Thursday, May 6, 2010

misc.consumers.frugal-living - 25 new messages in 7 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

* Do you feel guilty about the oil spill? - 8 messages, 5 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/4e6d12d1ae80903c?hl=en
* suggestions for purchasing renters insurance - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/69ae8cb3e6eca6c2?hl=en
* get ur friendship & earn - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/b606f90e7f236079?hl=en
* Global gulag, USA - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/88e15c0f17efea24?hl=en
* looking for new rewards credit card - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/8fe230252aad0a43?hl=en
* Shredder? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/06e470dc4f33e3ff?hl=en
* haiiiiiii - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/6070f4405d15e696?hl=en
* - 1 message, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/?hl=en

==============================================================================
TOPIC: Do you feel guilty about the oil spill?
http://groups.google.com/group/misc.consumers.frugal-living/t/4e6d12d1ae80903c?hl=en
==============================================================================

== 1 of 8 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.

OK, OK, I'll take a look...

This one?

http://www.youtube.com/watch?v=2eMkth8FWno

Those were rough times for losers.

== 2 of 8 ==
Date: Thurs, May 6 2010 6:37 am
From: Ohioguy


Not at all. I am, however, rather angry that BP didn't simply have
an 80 ton hunk of granite ready to lower over the gusher within a few days.


== 3 of 8 ==
Date: Thurs, May 6 2010 7:43 am
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 6, 9:37 am, Ohioguy <n...@none.net> wrote:
>    Not at all.  I am, however, rather angry that BP didn't simply have
> an 80 ton hunk of granite ready to lower over the gusher within a few days.

"The oil gushing from the unstoppable oil well into the Gulf of Mexico
was bound to happen. What can it possibly take for Americans to
realize we can't keep destroying our world for oil?

Chevron and BP should pay for their huge part in ruining our
ecosystem.

Let's start with a huge tax on their profits, then fines.

Tax, baby, tax."

Read more: http://www.sfgate.com/cgi-bin/article.cgi?f=/c/a/2010/05/05/ED6J1D9TFR.DTL#ixzz0n7XQ66sj


== 4 of 8 ==
Date: Thurs, May 6 2010 8:19 am
From: "Bill Sornson"


http://blogs.abcnews.com/politicalpunch/2010/05/while-oil-slick-spread-interior-department-chief-of-staff-rafted-with-wife-in-grand-canyon-.html


== 5 of 8 ==
Date: Thurs, May 6 2010 8:27 am
From: "Bill Sornson"


Bill Sornson wrote:
> http://blogs.abcnews.com/politicalpunch/2010/05/while-oil-slick-spread-interior-department-chief-of-staff-rafted-with-wife-in-grand-canyon-.html

And of course this
http://seattletimes.nwsource.com/html/nationworld/2011780029_oilrules05.html
had nothing to do with political contributions.

Bill "plenty of guilt to /spread/ around, apparently" S.


== 6 of 8 ==
Date: Thurs, May 6 2010 8:29 am
From: "Bill Sornson"


Bill Sornson wrote:
> Bill Sornson wrote:
>> http://blogs.abcnews.com/politicalpunch/2010/05/while-oil-slick-spread-interior-department-chief-of-staff-rafted-with-wife-in-grand-canyon-.html
>
> And of course this
> http://seattletimes.nwsource.com/html/nationworld/2011780029_oilrules05.html
> had nothing to do with political contributions.
>
> Bill "plenty of guilt to /spread/ around, apparently" S.

Ooops: http://www.politico.com/news/stories/0510/36783.html


== 7 of 8 ==
Date: Thurs, May 6 2010 8:45 am
From: Simon Lewis


"Bill Sornson" <sorni@noyb.com> writes:

> Bill Sornson wrote:
>> Bill Sornson wrote:
>>> http://blogs.abcnews.com/politicalpunch/2010/05/while-oil-slick-spread-interior-department-chief-of-staff-rafted-with-wife-in-grand-canyon-.html
>>
>> And of course this
>> http://seattletimes.nwsource.com/html/nationworld/2011780029_oilrules05.html
>> had nothing to do with political contributions.
>>
>> Bill "plenty of guilt to /spread/ around, apparently" S.
>
> Ooops: http://www.politico.com/news/stories/0510/36783.html

I'm trying to figure out your issue.

