When you apply for a mortgage, traditional lenders will calculate your
"front end" and "back end" ratios: your proposed PITI payment as a
percentage of your gross monthly income, and your PITI payment plus
all other long-term recurring debts as a percentage of your gross. The

Forget teenagers - based on these criteria, I know a lot of *adults*
who aren't ready to drive!
http://www.zoombak.com/community/autos/articles/79/
Is Your Teen Ready to Drive?

Already asked this over at the dead Ford truck forum and
rec.autos.tech, but I know we've got some gearheads over here who
don't frequent there so I figured I'd toss it out here too, see if
anyone has some input.

Highway deaths drop to record low
Harry Stoffer
Automotive News
August 14, 2008 - 1:23 pm ET

1. On the car I'm driving now, because the clutch pedal is not far
enough to the left, I have to keep my thighs uncomfortably squeezed
together. Any ideas how to "move" it left? Perhaps expanding the
surface of the pedal to the left?

Here's a list of the casualties from Operation Filtration for this
morning's batch of posts.
Legitimate Kills:
12 posts from "Jakthehammer" who seems to enjoy replying to any post

7 Ways to Declare Your Energy Independence!
The summer months are upon us. For most American families this means
family vacations, summer sports leagues and barbeques in the back yard
are in full swing. However, with high gas prices, many families are

Ran an errand at lunch today. I'm cruising down a local street when I
spot a dark shape in the carpool lane, in the shadow of some large
trees and just behind a "Speed Limit 45" sign. Turns out it was an
Orange County Sheriff, standing next to his all-black cruiser,

Is there something going around?  For the last week, just about every
day there's been a serious "accident" either that directly affects me
or I've heard about it on a radio traffic report and recognized it as
being somewhere close by.  Not the usual every day, oh, some idiot

Lexus Introduces GS 460 Luxury Sport Sedan for 2009
by Lexus PR
tags: 2009 gs 460 lexus luxury sedan sport sedan
August 15, 2008 – - Lexus has introduced the newest version of its GS

I just installed a new NNTP proxy with more powerful filtering
capabilities. I can now filter on *any* field in the header, including
Message-ID and NNTP-Posting-Host.
For starters, I'm filtering the following:

I think most motorists, from time to time, are annoyed (or infuriated)
by bicyclists.  My question to you is what "type" of bicyclist, and
what activity, irks you the most (or most often).  Is it the kid
riding across the street diagonally between intersections?  The

http://www.nydailynews.com/news/politics/2008/08/23/2008-08-23
_joe_biden_beats_odds_after_wife_daughter.html
Joe Biden beats odds after wife, daughter killed
BY LARRY McSHANE

Just got a never-used, in its original box Vector LR 970.  When I turn
the unit on, there's the self-test and then a message (with beeps): "?
L01 CAL" that never stops.
I didn't find anything about this message in the ower's manual nor on

Hi Viatologists,
Tonight, we provide new photographs of New Jersey State Route 495:
http://wwtl.info/tmp/2208
Among other things, this route is famous for connecting the New Jersey