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xhonzi

User Group
Members
Join date
30-Oct-2005
Last activity
13-Oct-2020
Posts
6,428

Post History

Post
#432838
Topic
Leave of Absence for Sluggo
Time

Leonardo said:

xhonzi said:

Ah.... here it is:

http://originaltrilogy.com/forum/topic.cfm/Socks-or-Real-People/post/394435/

 

ahhh thanks Shonzie, it was apparently buried between the multitude of threads in off topic... good boy, have a ShonzieSnack.

as for you Frink... bad dog, no yummies for you! *points finger*

 

sorry folks I'll stop bow... I mean now.

Oh, come on!  That's the thread where I explain how to actually say it!

Post
#432562
Topic
Cookie MOnsters favorite jokes!
Time

TV's Frink said:

xhonzi said:

Frink-

Marge gives you a mission in a level where you play Bart in the Simpsons Hit 'n' Run game.  The mission is to blow-up a truck full of violent video games before they get into the hands of innocent kids.  This causes Marge to lament, "Why are games so violent?!?  Why aren't there more games about 'sharing'?"

I don't believe in Simpsons EU. :P

Fair enough... I don't believe in any Simpsons since Phantom Menace came out.

Post
#432526
Topic
Mortgage Questions
Time

So, I'm trying to do this math and it's hurting my head.  Maybe someone here will have some experience or some expertise and help me figure this out.

7 years ago, I started a 30 year mortgage for a $205k home.  We paid practically nothing down, so the mortgage was essentially for the whole kit and kaboodle.

At 5.75% (I think) this left us with 3600 payments of $1400ish to make.

7 years later, due to overpaying each month, we have 20% of the principal paid off (a little over $40k), which represents about the 15 year mark (give or take) of the mortgage.  Meaning, had we been paying the default payments, it would have taken us 15 years to get here.  We are currently paying $2200 a month (the $1400 + $800 on principal) hoping to have the thing paid off relatively soon.  I made what I think was a mistaken assumption- if we were able to get half way (15 years) into the loan in 7 years, by paying the same or even more each month we would close out the remaining half in about the same time.  Seeing how we still have the majority of our principal left to pay, and a ton of interest as well... I guess the 2nd half of the loan doesn't compress at the same rate as the first half of the loan since the interest is all subject to change based on paying early- but the principal never will.

Alright-

We can get a 15 year loan for the remainign 160k at 4.5%.  Strangely enough, the monthly payments don't really change.  If you look at it like this: There are 23 years left in our 30 year loan (which isn't really true) and there would be 15 years left in a new 15 year loan- then it totally makes sense. 

But here's the question... If I continue to pay $2200 a month on my old 30 year loan at 5.75%, how soon will I really have it paid off?  Conversely... if I pay $2200 a month on a new 15 year loan at 4.5%, how soon will I have that paid off?  The people offering the 15 year loan say it will have $7k in closing/refi costs- which seems high to me, but I don't do this very frequently.  Does the lower interest rate get cancelled out by $7k closing costs?  I believe thats the same question as "which loan, with the same payment, is paid off sooner?"

Thanks.

Post
#432480
Topic
Video Games - a general discussion thread
Time

C3PX said:

xhonzi said:

maybe should have called this game AeroShock or something with their long-running *Shock name other than BioShock.

Ha, I also thought AeroShock would have been a good name for the game (as BioShock followed SystemShock). I guess at this point, they feel the need to play off of the "BioShock" name since it has become such a popular brand.

Yeah... but at this point (2 whole frinkin' years before release) lots of things can change.

I think it's funny that the plot (outside man hired to infiltrate the city to rescue a certain lady) is the one they started with and then abandoned for BioShock1.  I wonder if it will stick this time?

Post
#432263
Topic
Video Games - a general discussion thread
Time

I went internet dark on Thursday night and didn't see the BioShock Infinite announcement until today.

I'm very interested in playing this game, but I am a little confused at calling it BioShock when it seems it will have little to no connection to the 2 Rapture based stories.  I do question how long they could have kept Rapture going... but they maybe should have called this game AeroShock or something with their long-running *Shock name other than BioShock.

Also, I'm wondering if this game will have a strong anti-Patriotism spin.  That will probably kill my interest in it.