Swag

Now, a lot of people dont like soulja boy. And honestly, I hadn't.. But when I found out that him and his friends wrote and produced their music out of his house, I developed I knew found respect for him. We have to admit, he did reach a certain level of popularity ON HIS OWN ( and of course with the use of Youtube).

This song inspires me almost every morning. To me, it means just being happy. You are the ultimate decision maker when it come to your happiness. And when you wake up in the morning, feel good about yourself and be enthusiastic about the day. Me personally, My attitude dictates whether or not my day will end well, and when I say end well, I mean make any money.. I work and get spaid straight commission. Yep, so every morning I turn my swag on and get prepared to overcome any objection I may come up on during the day. Remembering any technical information someone my inquire on. But, everymorning when I turn my swag on I know I have what it takes to crush the competition. Come out on top and be number one.. Fellas, turn your swag on. Ladies.. Turn your swag on.. seize the day. You can have it all.. But for me personally... THE WORLD IS NOT ENOUGH!!!..

Profiles in African American History..

Colonel Charles Young was born March 12, 1864 to ex-slaves in the little hamlet of Mays Lick, Kentucky. He graduated from the U.S. Military Academy at West Point in 1889. This gave him the honor of being the third African-American to do so, in spite of the hatred, bigotry and discrimination he encountered as an undergraduate.
Colonel Charles Young is remembered and honored as a man of unique courage and inspiration. This was especially true for those of "goodwill", who knew him, and for those who followed him into battle. He stands honored both as an African-American and in the history of African-Americans in the U.S. military. His first assignment after graduation was with the Buffalo Soldiers in the 10th Cavalry in Nebraska, and then in the 9th and 10th Cavalries in Utah. With the outbreak of the Spanish-American War, he was reassigned as Second Lieutenant to training duty at Camp Algiers, Virginia.
On a day in June, 1918 retired Lt. Colonel Charles Young, made his way on horseback, 500 miles from Wilberforce, Ohio to this nation's capital, to show he was as always, fit for duty. There, he petitioned the Secretary of War (now called Secretary of Defense) for immediate reinstatement and command of a combat unit in Europe. The ride from Ohio to Washington D.C. brought bittersweet results. Young was reinstated and promoted to full Colonel, but he was assigned to duty at Camp Grant, Illinois. By the time his reinstatement and promotion were in effect the war was near its end.
Too weak to command in France they said, but not too weak to traverse and suffer the swamps of West Africa, Colonel Charles Young, was once again, assigned to Liberia as Military Attaché. He died at that post on January 8, 1922, while on a research expedition in Lagos, Nigeria.

Nigger Please !!!

Racism is Definitely Alive and Ticking. Your thoughts .. What would you have done, said, or how would you have reacted to seeing a dude roll past you with this T-shirt on?...

Classic!!

I must have watched this film about 100 times. Love this scene!

Harlem Nights.

Lesbian Or....

Lesbian

Now, I don’t know if this will offend you, but I have to tell you something. With all due respect – now I mean - with all due respect. You are one of the most beautiful women I have ever seen in my whole entire life. Now, I’m not sure of your sexual preference. I see you’ve been hanging out with the ladies real close, but at the same time our eyes connect from time to time. And I wanted to know if there was a possibility, that you might want to get some lunch or… or… eat some dinner with, or… go to the movies, or… or... Just hang out do nothing bug out and laugh and enjoy that space… with…. A… ummm……………………………………………………………………………………………………………………………………………………………………………………………………….. Man?

Name That Sample!!

Name that Sample!!

Clues: You dont have to listen to the Whole Song to get it.... He's a down south rapper, his album came out in 2008

GENIE

GENIE


This morning I woke up and I was still stuck in this damn bottle..

When I look out the Glass I can see "esoog yerg" stained on it. And I'm trapped.

I want to leave on my own but my mind is influenced by the contents I'm swimming in..

I can't think straight, my body feels heavy. And I just need to sit down for a moment......

Inside this bottle I have the ability to do whatever I like.

Under its influence PEOPLE have done whatever is considered taboo..

And cast the blame on its sweet liquid goodness...

I would like to escape, if rubbed right by the right sensual lady..

Escape to fulfill most of her fantasies and wildest dreams..

Too bad she probably won't remember me in the morning........

And I'll find myself stuck again..

In this damn bottle..

Toyota Supra Twin Turbo

Short videos to sum up why this has always been one of my dream cars..

CRACKED ME UP !!!

I'm into silly shit like this... dunno why.. always has me rolling !

Rapist Glasses..





Pedophile Beards..

