PeeluckyDuckee
Diamond Member
- Feb 21, 2001
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"you eat the rice, but you don't know the price" - lol, that's almost a classic one in asian families 
Originally posted by: PeeluckyDuckee
"you eat the rice, but you don't know the price" - lol, that's almost a classic one in asian families![]()
Originally posted by: merlocka
"The day the eagle sh!ts."
Never really understood that one, but it makes me laugh.
Originally posted by: SuperCommando
My dad is insane, sometimes. He gets a catch phrase and doesn't let it go for weeks. He just recently stopped walking around the house, hiding in dark corners and whispering to us when we walked nearby: "Can you hear me now?" I'd be sitting in my room at the computer and I'd hear him say that and I'd look over and there's his head, poking out from the top of the stairs. It was only a couple of weeks before that when he stopped saying "Zoom zoom!" like in the Mazda commercial.
For the longest time, he's said: "I like cats. But I can't eat a whole one." (substitute "cats" for any other animal....)
He doesn't ever have anything profound or intelligent to say. He's just odd.
Originally posted by: PsychoAndy
Originally posted by: PeeluckyDuckee
"you eat the rice, but you don't know the price" - lol, that's almost a classic one in asian families![]()
25 cents a pound! i told you already!
-PAB
Originally posted by: PsychoAndy
Originally posted by: DaveSohmer
Originally posted by: PsychoAndy
Not 2 minutes ago......
Me: Mom, I'm refinancing the house.
Mom: At what rate?
Me: 6 points. no closing.
Mom: Its not worth it, we're paying 7.
-PAB
Just to be clear. You have found someone to lower your interest rate by 1% and you pay no closing costs, fees, points, etc? Or are you just rolling it all into the new loan? The reason I ask is that the general rule of thumb for refinancing I have always read is that the rate drops by at least 2% and you plan on living in the house for at least 10 more years. Every case has it's own merits, I'm sure.
Chief, although young and stupid I do realize that and I have used the 2% as a rule of thumb. From what mom and dad tell me, if you dont save at least 2% the costs associated with refinancing offset the savings.
After some shopping around the internet I found some excellent rates. Depending on the lender, I saw CharterOne mortgage is offering a 15 year no points 6% fixed rate, no closing cost refinance to certain states. I'm gonna check in the morning with them and see if FL qualifies for no closing costs on a refinance.
Another lender (Avant Lending Group 323.935.8355) is offering 5.75% with the same prerequsites as CharterOne (1-800-288-5569) but with an $800 closing.
I checked for TN and obviously the rate will depend on your credit rating but I found 5.75% and about $1100 in closing costs thru First Rate Mortgage.
-PAB
