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  1. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    I could not find what you meant but I had to read all your statements. Generally I agree with all your statements. I too locked at 15 year, 4.75%, no points, no cc, , with $299 "points". I did it with Greenlightloans.com In one week they were at my home signing the darn thing. In another...
  2. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    Where is that assumption? Please point it to me.
  3. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    1. Amen. 2. So which is it, do bankers prefer a 28 year mortgage or 30 with the same identical rate? 3. You did not get my point. When you save X from your mortgage interest it is EXACTLY like getting a raise of X dollars, right? (Unless one does not itemize which would make it even better...
  4. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    Well, I agree with your math but not quite with your conclusions. 1. In your example the person can increase their payments on their own just enough to cause the mortgage to last only 28 years. 2. I do not believe this so called "banker's secret". You seem to imply that bankers prefer a 30...
  5. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    Well, not quite. It depends whether your old escrow balance is given to you immediately (credited to your old lean pay off amount immediately) or later. If the former, then your loan amount also increase by the amount of your new needed escrow amount or you have to pay the same upfront.
  6. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    And the above two nightmarish scenarios (1) still having cost to others such as appraisers, ad (2) adding the closing cost to the loan and hiding it from the borrower, would the APR be identical to the simple interest rate? I do not think so. The APR disclosure is your friend.
  7. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    If this is a no closing cost option, jump on it. The best I can find with zero or almost no closing cost is 5.75. Good for you.
  8. K

    Wells Fargo customers - ReFi Mortgage w/ no closing costs ** Edit ** Still warm, but cooling off

    This sounds like a plug for full price mortgage companies and banks and against discount/innovative mortgage companies. If you pay closing cost, you are kinda out of competition for refinancing because if you do refinance, it is almost as if you threw your previous closing cost in the toilet...
  9. K

    NOT HOT: Thousands of Popular internet merchants giving out your credit card # for clicking a link after purchase

    $0 or $50 liability and disputes are unrelated concepts. If your dispute is successful, your liability is $0 even if your CC does not have a $0 liability program.
  10. K

    HOT! Leather jackets from Jos. A. Bank from $200

    First, I am grateful to your sensitivity as you did not invoke the first definition to be applicable here. Second, I accept it that *you* consider it of no value to you. But obviously a group of people consider such statements not only of value but to hold truth. Do you not see that by your...
  11. K

    HOT! Leather jackets from Jos. A. Bank from $200

    A simple comment "dead animals are not a hot deal", a statement that has no insult it, is not "tripe" and does not give animal rights activists and vegetarians a bad name. Some of the responses to that simple statement, however, is closer to tripe and do give certain people a bad name.
  12. K

    HOT! Leather jackets from Jos. A. Bank from $200

    Let's not be overly sensitive/critical. It is ok if someone says say nylon underwares are not hot deals or jacketa mde by child labor even if cheap are not hot deals. Same with "dead animals" comment. I agree that perahps the original comment was not 100% proper but let's not be hostile to such...
  13. K

    Radar Detector 42.00 oos

    Honest and reputable merchants inform you when you order an item if the merchandize is refurbished. This site does not. In fact such info is explicitly included in honest merchant?s invoices. Not in this case. This is a dishonest site and I would not order from it even though their prices are...
  14. K

    Radar Detector 42.00 oos

    I am surprised that nobody has mentioned this but this site's merchandise according to themselves is 95% reconditioned. But they hide that fact real well and that pisses me off. If you are dishonest in one way, it is likely that you are dishonest in many other ways.
  15. K

    Any better deals on Long-Distance plan w/Toll-Free #

    Onesuite.com is 2.9 c (2.5 c if they have a local phone number in your area and you use it). And it is wonderful with many useful features. (Beware, some of the international rates are not good at all.)
  16. K

    Reduced call costs - US Domestic 2.5c, no monthly fee. Good service IMO.

    Look, guys. OneSuite is a God-gift like Cyberrberate was. Now if you tell a lot of people, then this good thing would stop like the other one. Okay, okay, I am kidding. And I am sorry if I reopened some old wounds. :-) However, OneSuite *is* God-gift. I am afraid that it is too good and might...
  17. K

    Reduced call costs - US Domestic 2.5c, no monthly fee. Good service IMO.

    To truly show your disdain for the big LD companies, you need to refuse to have any 1- access. If someone tries to use my home phone and dials 1-234-555-6789 he would get an error announcement. Recently I was asking help from an Alltel employee and he could not believe and did not know that one...
  18. K

    rebate check mis-spelled my last name

    My advise is not to cash it per se but deposit it in your account. I would give a 100 to 1 odds that no one would notice it.
  19. K

    Attention all that purchased S200 from Dell and had to reconfirm order

    Did you have to reconfirm your order (as per the title of this thread)?
  20. K

    HOT! RC Plane w/battery and Charger 59.99 Today Only

    << Hmmmmm.... now (Tuesday, his link posted Monday) Jokersmoker's link points to: Railroad Empire Ready-to-Run HO Scale Electric Train Set Original Value: $129.99 Today Only: $49.99! Savings: $80.00 (62%) Not too shabby i guess...... >> I really do not care about "Original Value"...
  21. K

    US-US =1.7 cents; US--China=2.1 cents.....

