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November 11, 2010 at 9:50 AM in reply to: OT: Am I the only one who doesn’t have a cell phone? #629379
sdcellar
ParticipantEh? Starbucks wi-fi used to cost, then it was free for AT&T customers, then it was free for everybody and now they’re actually spending money to attract people to use it. Hotels have always been hit or miss.
Don’t get me wrong, I still have my cell phone, but free wi-fi is hardly going the way of the dodo. At least, not yet.
November 11, 2010 at 9:50 AM in reply to: OT: Am I the only one who doesn’t have a cell phone? #629458sdcellar
ParticipantEh? Starbucks wi-fi used to cost, then it was free for AT&T customers, then it was free for everybody and now they’re actually spending money to attract people to use it. Hotels have always been hit or miss.
Don’t get me wrong, I still have my cell phone, but free wi-fi is hardly going the way of the dodo. At least, not yet.
November 11, 2010 at 9:50 AM in reply to: OT: Am I the only one who doesn’t have a cell phone? #630031sdcellar
ParticipantEh? Starbucks wi-fi used to cost, then it was free for AT&T customers, then it was free for everybody and now they’re actually spending money to attract people to use it. Hotels have always been hit or miss.
Don’t get me wrong, I still have my cell phone, but free wi-fi is hardly going the way of the dodo. At least, not yet.
November 11, 2010 at 9:50 AM in reply to: OT: Am I the only one who doesn’t have a cell phone? #630158sdcellar
ParticipantEh? Starbucks wi-fi used to cost, then it was free for AT&T customers, then it was free for everybody and now they’re actually spending money to attract people to use it. Hotels have always been hit or miss.
Don’t get me wrong, I still have my cell phone, but free wi-fi is hardly going the way of the dodo. At least, not yet.
November 11, 2010 at 9:50 AM in reply to: OT: Am I the only one who doesn’t have a cell phone? #630475sdcellar
ParticipantEh? Starbucks wi-fi used to cost, then it was free for AT&T customers, then it was free for everybody and now they’re actually spending money to attract people to use it. Hotels have always been hit or miss.
Don’t get me wrong, I still have my cell phone, but free wi-fi is hardly going the way of the dodo. At least, not yet.
sdcellar
ParticipantIf you can sell your current home now and afford to buy the new one, go ahead. Otherwise, what everybody else said. Trust your moniker, you’re not needtobuy, just wanttobuy.
sdcellar
ParticipantIf you can sell your current home now and afford to buy the new one, go ahead. Otherwise, what everybody else said. Trust your moniker, you’re not needtobuy, just wanttobuy.
sdcellar
ParticipantIf you can sell your current home now and afford to buy the new one, go ahead. Otherwise, what everybody else said. Trust your moniker, you’re not needtobuy, just wanttobuy.
sdcellar
ParticipantIf you can sell your current home now and afford to buy the new one, go ahead. Otherwise, what everybody else said. Trust your moniker, you’re not needtobuy, just wanttobuy.
sdcellar
ParticipantIf you can sell your current home now and afford to buy the new one, go ahead. Otherwise, what everybody else said. Trust your moniker, you’re not needtobuy, just wanttobuy.
October 29, 2010 at 12:30 AM in reply to: Locking rate & dumb RE mortgage forecast questions? #624115sdcellar
ParticipantI almost certainly wouldn’t pay down the rate right now, but that’s just because I have a sense that rates indeed will drop next week(ish), or that they at least won’t get worse. It doesn’t sound like you’re in your contingency period, so it wouldn’t seem like there’s a rush.
The other half of this is just the notion of paying down the rate in general and that’s mostly a math problem. Don’t forget to factor in the tax effects on the lower interest payments (i.e. $10 savings is really like $7) and don’t forget that interest part of your payment actually goes down every month. Not a big difference if you’ll recoup in two years, but pushes it out even further if you’re getting up to five/six (although at that point you probably need to question the benefit anyway).
October 29, 2010 at 12:30 AM in reply to: Locking rate & dumb RE mortgage forecast questions? #624199sdcellar
ParticipantI almost certainly wouldn’t pay down the rate right now, but that’s just because I have a sense that rates indeed will drop next week(ish), or that they at least won’t get worse. It doesn’t sound like you’re in your contingency period, so it wouldn’t seem like there’s a rush.
The other half of this is just the notion of paying down the rate in general and that’s mostly a math problem. Don’t forget to factor in the tax effects on the lower interest payments (i.e. $10 savings is really like $7) and don’t forget that interest part of your payment actually goes down every month. Not a big difference if you’ll recoup in two years, but pushes it out even further if you’re getting up to five/six (although at that point you probably need to question the benefit anyway).
October 29, 2010 at 12:30 AM in reply to: Locking rate & dumb RE mortgage forecast questions? #624761sdcellar
ParticipantI almost certainly wouldn’t pay down the rate right now, but that’s just because I have a sense that rates indeed will drop next week(ish), or that they at least won’t get worse. It doesn’t sound like you’re in your contingency period, so it wouldn’t seem like there’s a rush.
The other half of this is just the notion of paying down the rate in general and that’s mostly a math problem. Don’t forget to factor in the tax effects on the lower interest payments (i.e. $10 savings is really like $7) and don’t forget that interest part of your payment actually goes down every month. Not a big difference if you’ll recoup in two years, but pushes it out even further if you’re getting up to five/six (although at that point you probably need to question the benefit anyway).
October 29, 2010 at 12:30 AM in reply to: Locking rate & dumb RE mortgage forecast questions? #624888sdcellar
ParticipantI almost certainly wouldn’t pay down the rate right now, but that’s just because I have a sense that rates indeed will drop next week(ish), or that they at least won’t get worse. It doesn’t sound like you’re in your contingency period, so it wouldn’t seem like there’s a rush.
The other half of this is just the notion of paying down the rate in general and that’s mostly a math problem. Don’t forget to factor in the tax effects on the lower interest payments (i.e. $10 savings is really like $7) and don’t forget that interest part of your payment actually goes down every month. Not a big difference if you’ll recoup in two years, but pushes it out even further if you’re getting up to five/six (although at that point you probably need to question the benefit anyway).
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