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away36 · 20 April 2009, 04:09 AM

Quote:

Originally Posted by linda

Finally, good news. My grandson is out of the hospital. A very sick little guy, 9 years old. He was in 2 weeks, but sick for longer. Catching up on all the posts I've missed, looks like things are pretty quiet tonight.

On a lighter note. Spent most of the day picking up tomatoes, those upside down thingies, dirt, and something to hang them from. Since I can kill a plastic plant, it'll be a miracle if I keep them alive.

Catch you later.

So glad to hear your grandson is doing well. Poor little guy! Must have been so nerve wracking for you!! Good to see you here!

away36 · 20 April 2009, 04:10 AM

Quote:

Originally Posted by BonnyLass

I'm very new here and will hopefully make my first Rolex purchase (WWI era Antique) so just wanted to say 'hello' and to introduce myself. I'm 29, single, and live in DC. So...if you know any great single guys...lol.

Welcome to TRF!!! Can't wait to see your first Rolex. I LOVE the antique ones!

East Bay Rider · 20 April 2009, 06:04 AM

Welcome Bonny

Lisa · 20 April 2009, 06:34 AM

Quote:

Originally Posted by Carolina

*cough" oh excuse me...

Caroline, should we PM a list to her?

Two of my fave single guys here are still in their teens, however!

away36 · 20 April 2009, 06:45 AM

Quote:

Originally Posted by Lisa

Caroline, should we PM a list to her?

Two of my fave single guys here are still in their teens, however!

What? You mean it's not all about the watches and the laundry and gardens and the wine and the yogurt and the Godiva chocolate???

Lisa · 20 April 2009, 06:54 AM

Quote:

Originally Posted by away36

What? You mean it's not all about the watches and the laundry and gardens and the wine and the yogurt and the Godiva chocolate???

Well, it IS as far as I'm concerned, but to a young single woman there may be something more....

Lion · 20 April 2009, 07:15 AM

Hi, everyone I'm back form a short break. Was at a coin convention for early american copper enthusiasts Cincinnati Ohio. Had a good time but missed posting on the Forum. So I missed the conversation about HFCS, nasty stuff but addicting!!!

Hi Bonny, Welcome to the funny farm, enjoy yourself and have fun!!!

redshirt1957 · 20 April 2009, 09:32 AM

Quote:

Originally Posted by BonnyLass

Lisa, I haven't been around here that much but I can already tell that the fellas are interesting to say the least.

Man oh man the things I could post.

away36 · 20 April 2009, 09:36 AM

Quote:

Originally Posted by redshirt1957

Man oh man the things I could post.

Go for it. I paid a bundle for this new slingshot.

Lion · 20 April 2009, 09:39 AM

Quote:

Originally Posted by redshirt1957

Man oh man the things I could post.

Okay 1957, now bite your lip and give Bonny a chance to get her feet wet before you fill her head with sweet nothings!!!

Lisa · 20 April 2009, 09:44 AM

Quote:

Originally Posted by redshirt1957

Man oh man the things I could post.

Joe, you know you'd be first on my list of recommendations, but you don't qualify since you're married and I'm next in line for you anyhow!

redshirt1957 · 20 April 2009, 09:48 AM

Quote:

Originally Posted by Lisa

Joe, you know you'd be first on my list of recommendations, but you don't qualify since you're married and I'm next in line for you anyhow!

Just remeber, IF, and I can only hope; a young ones swoops down and grabs the old man; I ain't a bad safety net.

Carolina · 20 April 2009, 11:27 AM

Wahhh. I just asked the local Kosher market if they had Coke with cane sugar... they are all out and only had it during Passover!

Lisa · 20 April 2009, 11:49 AM

Quote:

Originally Posted by Carolina

Wahhh. I just asked the local Kosher market if they had Coke with cane sugar... they are all out and only had it during Passover!

The health food stores might have their own brand of cola with cane sugar.... but I know, it's not the same thing as a real coke.

Carolina · 20 April 2009, 11:59 AM

Quote:

Originally Posted by Lisa

The health food stores might have their own brand of cola with cane sugar.... but I know, it's not the same thing as a real coke.

*sigh* no substitutions are allowed...

Lisa · 20 April 2009, 12:06 PM

Well, if Coke makes it, can your local grocer be persuaded to order it for you?

