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  1. hakrjak

    Fastlane Fantasy Football - Year 2

    OFF-TOPIC 
    I think MJ is just trying to screw with your head ;) - Hakrjak
  2. hakrjak

    Fastlane Fantasy Football - Year 2

    OFF-TOPIC 
    Not long enough for me to get back into the run for the playoffs it seems... haha But I'll continue to do as much damage as possible until the end! Taking down Merkins this week was sweet ;) - Hakrjak
  3. hakrjak

    Dealing with Passive Aggressive / Ungrateful people

    Cut them out of your life completely. People like that generally don't change. Had a rough spot in the past couple years with a family member who took this to the extreme. She is no longer a part of our lives, although the offer is there to make up any time she is willing to change. - Hakrjak
  4. hakrjak

    Your favorite watches

    OFF-TOPIC 
    The Movado Series 800 is a big watch. I like big heavy time pieces with a lot of gold and weight to them, so you know you are sporting an expensive watch ;) Never say never. ;) I don't know your situation, but once you get rolling, a couple of $K is not a lot to throw down on a nice watch...
  5. hakrjak

    Your favorite watches

    OFF-TOPIC 
    I recieved the Movado Series 800 from my lovely wife as a wedding gift last month, and absolutely love it. A very fine Swiss watch, and high above the "beginner" model I had before: http://www.movado.com/Details.aspx?Id=collectionseries 800&watchType=collection&watchCode=series...
  6. hakrjak

    Lose some weight now &!tch

    MINDSET 
    I think the most important part of making any lifestyle change is to first have a valid reason why. i.e. -- your children, your family, etc... I was watching Biggest Loser a couple weeks ago, and when one guy kept stopping on the treadmill, the personal trainer told him -- "Every time you...
  7. hakrjak

    How are you, PhxMJ?

    OFF-TOPIC 
    You know what's ridiculous? My employer added a catastrophic plan to our choices this year, and it costs more than the HMO plan I was already on... Couldn't believe it! Just goes to show that Health Insurance is screwed up big time! Just like the mortgage industry.... - Hakrjak
  8. hakrjak

    Asset Protection for Real Estate investors

    Even if you transfer a property into a double blind LLC, you can't simply walk away from it... How are you going to get around that the loan has your name and personal guarentee on it? - Hakrjak
  9. hakrjak

    Eye opening blog on Loan Modification

    REAL ESTATE 
    Just read this and thought I'd share... It's a pretty eye opening look at the Loan Modification process for people facing foreclosure -- How Banks View Loan Modifications - Mandelman Matters
  10. hakrjak

    So.... you know what's going on. Now, what to do?

    REAL ESTATE 
    One thing I can add to my earlier comments is that those of us that are living by the ARM are going to die by the ARM if inflation really happens and shoots mortgage rates to 10%, as some are predicting. A lot has to happen for that to take place though... Stay tuned... Without my ARMs, I...
  11. hakrjak

    The last Internet business

    So far a version of AI has already been used to eliminate an untold number of call center positions. When you call up to many companies now you hear, "Hi I'm Jenny, how can I help you?" and you say "I need help with my bill..." and she says, "Ok, I understand you need help with your...
  12. hakrjak

    Reason 101 why BofA Sucks!

    REAL ESTATE 
    Like someone said above -- I'm surprised this isn't totally illegal.... If I hadn't already shredded the letter in disgust, I would have sent a copy to the FTC to investigate fraud... They are outright lying about the #'s in order to trick their customers into refi'ing their loans from notes...
  13. hakrjak

    Reason 101 why BofA Sucks!

    REAL ESTATE 
    Their math is clearly very screwed up. I'm not sure what they are trying to reference, but by my calculations, my payment including P&I should drop to around $800, so no idea what they are referencing!?! You know what's funny is that First Horizon pulled the SAME BS with me... And I called...
  14. hakrjak

    Reason 101 why BofA Sucks!

    REAL ESTATE 
    Yesterday I got a letter in the mail from BofA... They want to warn me that the loan on my primary residence is going to adjust in April of 2010.... Very nice of them, right? I've been through this 10+ times before with other banks though in the past few years, so I read on.... On the...
  15. hakrjak

    US credit shrinks at Great Depression rate

    INVESTING 
    So far it's not the consumer credit that I've experienced being slashed so bad as it is he small business and commercial credit.... I still have 85% of my personal credit cards & lines, but I've lost about 50% of my small business/commercial cards & lines. Also I can get a private mortgage for...
  16. hakrjak

    So.... you know what's going on. Now, what to do?

    REAL ESTATE 
    I'm feeling the frustration setting in over here... As someone who feels like he should be making a lot of money in this sideways market -- And who in reality is losing his shirt. I'd say buy more Real Estate, but nobody has any money right now!!!! Even with great credit, you can't borrow at...
  17. hakrjak

    How long would 80-Million dollars last YOU?

    HOT! 
    This makes me sick... I could live off of $500k for the rest of my life. It's getting the $500k that has been the hard part. - Hakrjak
  18. hakrjak

    Happy BDay MJ

    OFF-TOPIC 
    Sorry to hear about the drama... If I were you, I'd take a week or 2 to myself on a beach somewhere and just enjoy yourself. Happy Birthday! - Hakrjak
  19. hakrjak

    CC Fees Coming - Even For Good Customers

    This has got to be the direct result of the government passing those laws to "protect" us form the evil credit card companies earlier this year!!! They need to make up those lost profits somehow... The morons who supported that act of Congress are going to reap what they have sewn at this...
  20. hakrjak

    Preparing for the next housing decline

    REAL ESTATE 
    We need to all look to the lessons of the past 5-10 years, and make sure we learned from those lessons. It sounds like many have not... For me, the #1 lesson people should look at is: Home prices are DIRECTLY tied to incomes in the long run. In the early 2000's -- Myself and others were...

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