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October 20, 2012 at 2:32 PM in reply to: OT: What do you say to your toddler that asks you about politics? #752924
CAwireman
Participant[quote=flu]I don’t know, but at my company we have the ability to split our contributions between a traditional 401k and a roth 401k… I kinda do both, although right now, part of my contributions go to repaying a loan.[/quote]
Flu, don’t you earn too much to do Roth IRA’s???
ParticipantDouble
Participant[quote=bearishgurl]For starters, Johnson, Feinstein, Vargas and Miller (already voted).[/quote]
Wow, I had no idea the Johnson upset vote would be so strong…
Have been hearing about it on NPR today…
Participant[quote=Blogstar]Refi- appraisals are frequently low, especially if the LTV is easy to get to. I wouldn’t consider that FMV necessarily..it could be.
Good Job.[/quote]
Thanks, and here’s to the next one.
I went back and got a copy of the orignial appraisal from our purcahse in early 2011. I’ll try to carve out time to compare the two.
ParticipantYeah MM – no 2nds for us. We aren’t planning to take out any additional loans, property-wise.
Once we pay off our current car payment, then its just the mortgage and monthly untilies/credit card bills.
I take the Dave Ramsey, live like no one else….
PS: yeah, not sure why banks dont’ approach directly for refi. Must be some reason.
ParticipantDM – I thought 3.5% was great too because originally, I thought 3.625 was the lowest zero-point loan I could get. Then, whatever – twist, shout, it dropped. But, I know other people who nabbed 3.25 or 3.1. So, I’m envious…
Participant4.25 was weird enough, so 3.5 is now our new, short-term, weird – until 2.75 or whatever arrives. 😀
ParticipantFlu – I think you are in a different financial realm than I perhaps. 15 Yr would be great, but the monthly patyments would be too hight to handle, especially if our income wobbled. Our monthly before impounds it about $1,800. Not too shabby.
September 19, 2012 at 12:44 PM in reply to: Holy $%@#^$%#@%$#%$#@: 15 year conforming at 2.476%/ 30year at 3.181%apr #751579ParticipantWe’re in the process of completing a Refi to 3.5 %.
We were at 4.25% on the original loan when we bought in 2011.
Will save us about $225 per month give or take.With the rates Flu found we’re in disbelief.
I guess we’ll probably have at least one more refi to go after this one…
ParticipantCongrats Matt
We too bought, about 1 and a half years ago.
All the best with your new place.
April 15, 2012 at 9:07 AM in reply to: Peter Schiff: Housing prices will go back to 2000 or lower… #741687ParticipantWow, one from the way back machine….
Prices in our area (including what we paid for our house in 2011) are in the 2003 range, +/- $2K to $10K.
If they drop to 2000 levels? Fine with me. Just let me refi to 3.75% 30 year fixed first. Then, I apply for a property tax reduction…..
ParticipantI actually didn’t believe the statistic of ~ 10 year. But, Polk data seems to confirm it.
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“The average age of a light vehicle in 2011 was 10.8 years, according to Polk, a research firm, up from 9.7 years in 2006.”http://online.wsj.com/article/SB10001424052970204778604577243471504542512.html
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I know people driving their motorcycles to work
when weather permits. They often own large trucks or sports cars and the montly gas costs are killing them.Participant[quote=Rich Toscano]
Guys, this is a fun conversation (and I appreciate everyone except DomoArigato keeping it so civil). But, I am moving today so probably won’t have time to punch into this thread much after this… go on without me. :-)[/quote]Holy S**t, Rich, did you and the missus buy a place?
December 28, 2011 at 2:05 PM in reply to: Refi-are you receiving calls from banks offering 3.875% refinancing? #735107ParticipantI’ll have to check into it….
I wonder is no cost means no appraisal?
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