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Dave, The answer to your question is no. Once the loan is in place the lender can't change the terms or conditions of the loan. Charlie, When did they do away with 10-15% down conventional loans? I've closed a few 10% and 15% down conventional loans this summer.

Dave, You are confusing what 20% ownership actually means. Crossing the 20% barrier for a value that no longer holds means nothing. The current value is all they will be looking at when they consider letting you out of your PMI payments. The burden of proof is always on the owner/buyer to prove...

The 20% figure you see on your amortization schedule used the 2006-7 value to determine when you would cross the magical 20% number. You need owe at least 20% less than the current value to be released from the PMI requirement. Your mortgage company will most likely require you to obtain, at...

I'm all in!

Nice review but I'm going to need more information on your beverage. :0

I've had a several bottles open past the 6 year mark without issue. I do what I can to keep my bottles out of the sun & heat but have been known to take a bottle out by the pool in the middle of summer. The general consensus is the closer to empty the bottle gets the quicker the whisky...

Prices vary widely especially at the upper end but fot the most part I find them to be competitive. Hudson Wine Market offers free shipping on several nice single malts and a few high end blends. We used to have Shopper's Vineyards but they no longer ship spirits. From their website it looks...

Steve, I have ordered from these folks a few times without issue. Service has always been better than average. http://www.hudsonwinemarket.com/index.asp

I have a bottle of this in route from Chicago and can hardly wait until Monday. :laugh:

Happy Birthday Isy!

I was thinking damn they had another one really soon. Sorry to hear things didn't work out with his mom. Congrats on your little one turning 1 and the weight loss. You wear it well.

Celebrating our son's last night at home with 2 pours of Highland Park 25. Tomorrow he gets his house!

Highland Park 25.

Thanks for posting this information. Are you talking about the store on Western Ave?

Where is my cut? Lol I lost again.

Nice to meet you, Steve!

Am I the only one surprised to see the Liga "A's" in cello? Obviously fakes so you might as well send them to me. :love:

This! Well said, Doc.