The "Quick-Question" Thread- please see guidelines in 1st post

[saskflames69]

Originally Posted by Aeneas

Thanks. Forgot all about Tramps, didn't know they were still around.
Hate to ask what a "Dirty Tiger" is?

Giant Tiger.

The one in my city isn't that clean.

[MrMastodonFarm]

That used CD place in the Brentwood "mall"?

[Clarkey]

How often do women who wear thongs every day have skid marks? I'm told even if they're super hot they still do #2.

[Table 5]

Originally Posted by #22

I sat beside him on the bench, he put his head on my arms, we looked into each others eyes, I told him everything was all-right and it was time to rest. He relaxed, sighed, closed his eyes and gently went to sleep.

Yes, it was the hardest thing I have done in my life, but I wouldn't trade those last moments for anything. Being there at the end knowing he went peacefully gave me a real sense of closure and peace.

Good post.

If it's a sad and scary time for you, imagine how it is for your pet....especially if they were left alone on some cold exam table in some strange place. Being there for a pet during its last moments to give it little bit of comfort is the least someone can do for all the years of happiness.

I had the displeasure of putting our two cats down last year within a month (one had liver failure and the other FIV). It was extremely tough to do, but I like to think I made it a little bit easier being there with them till the end.

[MrMastodonFarm]

Originally Posted by Clarkey

How often do women who wear thongs every day have skid marks? .

The fat ones?

[Coach]

Originally Posted by undercoverbrother

11808 85 St. NW

1 403 662-3660

Funny, I was saving this until I had tome to go check it out. Then I googled the address.


Anyone else willing to make an actual suggestion?

[linecook]

How is the debt to income ratio calculated exactly for these studies saying Canadians have a debt to income ratio of 150%??? How I understand it is that you take your monthly debt divide it by your monthly income and that's pretty much it. But with a 150% debt/income, that means that Canadians aren't bringing in enough money to cover their debt payments, that can't be true. Don't you need a debt/income ratio less than 40% to even qualify for a mortgage???

Here's the latest story:
http://ca.finance.yahoo.com/news/can...142238525.html

[Canehdianman]

Originally Posted by linecook

How is the debt to income ratio calculated exactly for these studies saying Canadians have a debt to income ratio of 150%??? How I understand it is that you take your monthly debt divide it by your monthly income and that's pretty much it. But with a 150% debt/income, that means that Canadians aren't bringing in enough money to cover their debt payments, that can't be true. Don't you need a debt/income ratio less than 40% to even qualify for a mortgage???

Here's the latest story:
http://ca.finance.yahoo.com/news/can...142238525.html

Debt to income is calculated using TOTAL debt and ANNUAL income. The cost to service your total debt is (hopefully) less than your annual income.

My debt to income is well over 100%, but that's because I have a mortgage. Thankfully, my bank doesn't expect me to pay my mortgage off in one year.

[linecook]

Originally Posted by Canehdianman

Debt to income is calculated using TOTAL debt and ANNUAL income. The cost to service your total debt is (hopefully) less than your annual income.

My debt to income is well over 100%, but that's because I have a mortgage. Thankfully, my bank doesn't expect me to pay my mortgage off in one year.

So in a sense, the only reason why our debt/income is higher than other years is because more people own their own homes or homes are just overpriced.

[Canehdianman]

Originally Posted by linecook

So in a sense, the only reason why our debt/income is higher than other years is because more people own their own homes or homes are just overpriced.

That is certainly an explanation for some of it. I would guess that it has a lot to do with house prices being so high (compared to historical values).

It is absolutely insane how much money banks are willing to lend out.. I used less than 1/2 the amount I was approved for and I still managed to buy a nice starter house.

[MoneyGuy]

Does anyone know a good forum to discuss English rules and grammar? The ones I've found are generally about ESL or are poor sites.

[Table 5]

Originally Posted by Canehdianman

It is absolutely insane how much money banks are willing to lend out..

I had the opposite experience....I went through a fairly trying and drawn out experience just to get a fairly measly mortgage amount. I pretty much was barely able to get half of what I was pre-qualified for in the US, and only with a guarantor. I was a bit of a special case with being self employed and having most of my clients being out of country, but the amount most banks were willing to loan me was laughably (in the painful kind of way) low.

[Canehdianman]

Originally Posted by Table 5

I had the opposite experience....I went through a fairly trying and drawn out experience just to get a fairly measly mortgage amount. I pretty much was barely able to get half of what I was pre-qualified for in the US, and only with a guarantor. I was a bit of a special case with being self employed and having most of my clients being out of country, but the amount most banks were willing to loan me was laughably (in the painful kind of way) low.

I would bet that your circumstance is almost entirely attributable to this. For most major lenders self-employed (without 5+ years of income to back it up) = unemployed.

[#22]

^^^^
Yup, was self-employed and in construction when we applied for a mortgage. The bank told me that those two things combined made me the highest possible risk. The amount they approved me for was pathetic and insulting.

[Table 5]

I do wonder why some one self-employed with a multi-year record of income is a higher risk than someone with a job who's status they really have no control over. I'm my own boss and at least have a say in the direction of a company and whatever equity I build I get to keep, which you would think would count for something. Sure I might run my business poorly and my income could fall....but someone with a full-time job could get fired tomorrow and be making 0 dollars right away.

I think looking down on the self-employed is out-dated thinking. It's a different world out there now....the internet really changed everything. Lots of people work virtually and make a pretty nice income. I have absolutely ZERO clients in Calgary and can work from here just fine.

[Rathji]

We have a skunk issue at our place. We suspect it might be living under our deck, but can't confirm since it is the sides of the deck come right down to the ground except in one spot.

Is there any way we can convince him to leave, if he is actually living under there?

Would burying the entrance hole work, or would he just dig it out again?

[Manhattanboy]

How do I control my brain to stop thinking about a certain someone?

[AC]

Originally Posted by Manhattanboy

How do I control my brain to stop thinking about a certain someone?

Time. That's about it.

Or a lobotomy.

[undercoverbrother]

This summer when I was driving from Moab to Denver, we passed a large number of places that were looking to by Antlers. Does any one know why or for waht these would be used?

[undercoverbrother]

Why do some urinals have drains that look like wangs: