mookie1995
there's a good buck in that racket.
His buddy nilsaparker is pretty funny too
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Rep Retirement Lodge #153: Condiments, anyone?
- Thread starter Beer Pong Horn
- Start date
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His buddy nilsaparker is pretty funny too
Re: Rep Retirement Lodge #153: Condiments, anyone?
Good Morning Lodge.
I'm still trying to figure out why the hell anyone follows me on twitter. I have 6 followers. I hardly ever tweet and never anything of any substance, humor or value.
Yes, yes, much like my posts here (figured I'd turn on that hanging curve before anyone else did).
Good Morning Lodge.
I'm still trying to figure out why the hell anyone follows me on twitter. I have 6 followers. I hardly ever tweet and never anything of any substance, humor or value.
Yes, yes, much like my posts here (figured I'd turn on that hanging curve before anyone else did).
St. Clown
Ideas Posted are Likely Not My Own
Re: Rep Retirement Lodge #153: Condiments, anyone?
I have an account too, but I've not gone to the site in months. I'm not sure what my ID and password are anymore. Aside from that, I never actually made a tweet. I had absolutely zero reason to actually be on that site.
Lady wore Black
pawn in game of life
Re: Rep Retirement Lodge #153: Condiments, anyone?
Good Morning, Lodge!
Back to the "real" job today.
Good Morning, Lodge!
Back to the "real" job today.
bigblue_dl
Armed
Re: Rep Retirement Lodge #153: Condiments, anyone?
Hey all.
Beginning the process of refinancing my house. I've held out for long enough, and the interest rates are extremely low, may as well get it done. I didn't get into a 30 year when I bought the house, I'm in a 7 year with a lump sum payment at the end. I couldn't get a 30 year because they wouldn't give one to me until the septic system was replaced and the bathroom was completed, now that those projects are done, time to get the financing squared away. It looks like I'll be able to go from 5.5% to about 3.5%, so that should be a huge improvement.
My mom has been saying that she wants to landscape in front of the house since I bought the thing, and finally this last week we got it done, and it looks really good. Now I just need to have the glass installed in the shower, which should be scheduled for sometime in the next 2 weeks, and all of the current projects are completed. Then, after refinancing, I have to start in on the downstairs bathroom!
Hey all.
Beginning the process of refinancing my house. I've held out for long enough, and the interest rates are extremely low, may as well get it done. I didn't get into a 30 year when I bought the house, I'm in a 7 year with a lump sum payment at the end. I couldn't get a 30 year because they wouldn't give one to me until the septic system was replaced and the bathroom was completed, now that those projects are done, time to get the financing squared away. It looks like I'll be able to go from 5.5% to about 3.5%, so that should be a huge improvement.
My mom has been saying that she wants to landscape in front of the house since I bought the thing, and finally this last week we got it done, and it looks really good. Now I just need to have the glass installed in the shower, which should be scheduled for sometime in the next 2 weeks, and all of the current projects are completed. Then, after refinancing, I have to start in on the downstairs bathroom!
Re: Rep Retirement Lodge #153: Condiments, anyone?
I need to do the same thing, but need to find the time to sit down and make the call. I jsut don't know who to call. I wills tart with my mortgage holder to see what they can do for me. Not sure what I want....another 30 yr with a much lower monthly payment or a shorter time with more. Or how that even works.
Back to work after vacation. Came back to news that all of our strategic business units have been realigned. It is a good thing for the company but I know there will be some lost jobs out of this. Hoping I'm not one of them. I don't think my department will be affected but you never know. In the meantime, I need to go throough to see where I left things when I left on the 19th.
I need to do the same thing, but need to find the time to sit down and make the call. I jsut don't know who to call. I wills tart with my mortgage holder to see what they can do for me. Not sure what I want....another 30 yr with a much lower monthly payment or a shorter time with more. Or how that even works.
Back to work after vacation. Came back to news that all of our strategic business units have been realigned. It is a good thing for the company but I know there will be some lost jobs out of this. Hoping I'm not one of them. I don't think my department will be affected but you never know. In the meantime, I need to go throough to see where I left things when I left on the 19th.
gmann
Cheer up, the worst is yet to come
Re: Rep Retirement Lodge #153: Condiments, anyone?
IMHO I dont think we are at the bottom yet. 3.5% is an incredible rate and just how low can they go if it does go down? Within the past month or so the Fed has met to discuss the economy. After each meeting they have communicated that things are not moving forward and that they have "plans" to further stimulate the economy. I was very close to pulling the trigger on a re fi about a month or so ago but I backed out hedging that they will drop a bit more. Hopefully I don't regret that decision.........
Regardless..........Going from 5.5% to 3.5% is nice. Have you run the numbers on doing a 15 year loan? Rates are in the 2.80% range. IF you can cash flow it it's worth looking into. Or if you go through with a 30 year by making one extra payment a year you can knock off about 7 years of your mortgage.
