I think you need to go back and check with Ms. Suze
Posted By: Happy MT Robin on 2009-04-09
In Reply to: What I would do - sm - donnad
She'd never advise to refi just for the sake of doing it.
Neither would I. I'm in with the pay the house off contingent. My feeling is if your house is paid off and something happens and you lose your job, you never have to worry about your mortgage being late or something happening that would mean you lose the house. I want that security for myself.
To refi just for the sake of having $$ in the bank is self defeating. You won't earn interest on it to make up for the interest that you're paying and the deduction you get on your taxes also won't off set the interest that you're paying. It's a lose/lose proposition. If you can refi the same amount that you still owe down to a lower interest rate and possibly down to a shorter term, that would be something that would make sense. My sis just took 10 years off of her mortgage with a lower interest rate and her payment only went up by $8 a month.
Now, if you're going to refi and take some $$ out to do home improvements that will increase that value of the house, that's another thing. Again, though, you have to consider the long term effect and how are you going to handle those additional payments for the next 5 to 10 to 15 years of the loan term.
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I will check back!
I will most definitely check back! Also, feel free to e-mail me if you want. I'm glad to help.
suggestion -- in case you check back (sm)
Post is way down the page now, so I don't know if you'll see this, but if you aren't able to find a way to send her out of state for financial reasons, it really isn't a bad idea to just stay in-state at a community college or university. Most of the classes for the first 2 years barely touch courses for the major. And if she goes to a community college, chances are her grades will really be a lot better and she can apply to a broadcasting school out of state with a better chance of being accepted with a scholarship as well. Also, financial aid is available to transfer students who have high GPAs.
If you, by chance are in the state of Florida, I'm not sure if you know it, but if she's on Bright Futures and has the 75%, the community college is paid 100%. But you said she's getting money for books too, so you probably have 100%.
Anyhow, I would, if all else fails, resarch the community colleges and universities in your state that have good broadcasting programs. Broadcasting and journalism are very popular and competitive fields now.
Anyhow, wish you the best! My daughter is getting ready to start applying for transfer to a university for the fall term. She has done SO well at the community college, exceeding my expectations tremendously. She actually is on a double scholarship now with the Bright Futures and she made it into the Student Ambassador Program (give tours, etc.) which is 100% also.
There are so many decisions to make along the way. Just think everything out and remember, everything happens for a reason!! Good luck :-)
But Suze Orman says otherwise - sm
if you cancel the card(s), it DOES show up on your credit report. The longer you've had an acct open, and in good standing, the better it shows for your FICO. Now if you don't plan on ever borrowing money again, I guess it doesn't matter; but if you want to maintain a good credit score, Suze recommends that you simply cut up the card(s) but just don't use them again.
I have about 4 accts like that. I am debt-free, by the way, and have 2 credit cards for emergency purposes or online use, which I pay off in full every month.
Suze Orman just had something on her show about
I wish you could have seen it. anyway...you will be pleasantly surprised that half of his property is yours too...vehicles, boats, etc. the credit card debt is yours and his and will have to be split as well. I say get yourself a good divorce lawyer and tell him how hubby opened up credit cards in your name. Good luck and let us know how it goes.
Suze Orman, financial adviser...
is giving away a free download of her book. Go to Oprah's web site and download, "Women and Money," free until tomorrow at 5:00. I love anything about her and thought I'd share this! Free stuff is also good!
Enjoy!
The more available credit, the better the FICO score is what Suze says.
dd
Have you ever heard Suze Orman/Judge Judy talk
x
University of IL? I heard Suze Orman was a roommate there of John Belushi's wife
xx
Good advice was given here. Suggest vet check-up for kitty needs vet check. sm
I've had 2 females over the years who developed stones/crystals in urine or UTIs. Both of them started spraying inappropriately. Never had a female spray inappropriately other than in these instances. They go into spasm and can't help themselves. If it is a urinary problem, eventually you may see slight pink-tinged spray if it gets that far untreated due to the irritation from constantly trying to pee. One more thought is if the kitty is not sick, maybe the other cat won't let her use the litter box for some reason. Maybe set up another box for her.
Then they can get right back on their tires and rafts and float on back to Cuba! nm
nm
Back-to-back black swans that look like (sm)
a giant moustache. My MIL painted it for us and put our last name on it and my DH nailed it to an outside storage room door. It looks ridiculous, and when the kids have other kids over they always ask why we have a giant moustache on our door!
Hayseed was back a few weeks back
But we haven't heard from her since. I miss her too. I hope she's doing okay.
You might want to check out the
New MT/Student board. There are lots of posts there that would probably interest you like which schools are good and those sorts of things. It is tough to get started unless you work on-site or are willing to take a cut in pay at first. Good luck to you and congrats on the new baby.
