Anyone upside down on their mortgage? - Chicagoland Sportbikes
Chicagoland Sportbikes
 
Open Forum This forum is for all off-topic discussion.

Reply
 
LinkBack Thread Tools Display Modes
post #1 of 49 (permalink) Old 02-02-2008, 10:38 AM Thread Starter
Registered User
 
ClevisR6's Avatar
 
Join Date: Sep 2004
Location: West
Posts: 1,009
Location: West
Sportbike: 04 Zuma, 06 Crf50
Years Riding: sho' nuff!
How you found us: Nesba
           
Anyone upside down on their mortgage?

I checked my zwillow value and it is about what my mortgage balance is....
zwillow is kind of hit or miss, but it is not very encouraging.

If i walk away i save nearly $200k over the 7 years (mortgage, ptax, and insurance, etc) that i will have the foreclosure on my otherwise flawless credit history. it's not looking like the house will appreciate much if at all. i would have paid down $40k in principal in 7 years.

looks like i will be up 160k over 7 years.... if i put my mortgage savings each month into into my high yield saving acct it will be about $225k. so i guess i would really be up $185k over 7 years.

anyone in a similar situation?
ClevisR6 is offline  
Sponsored Links
Advertisement
 
post #2 of 49 (permalink) Old 02-02-2008, 10:55 AM
Go Hawks!
 
CHI1000RR's Avatar
 
Join Date: Mar 2005
Location: Plainfield
Posts: 3,541
Location: Plainfield
Sportbike: 1000RR (Sold) Looking
Years Riding: Long time but few miles
How you found us: I saw CLSB tatooed on some porn star's ass
           
Quote:
Originally Posted by ClevisR6 View Post
I checked my zwillow value and it is about what my mortgage balance is....
zwillow is kind of hit or miss, but it is not very encouraging.

If i walk away i save nearly $200k over the 7 years (mortgage, ptax, and insurance, etc) that i will have the foreclosure on my otherwise flawless credit history. it's not looking like the house will appreciate much if at all. i would have paid down $40k in principal in 7 years.

looks like i will be up 160k over 7 years.... if i put my mortgage savings each month into into my high yield saving acct it will be about $225k. so i guess i would really be up $185k over 7 years.

anyone in a similar situation?
depends on what you put down. Homes are worth about they were 18 months ago. So if you put almost nothing down within the last two years, you are probably even or a little upsidedown with RE fees to sell.

People who took out a 2nd to 100% LTV 12 months ago are most likely upside down. Spring may bet better with interest rates being so low, hopefully it wil spur the housing market.

My bank posted more dollars in mortgage aps last week than any other time in history. 75% of that was refi though.

We have come across quite a few apprasials that were down year over year.
CHI1000RR is offline  
post #3 of 49 (permalink) Old 02-02-2008, 11:03 AM
Registered User
 
JRSMAIL's Avatar
 
Join Date: Aug 2003
Location: Johnsburg, Il
Posts: 9,428
Location: Johnsburg, Il
Sportbike: A weed wacker
Years Riding: Just started today as a matter of fact..
How you found us: A dream I had once
           
Send a message via MSN to JRSMAIL
Afraid to look, but also do not plan on moving anytime soon.

Jon
MSF Instructor


<---- Useless

Always Stand For What You Believe In... Even If Means You Stand Alone...
JRSMAIL is offline  
post #4 of 49 (permalink) Old 02-02-2008, 11:04 AM
Registered User
 
Join Date: Jun 2005
Location: Chicago
Posts: 157
Location: Chicago
Sportbike: T509 Speed Triple
Years Riding: A while now
How you found us: google
           
Quote:
Originally Posted by ClevisR6 View Post
I checked my zwillow value and it is about what my mortgage balance is....
zwillow is kind of hit or miss, but it is not very encouraging.

If i walk away i save nearly $200k over the 7 years (mortgage, ptax, and insurance, etc) that i will have the foreclosure on my otherwise flawless credit history. it's not looking like the house will appreciate much if at all. i would have paid down $40k in principal in 7 years.

looks like i will be up 160k over 7 years.... if i put my mortgage savings each month into into my high yield saving acct it will be about $225k. so i guess i would really be up $185k over 7 years.

anyone in a similar situation?
When did you buy?

