House Officially Refinanced

We’re a fan of big wins, and refinancing our Mortgage has probably been one of our biggest.  It’ll take about 4 years to recoup the costs of refinancing by what we’re saving monthly but overall the savings are huge.  We’ll be saving over $60k in interest over the course of the loan.

It was a bumpy ride but we learned a lot along the way.  Mostly, that NY sucks and banks are thieves.

  • A Refinance is no different than an original mortgage.  It’s treated exactly the same.  Almost as if your buying the house from yourself and you have to pay all the fees.
  • Monroe County charges a totally unreasonable Mortgage Tax
  • Title insurance doesn’t make any sense.  It’s good for the life of the property but you have to pay it again when you refinance.  No refund, no discount.
  • Banks charge outrageous fees.
    • Loan Origination Fees
    • Commitment Fees
    • Application Fees
  • Bank require you to pay their lawyer fees on top of all the fees they charge you to begin with.

Lots of fun huh?  Good thing it’ll be worth it in the end.

Whitesboro Village Seal

The Whitesboro NY village seal depicts a White man strangling an Indian.  Seriously… I’m not making this up.

When I first saw this, I didn’t believe it.  Sure enough, even the WhitesBoro village website recounts the history of their seal and it’s just as outlandish as I originally thought.

The following is an excerpt from the History of the Village of Whitsboro

In an article of the Observer Dispatch, written by Joe Kelly in 1977, a notice of claim was filed with the Village Board saying the (village) seal depicts a “white man choking an Indian” and said the seal demeans, disgraces and creates prejudice and distrust of Indian people. He asked the Village to stop displaying the seal. As a result of this, the seal was re-designed with Hugh White’s hands being placed on the Indian’s shoulders and not so close to his neck. The wrestling match was an important event in the history of the settling of the Village of Whitesboro and helped foster good relations between White and the Indians.

All well and good right?  Think again.  Take a look at the newly revised seal yourself:

Whitesboro NY Seal

This same seal is what is still displayed today on all village vehicles, letterhead and official documents.  This just seems wrong to me.  I’m not sure how this is still around.

Mets 1 Yankees 0

Friday I drove down to Poughkeepsie to see Charles for his birthday. After arriving we went straight to the city to meet some friends of his and goto the Mets game. The Mets won. The game had nothing to do with the Yankees I just like to taunt Yankee fans. After the game we met up with Sanjay for a lesson in expensive drinking and a place to stay.

Saturday Charles headed back to Poughkeepsie while I headed to the International Car Show with Sanjay. Check out the 2008 Ferrari for a sample. I’ll post a link to the whole gallery once the photo gallery comes back up. After the car show we met my Brother for sushi at Lan and had probably the best sushi I’ve ever had. After dinner my brother and I went to one of NYC’s oldest pubs McSorley’s for some Beers. They only give you two options, Light or Dark McSorley’s and when you order a drink they always give you 2 instead of 1. After that it was time to catch the train back to Poughkeepsie so we said our good byes and headed out.

That’s my trip in a nutshell.