[teaboy]

[quote=as]A loan officer offered me 15-year fixed for 3.75%. The total interest I will be paying is about 218k. If I do 4.25% for 30 year fixed, my total interest will be 494k. Between 15y and 30y, total interest saving will be about 276k.
Do you guys think it will go down to 3.5% for 15-year loan? Any suggestion? THX.[/quote]

Perhaps a more pertinent way to do an apples-to-apples comparison of a 15yr fix with a 30yr fix is to calculate the total interest difference between paying off the 15yr fix and paying off the 30yr fix by overpaying at the same mothly PITI as the 15yr fix. That difference represents the cost of having the flexibility with the 30yr fix to make smaller monthly payments, say if you lose your job for a period.

tb

[teaboy]

[quote=as]A loan officer offered me 15-year fixed for 3.75%. The total interest I will be paying is about 218k. If I do 4.25% for 30 year fixed, my total interest will be 494k. Between 15y and 30y, total interest saving will be about 276k.
Do you guys think it will go down to 3.5% for 15-year loan? Any suggestion? THX.[/quote]

Perhaps a more pertinent way to do an apples-to-apples comparison of a 15yr fix with a 30yr fix is to calculate the total interest difference between paying off the 15yr fix and paying off the 30yr fix by overpaying at the same mothly PITI as the 15yr fix. That difference represents the cost of having the flexibility with the 30yr fix to make smaller monthly payments, say if you lose your job for a period.

tb

[teaboy]

[quote=Allan from Fallbrook]Nothing personal, but I could care less whether you own an SUV or not.[/quote]

Allan, I think you mean “I couldn’t care less”, not “I could care less”. I would try to explain this more myself, but this funny man with an australian accent does a much better job: http://www.guardian.co.uk/commentisfree/video/2010/may/20/language-usa

tb

[teaboy]

[quote=Allan from Fallbrook]Nothing personal, but I could care less whether you own an SUV or not.[/quote]

Allan, I think you mean “I couldn’t care less”, not “I could care less”. I would try to explain this more myself, but this funny man with an australian accent does a much better job: http://www.guardian.co.uk/commentisfree/video/2010/may/20/language-usa

tb

[teaboy]

[quote=Allan from Fallbrook]Nothing personal, but I could care less whether you own an SUV or not.[/quote]

Allan, I think you mean “I couldn’t care less”, not “I could care less”. I would try to explain this more myself, but this funny man with an australian accent does a much better job: http://www.guardian.co.uk/commentisfree/video/2010/may/20/language-usa

tb

[teaboy]

[quote=Allan from Fallbrook]Nothing personal, but I could care less whether you own an SUV or not.[/quote]

Allan, I think you mean “I couldn’t care less”, not “I could care less”. I would try to explain this more myself, but this funny man with an australian accent does a much better job: http://www.guardian.co.uk/commentisfree/video/2010/may/20/language-usa

tb

[teaboy]

[quote=Allan from Fallbrook]Nothing personal, but I could care less whether you own an SUV or not.[/quote]

Allan, I think you mean “I couldn’t care less”, not “I could care less”. I would try to explain this more myself, but this funny man with an australian accent does a much better job: http://www.guardian.co.uk/commentisfree/video/2010/may/20/language-usa

tb

[teaboy]

[quote=sdrealtor]I dont agree with the finest people argument.[/quote]

sdr,
I also dont agree with that argument. In fact I dont agree with any argument against firefighters, beause:

1. Firefighters have a tough job.
2. Firefighters risk their lives.
3. Other people get paid more than firefighters.
4. Firefighters look sexy in uniforms.
5. Firefighters, like my friend bob, are very nice people.
6. If you dont like firefighters then you should be banned from calling 911 when your house is on fire and you should try to put it out yourself. Ha-ha!

Because of the above reasons and many more good reasons we should not question how much firefighter get paid. If anything it’s not enough! ha-ha!

tb

[teaboy]

[quote=sdrealtor]I dont agree with the finest people argument.[/quote]

sdr,
I also dont agree with that argument. In fact I dont agree with any argument against firefighters, beause:

1. Firefighters have a tough job.
2. Firefighters risk their lives.
3. Other people get paid more than firefighters.
4. Firefighters look sexy in uniforms.
5. Firefighters, like my friend bob, are very nice people.
6. If you dont like firefighters then you should be banned from calling 911 when your house is on fire and you should try to put it out yourself. Ha-ha!

Because of the above reasons and many more good reasons we should not question how much firefighter get paid. If anything it’s not enough! ha-ha!

tb

[teaboy]

[quote=sdrealtor]I dont agree with the finest people argument.[/quote]

sdr,
I also dont agree with that argument. In fact I dont agree with any argument against firefighters, beause:

1. Firefighters have a tough job.
2. Firefighters risk their lives.
3. Other people get paid more than firefighters.
4. Firefighters look sexy in uniforms.
5. Firefighters, like my friend bob, are very nice people.
6. If you dont like firefighters then you should be banned from calling 911 when your house is on fire and you should try to put it out yourself. Ha-ha!

Because of the above reasons and many more good reasons we should not question how much firefighter get paid. If anything it’s not enough! ha-ha!

tb

[teaboy]

[quote=sdrealtor]I dont agree with the finest people argument.[/quote]

sdr,
I also dont agree with that argument. In fact I dont agree with any argument against firefighters, beause:

1. Firefighters have a tough job.
2. Firefighters risk their lives.
3. Other people get paid more than firefighters.
4. Firefighters look sexy in uniforms.
5. Firefighters, like my friend bob, are very nice people.
6. If you dont like firefighters then you should be banned from calling 911 when your house is on fire and you should try to put it out yourself. Ha-ha!

Because of the above reasons and many more good reasons we should not question how much firefighter get paid. If anything it’s not enough! ha-ha!

tb

[teaboy]

[quote=sdrealtor]I dont agree with the finest people argument.[/quote]

sdr,
I also dont agree with that argument. In fact I dont agree with any argument against firefighters, beause:

1. Firefighters have a tough job.
2. Firefighters risk their lives.
3. Other people get paid more than firefighters.
4. Firefighters look sexy in uniforms.
5. Firefighters, like my friend bob, are very nice people.
6. If you dont like firefighters then you should be banned from calling 911 when your house is on fire and you should try to put it out yourself. Ha-ha!

Because of the above reasons and many more good reasons we should not question how much firefighter get paid. If anything it’s not enough! ha-ha!

tb

[teaboy]

johnjr,
I have a refrigerator with a filtered ice/water dispenser which works pretty good.
Is there a reason why you are considering a “whole house” system? Do you get thirsty in the bath?

tb.

[teaboy]

johnjr,
I have a refrigerator with a filtered ice/water dispenser which works pretty good.
Is there a reason why you are considering a “whole house” system? Do you get thirsty in the bath?

tb.

[teaboy]

johnjr,
I have a refrigerator with a filtered ice/water dispenser which works pretty good.
Is there a reason why you are considering a “whole house” system? Do you get thirsty in the bath?

tb.

[Author]

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