Fixed or Variable-Rate Mortgage… the analysis.

I’ve been searching for information on mortgages, particularly wondering if fixed or variable mortgages were better for me. A lot of sites referenced Mortgage Financing: Floating Your Way to Prosperity (2001) which is from the Individual Finance and Insurance Decisions Centre. This turns out to be at University of Toronto, so I searched about and found two more recent papers: Mortgage Financing: Should You Still Float? Four Answers (2004) and Mortgage Financing 2007:
What Now?. I’m going through all three papers, but the basic consensus is that it is cheaper the vast majority of the time to go with a variable rate (the first article says 88% of the time, and it is very analytic). I don’t mind doing what people say, but I have to understand it… as much as I can.

Google: 500 INTERNAL_SERVER_ERROR

When i went to Picasa today to see how it works, I got this wonderful picture staring back at me. Not something you often get with Google.

Wiimote repurposed for multi-point interactive whiteboard - Engadget

One of my students in CS8932 sent me this link: Wiimote repurposed for multi-point interactive whiteboard

We’d been talking a bout the use of whiteboards in schools now, and with this ‘hack’ anyone can have a digital whiteboard for a fraction of the cost using a data projector and a Wii controller. Johnny’s included the software on his page and http://www.wiimoteproject.com/. I’m going to see if I can make up one of the pens.

Canadian iPhone: Consumer Revolt against Rogers tariffs - The Unofficial Apple Weblog (TUAW)

Canadian iPhone: Consumer Revolt against Rogers tariffs - The Unofficial Apple Weblog (TUAW)

When Rogers/Fido announced the iPhone voice/data plans a few days ago, the proposed rates were not received warmly. Over ten thousand people are letting their eDispleasure be heard on the “Rogers iPhone3G == Ruined” protest website.

See http://www.ruinediphone.com/sign.php