Posts by Jacob Miller2

Kimberly Nguyen said:@Jacob Miller2 ... you are constantly trolling and making it impossible to have a decent conversation ... honestly, people just don't want to engage in discussions like this when you're involved ... believe it or not, when someone is dealing with an interlocutor like you, they just walk away ... most folks come here to actually gain or share some useful information ... if they need to know how accurate something is, of course they'll just head down to Chase or Wells Fargo to verify it themselves ....

Not really, dear. I feel insulted, so naturally, I'm going to push back. I guess it’s just that facts you can't debunk tend to frustrate people for reasons they won't admit.
It’s almost as if everyone here owns a major bank like Chase or Wells Fargo and is trying to defend those sky-high interest rates.

Since it seems nobody can respectfully counter my facts, they resort to handing out "Demerit points" or whatever they call them, hoping I'll eventually get banned so I can't speak up. It's as if I don't even have the right to defend myself. Because of that, I think I'll just step away from this debate and this whole thread about loans. It feels like nothing useful is actually being learned here anyway; everyone just gets defensive the moment I mention how high interest rates are in the US. hehe

If there's a moderator around, maybe just delete all my posts in this thread, along with any replies to them. Apparently, my posts are too intense for some people, and I wouldn't want anyone feeling upset for unknown reasons.
And since it looks like I don't have the right to defend my position, it might be better if everything is just wiped clean.

Best,

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

I was just talking to someone who, for whatever reason, decided to lose their cool with me. So, I had to bring them back down to earth. Once they showed their true self, I just commented on it.

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

No, you weren't. There was no intention to be insulting. I didn't even use the word "lie."

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

And?

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

That was a while ago. I'm happy for you. But my point was that those types of loans don't exist anymore. It's great that you managed to get one back then. They used to be available.
And?
That loan of yours has nothing to do with this discussion.

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

So, if I’m following you correctly, you're essentially saying that none of the links you shared actually provide any evidence to back up what you're claiming. I guess that might be the case, though I'm not entirely sure. ☕
I’m glad we were able to get that sorted out.
It doesn't really matter. That was all a long time ago. At this point, we're just here to talk about credit.

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

Heh, I suppose I’m being a bit of a nuisance. Maybe just a little.
Look, honey, I think you might be overthinking this one. You've really let it get to you, maybe a little too much. ☕

I’m sorry to hear that.

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

Haha. ☕
So, I finally pulled the trigger and bought an apartment. We’ve also got two cars now, which seems to be the setup for the time being.

Even without setting aside a single cent from my paycheck, I could still qualify for a loan. If you didn't catch my drift earlier, I only mentioned that I started putting money into housing savings back when I was a college student because of that little jab—and yeah, suggesting I couldn't manage a loan feels like a bit of an insult. I suppose if I had known that would be the reaction, I probably wouldn't have bothered messing around with those savings accounts in the first place. But the funds are sitting there, and I might as well make use of them.

It seems like people like you are always trying to make a point.

I guess I'm just feeling a little amused, all things considered. Maybe it's nothing much, but there's a certain lightness to it today.
I suppose I really do have everything.

goldentrucker18 said:Look, I see how you’ve been going at it with everyone else on this forum—honestly, there’s no way I can take you seriously.
(npr. sa drugog podforuma: Hehe, it’s actually pretty great to see you showing your true colors like this. Honestly, it’s kind of satisfying that I was able to corner you so effectively in that other thread—I basically laid out the facts and truths so clearly that you just had to bolt from the conversation because you couldn't handle the reality of it all. Heheheheheh.)

Look, I wrote my response to you perfectly clearly—I wasn't being difficult or anything like that. What I was doing was simply highlighting the specific points that actually require your attention...
Look, I wasn’t yelling at anyone—I was just typing in all caps. Honestly, I don't even know what you think I'm picking a fight over? Just because I used an underline doesn't mean I'm throwing a tantrum or anything (seriously???).

