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ucodegen
ParticipantDamn, now see what you did.. I got curious and had to run the numbers. What I got:
Principal Rate Monthly Total
$417,000 3.75% $3032.52 $545853.17
$410,000 3.75% $2981.61 $536690.16
$410,000 3.25% $2880.94 $518569.55
On the first loan, you already paid $12,130.08 of the total leaving $533,723.09 of remaining payments. The new loan if started at this point would mean $518569.55 of total pending payments, and $151.58 less on the monthly.
Total diff on the total paid is $15,153.54.This does not include any PMI, service charge, bribe to the local constabulary.. etc.
ParticipantDamn, now see what you did.. I got curious and had to run the numbers. What I got:
Principal Rate Monthly Total
$417,000 3.75% $3032.52 $545853.17
$410,000 3.75% $2981.61 $536690.16
$410,000 3.25% $2880.94 $518569.55
On the first loan, you already paid $12,130.08 of the total leaving $533,723.09 of remaining payments. The new loan if started at this point would mean $518569.55 of total pending payments, and $151.58 less on the monthly.
Total diff on the total paid is $15,153.54.This does not include any PMI, service charge, bribe to the local constabulary.. etc.
Participant[quote poorgradstudent]I’ve read some very rational arguments that human contribution to the global warmiing we’ve seen is a drop in the bucket compared to larger global effects beyond our control. But at least those arguments admit the earth has gotten warmer in the past five decades! [/quote]
Again, topic for another thread, but AGW is not proven.The IPCC was even put in an embarrassing position in 2008. It had snowed in London. London has not had snow for more than 70 years.
http://www.thisislondon.co.uk/standard/article-23579420-arctic-blast-brings-london-earliest-snow-for-70-years.do
This is also why the subject has changed from ‘global warming’ to ‘global climate change’. Talk to any meteorologist, and they will tell you – the climate always changes.
BTW: It also recently snowed in Florida and Texas. When was the last time that occurred?As for warmer over past 5 decades(500 years), that is blatantly false. Chinese records show the northern passage open/free of ice around 1470. England also used to grow grapes/make wine. Now it is only done on the individual scale.
http://www.english-wine.com/history.html
Growing grapes requires higher temperatures. That is why they are grown in the NAPA valley and not along the coast in California.Participant[quote poorgradstudent]I’ve read some very rational arguments that human contribution to the global warmiing we’ve seen is a drop in the bucket compared to larger global effects beyond our control. But at least those arguments admit the earth has gotten warmer in the past five decades! [/quote]
Again, topic for another thread, but AGW is not proven.The IPCC was even put in an embarrassing position in 2008. It had snowed in London. London has not had snow for more than 70 years.
http://www.thisislondon.co.uk/standard/article-23579420-arctic-blast-brings-london-earliest-snow-for-70-years.do
This is also why the subject has changed from ‘global warming’ to ‘global climate change’. Talk to any meteorologist, and they will tell you – the climate always changes.
BTW: It also recently snowed in Florida and Texas. When was the last time that occurred?As for warmer over past 5 decades(500 years), that is blatantly false. Chinese records show the northern passage open/free of ice around 1470. England also used to grow grapes/make wine. Now it is only done on the individual scale.
http://www.english-wine.com/history.html
Growing grapes requires higher temperatures. That is why they are grown in the NAPA valley and not along the coast in California.Participant[quote poorgradstudent]I’ve read some very rational arguments that human contribution to the global warmiing we’ve seen is a drop in the bucket compared to larger global effects beyond our control. But at least those arguments admit the earth has gotten warmer in the past five decades! [/quote]
Again, topic for another thread, but AGW is not proven.The IPCC was even put in an embarrassing position in 2008. It had snowed in London. London has not had snow for more than 70 years.
http://www.thisislondon.co.uk/standard/article-23579420-arctic-blast-brings-london-earliest-snow-for-70-years.do
This is also why the subject has changed from ‘global warming’ to ‘global climate change’. Talk to any meteorologist, and they will tell you – the climate always changes.
