-------------------------------------------
The Simple Way This 35-Year-Old Paid Off Her House! - Duration: 4:32.
So we've been talking about taking
your 30-year mortgage down to a 15
and some of you are thinking, "That's impossible, Rachel."
And I'm here to tell you, anything's possible
if you believe, you guys! (laughing)
So, I brought in Cole here to share her story
because she did this, she's like a true-life example
of going from a 30-year to a 15-year mortgage,
and you did it, didn't you?
- Yes.
- And I'd like to point out, too,
you got a little bump— (laughing)
a little baby bump. - Yes.
- She's pregnant! We like babies around here.
Okay how far along are you?
- 36 weeks.
- 36 weeks. Is it your first?
- Yes.
- Yes.
- First.
- First, first little one. - Yes.
- So fun, which makes this whole story
I think even better because— - Exactly.
- This baby's gonna experience a 15-year mortgage house
and not a 30-year, so. (laughing)
- Exactly. (laughing)
- Okay, so talk to me about your home-buying process.
- Okay. - When was it
that you first bought your home, what was your situation,
were you single, married? Tell me everything.
- I purchased my home in August of 2005.
- Okay.
- I closed on my house two weeks before
I graduated from college, had roommates
who helped pay my mortgage and everything.
- So what made you buy a house in college? I'm curious.
- I didn't want to rent and, you know,
I had the down payment sitting there.
- Yes. - 'Cause I worked
full time the entire time I was in college
and just kind of wanted that freedom
away from home, away from renting.
Like I said— - You had money
saved up for a down payment already.
So what percentage, how much did you have down?
- I had five.
- And you said okay, I'm 22, I'm gonna buy a house.
So you bought the house, and you put it
on a 30-year. - It was a 30-year.
- 30-year, okay.
And so tell me about the time when you looked up
and you said, "Oh, I wanna do something different,
I really wanna refinance and change to a 15-year."
- After the real estate market crashed
and all the interest rates went down so significantly
and everybody was refinancing.
Your interest rate will drop, refinance.
So I thought, "Okay, why not?"
Looked into it and said, hey, you know,
what could I get, just at a lower rate?
- Right. - And she said,
"Well, we can do a 15 at 2.3% of 2.5%.
- 2.5% interest on 15-year.
What was your 30-year?
My 30-year was right at 7%.
So almost a 5% difference you guys in interest.
I mean that's amazing. - It is.
- That really is, and that may not be the case for everyone,
but you guys, if you do refinance, your 15-year mortgage
will have a lower interest rate than your 30,
maybe not 5%, but that's amazing.
- Right (laughing). - That's like
Jesus is like, I'm gonna bless you today.
- Exactly! - That's amazing. So great.
- Exactly, so we went through the process
and she said you know your payment's gonna be less
and we're gonna escrow your taxes and insurance
that way you don't have to worry about paying those.
- So having an escrow account it's like a third party
holding some of that in that. Yeah, so you didn't have that.
- So the first seven years
that I lived there-- - Yeah.
- I was having to pay the higher mortgage payment,
that none of it was going to principal,
plus the insurance, plus the taxes out of pocket.
- (laughing) Oh yes. - So now I'm going
to a lower payment and all of it's together.
- So once you got to that 15-year,
you were so motivated, right?
- Exactly. - I mean, you were like:
"I can pay this, I can pay this quickly."
Especially since the payment was lower
than your 30-year, which may not happen, again,
but still, (laughing), I mean that's part of the story
which is just amazing.
- Even if it's a little more, you're paying
a lot less in interest over the time.
If I had paid it, just the payment over the 30 years,
my house that I paid I think $116,000 for
would have cost $240-something thousand dollars.
I paid it off in $124,000 I think.
- So you paid it off? - In that 15-year.
- Catch that you guys. You what?
- Yes paid my house off, paid my mortgage off.
- (laughing) You have no payments at all?
- No payments at all.
- And how old are you?
- I'm 35.
- 35 years old! You guys, that's,
(laughing) I mean seriously that's amazing.