If you can afford the payment and didn't buy the place to flip it for huge profits in a year, why would you walk away? You still have a place to live, that's what a house is supposed to give you. All of these people bragging on their equity these past few were living in a fantasy unless they were able to sell at the top of the market. If you got an ARM that will soon adjust beyond your means with the thoughts of selling the place before it reset, you may be best off walking away though I'm sure it's not as easy as it sounds. Otherwise just stick it out, values will start going back up eventually though at a much more reasonable pace.
scooter is offline  
post #5 of 49 (permalink) Old 02-02-2008, 11:51 AM
Mr.President-FTMFW!!!
 
Rated R's Avatar
 
Join Date: Sep 2006
Location: Chicagoland Area
Posts: 1,483
Location: Chicagoland Area
Sportbike: 2006 750 GSXR Black & Yellow
Years Riding: 1 season (and then some)
How you found us: Wink
           
Send a message via AIM to Rated R
PM sent.

Rhasheeda
2006 GSXR 750


"I never asked for nothing I don't demand of myself
Honesty, loyalty, friends and then wealth"
Jay-Z, Justify My Thug

Quote:
Originally Posted by Slowass View Post
...I know it's trashy. Hense, the Slowass Experience.
Rated R is offline  
post #6 of 49 (permalink) Old 02-02-2008, 05:56 PM
Ex-Ninja
 
whitedawg's Avatar
 
Join Date: Jul 2004
Location: Joliet
Posts: 2,407
Location: Joliet
Sportbike: 04 Yamaha R1
Years Riding: 5 years
How you found us: Friend
           
Send a message via AIM to whitedawg Send a message via Yahoo to whitedawg
zwillow is usually low; when I'm doing HELOC apps what zillow says and what the actual electronic evaluation/driveby/walk through say is usually off, with zwillow usually being really low...
whitedawg is offline  
post #7 of 49 (permalink) Old 02-02-2008, 06:35 PM
Got my new Ride......
 
selston's Avatar
 
Join Date: Sep 2002
Location: Naperville, IL
Posts: 959
Location: Naperville, IL
Sportbike: YZ250, GSX-R750 K1, ZX-7R (RIP)
Years Riding: Since I was about 10 yrs old
How you found us: JimGoFast
           
Quote:
Originally Posted by ClevisR6 View Post
if i put my mortgage savings each month into into my high yield saving acct it will be about $225k. so i guess i would really be up $185k over 7 years.
Don't you need a place to live !?

That high yield accoutn will change !

So will thehouse prices

so will everything else



If you bought the house for the right reasons - there is no need to sell. Messing with your credit is not such a good idea either - you may pay for that in the long run. Foreclosure almost never makes sense (there is always a way out).

But if you have $25-50K in credit card debt & a pending foreclosure & ...., then sometimes bankruptcy might actually help (even in the long run).

- Sam
NESBA #749
selston is offline  
post #8 of 49 (permalink) Old 02-02-2008, 07:17 PM
Yamahaulin !!
 
Jobee's Avatar
 
Join Date: May 2004
Location: Deerfield
Posts: 959
Location: Deerfield
Sportbike: 2003 R6 Liquid Silver
Years Riding: 4 yrs
How you found us: on line
           
I thought the site is zillow not zwillow?

“Speed has never killed anyone, suddenly becoming stationary . . . that’s what gets you” Jeremy Clarkson
Jobee is offline  
post #9 of 49 (permalink) Old 02-03-2008, 12:17 AM
Registered User
 
elkhartr1's Avatar
 
Join Date: Oct 2007
Location: Elkhart, IN
Posts: 36
Location: Elkhart, IN
Sportbike: 07 Yamaha R1
Years Riding: 10 yrs
How you found us: member
           
Real Estate isn't bad now. . . just obvious!! Buy Now!!!!! Sell Later!!!! Simple huh?
elkhartr1 is offline  
post #10 of 49 (permalink) Old 02-03-2008, 01:08 AM
Registered User
 
Join Date: Jul 2005
Location: St. Charles Il
Posts: 1,578
Location: St. Charles Il
Sportbike: smokey one
Years Riding: a while
How you found us: stumbled onto you
           
Jingle mail is the new in thing, even the bigshots are doing it.