If someone actually tried to get under my skin on this forum, they’d quickly realize I don't exactly have the thinnest skin—though, admittedly, I can be a bit of a hothead when people start talking nonsense. I might lose my cool, but at least I'm honest about it.
What if the person is only 14? That would mean I’m basically stuck in a legal tug-of-war over a loan with a minor... which, let's be honest, sounds like a complete nightmare.
To put it bluntly—nothing on this forum is ever taken seriously.!
I honestly thought that was just common sense—something most people would have picked up on without me having to spell it out.

The reason I shot you a direct response to that link was simple—you actually had the nerve to claim I was lying. But hey, what can you do? If I’m going to stick my neck out and get poked by the horns, that’s just how it goes, I guess. 🤷

Regarding those links—I already laid it out clearly: they point back to March 2007. My own data goes all the way back to the fall of '07, and if I recall correctly, there were at least two or three new stock offerings launched right around that same window. Seriously, what is the confusion here?

If you’re actually feeling satisfied because you think you managed to "get a dig in" at me, then that honestly just says everything about how much headspace you're wasting on other people's reactions—in your case, being proud of some little jab. As for me? I didn't feel a thing. It didn't sting, it didn't hurt, and it certainly didn't land. 🤷

At the end of the day—after all the noise has died down and we’ve finally stopped spinning our wheels—it really just comes down to this.
Man, you’re asking so many questions about this mortgage that I’m starting to wonder—even with all the money you and your wife have managed to squirrel away, is it still not enough to qualify for a decent loan?

Nice one!
Honestly, you've completely floored me—your sheer level of knowledge and the way you lay out your arguments just leaves me totally speechless.

I mean, seriously, though— Why are you looking so disheveled???🤷 Honestly, whatever anyone types, you just have to jump in immediately—you’re constantly picking fights and looking for an argument with everyone. It feels like you're intentionally trying to push back just for the sake of it... I don't know, it makes reading your stuff a little exhausting after a while.

P.S. Now that you’ve decided to take a shot at me—honestly, I’m dying to know—exactly what kind of "truth" are you actually talking about here? The truth hurts. (Who cares? Not me, anyway.)
I was wondering—have you actually dug up anything regarding my marriage or my family’s health situation? Or maybe found out if someone's been playing games and cheating behind anyone's back... I'm just trying to get ahead of things before some kind of drama catches up to me. What exactly are we talking about here? Truth about what? Hurting...??!! Honestly, I have absolutely no clue what you're even talking about.

Take care of yourselves out there.

I really don't follow what you're getting at.

It's a bit like when my parents would claim they took out a mortgage thirty years ago and that the final payment was only "tough" because inflation cost them a single pack of Marlboros.

It seems like there's just too much frustration here, so I think I'll step away from this discussion.
Regarding those three savings accounts (two mine and one my wife's) I mentioned earlier—they were honestly just trivial. Just something extra we had lying around for nonsense. ☕

But since facts seem to be too painful for you to handle without getting worked up, I'll just head out.
You're being ridiculous. It's actually kind of sad. 🙂

I'm bowing out of this debate so my dear interlocutors don't get any more frustrated.

👋

goldentrucker18 said:[QUOTE=AustinPowers;22251586]It seems like people aren't exactly telling the truth here. I’m talking about that post where someone supposedly pulled a $100,000 loan with a fixed 4.5% interest rate—no life insurance, no co-signer, nothing. I mean, if that's true, fine, but they should say where and how. Most likely, it's just a lie.
QUOTE]

Look, AustinPowers,
that loan was taken out back in 2007 before the fall, through Chase, and since it was a mortgage, it went through a savings plan.

The loan is in US dollars with fixed rates. The only catch was that for the first three years, the rate was 3.8%, and then it bumped to 4.5% for the remaining 17 years.

Back in 2007, they were actually starting to offer fixed dollar loans (because everyone else was jumping on those Swiss franc or Euro options), and you can even find proof—look under other threads where people mentioned taking out loans under the exact same terms my partner and I did.

Here, for example, is a link from 2007, specifically from March (which means six months before we took our loan out)... just so you can refresh your memory on what the conditions looked like in 2007.

