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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 11-22-2016, 09:12 PM   #481
hometeam hometeam is offline
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Originally Posted by Amnorix View Post
DaFace's post says it all in terms of the priority list. Get that CC paid off asap.

Once you pay off the CC and have started the matching 401(k), etc. what you would REALLY like to do is refinance the house and NOT pay PMI. This requires that you have paid down 20% of the house based on valuation. PMI is money out of your pocket solely for the benefit of the bank and is COMPLETELY BAD.

Here are your numbers:



So, what you're looking to do is (1) be certain it's worth $85K, and (2) cobble together $17K so you can refinance to get a loan for $68K at a LOWER interest rate and NO PMI.

That will save you quite alot every month. Based on your numbers, you already have $7K of that $17K, so you need $10K more to make it happen.
I am going to do this. I just switched jobs, so I want to get some time under my belt so I have something to show than a couple stubs, refi is high on my list.
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Old 11-22-2016, 09:17 PM   #482
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My understanding is that a credit rating isn't about your net worth or your ability to pay so much as it is your actual history of paying. A person with debt who pays on it unerringly is perceived as a very positive risk, even better than a person without debt who doesn't have a record of unerring payment.
This is it.

Banks knows I will pay. I havent missed a payment since I first took out a 500 limit card when I was 18. I have racked up and payed off tens of high dollar loans, and am way down from my total credit limits.

800+ credit vs 750 doesnt really mean anything when you look at the whole picture. The whole picture shows I pay, and they can make interest off me. They want to give me money.

Beyond that, my plan is to have my emergency fund in place by jan 1. I went ahead and did 6% on my 401k at the new job, but I dont get a match until 1 year, and im not vested until 5 :/

I have already been offered a raise at my new job, as I have taken on even more responsibilities than we initially thought, once we got into the heart of things and found out wtf was happening here behind the scenes. That raise goes into effect Jan 1 also.
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Old 11-22-2016, 10:30 PM   #483
Buehler445 Buehler445 is offline
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Originally Posted by hometeam View Post
I am going to do this. I just switched jobs, so I want to get some time under my belt so I have something to show than a couple stubs, refi is high on my list.
Didn't you used to sell cars?

What are you doing now?
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Old 11-23-2016, 12:04 AM   #484
Abba-Dabba Abba-Dabba is offline
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What do people think about a call option for KR at 35 on Jan 20?
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Old 11-24-2016, 02:47 AM   #485
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Didn't you used to sell cars?

What are you doing now?
Im in the same industry. I took a management position as the head of the internet department (to put it loosely, but I wear many hats) for a 4 store dealership complex here in town. Officially I am the 'Internet Sales Director'.

Why, want to buy a car?
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Old 11-24-2016, 08:30 AM   #486
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Does it sound like a plan?
Real estate seems a more reliable investment in a long term as it is not affected by economic turmoil as much as stock markets. So you find somewhere in Barcelona apartments for sale since this city is crazily popular with tourists, buy it and rent it out on short term lease. Short term rentals promise decent returns - about 5-7% yields. Hiring a management company helps to avoid problems with finding new tenants. Its service costs 20−25% of the total rental revenue but the expenses will be rewarded with higher occupancy rates. Voila! You are rich (but maybe just after 15 years)
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Old 11-24-2016, 08:43 AM   #487
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PMI is a federal thing IIRC. Your house probably appreciated since you bought it and got you over the threshold. Credit score might have something to do with it but I'd bet the appraisal was what triggered it.
We discussed it before the house was appraised. It was one of the primary reasons we went forward with our refinancing.
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Old 11-24-2016, 12:00 PM   #488
Buehler445 Buehler445 is offline
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Originally Posted by hometeam View Post
Im in the same industry. I took a management position as the head of the internet department (to put it loosely, but I wear many hats) for a 4 store dealership complex here in town. Officially I am the 'Internet Sales Director'.

Why, want to buy a car?
Probably not for the money you'd need.
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Old 11-24-2016, 04:21 PM   #489
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I just took massive action and signed up for reddit personal finance. It's that kind of massive action and desire and reading think and grow rich is why I am rich and wealthy.
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Old 11-27-2016, 06:44 PM   #490
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Just 52% of Americans have more savings than credit card debt, according to a new survey released by Bankrate.com.


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Old 12-07-2016, 12:24 AM   #491
Abba-Dabba Abba-Dabba is offline
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USO Dec 16 10.5 Put

It was cheap. And interesting. Was worth it just for giggles.
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Old 12-07-2016, 01:31 AM   #492
Buehler445 Buehler445 is offline
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USO Dec 16 10.5 Put

It was cheap. And interesting. Was worth it just for giggles.
OK... color me confused. Why? The reason it's cheap is it is about to go off the board and it is out of the money.

What are you after here?
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Old 12-07-2016, 02:13 AM   #493
Abba-Dabba Abba-Dabba is offline
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OK... color me confused. Why? The reason it's cheap is it is about to go off the board and it is out of the money.

What are you after here?
I am after nothing. It was .07. Throwing $70 bucks on 10 contracts was just for giggles.

Have some calls at 22.5 on BAC expiring next week. Do you think the rate hike could work in my favor?
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Old 12-07-2016, 08:33 AM   #494
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I am after nothing. It was .07. Throwing $70 bucks on 10 contracts was just for giggles.

Have some calls at 22.5 on BAC expiring next week. Do you think the rate hike could work in my favor?
I don't honestly have any idea. I've never traded an option on stocks. I've only traded them in commodity futures, and you damn sure want to be out of them come first notice day. In the futures, they can run guys that have positions that don't want to deliver the product.
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Old 12-07-2016, 09:12 AM   #495
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I don't honestly have any idea. I've never traded an option on stocks. I've only traded them in commodity futures, and you damn sure want to be out of them come first notice day. In the futures, they can run guys that have positions that don't want to deliver the product.
I've made money on USO in the past. It is so cheap, even if I lose $70. So what.

Best recently was buying 10.5 calls at .09 and selling at .84.
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