Buy Down Points Mortgage -
: Using your last bit of cash for points instead of keeping it as an emergency fund can be risky. How to Calculate the Break-Even Point
: In 2025 and 2026, with elevated rates, securing even a slightly lower rate can lead to massive interest savings over 15 to 30 years. buy down points mortgage
: Find the difference between the monthly payment at the higher rate and the lower rate. : Using your last bit of cash for
: If you plan to sell the home or refinance within a few years, you likely won't reach the break-even point, meaning you’ve wasted the upfront fee. with elevated rates |
: Using your last bit of cash for points instead of keeping it as an emergency fund can be risky. How to Calculate the Break-Even Point
: In 2025 and 2026, with elevated rates, securing even a slightly lower rate can lead to massive interest savings over 15 to 30 years.
: Find the difference between the monthly payment at the higher rate and the lower rate.
: If you plan to sell the home or refinance within a few years, you likely won't reach the break-even point, meaning you’ve wasted the upfront fee. |
Price:
$44.35 (USD) includes free global shipping.
buy
it now
A
2-8-0 CONSOLIDATION GETS READY TO HELP ANOTHER
FREIGHT TRAIN OUT OF COLFAX, CA
Here
is what we included:
|
 90
miles of extreem mountain railroading
  between West Colfax and East
Truckee   on the Roseville Subdivison.
50s era.
Accurate
scenery over the entire route, Â Â including
heavy snow and shed scenery   between
Emigrant Gap and Norden.
Small
portion of the Tahoe Branch.
Distant
Mountains and Custom Ground   Textures
using Demex and Mosaic.
Custom
interactive route objects.
|
18
activities covering SP's passenger,
   freight, and helper operations.
Set    during the steam
and diesel    transition era.
To
see the activity work orders
  CLICK
HERE
Donner
Pass Manual.
Route Map suitable
for printing.
Activity
Developer Notes and Rolling   Stock
List for advanced MSTS users.
|
THE
TRUCKEE LOCAL HEADS OUT ON THE TAHOE BRANCH
CONSOLIDATION
NIGHT CABVIEW |
CONSOLIDATION
DAY CABVIEW |
Price:
$44.35 (USD) includes free global shipping.
buy
it now
CONSOLIDATIONS
AND MALLETS WAITING IN TRUCKEE FOR THEIR TURN
UP THE HILL
|
7
SP 2-8-0 Consolidations with Custom   Sounds
and Day and Night Cabviews - Â Â Snow
Versions Included
6
New SP Baldwin AC-10, AC-11, and   AC12 Cabforwards
(Mallets) with
  Custom Sounds and Day and Night
  Cabviews - Snow Versions Included
SP
Flangers, and Spreaders
|
F7
DAY CABVIEW
7
New SP Bloody Nose and Black widow    FP7s,
and F7s with
Custom Sounds and    Day Cabview
- Snow Versions Included
|
Price:
$44.35 (USD) includes free global shipping.
buy
it now
AC
CAB FORWARD NIGHT CABVIEW |
AC
CAB FORWARD DAY CABVIEW |
SP
4242 SLOWS DOWN TO PICK UP ITS TRAIN ORDERS AT
NORDEN
|
C-30-4
INTERIOR VIEW
2
C-30-4 Baywindow Cabooses With   Custom
Interiors
12
40ft Box Cars
12
40ft Reefer Cars
3
36ft Single Dome Tank Cars
3
Gondola Cars With
Scrap and Gravel   Loads
3
SP Gray/Black Heavy Weight    Passenger
Cars
2
Cattle Stock Cars
11
Flat Cars With Lumber, Â Â Tractors,
   M4 Tanks, and LCVP Loads
4
MoW Flat Cars With Loads
|
C-40-3
INTERIOR VIEW
1
C-40-3 Cupola Caboose With
  Custom Interiors
C-50-9
BAYWINDOW VIEW
2
C-50-9 Baywindow Cabooses With   Custom
Interiors
6
Log Spline Cars With Loads
8
USRA Hopper Cars
|
Price:
$44.35 (USD) includes free global shipping.
buy
it now
AN
EARLY MORNING MOW TRAIN HEADS TOWARDS MIDAS IN
THE WINTER
Price:
$44.35 (USD) includes free global shipping.
buy
it now
We
assure you, this is one of our best routes out
so far, and one that you will not want to miss
out on.
SP
6272 EAST LEAVES NORDEN AND STARTS ITS DESCENT
DOWN THE EASTERN SIDE OF THE SIERRAS
Price:
$44.35 (USD) includes free global shipping.
buy
it now
|
