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kicksavedave
Participant[quote=sdduuuude]Double check that. Looks like PMI is deductable.[/quote]
As of April 2008 (when I got my loan), PMI is not deductible if you earn a combined $110K or more. The full PMI deduction is only available to folks making less than $100K, it phases out up to $110K. So if you are in the $250K bracket and looking for a jumbo house, it is almost mandatory that you put down 20% or buy down the PMI at about 3/8% interest (if they even allow that anymore), because that giant PMI sum each month is completely wasted, pure profit for the bank.
Participant[quote=sdduuuude]Double check that. Looks like PMI is deductable.[/quote]
As of April 2008 (when I got my loan), PMI is not deductible if you earn a combined $110K or more. The full PMI deduction is only available to folks making less than $100K, it phases out up to $110K. So if you are in the $250K bracket and looking for a jumbo house, it is almost mandatory that you put down 20% or buy down the PMI at about 3/8% interest (if they even allow that anymore), because that giant PMI sum each month is completely wasted, pure profit for the bank.
Participant[quote=sdduuuude]Double check that. Looks like PMI is deductable.[/quote]
As of April 2008 (when I got my loan), PMI is not deductible if you earn a combined $110K or more. The full PMI deduction is only available to folks making less than $100K, it phases out up to $110K. So if you are in the $250K bracket and looking for a jumbo house, it is almost mandatory that you put down 20% or buy down the PMI at about 3/8% interest (if they even allow that anymore), because that giant PMI sum each month is completely wasted, pure profit for the bank.
Participant[quote=sdduuuude]Double check that. Looks like PMI is deductable.[/quote]
As of April 2008 (when I got my loan), PMI is not deductible if you earn a combined $110K or more. The full PMI deduction is only available to folks making less than $100K, it phases out up to $110K. So if you are in the $250K bracket and looking for a jumbo house, it is almost mandatory that you put down 20% or buy down the PMI at about 3/8% interest (if they even allow that anymore), because that giant PMI sum each month is completely wasted, pure profit for the bank.
ParticipantI moved away, to Colorado in June of 07. Bought a brand new great big house for under $300K.
Moved back here in Sept 08 even though I knew it would be a financial challenge.
Hard to put a cost on quality of life, even if that is utterly subjective and individual. I just like it here better. Many others will disagree.
ParticipantI moved away, to Colorado in June of 07. Bought a brand new great big house for under $300K.
Moved back here in Sept 08 even though I knew it would be a financial challenge.
Hard to put a cost on quality of life, even if that is utterly subjective and individual. I just like it here better. Many others will disagree.
ParticipantI moved away, to Colorado in June of 07. Bought a brand new great big house for under $300K.
Moved back here in Sept 08 even though I knew it would be a financial challenge.
Hard to put a cost on quality of life, even if that is utterly subjective and individual. I just like it here better. Many others will disagree.
ParticipantI moved away, to Colorado in June of 07. Bought a brand new great big house for under $300K.
Moved back here in Sept 08 even though I knew it would be a financial challenge.
Hard to put a cost on quality of life, even if that is utterly subjective and individual. I just like it here better. Many others will disagree.
ParticipantI moved away, to Colorado in June of 07. Bought a brand new great big house for under $300K.
Moved back here in Sept 08 even though I knew it would be a financial challenge.
Hard to put a cost on quality of life, even if that is utterly subjective and individual. I just like it here better. Many others will disagree.
November 10, 2008 at 10:41 AM in reply to: Who else was swamped by unsolicited political emails from friends? #302233Participant[quote=fat_lazy_union_worker]I got this one as spam in my email today…. Oh boy…Again….. OBAMA WON… GET OVER IT…
————————————————-In 2001, Democrats took the Senate when Jim Jeffords switched parties. Shareholder wealth fell from $15.4 trillion at the end of 2000 to $10 trillion at the end of 2002—a nosedive of 50%.
[/quote]
How can anyone read or even write something like this with a straight face? Its beyond absurdity to suggest that one single senator’s seat has this much influence over the Dow and S&P in this manner.
I got so much crap right wing emails from this one guy, stuff suggesting Obama was being financed by Hammas and other ridiculous notions. I got fed up and sent one back to the distribution list that was an obvious farce that stated that “McCain admits he bangs chickens”. I thought it was funny, so did some of the other people on the list.
But one random dude on the list started responding to me threatening to kick my ass if I ever sent another unsolicited email into his home. Calling me a retarded Obama lover and other cute things.
Bottom line, I think this election cycle has made a lot of people borderline insane.
Sadly I expect the next one to be even worse.
