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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
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Old 08-02-2024, 04:38 PM   #13846
Buehler445 Buehler445 is offline
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My LOC I use on my Rental properties is at 8.75% also. It has to renew every year so I get the bullet. They were going to put it at 10.5% this last renewal and I called the President of the bank and said LOOK. I've been with you since 1998, never been late on a payment, had over 30 mortgages , would you at least drop it to my current rate on my rentals at 8.75%, and he said he'd talk to loan committee. They called back an hour later and said that would work. WooHoo , excited about an 8.75% loan victory. LOL

And what's funny is that the loan officer that's been there 20 said she had no idea they were even negotiable. Dumb bitch!
LOCs you're going to have to eat the shit, but a primary? Helllllllll no.
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Old 08-02-2024, 04:40 PM   #13847
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30 years were in the 3’s 4 years ago

If you took an ARM in 2020 then you deserve it
No shit. That's just being dumb. We were at historic lows for YEARS.
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Old 08-02-2024, 04:49 PM   #13848
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Fed is ALWAYS wrong.
They have screwed the pooch this time.
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Old 08-02-2024, 05:25 PM
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Old 08-02-2024, 05:36 PM
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Old 08-02-2024, 05:37 PM   #13849
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Taking an ARM at the time gave me the best interest rate 10 years ago. I'm almost out from under my mortgages completely so timing worked out OK. I got 15 year Mortgages with 5 year ARM's and have paid ahead on everything. 12 more months and I'm debt free. I'm selling a couple properties and will dump about 150K into high yield dividend funds and pull 50% of those divi's to finish paying off my existing debt.
Will you still sell boulders? The world needs boulders.
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Old 08-02-2024, 05:41 PM
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Old 08-02-2024, 05:56 PM   #13850
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Absolutely! Best business ever!
That's all I needed to hear to have a good weekend.
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Old 08-02-2024, 07:59 PM   #13851
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Holy cow. Are you banking with the mob or something?

I had no idea rates were that high.
Rentals are commercial loans. No Fannie/freddie shit.

Quote:
Originally Posted by Hog's Gone Fishin View Post
Taking an ARM at the time gave me the best interest rate 10 years ago. I'm almost out from under my mortgages completely so timing worked out OK. I got 15 year Mortgages with 5 year ARM's and have paid ahead on everything. 12 more months and I'm debt free. I'm selling a couple properties and will dump about 150K into high yield dividend funds and pull 50% of those divi's to finish paying off my existing debt.
I get it on commercial loans. I had to fight like hell to get a fixed 20 on my land purchase in 2019.
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Old 08-04-2024, 07:37 PM   #13852
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Old 08-04-2024, 09:42 PM   #13853
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Nice try, Lew, but I've already got myself scheduled to panic sell Wednesday morning.
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Old 08-04-2024, 09:45 PM   #13854
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Absolutely! Best business ever!
New way to fish?
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Old 08-04-2024, 09:52 PM
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Old 08-04-2024, 09:59 PM   #13855
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Everybody get yer cash ready to buy, buy, buy!
I think I'll sit this one out.
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Old 08-05-2024, 05:04 AM
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Old 08-05-2024, 06:10 AM   #13856
HonestChieffan HonestChieffan is offline
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Will be interesting to see the results but it will scare shit out of people who dont really understand the markets. Just wear a seatbelt for sure
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Old 08-05-2024, 07:40 AM
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Old 08-05-2024, 07:46 AM
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Old 08-05-2024, 07:48 AM
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Old 08-05-2024, 08:54 AM   #13857
ChiliConCarnage ChiliConCarnage is offline
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I looked at 7:30 this morning and was like Not that we hadn't been due for a pullback or correction but we're going down like it's Covid again. I think the VIX was at 50 premarket

We've gotta be down 9-10% on the S&P nearly in a flash? I tried panic buying so I'd have more to panic sell later but Schwab has been offline all morning.
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Old 08-05-2024, 09:02 AM   #13858
Buehler445 Buehler445 is offline
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I looked at 7:30 this morning and was like Not that we hadn't been due for a pullback or correction but we're going down like it's Covid again. I think the VIX was at 50 premarket

We've gotta be down 9-10% on the S&P nearly in a flash? I tried panic buying so I'd have more to panic sell later but Schwab has been offline all morning.
Really? I was going to try and get some in there and get some bought.

Niiiice.
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Old 08-05-2024, 09:09 AM   #13859
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I still can’t get into my Schwab account either. I checked Reddit and sounds like other major retail players like Vanguard and Fidelity are the same.
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Old 08-05-2024, 09:17 AM
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Old 08-05-2024, 09:53 AM   #13860
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I still can’t get into my Schwab account either. I checked Reddit and sounds like other major retail players like Vanguard and Fidelity are the same.
I haven’t had any issues with Fidelity this morning.
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