Troubled New York real estate titan Harry Macklowe has reached a tentative agreement with his lender to turn over effective control of seven Manhattan office buildings he triumphantly acquired less than a year ago for $7.2 billion ...

If a real estate titan can mail back the keys, why can't regular folks do the same?


http://calculatedrisk.blogspot.com/2...-becoming.html
5AXIS is offline  
post #11 of 49 (permalink) Old 02-03-2008, 01:31 AM
Registered User
 
Robs240's Avatar
 
Join Date: Feb 2008
Location: Pingree Grove, Il.
Posts: 1,364
Location: Pingree Grove, Il.
Sportbike: 01' ZX-6R
Years Riding: since I've been able to get it up:)
How you found us: google
           
dont mess with your credit. what ever you do. My wife is in the mortgage business and she comes across so may things and forclosure is nothing to mess with.

its crazy, people say that things are getting worse and i do agree, unemployment is going up witch means Prime rates are going down but, people that have been around long enough say that things will turn around.

PS. dont rely on zillow. Whitedawg knows what he's talking about

hand in there
Robs240 is offline  
post #12 of 49 (permalink) Old 02-03-2008, 03:21 PM
Cruising through life
 
Muskrat's Avatar
 
Join Date: Aug 2005
Location: Chicagoland
Posts: 2,175
Location: Chicagoland
Sportbike: '11 Harley VRSCF
Years Riding: 7 years
How you found us: searched under "degenerates"
           
we probably are upside down but with a fixed loan and no plans on moving until we retire in 25yrs i could really care less
Muskrat is offline  
post #13 of 49 (permalink) Old 02-03-2008, 04:19 PM
Listen to Motley Crue
 
norton's Avatar
 
Join Date: Apr 2005
Location: Illinois 60050
Posts: 2,339
Location: Illinois 60050
Sportbike: POSER
Years Riding: 3 Years
How you found us: Shadrach
           
People are upside down all the time on their cars. Where are those threads? Homes are meant to be lived in...........
norton is offline  
post #14 of 49 (permalink) Old 02-03-2008, 04:26 PM
Go Hawks!
 
CHI1000RR's Avatar
 
Join Date: Mar 2005
Location: Plainfield
Posts: 3,541
Location: Plainfield
Sportbike: 1000RR (Sold) Looking
Years Riding: Long time but few miles
How you found us: I saw CLSB tatooed on some porn star's ass
           
Quote:
Originally Posted by norton View Post
People are upside down all the time on their cars. Where are those threads? Homes are meant to be lived in...........
Cars are common as they are depreciating assets. Owning a home and being upside down is a fairly new concern for many people. Even buyers of a few years ago financing 100% ended up with equity within six months.
CHI1000RR is offline  
post #15 of 49 (permalink) Old 02-06-2008, 04:03 PM
Registered User
 
Join Date: Jul 2005
Location: St. Charles Il
Posts: 1,578
Location: St. Charles Il
Sportbike: smokey one
Years Riding: a while
How you found us: stumbled onto you
           
and the trend gains momentum

NEW YORK (CNNMoney.com) -- Mortgage payments are set to jump. Home prices have plunged. "I'm outta here."


http://money.cnn.com/2008/02/06/real...ex.htm?cnn=yes

These are interesting times
5AXIS is offline  
post #16 of 49 (permalink) Old 02-06-2008, 04:07 PM
Moderator
 
Chills's Avatar
 
Join Date: Aug 2003
Location: Naperville, IL
Posts: 23,640
Location: Naperville, IL
Sportbike: Kawi ZX-10R
Years Riding: Since February 2012
How you found us: NESBA bbs
           
Send a message via Yahoo to Chills
Quote:
Originally Posted by 5AXIS View Post
NEW YORK (CNNMoney.com) -- Mortgage payments are set to jump. Home prices have plunged. "I'm outta here."


http://money.cnn.com/2008/02/06/real...ex.htm?cnn=yes

These are interesting times
Interesting article. Indeed these are some f*cked up times.


Reality---> <---Irresponsible Lenders/Homeowners

Never a bad time to climb... unless the weather is really horrible, and then you climb inside!

