Please contact your local Stratist priest, where you will recieve you penance.

		Deep Freeze wrote:
		My sincerest apologies, oh he of great flatulence. I am clearly not worthy........ HA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!      _strat_ wrote: Commoner! I was modest enough to share my wisdom with you, and thats how you treat me? I fart in you general direction!      Deep Freeze wrote: HAA!!!!!!!!!!!!!!!!! You want to talk about interest rates...???? HAAAAAAAHAHAHAHAHAHAHAHAHAAAAAAA!!!!!!!!!!!!!!!!      _strat_ wrote: Youre telling me? I have many talents, and Im very modest too. Infact, you could say that modesty is just one of my many traits.      Deep Freeze wrote: Ah, my friend! I am a man of many talents!      _strat_ wrote: Nah... You dont have to be like him (although you do a very good impression of him - talk to him, learn his language!). Ive just posted a pic of Darth Vader with the lines "I find your lack of win disturbing - may the fail be with you". That was enough to set him off. Since when do you speak Hebrew?      Deep Freeze wrote: HA!!!!!!!!!!!!!!!!!!!!!! It is a Yiddish (Jewish) word. It means "nothing." HAHAHAHAHAAA!!!!!!!  I had NO idea that I would need to go to such great lengths to get a "rise" out of that idiot. I do not wish to engage him that badly! I really do not think he will be back. Justin seems to have made his point quite clear!      _strat_ wrote: Lol... No, no, no... I doesnt work that way!!! Lmao... You have to PM him first! Push his buttons! Oh, and I know I will probably regret asking this, but what is bubkus?      Deep Freeze wrote: He actually PM'd you, strat???? You're kidding? After I flamed him or before I did so?? You know, that is NOT fair! I go over there, post as nasty a set of comments as I am capable, call him everything I can think of, do everything but bring his mother into it and I get NOTHING! ZIP! NADA! BUBKUS!!! I believe I have wasted a great rant!!!   HA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Youre telling me? I have many talents, and Im very modest too. Infact, you could say that modesty is just one of my many traits.

		Deep Freeze wrote:
		Ah, my friend! I am a man of many talents!      _strat_ wrote: Nah... You dont have to be like him (although you do a very good impression of him - talk to him, learn his language!). Ive just posted a pic of Darth Vader with the lines "I find your lack of win disturbing - may the fail be with you". That was enough to set him off. Since when do you speak Hebrew?      Deep Freeze wrote: HA!!!!!!!!!!!!!!!!!!!!!! It is a Yiddish (Jewish) word. It means "nothing." HAHAHAHAHAAA!!!!!!!  I had NO idea that I would need to go to such great lengths to get a "rise" out of that idiot. I do not wish to engage him that badly! I really do not think he will be back. Justin seems to have made his point quite clear!      _strat_ wrote: Lol... No, no, no... I doesnt work that way!!! Lmao... You have to PM him first! Push his buttons! Oh, and I know I will probably regret asking this, but what is bubkus?      Deep Freeze wrote: He actually PM'd you, strat???? You're kidding? After I flamed him or before I did so?? You know, that is NOT fair! I go over there, post as nasty a set of comments as I am capable, call him everything I can think of, do everything but bring his mother into it and I get NOTHING! ZIP! NADA! BUBKUS!!! I believe I have wasted a great rant!!!   HA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Yeah I agree..  I wanted everything to be legal.. So I took it to H&R block here... Since I had to file with 2 countries.

But I went to get them last week to mail into the USA.. and they were wrong... She screwed up a bunch of stuff.   400.00 dollars later and 9-11 errors I found after looking it all over.. And showed it to them they have to re-do them.  
Not to cost me anything..  But the woman says oh I guess I shoul have looked it all over before I had you sign..
Well DUH.. isnt that what Iam paying you for..  

I had a 60,000 income increase from the sale of a house.. I knew I would owe some money on ect... Which I planned for.  And she insited I was getting 1,600.00 backfrom the state of Montana.. I actually owe the 1,600.00 dollars..

Hopefully its all corrected ect.. and I can pick them up this week 

Cluster F*ck.. as Usual..... 

I just have to laugh.. I mean Can anything o right?? lol  Thank god for humor otherwise I would need to be heavily sedated. 

