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Old 06-27-2016, 11:23 AM  
DaFace DaFace is offline
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Investing megathread extravaganza
A place to talk about investing stuff.
Last edited by DaFace; 02-19-2021 at 06:35 PM..
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Old 02-18-2021, 02:38 PM   #7426
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"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.
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Old 02-18-2021, 02:39 PM   #7427
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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
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Old 02-18-2021, 02:43 PM   #7428
Hog's Gone Fishin Hog's Gone Fishin is offline
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100% disagree, but still interested in your reasoning.
He has the gut instinct of a GOD. He doesn't need reasoning.
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Old 02-18-2021, 02:47 PM   #7429
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100% disagree, but still interested in your reasoning.
some guy on CP recommended it
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Old 02-18-2021, 02:48 PM   #7430
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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.
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Old 02-18-2021, 02:58 PM   #7431
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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.
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Old 02-18-2021, 03:04 PM   #7432
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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.
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Old 02-18-2021, 03:06 PM   #7433
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some guy on CP recommended it
But their CEO's name is Dong
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Old 02-18-2021, 03:08 PM   #7434
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PLUG down to $50. Hold, sell, or buy more?
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Old 02-18-2021, 03:09 PM   #7435
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Old 02-18-2021, 03:11 PM   #7436
Hog's Gone Fishin Hog's Gone Fishin is offline
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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.
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Old 02-18-2021, 03:12 PM   #7437
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EBON down 2% after hours

bullet dodged!
Yeah it must be over, bankruptcy incoming.
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Old 02-18-2021, 03:13 PM   #7438
Hog's Gone Fishin Hog's Gone Fishin is offline
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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.
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Old 02-18-2021, 03:35 PM   #7439
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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?
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Old 02-18-2021, 03:40 PM   #7440
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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.
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