I bleed GREEN
Chills is offline  
post #17 of 49 (permalink) Old 02-06-2008, 04:09 PM
CRF50 Squid
 
Join Date: Sep 2004
Location: Chicago
Posts: 9,588
Location: Chicago
Sportbike: K6 GSX-R 750, 1971 CL350
Years Riding: Veteran Poser
How you found us: Google
           
Send a message via AIM to Blah Blah Blah
Awesome. Maybe I can afford a 3 flat now.

"The man who makes me your enemy, it is he who be the guilty one....Here I abandoned peace and desecrated law; fortune it is you I follow. Farewell to treaties. From now on war is our judge!"
Blah Blah Blah is offline  
post #18 of 49 (permalink) Old 02-06-2008, 04:13 PM
Model citizen
 
Maynard's Avatar
 
Join Date: Oct 2005
Location: Rockford
Posts: 10,023
Location: Rockford
Sportbike: ktm
Years Riding: a few
How you found us: SBN
           
Quote:
Originally Posted by 5AXIS View Post
NEW YORK (CNNMoney.com) -- Mortgage payments are set to jump. Home prices have plunged. "I'm outta here."


http://money.cnn.com/2008/02/06/real...ex.htm?cnn=yes

These are interesting times
Interesting article. Shady practices are finally catching up with the lenders.

...and yes I encourage personal responsibility, but I put the majority of the blame for personal debt disaster of this country on the people handing out loans & credit cards

Eric
Maynard is offline  
post #19 of 49 (permalink) Old 02-06-2008, 04:35 PM
Go Hawks!
 
CHI1000RR's Avatar
 
Join Date: Mar 2005
Location: Plainfield
Posts: 3,541
Location: Plainfield
Sportbike: 1000RR (Sold) Looking
Years Riding: Long time but few miles
How you found us: I saw CLSB tatooed on some porn star's ass
           
Investor property in CA, one skewed end of the spectrum. CA and Florida have been hit the hardest. Properties were jumping 25% per year and $1,000,000 homes at that.

It may be better on his credit to walk away but he'll have a tough time next go around. Higher rates, fees and required down payment...
CHI1000RR is offline  
post #20 of 49 (permalink) Old 02-06-2008, 05:01 PM
Registered User
 
truckstop's Avatar
 
Join Date: Jun 2007
Location: Milwaukee, WI
Posts: 1,662
Location: Milwaukee, WI
Sportbike: RC31
Years Riding: Since '03
How you found us: it's a small world afterall
           
How much more do y'all think house prices will drop before things settle down again? Is it reasonable to offer someone $20K less than asking price if a house has been on the market for a while?

I thought this was really interesting: "Someone with good credit and a $600,000 home in a town with cratering real estate prices could buy a similar house nearby for $450,000, and then let the other $600,000 mortgage go into foreclosure."

So if they have good credit, and stay in the cheaper house, their credit will be fine again in a couple years. Crazy.

Another question: is it still possible to get 20/80 loans if one needs to finance 100%? Is this an ok way to go?

Swift Molly's Motor Circus
MichelinWoodcraftArmour BodiesSpyder LeatherworksSTTSTG

UNAPOLOGETIC FAN OF THINGS THAT ARE OLD AND SLOW
truckstop is offline  
post #21 of 49 (permalink) Old 02-06-2008, 05:25 PM
Joe Momma...
 
JoJo's Avatar
 
Join Date: Jul 2003
Location: Oak Park
Posts: 3,822
Location: Oak Park
Sportbike: None
Years Riding: 1,2,4,5 count d'z rocks biatch!
How you found us: member
           
Send a message via AIM to JoJo
Quote:
Originally Posted by truckstop View Post
How much more do y'all think house prices will drop before things settle down again? Is it reasonable to offer someone $20K less than asking price if a house has been on the market for a while?

I thought this was really interesting: "Someone with good credit and a $600,000 home in a town with cratering real estate prices could buy a similar house nearby for $450,000, and then let the other $600,000 mortgage go into foreclosure."

So if they have good credit, and stay in the cheaper house, their credit will be fine again in a couple years. Crazy.