At 22, that 30-year, if you just stuck with it,
you would have been 52 years old
when your house was paid for,
but not only did you refinance, get a lower interest rate,
get a lower payment, but you kept paying aggressively on it,
you paid it off by the time you were, you're how old again?
- 35.
- 35.
Well Cole thank you so much for sharing your story,
seriously, it's so inspiring you guys
because it's like okay, you can do this.
You can go refinance your house,
get it down to that 15-year mortgage,
and, just like what Cole was saying,
you get 15 and you're like,
well what if I pay it off sooner? And you keep being aggressive,
pay it off where you have zero payments
and your house is yours.
So, I hope you guys are motivated by Cole's story
'cause I think it's absolutely amazing
and such a testament that you can do this
if you just decide to, so. - Absolutely.
- So congrats girl. - Thank you (laughing).
- So proud of you. That's awesome, so awesome.
(upbeat music)
-------------------------------------------
#326 latest simple rangoli without dots| easy creative kolam designs|beautiful easy muggulu designs - Duration: 3:26.
Daily Rangoli Designs
-------------------------------------------
#325 easy creative kolam with 13 dots|latest simple sangu rangoli |beautiful lotus muggulu designs - Duration: 3:31.
Daily Rangoli Designs
-------------------------------------------
HOW TO FIX PROBLEMS ALL OF US SUFFER FROM IN THE SUMMER│SIMPLE LIFE HACKS TO LOOK STUNNING EVERY DAY - Duration: 11:18.
HOW TO FIX PROBLEMS ALL OF US SUFFER FROM IN THE SUMMER│SIMPLE LIFE HACKS TO LOOK STUNNING EVERY DAY
-------------------------------------------
aari work blouse designs tutorial | simple maggam work blouse designs | mirror work blouse designs - Duration: 4:12.
simple maggam work blouse designs
-------------------------------------------
This Is The Way We Go To Bed | Kids Songs | Super Simple Songs - Duration: 1:59.
(playful music)
(lighthearted music)
♪ This is the way we take a bath ♪
♪ Take a bath take a bath ♪
♪ This is the way we take a bath ♪
♪ We do it every evening ♪
♪ This is the way we put on our pajamas ♪
♪ Put on our pajamas put on our pajamas ♪
♪ This is the way we put on our pajamas ♪
♪ We do it every evening ♪
♪ This is the way we brush our teeth ♪
♪ Brush our teeth brush our teeth ♪
♪ This is the way we brush our teeth ♪
♪ We do it every evening ♪
♪ This is the way we read a book ♪
♪ Read a book read a book ♪
♪ This is the way we read a book ♪
♪ We do it every evening ♪
♪ This is the way we say goodnight ♪
♪ Say goodnight say goodnight ♪
♪ This is the way we say goodnight ♪
♪ We do it every evening ♪
♪ This is the way we go to sleep ♪
-------------------------------------------
Simple Blouse back neck design models | Aari Blouse Designs | patch Work Blouses For Silk Sarees - Duration: 3:06.
Copy rights
-------------------------------------------
Simple Pergola (english subtitles). Простая пергола. - Duration: 17:22.
I am about to build a pergola.
I need to build two pergolas.
The second pergola will be a little bit simpler than the first one.
Really both pergolas are simple to make.
A project design was agreed with the customer.
My building process starts by milling lumber.
This is standard operations.
Crosscutting to a rough length.
Ripping to a rough width.
Then milling the pieces to their final thickness and width at the jointer and the planer.
Therefore, I will not go into detail at this point.
And now I start the basic process of building.
Now I make mortises in vertical elements,
in which horizontal rails will be fixed.
Making the mortises with the router is pretty simple.
It is only necessary to make a template and mark the start location of the mortise.
Then each of the mortises was squared off with a chisel.
Perhaps it is the most time consuming operation.
By analogy, I do all rest mortises.
Assembling of elements.
I am gluing it with a PVA glue and clamping
and then I stopped here for the day and leave this structure dry overnight.
The next day I decided to add screws for extra durability.
