% fee.  Due to backlog, lenders have 60 day rate locks (some have 90 day).  So they are eating $1,500 on every $300k they are loaning.  Lenders have had to write some very large checks to the government right now.

That has riled markets and will definitely impact rates.

It used to raise your rate if you wanted to lock it over 30 days

Problem is backlog.  They are flooded with refis, so they cannot close them in 30 days, hence the longer rate locks.  Not sure on the rate impact, but since it is lender driven, I expect it is not enough to cover a random 0.5% fee implemented with little to no advance warning.

They'll just tack it onto the origination fee which rolls back into the loan so the people won't see it unless they know what they are looking at.

Absolutely, it will be passed through.  In the meantime, rates have been impacted to try and recoup some of the losses, which are 10s of millions per lender.  Now your refi descision and timeline for payback is impacted because of the higher fees.

One bright spot in the current economy, low mortgage rates, is directly hammered by this "fee".  This is only on refis, but I do not know what keeps them from doing it to new mortgages.

Ozzie_Isaac

JohnInCarolina said:

Amazing how one of these threads can turn on a dime from discussions of d!ck measuring to legitimately informed and useful information about home mortgage lending.  

That is what makes this forum go round.  We are all from different walks of life, who each have a BBQ problem.  Except @HeavyG .  He doesn't even cook.

Ozzie_Isaac

Legume said:

Wait, so my refi window closed already?

Maybe, I would wait 1-2 months to let it settle out.  Rates will probably drop back down to previous lows, but your origination fees just went up 0.5% on amount borrowed.  So that sucks.  That will be an increase on the order of ~30% in fees.

dmchicago

JohnInCarolina said:

Amazing how one of these threads can turn on a dime from discussions of d!ck measuring to legitimately informed and useful information about home mortgage lending.  

Maybe we can start comparing the size of our...uh...equity?

Ozzie_Isaac

dmchicago said:

JohnInCarolina said:

Amazing how one of these threads can turn on a dime from discussions of d!ck measuring to legitimately informed and useful information about home mortgage lending.  

Maybe we can start comparing the size of our...uh...equity?

This is an interesting suggestion.  Rates are so low, that large equity is tying up significant investment potential.

Some people value no mortgage, others value significant leverage when money is cheap.

I need to know the forum's value, leverage or equity, before I know which lie to make.

HeavyG

JohnInCarolina said:

Amazing how one of these threads can turn on a dime from discussions of d!ck measuring to legitimately informed and useful information about home mortgage lending.  

This really is quite the "bbq forum".

May it never change.