Essential The Locker Room's Random Thoughts

[Blown Moon]

I hope lil mama makes it to Paris and finds happiness.


























































































fukk wrong with Charlamagne mayne.

 

[Rawtid]

My student loans are really the worse debt I have on deck right now. Payment is $100.58 a month and less than 40% of the payment is going towards the principle. Not to mention the interest accrues on a daily basis. *sigh* My car payment is $100 (re-fi) and 89% of the payment goes toward the principle.

 

[muse]

All the major brands will have those different type. I only used Lifestyle Skyn before when I had to deal with someone who couldn't use latex.

Now that is my Health Education lesson for the week. Be safe.

Don't stop for the week, you taught me something. I thought polyurethane was just another type of latex

You ain't gotta worry about latex when it come to me, I'm just sitting on your face
Naw I ain't forget

 

[e1080p]

New member loving the site

 

[Atlrocafella]

My student loans are really the worse debt I have on deck right now. Payment is $100.58 a month and less than 40% of the payment is going towards the principle. Not to mention the interest accrues on a daily basis. *sigh* My car payment is $100 (re-fi) and 89% of the payment goes toward the principle.

Is there any cons to refinancing your car loan? Does your credit take a by or something? Apologies in advance for this stupid question. I think I may want to do something like this at the beginning of next year.

And that student loan shyt isn't a joke for real. I paid $1800 toward my student loans for the year 2012 and $780 of that was interest

 

[Rawtid]

Is there any cons to refinancing your car loan? Does your credit take a by or something? Apologies in advance for this stupid question. I think I may want to do something like this at the beginning of next year.

And that student loan shyt isn't a joke for real. I paid $1800 toward my student loans for the year 2012 and $780 of that was interest

I think it really depends on your financial situation. Because I'm paying off debt and don't have a full emergency fund in place, having a $100 car payment is better for me in the event of a job loss than a $350 one. At least I'll have my car you know? I also did my re-finance for an additional 5 years, at a lower rate, which is why the payment is so low, but I plan on paying it off by May.


There is really no cons to it. But if you don't plan on paying your car off, you have a 5 year loan and you're 1 year into the loan, then re-fi at a lower interest rate for 4 years. that way you're still dealing with 5 years of payments. Does that make sense?

 

[patscorpio]

My student loans are really the worse debt I have on deck right now. Payment is $100.58 a month and less than 40% of the payment is going towards the principle. Not to mention the interest accrues on a daily basis. *sigh* My car payment is $100 (re-fi) and 89% of the payment goes toward the principle.

i wish my car and student loan payments was 100 bucks a month..student loan is like 410 something a month, my car payment is 350 a month...im just glad i pay off my car at the end of the year...thumbs up to aggressively paying

 

[Rawtid]

i wish my car and student loan payments was 100 bucks a month..student loan is like 410 something a month, my car payment is 350 a month...im just glad i pay off my car at the end of the year...thumbs up to aggressively paying

I plan on knocking my car off before summer and student loans by December...although it's looking more like March 2014. If I tightened up in certain areas I could probably have it done by December.

 

[ComputersPutin]

Don't stop for the week, you taught me something. I thought polyurethane was just another type of latex

You ain't gotta worry about latex when it come to me, I'm just sitting on your face
Naw I ain't forget

On another note...Its Friday


But...it looks like I will have to put in some extra time on a project and come in on Saturday.

 

[Atlrocafella]

I think it really depends on your financial situation. Because I'm paying off debt and don't have a full emergency fund in place, having a $100 car payment is better for me in the event of a job loss than a $350 one. At least I'll have my car you know? I also did my re-finance for an additional 5 years, at a lower rate, which is why the payment is so low, but I plan on paying it off by May.


There is really no cons to it. But if you don't plan on paying your car off, you have a 5 year loan and you're 1 year into the loan, then re-fi at a lower interest rate for 4 years. that way you're still dealing with 5 years of payments. Does that make sense?

Yeah it makes sense, I financed my car for 5 years and this June will make it 1 year into the loan. I pay $410 a month, I'm not in an extreme rush to pay it off early, when I get the principal down to about 10k I think will.

 

[James Carter]

Nightmares from your dream girl make you scream out... still dreaming

 

[HarlemsOwn]

where the bytches at B

 

[Black White Sox Hat]

What a shytty Friday night.Got in a super argument with my girl.Chillin on the dolo smokin joints to the head and watching basketball.

 

[ProfessionallyTrill]

Gotta get brews tonight when i wanted to chief.

I should've hit my fellow breh up

 

[Sierra Mist]

I hate when girls try to talk to me for hours on the phone. That's for wifey only. smh