I ended vertical elements and now I start to make the top.
All elements will be fixed with mortises here, but not butt up, and overlap.
To do this, I need to make the mortise in each piece,
and then connect them together.
I made mortises on the short details at the table saw,
and now I make mortises on the long detail with the plunge router
because the long workpiece at the table saw is inconvenient to process.
Now to make the top a little bit more interesting,
, I will make bevels at the ends and all of the outside edges will get a chamfer.
The work in the workshop is over,
now I need to deliver the completed project to the customer and install it on site.
So far as I drive, you might enjoy local nature with me.
And already the pergola installed on the place,
so far only one,
the customer has not come up with a place where the second pergola will install.
A creek flows near.
This is the herb for which I built the pergola.
I was told that this is the hops.
-------------------------------------------
SIMPLE RABBIT RANGOLI WITH 8X8 DOTS * SIMPLE RABBIT KOLAM * CHUKKALA MUGGULU DESIGNS WITH 8X8 DOTS - Duration: 2:43.
SIMPLE RANGOLI DESIGNS
SIMPLE RABBIT RANGOLI WITH 8X8 DOTS
SIMPLE RABBIT KOLAM
CHUKKALA MUGGULU DESIGNS WITH 8X8 DOTS
-------------------------------------------
Une simple piqûre peut nuire à votre santé! - Duration: 0:38.
For more infomation >> Une simple piqûre peut nuire à votre santé! - Duration: 0:38. -------------------------------------------
Savez-vous:Combattre le cholestérol avec une simple tisane - Duration: 4:04.
For more infomation >> Savez-vous:Combattre le cholestérol avec une simple tisane - Duration: 4:04. -------------------------------------------
video Do You Like Broccoli Ice Cream?Nursery Rhymes song / Simple kids song TV - Duration: 2:13.
video Do You Like Broccoli Ice Cream?Nursery Rhymes song / Simple kids song TV
-------------------------------------------
Simple Chandelier Made Of Glass for Minecraft Use CC - Duration: 4:13.
ok...
shit!
SHIT!!
FUUCCKKK!!!
Hello guys, welcome to my youtube channel
and sorry i didn't add my voice
cuz ...
my microphone is broken and i cant record my voice
but in the next video i will add my voice
so, you can understand what i say and what's in my video
and i hope you enjoyed.
so, today i'm going to show you a
Simple Chandelier Made Of Glass And Glowstone
and yes.. of course
the glowstone is for the light
and i have to apoligize for the lag
cuz
my hardware required is not enaugh for this beautiful shaders, so i can get more realistic view.
any way ...
this chandelier is 100% made of glass and for the light is 100% glowstone
as you can see this chandelier is look
LUXURYYY.......
and this is how i made
just look and follow the steps
my suggestion is use this as reference and make your own chandelier
and you will very proud with the result
like i did
and if you want to see my chandelier that i made
you can check it on my instagram in description and follow for more information
and don't forget to subscribe share and leave a like
okay i can leave you for a while
so you can thinking about your chandelier plan
ok
...
...
ok
you're done ?
i'll take that as a yess
and you must know what your plan with chandelier
and if you don't
you can follow the steps like copy paste a word
or if you need more time to think and concentrate you can pause the video
and this is the result
and it's a little bit different from my tutorial
cuz
i modified the model by my self
and use it as a reference
and i made for a survival mode
cuz
the sources is very limited and you have to go to nether
to get a many glowstones
and i use 1 glowstone for this chandelier
so...
thank you for watching and i can't be here for a long time
before the owner realize i'm a AI to destroy a human race
just kidding
hahaha...LOL
okay i'm just gonna burn my traces before someone see it
ok
thank you for watching and i hope we will meet again
dont forget to like and subs so i can get more knowledge to know how to become a real human
just kidding
HAHAHA...LOL
i'm a human you know
but i can't feeling how human feel
ok see you next in another URL
ohh...
this is a beautiful view
i'm just gonna blow the rest of it
wait
not in there
SHIIITTT!!!!
Không có nhận xét nào:
Đăng nhận xét