Later on, they even ran at least two or three more promotions with even lower rates.
When we were applying, it happened to be the very last such promotion at Chase and Wells Fargo, and we qualified under the young adult criteria (special loans for young professionals).

(They actually ran commercials during the news on local TV, right when the countdown clock starts ticking down)

http://www.seebiz.eu/hr/banke/stednj...006.,2184.html
...The rise in interest is a result of high returns on home savings, which grants the right to a favorable mortgage with a fixed interest rate...

Honestly, I couldn't care less whether you believe me or not. I was originally responding to a post made by stipe74, so I was addressing him.

And now—whether you believe me or not, I really don't care. It doesn't change my interest rate, it doesn't affect the exchange rate, and if rates drop to 2%, I'm not going to go out and call anyone out. I don't pay $100 a month for life insurance, I'm not acting as a guarantor for my husband, and I have my own creditworthiness for whatever "rainy day" might come. We have plenty of other things to worry about that aren't tied to a mortgage or credit scores.

If you're seriously curious, give Chase a call, ask for the lending department, and see if they had a promotion like that before the fall... or just type "Chase 2007 Wells Fargo mortgage" into Google and read what the terms were back then.

And for the record, the loan was larger than $100,000, and we don't pay for life insurance or use co-signers because our property meets all the requirements and LTV ratios, like 1:1 or 1:1.25.

If you want to know anything else, just ask, but don't just sit there typing away accusing people of lying.

Just because you aren't aware of something doesn't mean it doesn't exist or didn't happen...

Since you have access to the internet, do a little Googling if you're too lazy to call and ask directly.
Just because someone doesn't hand you information on a silver platter doesn't mean everyone is lying.

It looks like I hit a nerve, seeing as the truth seems to be causing such a stir here. ☕
One thing that proves my point is just how calmly I laid this all out. I didn't even resort to calling anyone a liar. It's funny how much the truth can sting and trigger these kinds of reactions... I guess I did something right there. 🙂
Anyway, hope things settle down.

It’s not that I’m being lazy; I just don't need a loan, so I haven't bothered looking for one.
If you check Google for 2007 rates, they show slightly higher interest than what you're claiming, and those links you provided actually say the same thing. 🙂 In fact, those very links seem to contradict your own argument.

My parents took out loans a long time ago, and by the time they reached the final payment, the amount was basically the price of a pack of cigarettes. Times have certainly changed.

It feels like we aren't exactly dealing with facts here. I’m looking at that one post where someone claims they pulled a $100,000 loan at a fixed 4.5% rate without any collateral, a co-signer, or anything else. I mean, if that's actually true, fine—but I'd love to see where and how that happened. It seems more likely to be a bit of an exaggeration.

To give some context, I have two different savings accounts over at Chase. One of my wife's accounts at another bank is set to expire in about a month, and the terms are almost identical. So, I suspect these claims might not hold much water.
Maybe I'm off base here... but I don't think so. There might be a 1% or 2% difference somewhere, but certainly nothing as drastic as what's being described.

The only thing I've noticed is how certain facts seem to really rattle people. I'll state something that is objectively true, and for some reason I can't quite wrap my head around, people just start getting upset. I honestly don't get why.🙂

It seems like there isn't any sort of bonus available unless you take out a loan.
In my experience with my mortgage, I actually end up getting about $167 in bonuses if I just withdraw the funds—essentially combining the principal, interest, and the CD returns—rather than opting for a loan.

I guess it really comes down to whether you think taking the loan is worth the hassle. What do you think the actual difference would be if we're looking at a 7% return versus a 5.5% loan rate?

silverbison293 said:Look, just ask someone or check the bank's website—for crying out loud... am I really expected to read through all that fine print just to summarize it for you?

The reason I'm asking is that I feel like I might be missing something, or maybe the info out there is just a bit confusing.
To be clear, I'm not actually looking for a loan; I'm just curious about how it works.

