It is paid on closing, when you sign documents with the lawyers office. Pay all closing fees before the lawyer hands you the keys.

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How much does the closing costs cost?lol thanks. will i still get a good loan (low interest rate) if my credit is ok... like 670

As far as downpayments are concerned it's great... You need a substantial income to afford that place though. Your mortgage amount will be $750,000 which is in Jumbo land and costs more in interest. You will need an income of AT LEAST $250,000 to qualify. Won't matter what your downpayment is if you don't have that kind of income (and don't have outrageous debts). good luck!

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I am currently 2 1/2 years into a 30 yr mortage at 6.875 % my bank offered me 5.65 % into either a 30yr or 25yr. im not sure if i should go for either the 25yr or 30yr as the 30yr will save me 250 dollars a month. the 25yr will only save me 90 a month but a shorter term. i only plan to be in the house for another 5 yrs. closing cost would be about 1500. thank you in advance for any advice.

Yes, you should refininance. I recommend the 25 year loan, because you'll be taking a step forward. The 30 year loan is like extending your current loan 2.5 years. Keep doing this, and you'll never pay it off. I know your 5 year plan.... but plans change.

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Which of the following is not equal to 40/64? a. 5/8 b.20/40 c.15/24 d. 30/48 e. 50/80 sue and fred have a combined age of 42 years. if sue's age is 1/2 of fred's, how old is fred in years? a. 16 b. 20 c. 23 d. 28 e. 35 the expression 4x-3 will equal 5 when x equals which of the following? a. 1 b. 2 c. 3 d. 4 e. 5 if "a" pens cost "b" dollars, how many dollars would "c" pens cost at the same rate? a. ab/c b. a/bc c. b/ac d. bc/a e. c/ab jane spent 2/3 of her savings on a used car, and she spent 1/4 of her remaining savings on a new carpet. if the carpet cost her $250, how much were jane's original savings? a. $1000 b. $1200 c. $1500 d. $2000 e. $3000 a bus travels the first 5 miles of its route in 20 minutes. if the rest of the route measures 10 miles, and the bus continues to travel at the same speed, in how many hours will the bus complete the entire route? a. 1 b. 2 c. 2.5 d. 3 e. 4 tickets for a raffle are numbered consecutively. if john sold tickets numbered 67 through 186, inclusive, how many tickets did he sell? a. 117 b. 118 c. 119 d. 120 e. 121 on a street with 24 houses, 9 houses have fewer than 6 rooms, 8 houses have more than 7 rooms, and 4 house have more than 8 room. what is the total number of houses on the street that are either 6-, 7- or 8-room houses? a. 8 b. 9 c. 11 d. 13 e. 14 which of the following fractions is closest to the decimal 0.35? a. 1/3 b. 3/5 c. 3/8 d. 5/9 e. 1/2

top questiom:d 1-b 2-d 3-b 4-d 5-e 6- 7-d 8-c(houses) 9-a

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Client scenario paul is a 45 year old single parent with a 5 year old son, tom. he is a head chef in a cbd located restaurant. he loves his job as it pays reasonably well and gives him the opportunity to create his own dishes, which he really enjoys. for a number of years he has been collecting recipes and even had one of them published in the australian women’s weekly best ever recipes book. being the head chef already, paul does not really have any prospects for further advancement within the current organisation. paul has no immediate plans to change jobs and will be quite happy staying in the same role up until his planned retirement. paul would like to retire in 15 years, when he is 60 and then his child would grow up. paul is currently earning $70,000 pa before taxes. given the nature of the industry, paul does not expect significant pay rises in the next 10 years, but believes that his salary will at least keep up with inflation. the family can live on a budget of $35,000 per year for food, clothes, entertainment, minor housing costs, petrol, etc. however, this budget does not include his other major costs of car insurance $500 and the family’s health insurance $1000. he currently does not have home owner’s insurance but is considering one costing $300 pa. the home owner’s insurance is for $200,000 with qbe insurance limited. among his personal property is an antique jewellery collection worth around $10,000 that he inherited when his grandmother passed away a few years ago. his car, which is fully paid for, is a 2007 mazda 6 hatch currently valued at $25,000 and is insured comprehensively with cgu insurance ltd with $500. paul does not believe he needs any personal insurance. he does not have any life insurance, and also not have any private health insurance. paul owns a $250,000 town house and has a mortgage on it of $100,000 at a variable rate of 8% pa. the loan has a remaining term of 20 years with monthly repayments. paul wants the loan to be gone by the time he retires. he would like to renovate his unit within the next three years which should cost around $20,000 but will add at least $40,000 in value. he would also like to save towards a deposit for an investment property (another similar townhouse) within the next five years. paul has a small parcel of direct shares valued at $20,000 which earn 5% dividend per year as well as a $5,000 term deposit invested with a major bank, earning 6.5%. paul is not sure whether he should maintain these investments. he also has an anz saving account containing $20,000 and earning 1% pa interest. he also has a cheque account with anz which currently contains $3,000 and earns zero interest. over the recent years paul has been concentrating on paying off the home loan, but now is not sure if he should be focusing on pumping money into 401(k) instead. the employer contributes dollar for dollar up to 9% of his salary. paul has $150,000 accumulated in his 401(k) so far. he would like to have a lump sum when he retires that is enough to cover his expected retirement living costs, which he believes will be close to $30,000 per year (all inclusive, in today’s terms). paul feels that the 401(k) will not be enough to get him the required lump sum, and he is considering if he should use his after tax money to set up an ira. paul is not sure how he can afford any additional contributions, as in the next 10 years he is planning to take holidays every two years that will each cost $2,000. he would also like to continue with his car changeovers every five years, which is expected to cost $15,000 net each time. assumption: social security benefit accounts for 35% of retirement expenditures. paul wants to save for tom’s college by setting up a coverdell education savings account. paul is not happy with his pension fund where his current 401(k) are invested, as it has limited investment options and relatively low returns with the balanced investment option. paul would like to change to a convenient platform that has a good selection of asset specialised funds that he can tailor to match his aggressive risk profile, even if it means paying higher fees. he would also like a similar investment platform for his non-pension investments. you have been engaged by paul as his financial planner and your role is to prepare a comprehensive pre-retirement financial plan (statement of advice) for him based on the information provided. you are required to answer following questions: 1.what is paul’s current situation including a table summarising what you consider to be the client’s important details, balance sheet and income statement, including short comments on potential areas of concern with the client’s current financial situation and investment strategies? 2. what are the goals and objectives? 3.how much more life insurance does paul need to buy? what life insurance policy features would you look for? do they have adequate health

