I doesn`t matter if you break 3 years later or 6 month before the term ends. You will pay the same mortgage penalty, 3 month mortgage interest or Interest Rate Deferential penalty.

A little clarification to mortgagepro`s comment. It is true that you will pay a penalty regardless of the months remaining but the penalty could be drastically different between a 3 year and 3 month remaining term. There are 2 calculations that the banks use for penalties. 3 months interest calculation and Interest Rate Differential IRD. If the conditions are right 3 months penalty for 3yr or 3month term should be close. If the conditions are such that an IRD will be used to calculate your penalty then you are looking at a huge difference in penalty. Talk to your bank and they will calculate the costs involved for you. My suggestion is to consider a port of your mortgage. A port is where you move the mortgage term rate and balance to the new property with no penalties. You can straight port it (no change in any mortgage particulars). You can port increase where you need more money (term remains the same, higher mortgage amount and the rate is blended with todays rate). Or do a port reduction (same term, same rate, smaller mortgage amount required for new house, some penalty may apply but much less than a complete break). One last thing I should mention. Once you bank gives you your options please contact a Mortgage Agent to do some further calculations for you. Many people have benefited from switching to a new bank for their new home. This is especially true today where rates are much lower than any mortgage started over 2 years ago. In the end what you end up doing with your mortgage must depend on how much money you will save going forward. That should be your #1 priority, mortgages are very expensive over time, you have to find ways to minimize your costs. I would be happy to consult with you if you have any questions. Abraham Niyazi - Mortgage Agent - Lic#M08010640 - Centum One FInancial Corp - Lic 10758. Cell: 416-993-4082 Toll Free: 1-866-728-3708 http://www.centum.ca/abraham_niyazi/ I deal with 25 Banks/Lenders and can do mortgages across Canada except Quebec.

Hello, I did a calculation based on your details above. The difference in monthly payment is $62 per month based on 5 year term that is a savings of $3720... But the savings does not stop there. The remaining mortgage balance at the end of the 5 year term is different for both rates, the difference is an additional savings of $1610. So a total savings of $5330! As for the penalty to break with your bank they are the best source of info for this. Give your branch a call and ask them what is the penalty if I pay off my mortgage completely in 30 days from today. That number should be less than the savings you see above. For other readers if your interest rate is higher than the 3.6% you see in this question then the savings is higher as well. I switched a mortgage for a client who had a higher mortgage balance and was at 5.7% interest rate (the rate at the time 3 years ago) He was quoted a penalty of $13,000 to break from his bank, after doing the calculations he did break and pay the penalty because he saved $33,000 over the next 2 years in interest. He almost tripled his initial penalty. There is no investment product that can return this kind of money into your pocket short of loan sharking!! The proof is in the numbers so I encourage anybody who is interested in at least looking into this please give me a call I can do the analysis and send you info for you to decide for yourself. It is not common knowledge so I must mention that at the end of the 25-30-35 year amortization of your mortgage you will end up paying double the amount or your original mortgage balance back to the bank in interest. I can help you find ways to minimize that, give me a call today. Abraham Niyazi - Mortgage Agent - Lic#M08010640 - Centum One FInancial Corp - Lic 10758. Cell: 416-993-4082 Toll Free: 1-866-728-3708 x 115 http://www.centum.ca/abraham_niyazi/ I deal with 25 Banks/Lenders and can do mortgages across Canada except Quebec.

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What the storey is briefly is: my mate has had a house and been paying mortgage on it for around 20 yrs now and, he has recently met and had a young lady move in with him. my friend is very smitten and he is now going to sell his house and go in on a new one with her as she doesn't like living where he lived with another woman (my friend was married before). he is putting down most all of the cash but they will both be on the mortgage. look, i hope it works out, but if not..do any of you know where he stands financially if they split? if they marry and have a child will that make any difference to who gets what? you probably think i'm sticking my nose in - but i just want to tell my mate whats what as i've known him years and at the moment he's all starry-eyed and love struck and not thinking straight. soz rinzy..can't add the full details - promise you, there's gold diggin form there....and no, it's not me lol pc..is that only if they are officially married? or co-habiting too?

