[teaboy]

Flu,
In layman’s terms, what the heck is this you’re looking for and what use is this information to someone?

thanks,
tb

[teaboy]

[quote=harvey]Here is the fact that overwhelms all others:

Military Expenditures

Yeah, “we’ve got China and Russia…” What a joke.

Anyone who claims that there is no room to cut military spending is oblivious to basic reality.

The specifics hardly even matter – we could cut 50% across the board and still dominate.

Russia would have to spend about 40% of their GDP to even approach the size of our military.

China? Yeah, they’re going to start a war with their biggest customer…

Iran’s budget is about 1% of ours. Less than 1/3 of Canada’s.

But the bogey men are out there!

I check back in here and see that nothing has changed: Allan’s posts are a string of arbitrary references to history that are devoid of any actual coherent argument or position – it almost sounds like he’s making a point, but he never does.

And of course Obama is still the devil because of NDAA et. al. – gotta get that one in every time while we ignore the 99% of other lawmakers who support the same polices also.

Allan, it’s been a while. I’m sure you had the time to read the book on Constitutional law and executive power that I recommended to you – twice. Since you have such a strong interest in understanding who is responsible for these policies, I’m sure you jumped right on it.

For the curious: http://www.amazon.com/Power-Constraint-Accountable-Presidency-After/dp/0393081338/ref=cm_cr_pr_product_top

Oh, so what’s your donation to the ACLU this year – one of the few organizations that have the will and the means to take on this fight? I’ve already made my donation, but I’ll make an additional one to match yours.

You are doing something, right? Not just complaining? I’d hate to think you were just posting here so that you can feel smart.

Keep pushing folks, and maybe we’ll get to hear him pull out the “big words…”[/quote]

Brilliant post harvey. Superb!
tb

[teaboy]

[quote=Hobie] I don’t wanna deal with Sony any more. Used to be top of line products but not anymore. I’m actually liking Samsung stuff very much lately. YMMV.[/quote]

Second that. Sony suck a$$.

tb

[teaboy]

[quote=spdrun]Report it to whatever authority regulates title agencies in CA if you can’t gain satisfaction by other means.[/quote]

spdrun,
No offence. I mean, it’s the holidays an’ all, but what a completely useless response for me. If I knew who the regulatory authority was i probably wouldn’t be asking this question.
You are a gnat’s prick away from being place firmly on the top of my “ignore” list. 😉

tb

[teaboy]

Flu,
“North American Title Company” were the escrow company here. [World Wide Land Transfer, Inc, were the title company.]

Again, the escrow company, “North American Title Company”, is not responding to me. Hence my question…

What options do i have?

cheers,
tb

[teaboy]

[quote=AN] There’s no way you can get $1m for $400-500 now. You can’t even get $1M policy for $400-500 3-4 years ago. There must have been a big price increase 5-6 years ago, right after you got it.[/quote]

Um, did anyone read my post above, on the 15th?

It went something like this…
[quote=teaboy] MM, I just got $1M life insurance for similar reasons to what flu wrote. Costs were:
$1,000,000- 15 year term-$300.00 Annual
$1,000,000- 20 year term-$440.00 Annual
$1,000,000- 25 year term-$730.00 Annual
$1,000,000- 30 year term-$790.00 Annual
I wasted quite a bit of time getting individual quotes before I found quickquote.com which gave instant online quotes from multiple providers.[/quote]

Btw. I’m 34 & reasonably healthy.
tb

[teaboy]

[quote=AN]I use them to price match.[/quote]

AN, who are you able convince to price match them?
Gimme a name/telno!

thanks,
tb

[teaboy]

Beware absolutemortgageco.com
I locked my rate with them, paid for appraisal, then they ignored my calls and emails while my lock expired then relocked (without asking or telling me that my lender credit was $3k less even tho market rates were slightly lower than before).

Bunch of bait and switch shysters.
Beware!

tb

[teaboy]

MM, I just got $1M life insurance for similar reasons to what flu wrote. Costs were:
$1,000,000- 15 year term-$300.00 Annual
$1,000,000- 20 year term-$440.00 Annual
$1,000,000- 25 year term-$730.00 Annual
$1,000,000- 30 year term-$790.00 Annual

I wasted quite a bit of time getting individual quotes before I found quickquote.com which gave instant online quotes from multiple providers.

tb

[teaboy]

flu, please consult a tax attorney for all tax questions.

…but i personally don’t receive 1099s or anything, so i don’t enter it into turbotax.

tb

[teaboy]

To clarify, my tactics are based on a couple personally held expectations:
1. I am highly unlikely to NOT refinance again in the next 5-10 years, let alone 15 years, due to either comparable low rates (and lender credit) making it worthwhile to refinance, or from having to move house. (anecdote: I personally paid points for my first mortgage in 2008 and regetted it soon after when life changes prompted me to relocate.)
2. Rates are not unlikely to “fluctuate but stay low” for the next 1-2+ years.

As has been stated before, these tactics (frequent refinance with lender credit) are especially good in a descending-rates environment. But, I believe they’re also pretty good in a environment stated by #2, based on expectation #1.

My tactics aren’t for everyone, but they’ve served me well for the past 4 refis and I’ll continue until rates rise to make it no longer worthwhile.

Again, if anyone knows of better online rates than absolutemortgageco.com, PLEASE LET ME KNOW!

tb

[teaboy]

come now, flu. You can’t possibly be rationalizing to yourself that it’s not you incurring the closing costs when you’re just increasing your total debt by $5k…

As we’re doing show and tell, I’m locking a refi at $405k, 15-year fixed @ 3.125% with a lender credit of $11k, meaning total net closing cost of -$7k.

FYI #1: I have 30% equity and 740+ credit score.

FYI #2: I’ve done a lot of shopping for rates and have never found a better offer than I can view instantly online at absolutemortgageco.com.

(disclaimer: I am in no way associated with absolutemortgageco.com, but they just seem to be the price champion for my scenario, plus they have their specific rates & lender credit available online. Their nearest competitor is amerisave.com, who are a bit more expensive. If anyone knows of another comparable online direct lender PLEASE LET ME KNOW!)

tb

[teaboy]

[quote=flu]Ready to lock. Anyone know of a better deal?
Talk me out of it one last time before I lock
(and subsequently see rates plummet).[/quote]

flu, why not see if you can get them to up to rate to 3.25 and give you a hefty lender credit in return. Then refinance again in 3 months when rates will likely be around the same range they are today.

Fed Reaffirms Low-Rate Policy: http://online.wsj.com/article/SB10001424052702304723304577365914274371868.html?mod=googlenews_wsj

I’m just refinancing again myself after netting $6k in Feb… http://piggington.com/refinancing_again_with_negative_points

tb

[teaboy]

If you’ve ever travelled around SE Asia, you’d probably agree that:
1. The majority of (nice) beach areas are already 50%+ westerners. Locals cant afford it.
2. Hence the RE cost of a bar on the beach is not cheap!
3. Competition with other bars is typically high and income is low. Owning a bar and having to deal with the day-to-day managing of it would be a PITA, in my opinion.
4. Although there are many older travellers, and even some who aren’t pedos, it’s mostly a young man’s (18-25) game.

However, if I were independenly wealthy, a “6mo here and 6mo there” type of lifestlye between SE Asia and US would sound very tempting.

tb

[teaboy]

How much does the house (appraisal) value influence your refi? LTV?
Surely loan amount and interest rates are more key.

FYI: I got 2 appraisals done on the same day. The first was 585k, the second 645k.

tb

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