I found this on an internet search, not sure if it is true:
Question
Why is pubic hair coarse? ... And the hair on head is soft? I can't shave against the grain in my pubic region because the hair is so coarse and hurts so I shave w/ the grain.
Answer
It acts as a pheromone trap. Pheromones are scents the body produces that generate sexual arousal in a partner. It is believe that perhaps the pubic hair captures these and the scent wafts into the
Since countrycouple mentioned FEMA (Federal Emergency Management Agency) I feel a greater need to whine.
I live in an area in Michigan that FEMA has deemed to be in a flood zone, I have 90 foot of lakefront property, on Lake St. Clair. So here's the "issue" I have, I applied for a home equity line of credit and of course, my house is my collateral. So because my house is my collateral and because FEMA has deemed me to be living in a flood zone (according to the paperwork I received, I have a 1% chance [Yes, 1% chance] of experiencing flood damage) a precondition to this home equity line of credit, I am required to by flood insurance. Anyone who has had to buy flood insurance knows it ain't cheap.
So in order to even get a quote on how much flood insurance will cost, I have to provide the insurance company with an elevation certificate (at the tune of $600.00) and have a civil engineer come out to survey my property. He comes out, does what he does, provides all the longitudes and latitudes and BINGO, I am NOT in a flood zone, I'm above it.
To make a long story as short as possible, if I want a loan from the bank, as long as FEMA says I'm in a flood zone, I will need to purchase flood insurance to secure said loan and then "fight" with FEMA, a federal agency. Oi, what a headache!
It's a catch 22 and a royal pain in the ass,,,every time i have to deal with flood insurance i go ballistic,,, my house is on a hill,,if it floods we'll need Noah to rescue us,,yet, because the surrounding area is in flood zone, guess what??? Government,,it's needed like root canal work,,you submit,,but,,with a lot of pain
Like twowarmtts house my parent's previous house is high on a hill yet because the horizontal distance viewed on a map put his house close to a river and in a potential flood zone he had to waste a lot of time convincing various people that he was not at risk of flooding.
Can't officials read maps?
UGH! I am again reupping my HELOC. I want to install new carpeting and fix my driveway and update my appliances and few other items.. Last time I did the loan it was easy, just fill out the application and no problem. Now I have to provide a massive amount of documentation. I have paid off the mortgage a long time ago, (way before the financial crisis) yet they want all of the info.
I think the financial crisis has caused things to be more complicated then they need be.
Alot of the issue,we found in my part of the country,the county or the bank will see flood plain as meaning limited access. which devalues property.So if your driveway is in flood plain,or the public access road,it will affect the value of the house,and the ability to get the loan .
Only if the loan amount matches the value of the property,,,most borrow against the equity. That should not be affected since they base it on the values of the surrounding property and the amenities of the home. In any event, flood insurance will not recoup me any value for the reduction of value, only if i get actual damage from floods.
Not in a flood plain, simple nice development! Values of the houses around this development are in the 750K and up! I'm assessed at 450K! I have no loans or other debt on the house or personal!
No problem getting the loan, only asking for 30K! Easy, credit is great (810) but the amount of papers I signed yesterday reminded me of the paperwork I singed when I got my first mortgage!
Yep! It was 26 when I woke up around 6:30... The sun coming up didn't help very much.
I've got snow, too! Not very much, less than an inch.. But still, snow! Had to be careful taking my doggos out this morning. The porch was rather slippery.
I know. I discovered that. I've been checking the temperature frequently today. It now says:
5 C. Don't forget to share your stupid, fucking weather reports on Twitter. --------------------------------------- added after 19 seconds
Indeed! That is one of the things I like about Colorado. While it might get cold it is dry! I use to live on the east coast and when it got cold it was very cold because of the humidity!
Snow is real pretty, UNLESS; 1) you have to drive in it, because the first "real" snow causes many drivers to drive stupid OR 2) you have to shovel it.
Winter, complete with snow is the norm for Arexa, dgraff and the people residing in the Midwest to the east coast. Our respective areas may have school closings but I guarantee you that anyone that has a job is required to report to work!
Depends on the job here. I live in a small little mountain town... While places like Walmart (16 miles from me), Sheetz and factory jobs are open regardless of weather, most establishments in town follow the local school... If there's a 2 hour delay here, most places are also on a 2 hour delay...