So the answer is that if they buy a house together, the money from the sale of the old house will become co-mingled with whatever she puts in and it will be deemed to be jointly owned (marital) property. However, if they live in his existing house, it will remain his separate property except that some percentage will belong to her if marital income is used to pay the mortgage . He can protect himself by putting the new house in his sole name and using only his separate property to make the downpayment but he would still have a problem if they married and the mortgage payments were made out of marital income. Alternatively, he can ask her to sign a prenup that recognises something like a graduated ownership depending on the years of marriage. Edit: Sorry slaphead, my first paragraph wasn't very clear. If they are not married, she only has a claim to a portion of the house if she has her name on the deed, otherwise she will have no claim. Of course, if she is contributing to the purchase price she is not going to be foolish enough to allow him to do that. If they are not married, and the house is in his sole name, then it will be his mortgage and he will be the one paying the monthly charge. Under this scenario, her contributions will be regarded as rent and she will have no claim no matter how long they share it.

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High taxes, impossible mortgages, immigration, rising fuel and food prices, an incompetent government, lack of housing, whinging civil servants striking every other week, teenage thugs, cesspit hospitals and the straw to break the camels back the weather.

No, we're British, we don't do uprising, we have a polite little moan about it and get back to work. Uprising, demonstrations and suchlike just aren't "British". . . I think we could actually learn a lot from the French. they make their Government work for them, we just put up with whatever shite gets thrown our way because, well, "you can't complain can you" . . . .

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I have a co-worker who is addicted to wow and has gone so far as to download it to the company's computers and is visiting sites to find hints/cheats. trouble is - this behaviour has resulted in his also infecting the computers with viruses and other malware - so much so we're unable to complete a work session without some website 'pop-up' in internet explorer (or other browser) appearing on-screen. (many of these pop-up websites are in the realm of porno) we work as 'temps' for a major company and their policy is 'absolutely no downloading'. he's been told to stop before (repeatedly) by myself and other co-workers and firing may not work due to the embarrasment and poor press this would likely cause the client company. besides, the last time action was attempted he altered some codes (in retribution) and none of us were able to gain access to the computers to perform our work and i fear he may strike back with even more serious consequences next time someone attempts to stop him. he has all the classic signs of addiction. his father left home leaving he and his mother to pay the mortgage and bills and she is only working at the leasure of the state in a grant-funded job - so they can't afford to lose his paycheck and i don't want to be the one to cause their homelessness. his mom has talked to him before about this but i think she's too depressed over her situation to the point she simply ignores the seriousness of his addiction. even worse - our company could stand to lose the contract if the client company finds this guy has violated their rules and compromised not only our and the client's operations - but the client company's image to its customers. btw: he and his mom regularly attend religious services so i was thinking of contacting the person in-charge of their place of worship - but if this should get out all hell will break loose. is there any free counseling service for computer game addicts? we live in nys.

You notice he has a problem, but does he notice it? Just like any other addiction, the user must want to get better or there's nothing you can do.

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My boyfriend and i have ben dating for a year and a half and i have seen him slowly progress into this black hole. everything he touches is poisoned, he has a negative attitude about everything, he calls everyone including myself and his 8 year old daughter stupid if we do things he doesn't like. i am in school right now, and he constantly throws it in my face that i'm not working...but i'm going to school full time and have a 3 year old. he calls me a loser, he has told me that i bring nothing good to his life, he hates my family, he hates kids, he never wants to have another kid, he thinks that all women with big boobs are hot ( i don't have), when i graduate he wants me to get breast implants, he expects me to clean up after him all the time, if i don't want to have sex with him he acts like a baby and can't take no for an answer, he doesn't say i love you unless i do, he has only given me one card since we started dating, we have no pictures together, my family hates him, my friends are put off by him, i am getting osap to go to school and he keeps asking me when it's coming in so i can give him some money. he moved into my apartment with me after 6 months of dating, never paid rent, never paid for groceries, hydro or utilities and i paid his cell phone so he could pay his debt down so he could get into his house ( which yes we all live in now) but he hardly paid his debt down at all! he makes $4000 a month and can't pay his bills...i was making $1100 and was paying all them...now when i can't afford to give him extra money for the mortgage right now ( because his cell phone bill put me in debt) he gets upset and calls me a loser. i gave him $10000 to help him get into this house, he put $2000, my name is not on the title, he has gone from owing $20000 to owing almost $60000 and he might be going on strike in feb. he never wants to be affectionate, he wants to act like a dick all day and then when bedtime comes he wants to have sex, no kissing, no foreplay, and afterwards we rolls away from me and just goes to sleep...everytime!!! he has been with a ton of women, and is still proud of it, and tells me about it ( he's 29 it's time to move on) all three of his serious relationships in the past were never closed properly, his exes still email and call him, he has his ex girlfriends phone numbers in his cell phone, he told me what ex girlfriend he would go back to if he had a choice. i used to get up with him at 4am to put his lunch together and say goodbye when he left for work, and he would still bitch about what i made. when i cook, he complains, nothing is ever good enough. he is obsessed with material possessions he thinks that just because something is expensive its good he does whatever is trendy he picks on my 3 year old, and when i yell at him he says he's toughening him up... he has no friends he tried to make me feel bad when i want to go out with friends or family he's rude his dad is rude he works nights, so he sleeps most of the day ( which is fine) but when he wakes up he thinks i need to be there waiting on him hand and foot he thinks he is gods gift to women i think he is mentally unstable he reminds me of my ex husband but i love him of course im not perfect... i am terrible with money i don't like cleaning...but i do it of course his daughter is mean and i'm often cranky when she is around i don't communicate very well with him my family told me to break up with him and i wouldn't let him go there to yell at them...i did it myself help girls and guys?!?! are any of these issues normal? my mom tells me i'm in an abusive relationship and when i sit down and think about how he acts i ask myself if shes right.

