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Strategies & Market Trends : Booms, Busts, and Recoveries -- Ignore unavailable to you. Want to Upgrade?

To: Seeker of Truth who wrote (35055)	6/15/2003 10:27:07 PM
From: marginmike	Read Replies (1) \| Respond to of 74559

its been closer to 4% for the last 15 years

To: Seeker of Truth who wrote (35055)	6/15/2003 11:34:56 PM
From: TobagoJack	Read Replies (1) \| Respond to of 74559

Hi Malcolm, Greetings to you. I trust you are back from Tokyo by now. That land seems to be able to take quite a bit of punishment for a long time without showing much visible stress other then the day-in-and-night-out equity gyration and, gad, an appreciating currency! I continue to migrate into your neighborhood Message 19034230 :0) Is there anything we ought to be concerned about in Canada? Chugs, Jay

To: Seeker of Truth who wrote (35055)	6/16/2003 8:06:08 AM
From: John Carragher	Read Replies (1) \| Respond to of 74559

I wonder how disposable income is calculated... Mortgage refinance has freed up a great big of disposal income. If I earned a thousand and paid out 500 for mortgage my disposable is $500? or does it stay at $1000 base being income ..? If not then refinance a few more times can bring it down to 1/2 again from two years ago.. greatly increasing disposal income .... now I wonder if this is how the calculations are done or this is outside the numbers... In my case I dropped from $2100 mo. to $700 mo. in the last three years with three refinancing transactions and am again in the process of refinancing. I assume this is what is keeping our economy going. appreciate if you could explain disposable income.