If it does, what is the realistic amount I could expect to shave off of the interest rate and what amount of gold would I have to put down in order to shave off the aforementioned points worth of interest?

This not only results in two extra payments per year, but will shave years off your amortization.

I say we get ice cream at the Dairy Queen on Craig and Rancho around 5pm tonight in North Las Vegas.

Being as cheap as possible, I get my hair almost shaved off so I only have to go pay them about every 3-4 months:) On a different note, I had considered trying to get more into commercial.

Richard S.  Have

No sense in putting whip cream on dog sh!

I am looking for a place online to purchase a gas fireplace insert. there are 2 stores close by, but i never pay retail; i am looking for wholesale prices.the problem with a "google fireplaces" is that there are THOUSANDS of websites that all claim they are the cream of the crop and i want something tried and verified.from what i can tell (new to fireplace specs), i need:around 40k btwmodern lookto go inside a wood burning fireplaceto have a fanany help would be appreciated.

Guess that's the icing on the cream people were talking about.Lessons learned:Timing is everything.  

We unlock the apartment during business hours if we are available or they can call a locksmith.Some obvious things that weren't in my lease before, but will be from now on due to one of my tenants:Light bulbs- their responsibility in their unit, have them let you know about bulbs that need to be changed in the common areas.Plumbing-  Suggest running hot water to help clear shaving cream and tooth paste from slow drains, and allow the use of Drano or other drain cleaner if needed.  

Not all peaches and cream in Maplewood but there are a lot of +'s.