ION, a peculiar argument for vegetarianism.
Meat-eaters lie and commit sex crimes, according to excellent new Indian textbook
"The strongest argument that meat is not essential food is the fact that the Creator of this Universe did not include meat in the original diet for Adam and Eve. He gave them fruits, nuts and vegetables. Non-vegetarians easily cheat, tell lies, forget promises, they are dishonest and tell bad words, steal, fight and turn to violence and commit sex crimes." From chapter entitled "Do We Need Flesh Food?" in a totally scientifically accurate textbook published in India.
What's wrong with pointing out that Obama won by adopting policies that helped narrow special interest groups like non-whites, or young people, or women?
Won't somebody think of the able-bodied white Christian heterosexual men???????
So, I'm looking into refinancing my house since the current rates are half of what I'm paying now. I've currently got a mortgage broker one of my Co-workers recommended pulling together a list of options for me.
In the meantime, I was looking at the website for the credit union one of my cards is through and it looks like their closing costs may end up being a lot lower than what this broker has been making noises about. (He hasn't given me any actual numbers yet, but he's been saying it will probably take us 1 to 2 years to break even.)
So how obligated am I to stick with this guy once he comes back with numbers?
I feel guilty about potentially making him do a bunch of work for nothing, but on the other hand I don't want to pay a whole lot more money than I have to.
Something for Good Stuff Happened Today?
Kittens and Ducklings
Quick, get the insulin! You might die from the sweetness of 18 ragdoll kittens from four litters playing with day-old hatchling ducks. And then they put that song on top. Feel free to send this to someone who needs a smile.
What's wrong with pointing out that Obama won by adopting policies that helped narrow special interest groups like non-whites, or young people, or women?
At 51% of the population, I don't think women count as a particularly narrow group. Our interests aren't particularly "special". They're the interests of about half of humanity.
So how obligated am I to stick with this guy once he comes back with numbers?
Not at all. Before we bought the new house we were in the process of refinancing, and we got numbers from the bank holding the mortgage, the mortgage broker and our financial adviser and played them all off each other for the best deal. The mortgage broker actually told us after seeing current bank's numbers that we'd be much better off with their deal and why.
Kalshane,
I think you should discuss this with the broker. He might be able to come down on costs if you mention that another financial institution can do it more cheaply.
The main expense for closing costs in a refi is points. If you aren't paying points and it is a run of the mill mortgage, your closing costs should be around $1000 (I think).
BTW, you are likely to do this, but you may also want to check into pre-payment penalties. When I refi'd with ING, I couldn't pay it off within 2 years (I think) or they would assess a penalty.
At 51% of the population, I don't think women count as a particularly narrow group. Our interests aren't particularly "special". They're the interests of about half of humanity.
Yeah, I was being sarcastic.
Obama also gave a gift to racists, Right Wing Christians, and greedy corporate executives, four more years in which they can do their favorite thing: sqwawk about how they're being oppressed. Where's their gratitude?
