Tag Archives: time

Is it a good time to go with a particular adjustable rate mortgage?

With mortgage rates on the rise, is it prudent to pursue ANY type of adjustable rate mortgage (ARM) at this time? Or should home buyers be scrambling to lock in fixed rates?

In a simple world, I’d consider this question to be a slam dunk, until you factor in the various ARM options available on the market (1, 3, 5, 7, 10). The questions is essentially, is it possible to pick an ARM with a front-end period (where the rate stays fixed) that essentially “jumps” over the upcoming rate spike?

Naturally, we’re talking about rational home buyer options, NOT interest-free or 40-year loans.
For the record, the ARM options I was considering were 7/1 and 10/1. Because the first 7 (or 10) years are fixed, I would have assumed both to be a viable option. My thinking was that you’d basically be gambling that rates would be better in 7 or 10 years than they are right now. Is a decade of high rates really a possibility?

looking for an organization that helps single dads fine and bring to court dead beat moms?

she abanded me and our son for another man and every time i go to the goverment orgainizations they say we can’t find her then i give them her address and they say the will look into it and 3 months later,no answer. so i keep going and no help. i pay back support because i got injuired and could not work for a while. and if i miss a payment because it comes to food for my son or pay them , they suspind my driveing privlages and take my income tax returns. but they can’t take the same engery and time in court to find her when i give them all the information except to go and get her and drag her in to their office. what is going on? i have seen men put in jail because they could not pay and women let go for the same thing. there are more dead beat moms who owe more outstanding support then thier are dead beat dads.

I just tried to eat a p-butter potatoe chip sandwich. OUCH!!! I forgot Teeth were pulled. I want real food?

How long does it take when you have a few teeth pulled at a time, before you can eat solids? Sick of cocoa wheats and malto meal.

The LIA and the Younger Dryas?

It has been stated time and time again by realists, myself included, that the current rate of warming is faster than natural orbital and solar variability, the cause of major glacials and interglacials, can account for. The Younger Dryas, however, saw regional temperatures drop and rise by as much as 15 degrees in a few decades. It is postulated that that this may have been due to an asteroid impact, jetstream changes as well as a severely weakened thermohaline circulation.

http://www.pnas.org/content/104/41/16016.full.pdf

http://www.climategeology.ethz.ch/publications/2009_Bakke_et_al.pdf

How do you propose the, perhaps, regional temperature changes and the onset of European glaciation compare with the changes in the Little Ice Age and the warming of today? And what do you personally believe these changes were caused by?
JimZ: As, much like Dana, I haven’t looked very deeply into this period of history, how was the asteroid impact theory debunked? I’m just asking out of curiousity. My understanding is that it is also pretty well accepted that solar input played a large role in the MWP and LIA regardless which side of the fence you lean on in the debate about AGW, as solar input has historically played major roles in most climate change. This question was merely to find out the relationship between the two. It has been hypothesized that both situations were caused by a slowdown of the thermohaline circulation. Looking it up on wikipedia however states that prior to the cooling of this region South america also may have gone through abrupt cooling. Do you believe both these incidents are related and how would they compare with the theory that this incident was caused by glacial meltwater and desalinization?
Edit to above: Just to be clear on my first response, I may have made it seem that I was attributing the LIA to two individual causes. I’m not. What I meant was The Younger Dryas cooling event and and LIA were thought to have regional cooling in the same area both attributable to the decrease of the thermohaline circulation. Solar input also decreased during this period indicating that the LIA cooling and increased glaciation in Europe could be due to both of these factors.
After doing some reading It looks like I may have been mistaken about the thermohaline circulation and the LIA though, as Littlerobbergirls link implies, the Younger Dryas was caused by glacial meltwater melting into the ocean shutting down the Gulf Stream, which is part of the thermohaline circulation. I thought I read somewhere that a slowdown of the thermohaline circulation occurred during the LIA as well. It appears as if one factor contributing to the LIA were various oscillations including the ENSO and the North Atlantic/Arctic.

http://www.meteo.psu.edu/~mann/shared/articles/MannetalScience09.pdf

I was trying to piece together why both of these incidents are classified as regional and figured they were caused by pretty much the same thing since they dealt with much the same area.

as an atheist, when someone dies i just tell them that…….?

since your all so obsessed with us and you all wanted to know what we say when to the person who lost someone i just say to the person its the circle life you live you die and another generation comes forth but if you remember the times you spent with that person and you make it your own they can live on through your thoughts and there in you. Just make it your own and someday you too will return in the circle of life you will return to the earth and when you see the waters run through streams to rejuvenate the dried up lands that brought death to its inhabitants when the dry season came you will see the circle of life through the darkness and you will see in time everything ends but there is a continuum in nature and you will watch as the world continues on for generations to come in a never ending cycle of life and generations and when that sun sets you will know you were a part of it

any questions?
no i don’t believe in reincarnation i said when you die nature continues on with another generation but not you you dont continue on