Firstly accidents happen. Secondly they are doing their best to fix
it. Thirdly the management of the rig was out of BPs hands pretty much
yet they are still picking up the tab and doing all in their power to
fix it. Fourthly DESPITE receiving funds from BP Obama has manned up and
informed that world that BP WILL pay for the clear up etc etc.

It seems to me that some people are not happy unless whining. Shit
happens. Do ones best to minimise it. This is a nasty issue but you can
be sure it will happen again from other petroleum companies.

Meanwhile the tyres on your bike were probably made from that ....


== 8 of 8 ==
Date: Thurs, May 6 2010 9:32 am
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 6, 8:45 am, Simon Lewis <simonlewis2...@gmail.com> wrote:
> "Bill Sornson" <so...@noyb.com> writes:
> > Bill Sornson wrote:
> >> Bill Sornson wrote:
> >>>http://blogs.abcnews.com/politicalpunch/2010/05/while-oil-slick-sprea...
>
> >> And of course this
> >>http://seattletimes.nwsource.com/html/nationworld/2011780029_oilrules...
> >> had nothing to do with political contributions.
>
> >> Bill "plenty of guilt to /spread/ around, apparently" S.
>
> > Ooops:  http://www.politico.com/news/stories/0510/36783.html
>
> I'm trying to figure out your issue.
>
> Firstly accidents happen. Secondly they are doing their best to fix
> it. Thirdly the management of the rig was out of BPs hands pretty much
> yet they are still picking up the tab and doing all in their power to
> fix it. Fourthly DESPITE receiving funds from BP Obama has manned up and
> informed that world that BP WILL pay for the clear up etc etc.
>
> It seems to me that some people are not happy unless whining. Shit
> happens. Do ones best to minimise it. This is a nasty issue but you can
> be sure it will happen again from other petroleum companies.
>
> Meanwhile the tyres on your bike were probably made from that ....

Yeah, the question is how much petroleum goes to waste, and how much
is really needed.

Some of us though should decide to ride a bike in peace and let the
others in the RAT RACE live in their own filthy world.

This is what I just posted to MiamiBeach411forum. Notice that while
the Christian use their rap, we --the free monkeys-- have our own
song...

Here's how to slow down Miami Beach

And take it out from the rat race...

Cittaslow (literally Slow City) is a movement founded in Italy in
October of 1999. The inspiration of Cittaslow was the Slow Food
organization. Cittaslow's goals include improving the quality of life
in towns while resisting "the fast-lane, homogenized world so often
seen in other cities throughout the world" -- as the official
slowmovement.com description puts it. Celebrating and supporting
diversity of culture and the specialties of a town and its hinterland
are core Cittaslow values.

Cittaslow is part of a cultural trend known as the Slow movement.

Cittaslow has expanded broadly beyond Italy. By 2006, national
Cittaslow networks existed in Germany, Norway and the United Kingdom;
By mid-2009, fourteen countries have at least one officially
accredited Cittaslow community. In July, 2009, the small seaside
village of Cowichan Bay ([1]), on Vancouver Island, British Columbia,
Canada became Canada's and North America's first Cittaslow town.

Cittaslow - Wikipedia, the free encyclopedia

Not only we could get some good PR (which can bring tourism), but
we can make this some livable community for all. The community would
go from South Beach to Haulover Beach, right by the nudist where we
could take a plunge to cool down.

You may say I'm dreamer, but I'm not the only one.

(sing along)

http://www.youtube.com/watch?v=xxC1UZDc9kY

==============================================================================
TOPIC: suggestions for purchasing renters insurance
http://groups.google.com/group/misc.consumers.frugal-living/t/69ae8cb3e6eca6c2?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, May 6 2010 5:41 am
From: g_1


