Rya

Is anyone on Tribe.net in here? If so, would anyone be interested in an LOC tribe? I know facebook was brought up the other day & I did sign up. But I'm already on tribe & there is where I spend the majority of my time (huge dance community for me) :D . It's also WAY easier to navigate than facebook. For those that have not heard about tribe.net, it's like My Space, Facebook, etc. without the creepy connotations of My Space. If anyone's interested, I can set us up. :)

Yacht :whistles:

Sea Shore (She sells sea shells.... you know where I'm going)

Paradise

Footprints :P

Train

Coal <_<

3ct. diamond :(

California

Network Crash

Funny (things get funny after a bit o' tequila)

Jimmy Buffet

Pirate (yummmm!)

RFeldes has a great suggestion about checking into a VA loan. As I've never been in the military so I don't know what is available, but if there is something like that, deffinitely worth looking into! Otherwise, you already said you'd be interested in a 15 year, fixed loan - GREAT!!! You might even be able to do a 10 year. Here's an example: A 50k loan at 8% is $606.64 per month for 15 years, $477.83. If you do zero down (traditional load - don't know about the VA option), just remember the PMI (mortage insurance) that is required until you get to 20% down, then you have to refinance. You already said you'd like fixed - don't let anyone talk you into an ARM, balloon or sub-prime - all terribly risky. I would say look into zero down as long as you can get a FIXED & not-sub prime loan. Please do not wipe out your savings account (ever). And do your research - ask the realator why the house is selling for $47k, check out other houses in the area to see whet they are worth. Check this out: http://realestate.yahoo.com/Homevalues Enter the address, instant estimated value and values of nearby houses.

Convict

So ends the discussion of using a bra or not.... so much for this being a car forum. Just kidding! Enjoy you new FRONT END COVER!!

I did find you in facebook! :D

GREAT NEWS!!! I'm so glad you're able to get what you need. Let me know how you like it, maybe post a pic so we can see it.

Coool, thanks! Just joined. I'm also on tribe.net.... do we have a tribe there?

Wow it seems like allot of the standard stuff with Lexus is optional with Mercedes.... that's allot of $$ to spend & not get everything.

No kidding!!! Jeez, we bought my house for $114k about 7 years ago, the house was built in 1951 & is almost 1400sf. It's currently valued at about $130k. But Northeast Ohio living is a bit different from GEORGOUS Virginia Beach or California! I bet it's amazing!!

Will you have any $$ left in savings if you spent $5k on your down payment? You want to try to not wipe out your savings account - for any reason (car, vaccation, motorcycle, etc.) 20% is the goal you're trying for with down payments, otherwise you end up needing PMI (private mortgate insurance) which is required for loans w/o 20% down. Some people will say you don't need to put any money down, but there is a reason why our country is at the highest level of foreclosures ever right now. To get rid of the PMI, you have to wait until the amount you have paid in equals the 20% down payment - then you have to refinance your loan. Just really do your research and err to the side of caution. You want to keep your high credit rating. A good book "Home Buying for Dummies".... sounds silly but there is allot of straight forward info in it. If you're planning on paying $800 - $1k per month - you should be looking at really short loan time like 15 years since the house is around $48k. On Saturday nights, Suzy Orman has a show on CNBC. There is a segment called "Can I Afford It". You don't have to call in, but really great insight on what smart spending and healthy debt (yes - a house is healthy debt) are all about.

Are you going to have a down payment? Look for fixed mortgages, ARM (adjustable rate mortgage) and sub-prime loans are very risky.

Thanks for the update Denny! I love the new new ML... but that rear door closing quickly seems dangerous. Have you driven a Cayenne?? I have not yet, but would love to.