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Old 01-29-2009, 06:58 PM   #21
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You guys are total pussies. A little ice on the car? Bah!
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Old 01-29-2009, 07:52 PM   #22
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Federal Housing Tax Credit for First-Time Home Buyers: Home

if you bought basically between april 9, 2008 and July 1, 2009 and make under 75k (or 150k married/jointly) then you get the full dilly of $7500 repayable interest free over 15 years.
Wow, that IS interesting. The only problem is that the recession that is kicking everyone's collective asses around the country hasn't hit here yet due to the strong oil field. So home prices are still batshit crazy high here. The bottom should be falling out about 3 months after the deadline for that credit though.
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Old 01-29-2009, 09:22 PM   #23
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Meh. It took me almost 4 hours to shovel the driveway and clean off the car so I could drive to Wally world to get more cold medicine.





The driveway isn't that long, but due to the weather this week, it was 5-6" of snow-ice-snow-ice-snow. Good times...
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Old 01-29-2009, 09:56 PM   #24
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LOL for me to get anything even remotely close to ice on my car I'd have to drive at least 2 hours north
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Old 01-29-2009, 09:57 PM   #25
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I don't drive the Miata when the roads are salty, so it's been stuck in the garage for a while. But it did take me about 15 minutes to remove the ice cocoon from my beater Saturn yesterday morning.

I love those folks who only scrape off their windshield, then head straight for 60+ mph on the beltway, where they proceed to molt the rest of their cocoon into traffic. One truck launched a pretty impressive sheet about 15 feet above his roof.

Bought our house back in July but unfortunately don't qualify for the tax credit as we're not first-time owners. But I can take some solace in the low interest rates we've got now. Signing the papers on our refi tomorrow afternoon.
did you get in under 5%? btw, if you haven't owned a home for the 3 years prior to this one, you qualify.

oh and sorry for the ice chunks on the freeway. I did lift the piece off the hood in several 2' squares. the rest I just broke up and left on the car. oh well.
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Old 01-29-2009, 10:04 PM   #26
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My car has never seen weather below 50 and has been garage kept since I bought it.

Been in NY for a month+, and its been under snow ice 4-5times. Depressing sight...I cna hear her saying.."hey, what about meeeeeee?"
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Old 01-29-2009, 11:33 PM   #27
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This is about as bad as it gets in Texas. Took the GF to a parking lot for some fun...
That's as bad as it gets in DFW. We get real snow up here.
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Old 01-30-2009, 12:44 AM   #28
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Umm...I was wishing I had AC still today...
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Old 01-30-2009, 01:03 AM   #29
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Where the real ice at?





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Old 01-30-2009, 01:15 AM   #30
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is that a chick? nudes please...if she's 18-of course.

I've driven my green car in the rain once, lol. Its a garage queen. I prayed for snow when the subaru ran.
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Old 01-30-2009, 01:46 AM   #31
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Last winter my miata was so covered in ice that I couldn't get into it to start it and the ice scraper barely chipped the ice. That was fun. Screw all you guys that get to drive around with the top down year round. I am so ditching Wisconsin when I can afford to move.
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Old 01-30-2009, 03:27 AM   #32
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jsisco- Ya, I guess I should have been more specific. The panhandle is for tough guys, unlike me, who drive trucks.

Hustler- I got the nudes but at 17 years of age, I don't think it's quite legal. If you ever come pick me up for a date like you promised then I'll show you the nudieeeess then. But only after you carress me with your Hercules like body

/fannybandit.wmv
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Old 01-30-2009, 12:07 PM   #33
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My car has never seen weather below 50 and has been garage kept since I bought it.

Been in NY for a month+, and its been under snow ice 4-5times. Depressing sight...I cna hear her saying.."hey, what about meeeeeee?"
It doesnt get any better. Had to clean a foot of snow of the Gfs car a few days ago after only being parked there for a few hours. Cant wait to move away from NY. Snow sucks and blows.
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Old 01-30-2009, 01:14 PM   #34
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did you get in under 5%? btw, if you haven't owned a home for the 3 years prior to this one, you qualify.
We sold the place we owned in Houston 1.5 years ago so that disqualifies us.

We got 5.0% (no points) and I had to really weigh the pros/cons of taking that rate right now. I (and the mortgage broker) do believe rates will continue to slowly drop for a while yet. Problem is you can't roll the closing costs into your refi (making a refi nearly pointless) if the appraised value of your house drops such that the underwriters won't approve the new loan. There are a few houses for sale in my neighborhood, but nothing has sold in the past couple of months. We were kind of our own "comp" for appraisal purposes, and had to show receipts for the improvements we've made to convince the underwriters that the house is still worth what we paid 6 months ago. If I waited for rates to keep dropping, while nothing is selling, I would risk the appraised value dropping and nixing the whole deal. We bought at 6.375 and 5.0 will save us a few hundred a month. I couldn't look that gift horse in the mouth any longer. These are historical lows we're seeing.

If you want to see something scary, look at this table and scroll down to the late 70s and early 80s when we had a bad case of inflation. How anybody managed to buy or sell a house for more than $20K back then is beyond me.

On topic: the ice is no longer afflicting my vehicles, and they say it will be warm on Sunday. If it hits 50 the top's coming down, if only to the grocery store and back.

First time the dog ran out to the frozen back yard and lifted his leg to pee, he slipped and fell right on his *** and slid downhill a bit. But his balance has improved a bit over the past couple days.
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Old 01-30-2009, 02:19 PM   #35
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damn, I wonder who paid 18% for a house! I'll happily keep my 5.75 for a long time.

incidentally, not to make this political but if the stimulus package passes, that $7500 "loan" may become a straight up tax credit not requiring repayment.

on topic: i only have ice on my cowl. the rest is melted.
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Old 01-30-2009, 08:41 PM   #36
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Pansies. This is ice.

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Old 01-30-2009, 10:16 PM   #37
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******* hell! That's crazy. Cool picture too, is that your car?
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Old 01-30-2009, 10:24 PM   #38
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<hijack>

Provided my current job situation straightens out (contract is about to change), I'm going to refi from a 30-yr to 15-yr. On my calculations, payments will increase < $100/mo while shaving thousands off final interest...

</hijack>
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Old 01-31-2009, 08:39 AM   #39
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Originally Posted by l_bader View Post
<hijack>

Provided my current job situation straightens out (contract is about to change), I'm going to refi from a 30-yr to 15-yr. On my calculations, payments will increase < $100/mo while shaving thousands off final interest...

</hijack>
Did you switch to Geico?
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Old 01-31-2009, 09:14 AM   #40
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incidentally, not to make this political but if the stimulus package passes, that $7500 "loan" may become a straight up tax credit not requiring repayment.
Thanks, now I've even more mad that we closed end of Jan. 2008.
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