I can tell you love him. But he doesn't love himself or anyone else. It sounds like he is carrying a lot of baggage. Your not going to change him. He has to do that himself. It's time to move on before he does emotional damaged to you and your family. The old saying, there are a lot of fish in the sea. Well it's true. There is someone out their who will love you for who you are.

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Between 5-8 senteces. washington - democrats intend to put more focus on economic issues as congress returns this week for a packed december agenda while president bush and republicans push for release of money for the war in iraq without conditions. house democrats, sensing increasing unease about the economy, plan a session friday with wall street executives and other financial experts to discuss the mortgage crisis, tightening credit and other problem areas. the senate returns today and the house returns tuesday, with democrats hoping to move quickly on an energy bill. the measure would increase fuel-economy standards for the first time in more than a decade and provide a legislative accomplishment heading into 2008. but sen. pete v. domenici, r-n.m, a leading republican voice on energy policy, took exception to the proposal, accusing democrats of striking a deal among themselves and including an objectionable provision to require utilities to use a set amount of renewable fuels. "that is no way to pass legislation and is another in a long list of reasons why congress has lost the faith and trust of the american people," said domenici, the senior republican on the energy and natural resources committee. republicans say democrats are facing a legislative logjam because they have spent too much of the year on fruitless efforts to force a change in iraq war policy. both parties want to block the alternative minimum tax to prevent an estimated 20 million taxpayers from falling under the levy that was created to make certain high-income americans pay some taxes. but the parties have disagreed about how to accomplish that. the house approved a plan that would have replaced the revenue by eliminating tax breaks for private equity funds and other financial entities, but it was blocked in the senate. the internal revenue service has warned that confusion over the repeal could delay tax refunds and complicate the filing season. congress also has to find a way to resolve a fight with the white house over 11 spending bills that finance every federal agency but the pentagon. bush has insisted he would not approve any domestic spending above his limits. democrats offered to cut the difference in half, to $11 billion, but the administration refused. congress and the white house are also in a dispute over money for the war in iraq. the house has approved $50 billion in interim financing, but it sets a goal of next december to withdraw most combat troops. that was blocked in the senate, and bush and republicans have been trying to pressure democrats to release the money without strings, saying a delay could force defense department layoffs. besides the tax and spending issue, congress has to dispose of a major farm bill, the annual pentagon policy bill, a trade deal with peru and a terrorist surveillance measure, though the present wiretapping legislation extends into february. the fate of a children's health insurance program also remains in question.

Go through it writing down the most important points of each paragraph. Then put them together. Don't be too specific about the important points, just the idea of them and maybe one example.

