Home Discord Chat
Go Back   ChiefsPlanet > Nzoner's Game Room
Reload this Page Money Investing megathread extravaganza
Register FAQDonate Members List Calendar

Reply
Page 496 of 941 « First 396446486492493494495 496 497498499500506546596 Last »
 
Thread Tools Display Modes
Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
Kind of a mod
 
DaFace's Avatar
 
Join Date: Aug 2005
Location: Donkey Land
Casino cash: $156899
Investing megathread extravaganza
A place to talk about investing stuff.
Last edited by DaFace; 02-19-2021 at 06:35 PM..
Posts: 52,519
DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.DaFace is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 02:38 PM   #7426
Buehler445 Buehler445 is online now
Supporter
 
Buehler445's Avatar
 

Join Date: Apr 2007
Location: Scott City KS
Casino cash: $444734
Quote:
Originally Posted by Pointer19 View Post
"Time in the market is more important than timing the market."

I understand this, but I keep holding most of my cash and waiting for that next recession. Should've bought more last March.
At your age just set up an investment account of your choice, Roth is a good bet if you won’t need the money and set up an automatic deposit, and allocate it once a year.

You’re good man. These guys talking individual stocks are like betting the line on the NBA. Don’t do it with real money.
Posts: 58,018
Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.Buehler445 is obviously part of the inner Circle.
 Thumbs Up 1 Thumbs Down 0     Reply With Quote
Old 02-18-2021, 02:39 PM   #7427
Mr. Wizard Mr. Wizard is offline
"I'm with you fellers"
 
Mr. Wizard's Avatar
 

Join Date: Oct 2008
Casino cash: $4615490
Quote:
Originally Posted by Hammock Parties View Post
OK, gonna buy something here today.

ZOM, SNDL or NGA?
Barchart says ZOM by a mile both short and long term, SNDL short term, NGA no way
__________________
"I'm with you fellers"
Posts: 742
Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.Mr. Wizard would the whole thing.
     Reply With Quote
Old 02-18-2021, 02:43 PM   #7428
Hog's Gone Fishin Hog's Gone Fishin is offline
Fish are scared of me
 
Hog's Gone Fishin's Avatar
 

Join Date: Nov 2001
Casino cash: $-39523
Quote:
Originally Posted by MTG#10 View Post
100% disagree, but still interested in your reasoning.
He has the gut instinct of a GOD. He doesn't need reasoning.
Posts: 40,648
Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 02:47 PM   #7429
Hammock Parties Hammock Parties is offline
I'll be back.
 
Hammock Parties's Avatar
 

Join Date: Nov 2002
Casino cash: $2840478
Quote:
Originally Posted by MTG#10 View Post
100% disagree, but still interested in your reasoning.
some guy on CP recommended it
__________________
Chiefs game films
Posts: 288,127
Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 02:48 PM   #7430
TinyEvel TinyEvel is offline
Just a li'l Evel
 
TinyEvel's Avatar
 

Join Date: Sep 2005
Location: Bald. Goatee. Jorts.
Casino cash: $3799601
Quote:
Originally Posted by Hog's Gone Fishin View Post
So the bottom line is a 30 year loan is a 30 year loan unless you have the ability to pay it in full at some point. I've never seen this discussed or explained , EVER . And I've read tons of books and info.

So , In hindsight the problem lies in having a 5yr ARM instead of a fixed loan for the whole term it appears.
So what you are saying is, even if you make extra principle payments over the years, it doesn't move up the end date of your loan, it just adjusts the remaining balance of principle/interest over the existing 30 years of payments.

Loans are all designed to screw the borrower. The same way that its all heavy interest to Principle ratio that declines slowly. even if you pay it off entirely in one chunk sum at the midpoint, the bank gets like 70 percent of the principle total established at the onset.
Posts: 11,998
TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 02:58 PM   #7431
Hog's Gone Fishin Hog's Gone Fishin is offline
Fish are scared of me
 
Hog's Gone Fishin's Avatar
 

Join Date: Nov 2001
Casino cash: $-39523
Quote:
Originally Posted by TinyEvel View Post
So what you are saying is, even if you make extra principle payments over the years, it doesn't move up the end date of your loan, it just adjusts the remaining balance of principle/interest over the existing 30 years of payments.

Loans are all designed to screw the borrower. The same way that its all heavy interest to Principle ratio that declines slowly. even if you pay it off entirely in one chunk sum at the midpoint, the bank gets like 70 percent of the principle total established at the onset.
YES,YES! I guess if you have a 30 year fixed you will benefit but if you have the ARM and quit making additional principal after it adjusts you've just wasted time and money.

I always thought with an ARM the only thing that adjusts is the interest rate. Not so.
Posts: 40,648
Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:04 PM   #7432
TinyEvel TinyEvel is offline
Just a li'l Evel
 
TinyEvel's Avatar
 

Join Date: Sep 2005
Location: Bald. Goatee. Jorts.
Casino cash: $3799601
The couple of Times we've done an ARM we've always planned to (and did) either sell the home or re-fi to a fixed before the ARM takes place. But the re-fi only makes sense after a couple of years (to cover the new closing costs/fees) and even then its not as smart as your broker says it is. You still waste money there.

