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How to correctly calculate break even time on a refinance – For Math Geeks

After my last post on refinancing, I found a refinance calculator on Zillow.com that compared loans the way I suggested. It has a shortfall though, it calculates break even time with the difference in your new payment compared to the difference in your old payment. This is actually quite incorrect. That number is good to show you how much money you’ll have extra in your bank account each month if you are making only the minimum payment. What if you pay extra on the mortgage though? In order to make almost any refinance the most beneficial, you need to pay extra on the new mortgage so that it doesn’t take as long as the new term of the loan to actually pay off the mortgage. i.e., you should at least pay what you were paying on your old mortgage.

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Should I refinance my house?

OK, disclaimer: I’m not a financial professional. That said, I do enjoy financial topics and am somewhat of a hobbyist. I’ve written articles in the past about how I do envelope budgeting with Gnucash for instance. That said, I’ve been thinking a lot on these interest rates lately and thought I’d write down a few thoughts.

Anyway, if you haven’t noticed, long term interest rates are quite low. At time of writing, my local credit union is offering 30 year mortgages at 4% and 15 years for 3.25%. Naturally, I got an email from the broker we worked with last time we refinanced saying we might be interested in another refinance. I figured lots of other people are in a similar type of situation so I thought I’d write down a few tips.

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Upgrading Software

I can never resist. When a new version is available I have to have it. Upgrade to WordPress 3.3 was seamless. Devils is always in the details though. I’ll probably find a post or a plugin that doesn’t work the same way.

Oh well, I’m on the latest and greatest right?!

Rendering to a texture with iOS 5 texture cache api.

There are a couple examples of how to take image input, perhaps from the iPhone camera, or from your own image, fast map those image to an OpenGl texture, and then render them with an OpenGL shader. This post is for those of you who don’t necessarily want to render the image on the screen, but want to perform some OpenGL operations and then read the image back out. Luckily, the same API that allows you to map the images to textures, also allows you to read data back out from the textures without having to use glReadPixels(…) or some other method that takes a long time. Here’s how it’s done…

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How to fix that mistake commit you just pushed to your git repository

I’ve already written a time or two how you can use git rebase to change your commit history as you work. Handy handy.. I think everyone should know how to do that.

Next up.. what if you pushed a commit and realize it’s not so great. First of all, everyone discourages this of course. The encouraged way is to just make another commit that fixes what you want different. We all want to break that rule every now and then though. Here’s how…
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Changing server ip addresses

OK, so I changed my virtual server ip address in response to my host being allocated a new block of IPs. Anyhow, things seem to have gone ok. I changed DNS timeouts to short, waited, updated everything etc etc… Of course, it seems that there are always some DNS servers here and there that don’t quite play by the rules. That and I don’t directly control my secondary name server. Hopefully nobody experiences too much down time.



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