Another question: is it still possible to get 20/80 loans if one needs to finance 100%? Is this an ok way to go?
It is reasonable to offer someone way less than just 20k less. When I was looking late last year sellers were begging for offers. The worst they can do is say no. It is possible to get 80/20 loans and 100% loans if your credit is good enough. I ended up with 100% but in hindsight should've done the 80/20. In most cases the 80/20 will give you a lower payment if you include the cost of PMI.

My name is JB, people call me JB

Quote:
Originally Posted by flinchy
"I wouldn't be surprised to see this guy catch a pass with his ass cheeks"
JoJo is offline  
post #22 of 49 (permalink) Old 02-06-2008, 06:11 PM
Registered User
 
truckstop's Avatar
 
Join Date: Jun 2007
Location: Milwaukee, WI
Posts: 1,662
Location: Milwaukee, WI
Sportbike: RC31
Years Riding: Since '03
How you found us: it's a small world afterall
           
Cool, we haven't made any offers yet and I wasn't sure how much is "insulting" to a seller. (I'm talking in the $170-$250K asking price range.) If you make an offer, and they don't like it, are they more likely to counter - or just straight up say no? If they do say no, can you re-submit an offer?

We're pretty set on the 80/20. Once our other debt is paid off, we can focus on getting the 20 paid off.

Swift Molly's Motor Circus
MichelinWoodcraftArmour BodiesSpyder LeatherworksSTTSTG

UNAPOLOGETIC FAN OF THINGS THAT ARE OLD AND SLOW
truckstop is offline  
post #23 of 49 (permalink) Old 02-06-2008, 06:18 PM
Joe Momma...
 
JoJo's Avatar
 
Join Date: Jul 2003
Location: Oak Park
Posts: 3,822
Location: Oak Park
Sportbike: None
Years Riding: 1,2,4,5 count d'z rocks biatch!
How you found us: member
           
Send a message via AIM to JoJo
Quote:
Originally Posted by truckstop View Post
Cool, we haven't made any offers yet and I wasn't sure how much is "insulting" to a seller. (I'm talking in the $170-$250K asking price range.) If you make an offer, and they don't like it, are they more likely to counter - or just straight up say no? If they do say no, can you re-submit an offer?

We're pretty set on the 80/20. Once our other debt is paid off, we can focus on getting the 20 paid off.
I wouldn't be concerned with insulting anyone. It is business and emotions should be left out of it. Sellers have less buyers out there AND they have to compete with the cheap foreclosures that banks are trying to unload. In most cases the seller will counter. You can submit another offer if they just flat out reject your offer unless they accept another offer.

My name is JB, people call me JB

Quote:
Originally Posted by flinchy
"I wouldn't be surprised to see this guy catch a pass with his ass cheeks"
JoJo is offline  
post #24 of 49 (permalink) Old 02-06-2008, 06:27 PM
Mr.President-FTMFW!!!
 
Rated R's Avatar
 
Join Date: Sep 2006
Location: Chicagoland Area
Posts: 1,483
Location: Chicagoland Area
Sportbike: 2006 750 GSXR Black & Yellow
Years Riding: 1 season (and then some)
How you found us: Wink
           
Send a message via AIM to Rated R
That is correct... (What JB is saying). This market is terrible for sellers. Make an offer below the price you are willing to pay. If that gets accepted then you are good because it's less then what you were going to pay anyway but if there are counters try to get as close to your price as possible. With this market just getting an offer is a challenge. Good luck!

Rhasheeda
2006 GSXR 750


"I never asked for nothing I don't demand of myself
Honesty, loyalty, friends and then wealth"
Jay-Z, Justify My Thug

Quote:
Originally Posted by Slowass View Post
...I know it's trashy. Hense, the Slowass Experience.
Rated R is offline  
post #25 of 49 (permalink) Old 02-06-2008, 06:52 PM
Registered User
 
kcaarider's Avatar
 
Join Date: Sep 2006
Location: Ann Arbor, MI
Posts: 1,148
Location: Ann Arbor, MI
Sportbike: 2005 600RR
Years Riding: 3 years
How you found us: Sex Offender Registry
           
Quote:
Originally Posted by 5AXIS View Post
NEW YORK (CNNMoney.com) -- Mortgage payments are set to jump. Home prices have plunged. "I'm outta here."


http://money.cnn.com/2008/02/06/real...ex.htm?cnn=yes

These are interesting times
Interesting times??? The moron bought two houses, both with adjustable rates, hoping he could make a quick buck. It's people like that who have worsened this problem even more. He bought two houses that he couldn't afford and screwed himself...

