Anybody Following Trim Healthy Mama diet??
10 years ago
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- 10 years agolast modified: 10 years ago
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Is Anybody Following The Markets?
Comments (34)Well, I'd started this thread hoping to discuss the AIG failure & its far reaching tenacles into America but it's been all about housing. I've got one arm tied behind my back in that area but I can discuss 50-year mortgages. Fifty year mortgages are typically 5/1 ARMs at a quarter percentage point higher than a 30-year loan. Over the first five years of the loan, the borrower pays about 0.25% more than a typical 30-year fixed rate mortgage, but after that, the rate adjusts annually to match the prime lending rate. Since we have no idea what will happen with interest rates five years down the road, the only way to really evaluate the 50-year loan is over the first five years. Lets say that were buying a $250,000 home and we have a $50,000 down payment. We can either take a 30-year loan at 6%, or a 50-year loan at 6.25%. On the 30-year mortgage, your monthly payment would be $1,199.10. With the 50 year mortgage, your monthly payment (for the first five years, as mentioned above) would be $1,089.95. So far, so good for the 50-year mortgage but if we keep comparing it's not so great going forward. Lets say that in 5 years youre ready to sell the house and move on. Also assuming that your house value went up 10%, so now its worth $275,000. For the 30-year mortgage, you still have a balance of $185,840, which means that you now have $89,160 in equity in the house. On the other hand, with the 50-year mortgage, you still have a balance of $196,544, which means you have only $78,456 in equity in the house. With the 30-year mortgage, you have $10,704 more in equity after five years. Now, the difference in your monthly payments is $109.15, so over 6-months, youll pay $6,549 more with the 30-year loan, but you end up with $10,704 more in home equity. Thats a 63% return over five years, or about 11% a year. I dont know about you, but if I can afford an investment that returns a guaranteed 11% a year, Im quite willing to dump $110 a month into that investment. In short, a 50-year mortgage simply isnt worth it. A 30-year mortgage is actually an extremely good investment versus a 50 year, and were not even considering the bad things that can happen when your rate adjusts with the 50 year. Theres pretty much no reason to ever consider getting a 50 year mortgage unless you enjoy handing a lot of money to your mortgage company with nothing in return. I watched CNBC last night until 9:00 p.m. The future were at +215 when I got up at 2:00 a.m. to use the facilities. Now, since the announcement of the MM fund guarantee they've jumped to +338. It's going to be another interesting day. This is a very far-reaching legislation. I know there was a run yesterday on MM funds & something had to happen quickly but I sure hope they take the time to think this thing through carefully...sometimes, the cure is worse than the disease?? Blocking short sales is draconian, IMO, & really interfers in the free market. Shorts help us to spot problems (remember Enron?). Don't like this blocking short sale business at all. If somebody's spreading negative rumors & then short trading on those rumors...that's already illegal. Gosh, I've traded short several times over the past year & I'm certainly no "corporate raider". Anyway, there's LOTS to digest this morning & probably more to come... /tricia...See MoreHealthy Choices Check In!
