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Old 06-27-2016, 11:23 AM  
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Investing megathread extravaganza
A place to talk about investing stuff.
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Old 02-20-2021, 10:28 AM   #7591
Hammock Parties Hammock Parties is online now
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Lenders are ****ing scum. They want you to borrow more so you can get ****ed harder.
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Old 02-20-2021, 10:33 AM   #7592
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Lenders are ****ing scum. They want you to borrow more so you can get ****ed harder.
Did you just learn this in your house buying adventures?
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Old 02-20-2021, 10:35 AM   #7593
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Did you just learn this in your house buying adventures?
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Old 02-20-2021, 10:36 AM   #7594
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Lenders are ****ing scum. They want you to borrow more so you can get ****ed harder.
Absolutely. It’s crazy what they’ll qualify you for.

6 years ago we bought a house for about 50% the amount we “qualified” for. I couldn’t believe what they thought we could afford! And they wonder how so many people get in trouble and can’t pay their mortgage ......house poor!
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Old 02-20-2021, 10:52 AM   #7595
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Lenders are ****ing scum. They want you to borrow more so you can get ****ed harder.
Same with most colleges. I try to get an answer for how much the cost will be per semester for my kids and 95% of the time the college doesn’t answer but rather tries to talk me into a loan. I tell them I don’t want a loan, I want to know the cash price.......then they try to talk me into a loan again. Most colleges are in the banking/lending business now.
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Old 02-20-2021, 10:58 AM   #7596
Hammock Parties Hammock Parties is online now
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Did you just learn this in your house buying adventures?
Pretty much. I've never had much debt at all, because I'm not ****ing stupid.

"We can give you an FHA loan for that small amount you need to buy a house. Or you can have a less ****y loan for this HUGE AMOUNT!!!!!!"

Get ****ed.
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Old 02-20-2021, 11:02 AM   #7597
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RE: HSA investing. Does your HSA admin only let you invest in certain funds?

My HSA gives me like a dozen investment options to choose from and doesn't appear to give me full control. No complaints as I've been putting it in a Vanguard ETF that's been up like 25% but I'm mostly just wondering if thats SOP for HSA's or just unique to mine or if I'm a reerun that can barely read.
Same. Mine gives me around 30 to choose from.
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Old 02-20-2021, 11:03 AM   #7598
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Just a thought regarding (FRX)

With these SPAC's they always issue warrants that are much cheaper in price and many times run much more than the stock

FRX moved about 40% in two days

FRX.WS moved 170% in two days
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Old 02-20-2021, 11:09 AM   #7599
Hog's Gone Fishin Hog's Gone Fishin is offline
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ALTU

ALTUW......warrants

Might be worth looking at
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Old 02-20-2021, 11:31 AM   #7600
Buehler445 Buehler445 is online now
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Quote:
Originally Posted by KCUnited View Post
RE: HSA investing. Does your HSA admin only let you invest in certain funds?

My HSA gives me like a dozen investment options to choose from and doesn't appear to give me full control. No complaints as I've been putting it in a Vanguard ETF that's been up like 25% but I'm mostly just wondering if thats SOP for HSA's or just unique to mine or if I'm a reerun that can barely read.
Typically.

My 401K from back in the day had a similar amount of options.
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Old 02-20-2021, 11:54 AM   #7601
EPodolak EPodolak is offline
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Lenders are ****ing scum. They want you to borrow more so you can get ****ed harder.

Every mortgage conversation includes that part about the maximum they'll let you have. Dealing with lenders is always a reminder of how humans often treat each other like sh*t.
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Old 02-20-2021, 11:55 AM   #7602
Hammock Parties Hammock Parties is online now
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Every mortgage conversation includes that part about the maximum they'll let you have. Dealing with lenders is always a reminder of how humans often treat each other like sh*t.
Honestly, I have a low tolerance for bullshit. This makes me just want to save more money and pay cash for a house and give the finger to literally everyone, including my own savings accounts.
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Old 02-20-2021, 12:09 PM   #7603
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Honestly, I have a low tolerance for bullshit. This makes me just want to save more money and pay cash for a house and give the finger to literally everyone, including my own savings accounts.
With rates so low, borrowing money is actually not a bad idea.

Just borrow your comfort level on Monthly Payments and hold the line on the amount you borrow.

Savings accounts don't pay shit sadly.
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Old 02-20-2021, 12:21 PM   #7604
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Honestly, I have a low tolerance for bullshit. This makes me just want to save more money and pay cash for a house and give the finger to literally everyone, including my own savings accounts.
Not worth it with rates this low. With your down payment and house price, your mortgage will be dirt cheap. Still makes sense to buy.
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Old 02-20-2021, 12:22 PM   #7605
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Nice tax write off too. **** paying rent.
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