Recent content by Denward

I think you're making a HUGE assumption about the 10% for the entire loan. The bank says it's roughly equivalent to a 30 year mortgage so I don't think anyone's getting a deal here. I think payments are going to be calculated to be the about the same. I'm sure the banks don't want to be seen as...

I just realized I forgot to post the energy calculator I mentioned above. The costs here would be based on Louisville,KY weather and gas and electric prices but it could give you an idea of how much a geoexchange system could save you: http://lge.apogee.net/rescalc/

We're doing a major addition/renovation to our house and I'm going to be investigating this. I'll let you know what I find out. When I googled geoexchange, it was hard to identify unbiased information. However, I went to my local utility website and they have an interesting calculator which...

Checkout www.virginmobileusa.com They don't have their own wireless network. They lease Sprint's network so the coverage should be exactly the same. It's been a little while since I've used them. When I started, you had to put in at least $20 every 90 days. Charges were 25c/min for the...

With mutual funds, you buy shares. The annualized percentage change in the share price between any 2 dates is what they quote as the fund's return. It would be the same return you would calculate if you didn't have money going in and out. In your example, let's say the share price is $10 on...

Padding makes a huge difference in how nice the carpet feels under your feet. They should have samples of other padding that you can buy. It's up to you to decide if it's worth the extra money.

I refinanced through Amerisave about 2 years ago. IIRC, the application process was very good. Everything was done via email and it went very smoothly. They sent someone to my home to fill out and sign closing documents, unlike other refis I've done where I've had to go to an attorney's office...

Sportscenter showed that shot over and over again in their Top Ten. It was #9,#7,#5,#3, and #1. Sportscenter had one a few weeks ago that I thought was much cooler. Similar game situation but the trailing team was taking it out of bounds 94 feet away. The guy inbounding the ball was being...

My wife and I have a small disagreement over this. When you go to a fast food place and you have to fill your own drinks, does this imply free refills? Some places remove the ambiguity by placing signs either allowing or forbidding free refills, but I'm talking about places without signs. My...

Disney cruises are pretty expensive relative to other cruise lines. If entertaining him is your primary focus, I would think that Disney World would be easier and cheaper. I took my daughter to WDW when she was 9 months old and she loved it. Make sure you get good seats for any parades.

I have a woman who comes every week. I give her about 1 week's pay as a Christmas bonus every year.

Most salts have instructions on the bag about when it's safe to use on new surfaces. As has already been implied, the rules are different for different types of salt.

I bought a mini for my wife and I'm about to get one for myself. I like the small size. The 4 GB is not much of an issue for me. iTunes and iPod allows you to rate your songs on a 1 to 5 star scale. It also knows the last time a song was played and when a song was uploaded. Combining these...

Mike is correct.

One of my old Uniden phones had electrical conductor material on the bottom of the buttons and when the material wore out, the buttons had trouble registering. If your phone seems to work this way, you can go to an auto parts store and buy stuff used to fix rear window defoggers. It comes in a...