Well, what do you know?? Check this out
Maybe this would work with candles too!?!?
http://www.aromapatch.org/aroma.htm
Hmm...may have to check into that
is it very expensive (if you don't mind me asking) I'll have to go check out their website. Thanks for the info!
Check-N-Go
Be very careful with those things. I'm in Florida and have used Check-n-Go here locally. Not sure if they have an online site, but they are very reputable.
You should check with....sm
the manufacturer of your laminate to see what they recommend.
Good luck with the dog on the rug. My sister just put in hardwood floors and their also 10-year-old Pomeranian is having a horrible time trying to walk on it.
I need to check that out
I've heard of them, actually on this board, I think. I checked them out at the time but didn't do any more than that. Maybe it's time to get one and do a pre-emptive cleansing the moment I feel symptoms coming on again.
Thanks!
Um, yes but would check that out thoroughly
a couple of neighborhoods in NJ were named this year, including where I grew up, and what a joke!
One is a town they were recently calling the *cancer cluster* and investigating due to the chemical plants and extremely high cancer rates.
It is also where they built million dollar homes smack in the middle of normal moderate priced homes and then also not too far away from the bunch of low income housing/projects they added over the years.
Well when a couple of these million dollar couples went to the public schools for the first time, they cried! Actually cried. Guess they didn't do their *homework* (no pun intended) before buying. It's been said they can't afford private school because the big deals strapped themselves just to live there. Oh well.
As for me, I'd never buy a house there and I moved away!
My family and friends are convinced the magazine was paid off or maybe somebody knows somebody, like everything else. Wouldn't doubt it. : )
Thank you...I will check it out!! nm
x
I had to check the
board to hear about Misha's dog. As far as the troll, ignore it and maybe it will go away LOL.
Check this out....
DORMITORY:
When you rearrange the letters:
DIRTY ROOM
PRESBYTERIAN:
When you rearrange the letters:
BEST IN PRAYER
ASTRONOMER:
When you rearrange the letters:
MOON STARER
DESPERATION:
When you rearrange the letters:
A ROPE ENDS IT
THE EYES:
When you rearrange the letters:
THEY SEE
GEORGE BUSH:
When you rearrange the letters:
HE BUGS GORE
THE MORSE CODE :
When you rearrange the letters:
HERE COME DOTS
SLOT MACHINES:
When you rearrange the letters:
CASH LOST IN ME
ANIMOSITY:
When you rearrange the letters:
IS NO AMITY
ELECTION RESULTS:
When you rearrange the letters:
LIES - LET'S RECOUNT
SNOOZE ALARMS:
When you rearrange the letters:
ALAS! NO MORE Z 'S
A DECIMAL POINT:
When you rearrange the letters:
IM A DOT IN PLACE
THE EARTHQUAKES:
When you rearrange the letters:
THAT QUEER SHAKE
ELEVEN PLUS TWO:
When you rearrange the letters:
TWELVE PLUS ONE
AND FOR THE GRAND FINALE:
MOTHER-IN-LAW:
When you rearrange the letters:
WOMAN HITLER
Did you check (sm)
Check out the link:
Check this out -
My friend's husband is in the hospital. He went into the ER at 7:00 Sunday night with a blood sugar of 600! At midnight, the ER clerk gave my friend a bill for $9000. I have never heard of them giving you a bill so fast! At 4:30 a.m., he went into the ICU. P.S. He is doing better, and as far as I know, no more bills yet...
Check out....
http://edhelper.com/
It does cost. I think I paid $40 for 1 year, but it covers every subject and has all kinds of worksheets to print out.
You could check....
http://www.replacements.com/index.htm
I don't know if they will be more expensive or not, or even if they will have exactly what you want, but they carry a lot of different brands/styles.
I did check that out....SM
and they do carry Tabletop Gallery, but not the pattern, Winterland, that I want. I appreciate your advice!
Thank you so much! I will check!!
She could check...
the CDC website for faster information. They should have information on there about MRSA and exposure risks. If not, I believe they have a number on the site where you can call the offices and request information.
Please take him to the vet to check
xx
Thanks! I'm going to check them out!
xx
Wow...check this out!
A doctor in Colorado found a surprise when removing what he thought was a benign growth from a newborn's brain. Instead of a microscopic tumor, out popped a tiny foot, partially formed hand, a thigh and another partially formed foot.
http://abcnews.go.com/Health/SecondOpinion/story?id=6488655&page=1
check on
I am checking now and there are tons of videos of him.
thanks, we should all check it out
Just checking out the website gave me enough inspiration to get to the bedroom closet today.
