Kit's Kitty Korner [700!!!!!!!!]

[galled]

Then your payments will never go up if interest rates go up. That's good.

Paying principle is good, but another option (what we did) is to pay a chunk off during a refi to lower interest and payments. This allows us to save money in interest (lower rate) and have more money in the bank (lower payment). There's a point when it makes more sense to keep paying your mortgage and have more money in your bank account than to pay it back sooner. It all depends on your income to expenses.

Yeah, winning the lottery would be nice! But you might be better off investing (getting interest on your winnings) than paying off your mortgage. A lot of depends there.

But it's nice to dream!

[Kitalpha Hart]

Ye

Personally I'd rather pay of the mortgage sooner so all that's left is the escrow. 100k mortgage, even 25k would cut off the better part of a decade. Hell, win a big enough one even after taxes pay off in full
And since I'm in range of the local theme park, a lot of those taxes are covered by them so I pay even less than most. Iirc the park covers property taxes with their revenue

[Lemon Cheesecake]

Oh wow, that is a win to have taxes reduced by the theme park. Hopefully it doesn't close down!

Lego Poinsettia alert: Costco is selling a poinsettia & Christmas tree bundle.

[Kitalpha Hart]

It's the largest (only) one in the area
Plus Six Flags owns it again so even with the stupid high prices and no cash rule they now have, I really doubt it. We get a lot of Canadians there too, so back when I worked there we could accept their tender, but the conversion rate was set at the beginning of the year, which threw the Canadians through a loop as smartphones became more common.
"According to the conversion rate I should have gotten five dollars and seventy-three cents back."
"According to the rate the park set at the beginning of the year, you're getting three dollars and two cents."
Really fun when they paid in Canadian and they want Canadian back. "You're in the States."
There was one girl who had a ten YEN coin on her. I had euros in my wallet at the time (mom's been to Europe and few times, which is how I got the coins), so we got to check out each other's coins. That was fun

Yeah they're out properly now. I got the Lego tree. Don't have the wreath yet, but depending on what it looks like I may or may not want it

[Lemon Cheesecake]

The kit at Costco is $79.99 - I wouldn't know it is the newer poinsettia or not. It has a tan weave basket look vase, looks like the size of a coffee mug.

I like looking at coins from other countries but get annoyed when they try to pawn them off as valid currency in the States as my cash drawer doesn't balance out if I inadvertently accept them, I am still liable. Often it is an innocent mistake, say they just got back from a trip.

[Kitalpha Hart]

Yeah if it's three flowers, black box, part of the botanical collection, it's new

[Lemon Cheesecake]

either way the Christmas floral lego's look cool ... never paid attention to them before so appreciate you mentioning them.

[Kitalpha Hart]

They aren't cheap though. I've got many other sets that are expensive as well
Oh well

[Lemon Cheesecake]

Lego's are never cheap.

The costco lego christmas kit costs $79.99, more than what I would pay but sometimes there are sales that make it worth waiting for ... I don't have to have/be the first ...I am ok with waiting (the only problem is if it is only available temporarily).

[Kitalpha Hart]

I've got kits here that are over $100. Iirc the typewriter that I got for my ex was over $200 he was absolutely flabbergasted that I got it for him
And those aren't even the most expensive kits they have

[Gingerale]

ouch!

I never knew there were so many Lego options.

[galled]

I saw there was a place that sold Lego kits that had dented boxes etc at steep discounts. So over-priced!

[Kitalpha Hart]

Walmart has one dedicated aisle
Target has two
I go about an hour east and there's a Lego store
There's a lot

[Lemon Cheesecake]

With no kids to buy for I haven't made a trip down the toy aisle in a long time... now I am curious to check it out.

Daylight hours are definitely getting shorter & nights chillier, hope you got your fireplace ready.

[Kitalpha Hart]

Considering the collections series, they're not for kids. There's collections for kids, but kids aren't likely to be interested in the Lego Atari. Or the muscle cars. Or SNES. Or the landmarks

Still waiting for chimney guy