On 5/4/2010 4:02 PM, Bob F wrote:
> g_1 wrote:
>> On 5/4/2010 12:42 PM, g_1 wrote:
>>> On 5/4/2010 12:12 PM, h wrote:
>>>> "g_1"<g_1@g.com> wrote in message
>>>> news:CDWDn.163500$y13.126505@newsfe12.iad...
>>>>
>>>>>
>>>>> Anybody has experience with Geico for renters insurance? Any other
>>>>> insurance providers i should look into?
>>>>>
>>>>
>>>> I haven't had renters insurance for more than 25 years, but you
>>>> definitely
>>>> want replacement coverage. It really does mean that they will
>>>> replace, at current prices, whatever was insured. We had a pipe
>>>> break in the ceiling while we were away for the weekend, and the
>>>> water ruined the tv, stereo, and
>>>> the computer and printer. The landlord repaired the damage, but it
>>>> was the
>>>> renters insurance that replaced the electronics. That was back in
>>>> the days
>>>> when a small color tv cost $500, a vcr cost $200 and our 5150
>>>> computer set-up cost over $3k! And that's all in 1982 dollars!
>>>>
>>>>
>>> Thanks for the advice, I forgot i have a bed which costed me 425.
>>> Don't have a car, TV or any stereo. All my clothes/ vessels would
>>> cost around 800. No furniture other than chair/table I bought for
>>> 85$(total) from Walmart.
>>
>> Since i have to account for the bed which costed me 425 so all my
>> belongings would cost around 2.5K or max 3K.
>
> Before you need it, make sure you documant your belongings and reciepts. Take
> pictures, and store them offsite.
>
>
Thanks to all posters who responded with their advice.

==============================================================================
TOPIC: get ur friendship & earn
http://groups.google.com/group/misc.consumers.frugal-living/t/b606f90e7f236079?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, May 6 2010 5:56 am
From: LLL <5ennel.0569@gmail.com>


http://123maza.com/75/expressions

==============================================================================
TOPIC: Global gulag, USA
http://groups.google.com/group/misc.consumers.frugal-living/t/88e15c0f17efea24?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, May 6 2010 5:41 am
From: tripletask@gmail..com


http://www.globalgulag.us

Note the schnozzle in picture #3.

cole

==============================================================================
TOPIC: looking for new rewards credit card
http://groups.google.com/group/misc.consumers.frugal-living/t/8fe230252aad0a43?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, May 6 2010 6:46 am
From: Ohioguy


It appears that we are looking for a rewards credit card for the
first time in about 5 years. We've been using a Triprewards Mastercard,
which underwent a slight name change & became the "Wyndham Rewards
Mastercard" about a year and a half ago.

Our current card goes the way of the dodo at the end of next month.
We'll miss it, because it allowed us to get roughly 3 or 4 hotel nights
for free each year, just by spending on what we usually spend. My
understanding is that while the Wyndham Rewards program will continue,
it won't be linked to a credit card any longer.

We don't carry any balance on our credit cards, so interest rate is
meaningless to us. I would much prefer something with no annual fee,
however.

I'll miss the free hotel nights, since we used them for our
anniversary each year, as well as 1-2 short getaways during the year.
Previously, we had a Shell Mastercard that gave us 3% back on all fuel
purchases, and 1% on all other purchases.

Can anyone recommend another rewards card that gives you a free hotel
night stay after spending roughly $6k? Or another rewards card that
gives a 3% reward or better?

Thanks!

==============================================================================
TOPIC: Shredder?
http://groups.google.com/group/misc.consumers.frugal-living/t/06e470dc4f33e3ff?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, May 6 2010 9:28 am
From: KenK


I decided to buy a good shredder and get rid of boxes and plastic bags full
of old receipts - monthly CD interest reports, bank deposit receipts, sales
receipts, etc. What should I look for? I bought a cheap one a year or so
ago and found the number of layers of paper it will handle is very
important so I can shred envelopes with folded recipts in one swell foop.
Anything else? Good brand?

What about length of time to retain various records, receipts, etc.?
Google?


--
"When you choose the lesser of two evils, always
remember that it is still an evil." - Max Lerner

==============================================================================
TOPIC: haiiiiiii
http://groups.google.com/group/misc.consumers.frugal-living/t/6070f4405d15e696?hl=en
==============================================================================

== 1 of 1 ==
Date: Thurs, May 6 2010 9:53 am
From: sanmuga


http://123maza.com/25/rose642/

==============================================================================
TOPIC:
http://groups.google.com/group/misc.consumers.frugal-living/t/?hl=en
==============================================================================

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misc.consumers.frugal-living - 8 new messages in 3 topics - digest

misc.consumers.frugal-living
http://groups.google.com/group/misc.consumers.frugal-living?hl=en

misc.consumers.frugal-living@googlegroups.com

Today's topics:

