HelloNewman

Pittsford Federal Credit Union......www.pittsfordfcu.org......we were told 5% and at closing we were down to 4.875 because the loan officer said if it goes lower between the time we applied and closing we would get the lower rate. We paid 0 points ......I know there was a 1/2 point origination fee but I live in NYS and to close on a house the taxes/interest/fees kill you which is why it came to 4k in closing costs. The county I live in (Wayne) charges a 795.00 tax because they can on any mortgages done or re-done (50 cents per 1000 assesed tax). Biggest joke in the world this county government if you ask me but that is NYS for you...there never is a tax we do not like.

I have so much snow up here in Upstate NY (Rochester) that the width of my driveway is slowly closing in on me everyday because I cannot put the snow anywhere anymore....our snowbanks in our driveway is up to my jewels and winter isn't even over yet. I will take your heatwave over this christmas nightmare anytime. By the way, I also love right after I shovel myself out again for the 99th time the damn village snowplow drives by and plows my enterance in another 2 feet of wet/slushy/brown snow. Everytime he makes a pass-by my driveway enterance close another 3 inches.

4.875 % for 30 years.....our original APR back in 2001 was 7.375% We have to start over again for 30 years of payments and we lose 7 years of equity payments but our closing costs were rolled into our mortgage (approx $4000) because who the hell has that kind of money with a child to support? Anyway our mortgage payment went from 1019.00/ month to now 801.00/ mo. Now is the time to refinance if you can on your home. Just FYI

We won't take this guy....(not that I have a crystal ball).... he does not fit into the Dick Jauron style of hugs, kisses, and coddling that goes on at One Bills drive. We will reach for some unknown in a la Donte Whitner style move. THat is where my money is.

When my wife and her mother get together and talk it is like living in a hen house. What do they talk about? NOTHING!!

I wish my girlfriends here would just give me a call beforehand to tell me they miss me

They say that for attention....what they are looking for is for someone to reply.... "oh no you do not look ugly...you are the most beautiful girl in the enitre world...." just an insecure girl looking for attention

I'm so tough I shave with an axe Then I use a machete to get the back hair (longer blade)

He is waiting until Wednesday because his Taurus is in the shop for a new muffler and will be ready then

Deepthroat LOL

I can hear the phone call now.... RALPH: "Hello Pete? How would you like to coach the Buffalo Bills?" Pete Carroll: *CLICK* BUZZZZZZZZZZZZZZZZZ

Just some warning regarding those GPS units....they are like candy to thieves....DO NOT I repeat DO NOT leave them mounted on your windshield in your car...if you do take it off wipe down the suction cup print it leaves behind on your windshield or else you will come back with a car minus 1 GPS and a busted windshield for your trouble.

AMEN

How about Babby April for head coach?? He gets players to play hard for him and he is very emotional on the sidelines and he might come cheap which Ralph Wilson likes and isn't he assistant head coach now?? just a thought....

Here is a video I previously posted that will make anyone smile..... Babies x 4

Leg injury my foot...... I do not see him limping, on crutches, get your A$$ out there and play you pro bowl pu$$....

Doddering? Ok how about.... clueless, idiotic, sad, sorry, simpleton, half-wit, bumbling...... he does need a reality check

I have been reading her Twas the night before Christmas and she loves it. She is just starting now to understand who Santa is and what he looks like. We teach our daughter Santa and the religious meaning of Christmas too...she even has her little meanger set that she loves to play with. Anyway, so one day instead of saying "the stockings were hung by the chimney with care....." she has referred to the book as "the stocking were hung by JIMMY with care." We have nobody named Jimmy anywhere in her life and it just cracked me up. Kids....they are a heck of a lot of work but worth every effort when they say cute things like that.

BEEF MOE!!!

*ring**ring* "Hello Bill? Hi Bill this is Ralph Wilson calling.....I was wondering if you would like to coach a team that has lots of problems but you will not only be the coach but the GM and will be in charge of all player personnel decisions on the football side of things and you will be able to hand pick your scouting staff and pro player staff." (Knowing our luck what you will hear next is simple.........*click*) but it is worth a try

Depends on a lot of things....what was said in the contract itself like "you have to win X number of games or no extension" which will give you an out or eat the contract which I doubt that will happen or make him quit like Mularkey, or buy him out for 1/2 the value if truy signed. All I know is he has lost this team like GW did. IMHO

Think about all the dumb decisions Dick and his coaching staff have made that have cost them games. The fact that Ralph Wilson is not supporting Dick Jauron to the media and players like Josh Reed questioning the decision of today's roll-out play call and Edwards not seeing eye to eye with the OC is a direct reflection of the head coach. Ralph Wilson is not a dummy, cheap maybe, but not a dummy. He sees his team swirling the drain and ending up a laughingstock. The fact when he was asked about the extension he changes the subject instead of praising Jauron that in itself speaks very loudly that DJ will not be back next year.

Another talentless performance by JP.....if he is a 3rd stringer next year on any team I would be surprised. Overthrown, sack, fumble, inaccuracy, game over. Thank you very much

Drunk man sues town over the injury because they should have locked that cover down and the sewer hole was in a bad place therefore negligence.....collect millions. God Bless America

Collinsworth is right