Carolina · 20 April 2009, 12:08 PM

Quote:

Originally Posted by Lisa

Well, if Coke makes it, can your local grocer be persuaded to order it for you?

Hmm, good question.

Carolina · 20 April 2009, 12:36 PM

Forgot to mention - I locked in a 4.625% fixed refinance on Thursday!!!

Lisa · 20 April 2009, 01:07 PM

Quote:

Originally Posted by Carolina

Forgot to mention - I locked in a 4.625% fixed refinance on Thursday!!!

Geez! I haven't been following the rates lately, but that's AMAZING!

Carolina · 20 April 2009, 01:11 PM

Now is a good time to follow them! I think they are around 4.75 as of Friday.

Lisa · 20 April 2009, 01:18 PM

Quote:

Originally Posted by Carolina

Now is a good time to follow them! I think they are around 4.75 as of Friday.

Gee, I wish that would entice someone to buy our house. Our realtor called this evening to say one interested young couple couldn't get qualified for a loan - he was just out of law school and she just started a new job. Sigh. Still, the time is right to buy.

If you don't mind my asking, how much lower is your refinanced rate than your old one? I think, when we got this house 2 years ago (almost exactly) the rate was under 6 percent, and we thought that was pretty great.

Carolina · 20 April 2009, 01:25 PM

Our original mortgage was 6% fixed, which we thought was good at the time. At 4.625%, it should take 27 months to recoup our costs. Probably sooner, as we plan to keep sending in the current monthly payment even though the actual amount owed will be much less.

Carolina · 20 April 2009, 01:27 PM

Quote:

Originally Posted by Lisa

Gee, I wish that would entice someone to buy our house. Our realtor called this evening to say one interested young couple couldn't get qualified for a loan - he was just out of law school and she just started a new job. Sigh. Still, the time is right to buy.

If you don't mind my asking, how much lower is your refinanced rate than your old one? I think, when we got this house 2 years ago (almost exactly) the rate was under 6 percent, and we thought that was pretty great.

Our broker told me that anyone under 740 (credit score) is considered less than desirable. Also, I think you need at least 20% down - something we certainly did not have with our first house.

Lisa · 20 April 2009, 01:28 PM

That's smart. Is it a 20 year loan?

Lisa · 20 April 2009, 01:33 PM

Quote:

Originally Posted by Carolina

Our broker told me that anyone under 740 (credit score) is considered less than desirable. Also, I think you need at least 20% down - something we certainly did not have with our first house.

Our agent mentioned that the potential buyers in this case had "some financial problems" in the past, too. And geez, we bought our first house in 1987 and I have no memory of how we financed it. We had both been working out of college for about 2 years, though. We thought $68,000 was an astonishing amount to pay for a house!

Lion · 20 April 2009, 01:38 PM

Lisa, it sometimes seems so crazy what things cost today. My parents in 1960 bought a beautiful house for $26,500 and now cars cost more than that!!!

Carolina · 20 April 2009, 01:39 PM

Quote:

Originally Posted by Lisa

That's smart. Is it a 20 year loan?

No. I was originally going to get a 25 year, as that is where we are in our current mortgage. But, I got a 30 year instead. Monthly, we plan to pay what we are paying now on our current mortgage, which will be around $150 more than is required on the new mortgage. After playing for a couple of hours with mortgage calculators, I figure that should allow us to pay off the loan in 20 years.

So, in practice, we will have a 20 yr loan - but we got the 30 year as a backup juussst in case we should ever hit a bad financial rough spot. In such a dire situation, it would be helpful to have the option to pay a lower amount if it came to that. Sort of a safety net, if you will.

Does this make sense?

It was tough to explain!

Lisa · 20 April 2009, 01:41 PM

Quote:

Originally Posted by Lion

Lisa, it sometimes seems so crazy what things cost today. My parents in 1960 bought a beautiful house for $26,500 and now cars cost more than that!!!

True, Leo. I wonder what the average person's income was back then!

Lion · 20 April 2009, 01:44 PM

Quote:

Originally Posted by Lisa

True, Leo. I wonder what the average person's income was back then!

I know my wife's Dad out of college had a salary of $5,000.00. He was able to buy a house and support his family on that income. He was a C.P.A.

