subby1

No. The modification is based on what you owe. But in my case, if that were the case, it wouldn't matter much because I refinanced not very long ago, and I haven't lived in my home very long anyway. Loan mods are finally becoming easier to get than they once were because the banks are getting flooding with millions of empty homes that aren't worth half of what the bank approved them for before the meltdown. It is in their best interest to keep people on their homes by making payments more affordable.

In my case, it locks in at 5% after that......sweet, eh? BUT YOU CANNOT MISS ONE SINGLE PAYMENT!!!

I was a teenager last time I took an IQ test, so I have no idea....and I'm not so sure that "common sense" and IQ standards go hand in hand. My dad had to quit school when his dad died at age 10, and had to work the farm for the family to survive. He still is what most people would consider illiterate, but he's a mechanical genius, invented quite a few things (only didn't know anything about how to get a PATENT).....I'd have come from a wealthy family, were it not for that. Danggit! He invented mostly things that were hydraulic, from the hydraulic power-packs they use to this day in Automa

Sure does, and it's happening EVERYWHERE! I was blown away when they approved a loan mod for me. Dropped my payment by about $150 per month, and 2% interest for the next 5 years, and done away with the almost $2800 I was behind on. Go figure!????? I sure aint complaining though. I guess we just got lucky.

HEY LPPT!!! I just talked to the guitar player I told you about up the street from me....we're gonna have a jam session tonight, including a great drummer. I told him about the event and playing about a 2 set gig at the event, and they were thrilled to hear about it. Last time I played with these guys, we did Comfortably Numb, by Pink Floyd, and even my wife (the world's greatest critic) was blown away!! They are quite good, and I know a bass player who would be glad to fill that gap, also. I'll be in touch!!

It really depends on a few things- the lender, how much you owe, and how much you paid (like did you buy your house when prices were inflated, and are now half what they were), and so on. I know plenty of people who have been getting foreclosure notices for well over a year, and have to receive an eviction notice. Most of these fall into the category I mentioned, when their loan was, let's say $140,000 for a home they have not made a dent in yet, so the lender is reluctant to oust them, since they will lose a LOT OF money if they foreclose. Likewise, I know someone who fell behind and have alr

I have to admit, as strange as it sounds, that my 18 year old is thick as thieves with me and her mother. She's always staying in touch when she's out, gabs with her mom ALL THE TIME by texting back and forth. And, when she decides she wants to have a party, so always asks us first. So, most of her party time is right here at home where I know she is safe....and her idea of a party is drinking loads of soda's and listening to that gosh-awful music kids like now days. I can tolerate it though, since she's so cool and very responsible. She landed her a job at Advanced Auto just over the county l

The family is at the football game, so I figured I would finally fix some of my OWN personal mowers. Lord knows they needed it. But no pressure, very peaceful, got my tunes cranked up, and I can still hop on pcom every 10 mins or so, to see what's going on with the gang around here~~~. Hope everyone is having a good night, and even better Holiday weekend!!

Gonna take Buddy out for a late night walk. Peace to all of you!!

PM sent.

Not good on my end. My bass player has a couple of prospects. I am calling him tomorrow, as they want to get things moving FAST. Otherwise, things are looking VERY WELL. My ad's are probably too intimidating, but at the same time, I don't want someone wasting my time, if you know what I mean. Do a google bio on BOB BURNS....that will give you an idea of what I am dealing with. Playing with someone (plus helping to assemble a GREAT band) with that kind of fame is a bit intimidating. I want to make sure we get the only the best of the best. But hey....just ONE guitarist away from booking

Okay....times up!! I'm hitting the weights, then a good snack and some TV, but I tried. I know..it's THURSDAY, and that's not fair. Sorry, but it's all I had left. Yall have a great weekend, since I plan on sleeping my ass off tomorrow night!!

