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Author Topic: "Hair of the Dog" according to Rick Schaffer.  (Read 11922 times)

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Offline hogsrunwild

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #50 on: November 14, 2017, 07:01:41 PM »

A quick google says mortgage rates were around 7% in 2002.  I think the amortization works out pretty close to $375k after 15 years on a 30 year loan. Also, he’s in default, so he presumably hasn’t been paying for all 180 months.


WHY THE FUCK WOULD YOU NOT REFINANCE at the ~3% rate that we had recently if you were stuck at 7%?


I did the math up to around 6% since I didn't think anyone still at anything higher than that.  Guess at around 7% it might work out.  Got up to around 355k at 6%


If they did a refi at half the interest rate for again, a full 30, they could lower their payments to a point that they could actually afford them most likely. 


Granted, maybe they are so upside down on the home that they just want out from under it.  I mean, a custom home?  It probably has murals of HDN, nude, all over the place and they just can't sell it.

« Last Edit: November 14, 2017, 07:03:51 PM by hogsrunwild »
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Offline Count Porkula

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #51 on: November 14, 2017, 07:04:21 PM »
What?  No one has started a Go Fund Me yet?

He isn't Danny

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Offline Clark

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #52 on: November 14, 2017, 08:49:13 PM »
Maybe we could buy Rick a new iPhone and he could write up some practice reports for us.

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Offline big_pig

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #53 on: November 14, 2017, 09:48:13 PM »
I'll pitch in ten bucks...



to get him a decent hair cut.

I am not claiming I am right, I am saying I don't get it.

Offline Boondoggle

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #54 on: November 15, 2017, 02:22:30 AM »
I'll pitch in ten bucks...



to get him a decent hair cut.


I don't know, the haircut makes the man in this case. It's very unique. Also looks like he's working on sort of a monk's tonsure with that bald spot developing in the back. It might even score him some sympathy points in bankruptcy court.

Keep the bowl cut, it goes well with his blather.


« Last Edit: November 15, 2017, 02:25:03 AM by Boondoggle »
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Offline Law_Hawg

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #55 on: November 15, 2017, 08:56:39 AM »


There's a hearing at 9:00 this morning.  Any Woopiggers giving live updates?


Offline 1st_down_streak

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #56 on: November 15, 2017, 08:58:29 AM »
His wife skims herself a healthy 230k a year off her charity so unless they are living way above their means they should be able to afford that much house

https://www.charitynavigator.org/index.cfm?bay=search.summary&orgid=16519

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Offline Law_Hawg

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #57 on: November 15, 2017, 09:00:18 AM »
His wife skims herself a healthy 230k a year off her charity so unless they are living way above their means they should be able to afford that much house

https://www.charitynavigator.org/index.cfm?bay=search.summary&orgid=16519


What's his salary with the Springdale School District?


Offline HogofWar

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #58 on: November 15, 2017, 09:12:54 AM »

I don't know, the haircut makes the man in this case. It's very unique. Also looks like he's working on sort of a monk's tonsure with that bald spot developing in the back. It might even score him some sympathy points in bankruptcy court.

Keep the bowl cut, it goes well with his blather.



I bet he eats his own shit.


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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #59 on: November 15, 2017, 09:16:52 AM »
His wife skims herself a healthy 230k a year off her charity so unless they are living way above their means they should be able to afford that much house

https://www.charitynavigator.org/index.cfm?bay=search.summary&orgid=16519

that is fucking ridiculous. i was the controller for a quasi gov't non-profit for 2 years with twice that budget and 15 locations and our director didn't make more than 40% of that.


Offline 1st_down_streak

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #60 on: November 15, 2017, 09:20:42 AM »

What's his salary with the Springdale School District?

$75k + a toupee

http://www.arkansasonline.com/right2know/schoolsalaries

Springdale School District   Richard A. Schaeffer, Jr   Info & Communication Spec   $75,552.00

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Offline Phat_Hawg

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #61 on: November 15, 2017, 12:38:07 PM »
$75k + a toupee

http://www.arkansasonline.com/right2know/schoolsalaries

Springdale School District   Richard A. Schaeffer, Jr   Info & Communication Spec   $75,552.00

Which is also ridiculous as they could hire a new marketing graduate from the UA who could easily do that job for half that.

"Lemme guess.. when you shake hands you offer a FIRM grip don't you.. or you think dick size matters? LMMFAO! nobody can do nothing about what your born with, and God gives everyone exactly what they need, your heart is the only thing that matters...Plus, my dicks little, but ask anybody that's kicked it in the sack with me and they'll tell you whats up.."

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #62 on: November 15, 2017, 12:42:30 PM »

WHY THE FUCK WOULD YOU NOT REFINANCE at the ~3% rate that we had recently if you were stuck at 7%?


