Can I refi my car or should I wait? Home buying in Dec.

Wanted to get everyones thoughts on this. Would it be wise to refinance my vehicle now, like on Monday, if I am planning to buy a house in December? Im currently in my vehicle at a rate of 14% and can get the refi done for about 3%. Thats a large savings over the term of the loan and would decrease my monthly payments freeing up some cash to afford a little larger mortgage payment. How would that be viewed by the mortgage lender? I know obtaining new credit prior to buying a home is a no no. But if it saves money over the long term and increases monthly cash flow to get more home is it a justifiable move? I will probably start the pre-qual process for the home in mid October hoping to close on something before the year ends. Feedback is appreciated.

Refinancing your vehicle is a good move for your DTI and a good financial move. It may or may not affect your FICO much, but it will be better for you in both the short run and the long run. I say go for it. You will probably have to write a letter of explanation for the refi inq but just explain exactly what you have here - better loan with better terms.

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Should I wait to buy a new Macbook?

Should I wait to buy a a new Macbook until the Mountain Lion Software comes out?

I wouldn't wait - you are eligible to get Mountain Lion download free if you buy a new MacBook now, and it'll tkae Apple a few days (longer if not purchased directly from the Apple Store) to update the image. You aren't missing anything placing the order now.

Should I wait to buy a Macbook?

I have read so many great things about the Mac. I've read superb reviews from sites like Cnet and PCMag. Now that I looked into wireless networking with the Mac, I am thinking about waiting to buy one. I have read a few posts about crashes and kernels when running wireless on the Mac because of update 10.4.10. Has there been a patch for this problem? Also, I already have my wireless setup on my PC. I have a Linksys WRT54G router with a Motorola Surfboard SB5101. If I buy a Mac, would I have to reinstall the router software on it? Thanks for the help...
Message was edited by: SlickNick 94

Like most things in life, it depends...
I bought a 1.83 GHz core2 duo Macbook in July 2007. For the most part, the Macbook is a very nicely designed and manufactured machine.
High points: nice keyboard, magsafe power connector, long battery life when running OSX, ability to run Windows XP or Vista natively, iLife software suite.
Low points: WiFi disconnects in OSX 10.4.10, lackluster LG/Philips LCD has a relatively narrow viewing angle and "only" 262,000 (18 bits) of color resolution. No PC-X or PCMCIA card slot.
I guess I'm biased because I bought a Macbook. I tend to run Vista on it more than OSX due to the WiFi issues in OSX (WiFi is OK in Vista). More importantly, I can run the current release of MS-Office in Vista. The Macbook is nice in that I can run either OS without 3rd party software or goofy emulators. I love tinkering with Garage Band in OSX for recreation. If you are planning to run Vista, upgrade to 2G of memory. The Macbook is nice for doing presentations, but you'll need a VGA or DVI pigtail adapter, each of which is a $20 accessory. Apple should've put a standard VGA socket on the Macbook, as VGA cords are the de facto video port in most every conference room.
The main reason you might want to delay purchase would be to have Leopard pre-installed or at least qualify for a low cost Leopard upgrade.
Bill

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You cannot upgrade to Lion for free...the cost is low, though. Only $30 (US). That will get you more than just iCloud, there are other features as well.
Apple has announced some of the features of Mountain Lion on the website, are those features imporant to you? If you can live without iCloud until ML is released, date of which has not been announced, then the decision to buy now or wait is up to you. If you can make good use of iCloud now, then why wait?

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Hi there,
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I am getting a part-time job soon and want to buy the ZEN Micro, but the ZEN Micro Photo is coming out in Summer 2005, and that looks good, so should I get the ZEN Micro or wait for the Colour screen version?
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I was in the same situation as you, wanting a Zen Micro but wondered if I should wait till the Zen Micro Photo came out. I decided that I didn't need the colour screen to show people photos and just wanted a small portable music player so I went with a Black Zen Micro and I am very happy that I did

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DVD-Audio<
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<
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larryl wrote:
I'm switching to VISTA and looking to get an X-FI Fatalty. Should I wait for Creative to produce a new VISTA compatible card or will new driver updates resolve all the outstanding issues?Known issues:
This driver does not support the following:
Decoding of Dolby? Digital and DTS? signals<
DVD-Audio<
DirectSound?-based EAX games<
6. speaker mode.<
<
SPDIF passthrough is supported on Vista 32-bit only.<
Applications from the original Sound Blaster X-Fi CD will not work with this download.<
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Well, you've pretty much figured out the issues.
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Welcome to Apple Discussions!
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"2. Submissions
Search or browse for existing answers before you ask a question. Someone else may have asked your question — it may save you some time.
Stay on topic. Apple's discussion forums are here to help people use Apple products and technologies more effectively. Unless otherwise noted, don't add Submissions about nontechnical topics, including:
That Apple rumor you saw on another website.
Discussions of Apple policies or procedures.
Speculations/rumors about unannounced products.
The status of your 1973 MG Midget restoration."
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Leopard has many nice features, but there is one thing to know about Macs, and that is no Mac can have an operating system installed that is older than it is. If you hold off till Leopard is released, you'll also have to hold off till all the Mac OS X native software has caught up and is also Leopard compatible. Chances are more will be, but you never with items that modify system appearance and other features that are non-standard. Sure you could run Windows on that Mac until then, but why, when you have perfectly good working operating system, available now with known working software packages.
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10.2 to 10.2.8
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8.5 to 8.6
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Maybe you should get yer wife a V2 and keep the V1.
Are you saying he should get a new wife just to upgrade his iPhone? Or get a new wife for his existing wife? Depending on how much he likes his current wife, it may be simpler (and cheaper, frankly), simply to upgrade the phone and not the wife.
G5 Quad + Logic 7.2.3 + FireFace 800 Mac OS X (10.4.10)

Should I wait to buy? (Antennagate)

Hello,
I have been considering this for a while and I finally decided I want to buy an iphone. The problem is that I don't know if I should wait for apple to physically fix the antenna problem or just buy it now. I know that if I where to buy it today and Apple were to release the iphone 4b shortly after then I'd be pretty ticked off.
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Should I wait to buy an ipod or just say forget it and do it.

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Should I wait to buy a MacBook Pro until Mountain Lion comes out?

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Upgrading will not cause any data to be lost. If you are concerned about data loss, you may consider backing up to an external drive. You should probably be doing that anyway, since hard drives can fail at any time . In case you didn't already know, Macs purchased in between June 11th 2012 and the day of Mountain Lion's release qualify for a FREE Mountain Lion upgrade. Anyway, I would not worry about data loss.

Should I wait to buy my iMac when apple upgrades it to support 802.11ac Wi-Fi ?

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Well, it is reasonable to expect that, yes, the other hardware will get upgraded to ac as it gets updated. As to when any particular model line will get updated, that is anybody's guess. Nobody has any idea how long you may have to wait for that one particular feature. Only you can decide if you are better off waiting or getting what you need now.
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Can I refi my car or should I wait? Home buying in Dec.

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