* Do you feel guilty about the oil spill? - 5 messages, 3 authors
http://groups.google.com/group/misc.consumers.frugal-living/t/4e6d12d1ae80903c?hl=en
* ◢Hot Sale Nice Design Various Brand Handbags: Louis Vuitton,Prada,Chloe,
Chanel,etc.== http://www.tradedong.com - 2 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/5beb513ddfec415e?hl=en
* Annual lump sum additional principal payment on mortgage or pay monthly? How
much better is one over the other? - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/t/ab333bb986f9260e?hl=en

==============================================================================
TOPIC: Do you feel guilty about the oil spill?
http://groups.google.com/group/misc.consumers.frugal-living/t/4e6d12d1ae80903c?hl=en
==============================================================================

== 1 of 5 ==
Date: Wed, May 5 2010 7:16 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
> If we had Monty Python Feudalism, we'd run around banging two halves
> of coconuts together, which has even less environmental impact than
> riding a bicycle. So just quit talking shit about Feudalism.

Wait a minute, wouldn't we be riding horses?

The armor now is the SUV instead of those uncomfortable armor suits.
Yes, we have come a long way...

== 2 of 5 ==
Date: Wed, May 5 2010 8:08 pm
From: "Nick Naim"

"Rod Speed" <rod.speed.aaa@gmail.com> wrote in message
news:84eb9dFov5U1@mid.individual.net...
> Jeff Thies wrote:
>> His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
>> Enterprises wrote:
>>> On May 4, 6:39 pm, Forrest Hodge <f...@hotmail.com> wrote:
>>>> On 5/4/2010 4:55 PM, Bob F wrote:> Forrest Hodge wrote:
>>>>
>>>>>> 3. No thanks, cars are more than just appliances to me. Sure I
>>>>>> could drive a 1 liter shitbox, but I like the idea of having 400+
>>>>>> HP at my whim. Gas is cheap.
>>>>> I guess that's the problem. It's too cheap.
>>>> Well, those who have vehicles that use more fuel are paying
>>>> proportionately in taxation already. I have no problems with that.
>>>> It's my choice to drive a muscle car. But I don't think the
>>>> government should artificially create rules and regulations that
>>>> get in the way of what the people want. In Britain for example fuel
>>>> is taxed heavily. It all but forces people to drive smaller, less
>>>> powerful cars. You have to be rather wealthy in Britain to afford a
>>>> petrol powered V8 car or SUV. If they had more reasonable (by North
>>>> American standards) fuel taxation, they probably wouldn't be
>>>> driving diesel hatchbacks around.
>>>
>>> They wouldn't fit in their roads and who cares about cars that are
>>> bigger outside and waste gas for the hell of it.
>>>
>>> My favorite car (most fun, lots of character, perhaps most roomy) has
>>> always being a 2 cylinder '72 Honda 600. Now Honda cars seem big, fat
>>> and stupid, except for the Fit.
>>
>> I think that uses Honda's Variable Valve Timing tuned for optimal
>> mileage. The Civic HX used the same technology, I think that works
>> better in the smaller car. Seems like they had some emissions issue
>> with that also, perhaps NOx.
>>
>> Next I like the 3 cyl. Geo Metro.
>>
>>
>> I have a friend who has 3 of them. At least that's what it takes to
>> keep one on the road. He has a hard time getting them to pass
>> emissions.
>>>
>>> That's all you need to go under 70mph.
>
>> I'm looking forward to the next generation of electrics.
>
> I cant see that the price will ever be viable compared
> with a very small car running on natural gas.
>
>> Eventually mass production will drive down battery costs.
>
> It hasnt with laptops.
>
>> I haven't seen a Tesla yet, but what a dream that car appears to be.
>
>> I think some time down the road you might see more hybrids of differing
>> designs. Imagine a stirling or a diesel hybrid, but battery cost has to
>> come way down.
>
> And I cant see that happening.
>
>> My gas solution is just to work at home, an increasingly popular option.
>
> True.
how does a carpenter work at home?

>
>


== 3 of 5 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.

OK, OK, I'll take a look...

This one?

http://www.youtube.com/watch?v=2eMkth8FWno

Those were rough times for losers.

== 4 of 5 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.

OK, OK, I'll take a look...

This one?

http://www.youtube.com/watch?v=2eMkth8FWno

Those were rough times for losers.