2005 600RR
kcaarider is offline  
post #26 of 49 (permalink) Old 02-06-2008, 06:57 PM
Registered User
 
kcaarider's Avatar
 
Join Date: Sep 2006
Location: Ann Arbor, MI
Posts: 1,148
Location: Ann Arbor, MI
Sportbike: 2005 600RR
Years Riding: 3 years
How you found us: Sex Offender Registry
           
Quote:
Originally Posted by Maynard View Post
Interesting article. Shady practices are finally catching up with the lenders.

...and yes I encourage personal responsibility, but I put the majority of the blame for personal debt disaster of this country on the people handing out loans & credit cards

I disagree. This is very close to the argument against guns. Guns don't kill people, people kill people. Lenders don't screw over consumers, consumers get greedy and screw themselves. If you can't balance a checkbook consider politics, not a homeowner...

2005 600RR
kcaarider is offline  
post #27 of 49 (permalink) Old 02-06-2008, 08:18 PM
Registered User
 
Join Date: Jul 2005
Location: St. Charles Il
Posts: 1,578
Location: St. Charles Il
Sportbike: smokey one
Years Riding: a while
How you found us: stumbled onto you
           
nah.. strictly biz.. think of it as options trading, just not worth holding anymore. It is a effective breach. A well tested tool in the arsenal of any biz. Not very nice, but nice has nothing to do with this stuff. The other linked articles in that one hit on a few more issues. Affordablity, and demographic issues are all still in play. Wanna follow a collosal Eff up, study the northern rock meltdown.
5AXIS is offline  
post #28 of 49 (permalink) Old 02-06-2008, 08:20 PM
Registered User
 
kcaarider's Avatar
 
Join Date: Sep 2006
Location: Ann Arbor, MI
Posts: 1,148
Location: Ann Arbor, MI
Sportbike: 2005 600RR
Years Riding: 3 years
How you found us: Sex Offender Registry
           
Quote:
Originally Posted by 5AXIS View Post
nah.. strictly biz.. think of it as options trading, just not worth holding anymore. It is a effective breach. A well tested tool in the arsenal of any biz. Not very nice, but nice has nothing to do with this stuff. The other linked articles in that one hit on a few more issues. Affordablity, and demographic issues are all still in play. Wanna follow a collosal Eff up, study the northern rock meltdown.
Ya I understand your point, I just don't like how the article is using him as an example of the housing crisis... Thats a business he was trying to run.

2005 600RR
kcaarider is offline  
post #29 of 49 (permalink) Old 02-06-2008, 08:25 PM
Go Hawks!
 
CHI1000RR's Avatar
 
Join Date: Mar 2005
Location: Plainfield
Posts: 3,541
Location: Plainfield
Sportbike: 1000RR (Sold) Looking
Years Riding: Long time but few miles
How you found us: I saw CLSB tatooed on some porn star's ass
           
Quote:
Originally Posted by kcaarider View Post
Ya I understand your point, I just don't like how the article is using him as an example of the housing crisis... Thats a business he was trying to run.
exactly but enough examples of this will increase foreclosures/inventory. Biz Week has a pretty scary article out this week stating the bottom is at least 1 year away. Some analysts predict home prices need to correct to 2000 levels.. I hope they're wrong.
CHI1000RR is offline  
post #30 of 49 (permalink) Old 02-06-2008, 08:29 PM
Registered User
 
kcaarider's Avatar
 
Join Date: Sep 2006
Location: Ann Arbor, MI
Posts: 1,148
Location: Ann Arbor, MI
Sportbike: 2005 600RR
Years Riding: 3 years
How you found us: Sex Offender Registry
           
Why are we arguing this, , We have a writer in the article who bought two houses for a million dollars when the housing market was already knowingly unsustainable. Maybe he'll write a sit-com on moron land speculators with very little capital...

2005 600RR
kcaarider is offline  
Reply

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the Chicagoland Sportbikes forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
Display Modes
Linear Mode Linear Mode



Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome