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Fruitbat

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  1. Anyone ever use BNC National Bank? Getting one of my better offers from them via internet...I think from a Zillow form I filled out.
  2. Ahhh-yep. move down the table to my actual current amount owed and the split lines up with my current payments. So another way to look at it is....by paying extra you are moving forward in time in the loan schedule, getting to the end of the table quicker. Thanks! (and thanks, Juxtatarot!)
  3. This might be a dumb question....but if you pay extra monthly on your mortgage, does it impact the mix of Principle/Interest? We've been paying extra each month, and now that I look at my current statement... I'm paying less interest each month in my current payments than what is indicated by an amortization schedule based on my original loan. I want to look at my amortization schedule on my current loan and compare to a re-fi scenario to help decide if I should re-fi.
  4. Does this have any sort of location/access restrictions? Meaning, does it work for me at home if the college student is in another state hundreds of miles away?
  5. Wait..you got a 2020 1st for EACH of those picks? plus 3rds? That's robbery. Those are good trades even without a potential stacked upcoming class.
  6. No players involved but maybe still of interest... 12 teams... Team A gets #2/2019, 3rd/2020, 25% of 2019 waiver cash budget Team B gets #20/2019, 1st/2020 (virtual lock to be top 8)
  7. A fair point. But assuming that potential change in value of the 2019 1st between now and the beginning of the season is being factored in by generally knowledgeable owners.... The #1 to me is hard call if you are RB starved. No, Jacobs is not Saquon, Elliot, Gurley, etc...but is he better than a random 2020 1st? Even if you are not RB starved, he still has value. at #2 the argument for the 2020 1st gets even easier....but not sure if its a no brainer. Also in all of this is the cost of waiting another year. I go back and forth on this in my head...hence the post/question.
  8. Starting to catch 2020 rookie fever..... What's the highest/best 2019 1st you think is equivalent to a random 2020 first round pick? In other words, how late would you have to be picking in the 2019 first round in order to trade it straight up for a random 2020 first? At this point, I'm thinking it could be as high as #2...but curious what others think.
  9. Hermantown's 9 year state tourney streak ended by Greenway in 2OT
  10. Before last nights game Team A (rebuilding) gives: OBJ, 4th/2020, 4th/2021 Team B (contending) gives: C Kirk, Trequan Smith, J McKinnon, 1st/2020, 2nd/2021 12 team league, 24 roster spots, keep 20.
  11. ....and it looks like they ARE finally going to make the jump.... http://www.duluthnewstribune.com/sports/4413902-prep-boys-hockey-hermantown-eyes-class-aa
  12. yeah I am no Hermantown apologist in this regard. I would think it would make their program that much stronger by making the jump...but they are within the class A limit and it sounds like they have no plans to move up. Comparatively, just down the road is Duluth Marshall with about 60-70 kids per grade in the upper school, and they jumped to AA a couple years ago. Had some solid wins this year and got their first ever AA playoff win -- but got smoked by Duluth East in the section semifinals on Monday (after losing to them 3-2 in the regular season).
  13. The Hermantown (#1 state ranked) vs Greenway (#3) 7a final was a 2ot classic with edge of your seat action almost the whole game. Great hockey that deserved to be a state tourney game rather than a section final. Greenway goalie was stellar.
  14. so why not SPDW (SPDR® Portfolio World ex-US ETF) in place of VEU? I'm an amateur at this, so I'm just looking at the low fee, and the fact that it tries to track some S&P foreign index.