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.
There is something known as midcycle/ovulatory bleeding, where after the egg follicle burst some (brownish=old) blood spot(s) could be noticed inside your pants, and be mistaken for a slight period. If you had unprotected sex the day before you certainly could have gotten pregnant. The 12 days before menstruation starts you would not get pregnant by having unprotected sex since ovulation is 14 days before and your fertile period is about 120 hours before and 24-48 hours after ovulation. Things are a bit different if your menstrual cycle is very short and your period extended.