Ok. so the bank called back, with more information.
Since prime went down today, they are thinking the fixed rate will go down a little too. GREAT! He told me there was a closing fee $299. Fine, better than the $500 I was anticipating. And he apologized, he made an error, 4 year is at 4.29 and 5 year at 4.39
Dh is now on the fence over 0.1%! He wants to shop around. If we move the mortgage, we have a $700 penalty to pay, plus whatever closing fees.
I keep trying to tell people about swagbucks and how you can win just by searching. Well they have a flick r show now and they picked people's pictures to put up there and I was one of them. Here's my picture of me and my prizes here's the link http://www.flickr.com/photos/swagbucks/page3/
I am happy.
The play was amazing. It was beyond theatre in the round, it was immersion theatre. The goal was "Shakespeare for the next generation" and it was billed for 13 and up. There were many many young teens there. The audience was on the stage, the action happened all around. The kids were sitting on the steps, sitting on Juliet's balconey. I cried at the end, barely held back sobs. The only thing wrong with it was that my ODD was 5 years too young!
In other areas, things
I just cut up another card! YAY!!! AND closed it.
We spoke to the bank, and we're moving ahead with the new financing. We got a great rate. With any luck the rate will be a little lower when we go to sign the papers.
NO penalty, as expected, due to the type of mortgage in the end, and possibly no closing fees depending on what banking "specials" are in effect. We'll know more in the next couple days on that. Our rate might be .25% less as well 4.05% would
Updated 03-03-2009 at 01:40 PM by mommy4ever
This weekend I was reading “You’re Broke Because You Want to Be: How to Stop Getting By and Start Getting Ahead” by Larry Winget. (A pretty good read, by the way. The advice is nothing groundbreaking, but his straight talk and no excuses approach is entertaining.) Anyway, in the book he states that most people who are financially secure don’t eat out often, if ever. I agree. Eating out is expensive and easy to lose track of. The meals add up before you realize exactly how much you’ve spent. It’s