This year there were no lenders giving fixed 30 year loans above $770K (or jumbo loans) which is the loan you need to get in California (places like LA and SF and surrounding areas) since most 3 bedroom homes are 1.1 - 1.5 million.
Posts: 11,998
TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:06 PM   #7433
MTG#10 MTG#10 is offline
Mammoth penis
 
MTG#10's Avatar
 

Join Date: May 2006
Location: Springfield
Casino cash: $7254386
Quote:
Originally Posted by Hammock Parties View Post
some guy on CP recommended it
But their CEO's name is Dong
Posts: 11,434
MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:08 PM   #7434
TinyEvel TinyEvel is offline
Just a li'l Evel
 
TinyEvel's Avatar
 

Join Date: Sep 2005
Location: Bald. Goatee. Jorts.
Casino cash: $3799601
PLUG down to $50. Hold, sell, or buy more?
Posts: 11,998
TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.TinyEvel is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:09 PM   #7435
Hammock Parties Hammock Parties is offline
I'll be back.
 
Hammock Parties's Avatar
 

Join Date: Nov 2002
Casino cash: $2840478
EBON down 2% after hours

bullet dodged!
__________________
Chiefs game films
Posts: 288,127
Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.Hammock Parties is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:11 PM   #7436
Hog's Gone Fishin Hog's Gone Fishin is offline
Fish are scared of me
 
Hog's Gone Fishin's Avatar
 

Join Date: Nov 2001
Casino cash: $-39523
Quote:
Originally Posted by TinyEvel View Post
The couple of Times we've done an ARM we've always planned to (and did) either sell the home or re-fi to a fixed before the ARM takes place. But the re-fi only makes sense after a couple of years (to cover the new closing costs/fees) and even then its not as smart as your broker says it is. You still waste money there.

This year there were no lenders giving fixed 30 year loans above $770K (or jumbo loans) which is the loan you need to get in California (places like LA and SF and surrounding areas) since most 3 bedroom homes are 1.1 - 1.5 million.
I think the solution ,which my banker said he could do , was to do a loan modification at the 5 years. So for example I could take the remaining 25 years and have them change it to 10 so I have the 15 yr loan in essence. Yes the required payment will be higher but I hate paying all the interest on a long term loan anyway. So looks like you got out of their scandle.
Posts: 40,648
Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:12 PM   #7437
MTG#10 MTG#10 is offline
Mammoth penis
 
MTG#10's Avatar
 

Join Date: May 2006
Location: Springfield
Casino cash: $7254386
Quote:
Originally Posted by Hammock Parties View Post
EBON down 2% after hours

bullet dodged!
Yeah it must be over, bankruptcy incoming.
Posts: 11,434
MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.MTG#10 is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:13 PM   #7438
Hog's Gone Fishin Hog's Gone Fishin is offline
Fish are scared of me
 
Hog's Gone Fishin's Avatar
 

Join Date: Nov 2001
Casino cash: $-39523
Quote:
Originally Posted by TinyEvel View Post
PLUG down to $50. Hold, sell, or buy more?
I wouldn't sell anything today unless you want money to put in a better choice.
Posts: 40,648
Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.
     Reply With Quote
Old 02-18-2021, 03:35 PM   #7439
SupDock SupDock is offline
MVP
 
SupDock's Avatar
 

Join Date: Oct 2017
Casino cash: $800400
Quote:
Originally Posted by Hog's Gone Fishin View Post
I think the solution ,which my banker said he could do , was to do a loan modification at the 5 years. So for example I could take the remaining 25 years and have them change it to 10 so I have the 15 yr loan in essence. Yes the required payment will be higher but I hate paying all the interest on a long term loan anyway. So looks like you got out of their scandle.
I assume this would essentially be a refinance, and have associated fees?
Posts: 7,382
SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.SupDock would the whole thing.
     Reply With Quote
Old 02-18-2021, 03:40 PM   #7440
Hog's Gone Fishin Hog's Gone Fishin is offline
Fish are scared of me
 
Hog's Gone Fishin's Avatar
 

Join Date: Nov 2001
Casino cash: $-39523
Quote:
Originally Posted by SupDock View Post
I assume this would essentially be a refinance, and have associated fees?
My bank will do a loan modification with minimal fees . No appraisal needed. Basically just a little paperwork. They're so wonderful.
Posts: 40,648
Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.Hog's Gone Fishin is obviously part of the inner Circle.
 Thumbs Up 1 Thumbs Down 0     Reply With Quote
Reply
Page 496 of 941 « First 396446486492493494495 496 497498499500506546596 Last »

« Previous Thread | > Nzoner's Game Room < | Next Thread »

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Forum Jump




All times are GMT -6. The time now is 05:00 PM.

Contact Us - ChiefsPlanet - Archive - Top

This is a test for a client's site.
Fort Worth Texas Process Servers
Covering Arlington, Fort Worth, Grand Prairie and surrounding communities.
Tarrant County, Texas and Johnson County, Texas.
Advertise with us!
Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2024, vBulletin Solutions, Inc.