[jimmyle]

How can one becomes a loan broker?

[jimmyle]

Generally true but the return from CDs and stock markets have been terrible lately.

[quote=pri_dk]If someone was willing to loan me money for 30 years at a rate less than 4%, I wouldn’t pay them back any faster than I had to.[/quote]

[jimmyle]

Thanks UCGal,

Your hint helped me alot.

So I have 356 payments left with 4.25% rate (not 4.2% like I thought). Using the same monthly payment and new 3.875% rate, the number of payments went down to 331. Here I am ignoring the $200 fee. I think I will go ahead with this.

[quote=UCGal][quote=jimmyle]Now the broker is offering 3.875% with only $200 fee. The difference is $85 a month. But now my mortgage is 4 months longer.[/quote]
What if you were to make an extra principal payment of $85/month. How much shorter would the mortgage be.

(That’s what we did when we refi’d a few years ago – kept paying the same payment, with the extra going towards principal. We liked seeing the balance shrink so much we started throwing even more money at it. It’s good to be able to imagine a paid for house.)[/quote]

[jimmyle]

Now the broker is offering 3.875% with only $200 fee. The difference is $85 a month. But now my mortgage is 4 months longer.

[jimmyle]

$20k isn’t too much. My student loan was $15k (which is larger than $20k now) in 1999 and interest rate was much higher. Paid within 5 years.

[jimmyle]

Currently I am at 4.2% 30 years–4 months into the loan

New rate being offered: 3.875% with $1500 fee.

Should I refinance?

Many thanks,

[jimmyle]

these Walmart security personel probably make near minimum wage and we shouldn’t expect them to solve problems during a crisis.

[quote=CA renter]The most surprising thing about the story is that Wal-Mart security didn’t try to stop them. That was pretty big on their part.[/quote]

[jimmyle]

[quote=jimmyle]For someone like me who was young and didn’t pay much attention to the housing bubble in the 80’s, this really helps to put things in perspective that a housing bubble takes a long time to burst.

I was thinking about buying in late 2008 but this might push me back to 2009 or even 2010.[/quote]

This was my post in 2007, I ended buying in March 2011. Still a little bit early I think.

[jimmyle]

$9 mil is about right, but the seller needs to pay for the demolition and removal of the three houses. Then you can build 26 nice Sorrento Valley houses and sell them at $650k-$700k each.

Who is this ROB QUIKLEY? I wonder what this architech was thinking.

[quote=sdduuuude]This showed up on Redfin. Selling the whole development for $13M !

Includes 23 lots and the 3 houses.

Sadly, it is in the “wrong” school district.

http://www.redfin.com/CA/San-Diego/5909-Shaw-Lopez-Row-92121/home/22396647%5B/quote%5D

[jimmyle]

thanks, I was thinking that the red mark might means no digging b/c of twc.

[quote=Jacarandoso]I think it means “no conflict time warner cable”.[/quote]

[jimmyle]

Note that most Asian immigrants to the US belong to the upper middle class in Asia. For example, if you are a farmer in China, you probably have no mean to come to the US. You are more likely to come to the US if you are a Chinese grad student with rich parents. On the other hand, many South Americans here are lower class citizens in their countries. That said, I believe the confucian culture of Asia encourages education so the children of lower class Asians in the US are still more likely to succeed in education compared to children of lower class Hispanics.

[quote=joec]In Asia, a lot of the kids do college level math, physics so if you just did the norm there, you’ll kick ass in college. I should know considering my ECON roommate knew how to do all my physics work which I struggled with from a lowly rated hs here.[/quote]

[jimmyle]

Note that most Asian immigrants to the US belong to the upper middle class in Asia. For example, if you are a farmer in China, you probably have no mean to come to the US. You are more likely to come to the US if you are a Chinese grad student with rich parents. On the other hand, many South Americans here are lower class citizens in their countries. That said, I believe the confucian culture of Asia encourages education so the children of lower class Asians in the US are still more likely to succeed in education compared to children of lower class Hispanics.