IMHO I dont think we are at the bottom yet. 3.5% is an incredible rate and just how low can they go if it does go down? Within the past month or so the Fed has met to discuss the economy. After each meeting they have communicated that things are not moving forward and that they have "plans" to further stimulate the economy. I was very close to pulling the trigger on a re fi about a month or so ago but I backed out hedging that they will drop a bit more. Hopefully I don't regret that decision.........
Regardless..........Going from 5.5% to 3.5% is nice. Have you run the numbers on doing a 15 year loan? Rates are in the 2.80% range. IF you can cash flow it it's worth looking into. Or if you go through with a 30 year by making one extra payment a year you can knock off about 7 years of your mortgage.
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bigblue_dl
Armed
Re: Rep Retirement Lodge #153: Condiments, anyone?
I haven't run the numbers yet, but I plan on it. I am guessing that I would be better off going with the 30, just to be safe, and doing as you say and pay an extra payment each year.
We did a 15 and finished it in 11 with extra payments.
Now we don't qualify for tuition assistance at Benilde cause we have no payment.
Re: Rep Retirement Lodge #153: Condiments, anyone?
I've wondered the same thing about myself. In fact a few people here follow me. But I think that was early on when they were following back everyone who followed them. I tweet to individuals all the time but never just a general tweet. So I offer nothing to the twitter world, which is a mark of pride for me realizing that.
Side note: My interest rate is 4.25%. I'm about 3 year into my loan so anyone think it is worth investigating what refinancing would do for me?
Good Morning Lodge.
I'm still trying to figure out why the hell anyone follows me on twitter. I have 6 followers. I hardly ever tweet and never anything of any substance, humor or value.
Yes, yes, much like my posts here (figured I'd turn on that hanging curve before anyone else did).
I've wondered the same thing about myself. In fact a few people here follow me. But I think that was early on when they were following back everyone who followed them. I tweet to individuals all the time but never just a general tweet. So I offer nothing to the twitter world, which is a mark of pride for me realizing that.
Side note: My interest rate is 4.25%. I'm about 3 year into my loan so anyone think it is worth investigating what refinancing would do for me?
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bigblue_dl
Armed
Re: Rep Retirement Lodge #153: Condiments, anyone?
One of the reasons I don't want to go into the 15 is I have quite a bit of work I could do to update my house, and that extra money would be nice to use for home improvements. I have a long list of things I want to do, with some things more important than others. Since I do want to keep putting money into home improvements, it seems like the 30 is a better fit.
DaveStPaul
New member
Re: Rep Retirement Lodge #153: Condiments, anyone?
Good morning, El Loj.
If it makes you feel any weirder, I thought of you during the Opening Ceremonies when Azerbaijan walked in.
Good morning, El Loj.
I'm still trying to figure out why the hell anyone follows me on twitter. I have 6 followers. I hardly ever tweet and never anything of any substance, humor or value.
If it makes you feel any weirder, I thought of you during the Opening Ceremonies when Azerbaijan walked in.
gmann
Cheer up, the worst is yet to come
Re: Rep Retirement Lodge #153: Condiments, anyone?
General rule of thumb....................IF you can drop 1% and plan on being in the home at least two years it's worth looking into (assuming of course you can get approved).
Edit. Just noticed your rate of 4.25%. IMHO it's worth looking into.
General rule of thumb....................IF you can drop 1% and plan on being in the home at least two years it's worth looking into (assuming of course you can get approved).
Edit. Just noticed your rate of 4.25%. IMHO it's worth looking into.
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Almington
Blood Boiling with Rage and Hate
Re: Rep Retirement Lodge #153: Condiments, anyone?
All depends on what the difference in rates are between them. Given the drop in rate you are looking at, you may be able to get a 15 and not have your monthly payment increase much (If at all)
Discovered that I have a cracked tooth this morning, not looking forward to having that fixed without any dental insurance.
All depends on what the difference in rates are between them. Given the drop in rate you are looking at, you may be able to get a 15 and not have your monthly payment increase much (If at all)
Discovered that I have a cracked tooth this morning, not looking forward to having that fixed without any dental insurance.
Re: Rep Retirement Lodge #153: Condiments, anyone?
Yikes! Good luck, crowns are not cheap.
Yikes! Good luck, crowns are not cheap.
MarkEagleUSA
C'mon Q!
Re: Rep Retirement Lodge #153: Condiments, anyone?
3.5% for 30 years outta cover it!
Almington
Blood Boiling with Rage and Hate
Re: Rep Retirement Lodge #153: Condiments, anyone?
I know, depending on what the dentist says on Thursday, I may just have to have it extracted and deal with getting either a bridge or implant when I have a job (and insurance)
I know, depending on what the dentist says on Thursday, I may just have to have it extracted and deal with getting either a bridge or implant when I have a job (and insurance)
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