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1 thou shalt behead apostates, pagans and violators of blasphemy laws, it is halal for you. 2.thou shalt extort money from christians and jews, the future hell dwellers, and if they refuse, kill them. but do not hurt their women and children, it is haram for you. however thou shalt enslave them, rape them or sell them for profit, it is halal for you. 3. thou art guaranteed paradise and 72 big bosomed houris (and/or charming young boys), along with other fringes, if you cough up big bucks and take a trip to mecca. poverty stricken chaps and losers among you who cannot afford the trip, can earn the same privileges and more by participating in jihad and killing the infidels. the jihadis will get the additional bonus of sharing the booty and beautiful women from the captured infidel lands. 4. thou shalt marry a maximum of four wives at a time, except for my messenger whom i have exempted from this limit since his needs are equal to the needs of 30 horny men. however thou art allowed to change your wives at will for variety and maintenance of your harem quality by divorcing them and acquiring younger specimens. old bags lose their charm and excitement and must be replenished with a fresh supply. try to acquire younger and better looking ones preferably virgins, leave the older ones and ugliest for the losers and old fogies. 5. thou art allowed to have unlimited number of slaves and captive women and have sex with them, it is halal for you. gay guys among you will have to wait for their fun, we will provide them with charming young boys in paradise. alcohol lovers, hold your horses until you make it to the paradise, there will be rivers flowing with wine, up there. 6. for those amongst you who have pedophilic tendencies, we have made underage children halal for marriage and your carnal pleasure. however let them keep and play with their dolls while you are at it so that their attention is diverted from their pain and shock. thou art also allowed to marry your daughter in law in case you keep getting excited by her voluptuous body every time you happen to see her in skimpy clothes. 7 thou can demand sex from your women any time and anywhere, even on a camel's back. thou shalt keep a lash or a green stick handy in case they refuse and need a good beating. however while doing it on a camels back with your wife, make sure that the hijab is maintained by keeping all yours and her body parts covered with the burka during the action. in case of doing it with your slave girl on a camel’s back hijab requirement is exempted, you are allowed to enjoy the sunshine and the fresh air along with her curves. 8. thou shalt not listen to music, watch t.v. or go to the movies, these activities are haram for you. however thou shalt take your family to watch beheadings of apostates and kafirs, cutting of hands and feet of petty thieves, and stoning of adulterers, their viewing is halal for you. 9.thou shalt not indulge in haram professions like selling non halal meat, food items with lard in it, or confectionary even with 1% liquor in it or working in interest charging banks and mortgage companies etc. thou shalt only indulge in clean and halal means of earning livelihood like slave trading, looting infidel caravans and communities, killing jews and acquiring their goods and properties, extortion of jizya and kharaj from captured lands, and booty earning bloody jihads. 10. ramadan rules. thou art not allowed the pleasure of eating or drinking during the fast (except for wives who have to taste food lest their husbands beat them up for cooking foul tasting food) but thou art allowed to kiss your wives, slaves (only female) and the women your right hand posses, to wait out the rough afternoon hungry period. thou art not allowed to eat pigs but thou art allowed to pig out after breaking the fast. thou art not allowed to have conjugal relationship during the fast but art allowed to break a fast with sex instead of food. husbands are allowed to prohibit wives from fasting to keep the ladies fresh and beautiful for a romantic evening after a hard day of fasting.

Despite people slamming you for posting this question, you are correct. On the surface, Muslims are violent. The religiously uneducated follow these commandments in a literal manner. Thanks.

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As president, william mckinley: a. was an activist president b. could not get along with congress c. decreased federal power while in office d. maintained an isolated administration president cleveland broke the pullman strike on grounds that it had: a. exposed the u.s. to foreign invasion b. interfered with the collection of taxes c. raised the possibility of open class warfare d. obstructed the delivery of the mail which of the following was not a reason for farm discontent in the late nineteenth century? a.the inability to oranize and voice their discontent b.the belief that railroad rates were rising c.the inability to control market prices d. farm mortgages why was the republican-controlled congress of 1890 important? a. it was unable to assert federal authority b.its legislation shaped the future policy of the nation c. it would be overwhelmingly re-elected d. it gained the support of the democrats. thanx for the help. it is greatly appreciated.

Can't answer the first question, but definately not C the government interfered with the Pullman strike because D, it interfered with mail delivery, thus government could force the workers to work. NOT a farm discontent was A, because they did organize and voice their discontent through the populist party. The other three were greivances they had. They were suffering conomically because of "the middle man" and not being able to control the prices of their goods (getting bad prices in return), were constantly in a cycle of debt (thus farm mortgages), and railroads hiked up prices during height of seasons A, it was unable to assert federal authority. Because of Mckinley's high tariff legislations they lost a lot of Republican seats, giving the democrats a majority