This is my only night to goof off and stay up late, so this is a feeble attempt to attract the dregs.....uh, people who are still having a hard time sleeping tonight! WASSUP????? I played with my dog (BUDDY) tonight....cut him out a nice fitting piece of carpet for his kennel (which he LOVES so much it's SCARY!!). So, we get to playing around on the floor, and the big old boy just tears a rip across my arm!!! (He didn't mean to, but it took a lot of peroxide and alcohol to make sure I'll be okay). BTW, that's not just the camera making his eyes scary....he has WOLF eyes...or maybe Si

Sent you a PM....my vocab SUCKS when I get a pitcher of beer and a pool table!! I just like to have fun and do man things once in a while....probably because I'm the only man in my family. No boys...all girls....2 teens and a wife. Check the PM!!!

' Some people can like or dislike threads by T.P. It's your choice. All I can say is that there WAS a time when threads were BOOMING!!! We had drama, cat-fights, discourse, unity, love and hate...all of that. I have to give credit to a long-time poster for at least TRYING to get something going on here!!! Maybe I should should start a thread tonight....hell, it's been a LONG time since I kicked up some stank on here!! Honestly, I am WORN SLAP OUT from busting my butt working, and tonight I just wanna chill. My typing fingers are about the only thing left on me with any energy l

Possible, but HIGHLY unlikely. PM me if you need to.

Yeah, I fell back HARD!!! And, MAN, did it hurt!!! It still does, but I'm almost certain I'll finally be able to spend a few years playing on stage with a legendary drummer, very soon!! Trying to find work in the face of adversity, after losing a career, may be about character to some folks. I have seen it both ways. While I appreciate your kind remarks, I can tell you that my drive came from my family. When your family looks to you to provide for them, you HAVE to get up and get something going. Generally speaking, a family man is a lot more driven to make a way than a man who has no dep

I knew you were my kind of people as soon as we spoke! I don't try to tick anyone off on pcom if I can help it, but when you've been on here as many years as I have, I know people will form opinions about folks. I can't begin to count how many online "enemies" I finally met and became best of friends with. (I am hesitant to use the word "enemy"...let's just say some folks who had differing opinions with me.) Enemy is a STRONG word, and as far as I know, I don't have any enemies, nor would I ever want to.

The pleasure was all mine! Your hubby is a hoot!!! We'll have to kick up some dust one evening!

This is also common. That's why I always installed shut off valves on the fuel line, and stressed people to turn them OFF. Even a brand new carburetor needle will sometimes leak, then all your gas flows into the crank case (with gravity feed systems). It's also a good way to blow the engine if enough gas contaminated the oil for it to still fire up and run. I've seen a few slung rods from this happening. It's just plain silly that mower companies will put a ton of safety switches all over these darn things, but fail to put a shut off valve on gravity fed riding mowers....just downright stupid.

First, you need to make sure you have a strong enough battery. The $25 batteries don't have enough cranking amps for most engines over 8 HP. You need the stronger one that costs about 35-40 dollars. Once you know you have enough power in the starting system, try this- Removed the spark plug, and turn the engine over a few times. Check to see if gas comes out the spark plug hole...meaning you could have hydraulic lock. The engine should spin easy and fast with the plug out. Reinstall the plug, and try it again. If it is still hard to turn over, then you probably need to have your valves adj

Maybe not on the state level, but the Federal level damned sure can, and has been doing it for a while, starting with "Homeland Security".

I'm not sure....I am so focused on work right now, I don't even know where this is taking place. Perhaps someone could summarize all the in's and out's, especially things like parking & other accommodations....BATHROOMS, etc. BTW, I just remembered my singer from Simply Southern lives out here now, so I might be able to coax him into singing!! ALSO- if I am able to get a band together, there's some more things to consider----a COVERED AREA, and ELECTRIC POWER. I've been to too many of these things over my years...and I've been through my share of disasters from poor planning. But

I can handle the entertainment.....and IMO, one of the funnest things about these events are simply socializing with the locals. I've always been a "people person". I love meeting folks, and I really love PLAYING MUSIC FOR PEOPLE.

Use your imagination.....Styrofoam cups, a cooler, and most of all...discreet & always respectable behavior~~ I am willing to offer my piano services with any other pickers who would like to get together a "make-shift band". I know there's talent around here!! It's just so hard to get musicians to do freebies. I can even gain access to a P.A. if any good pickers want to hook up with me a couple of evenings beforehand to just collaborate on some songs that we all know. In fact, I think I may have a guitar player who would like to do this, just for the exposure. I will call a drummer fri