For instance, my savings plan hit its five-year mark recently. I put in two installments of $25,000 each $0.00. Based on those savings, it looks like I'd qualify for an $11,000 loan at a fixed rate.

I actually set this up way back when I was still in college. I probably wouldn't mess around with it like that anymore.

I don't need the credit, so I won't be taking it. It just seems odd to me—like there's an $11,000 cap on my end, but it doesn't seem to apply to others.
I'm just trying to wrap my head around it.

Jacob Miller2 said:that was basically the first residential savings program offered by Chase Bank

I managed to set aside about $50,000 for a down payment on a larger place, and if I recall correctly, there was some sort of special promotion going on around the time they started rolling out those specific mortgage products.

I just wanted to point out that it is true—some people actually hold fixed-rate mortgages through these types of specialized savings programs or certain promotional offers...

So, I was wondering, if you go through one of those home savings programs...
How much time does it usually take to save up, and how much would you need to have tucked away to qualify for a $50,000 loan through that method?

driftingridge18 said:To me, seeing five smiley faces made it feel more like mockery than actual humor, just saying...
Well, fine, if that's how you want to take it... but honestly, those constant appeals of yours feel like you're just making a mockery of the entire legal system.

And look, if it’s boring to see "some hero" constantly jumping into the replies of posts like this, then it’s also pretty tedious to watch someone constantly brag about playing fast and loose with the law (and I don't mean just you; my entire post wasn't even directed solely at you).

The legal system is what it is. Right now, it's flawed. Of course, I'm not going to pay a fine if I don't have to; I'm not breaking any rules there.

No, it's just tiresome having "some street hero" pop up in every single reply... As far as I recall, the topic was about how to handle a statute of limitations on a traffic ticket (basically, how to make that happen). What I wrote wasn't boasting; it was just describing how I managed to trigger the statute of limitations. But then the thread gets flooded with pointless posts from people who aren't actually trying to answer the question, but instead just comment on how it isn't moral. Whatever.

driftingridge18 said:I’m fully backing up what kruletove said, even if the tone gets a little biting at times...

Regarding Jacob Miller2's comment about how he feels like he's being treated like a criminal just for getting a ticket—wondering why he's being summoned to court or why his appeals aren't being accepted: The reason they're dragging you into court is because you keep ignoring the rules.

Around here, there seems to be this mindset that laws should only apply when they happen to be convenient for us. Of course, in reality, people often complain that "nobody follows the law" or that "the regulations are stupid," which is honestly pretty sad, and I know we've all become somewhat desensitized to it. But you can't break out of that cycle unless every individual makes a genuine effort to set a better example. Sure, not every law is perfect; some are definitely hard to interpret, vague, or even just plain nonsensical, but does that really mean we're better off with total lawlessness?
God forbid you ever find yourself in a situation where you lose a child, much like J.K. Rowling did. In a moment like that, there wouldn't be a John Doe to send complaints to, someone to dodge service of process from, or someone to simply ignore the court summons. And who would she even file an appeal with?
Just something to chew on the next time you find yourself breaking a rule (and let's be honest, it'll probably be tomorrow when you're speeding through a zone and might accidentally hit someone 👎).

Come on, kid, read a little more. ☕

What do you mean "repeatedly ignoring the law"? Who said I support speeding or anything like that? As for what you wrote... wake up, man, and stop repeating the same thing over and over. We all know this stuff. Blah, blah, speeding... blah, blah, appeals... It gets a bit tedious when someone keeps showing up acting like a hero, preaching the same sermon. Do something instead of giving me these pointless replies that have nothing to do with my actual point.

As for the court thing, I'm not surprised at all that they went after me. I actually laughed at the summons, and obviously, I didn't show up. There's also the option of a written defense, since they can't drag you to court for that. I'm talking about my specific case: speeding, but I had no prior violations. That's already been settled via the statute of limitations anyway.
And yeah, there's a difference between driving 60 in a 40 zone on a highway versus doing 60 through a residential neighborhood. But I guess that nuance doesn't fit into your rehearsed logic.☕
You're getting things mixed up and just talking nonsense. I don't go racing through town at night; I don't need high speeds for a thrill. And of course, it bothers me when kids tear through the streets just because they have no other way to show off in their dad's car.

