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Everything posted by monkeylizard
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This, but I'd start a mini-emergency fund first. Put $1,000 in that kitty, then pay off all debts but the house. That mini-fund comes in handy for not making your debts worse when you have an unexpected bill. Then fully fund the rainy day fund with 3-6 months of your current expenses after you finish all debts but the house. If worst cases happen, most people can cut expenses and make that last well past 3-6 months. If anyone wants to see their amortization schedule and how it changes based on additional principal payments, I like this calculator: http://www.bankrate.com/calculators/home-equity/additional-mortgage-payment-calculator.aspx
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Look at it this way. If your home was paid for, would you take out a home equity line of credit at a low rate and put that money in the stock market? If not, then pay off the mortgage. One thing your boss is forgetting is that when you no longer have a mortgage, you'll have the entire monthly payment as free cash flow for yourself to do with whatever you choose. Besides that, anyone who would advise me that walking away is a good option doesn't have the moral foundation to give me advice on anything.
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worriedman beat you by 60 seconds. http://www.tngunowners.com/forums/topic/94675-scalia/
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I looooooove Peg Leg Porker. Martin's is good, but I always feel like I paid way too much for what I got. For an out of town guest, I'd go for either of those 2. If you're downtown for the honky tonks, Jack's is good, but it's not the best. It's convenient when you're on Broadway though. Any of those will be better than Centerpoint. I was unimpressed there. Edley's 12 South is on my "meh" list. Didn't care for it. Judge's Vinegaroon on Church by Baptist hospital is awful.
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I found this when looking for size comparisons to the Titanic....
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I doubt that will ever happen. I'd be surprised if there are enough people with the skills and experience to make them any longer.
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For 74, she's doing pretty dang well.
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No Gun Signs Coming Down at Legislative Plaza
monkeylizard replied to 300winmag's topic in 2A Legislation and Politics
http://wkrn.com/2016/02/11/permit-holders-will-soon-be-allowed-to-bring-firearms-into-legislative-plaza/ -
People who can afford to drop 300K on a boat ride are looking for something more exclusive than sharing it with 2,434 other people, and in no way does it include anything resembling an area that could be called "third-class". For perspective, Larry Ellison's latest super-yacht is about 1/2 the size of the Titanic. I don't see this ever being built, and being a commercial flop if it is.
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FIFY! There's no way that Mr. Rockefeller and friends imagined a ship with a casino, golf course, multiple swimming pools with huge slides, dozens of restaurants, surfing simulators, zip lines, ice skating rink, full sized basketball/tennis court, movie theater, and a shopping mall. Oh...and the ability to communicate with just about anyone in the world right from your stateroom.
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I wonder if anyone else noticed that the passenger capacity would be 2,435, the crew at 900, but the lifeboat capacity at only 2,700. That means 635 people had better be good swimmers. I can't say I know much about cruise ship profitability, but I think it may struggle to make money. Ships today carry a whole lot more people. You could make the argument that T2 will be focused on the uber-wealthy, but I just don't see them buying tickets for this. They'll have their own private yachts that can handle the high seas, something that the 1920's wealthy didn't really have. Comparison of the Titanic with a modern cruise ship:
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I forgot what a shelf board looks like.
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Wow, your safe is a lot neater than mine....and a lot more empty. You need to buy more stuff! :)
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KahrMan, could you tell a difference in the more expensive ones? The $10 pack hangars seem pretty sturdy to me.
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PM inbound. I'll take it!
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Does the dirt bike run?
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I didn't hear the crowd booing him because everyone in my house watching the game was booing him. :)
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The Onion had a great headline today: "Peyton Manning declares he has at least one more surgery in him"
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I thought her tempo was on the slow side, but overall she was one of the best we've heard at the Super Bowl in a while.
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Only if you do it wrong.
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Flying to Europe for the first time..
monkeylizard replied to suspiciousmind's topic in General Chat
Going west is much easier for jet lag to me. As for tips, Money - Call your credit/debit card companies and tell them you'll be traveling. They'll usually want the dates and countries you'll be visiting. This will help prevent them from freezing your accounts if they think it's fraudulent activity. You can order foreign currency from your bank. Having a few hundred dollars worth of Swiss Francs for pocket money when you get off the plane is nice for some food, cab fare, etc. Then you don't feel rushed to find an ATM or an over-priced currency exchange counter at the airport or train station. I wouldn't bother ordering any Euros. By the time you leave Swissyland you'll have figured out how it all works. You'll probably get hit with an ATM fee each time, so minimize that by taking out as much as you feel comfortable with. Some US banks have partnerships with foreign banks to waive ATM fees. I know Bank of America is partnered with Barclay's in the UK, BNP Parabas in France, and Deutschebank in Germany. See if your card of choice charges a foreign transaction fee in addition to the currency conversion fee. You can't avoid the conversion fee, but you can avoid the foreign transaction fee by using a card without one or by paying with cash as much as possible. You should have a 4-digit PIN on your credit/debit card. If you have a 3-digit one, change it. Some European ATMs require a 4-digit PIN. If you don't have chip-and-PIN cards yet (card with the gold chip) get them. Just ask your card issuer and they'll send you one. Magnetic stripes are all but gone in Europe. Language - Don't sweat it too much if you don't know the language. Focus on learning as much German as you can because it's easier than French (much of English is Germanic) and because German will be used in both Munich and Zurich. Then pick up a little French. Despite the stereotypes, I've found the French (even in Paris) to be accommodating as long as I don't start the conversations with a poorly pronounced "Parlay voo Eenglash?" If I try to speak French, they'll usually speak English because it's apparent that my French isn't very good, but they appreciate the effort. I've found the Berlitz "Rush Hour" audio series to be excellent for some quick conversational/travel phrases. they set it to music so it gets in your brain like an ear worm. I still remember the songs from an Italian one I listened to over-and-over-and-over again 10 years ago. Nashville Public Library has many of them, so try some for free and see what you like. Books - I love the Eyewitness Travel books from D-K publishing. Most others are lousy because you have to read too much. The Nashville library has just about all of them. McKay Books on OHB in west Nashville usually has quite a few too for cheaper prices than a bookstore or Amazon. I like the little "Top 10" versions for carrying around with me in a day bag or a pocket. -
Chuy's is a chain Tex-Mex, but it sure is good. They make their tortillas fresh in-house at every restaurant. The patio at the Chuy's in Midtown is a great location for people watching.
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Baby steps. This puts several pieces of robotics together. It visually collects patterns, analyzes them, determines the next appropriate action, performs that action, then repeats the process. Someday we'll have things like surgical procedures that are perfect every time and are done faster than a human hand can move and by making fewer and smaller incisions, reducing risks and recovery time. Those kinds of advancements will be attributable to otherwise worthless projects like a machine that solves a kid's puzzle.
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Mass matters, but so does engineering. I'd rather take a hit from a 3-ton Chevy in a 1-ton car from today than a 3-ton car from 50 years ago. If I have to take a hit from a 3-ton Chevy, I'd rather do it in a 15-ton dump truck, but that's just me.
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Ever brought a gun because of a TV show or movie.
monkeylizard replied to FortKnox's topic in General Chat
Not only are Glocks in movies and TV Shows, they also have thumb safeties! I'll admit to wanting a Python after watching TWD, but my marriage can only stand so much spending on guns.