Social Science Things that please me - Part 3

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Billy ray

Norm Smith Medallist
Nov 10, 2013
8,583
12,833
The Valley near the Alley
AFL Club
Gold Coast
Refinanced our home loan and it got unconditionally approved today.

Interest rate has gone down from 4.07% to 3.39%. Save $300 a month. ******* winning.
Did your home value take a hit at all? Or did you have enough equity that it didnt matter?
I think if i get my refinanced they will revalue it a bit lower and i may slip below the 80% loan to value ratio and they may only offer a better rate but then i have mortgage insurance to pay
 

Cruyff14

TheBrownDog
Aug 16, 2011
52,798
34,652
Melbourne
AFL Club
Hawthorn
Other Teams
Arsenal
Did your home value take a hit at all? Or did you have enough equity that it didnt matter?
I think if i get my refinanced they will revalue it a bit lower and i may slip below the 80% loan to value ratio and they may only offer a better rate but then i have mortgage insurance to pay
Well we paid $475k in Jan 2016. June 2017 when valued came back at $455k.

Took a few goes this time but it came back at $485k (after other valuations of $440k, $450k and $460k) which we needed to avoid LMI.
 

PoppedCorn

Norm Smith Medallist
Dec 29, 2009
8,356
10,777
AFL Club
St Kilda
Other Teams
West Ham 76ers
Getting the newish shed finally set up with cupboards benches and basically organized.
First time ever ive had a shed that i can do work in and be organized, tidy and rather happy about it
Nothing special like some of these 100 grand decked out mancaves...far from it, but enough to be able to get s**t done
 

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craigos

Norm Smith Medallist
Sep 2, 2014
8,571
16,171
AFL Club
Hawthorn
Other Teams
Liverpool
Well we paid $475k in Jan 2016. June 2017 when valued came back at $455k.

Took a few goes this time but it came back at $485k (after other valuations of $440k, $450k and $460k) which we needed to avoid LMI.
Got to love the real estate industry. May as well just throw a dart at a number.
 

the_interloper

Brownlow Medallist
Aug 1, 2006
14,145
12,548
Melbourne
AFL Club
Richmond
Vanilla milkshake. The best.
Got to be honest I don't really see the point, though I always liked lime which some people think is silly.

Returned an external hard drive on the weekend, 2 and a half years into a 3 year warranty. Last time I returned something to Jb Hi Fi I had to argue the point so was prepared for a punch on. Not only did I get a new HD on the spot, I got a new warranty for another 3 years and got 44 dollars refunded as the new HD was cheaper, remarkable!

The girl was young and hot and oh so friendly, pretty sure she just wanted the D.
 
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