Welcome to the IHoP

[mrray13 30]

dennis..depends on your credit, length of loan.

I just need to make up a number for my accounting class. We played Monopoly and the professor told us to make up a reasonable interest rate on bank loans. I searched online and it said 6-12%. Sound about right?

yep...

i'd say the average is in the 8.9-9.9 area....

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[mrray13 30]

you know...trying to grow long hair when it's naturally curly, well......

looks like i'm sporting a fro...

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

nice!

lol..i just tried with the camera phone....doesn't really do it justice. i will get one though...

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[Acidburn 10]

le arrrgghhh, french pirate with a fro.... **waits impatiently**

[mrray13 30]

it'll be later this evening....i'll get one with it as is, and then run a brush through it for maximum fluff. yep, i said maximum fluff..lol....

leeeee aaarrrggghhhhhhhh

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[JimJ 11]

I need a haircut.

I've got the David Crosby/Graham Nash thing going on.

[Acidburn 10]

I need a haircut.

I've got the David Crosby/Graham Nash thing going on.

haircuts = overrated

[Acidburn 10]

/\ TOP

[mrray13 30]

http://www.vzwpix.com/mi/160555906_5298295...;border=2,0,0,0

that might get ya to one....

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[Acidburn 10]

http://www.vzwpix.com/mi/160555906_5298295...;border=2,0,0,0

that might get ya to one....

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

no worky

[mrray13 30]

works for me.....

hmmmm

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[Adrian_D 520]

link no worky for me either

[mrray13 30]

there ya go...

remember, camera phone. better pics later.

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[mrray13 30]

saw this on a old dyna during last weeks ride...

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[Acidburn 10]

every subwoofer and subwoofer part i own is currently in my car

[mrray13 30]

isn't that where they belong?

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[Acidburn 10]

lol nice pics Kent

[Acidburn 10]

isn't that where they belong?

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

umm, well, i have a few oddities and only a couple of them work lol

[Adrian_D 520]

chit, phone camera with flash ?

i got left behind in this technological race

[Adrian_D 520]

isn't that where they belong?

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

all the subwooferage related gear i have is currently in my house

[Adrian_D 520]

good night ~

[mrray13 30]

funny, those curls on my forehead will reach down between my eyes when pulled straight. the curls on the side, towards the top will pull out top pass my ears. yeah, the hair is curly, lol.

oddities are good tom.

adrian, i just got the flash phone about 4 months ago, or so...

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[mrray13 30]

T.O.P. bastages!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[mrray13 30]

have a good one adrian...

wheeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee

[///M5 2,833]

lol yay for spam!!!

Just got back from looking at mountain bikes. Man they look awesome, I'm gonna try one out tomorrow to see if I really like it or not. I hope I do b/c it really looks neat.

what are you looking at?

well the shop had basically two bike brands, trek and something else...didn't catch the other name. There was in the 300-500 dollar price range and looked like really nice bikes. Felt pretty nice as well. I just really want to do it for some reason. I mean I live in Arkansas, there are plenty of areas to ride.

In that price range I'd highly recommend a used bike.

well as a matter of fact someone is selling a bike, a friend of mine for 250. I don't know much about bikes so I don't know if it's good or not. Here is his message he sent to me word for word talking about the bike.

"Specialized Hardrock, 2 years old I just put on new shimano cranks and got it tunned up at high roller. The bike has only been road prob 12 times. Its in excellent condition $250" Do you think I just wanted to try it out and see if I liked it that this would be a good deal? Or should I just look on ebay and find something used? Please tell me your thoughts sean!!

oh and morning hop

Ask him what component set the bike has. In that price range that will pretty much define what its worth. Also is it the right size for you? To tell sit on the seat and keep raising it until when the pedal is all the way down your leg can get straight. Make sure the seat can at least go 2" and 2" lower from there and it should be pretty close anyway. The handle bars should be comfortable then as well.

[///M5 2,833]

What's a typical bank loan rate?

0-5% on a brand new car

5% on real estate

8%-10% on a used car

11%+ on a credit card