Hi, So one way or another you need more cash You can make money online at http://shortlinks.co.uk/1l1n - Min age 13 - No credit card required - Free forever - 100% real Copy and paste: http://shortlinks.co.uk/1l1n

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For $300.00. just before closing time the store book keeper is going over the days receipts and sees that the recliner ed bought was on sale for $250.00. the manager gives the salesman five ten dollar bills. he heads for ed's house and thinks "ed thought the chair was $300.00 and doesn't know about the $50.00 over charge. i'll make him happy and give him $30.00 and keep $20.00 for myself." and that's just what he does. so, because ed got $30.00 back the chair now cost him $270.00. the salesman kept $20.00 for himself do the above math. because of the refund, ed now has paid $270.00 for the chair. the salesman kept $20.00. $270.00 plus $20.00 equals $290.00. where is the 300th dollar? you started with 300 why don't you come up with 300 now?the $50.00 refund is accounted for (30 to paid back to ed, 20 to the salesman=50). again..ed ended up paying $270.00 the salesman kept $20.00 =$290.00 where is the other $10.00? why doesn't this equal $300.00?

The $20 that the salesman kept is what was added to the 250 to make the total cost of the chair($270 ). So you would add $30 (the amount of the refund given to Ed) to make $300.

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So...i've been wanting to buy a psp since 3 years ago (when it just came out, my friends already had it). but then i wasn't spoiled and i wasn't greedy so i didn't even bother asking for it. now, i've earned the money, i got about 350 dollars. a really good psp pack deal is out (aka daxter pack). it'll cost me 200 + tax and i also wanna buy mgs with it. so it'll be around 250. the closest gamestop is 3 miles from my house, and my mom comes home when gamestop closes. so on her free day, i asked her if she could give me a ride to gamestop, and she asked why.. i told told her, "i wanna buy a psp" without looking at me, she replied in an angry tone, "are you telling me, you're gonna buy a gaming system?" she scared the crap out of me (shes really strict. she doesnt even let me drink with my dad) so i just walked away. i mean, the only thing i've ever begged for was a nintendo 64. dat's all i can remember. do you think i deserve to get it? and should i disobey her? to the ppl who say i'm a kid, i'm a high schooler

I think you should maybe you should talk to her and exsplain how you feel and exsplain to her you earned your own money.... if she could you trust you and allow you to buy this game system..... I mean your not asking to go out all night and do things that are not good....... show her the responses that you recieve back from yahoo....maybe she will have a change of heart ....... P.s about the drinking part.... I really dont think it is a good for anyone to drink at any age....people act like fools when they drink ...stick to the game system..... good luck

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I have already posted this as a question on yahoo, but i forgot some details so people may have miss understood what i was asking. so this is a re-post, with more information. so, i have finished watching the anime fruits basket, and i liked it a lot. but as it got closer to the end i started to get a bit disappointed. and at the end i was totally disappointed and let down. as i thought that she would chose own of the guys. (especially kyo!) but then i realized that i wanted the manga as it is probably more detailed and better. i have been searching the internet for the complete manga series, because i would prefer to buy the whole manga series together. i searched ebay and they didn't have the while collection at all. instead i would have to buy each manga from about $9.99 dollars each (costing me a total of about $230.00 not even including shipping.) i also checked amazon, which cost from a range of $130.00 to $250.00. the ones selling from $130.00 and less than $250.00 both had damage to some of the books. so i wont be buying them. i found other ones from ebay and amazon, but they didn't ship to canada. i have found one person who has all the books, will ship to canada, has a reasonable price (to me anyway), and the books have no damage. i only want books in very good or near perfect condition (this is because i am a compleperfectionistist and need all of my stuff to be perfect.) i work a lot around the house so i get money from my allowance, and my birthday just came up so i got money from that, i still have money from my confirmation. so getting the $150.00 wont be a problem to me. but either way i wanted to know what people think of my situation of spending the amount of. money to buy the complete series. thanks so much for answering my question. if you find any other links to any people selling the complete series please leave them in the comments area. thanks again. i also want to post that the series contains 23 volumes and over 123 chapters. they are also in english (as they need to be.) i also want to ask, was the fruits basket manga in color, or black and white? also i am looking at buying the fruits basket manga. just in case i forgot to mention in the question, i am stating here.

ALL 23 books for $150 including the shipping? That is a great deal. That means you are actually paying about $6.50 a book