Mojoe

LOL. That truck pissed me off. The speed there is 30. However, it's a rule to get over for faster cars when you can. The guy drove by 2 pull offs with out pulling off, and messed up my taping. I was able to stay in 2nd most of the time. If you listen, you can hear the break up I get at 4000rpm when I ease it through that range. If I mash it, I'm fine. That will get worked out with the new tune. I was between 40 ans 60 in some area's. The truck was doing the speed limit, if that helps gauge speed. I'm still learning the car, but loving it.

First off, I don't know why there is no sound. Sorry. I had to break it up into 2 clips to up load it. This was filmed early Sunday morning. We will have pics and more vids up as soon as we can. Luke's footage should be better. http://videos.streetfire.net/video/d03e9961-b830-4798-82d6-991a00aa7387.htm http://videos.streetfire.net/video/1a74e0da-4119-41d3-ae98-991a00ae9763.htm Tilly, this might give you an Idea of what the ride would be like.

Awesome. I'll say it again. If I was to get a SUV, it would be a FJ. Congrats.

The TA guy is really cool. He knows the car and adjust the power to what they need . I'm not sure how thought. In one show he told his daughter that he set the car to low 400hp for better mileage. I'd like to see it come down to the TA and the Lotus.

Mike, talk to Dereck(turborust) at NTB, I would trust him with these.

This guy was such a sport. We harassed him all weekend and he played along every time. We were going to have to cop cuff him, But I started to feel bad for the guy. LOL.

Any chance you are going to take your car to a road course? You might get to see what RX 7's are really made for, IMO. I'll talk shit for just a second and race someone else's car while I'm at it. I would wager that Carl's driving Vs. your power level would give you a new respect for what these cars can do. I know you have said that you really like FD's, but to see one run a course or to ride in one through corners is awesome. I know you have not had much seat time, but the Vett still is a great car on a road course. You should try to make it to one of the open track days with us this summer. Open invite.

I do like to see the competitiveness between you two.. I should have added, I was just at the shop and I know he is slammed with work. I don't expect to see reply from him till late hours or a couple days.

I don't like to speak for people. I will say his redesign of his set up is inspiring to those looking for big power. As you and I both know John, nothing is ever done till it's on the road. I'm 10 months on the road after my build, and still don't have a full tune. All we can say is soon....

Just wanted to follow up on things. I talked to Jason a Zavior this morning, They are really looking forward to this as much as we are. I still feel many people don't know about this. I talked to an RX 8 guy today, and he really was interested. So, let's not forget our rotary brethren. After seeing how things went at Deals Gap last weekend, I know the more people we have the more fun this will be. Hope everyone interested in seeing these cars and meeting up come out of this.

rodent trap. then a drive to the country.

I...

For those of you that don't know Bobby, don't go by his post count. He's a great guy and is straight forward. Good luck on the sale Bobby.

You're not badgering me at all. I don't mind helping. If it gets to a point where I could be discussing someones personal info, I just rather PM or talk to them one on one to avoid there info being out there for everyone to see.

Looks like Ohio's unemployment will be going up.

Let's address PMI first. Up until this year PMI was wasted money. And still is for the most part. PMI, covers the lenders insurance on you failing to complete your mortgage agreement. It is incurred on CONVENTIONAL(good credit) loans of more than 80% of the homes value. These loans are a looked at as higher risk and the rate may be higher reflecting that. Affective 2007, homes with PMI and a household income of (I've read 2 reports that differ) $100,000 can write off their PMI (the other report said $110,000). PMI varies, but on average, I see it from $50 - $140 per month included in the payment. Not to have it is still the better way to go, but if you have it, at least now you can get some back with your taxes. 80/20's are good for getting rid of PMI. However, your rate on the 20% will be higher than the 80% and the @05 is a 2nd mortgage. There are lenders out there that will let you buy out the PMI with a higher rate. the payment is lower this way and you are still writing off the interest at the end of the year. Rights, wrongs, do's, don'ts can come down to your personal situation. Feel free to PM me. I've talked to a few people today; I'm not looking to do loans from CR people. This is where I come for recreation. I've had many people here help me with things, so I am just looking to return the favor. thanks

This popcorn's stail. I'm leaving.

I've always like them. If I had a beach house, that would be the car I leave there.

What are you wanting to know?

Depends on the lender. Some will waive it, or put one on the new loan.

I'm making popcorn right now. I hope by the time it's done, you'll have posted up your awesome Volvo vids with you running the car. Show me what vids you have made and let us critique you.

What is the start up $?

Nope. I still done like country music.

Howard is on the right track with this here. However, very few people pay point to buy the rate down. Doing it this way can help you if your plan is to stay in the home long term. Typically it's the 40 + year olds that would do this for the home they plan on retiring in. In reverse of my example in the other thread I'l use this one. 6.5% = PAR rate. to get 6.125% it would cost you 1.75 points ( fake #'s do not quote me). So on a $150,000 loan, it would cost you $2625.00 out of pocket to get the 6.125%. The payment @6.5% would have been $948.10 per month. At 6.125%, your payment would be $911.42. It's a difference of $36.68 per month. Now if you stayed with that mortgage for 30 years, it's a savings of$13,204.80 for buying it down. over all savings, -$2625, is $10,579.80. Most encounter points in a similar way to what Joe described. See my write up in this thread http://www.columbusracing.com/forums/showthread.php?t=36228

Edit for easier reading. Points are very hard for some people to understand. Here's how they work. For the most part, many places use them as a way to make more money without it rising the loan amount or seeming as it's coming from the borrower. Ultimately, it still affects the borrowers money. Example: You qualify for a PAR rate (PAR = no points) of 6.5%. Your loan is written up at 6.875%. this is still a great rate, but the lender/bank/broker might be getting paid, let's say 1.75 points. What that means on a $150,000 loan is someone is making $2625.00 from the lender for giving you a higher rate. You might also be in a situation when there is not room for the lender to get paid for doing the loan. The borrower is in a pinch. So, the lender charges points to get paid. NO ONE DOES A LOAN FOR FREE. Somewhere they are getting paid. There is more to this, but for the most part that will cover you. If you want more details PM me. Points are usually paid for within the loan on a refinance. Therefore, no out of pocket expense for the borrower, IF they choose. On a purchase, you would have to pay the points out of pocket.