Comments (44)Roobear, those mini trampolines are indeed great exercise and very enjoyable. Just a cautionary word though: Be alert at all times when you're using yours. I used to have one several years ago, and one evening I was on it, listening to music and just kinda "zoned out". The next thing I knew, I was on the floor and my ankle was twisted up underneath me at a very awkward angle ... I had come down on it wrong, my foot turned, I fell off (on the hard tile floor, no less) and given myself a very nasty sprained ankle that took a long time to heal. I'm a little too afraid to get back on one now, and I always have to turn mama bearish and warn others who use them to be careful! :-) I applaud each and every one of you who are endeavoring to be healthy and fit. On Thursday of this week it will be one month since DH and I joined a gym together (we've gone daily - haven't missed a workout) and while my weight hasn't dropped, I can see a difference in my body's shape. My arms aren't as flabby as they were before I started this, and my legs have tightened and toned a bit. I want to incorporate more weight training into my routine, but for now I'm enjoying the cardio and interval training....See MoreDiet Pals 7-13 March
Comments (31)Wouldn't we all like to change places with our cruiser today?? Oh McPeg - hugs!! If they wanted to get rid of you they would have. You must be doing something right. If you love the job as much as you say smile pretty and kill them with kindness. They have the power because they write the check. I had a job and boss I loved and changed departments (not my choice!) and ended up with the worst boss in the printing plant. I lasted 2 years. If you can't take it get out of there and go somewhere there is less pressure or ask for a transfer there. It sounds like they are giving you a chance at least. Lots of places are "all business". My cousin (a woman) owns her own business and it is like a tomb in that office. You have had a lot of headaches the past few weeks and deserve all our hugs for that. Hang in there! big big hugs to you!!!!!!!!!!!!!! The banquet last night was a long drawn out affair I should not complain about free food but - the chicken was breaded fried and had ham and American cheese in it. It looked like a loaf of bread. The Athenians would never have touched that! The salad was really fruit with some dairy sauce on it. About the only healthy thing was the carrots. I passed the dessert right to hubby so that was good at least. The entertainment was good but there was too much of it and after kids singing, testimonials (it was a children's ministry appreciation dinner) and thank yous, group singing with a guy who kept saying "one more time!", kids dancing then they called up a speaker! He was good but I was ready to bolt for the door. I do not need to worry about my doctor's appt Monday because it turned out I had scheduled my appt. and the dog's appt. 10 minutes from each other so we know which one was put off another 2 weeks ;-) I made the Italian pasta dish that I posted the recipe for supper and hubby loved it but boy is it spicy! It would be great food when someone has a cold. If you try it, precook the sausage and cool it before slicing. I had too many things going on at once and overcooked it a little but that did not hurt anything. I thought it "needed" something so added a spoonful of fat free sour cream to my dish. I used frozen pepper stir fry for the peppers and picked the onions out so was a little low on peppers and added mushrooms. Red, yellow and orange peppers here are $4.00 a pound. Hmmm maybe I sould grow some this summer.... Oh heck gals I have been losing and gaining the same 8 pounds forever. BUT I am still 46 pounds lighter than I used to be! It makes a big difference in your life. My problem is I had quit going to the doctor's for years so he did not see the biggest me. To ME I am thin! Mom has tried to find the WW bagels everywhere so she went to the store where she bought them and ordered 10 packs! The manager said they were suprised how many people are asking for them. MaryAnn did you go out on the motorcycle? Hubby wants me to ride with him but it is bad enough riding in the car. You know you (and me!) are getting old when a late night is 10 pm. YH what is O'Charlies? Sounds like a pub. Hmmm do we need to do a 5 pound challenge? Haven't done a challenge in a while. Well big hugs to all who share this torture er/a struggle. Have a great tomorrow! Kathy...See Moreanybody see Dr Oz yesterday? 2/23 HCG diet
Comments (21)Most of these reviews/responses are from people that only read and hear what they want to hear about the "HCG" diet, and probably anything else they don't understand! I think they missed the part about the maintenance program "resetting" your metabolism, and of course encouraging healthy eating and exercise. I think the reason why Dr. Oz stayed neutral is because it works! I will not tell you it is right for everyone, but I will tell you it works 100% of the time, for 100% of the people that do the program correct, how do I know...I have personally lost 110 pounds in 135 days, have contributed to a book on HCG, and have helped well over 100 people. I am not selling you anything, or even giving out my name, simply want people to understand that this works, but only if you are willing to give it a chance to owrk; otherwise find a program that works for you, either way quit posting ignorant posts and possibly disuading people from this or any other program that may help them, especially when you do not understand it! I wish everyone success, whether you choose the HCG program or not on a happy healthy life, and lifestyle!!...TJM...See More- 10 years agolast modified: 10 years ago
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