Omr Subcage !!!!!!!!!!!

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Old Oct 2, 2008 | 11:29 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by NINER
I could care less. The plan would let me move to a nicer house sometime in the next decade without having to drop $70,000 to cover the amount that my loan is upside down now. I'd rather give half of a $10,000 profit they pay out the $70K just to move.

This part is the sticking point for me though:
be unable to afford their current loan, but did not intentionally miss payments.
Very true. I'd give all the profit to them if you are really 70K upside down in your loan. That last part will really **** the people who try hard to not miss payments.
Old Oct 2, 2008 | 11:29 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by scott3824
if i could do one thing over again, i would go back to when i decided to go into IT and kick myself in the dick and go into pharmacy .... it's 5 years and school is tough but starting out at 100 grand right out of school is worth it to count pills and put them in a bottle.
i know a couple of pharmacists. they're pretty recent grads and they started at 80k. where'd u hear 100k? articles and word of mouth usually add on a shitload of money. i was supposed to make 10 grand more a year when i graduated and practically have a job waiting for me, according to everything i'd read. it wasn't anything like that.
Old Oct 2, 2008 | 11:30 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by Bray
damn lol i need to find what i want to do quick!

any suggestions? lol
what do you like? do you want to be in an office environment? do you want to work with your head or with your hands? do you want to do physical labor? do you want to be challenged mentally? do you want to be in a team environment or be counted on to be more independent? do you want to be in management / leadership someday?
Old Oct 2, 2008 | 11:30 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by Trachito
i know a couple of pharmacists. they're pretty recent grads and they started at 80k. where'd u hear 100k? articles and word of mouth usually add on a shitload of money. i was supposed to make 10 grand more a year when i graduated and practically have a job waiting for me, according to everything i'd read. it wasn't anything like that.
one my best friends started at 105 ...
Old Oct 2, 2008 | 11:31 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by scott3824
i agree ... only thing that made me leary .... sounds like they are saying, we'll help you and cut your payment down but then we aren't letting you turn a huge profit - which is kind of fair .... you would have to do some speculation and figure out if paying less now and making less when you sell would be better than continue to pay more than what the home is worth and maybe make more - if the market catches back up in value
Market will never be back up to what it was until inflation drives the prices back up.
Originally Posted by scott3824
if i could do one thing over again, i would go back to when i decided to go into IT and kick myself in the dick and go into pharmacy .... it's 5 years and school is tough but starting out at 100 grand right out of school is worth it to count pills and put them in a bottle.
I told becky that not 2 days ago.
Originally Posted by Zuki750
I wonder if they just want back the amount that they wrote down the loan.
They probably want half of the profits.
Old Oct 2, 2008 | 11:32 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by NINER

This part is the sticking point for me though:
be unable to afford their current loan, but did not intentionally miss payments.
yeah i wonder how they determine that .... don't let them know you have a paying roomate
Old Oct 2, 2008 | 11:32 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by MikeM
100 grand? no way dude
It may not be 100K but it's a lot. My sister-in-law was looking into it. She was a drug and alcohol councelor and wanted a change.

She ended up being a drug rep for Soboxone (sp?). That job is ****. Like $60K a year plus enough vehicle allowance to buy her a new Nissan Rogue. Two conferences every year. The fall one was just in Rome and the spring one is in Maui. She only works about 30 hours a week. There is so much money in drugs.
Old Oct 2, 2008 | 11:32 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by MikeM
100 grand? no way dude
uh yeah way dude, give or take depending on the area you live in
Old Oct 2, 2008 | 11:33 AM
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Re: Omr Subcage !!!!!!!!!!!

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Old Oct 2, 2008 | 11:34 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by Zuki750
Very true. I'd give all the profit to them if you are really 70K upside down in your loan. That last part will really **** the people who try hard to not miss payments.
No it won't. It's to discoun the people who intentinally fell behind instead of trying to keep up.

How do you calculate debt to income ratio?
Originally Posted by scott3824
yeah i wonder how they determine that .... don't let them know you have a paying roomate
Mike pays in cash.
Old Oct 2, 2008 | 11:34 AM
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Re: Omr Subcage !!!!!!!!!!!

damn why does it pay so much? seems like a monkey could do it
Old Oct 2, 2008 | 11:36 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by NINER
No it won't. It's to discoun the people who intentinally fell behind instead of trying to keep up.

How do you calculate debt to income ratio?
It sounds to me like they will only consider people who have missed payments.

I assume it's payments divided by gross pay.
Old Oct 2, 2008 | 11:37 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by MikeM
damn why does it pay so much? seems like a monkey could do it
i wondered that myself....maybe because of the required schooling
like jason said there is a ton of money in the phar industry, i am trying to get lacey to be a pharm sales rep
Old Oct 2, 2008 | 11:37 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by scott3824
uh yeah way dude, give or take depending on the area you live in
I like how when I offered the sugesstion to Becky it was quickly dismissed....
Old Oct 2, 2008 | 11:37 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by Zuki750
It may not be 100K but it's a lot. My sister-in-law was looking into it. She was a drug and alcohol councelor and wanted a change.

She ended up being a drug rep for Soboxone (sp?). That job is ****. Like $60K a year plus enough vehicle allowance to buy her a new Nissan Rogue. Two conferences every year. The fall one was just in Rome and the spring one is in Maui. She only works about 30 hours a week. There is so much money in drugs.
word. i dont know why dealers are wasting their time out on the streets.
Old Oct 2, 2008 | 11:37 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by Zuki750
It sounds to me like they will only consider people who have missed payments.

I assume it's payments divided by gross pay.
see i didn't think that
Old Oct 2, 2008 | 11:38 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by NINER
I like how when I offered the sugesstion to Becky it was quickly dismissed....
what did you expect ?
Old Oct 2, 2008 | 11:39 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by NINER
I like how when I offered the sugesstion to Becky it was quickly dismissed....
not to be a dick but i don't know if she could have handled the school ... it was intense, much more so than engineering imo
Old Oct 2, 2008 | 11:39 AM
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Re: Omr Subcage !!!!!!!!!!!

Originally Posted by MikeM
damn why does it pay so much? seems like a monkey could do it
You have to make sure you don't **** up and kill someone by giving them meds that are dangerous when mixed. You will ruin your career though if you ever test positive for any drug or are caught stealign drugs from the store.
Old Oct 2, 2008 | 11:40 AM
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Re: Omr Subcage !!!!!!!!!!!

still don't understand the concept of this toy hippo slider ...lol



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