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Originally Posted by kutulu
And the additional costs are rolled into the mortgage over 30 years. By doing so, it is a net gain for the homeowner.
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I love math.
$3800 amortized over 30 years at 6.5%, means the person would pay over $5,000 including the interest. If they save $25 per month in their utility costs, the payoff goes up from 12 years to about 16.6933 years. I read somewhere that the average person lives in a home for about 7 years.
Here is a link to an on-line amortization schedule calculator:
Amortization Schedule Calculator
---------- Post added at 11:45 PM ---------- Previous post was at 11:38 PM ----------
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Originally Posted by Rekna
I was listening to the radio the other day and I heard that the Republican party is going to start enslaving people. Do you think it is fair that the Republican party is going to do this?
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There is no opportunity to do so, the Democrats already got it covered. They already have the plans to manage your life from birth to death. You do get the option of marrying a same sex partner, as long as you can prove you gave equal consideration to those with the government designation of being visually and/or personality challenged.
---------- Post added at 12:05 AM ---------- Previous post was Yesterday at 11:45 PM ----------
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Originally Posted by shakran
Earlier you complained that we can't trust the democrats "(most of whom have not read the bill)" to be honest about whether or not the bill will harm us economically. Yet you have not read the bill, so how can we trust you to be honest about it either?
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I am a cynic. I am always against something until convinced otherwise.
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You have not read the bill, and therefore you do not know that. You only know what some talking heads, most of whom I would wager have also not read the bill, are telling you to believe about the bill.
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True.
Will the first person who actually reads the bill, please stand-up? Let us know who you are, you deserve special recognition.
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So far the entirety of your arguments in this thread have amounted to stuff you say you think you heard someone on one of 4 cable news talk show networks say, or stuff that you admit to having made up. How are we to take your side seriously if you cannot bring one actual, hard fact to the table?
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Let's not overlook the obvious. This bill will have consequences, there will be winners and losers. An honest discussion begins with an assessment of that fact. If you don't like my analysis, do yours - and let's compare. Are you suggesting low/middle income people will come out ahead?
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And then as you said earlier, you would not believe them because "they haven't read the bill."
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Call your Congress person and ask them if they read the bill before voting on it. I admit to not reading the bill, have you read it? If not what is your real point?
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I find it interesting that you can predict the outcome of a piece of legislation which you have not read and about which you have no first hand knowledge. The only other people I know of who make such claims have coins hanging off their shawls and stare into crystal balls all day.
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What-if's is what I do. I speculated, was honest about it, gave my justifications, and showed my conclusions. If you disagree, o.k., but let's be fair. You have come to a conclusion and have you read the bill either, correct?
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We are being honest. We just aren't giving you the answer you want to hear - an answer based on your preconceived notions about a subject to which you have admitted knowing nothing factual about.
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What do I want to hear? I pretty much do not support the bill, the concept, the stated need for the bill, the way it is being "sold" and there is virtually no possibility that I ever will. The Senate voting "no", would be nice to hear.
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I won't put it in such crass terms, but you are making impassioned arguments about a topic that you admit you not only don't know about, but have no intention of finding out about. What would you call it?
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I said I was not going to read the bill, not that I was not going to become informed on its contents. There are many things put in writing, that I have not read but that I have an opinion about. Sometimes I just wait for the movie to come out.