== 5 of 5 ==
Date: Wed, May 5 2010 9:49 pm
From: "His Highness the TibetanMonkey, ComandanteBanana and Chief of Quixotic
Enterprises"


On May 6, 12:11 am, Walt <wka...@yahoo.com> wrote:
> On May 6, 3:14 am, "His Highness the TibetanMonkey, ComandanteBanana
> and Chief of Quixotic Enterprises" <comandante.ban...@yahoo.com>
> wrote:
>
> > On May 5, 5:36 pm, Walt <wka...@yahoo.com> wrote:
>
> > > If we had Monty Python Feudalism, we'd run around banging two halves
> > > of coconuts together, which has even less environmental impact than
> > > riding a bicycle. So just quit talking shit about Feudalism.
>
> > Wait a minute, wouldn't we be riding horses?
>
> The horses are SIMULATED by banging together the coconut halves. You
> haven't seen the movie? I thought you were only symbolically a
> Tibetan Monkey.

OK, OK, I'll take a look...

This one?

http://www.youtube.com/watch?v=2eMkth8FWno

Those were rough times for losers.


==============================================================================
TOPIC: ◢Hot Sale Nice Design Various Brand Handbags: Louis Vuitton,Prada,Chloe,
Chanel,etc.== http://www.tradedong.com
http://groups.google.com/group/misc.consumers.frugal-living/t/5beb513ddfec415e?hl=en
==============================================================================

== 1 of 2 ==
Date: Wed, May 5 2010 7:25 pm
From: nice


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welcome to our site:www.tradedong.com

TradeDong.com is one of the biggest online commercial corporations in
Asia, committing itself to build a worldwide wholesale shop online.
Our company was originally set up in PuTian, China in 2006, aiming to
operate the business-to-customer transactions with overseas consumers.
Our brand name was originated from imitating the gurgling voice people
utter when enjoy something happy. Along with the rapid development of
electronic business in China, TradeDong has earned itself a solid
reputation for quality, reliability and professionalism in this field.
Our operation capabilities cover favorable policy, affiliate discount,
instant and safe delivery, privacy protection and well-rounded
customer support.


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Dooney&Bourke Handbags
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Lacoste Handbags www.tradedong.com
BOSS Handbags

== 2 of 2 ==
Date: Wed, May 5 2010 7:25 pm
From: nice


◢Hot Sale Nice Design Various Brand Handbags: Louis
Vuitton,Prada,Chloe,Chanel,etc.== www.tradedong.com

TradeDong.com is one of the biggest online commercial corporations in
Asia, committing itself to build a worldwide wholesale shop online.
Our company was originally set up in PuTian, China in 2006, aiming to
operate the business-to-customer transactions with overseas consumers.
Our brand name was originated from imitating the gurgling voice people
utter when enjoy something happy. Along with the rapid development of
electronic business in China, TradeDong has earned itself a solid
reputation for quality, reliability and professionalism in this field.
Our operation capabilities cover favorable policy, affiliate discount,
instant and safe delivery, privacy protection and well-rounded
customer support.


Louis Vuitton Handbags
Prada Handbags www.tradedong.com
Dolce & Gabbana Handbags
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TOPIC: Annual lump sum additional principal payment on mortgage or pay monthly?
How much better is one over the other?
http://groups.google.com/group/misc.consumers.frugal-living/t/ab333bb986f9260e?hl=en
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== 1 of 1 ==
Date: Wed, May 5 2010 9:28 pm
From: "John Weiss"


mike wrote:

> I currently pay $200 extra a month as additional principal on my
> mortgage. This adds up to two additional mortgage payments a year.
>
> Rather than pay the $200 a month, would it be better to do a lump sum
> payment of $2,400 at the beginning of each year, then pay the $200/
> month to myself in a bank account--to save up for the following year's
> lump sum payment? I have the $2,400 now, so I could start "today" and
> make it an annual thing.
>
> Clearly, it would be beneficial to do the lump sum vs. the monthly
> payment to knock down the outstanding loan amount quicker. But how
> much more beneficial? Significant enough to make it worthwhile over
> the course of a 30 year fixed mortgage? How can I calculate the lump
> sum savings vs. monthly payments?

The earlier you make the payment, the less interest you will pay on the
remainder, and the more principal you will pay each month thereafter.

If your interest rate is 5%, the annual interest on that $2400 is $120,
or $10/month. You will pay almost $10 more in principal every month if
you pay the $2400 up front. Not a lot, but it will add up...


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