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peenie

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Everything posted by peenie

  1. Broken necks would happen. They can't keep from grabbing the face mask with penalties.
  2. peenie

    This Is What Standardized Testing Hath Wrought

    Did you go to public school and if so where? What was your economic class growing up?
  3. peenie

    Marjorie Taylor Greene

    They both look manly, imo.
  4. peenie

    This Is What Standardized Testing Hath Wrought

    Name the novels you read in school. Not the ones you were supposed to read, but the ones you ACTUALLY read.
  5. peenie

    Marjorie Taylor Greene

    You men are from another planet. A black friend of mine was telling me how much he couldn't stand her but then in the very next sentence said he wished he could....you know. I was like.... (It was crazy because he was telling me that he felt she was such a big racist, but yet....) She looks like a white Serena Williams to me.
  6. peenie

    This Is What Standardized Testing Hath Wrought

    This finding is 30 years late. I rarely read a full book in public school. I graduated high school in 1984. We were given large text books that contained excerpts from books. That's not true....we had 1 or two books a year to actually read (in fact, I know we had to read books because we tried to find Cliff Notes, lol). It wasn't until I went to private school that I was required to read entire large books (300 pages) and that was required reading over the summer.
  7. I wasn't offended. I've been here a long time, and I'm more emotionally hardened than I used to be.
  8. WTF? Help me understand this... I got a 30-yr fixed mortgage and I've been paying it for over a year and now it's been sold to another company. The thing is, most of my payments have gone toward the interest, not the principal. Am I being ripped off? Meaning, if they keep selling my mortgage year after year, I'll never get to pay the principal portion because they keep making it a 30-yr loan all over again!!!! I've paid about 25K into the house already, but the loan amount has only gone down 5K!!!!! How is this legal????
  9. My Dad never owned a home. He lived in a parish and rented.
  10. Scary situation and I don't want to even think about it.
  11. Thank you all for your help. As usual, you geeks helped further my understanding of the financial world. Because of you guys I have stocks, crypto and a home! In the sense that you've helped educate and encourage me.
  12. Why is it that you all know this stuff?? When did you start learning about this? Can you give me the age at which you started to learn about debt and loans and credit and real estate?
  13. Loan Amortization Amortization refers to the process of repaying a loan in full by the maturity date by making monthly payments of the principal and interest over time. Early in the loan's life, a more significant portion of the flat monthly payment goes toward interest, but with each subsequent payment, a larger part of it goes toward the loan's principal.
  14. I will look that up on Google since some people are so high and mighty and genius.
  15. I know they sell loans all the time, but how does that affect my interest and principal? Does anyone know?
  16. peenie

    VP Debate: Vance vs Walz

    Both are doing a good job answering the gun violence question.
  17. peenie

    VP Debate: Vance vs Walz

    Walz is answering the abortion question better.
  18. peenie

    VP Debate: Vance vs Walz

    Lol! My thoughts exactly!!!
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