MG~

		Deep Freeze wrote:
		Do it yourself?? NEVER! Even I have an accountant, my dear. I do not operate on myself either! I have a doctor for that. I am the kind of person that leaves these things to the professionals.      MG_Metalgoddess wrote:   Class dismissed.. thats cute I understand... where you are coming from,  I must say Iam curious to see this program on the credit card  uproar. Make not to one-self.. :  have calculator out and ready!!  LOL   I mean just listening to them explaine that mortgage mess.. I wonder how many people actually were able to follow what the reporter was talking about in their explaining the whole fiasco. Well another day closer to Friday,.,, Hopefully I dont find any more errors, when the top account re-does my american taxes for last year.. I prob pissed them off by pointing out the errors, and mis calculations.. but hey.. I dont want to pay penalties.  they had me recieving money .. when I actually owed...  I want to get it done right and not have to worry about it, or be audited.. ( which is why I went to a proff to get them done.) Vrs- doing them myself.. I thought of all the legality ,,  Good Grief.. LOL  All I can do Is laugh I guess.. where do you go ?? LOL Hugs MG~      Deep Freeze wrote:   Good Day to you all!!! Very quiet here, I see. Hopefully, we are all studying about mortgages and interest!!  HA!!!!!!! Where the hell is strat??? OK, my "final" words on this subject; This is not a matter of "simple" interest. This is about amortized mortgage interest. An amortization table will show you how direct-reduction works. When you initially take a mortgage loan, your monthly payment is mostly interest and a little principal. In the first seven years or so, you pay only about 10% of the original balance. The rest is interest payment. It takes roughly 20 years to pay about HALF your balance!  Of course, the amount of the principal paid does increase year after year and, in the last five years or so, you get a reversal and are paying mostly principal and little interest. Keep in mind that, no matter how small the interest payment, you still are paying at the same interest rate. 6% is always 6% throughout the life of your loan. The interest you are paying is on the amount that is outstanding in any given year.  The dollar amount of interest you pay goes down because the balance (principal) goes down.  The interest rate is still constant. There are ways to get around the dollar amount paid. It is known as acceleration. Most people do this by paying a half-payment every two weeks instead of once a month. (Bi Weekly) this reduces the dollar amount of interest you pay IF you have a loan that allows it. THERE is ANOTHER story!! Pre-payment penalties! Usually, you are not allowed to pay more than 20% of the outstanding balance in  any given year because banks WANT that interest dollar! There is more but I think I have made my point. I have done this for TWENTY freakin years. It is not a simple formula. MOST people do not understand it and they pay far more than they have to as a result.  Class dismissed.

Class dismissed.. thats cute

I understand... where you are coming from,  I must say Iam curious to see this program on the credit card  uproar.

Make not to one-self.. :  have calculator out and ready!!  LOL  

I mean just listening to them explaine that mortgage mess.. I wonder how many people actually were able to follow what the reporter was talking about in their explaining the whole fiasco.

Well another day closer to Friday,.,, Hopefully I dont find any more errors, when the top account re-does my american taxes for last year.. I prob pissed them off by pointing out the errors, and mis calculations.. but hey.. I dont want to pay penalties.  they had me recieving money .. when I actually owed...  I want to get it done right and not have to worry about it, or be audited.. ( which is why I went to a proff to get them done.) Vrs- doing them myself.. I thought of all the legality ,,  Good Grief.. LOL 

All I can do Is laugh I guess.. where do you go ?? LOL

Hugs MG~

		Deep Freeze wrote:
		Good Day to you all!!! Very quiet here, I see. Hopefully, we are all studying about mortgages and interest!!  HA!!!!!!! Where the hell is strat??? OK, my "final" words on this subject; This is not a matter of "simple" interest. This is about amortized mortgage interest. An amortization table will show you how direct-reduction works. When you initially take a mortgage loan, your monthly payment is mostly interest and a little principal. In the first seven years or so, you pay only about 10% of the original balance. The rest is interest payment. It takes roughly 20 years to pay about HALF your balance!  Of course, the amount of the principal paid does increase year after year and, in the last five years or so, you get a reversal and are paying mostly principal and little interest. Keep in mind that, no matter how small the interest payment, you still are paying at the same interest rate. 6% is always 6% throughout the life of your loan. The interest you are paying is on the amount that is outstanding in any given year.  The dollar amount of interest you pay goes down because the balance (principal) goes down.  The interest rate is still constant. There are ways to get around the dollar amount paid. It is known as acceleration. Most people do this by paying a half-payment every two weeks instead of once a month. (Bi Weekly) this reduces the dollar amount of interest you pay IF you have a loan that allows it. THERE is ANOTHER story!! Pre-payment penalties! Usually, you are not allowed to pay more than 20% of the outstanding balance in  any given year because banks WANT that interest dollar! There is more but I think I have made my point. I have done this for TWENTY freakin years. It is not a simple formula. MOST people do not understand it and they pay far more than they have to as a result.  Class dismissed.