10-27-2011, 11:30 AM
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I get this question a lot from my clients: Does refinancing makes sense if you have had your loan for a while and refinance into a new loan with a 30 year term?
The answer is yes, if you can lower your rate and pay little or no non recurring closing costs (we call that a "no cost" loan). Increasing your loan term is a non issue because you don’t have to pay your new loan off in 30 years, you can pay it off in 25 or 20 years, or whatever the heck time period you like. Here are the numbers:
Let’s say you got your original mortgage for $300,000 @ 5.5%, with a monthly payment of $1712, and you’ve had it for 10 years. Your balance now is $248,862 and you have 20 years (240 payments) remaining. If you refinance into a 30 year loan @ 4.5% @ no cost, your new payment is $1267, but instead of paying $1267 per month you continue to make your old payment of $1712. This pays your loan off in 17.66 years (instead of 20 years, which you would have had to pay with your old mortgage), saving you $47,936.
The real key is not paying closing costs: If you can lower your rate and pay little or no non-recurring closing costs, then you will almost always save money by refinancing.
Last edited by dave bacon; 10-27-2011 at 11:32 AM ..
Reason: punctuation
10-27-2011, 12:30 PM
Location: SW Austin & Wimberley
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Quote:
Originally Posted by
dave bacon
.. This pays your loan off in 17.66 years (instead of 20 years, which you would have had to pay with your old mortgage), saving you $47,936.
No, because you're including principle paydown in the $47,936. The principle paydown portion of a monthly mortgage payment is not money spent, as it goes straight into equity and net worth, so in the above example, $47,936 has not been "saved". You'd have to break out the interest only portion to determine the savings.
But nevertheless, I think it makes sense mathematically to refinance in a lot of different case study scenarios, but these math equations assume the
average American Consumer to be a rational person of prudent financial disposition. The opposite is in fact true.
For example, in the above refi, instead of reinvesting the "saved" $445/mo, the typical American Consumer, thinking with "monthly payment" mentality, thinks they are now simply "$445/mo. richer" and they immediately look for a way to spend that extra discretionary monthly amount. Will they invest in index funds or college savings? No, they'll buy a a depreciating asset such as a new car, new furniture, or a new boat because now, in their mind, they can "afford" the $400/mo payment with the "extra" money they now have after the refi.
Along with the new boat comes the additional costs of owning and operating a boat, which far exceed remaining $45/mo left over from mortgage payment reduction. 5 years later when they finally try to get rid of the money pit called a boat, they are worse off then if they had never refinanced. I think this is the sort of thing my accountant was talking about when he says most people are better off leaving their loans alone.
Steve
Last edited by austin-steve; 10-27-2011 at 12:31 PM ..
Reason: typo
10-27-2011, 12:59 PM
Location: Austin, TX
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Quote:
Originally Posted by
Trainwreck20
With property taxes and sales taxes deductible, though, you blow through that standard deduction pretty quick...on an expensive house (with high property taxes) you really do get to deduct all the interest costs.
That is a psychological factor, not a money factor. You sum up all the money you pay over the term (including refi fees), subtract the deductions (complicated math, maybe, but you can make a good estimate), and then possibly apply a Time Value of Money factor. Yes, there are a lot of things to consider, but from strictly a total dollars paid out standpoint, it is usually makes economic sense to refinance if you meet some criteria:
- you still owe a significant amount of principle;
- you plan on staying in the house long enough to cover refi costs (at a minimum);
- the interest rate difference is 'worth it'. 1 percent is mentioned above, but it needs to be calculated and can be wildly different.
You mention 'what if I move early?' That is a good point, but as long as you cover the refinance costs, then moving early makes the payoff date totally irrelevant. Adding years to a loan you will never pay off makes the monthly payments king. If you plan on staying until pay off, then the total costs trump.
On the flip side, I doubt most people invest what they save in monthly payments, so I did not include that in the math anywhere, although you can.
Also, there's one other factor that you're not considering:
Filling out the paperwork takes time and you're not considering the opportunity cost of that time, which would be the going rate for your job if you hired out yourself as a consultant. I can't tell you my rate but it's comparable to lawyers rates to give you an idea. It doesn't take long for that to add up quickly when searching for the best rate at the best bank. It simply is not a good use of my time. Not to mention, your credit rating takes a hit each time you fill out an application for a refi. Then there's the stress of it all and the fact that they sell your info so now you'll be getting all the offers from banks in the mail for the next 10 years asking to refinance even after you've done that.
10-27-2011, 01:14 PM
Location: Austin, TX
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Quote:
Filling out the paperwork takes time and you're not considering the opportunity cost of that time, which would be the going rate for your job if you hired out yourself as a consultant. I can't tell you my rate but it's comparable to lawyers rates to give you an idea. It doesn't take long for that to add up quickly when searching for the best rate at the best bank. It simply is not a good use of my time.