November 10, 2008 at 10:41 AM in reply to: Who else was swamped by unsolicited political emails from friends? #302594Participant[quote=fat_lazy_union_worker]I got this one as spam in my email today…. Oh boy…Again….. OBAMA WON… GET OVER IT…
————————————————-In 2001, Democrats took the Senate when Jim Jeffords switched parties. Shareholder wealth fell from $15.4 trillion at the end of 2000 to $10 trillion at the end of 2002—a nosedive of 50%.
[/quote]
How can anyone read or even write something like this with a straight face? Its beyond absurdity to suggest that one single senator’s seat has this much influence over the Dow and S&P in this manner.
I got so much crap right wing emails from this one guy, stuff suggesting Obama was being financed by Hammas and other ridiculous notions. I got fed up and sent one back to the distribution list that was an obvious farce that stated that “McCain admits he bangs chickens”. I thought it was funny, so did some of the other people on the list.
But one random dude on the list started responding to me threatening to kick my ass if I ever sent another unsolicited email into his home. Calling me a retarded Obama lover and other cute things.
Bottom line, I think this election cycle has made a lot of people borderline insane.
Sadly I expect the next one to be even worse.
November 10, 2008 at 10:41 AM in reply to: Who else was swamped by unsolicited political emails from friends? #302603Participant[quote=fat_lazy_union_worker]I got this one as spam in my email today…. Oh boy…Again….. OBAMA WON… GET OVER IT…
————————————————-In 2001, Democrats took the Senate when Jim Jeffords switched parties. Shareholder wealth fell from $15.4 trillion at the end of 2000 to $10 trillion at the end of 2002—a nosedive of 50%.
[/quote]
How can anyone read or even write something like this with a straight face? Its beyond absurdity to suggest that one single senator’s seat has this much influence over the Dow and S&P in this manner.
I got so much crap right wing emails from this one guy, stuff suggesting Obama was being financed by Hammas and other ridiculous notions. I got fed up and sent one back to the distribution list that was an obvious farce that stated that “McCain admits he bangs chickens”. I thought it was funny, so did some of the other people on the list.
But one random dude on the list started responding to me threatening to kick my ass if I ever sent another unsolicited email into his home. Calling me a retarded Obama lover and other cute things.
Bottom line, I think this election cycle has made a lot of people borderline insane.
Sadly I expect the next one to be even worse.
November 10, 2008 at 10:41 AM in reply to: Who else was swamped by unsolicited political emails from friends? #302621Participant[quote=fat_lazy_union_worker]I got this one as spam in my email today…. Oh boy…Again….. OBAMA WON… GET OVER IT…
————————————————-In 2001, Democrats took the Senate when Jim Jeffords switched parties. Shareholder wealth fell from $15.4 trillion at the end of 2000 to $10 trillion at the end of 2002—a nosedive of 50%.
[/quote]
How can anyone read or even write something like this with a straight face? Its beyond absurdity to suggest that one single senator’s seat has this much influence over the Dow and S&P in this manner.
I got so much crap right wing emails from this one guy, stuff suggesting Obama was being financed by Hammas and other ridiculous notions. I got fed up and sent one back to the distribution list that was an obvious farce that stated that “McCain admits he bangs chickens”. I thought it was funny, so did some of the other people on the list.
But one random dude on the list started responding to me threatening to kick my ass if I ever sent another unsolicited email into his home. Calling me a retarded Obama lover and other cute things.
Bottom line, I think this election cycle has made a lot of people borderline insane.
Sadly I expect the next one to be even worse.
November 10, 2008 at 10:41 AM in reply to: Who else was swamped by unsolicited political emails from friends? #302677Participant[quote=fat_lazy_union_worker]I got this one as spam in my email today…. Oh boy…Again….. OBAMA WON… GET OVER IT…
————————————————-In 2001, Democrats took the Senate when Jim Jeffords switched parties. Shareholder wealth fell from $15.4 trillion at the end of 2000 to $10 trillion at the end of 2002—a nosedive of 50%.
[/quote]
How can anyone read or even write something like this with a straight face? Its beyond absurdity to suggest that one single senator’s seat has this much influence over the Dow and S&P in this manner.
I got so much crap right wing emails from this one guy, stuff suggesting Obama was being financed by Hammas and other ridiculous notions. I got fed up and sent one back to the distribution list that was an obvious farce that stated that “McCain admits he bangs chickens”. I thought it was funny, so did some of the other people on the list.
But one random dude on the list started responding to me threatening to kick my ass if I ever sent another unsolicited email into his home. Calling me a retarded Obama lover and other cute things.
Bottom line, I think this election cycle has made a lot of people borderline insane.
Sadly I expect the next one to be even worse.
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