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  1. Denward

    U.S. Banks expand to serve Muslim community

    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...
  2. Denward

    Geoexchange system

    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/
  3. Denward

    Geoexchange system

    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...
  4. Denward

    What's the best pay-as-you-go cell plan?

    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...
  5. Denward

    Rate of return

    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...
  6. Denward

    Help this dummy understand carpeting.

    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.
  7. Denward

    Amerisave Home Equity- any experience?

    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...
  8. Denward

    Player hits a 90 footer to win basketball game in overtime

    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...
  9. Denward

    Self Service Soda Fountain = Free Refills?

    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...
  10. Denward

    Travel recommendations?

    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.
  11. Denward

    Do you tip a cleaning lady??

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

    Salt on new driveway?

    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.
  13. Denward

    Help! trying to decide about IPod...

    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...
  14. Denward

    Arrgh...stuck phone button!

    Mike is correct.
  15. Denward

    Arrgh...stuck phone button!

    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...
  16. Denward

    Bourbon recommendations

    For an excellent, but expensive bourbon, find some Pappy Van Winkle. Buy the most aged bottle you can afford. For normal, everyday sipping (not that I sip everyday, hic!), I like Woodford Reserve. I think that the starting bite you're getting from Knob Creek is due to the high alcohol...
  17. Denward

    Mortgage Structure Question

    FYI, here's historical LIBOR info: http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=141&a=627 You should know which LIBOR they're talking about. I'd bet they're talking about USD LIBOR, but there's 1 week, 2 week, 1 month, 2 months, ..., 12 months. As far as this being a "standard" index, I'd...
  18. Denward

    Naked news in Cleveland, WOIO

    I Googled "woio naked video". Once you get past the official WOIO.com site, there's a link which will seems to have the video. I'm at work so I haven't viewed the details at the site.
  19. Denward

    Dog walking question.

    If you're walking your dog past my house, I don't care if your dog pees on my property as long as you don't let the dog pee in same spot repeatedly. That will kill grass, plants, etc. I live near a park so a lot of people walk their dogs down my street and into the park.
  20. Denward

    Oprah & Pontiac Give Away $8 Million Worth Of New Cars

    [SIZE=3] Well, it is an infinite loop but it converges into an easily solved equation. If your tax rate is 30% and I want to give you 28,000 after taxes, then I just give you 28,000/.7 = 40,000. You report 40k as income, pay 12k in taxes, and you're left with 28k free and clear.
  21. Denward

    Where to buy Ipod cases for 4th Gen Ipods?

    Check out www.ipodlounge.com the HTF of ipods.
  22. Denward

    Plastic decking... how is it holding up?

    There are many brands of "engineered" decking and they're all quite different. What is said about one clearly will not apply to another. We had our deck built from Trex (www.trex.com) about 8 years ago. Simplistically, I believe Trex is made from sawdust, recycled milk cartons, and glue. It's...
  23. Denward

    Windshield repair?

    When I had mine repaired, my insurance agent said that as long as it wasn't in an area deemed to be in the driver's direct sight line, then a repair is legal. Don't expect the repair to make it invisible. The filling is intended to stabilize the defect and prevent cracks from radiating out from...
  24. Denward

    Nugget ice machines for home use?

    We're planning our kitchen remodel and were considering an ice machine. I was not thinking about the "rabbit pellets" but just one of those machines that look like a half width dishwasher. My thinking was that if a fridge ice maker costs about $100, then one of these "mini freezers" should only...
  25. Denward

    Virgin Mobile Pay As You Go - Thoughts?

    It's funny that you mention tmobile and virgin because those are exactly the companies I have. I have the tmobile $20 plan because I'm a very light user and I want to use a Treo (combines pda and phone into one device). In some months I do go over my 60 minute limit, but it's still cheaper in...
  26. Denward

    Annoying shoulder problem.

    I had shoulder problems about 10 years ago. I went to an orthopaedic surgeon. He pushed my arm around and determined that I had classic weekend warrior symptoms. I was playing a lot of overhand sports at the time (tennis and volleyball) so the diagnosis was that my shoulder had gotten a little...
  27. Denward

    How does TV advertising work?

    Like I said above, the local station has to satisfy its FCC community service obligation. I think a local news program is the cheapest way to do that.
  28. Denward

    How does TV advertising work?

    I don't have any insider knowledge but I think Yee-Ming is essentially correct. A TV station is a local entity and they're under no obligation to affiliate with a national network. That being said, the major national networks have a local affiliate in any city of reasonable size. Sometimes...
  29. Denward

    A Few Clicks To Help My Friend Win a $6000 BBQ Grill

    Bad news, folks, the chicken recipe won the competition. Thanks for all your help. She'll have to be happy with the $500 of Omaha Steaks and the trip to NYC that she already won for being one of the finalists.
  30. Denward

    A Few Clicks To Help My Friend Win a $6000 BBQ Grill

    Thanks for the great response.:emoji_thumbsup: The winner should be announced on the show today. I'll let you know how it turns out.
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