"Gives you that creepy sex face women just can't resist"..lol !!







Stay at home Dad




.. I just had a good laugh.. should carry me through the rest of the day!! ...

7 Things You Need To Know Before You Refinance

Courtesy: Luke Mullins, USNews.com

Mortgage rates have declined sharply in recent months. Here's how to take advantage
With mortgage rates dropping to record lows, it's no surprise that more and more homeowners are looking to refinance. Earlier this month, the Mortgage Bankers Association's refinance index--which tracks application volume--hit its highest level in more than five years. This wave of refinancing applications was sparked by record-low interest rates on 30-year fixed mortgages, which fell to an average of 4.89 percent for the week ending January 9. And although mortgage rates have increased modestly since then--hitting 5.24 percent last week-- interest in refinancing remains elevated. But while some borrowers will be able to turn these compelling rates into real savings, not everyone can get in on the action. To better understand the refinancing process, here are seven things you need to know to refinance in today's market.

1. Percentage point break: Despite the attractive rates, homeowners will have to thoroughly analyze their financial position before determining whether or not now is the best time to refinance. A good rule of thumb, however, is if your mortgage rate is a full percentage point or more higher than current rates, you should consider refinancing, says Orawin Velz of the Mortgage Bankers Association. "If your rate is about 6 percent currently, then it is a good time to think about it," Velz says. (Keep in mind that anyone trying to refinance a so-called "jumbo loan"--one that's too large for Fannie Mae and Freddie Mac to purchase--will face sharply higher rates, says Keith Gumbinger of HSH Associates.) The transaction fees lenders charge are another major consideration. Higher fees, of course, eat into the potential savings of a reduced mortgage rate. So the lower the fees, the better. "The fees that you should be paying need to be low enough so that you can recoup your money through the break in the interest rate in a reasonable period of time--usually under four years," Gumbinger says. (More on fees below.)

2. Half rejected: Although more Americans are looking to refinance, a significant chunk of applications won't be approved. In the first half of 2008, roughly 60 percent of refinancing applications were turned into loans, Velz says. "But because of the intensified turmoil in the second half of the year and continued decline in home prices, we believe that the rate has probably declined to [about 50 percent.]" In order to qualify for refinancing, homeowners will need to meet certain specific criteria.

3. FICO 740: While 720 is still considered by some to be a solid FICO score, it's not good enough to obtain the best rates in today's refinancing market, says Chris Freemott, president of All American Mortgage in Naperville, Ill. Instead, borrowers will need a FICO score of at least 740. "FICOs are everything," Freemott says. "[A FICO score of] 740 is the benchmark for the lowest possible rates." Borrowers that don't have this score can still refinance, but they're likely to face higher rates.

4. Equity and documentation: Home equity can be another significant barrier to refinancing today. The real estate crash has sucked a great deal of equity out of homes. Zillow says roughly one in seven American homeowners actually have negative equity—meaning they owe more on their mortgage than their property is worth. In order to qualify for refinancing, homeowners will have to have a minimum of 3 percent equity in their homes, Velz says. In addition to solid credit and home equity, borrowers will also need to be able to document their income in order to qualify for refinancing.

5. Fee paying options: Fees associated with mortgage refinancing vary widely from market to market and borrower to borrower. But on average, a $200,000 refinancing loan may come with up to $6,000 in fees, Gumbinger says. Borrowers have three main options for paying such fees. Those with enough cash may want to just pay the fees up front. Borrowers with less cash on hand may be able to opt for a higher interest rate instead of paying the fees. A third possibility is to have the fees tacked on to the principal of the mortgage, Gumbinger says. The key is to chat with your mortgage lender about structuring the fee payment so that it makes the most economic sense for you. "I've been doing this for 11 years now and… I've never written the same loan twice," Freemott says. "Everyone has a little difference to their situation."

6. Shop around: Given tougher lending standards and falling home prices, homeowners--especially those without perfect credit profiles--may have to get used to hearing the word no. But just because one lender turns you down doesn't mean you can't find another who's willing to refinance your mortgage. "Two or three years ago, lenders were crawling through the doors and windows to serve you," Gumbinger says. "We're 180 degrees out from there right now. You have to go find the lenders." So shop around. Research rates online, call up different lenders, and find out who's willing to offer you the best deal.

7. Be patient: The wave of refinancing applications comes amid a period of significant downsizing in the lending industry. That means there are fewer employees on hand to handle the surge in business. As a result, expect slow service. "The time to even find out whether your loan has been approved or not could run 30 days," says Mark Hanson, a managing director who handles real estate and finance research at the Field Check Group.