Yeah, but they'd NEVER publish sh!t like that nowadays. Talk about laughably unbelievable nonsense. Magicican gets run out of business and suddenly he wants to read the literature?
joenobody
JoinedPosts by joenobody
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14
Help- Can anyone show me Yearbook 1967 P.105 Snake slilenced by a witness
by Witness 007 inneed a qoute- demonic talking snake would fall silent when the witnesses would call.
if i cant get it i will have to do my usual...steal it from the kingdom hall library.
opps in my meeting bag!
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15
Subprime Fix
by skeeter1 inthe problem:.
your mortgage has interest.
in the beginning 15+ years of a mortgage, almost all of the payments go towards interest.
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joenobody
Oops I did it with Person B only putting 5% down... even better...
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15
Subprime Fix
by skeeter1 inthe problem:.
your mortgage has interest.
in the beginning 15+ years of a mortgage, almost all of the payments go towards interest.
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joenobody
I don't understand the manner in which many people determine that which they can afford when it comes to a mortgage. Simply put, most people work backwards from a monthly payment to a 20 or 25 year mortgage at current rates and determine the house they should be buying. Banks are only too happy to amortize things over 25 years. And that's the problem... you will never start paying down principal until you've renewed 3 or 4 times and are into about year 13 or so. To me, you need to consider the entire purchase price of the home OVER THE LIFE of the amortization. In other words, when looking at what house you can afford, be aggressive in your initial payments. You might not be able to afford a large downpayment, but you can insist with the bank that the amortization period be scaled down to 11, 12, 14 years... whatever. Figure out what you can afford per month based on that - why pay the banks all sort of unnecessary interest? Consider some round numbers. Person A wants to buy a $300 000 house, but Person B is considering a $250 000 house. Person A goes to his bank and naively accepts whatever the bank offers: 10% down, 5 year term at 6% and amortized over 25 years. Person B goes to the same bank, pays the same 10% down, gets the same 6% term over 5 years but amortized over 12 years instead. Let's assume that there is certainty over the time and that 6% is a readily available rate when renewals come up. Person A would pay about $1725 per month (if they paid monthly) for their house. Person B will pay a fair bit more per month at about $2300. However, Person B will likely only have to renew his mortage twice (assuming every 5 years), while Person A will renew upwards of 5 to 7 times and will be subject to the uncertainty of the times. Person A got a nicer house upfront for a little more, but Person B has PAID OFF their mortgage in less than half the time by being aggressive. Here's the real catch: Person B paid a total of approximately $331 000 for their $250K house by the end. Person A? Their $300K house cost them a whopping $517 000 by the end! I know the numbers are rather simplistic, but what is difficult to ignore is that banks routinely slide those 20, 25 and 30 year terms in front of customers without them blinking. They are too tied up in worrying about a fraction on an interest rate or what colour the new drapes will be. So what if Person B takes on a aggressive mortgage like that and then runs into financial difficulty at some point where they can't afford a monthly payment as high as that? If you approach the mortgage holder they will ALWAYS let you rearrange the mortgage to extend the amortization period period. Why? Because it's easy money.
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What do you think of Minimus?
by Priest73 inthis is my tribute to the ex-dub m&m.
all of his silly threads... no disrespect intended.
dish.
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joenobody
He's like snack food.
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When you were in field service....
by lavendar indid you ever have anyone, at the door, say something to you that created a seed of doubt in your mind about the wts?
something at all that started you thinking "maybe i'm really not in the truth".
i would be interested in hearing about that.. thanks,.
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joenobody
I remember calling on a family that invited us in when I was 17. They were smiling and very friendly, but brought out some photocopies of WT mags from the 1890s to the 1930s with a number of things highlighted. I remember reading them and seeing the dates 1874 and various other things. They asked me to explain some of it; I asked to read it and take it with me. The other guy I was with was nervous and didn't want anything to with the call. I spoke to an elder who was out with us later on and he told me they were apostates and that we didn't have any need to read old literature. That sparked quite a thought in my mind as I wondered why the heck what I had read seemed so very different to me. Start of the slippery slope...
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Did you have a favorite food at the assemblies (when they sold it there)?
by kitten whiskers inhubby and i got on the topic last night.
he was wondering what i was eating- a frozen jello pudding cup.
i remember getting them at the assemblies, especially the hot summer district assemblies.
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joenobody
Best stuff:
- cheese danish
- egg muffin
- frozen pudding
I also remember way, way back in the late 70s, the circuit assemblies had a hot turkey lunch. Good stuff.
Worst stuff:
- fruit bags with fruits that wasn't yet ripe
- subs - very low grade crap meat w/ Kraft Italian Salad dressing
- roast beef sandwiches - also crap meat w/ Kraft BBQ Sauce
And finally...
- Cott Cola
This was the cheapest cola known to mankind. No Pepsi, no Coke. Not even a Royal Crown cola... nope. A Cott Cola. The WT probably kept those guys in business because I NEVER saw the stuff sold elsewhere.
To make matters worse, imagine a warm, almost hot can of Cott Cola on a Sunday afternoon. Just terrible stuff. You felt you were getting a sore throat as you tried to down the stuff. What was it made of? Who know?
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True Co$t of a Convention
by zack infor years one of my assignments was in accounting both at the circuit level and district level.
i was never department head because those slots are filled my true company men.. the cost of an assembly is determined by a formula the assembly hall committees uses.
it's pretty straightforward.
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joenobody
megamomma - I think you meant "pyrotechnics"
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Gone before his time -- Phil Hartman
by AlmostAtheist ini was youtube'ing the other day and ran across this memorial to phil hartman.
it is only his work on newsradio, but it captures the man nicely.
the song it's set to brought tears to my eyes: .
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joenobody
He had the best minor characters on The Simpsons like Troy McClure and Lionel Hutz. Fantastic work that he did - just loved his sense of timing.
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If Jesus could talk to Satan...
by AuldSoul inconsider the scene: jesus has just been baptized and immediately leaves for an extended stay in the wilderness all on his lonesome.
now ... already this is something the governing body would discourage any jw from doing, but i digress.. along comes satan.
jesus knows it is satan, because of how satany he is.
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joenobody
It's just another example of the completely inconsistent narrative in the Bible.
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Remember congregation summer picnics? (and other ramblings)
by WingCommander ina thread on the last page made me remember something from my early childhood.
remember congregation picnics and other outings?
i remember when i was little, probably only 4 - 5 years old; there was a huge congregation picnic at a park with food, games, etc.
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joenobody
I remember those days as a kid looking forward to the platform announced congregation picnic. It usually meant my dad (a non-JW at the time) would come out and get to see the JWs acting normally, relaxing and enjoying themselves.
- loved the softball game and getting to play
- great having a picnic lunch with the family
- funny memories of seeing some of the older people "dressed down" wearing shorts, but a collared shirt, dress socks and dress shoes
- the day seemed to go on forever, getting there early afternoon and leaving after dusk
The funny thing is that most current dubs are too new to remember his phenomenon of the 70s and 80s. It was a good recruiting tool for guys like my dad who used to abhor the Witnesses, but then got to see that most were regular people at the picnics.
Some families hosted big get-togethers at their farms which included cookouts and bonfires. I think when they dropped the congregation sanctioned events to which all were invited, they probably fed into a lot of the cliques and class system that formed in the 80s. Suddenly people were having to organize smaller events and hence started to decide who they would invite and who they wouldn't. That invariably meant that a lot of the rich families didn't invite either the poor or the single-moms/unbelieving mates.