Cugador

The other day I had a big bottle of Johnny Walker break open in my trunk and more than half the bottle spilled out. The liquor soaked into the upholstery and now my whole car, and especially my trunk, REEKS of scotch. If I get pulled over, I'm getting breathalyzed every time. How do I get the stains and smell out of my car?

Just curious...I see this in Philly all the time. Why do people tie 2 shoes together and throw them on power lines? Is that supposed to mean something?

What do you people think, will they increase the first-time home buyer tax credit with the new stimulus packages (if it ever actually gets passed)?

If they do, I bought my first house on January 23, would I still qualify for the larger amount even though I closed before the law passed?

I'm waiting on them to figure that damn thing out so I can file my taxes.

The 60 amp circuit breaker that leads to my heater is broken. How can I replace it myself without getting electrocuted? Is it hard to do or can you just shut off the main breaker and unscrew the thing?

I want to put in hardwood on the first floor of my house. I also wanted to do it on the stairs, but I heard it's really expensive to do that. Can someone tell me how much that would cost? Does it even make sense to do that or should I just lay down a new carpet?

In your opinion what is the best and worst airport in the US?

You can use any criteria you'd like.

I'd say Best: Mccarran in Las Vegas

Worst: La Guardia in New York

What are the difference between hardwood and laminate (other than cost)? What are the advantages and disadvantages of each?

What if I were to pay more than the minimum on a mortgage to pay down the principle. Down the line, could I get the lender to re-amortize the loan based on the lower principle and original payoff date to lower my monthly payment? Or is the only option there to refinance?

If I'm buying a house with a conventional loan, do I have to prepay my property/school tax and insurance into escrow at settlement? What if I'd rather hold on to the money and just pay it in full when it's due?

Also, what the is an Aggregate Accounting Adjustment?

I'm in PA.

I'm a single guy in my mid 20's, and I'm FINALLY moving out of my parents' house soon, and buying a 3BR townhouse by myself. I already got the loan and everything and should be closing any day now. The place needs a lot of repairs, plus I don't have any furniture/home furnishings, so I'm gonna have to buy all that.

Even though the bank and the online calculators say I should be OK, I was just wondering what other people think. Would I be able to live alone COMFORTABLY and not have to pinch my pennies?

Here's my financial situation:

My monthly pay is about $5100 gross/$3500 net (although my job security is a little shaky right now)

My mortgage+tax+insurance+HOA fees will be about $1250/month

I have a $370/month car lease payment

I have a student loan payment of $93/month (although I've always payed triple that to pay it off quicker)

I always pay my credit card off in full at the end of the month.

I have no idea what other bills/expenses are gonna be like.

I should have about $45k in cash left over after closing.

I never had to worry about what I spend on because it was always less than my income, and now I'm not sure.

Any opinions?

BTW, I live near Philly.

I'm a single guy in my mid 20's, and I'm FINALLY moving out of my parents' house soon, and buying a 3BR townhouse by myself. I already got the loan and everything and should be closing any day now. The place needs a lot of repairs, plus I don't have any furniture/home furnishings, so I'm gonna have to buy all that.

Even though the bank and the online calculators say I should be OK, I was just wondering what other people think. Would I be able to live alone COMFORTABLY and not have to pinch my pennies?

Here's my financial situation:

My monthly pay is about $5100 gross/$3500 net (although my job security is a little shaky right now)

My mortgage+tax+insurance+HOA fees will be about $1250/month

I have a $370/month car lease payment

I have a student loan payment of $93/month (although I've always payed triple that to pay it off quicker)

I always pay my credit card off in full at the end of the month.

I have no idea what other bills/expenses are gonna be like.

I should have about $45k in cash left over after closing.

I never had to worry about what I spend on because it was always less than my income, and now I'm not sure.

Any opinions?

BTW, I live near Philly.

I'm buying my first home really soon, and I need to get the homeowners insurance ASAP. What's a good company to go with? Also, what's the fastest way to shop around, because I'm kinda busy?

I currently have Geico for car insurance. Do they also do homeowners, and if so...is my best bet putting them both under the same policy?

I know that you get one of the best rates if you put down 20%. What if I can afford a little more than that (say 25-30%). Can I get an even better rate if I do that?

If not, does it make any sense to do that, or should I just keep the cash for a rainy day or other investments?

Should I pay points to buy down my mortgage from 5.0%.

They're offering me 4.75 for .5 points, 4.625 for 1pt, or 4.25 for 2pts.

If I have the money, should I choose one of these options? Or should I pay a little more towards down payment (I'm already putting down 20%)?