I, too, am a 'billable hour' worker. I know my bill rate, but simply saying I should apply that rate to everything in the world is simply misleading. If I do that, I should not mow my lawn, clean my house, shop for my food, cook my own food, get my own mail, etc. (although some of those things I do pay for
). Using that 'lost earnings potential' only applies if you WOULD have been working instead of doing activity 'x'. Also, you only receive some fraction of what your bill rate is - you have to pay taxes, overhead, medical, etc., and rarely does the take home come out to more than 1/2, more likely between 1/4 and 1/3, of the bill rate.
Quote:
Not to mention, your credit rating takes a hit each time you fill out an application for a refi.
I am not sure that is exactly true, I think it has been altered to indicate multiple applications, but in any case, we have never had trouble qualifying for the lowest rate advertised, so I am pretty sure that minor fluctuations in your credit score due to applications really do not matter, unless there are other issues there.
Quote:
Then there's the stress of it all and the fact that they sell your info so now you'll be getting all the offers from banks in the mail for the next 10 years asking to refinance even after you've done that.
Heck, we just have a shredder next to the desk in the office. I would say that all that crap we get would barely notice the additional 'load'. I think I am actually looking forward to the USPS going bankrupt so there won't be cheap junk mail delivery anymore
.
And, personally, I find it very relaxing to go through the process of saving 10s of thousands of dollars
I agree with Steve, though, that lowering your monthly payments just so you can spend it is not a good idea - I have refinanced twice in my life, and once was 30 yr to 30 yr notes, but I did pay in the extra money each month until I sold my house. The second time we went from 30 yr to 15 yr and the payment went up some, but the total cost and time to payoff went way down. Refinancing to have monthly cash flow is akin to taking out a home equity loan for toys.... OTOH, I do have a co-worker that I think refinanced to free up cash to pay for a kids college education, so I guess you can go that route....
10-28-2011, 01:58 PM
Location: Round Rock, TX
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Quote:
Originally Posted by
10scoachrick
Well said...it is certainly not all pure 'dollars paid per month'. Another 'psychological' approach would be to re-fi, continue to budget the same monthly amount to cover the lower payment and apply the difference toward early principle payments. A different sort of 'investment'. (Assuming you don't 'need' the saved monthly amount)
We're under two years into our 15-year mortgage, so it's not like we'd be adding a ton of time to the length of the loan. I can see that some folks would benefit from re-fi-ing a 30-year(say with 20 years to go) into a 15-year to get the lower rate, even though the monthly payment may actually go up(or not, depending on current rate). For some crazy reason, it just appeals to me to foresee a paid-off house
while I'm still alive !
That is exactly what I've been saying in my head reading through this entire thread that I didn't see anyone mention as everyone kept talking about extending the length of the mortgage. We just refinanced our (now rental) property, shaved ~$400 a month off the payment AND went from 30 to 15 years, still paying what we'd always been paying and now our mortgage is set to be paid off much shorter because a much greater percentage of our payment is going to principle instead of interest/PMI. If you're thinking about refinancing and can shoulder the payment you're paying now, then refinance (assuming it's worth it closing cost/retention-wise) and keep the same payment going. The numbers can be amazing when you realize what happens.
10-28-2011, 02:47 PM
Location: Austin, TX
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[quote=Trainwreck20;21462466]I, too, am a 'billable hour' worker. I know my bill rate, but simply saying I should apply that rate to everything in the world is simply misleading. If I do that, I should not mow my lawn, clean my house, shop for my food, cook my own food, get my own mail, etc. (although some of those things I do pay for
). Using that 'lost earnings potential' only applies if you WOULD have been working instead of doing activity 'x'. Also, you only receive some fraction of what your bill rate is - you have to pay taxes, overhead, medical, etc., and rarely does the take home come out to more than 1/2, more likely between 1/4 and 1/3, of the bill rate.
[quote]
When are banks open? Yep, during business hours from 9 am to 3 pm. Guess what, that's when I could be "earning" money. So, that takes out from my billable hours.
From a financial standpoint, it makes more sense to hire out a lawn man, maid, etc... However, if you have joy or fun in mowing the lawn like I do, then it doesn't apply. I do, however, hire out a maid from time to time as I hate cleaning the house.
I, however, do not have fun filling out loan applications, but if you do, more power to you. So, for that activity I have to think about the impact to my income from having spent time on it.
10-28-2011, 03:40 PM
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Quote:
Originally Posted by
cBach
When are banks open? Yep, during business hours from 9 am to 3 pm. Guess what, that's when I could be "earning" money. So, that takes out from my billable hours.
We met with our mortgage refi rep at night, at our home, and finished all paperwork in less than an hour. Never traveled to a bank. It took nothing out of my billable time or work hours, there were no fees associated with the loan, and I can say with 100% confidence that we just saved ourselves a boatload of money.
You don't have to do it at a bank. We have a great rep who does everything with us at night or weekends.
10-28-2011, 09:34 PM
Location: Austin, TX
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Mine wasn't quite that easy....took about half an hour online during lunch, then a follow up fax or two, I think...it has been a while.
11-02-2011, 09:35 PM
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This has been a fascinating thread. Thanks everyone for posting - we've learned a lot. Okay, so what I'm hearing is a traditional refinance for 30 years would be in the low 4’s or, a no cost refinance around 4.6%. Anyone know what a no cost refi means? And do those rates sound decent?