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Candidate x promises and plans: 1.)establish a $10 billion foreclosure prevention fund 2.)provide $10 billion in relief for state and local governments 3.)hardest-hit by the housing crisis to prevent cuts in vital services. 4.)extend and expand unemployment insurance 5.)provide a tax cut for working families 6.)eliminate income taxes for seniors making less than $50,000 7.)simplify tax filings for middle class americans 8.)fight for fair trade 9.)amend the north american free trade agreement 10.)improve transition assistance 11.)invest in our next generation innovators and job creators 12.)double funding for the manufacturing extension partnership 13.)invest in a clean energy economy and create 5 million new green jobs 14.)create new job training programs for clean technologies 15.)boost the renewable energy sector and create new jobs 16.)create a national infrastructure reinvestment bank 17.)invest in the sciences 18.)make the research and development tax credit permanent 19.)deploy next-generation broadband 20.)provide tax relief for small businesses and start up companies 21.)create a national network of public-private business incubators 22.)ensure freedom to unionize 23.)fight attacks on workers' right to organize 24.)protect striking workers 25.)raise the minimum wage 26.)protect homeownership and crack down on mortgage fraud 27.)address predatory credit card practices 28.)reform bankruptcy laws 29.)work/family balance 30.)expand high-quality afterschool opportunities candidate y promises and plans: 1.)workplace flexibility 2.)relief for families 3.)government reform 4.)supporting small businesses 5.)cheap and clean energy 6.)better healthcare 7.)simpler and fairer taxes 8.)lower barriers to trade 9.)expanding domestic oil and natural gas exploration and production 10.)taking action now to break our dependency on foreign oil by reforming our transportation sector 11.)investing in clean, alternative sources of energy 12.)protecting our environment and addressing climate change: a sound energy strategy must include a solid environmental foundation 13.)promoting energy efficiency 14.)addressing speculative pricing of oil 15.)dc personal protection 16.)the confiscation of firearms after an emergency 17.)cut the corporate tax rate from 35 to 25 percent 18.)seal the pork barrel 19.)stop the revolving door and restore ethics 20.)democracy is not for sale 21.)excellence, choice, and competition in american education 22.)comprehensive immigration initiatives for a secure nation

Me thinks the question is a little hard?? I would go with Mr.X personally. Minimum Wage IS really really low.

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So i have been friends with a guy for 2 years. we know everything about each other. we dated briefly last year but distance go tin the way (2 hours apart) we always keep in touch, never have stopped flirting. close connection we both say. finally we struck up a connection again few months ago (no weve never had sex) i decided to move there for work and friends and he was crazy happy. well i havent been able to sell my house in order to move. i only have a little bit of equity but i need that in order to rent a place/move to his city. he knows this and just keeps complaining whne will i finally move and to paraphrase him ' so both our lives can begin because we are so good together'. this guy says pretty much im precious to him, he sees himself marrying me having kids. problem is is that ive explained that i would love nothing better to be there right now. i said i have to work a big project for work for all of july and wont have any time for him because i will be making the money in order to move there. i then 'joked' unless he wanted to loan me money. i only quipped this because he had just boasted he made 19k last month and really wants to burn thru some money. his reply was oh he still has credit debt from last year and really wants to buy some new beach wear. well okey dokey then. its his money but if he wants to run around spending it he shouldnt be upset because im working hard round the clock to move there. he doesnt have a mortgage or car payments to worry about either (his parents bought him both) am im being too hard on him ? im just frustrated because i care about him a lot and think he can be so sweet/smart/funny. but he chooses to blow his money on 200 haircuts and other silly stuff and im just scraping by until i move (i have a great job waiting for me$, but am in a catch 22) ive mentioned this to several friends and they say this is a good test of how grown up he is (he is 35) and if he truly cares about anyone other than himself. so should i give him a break or dump him ? (i give him a lot of breaks by the way) sigh. i mean he is going to the beach tomorrow and im working straight thru until august 1st! insight ?

Red flags blowing in the breeze. He made 19k last month. NOT investing it. NOT saving it. Wants to "blow thru it." Never had a mortgage. Never had a car note. Why? Becuase mommy and daddy paid cash for both for him. His parents (at 35? REALLY?) are basically, at the bottom of things, still supporting him. He's a kid. A little kid. A 35 year old little boy who has no ideas at all about maturity, commitment, responsibility. Can you really imagine him being the father of your children? You really ready to be a "single parent?" Maybe the fact that your house won't sell is GOD'S way of telling you to stay put. Maybe the fact that you get so much work so easily where you ARE is GOD'S way of telling you to stay where you are. WHY DIDN'T IT EVER OCCUR TO LOVER BOY TO HAVE YOU MOVE IN WITH HIM????????????????? Red flags, blowing in the breeze. Ignore at your own risk.