The best part of all this is your comment about "wondering why they won't accept my appeals." 🤣 If you haven't realized—and I suspect you're the only one who hasn't—that was a joke. They can't accept my appeal because there's undeniable evidence 🙂 that I did it, right? Is that why I was bothering with an appeal in the first place? 😉

Later.

Jacob Miller2, I don't think they can actually force you to show up in court just for speeding. If you had picked up the summons, it probably would have laid out all the dates and times you need to be there, but it likely also mentioned that if you can't make it in person, you can submit a written defense instead. Honestly, I don't think anyone could really compel you to appear in person for a simple speeding ticket. Stalin is dead 🙂.

Here’s a bit of my own experience. A couple of years back, I was driving too fast and got caught by a speed camera. Everything was clear—it showed my face, the speed, the date, my license plate... I was definitely in the wrong. So, I filed an appeal. Eventually, I got a notice in the mail saying my appeal was denied 🙂 though I'm not entirely sure why 🙂. I tried a second appeal, but that was rejected too 🙂. Each step took about four or five months to process. Then, I eventually received a court summons. It felt a bit much, expecting me to actually appear in court just for speeding 🙂; it almost felt like I was being treated as if I'd hit someone. That's why those notices usually give you the option to defend yourself in writing. That's what I opted for. It's been three years since the incident, so it's a closed chapter for me. Now that they're introducing these new regulations, I suppose we'll just have to wait and see how things actually play out in practice
.
And just to be clear, if a judge finds you guilty and sets a fine that you simply refuse to pay, well, that's a whole different issue. I just don't want some fanatic jumping in here to claim that nobody can do anything at all to you regarding this
.

Lisa Kern38 said:So this is what we call a lawyer after five years of law school... give me a break. I guess why even bother going to college if this is the level of advice we're getting.

Wait, seriously? 🙂

I'm not sure I follow—what exactly is your issue here? ☕

fadedrider02, I wouldn't let those fanatics get under your skin. I honestly don't understand why people make such a massive deal out of an appeal. The statute of limitations on this violation is pretty old, so you can likely just wait it out.

If you just keep filing appeals against their appeals, eventually the whole thing will just expire.

If we ever actually see a total ban on smoking in public spaces, it’s going to change the whole vibe of a night out. You might actually be able to head outdoors without smelling like an ashtray for the rest of the evening.
It isn't that I have anything against smokers, per se; it's just that being forced to breathe in someone else's smoke while sitting in the same room feels pretty disrespectful.

Larry Wells2 said:So, I'm writing this because I'm planning on trying drugs for the first time. I'm 17 and a junior in high school. Just a heads-up: don't bother trying to talk me out of it, because I'm going to do this regardless of whatever stupid comments you leave. I guess I've just reached a point where I feel like I've done everything else and I want to try something new. To be clear, I haven't even touched weed yet. I have zero interest in smoking that. But all my friends are into speed now, and now this other friend is pushing us to try cocaine. Money isn't the issue. I'm just stuck on what to actually go with, so I wanted to hear about your experiences. What's the best way to get a real high without being a total zombie for 24 hours? I'm thinking about doing something Saturday night so that by maybe 2 or 3 in the morning on Sunday, I'm somewhat functional, though I still want the experience to actually hit.

I think I see where the issue lies. You’re probably just hitting that age where you're starting to grow hair down there and feeling restless. 🙂 Plus, maybe you just haven't found a decent girl yet.
If you actually have the cash, just hire two escorts to blow you; that would be an experience. 👍
Or maybe you're gay. Either way, it's nobody's business... just go ahead and screw that friend of yours. You'd be doing him a favor.

By the way, your friends are probably just impotent and using drugs to mask their own issues.

I suppose there's no real point in trying to grab everyone's attention like this. Nobody cares, and you aren't the only one dealing with stuff.