I own a automotive repair shop graffs garage so it don't matter if we get three foot I still must go over to the shop to dig out providing I can get down off this mountain
Here's something that a member posted on the wall of the POPULAR NORMAL DICK page;
"Guys, I'm SO sorry I keep changing my mind about this site! It's just that I'm straight so I don't really want to rate or comment on other guys' pics, but if you're ok with that I'm happy to stay. You've all been very nice!"
Yup, Dis_Ability , hopes you will visit his page, post some comments, maybe even vote, but don't expect him to reciprocate because he's "straight". And don't try to send him a private message because he's closed private chat completely!
I'm curious, is anyone able to explain why a straight guy posts pictures of his wiener for other guys to see and comment on?
Never thought about it. I seldom go to the ding-a-ling side,,so many come to me, but,i seldom can i go to a chat room where the guys are not comparing sizes.
I am sick of his bull shit, cancelling and reopening his account so many times. I sent him a message last time he pulled this shit and told him to make up his mind; keep it open or close it.
Just an update, apparently, Dis_ability has deleted his profile but hold on to your hard on, he has returned as DisabilityAware ! Don't expect anything to be different, you're unable to send him a message, his private message chat is closed. Remember, he's "straight", he only wants members to admire, comment on and vote on his wiener pictures. He doesn't want to look at yours!
Why do you think pubic hair is coarse and curly?
Question
Why is pubic hair coarse? ... And the hair on head is soft? I can't shave against the grain in my pubic region because the hair is so coarse and hurts so I shave w/ the grain.
Answer
It acts as a pheromone trap. Pheromones are scents the body produces that generate sexual arousal in a partner. It is believe that perhaps the pubic hair captures these and the scent wafts into the
I live in an area in Michigan that FEMA has deemed to be in a flood zone, I have 90 foot of lakefront property, on Lake St. Clair. So here's the "issue" I have, I applied for a home equity line of credit and of course, my house is my collateral. So because my house is my collateral and because FEMA has deemed me to be living in a flood zone (according to the paperwork I received, I have a 1% chance [Yes, 1% chance] of experiencing flood damage) a precondition to this home equity line of credit, I am required to by flood insurance. Anyone who has had to buy flood insurance knows it ain't cheap.
So in order to even get a quote on how much flood insurance will cost, I have to provide the insurance company with an elevation certificate (at the tune of $600.00) and have a civil engineer come out to survey my property. He comes out, does what he does, provides all the longitudes and latitudes and BINGO, I am NOT in a flood zone, I'm above it.
To make a long story as short as possible, if I want a loan from the bank, as long as FEMA says I'm in a flood zone, I will need to purchase flood insurance to secure said loan and then "fight" with FEMA, a federal agency. Oi, what a headache!
Can't officials read maps?
I think the financial crisis has caused things to be more complicated then they need be.
I'm getting too old for this!!!
No problem getting the loan, only asking for 30K! Easy, credit is great (810) but the amount of papers I signed yesterday reminded me of the paperwork I singed when I got my first mortgage!
Such is what we deal with today!
[deleted image]
Earlier it told me it'd be a good night to diddle my butthole.
[deleted image]
I've got snow, too! Not very much, less than an inch.. But still, snow! Had to be careful taking my doggos out this morning. The porch was rather slippery.
5 C. Don't forget to share your stupid, fucking weather reports on Twitter.
--------------------------------------- added after 19 seconds
And now: It's cold motherfucker!!
"It's the perfect night for a penis sweater."
How did they know I have one?
[deleted image]
Winter, complete with snow is the norm for Arexa, dgraff and the people residing in the Midwest to the east coast. Our respective areas may have school closings but I guarantee you that anyone that has a job is required to report to work!
"Guys, I'm SO sorry I keep changing my mind about this site! It's just that I'm straight so I don't really want to rate or comment on other guys' pics, but if you're ok with that I'm happy to stay. You've all been very nice!"
Yup, Dis_Ability , hopes you will visit his page, post some comments, maybe even vote, but don't expect him to reciprocate because he's "straight". And don't try to send him a private message because he's closed private chat completely!
I'm curious, is anyone able to explain why a straight guy posts pictures of his wiener for other guys to see and comment on?
Here's a couple of clips of Didga, short for didgeridoo, a cat from NSW, Australia.
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