BTW: It also recently snowed in Florida and Texas. When was the last time that occurred?As for warmer over past 5 decades(500 years), that is blatantly false. Chinese records show the northern passage open/free of ice around 1470. England also used to grow grapes/make wine. Now it is only done on the individual scale.
http://www.english-wine.com/history.html
Growing grapes requires higher temperatures. That is why they are grown in the NAPA valley and not along the coast in California.Participant[quote poorgradstudent]I’ve read some very rational arguments that human contribution to the global warmiing we’ve seen is a drop in the bucket compared to larger global effects beyond our control. But at least those arguments admit the earth has gotten warmer in the past five decades! [/quote]
Again, topic for another thread, but AGW is not proven.The IPCC was even put in an embarrassing position in 2008. It had snowed in London. London has not had snow for more than 70 years.
http://www.thisislondon.co.uk/standard/article-23579420-arctic-blast-brings-london-earliest-snow-for-70-years.do
This is also why the subject has changed from ‘global warming’ to ‘global climate change’. Talk to any meteorologist, and they will tell you – the climate always changes.
BTW: It also recently snowed in Florida and Texas. When was the last time that occurred?As for warmer over past 5 decades(500 years), that is blatantly false. Chinese records show the northern passage open/free of ice around 1470. England also used to grow grapes/make wine. Now it is only done on the individual scale.
http://www.english-wine.com/history.html
Growing grapes requires higher temperatures. That is why they are grown in the NAPA valley and not along the coast in California.Participant[quote poorgradstudent]I’ve read some very rational arguments that human contribution to the global warmiing we’ve seen is a drop in the bucket compared to larger global effects beyond our control. But at least those arguments admit the earth has gotten warmer in the past five decades! [/quote]
Again, topic for another thread, but AGW is not proven.The IPCC was even put in an embarrassing position in 2008. It had snowed in London. London has not had snow for more than 70 years.
http://www.thisislondon.co.uk/standard/article-23579420-arctic-blast-brings-london-earliest-snow-for-70-years.do
This is also why the subject has changed from ‘global warming’ to ‘global climate change’. Talk to any meteorologist, and they will tell you – the climate always changes.
BTW: It also recently snowed in Florida and Texas. When was the last time that occurred?As for warmer over past 5 decades(500 years), that is blatantly false. Chinese records show the northern passage open/free of ice around 1470. England also used to grow grapes/make wine. Now it is only done on the individual scale.
http://www.english-wine.com/history.html
Growing grapes requires higher temperatures. That is why they are grown in the NAPA valley and not along the coast in California.Participant[quote afx114]Thou shalt not commit adultery.
There are a few laws with respect to this, but we all know that adultery and divorce are commonplace — and perfectly legal — in America.
[/quote]
I did not have sexual relations with that woman – Clinton…Couldn’t resist! ;-P
Participant[quote afx114]Thou shalt not commit adultery.
There are a few laws with respect to this, but we all know that adultery and divorce are commonplace — and perfectly legal — in America.
[/quote]
I did not have sexual relations with that woman – Clinton…Couldn’t resist! ;-P
Participant[quote afx114]Thou shalt not commit adultery.
There are a few laws with respect to this, but we all know that adultery and divorce are commonplace — and perfectly legal — in America.
[/quote]
I did not have sexual relations with that woman – Clinton…Couldn’t resist! ;-P
Participant[quote afx114]Thou shalt not commit adultery.
There are a few laws with respect to this, but we all know that adultery and divorce are commonplace — and perfectly legal — in America.
[/quote]
I did not have sexual relations with that woman – Clinton…Couldn’t resist! ;-P
Participant[quote afx114]Thou shalt not commit adultery.
There are a few laws with respect to this, but we all know that adultery and divorce are commonplace — and perfectly legal — in America.
[/quote]
I did not have sexual relations with that woman – Clinton…Couldn’t resist! ;-P
Participant[quote gandalf]That’s right-wing conservatives telling people what to think.[/quote]
I think it is more extreme right-wing. You could also say that of the hard left PC crowd too – though their approach is not ‘religious’.Participant[quote gandalf]That’s right-wing conservatives telling people what to think.[/quote]
I think it is more extreme right-wing. You could also say that of the hard left PC crowd too – though their approach is not ‘religious’. -
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