I'd have to check into it
I couldn't stand not knowing...in fact, I can't stand not knowing. I had a very similar situation a year ago but it was a phone call, not a note. I'm still not sure of the truth, which is very hard. Good luck and God bless
check with him sm
If you don't have kids, just put it up on the refrigerator for him to see when he gets home and see what happens. There are lots of "nuts" out there and it may not be true. Just watch how he handles it, you'll be able to tell. If it is not true, then you have to laugh at it. If you have kids, then you have to be very careful when and where you say anything, as they will never forget it, never! So be careful and certainly, let him see it as you will carry it around with you inside and get sick. Good luck!
No check,
$13 per week in check..last I heard it was to start around April 1. Only people getting checks are people on Social Security.
thank you, i will check into that sm
i've heard of aspergers, but not sure what it is. so i'll do some research. with the psychologist, i just had this feeling inside me there was something i didn't like. we won't be going back to her. i'm still looking.
thanks for your information. :)
thank you so much! i will check these out nm
b
check out...
Be sure to check out VRBO.com :) Lots of great deals there!
Check ebay
I found six copies on ebay, that may be one of the few ways to get new movies on VHS anymore.
You need to check with the SS Administration as to how much SM
money you are allowed to make before your benefits are affected. If you retire at 65, you are allowed to make a certain amount of money a year before affecting your SS benefits. However, you will have to pay taxes on any and all extra money you make. I know that at age 70 you are allowed to make as much as you want (or are able to) and there is no penalty to your SS benefits. You do, however, have to pay taxes, Medicare taxes and SS taxes on any and all money you earn.
Just call the SS Administration and they will be very happy to help you and tell you what amount of money you are allowed to make in the year you start receiving SS benefits.
Please check your email.
.
check your soundcard. nm
nm
Check out Google
Today (Valentine's Day) Google's home page has a special way of spelling "Google". The second "g" is in the form of a chocolate-covered strawberry with chocoloate dripping down to form the bottom of the "g" but there is no "l" so that "Google" appears to be spelled "Googe".
Definitely check with an OB doctor
I am 39 now and can not imagine having a baby, my kids are 16 and 14. But if you are in good shape and this is what you want then go for it. By having a healthy lifestyle more people are living longer and many women are having babies in their early 40s.
thanks for the link, i'm going to check it out sm
it's also nice to know that i'm not "crazy" for the way i feel sometimes. there are times where i can feel like i'm going to blow up with anger. bad temper runs on my dad's side of the family. i'm trying hard not to get so angry about dumb little things. i've been learning more about God. i was brought up not going to church or my parents talking about God. i've had some trying times in the past year and have turned to Him for help and i do believe he's there for me. i do find comfort in Him. but i do feel like i have uncontrolable "outbursts", whether it's crying or getting mad. thanks!
What is better than getting you pay check today?
Getting your tax refund also. I am now making plans for my vacation trip this summer out west!! I am so excited. I will use a tour company as my dear hubby and daughter neither one want to travel with me. Oh well, their loss and Yellowstone, here I come!
Check out article :)
The Meaning of R.S.V.P.
Let's Clear Up the Confusion
I hope that this week's tip will benefit hosts and guests alike, because there seems to be a lot of confusion about the meaning of the above term.
Lack of RSVP's - A Growing Problem
I hear more and more often, and have found in my personal experience, that hosts often do not receive firm indications whether guests plan to attend their parties, even if R.S.V.P. is clearly printed on the invitation. This could mean either one of two things. First it could mean that rudeness is a growing trend in our society. Or, as I would prefer to believe, people no longer understand what the term means. Assuming the best, and that the decline in R.S.V.P.'s can be attributed to ignorance and not rudeness, I will clarify this for the record.
What RSVP Means
The term R.S.V.P. comes from the French expression "répondez s'il vous plaît", meaning "please respond". If R.S.V.P. is written on an invitation it means the invited guest must tell the host whether or not they plan to attend the party. It does not mean to respond only if you're coming, and it does not mean respond only if you're not coming (the expression "regrets only" is reserved for that instance). It means the host needs a definite head count for the planned event, and needs it by the date specified on the invitation.
Why It's Inconsiderate to Not RSVP
An incomplete list of respondents can cause numerous problems for a host including difficulty in planning food quantities, issues relating to minimum guarantees with catering halls, uncertainty over the number of party favors and difficulties in planning appropriate seating, among other things.
So the next time you see R.S.V.P. on an invitation you receive, please call your host and respond promptly.
Check with your hotel . . .
I have found that the hotel will usually hold the baggage until a later time.
check out this website...
tops.org
You can enter your zip code and find a meeting near you. They are everywhere. It's just once a week for one hour. No gimmicks, just a support group of friendly, kind people who can help you through the rough times. Less than $25 for the entire year plus $3 each month.
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