[quote=joec]In Asia, a lot of the kids do college level math, physics so if you just did the norm there, you’ll kick ass in college. I should know considering my ECON roommate knew how to do all my physics work which I struggled with from a lowly rated hs here.[/quote]

[jimmyle]

Note that most Asian immigrants to the US belong to the upper middle class in Asia. For example, if you are a farmer in China, you probably have no mean to come to the US. You are more likely to come to the US if you are a Chinese grad student with rich parents. On the other hand, many South Americans here are lower class citizens in their countries. That said, I believe the confucian culture of Asia encourages education so the children of lower class Asians in the US are still more likely to succeed in education compared to children of lower class Hispanics.

[quote=joec]In Asia, a lot of the kids do college level math, physics so if you just did the norm there, you’ll kick ass in college. I should know considering my ECON roommate knew how to do all my physics work which I struggled with from a lowly rated hs here.[/quote]

[jimmyle]

Actually I am only using 18 HCF of water.

14 HCF $3.61
4 HCF $3.92

Wow, now I look at the bill more carefully and:

$39 water base fee (pipe size 3/4″)
$66 water usage fee (For 18 HCF)
$33 sewer base fee
$69 sewer usage fee
$2 storm drain fee
$12 credit

$108 total for sewer?

I water the lawn and trees twice a week for about 15 mins each time. I and the wife shower twice a day, each time about 5 min of continuous running shower. The other person showers once a day for about 10 mins.

Flu, I understand what you said. If I don’t use any water the bill is already at ~$130.

[quote=flu]This depends on whether this bill is water usage charge only or if it’s water usage + water fixed costs + sewage costs.

$200 for all three in two months is roughly my water usage+fixed costs + sewage costs.

My august bill consisted of the past two months included

$39 water base fee (pipe size 3/4″)
$79 water usage fee
$33 sewer base fee
$81 sewer usage fee
$2 storm drain fee
$13 credit

So roughly $221/every two months

My water usage was 21 HCF. The water company feels i should only be using 14 HCF, so charged me 7 HCF at a higher rate. So I was charged $51 for the first 14 HCF and $27 for the last 7 HCF.

1 HCF = 748 gallons.

My observation was that conserving water usage really doesn’t reduce your bill in a meaningful way. Don’t get me wrong, conserving water is a good thing in itself. It’s just isn’t not really saving that much money. The majority of my bill is in the other charges.[/quote]

[jimmyle]

Actually I am only using 18 HCF of water.

14 HCF $3.61
4 HCF $3.92

Wow, now I look at the bill more carefully and:

$39 water base fee (pipe size 3/4″)
$66 water usage fee (For 18 HCF)
$33 sewer base fee
$69 sewer usage fee
$2 storm drain fee
$12 credit

$108 total for sewer?

I water the lawn and trees twice a week for about 15 mins each time. I and the wife shower twice a day, each time about 5 min of continuous running shower. The other person showers once a day for about 10 mins.

Flu, I understand what you said. If I don’t use any water the bill is already at ~$130.

[quote=flu]This depends on whether this bill is water usage charge only or if it’s water usage + water fixed costs + sewage costs.

$200 for all three in two months is roughly my water usage+fixed costs + sewage costs.

My august bill consisted of the past two months included

$39 water base fee (pipe size 3/4″)
$79 water usage fee
$33 sewer base fee
$81 sewer usage fee
$2 storm drain fee
$13 credit

So roughly $221/every two months

My water usage was 21 HCF. The water company feels i should only be using 14 HCF, so charged me 7 HCF at a higher rate. So I was charged $51 for the first 14 HCF and $27 for the last 7 HCF.

1 HCF = 748 gallons.

My observation was that conserving water usage really doesn’t reduce your bill in a meaningful way. Don’t get me wrong, conserving water is a good thing in itself. It’s just isn’t not really saving that much money. The majority of my bill is in the other charges.[/quote]

[Author]

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