I did the math up to around 6% since I didn't think anyone still at anything higher than that.  Guess at around 7% it might work out.  Got up to around 355k at 6%


If they did a refi at half the interest rate for again, a full 30, they could lower their payments to a point that they could actually afford them most likely. 


Granted, maybe they are so upside down on the home that they just want out from under it.  I mean, a custom home?  It probably has murals of HDN, nude, all over the place and they just can't sell it.


People in shitty financial situations often have made shitty financial decisions along the way.


Offline Arkansas Proud

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #63 on: November 15, 2017, 12:44:55 PM »
Which is also ridiculous as they could hire a new marketing graduate from the UA who could easily do that job for half that.

Not if it's a school district job, which it looks like.


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Offline Phat_Hawg

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #64 on: November 15, 2017, 12:58:14 PM »
Not if it's a school district job, which it looks like.

As far as the listed legal requirements you might be right.  But I know what that job actually entails and I know what Schaeffer actually does and I assure you a new marketing graduate could do it and would do it for half that salary.

"Lemme guess.. when you shake hands you offer a FIRM grip don't you.. or you think dick size matters? LMMFAO! nobody can do nothing about what your born with, and God gives everyone exactly what they need, your heart is the only thing that matters...Plus, my dicks little, but ask anybody that's kicked it in the sack with me and they'll tell you whats up.."

Offline Arkansas Proud

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #65 on: November 15, 2017, 01:07:36 PM »
As far as the listed legal requirements you might be right.  But I know what that job actually entails and I know what Schaeffer actually does and I assure you a new marketing graduate could do it and would do it for half that salary.

Sure, but the minimum salary is well over half that amount. 

"I completely agree." -- Stephen Coalboar on August 22, 2014 at 11:39 a.m.

Offline Razor B

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #66 on: November 15, 2017, 01:13:16 PM »
$75k + a toupee

http://www.arkansasonline.com/right2know/schoolsalaries

Springdale School District   Richard A. Schaeffer, Jr   Info & Communication Spec   $75,552.00

Those are plugs.  Lou Holtz got them too.


Offline bleedinred

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #67 on: November 15, 2017, 01:28:30 PM »
As far as the listed legal requirements you might be right.  But I know what that job actually entails and I know what Schaeffer actually does and I assure you a new marketing graduate could do it and would do it for half that salary.

What surprised me, at least in the Benton School District, are the number of people who make $80-$100K.  It also surprise me the number of people who I had as teachers 25 years ago that are making less than $60K.


Offline Boondoggle

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #68 on: November 16, 2017, 06:29:38 PM »
$75k + a toupee

http://www.arkansasonline.com/right2know/schoolsalaries

Springdale School District   Richard A. Schaeffer, Jr   Info & Communication Spec   $75,552.00
Those are plugs.  Lou Holtz got them too.


Regardless, obviously Rick didn't avail himself of the company toupee, as well he should have.

At least Lou got a stylish "thatched roof" look with his plugs instead of the "Moe Howard" design that Rick is sporting.

 :borat:

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Offline The Red Death

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #69 on: November 16, 2017, 06:54:19 PM »
Cousin Rick: If only I had that money Adelaide and I gave to that TV preacher who was screwin' that hockey player.

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Offline 1st_down_streak

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #70 on: November 16, 2017, 08:57:24 PM »
My wife rented a uhaul, took the day off from work and delivered 4,000 lbs of donated food to area schools for a non-profit she helps run. She got paid in smiles and thanks.

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Offline Arkansas Proud

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #71 on: November 17, 2017, 01:37:31 AM »
My wife rented a uhaul, took the day off from work and delivered 4,000 lbs of donated food to area schools for a non-profit she helps run. She got paid in smiles and thanks.

Nice job.   :thumbup:

But, did she post it on facebook?  If not, it didn't happen.

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Offline Phat_Hawg

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #72 on: November 17, 2017, 10:41:42 AM »
Nice job.   :thumbup:

But, did she post it on facebook?  If not, it didn't happen.

Ok that's funny.

"Lemme guess.. when you shake hands you offer a FIRM grip don't you.. or you think dick size matters? LMMFAO! nobody can do nothing about what your born with, and God gives everyone exactly what they need, your heart is the only thing that matters...Plus, my dicks little, but ask anybody that's kicked it in the sack with me and they'll tell you whats up.."

Offline hogsfan4life

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #73 on: November 17, 2017, 11:10:44 AM »
$75k + a toupee

http://www.arkansasonline.com/right2know/schoolsalaries

Springdale School District   Richard A. Schaeffer, Jr   Info & Communication Spec   $75,552.00

Is he paid in oranges/chickens?

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Offline Turd F.

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Re: "Hair of the Dog" according to Rick Schaffer.
« Reply #74 on: November 17, 2017, 01:05:04 PM »
My wife rented a uhaul, took the day off from work and delivered 4,000 lbs of donated food to area schools for a non-profit she helps run. She got paid in smiles and thanks.

Your wife is good people.  :beer:

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