[UCGal]

Anyone else by me as skeeved by the poisons as the bugs? I’ve been looking into orange oil for the next termite treatment… Most citrus based stuff works, and is non toxic.

Maybe I just worry that the bug poison could be as deadly as the spiders….

[UCGal]

Anyone else by me as skeeved by the poisons as the bugs? I’ve been looking into orange oil for the next termite treatment… Most citrus based stuff works, and is non toxic.

Maybe I just worry that the bug poison could be as deadly as the spiders….

[UCGal]

Anyone else by me as skeeved by the poisons as the bugs? I’ve been looking into orange oil for the next termite treatment… Most citrus based stuff works, and is non toxic.

Maybe I just worry that the bug poison could be as deadly as the spiders….

[UCGal]

Russell posted a very good calculator (in a thread started by flu). It takes into account the costs of refi, your current rate and how many years left on your loan, inflation, cost of money, etc… It spits out what rate (or lower) it makes sense to refi.

It’s the 2nd link in this comment.

[quote=Russell]http://www.csmonitor.com/Business/new-economy/2010/0812/Mortgage-rates-at-50-year-lows.-Should-you-refinance-Maybe-not

The calculator linked in the article is interesting?
http://zwicke.nber.org/refinance/index.py%5B/quote%5D

[UCGal]

Russell posted a very good calculator (in a thread started by flu). It takes into account the costs of refi, your current rate and how many years left on your loan, inflation, cost of money, etc… It spits out what rate (or lower) it makes sense to refi.

It’s the 2nd link in this comment.

[quote=Russell]http://www.csmonitor.com/Business/new-economy/2010/0812/Mortgage-rates-at-50-year-lows.-Should-you-refinance-Maybe-not

The calculator linked in the article is interesting?
http://zwicke.nber.org/refinance/index.py%5B/quote%5D

[UCGal]

Russell posted a very good calculator (in a thread started by flu). It takes into account the costs of refi, your current rate and how many years left on your loan, inflation, cost of money, etc… It spits out what rate (or lower) it makes sense to refi.

It’s the 2nd link in this comment.

[quote=Russell]http://www.csmonitor.com/Business/new-economy/2010/0812/Mortgage-rates-at-50-year-lows.-Should-you-refinance-Maybe-not

The calculator linked in the article is interesting?
http://zwicke.nber.org/refinance/index.py%5B/quote%5D

[UCGal]

Russell posted a very good calculator (in a thread started by flu). It takes into account the costs of refi, your current rate and how many years left on your loan, inflation, cost of money, etc… It spits out what rate (or lower) it makes sense to refi.

It’s the 2nd link in this comment.

[quote=Russell]http://www.csmonitor.com/Business/new-economy/2010/0812/Mortgage-rates-at-50-year-lows.-Should-you-refinance-Maybe-not

The calculator linked in the article is interesting?
http://zwicke.nber.org/refinance/index.py%5B/quote%5D

[UCGal]

Russell posted a very good calculator (in a thread started by flu). It takes into account the costs of refi, your current rate and how many years left on your loan, inflation, cost of money, etc… It spits out what rate (or lower) it makes sense to refi.

It’s the 2nd link in this comment.

[quote=Russell]http://www.csmonitor.com/Business/new-economy/2010/0812/Mortgage-rates-at-50-year-lows.-Should-you-refinance-Maybe-not

The calculator linked in the article is interesting?
http://zwicke.nber.org/refinance/index.py%5B/quote%5D

[UCGal]

Good post, joec.

[UCGal]

Good post, joec.

[UCGal]

Good post, joec.

[UCGal]

Good post, joec.

[UCGal]

Good post, joec.

[UCGal]

[quote=Nor-LA-SD-guy]Hate to break this to you guy’s but the economy will never recover until home prices are near peak again, (not that I think that’s going to happen anytime soon) it’s just that there is no way anyone who once thought his home was worth such and so is going to feel like spending any money until it gets back close to that point.

It’s just human nature.
If only 15% or so fall into that category then we are going nowhere.

Also the Property tax base must get back to 2006 and then some if we are to keep the current Local Gov spending at current levels.

Otherwise it just one cut followed by the next more painful cut then the next.[/quote]

This assumes everyone bought during or around the peak and that everyone’s tax basis is based on peak pricing…

I bought close enough to the peak (2003) to feel the emotions when I look at the zillow price now vs 2006… but not enough to make spending decisions based on hypothetical values of 2006.

My dad bought in the mid 60’s and sold to me in 2003… I doubt he cared one iota when housing prices went down in the early/mid 90’s… it was still so much higher than he paid.

People who bought pre-bubble are less likely to look at peak pricing as the “goal”.

[UCGal]

[quote=Nor-LA-SD-guy]Hate to break this to you guy’s but the economy will never recover until home prices are near peak again, (not that I think that’s going to happen anytime soon) it’s just that there is no way anyone who once thought his home was worth such and so is going to feel like spending any money until it gets back close to that point.

It’s just human nature.
If only 15% or so fall into that category then we are going nowhere.

Also the Property tax base must get back to 2006 and then some if we are to keep the current Local Gov spending at current levels.

Otherwise it just one cut followed by the next more painful cut then the next.[/quote]

This assumes everyone bought during or around the peak and that everyone’s tax basis is based on peak pricing…

I bought close enough to the peak (2003) to feel the emotions when I look at the zillow price now vs 2006… but not enough to make spending decisions based on hypothetical values of 2006.

My dad bought in the mid 60’s and sold to me in 2003… I doubt he cared one iota when housing prices went down in the early/mid 90’s… it was still so much higher than he paid.

People who bought pre-bubble are less likely to look at peak pricing as the “goal”.

[Author]

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