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July 9, 2016 at 6:39 PM in reply to: OT: Ok wise garage mechanics, how do you deal with this one? :) #799492
moneymaker
ParticipantI’m getting 2.625% (APR 2.699%) on a 15 year sub 417K money out loan. Going to use the money to pay off HELOC (used to put in the solar) which is currently at 4.75%. Appraisal is $495 with fees of around $1000. Not going to say who just yet as I have read some bad reviews online after starting the process, so far it is going well, have turned in documentation and am meeting with appraiser this afternoon. PS- Did sell my silver bullion yesterday when spot was above $20, still holding onto the gold though.
Participant30 year treasury at 2.11% new record low. Explains why I’m refi’ing, never thought I would again after last time, but it makes sense to do it.
ParticipantI’ve always thought the police in San Diego were trigger happy, evidently this is common everywhere. Accountability is sorely lacking as Queen Latifah said and she comes from a family of police officers.
ParticipantThank You HLS, do you know if appraisers take solar into account when the system is owned and not leased? They should but I think last time i got an appraisal they did not.
ParticipantClosed today at $19.75, I almost went and sold mine, but decided to wait and see if China’s deleveraging has any effect.
ParticipantYes 2PM west coast time, then no markets are open for 60 minutes so the price can’t change during those 60 minutes, right!?
ParticipantYep that is what Bloomberg shows. I should probably start selling. Did you mean spot? Futures is something else,right. On kitco http://www.kitco.com/charts/livesilver.html it shows silver going straight up.
ParticipantBloomberg says silver is at $19.84, higher than kitco says on their website.
ParticipantI think i bought last when spot was in the low 14’s, spot is at $19.33 now. That would be a return of around 23% after fees in around 6-7 months, not bad, but if I wait might be even better. If I sell at $20 then return will be 30%.
ParticipantWow! Just noticed silver is over $19! Should I sell or wait for $20?
ParticipantETF- early termination fee?
ParticipantLooks like I’m going to get .875% savings with a refi, hopefully it won’t be too painful.
Participant[quote=FlyerInHi]8 years since the financial crisis. Still no dollar debasement or hyperinflation.
I still have an adjustable rate mortgage.[/quote]
You might want to lock it in now.
Greenspan said inflation is coming he just doesn’t know when, I tend to agree with him. Since he is 90 years old now he may not see it, but I’m pretty sure we will.ParticipantHere’s 2 questions for HLS or others in the industry here, should I approach my current mortgage servicer for refi or go somewhere else first? Can I shop them without giving out too much personal/financial info? Ok 1 more question, how long should a refi take? Seems like it was quick last time I did it, but am reading others are saying 3-4 weeks.
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