    << Check this web site: www.callingsaving.com:) For every new customer who sign-up at www.CallingSaving.com with your email address as referral ID, you will get 50 points as an award. And for every dollar he or she spends on our site in the future, both you and he/she will get 1 award point...
  22. K

    Credit Card Hot Deals

    << KATX, the Farm Bureau Card pays a FULL 2 % back once you have spent $35,000 and points/$spent carry over as noted above. What that means is, if you are like me and spend over $35,000 a year, I get a check for $700. The other graduated paymnt cards NEVER reach a true 2 % becuase the first...
  23. K

    Credit Card Hot Deals

    << KATX, the Farm Bureau Card pays a FULL 2 % back once you have spent $35,000 and points/$spent carry over as noted above. What that means is, if you are like me and spend over $35,000 a year, I get a check for $700. The other graduated paymnt cards NEVER reach a true 2 % becuase the first...
  24. K

    Credit Card Hot Deals

    << What do peole think of the Farm Bureau credit card? If you spen $35,000 over 3 years it is a TRUE 2% cash back. >> I checked their web site. It says "up to" 2%. Why people are willing to ignore these two small but significant words is puzzling to me. So then what is a not-so-true 2% cash...
  25. K

    UPDATE:Losing HOTMAIL (7/28), Amexmail, Yahoo..... Here are Cheap emails wPOP/SMTP ...........

    I am not very good at these things but how come no one has mentioned Juno? Juno has a free Internet service that is limited to 30(?) hours per month. I have subbed to Juno to get a email-address. I never use their ISP. I cannot say what the limit is on their mailbox but frequently I have...
  26. K

    UPDATE:Losing HOTMAIL (7/28), Amexmail, Yahoo..... Here are Cheap emails wPOP/SMTP ...........

  27. K

    Calls to India 42c/min using ATT and MCI

    << Brian - What about rounding on your cards ? Is it 3min or 1min ? Also which cities are 56 minutes? Couldn't find much info at cardcents.com >> This 3 minutes rounding bugs me a lot. It insults my intelligence. One minute rounding was the norm for many years. Recently many pioneer...
  28. K

    Calls to India 42c/min using ATT and MCI

    << I've been using BigZoo.com (sister site of OneSuite.com) for a while and highly recommend it for domestic and international calls. >> "Sister site"???? Is this a guess or fact? I always suspected that. Their web sites are just too similar.
  29. K

    $50 if owned Memorex CR-622 or CRW-1622

    << Claim form says proof of purchase may be one or more of the following: Sales receipt, credit card billing statement, product package , product manual or inserts. >> 1. "One or more"??? Why more? 2. So if someone has the sale receipt, a credit card billing statement, the product packages...
  30. K

    Meineke Coupons

    The 50% discount on brakes says "Discount applies to regular retail pricing." I seriously doubt a person going into a shop today without this coupon will be charged twice as much the one with this coupon. But it this is a true 50% off, then it is a phenomenal deal. When one goes into these...
  31. K

    Credit Card Hot Deals

    << as for Juniper 2% cash rebate card, it's a great credit card. has no annual fee, in my opinion it's as good as any frequent flyer mile card, it has the advantage of no annual fee and earn cash instead of miles. ok, the 2% means the highest tier is 2%. here is the cash rebate rule again...
  32. K

    Credit Card Hot Deals

    << Amoco Visa limits you to $70 in rewards per year. I would burn the card out in one month. I'll take the $500 cash from Juniper. >> I am sorry. I thought we were discussing the "best" card in general and not the best card for you. :-) But seriously: my point is made by your mentioning...
  33. K

    Credit Card Hot Deals

    << Juniper doesn't require you to carry any balance to get the 2% cash rebate tier. 1% cash rebate begins as soon as $2000, and 2% begins when $10000 spent. get some additional cards for your family, you together should reach $10000 plus easily.. Juniper is the best out there right now. >>...
  34. K

    Credit Card Hot Deals

    << again, the best cash rebate card, is still the Juniper Cash Rebate Mastercard which you can use at lots more places. and they give you real 2% cash back. >> Juniper is not a 2% cashback, real or otherwise. It is "up to" 2%.
  35. K

    2.9¢/min long distance - OneSuite.com - good for in-state, too!

    << I made many international calls. One problem is that after about 15 minutes of call, the other side won't hear my voice. I could hear them, but they don't hear me at all. I had to hang up and called again. very annoying. I found that other people have the same problem. But it happened to me...
  36. K

    HOT FROM DELL: 5 CENT SCREW!!!

    << ... I am sure dell did not mean to screw any of you over. ... >> And you know this how? Are you saying the two posters with their horror stories are lying? I tend to believe them.
  37. K

    Nothing but Wall-paper

    Sorry I was not clear on that. I had upgraded to 98 several months earlier with no problem. The problem happened while I was using Juno's Internet program.
  38. K

    Nothing but the Wall-paper

    Here is my problem running Windows 95/98: After I turn on the computer and after Windows is loaded, I get the message that "Explorer has perfrmed an illegal operation". If I close that window, all I am left with is the background wall-paper; no icons, no clock, not even the task bar or the...
  39. K

    Nothing but Wall-paper

    Here is my problem running Windows 95/98: After I turn on the computer and after Windows is loaded, I get the message that "Explorer has perfrmed an illegal operation". If I close that window, all I am left with is the background wall-paper; no icons, no clock, not even the task bar or the...
  40. K

    Screwed by Explorer

    When I boot up my computer, before Windows is loaded I get a message that says "error in Explorere.exe" and it tells me that I must reinstall Windows. Is there any way I can avoid reinstalling Windows? It is my understanding that after reinstalling Windows I must reinstall all hardware and...
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