11-02-2011, 10:15 PM
Location: Austin, TX
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'No cost' means they don't charge you any fees to refi, but you do pay a higher interest rates....i.e., you do pay, just not upfront.
Have to shop around to see if those are good rates....
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Most Common Industries - Educational services, and health care and social assistance (%)
Most Common Industries - Educational services (%)
Most Common Industries - Health care and social assistance (%)
Most Common Industries - Arts, entertainment, and recreation, and accommodation and food services (%)
Most Common Industries - Arts, entertainment, and recreation (%)
Most Common Industries - Accommodation and food services (%)
Most Common Industries - Other services, except public administration (%)
Most Common Industries - Public administration (%)
Occupation diversity
Most Common Occupations - Management, business, science, and arts occupations (%)
Most Common Occupations - Management, business, and financial occupations (%)
Most Common Occupations - Management occupations (%)
Most Common Occupations - Business and financial operations occupations (%)
Most Common Occupations - Computer, engineering, and science occupations (%)
Most Common Occupations - Computer and mathematical occupations (%)
Most Common Occupations - Architecture and engineering occupations (%)
Most Common Occupations - Life, physical, and social science occupations (%)
Most Common Occupations - Education, legal, community service, arts, and media occupations (%)
Most Common Occupations - Community and social service occupations (%)
Most Common Occupations - Legal occupations (%)
Most Common Occupations - Education, training, and library occupations (%)
Most Common Occupations - Arts, design, entertainment, sports, and media occupations (%)
Most Common Occupations - Healthcare practitioners and technical occupations (%)
Most Common Occupations - Health diagnosing and treating practitioners and other technical occupations (%)
Most Common Occupations - Health technologists and technicians (%)
Most Common Occupations - Service occupations (%)
Most Common Occupations - Healthcare support occupations (%)
Most Common Occupations - Protective service occupations (%)
Most Common Occupations - Fire fighting and prevention, and other protective service workers including supervisors (%)
Most Common Occupations - Law enforcement workers including supervisors (%)
Most Common Occupations - Food preparation and serving related occupations (%)
Most Common Occupations - Building and grounds cleaning and maintenance occupations (%)
Most Common Occupations - Personal care and service occupations (%)
Most Common Occupations - Sales and office occupations (%)
Most Common Occupations - Sales and related occupations (%)
Most Common Occupations - Office and administrative support occupations (%)
Most Common Occupations - Natural resources, construction, and maintenance occupations (%)
Most Common Occupations - Farming, fishing, and forestry occupations (%)
Most Common Occupations - Construction and extraction occupations (%)
Most Common Occupations - Installation, maintenance, and repair occupations (%)
Most Common Occupations - Production, transportation, and material moving occupations (%)
Most Common Occupations - Production occupations (%)
Most Common Occupations - Transportation occupations (%)
Most Common Occupations - Material moving occupations (%)
People in Group quarters - Institutionalized population (%)
People in Group quarters - Correctional institutions (%)
People in Group quarters - Federal prisons and detention centers (%)
People in Group quarters - Halfway houses (%)
People in Group quarters - Local jails and other confinement facilities (including police lockups) (%)
People in Group quarters - Military disciplinary barracks (%)
People in Group quarters - State prisons (%)
People in Group quarters - Other types of correctional institutions (%)
People in Group quarters - Nursing homes (%)
People in Group quarters - Hospitals/wards, hospices, and schools for the handicapped (%)
People in Group quarters - Hospitals/wards and hospices for chronically ill (%)
People in Group quarters - Hospices or homes for chronically ill (%)
People in Group quarters - Military hospitals or wards for chronically ill (%)
People in Group quarters - Other hospitals or wards for chronically ill (%)
People in Group quarters - Hospitals or wards for drug/alcohol abuse (%)
People in Group quarters - Mental (Psychiatric) hospitals or wards (%)
People in Group quarters - Schools, hospitals, or wards for the mentally retarded (%)
People in Group quarters - Schools, hospitals, or wards for the physically handicapped (%)
People in Group quarters - Institutions for the deaf (%)
People in Group quarters - Institutions for the blind (%)
People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
People in Group quarters - Wards in general hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Wards in military hospitals for patients who have no usual home elsewhere (%)
People in Group quarters - Juvenile institutions (%)
People in Group quarters - Long-term care (%)
People in Group quarters - Homes for abused, dependent, and neglected children (%)
People in Group quarters - Residential treatment centers for emotionally disturbed children (%)
People in Group quarters - Training schools for juvenile delinquents (%)
People in Group quarters - Short-term care, detention or diagnostic centers for delinquent children (%)
People in Group quarters - Type of juvenile institution unknown (%)
People in Group quarters - Noninstitutionalized population (%)
People in Group quarters - College dormitories (includes college quarters off campus) (%)
People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
People in Group quarters - Homes for the mentally ill (%)
People in Group quarters - Homes for the mentally retarded (%)
People in Group quarters - Homes for the physically handicapped (%)
People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
People in Group quarters - Other workers' dormitories (%)
People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)