We have refinanced (or at least started the process) and locked in at 4.96 after paying a point (it was 5.6 without the point, lenders wanting up-front money and assurance in today’s market). We are rolling in the point and closing costs into the new loan and we’ll still be saving $140/month over our current loan (and if we hadn’t rolled in the costs, it would only have saved us $21/month more).
A very funny post for the programming nerds out there:
If programming languages were religions…
By amz – Monday, December 15, 2008 at 14:52
PHP would be Cafeteria Christianity – Fights with Java for the web market. It draws a few concepts from C and Java, but only those that it really likes. Maybe it’s not as coherent as other languages, but at least it leaves you with much more freedom and ostensibly keeps the core idea of the whole thing.
We were talking about this recently and we realized that in the past two years: We have lived in 5 different places (our apt in Columbus, Anita’s mom’s for a few months, Chili’s house for almost a year, Houston with my family for a couple of months, and finally our new house) I have worked 6 positions in 3 companies, not counting consulting gigs on the side.
There’s a great video done by Dan Harris of ABC news on the Mates of State and what the family does when they go on tour.
I love the wholesomeness of it and it fits right in with what I think they would be like. This band is one of my absolute favorites and that’s only encouraged by this peak into their good parenting and family priorities.
http://abcnews.go.com/video/playerindex?id=6318255
http://www.facebook.com/note.php?note_id=37203373110&ref=mf