So if you make a full price offer, but with five percent in seller-paid closing costs, you get this: 1  $10,000 down payment. 2  No closing costs. 3  There is an extra two percent in concessions. That gets you a 3.375 percent interest rate. 4  Your principal and interest payment at 3.25 percent is $827.
Tracking Your Most Fertile Days. Generally, the highest chance of pregnancy is when sex happens1-2 days before ovulation. If you have a regular 28-day cycle, count back 14 days from when you expect your next period to start. Plan on having sex every other day around that time -- say, days 12 and 14.
Ovulation normally occurs 24 to 36 hours after the LH surge, which is why the LH surge is a good predictor for peak fertility. The egg can only be fertilised for up to 24 hours after ovulation. If it isnât fertilised the lining of the womb is shed (the egg is lost with it) and your period begins. This marks the start of the next menstrual cycle. While an egg only survives for up to 24 hours, sperm can remain active for up to five days.