Lisa · 20 April 2009, 01:44 PM

Quote:

Originally Posted by Carolina

No. I was originally going to get a 25 year, as that is where we are in our current mortgage. But, I got a 30 year instead. Monthly, we plan to pay what we are paying now on our current mortgage, which will be around $150 more than is required on the new mortgage. After playing for a couple of hours with mortgage calculators, I figure that should allow us to pay off the loan in 20 years.

So, in practice, we will have a 20 yr loan - but we got the 30 year as a backup juussst in case we should ever hit a bad financial rough spot. In such a dire situation, it would be helpful to have the option to pay a lower amount if it came to that. Sort of a safety net, if you will.

Does this make sense?

It was tough to explain!

Yes, it totally makes sense and seems very smart, too.

20 April 2009, 06:04 AM	#5853
East Bay Rider "TRF" Member Join Date: Oct 2007 Real Name: Bill Location: East Bay RI Watch: GMT-II 16710LN Posts: 12,205	Welcome Bonny __________________ I bought a cheap watch from the crazy man Floating down canal It doesn't use numbers or moving hands It always just says "now" Now you may be thinking that I was had But this watch is never wrong And if I have trouble the warranty said Breathe In, Breathe Out, Move On J. Buffett Instagram: eastbayrider46

20 April 2009, 07:15 AM	#5857
Lion "TRF" Member Join Date: Jan 2009 Real Name: Leo Location: Midwest Watch: GMT-II 16710 PEPSI Posts: 21,461	Hi, everyone I'm back form a short break. Was at a coin convention for early american copper enthusiasts Cincinnati Ohio. Had a good time but missed posting on the Forum. So I missed the conversation about HFCS, nasty stuff but addicting!!! Hi Bonny, Welcome to the funny farm, enjoy yourself and have fun!!! __________________ SS GMT-II 16710 PEPSI(Z-serial#) THE ONLY DIFFERENCE BETWEEN MEN AND BOYS IS THE PRICE OF THE TOYS!!! MontBlanc Meisterstuck Doue Silver Barley MontBlanc Meisterstuck Solitaire Doue Signum Proud Card Carrying Member of the Curmudgeons.....Yikes!!!

20 April 2009, 11:27 AM	#5863
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Wahhh. I just asked the local Kosher market if they had Coke with cane sugar... they are all out and only had it during Passover! __________________ . .Member #5380 .

20 April 2009, 12:36 PM	#5868
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Forgot to mention - I locked in a 4.625% fixed refinance on Thursday!!! __________________ . .Member #5380 .

20 April 2009, 01:11 PM	#5870
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Now is a good time to follow them! I think they are around 4.75 as of Friday. __________________ . .Member #5380 .

20 April 2009, 12:06 PM	#5866
Lisa "TRF" Member Join Date: Sep 2007 Location: oklahoma city Posts: 15,741	Well, if Coke makes it, can your local grocer be persuaded to order it for you?

20 April 2009, 01:25 PM	#5872
Carolina "TRF" Member Join Date: Jul 2007 Location: North Carolina Watch: it, Bubba! Posts: 6,271	Our original mortgage was 6% fixed, which we thought was good at the time. At 4.625%, it should take 27 months to recoup our costs. Probably sooner, as we plan to keep sending in the current monthly payment even though the actual amount owed will be much less. __________________ . .Member #5380 .

20 April 2009, 01:28 PM	#5874
Lisa "TRF" Member Join Date: Sep 2007 Location: oklahoma city Posts: 15,741	That's smart. Is it a 20 year loan?

20 April 2009, 01:38 PM	#5876
Lion "TRF" Member Join Date: Jan 2009 Real Name: Leo Location: Midwest Watch: GMT-II 16710 PEPSI Posts: 21,461	Lisa, it sometimes seems so crazy what things cost today. My parents in 1960 bought a beautiful house for $26,500 and now cars cost more than that!!! __________________ SS GMT-II 16710 PEPSI(Z-serial#) THE ONLY DIFFERENCE BETWEEN MEN AND BOYS IS THE PRICE OF THE TOYS!!! MontBlanc Meisterstuck Doue Silver Barley MontBlanc Meisterstuck Solitaire Doue Signum Proud Card Carrying Member of the Curmudgeons.....Yikes!!!

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