[moneymaker]

I’m shocked that CA is actually below the national average for percentage of people on disability. Last time I went to Walmart all 24 handicapped spots were taken (many with SUV’s, some were even jacked up 4×4’s) and as I watched people get in or out I could not tell what there disabilty was. But if I were to apply I’m sure I would be turned down as I’m white and college educated. Once knew a person who was diagnosed bipolar, who was on disabilty (i.e. getting a regular check), nothing physically wrong with her and smart too, I had no idea she was bipolar.

[moneymaker]

What lifted my boat was a house 3 doors down selling for 10k less than I paid even though my place is 50% bigger house and a bigger lot, thanks to that I was able to refi out of PMI and can now see a comfortable retirement with no mortgage on the horizon. I think that falls under the realtor mantra of “location,location,location”. I f the house had been more than a mile away it may not have had as big an effect on the appraisal.

[moneymaker]

I wish I could afford to buy gold, but alas I’m a silver buyer (bullion so far). Last time bought for $3-4 and sold @ $32 (after more than 10 years of holding). I’ve always heard that during inflationary periods, hard currency is best.

[moneymaker]

3.68% today and with Apple going the opposite way of the market so many times I have no idea what’s going on these days. One thing I just learned is not to put time/date specific stuff into the title of posts, live and learn I guess. Want to go wine tasting tomorrow in Temecula but wife thinks it will be too hot, anyone agree with her?

[moneymaker]

No longer have young kids myself. Water is always fun. Kayaking,waterpark,beach,canoeing,swimming,snorkeling, of course with a 1 year old this might be challenging. I’ve never done any white water but that seems like fun too, obviously the kids would have to be good swimmers just in case.

[moneymaker]

I’m no expert, but I’ve heard a micro controller system is desirable. Each panel’s output can be monitored and controlled. That’s the problem with a lot of systems is they are so interconnected that if 1 panel goes bad it is tough to tell which one is bad.

[moneymaker]

Thanks SK, did not know that, by the way 30 Treasury Yield hit 3.63% today.

[moneymaker]

10 year T bills @ 3.57% today. As the 10 year goes higher, if the fed leaves rates low don’t they end up losing more money. Maybe the 2 year @ .235 is a better indicator however of how much money the government is losing. In that light it is a mere pittance I suppose. Once rates do go up nobody will hold the old T bills, they will cash them in to buy the new higher rate T bills.

[moneymaker]

I hope you’re right XBoxBoy. I bought some Apple today thinking the market might bounce/or they would finally release something/or they would actually buy back some stock like they said they would/ or the Chinese school kids would consider Apple stuff a status thing and their parents would indulge them, I could keep going but let’s just say I bought on a hunch.

[moneymaker]

I agree that the Fed “wants” to continue the stimulus, however we are not in a vacuum here in the US. When safety and yields start increasing elsewhere will there be a choice. I think I heard US treasuries are being sold by some holding them, when that happens on a large scale, seems to me that it will be harder for the US to sell without raising yields. The government seems to be in a credit bubble.

[moneymaker]

You could use a SB5101 but that is a DOCSIS 2.0 modem. If you’re planning on still being around a few more years you might as well get a DOCSIS 3.0 modem. Then you will have up to 8 download frequencies instead of just 1. It’s true that a DOCSIS 2.0 is not required for Essential but I don’t believe they cost much more, so if you are going to buy a modem don’t buy a DOCSIS 2.0 ,for streaming I think Essential is fine. Try the self install and once you get online go to 192.168.100.1 in your browsers URL and you will see what kind of signal you are getting. S/N should be greater than 34 downstream should be higher than -10, don’t worry about transmit typically if you downstream is good your upstream will be too. Now if you have intermittent issues then you’ll want to check the TX.

[moneymaker]

Loan funded a couple days ago. Got 4 years knocked off, .25% lower interest rate, PMI removed, free appraisal, no fees whatsoever, and am getting a little cash back as a bonus. So US Bank is holding the loan and though I know I could have probably gotten a slightly lower rate else where, I am happy. Just in time too as rates look to be going up and this month Zillow says my home value actually went down.

[moneymaker]

A little off topic but how about a yearly tax on drivers licenses to cut down on traffic. Could use the excuse that it is for upgrading licenses with an RFID chip so that a police office would be able to scan your car and know without pulling you over if you are a licensed driver. Hopefully no one on this forum works high up in the DMV as I was being sarcastic.

[moneymaker]

I doubt there is a correlation. Sounds a bit like trickle down economics, which sounds good until looked at closely. Personally I would prefer a house built from concrete, stainless steel, and glass (or polycarbonate).

[moneymaker]

Dear Emily,
Looks like if you went ahead with the cash out then you would have been better off leaving the money in. It would have gone up about 30% by now which would have been $15,000. I too am about to gamble to get rid of my PMI, I am refi’ing into a shorter term, slightly more expensive loan to get rid of it. I may have been able to get rid of it in 1 year as long as home prices continue their upward climb. I’ll report back in 1 year to see if my choice was a good one.

[Author]

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