So last week I inquired about refinancing my mortgage. I received a quote on Friday that was about a 1.5% lower than my current rate. Sweet. I got some things in place over the holiday weekend to take care of closing costs and was very happy. Hey I was going to save around $80 a month. Nice. I talk to the loan agent on Tuesday and find out I have to fill out the application for refinancing. So I did it online that night and sent it off. I got confirmation on Wednesday evening the application was approved. However, rates went up slightly and my original estimate would be about $6 higher. The loan officer wants to talk and see if the process should be moved forward. OK, not that big of a deal. A small increase. This morning, look at the rates and they went up again. Now I'd be saving 1.25% or about $12 more than the originally quote. Not bad and it still saves me a bunch of money in the long run. I give the loan officer a call, leave a message that I will try again this afternoon. Which I just did. And guess what...rates went up again. Huge. Now I'd be only saving .75%, which is about $40 less than what I'm paying now. That's right in the matter of 3 days, mortgage rates skyrocketed up .75% and now I'm left to ponder. Do I still refinance at the current rate, which will still save me some money, or do I gamble and see if rates slowly come back down.

I'm so pissed right now. As usual, I decide to look into this stuff too late. A week earlier and I'd be set with a much lower interest rate. Now...who the hell knows?



More JibJab

My friend Tom sent another one these clips, which I find hilarious.

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The post

It's been way to long since I posted any thoughts (familiar theme I know).

Been trying to build a website. It's slow going, but will get there eventually.

Went from having zero things to do at work to being so busy that I didn't know what to do. In fact I worked consecutive days, April 13 until May 1. Actually got to make a little extra cash, which has been hard to come by. The AV & meeting world has suffered in the Fort with the halt of big business. So far our 2nd quarter is looking a billion times better than our 1st quarter. And that's good.

In the process of burning all my CD's to MP3's and saving them on my external hard drive. Many are already done, but just as many are not. It's very time consuming. But necessary. All forms of media with be condensed to files before long and stored on drives. Not sure if that's good or bad.

Finally got to mow my hay field aka the lawn on Friday. Rain and work prevented me from doing so. Now the weekly process will continue until fall.

I also got my garden ready for planting. And started pre-planting several items (a first time for this). My kitchen is littered with 8oz Styrofoam cups with tomatoes, cucumbers, and a variety of peppers. Still waiting to plant the flowers (all of which are edible) and spices until the end of the month.

I need to get a tree in my yard cut down. The ice storm last December broke several thick branches, which are just hanging there. Plus I hate that tree.

Looking into refinancing my mortgage. Got to try and take advantage while these rates are so low.

I spend way too much time looking a the shit sent to my GoogleReader. But I keep adding sites to it. And often, I'll share crazy items just for my own benefit. Hey, I may want to check it out again sometime.

Well, that's about it for now. In the words of the immortal Tiger, TTFN!!!