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| Tips and Deals ---- For Sale & Free Items ---- 'Friendly' Political Ranting |
Re: Pay off my mortgage? - 2 days ago
I think I'll start with the Snowballing, but also keep my eyes peeled for a refinance opportunity.by stephen - Tips and Deals
Re: Pay off my mortgage? - 2 days ago
I'm not opposed to it, but. My loan officer specializes in downtown Birmingham properties (there are some weirdnesses with intown condos, local laws, all the documentation, etc.) and not a lot of people make loans in this area. Quite frankly, it's not worth his time. His business has quadrupled in the past year. He also notes that rates have ticked up a bit this week. Also, some lendeby stephen - Tips and Deals
Re: Pay off my mortgage? - 2 days ago
QuotePaul F. Quotespace-time Pay more to the higher interest mortgage! If he gets RID of the lower one, he can then dump the money he was paying for that mortgage into paying off the higher one and get two birds with one stone. Did a call with my mortgage banker and that's what he recommends. They call it Snowballing. He says that will be more cost effective for me than doing another refi.by stephen - Tips and Deals
Re: Whatever happened to Small Dog? - 2 days ago
A family friend just opened a tech business in Key West. The retail space apparently housed a now-closed Small Dog outpost. I bought from Small Dog back in the day and admired their culture.by stephen - Tips and Deals
Re: Pay off my mortgage? - 2 days ago
Quotevicrock Are you splitting your time between ATL and BHM? Yes, I'm in each town every week.by stephen - Tips and Deals
Re: Pay off my mortgage? - 2 days ago
QuoteBixby What about just dumping a lot of money into Birmingham, so you can pay that off that much earlier? The longer you're paying for it, the more interest you're paying. It's definitely something to consider. But I also feel the need to maintain an emergency fund for six months of expenses. With two mortgage payments, that emergency fund has to be larger. I don't feel like I couldby stephen - Tips and Deals
Re: Pay off my mortgage? - 2 days ago
Quotespace-time what is the rate on the other mortgage? Here's the situation with both: Atlanta (where I plan to retire) $107,000, 2.75% for 15 years, 6 years remaining $2038/month including P&I ($1466) and escrow ($547). Interest $249/month. Birmingham $144,000, 3.75% for 20 years, 19 years remaining $1030 / month including P&I ($889) and escrow ($174). Interest $451/moby stephen - Tips and Deals
Re: Pay off my mortgage? - 3 days ago
My risk tolerance seems to be fairly low. My lump sum is in money market funds right now, and has been for several years. I'm definitely going to do something smarter than that, but assessing options. My time horizon is 5-8 years before I'm going to retire. 10 years max. The stock market might continue to go up in that time period, or it might not. 401K is in retirement-date funds (70%) anby stephen - Tips and Deals
Pay off my mortgage? - 3 days ago
Backstory: I have two condos. I have the opportunity to pay one of them off. The mortgage rate is very low, 2.75% with six years remaining in a 15 year mortgage. That's a great rate and normally, one would say, pay down that cheap money slowly. But paying it off would eliminate 2/3 of my monthly living expenses and create a lot of cash flow I could then invest or save. Or, put towards theby stephen - Tips and Deals
My health insurance company offered to send me a "free" smart blood pressure monitor - 3 days ago
That connects to a smart phone, that connects to them. I find that creepy.by stephen - Tips and Deals
Any advice on getting a PS5 for my nephew’s birthday next weekend? - 4 days ago
Are they still impossible to find?by stephen - Tips and Deals
Re: Do folks have local owned doughnut shops nearby? - 15 days ago
Yes, Hero Doughnuts started in BHM and has expanded to Atlanta. Brioche-style. Daylight Donuts in BHM (chain? not sure) and Sublime Donuts in ATL also rock.by stephen - Tips and Deals
Re: makes your hair, stand on end?!......Merck knew that baldness drug, Propecia, side effect might include suicidal behavior...... - 21 days ago
Propecia nearly 20 years. No issues.by stephen - Tips and Deals
Re: Happy Birthday MR Forum member pRICE cUBE - 23 days ago
You define this forum for me. Thanks for bringing yourself to it! HBD.by stephen - Tips and Deals
Re: January 20, 1985: Apple's Lemmings ad after 1984 considered to stink stunk stank - 28 days ago
It was so dark. Going negative was un-Apple. I've done a self-indulgent commercial or two and regretted it later. A crash and burn like this keeps you humble. But teams have to take risks. Occasionally that's going to happen. That's when a smart strategist or client stops you and asks, are you sure?by stephen - Tips and Deals
Re: *Puts pinky to mouth* One Hundred BILLION! (AAPL Earnings) - 29 days ago
AAPL 40% of my retirement now. Probably more because that doesn't include the holdings in my retirement-date managed funds in my 401K. I know that's too much, but not selling my personal holdings, and I'll trust the managers with the other part.by stephen - Tips and Deals
Re: OMFG he's almost gone! almost gone! almost gone-ity gone gone! - 5 weeks ago
Gone.by stephen - 'Friendly' Political Ranting
Re: I have a feeling that the pardons are going to be so insidious that they will be released minutes before Trumps term expires - 5 weeks ago
Absolutely. Going to try to divert attn from Biden's swearing in. Ignore them until afterwards.by stephen - 'Friendly' Political Ranting
Re: Randy Rainbow's "Seasons of Trump" - 5 weeks ago
epic and perfect.by stephen - 'Friendly' Political Ranting
OMFG he's almost gone! almost gone! almost gone-ity gone gone! - 5 weeks ago
Almost gone. Gone. Almost gone!!!!!! Almost. Gone.by stephen - 'Friendly' Political Ranting
Re: MR Forum Confessions - 5 weeks ago
It's been 48 hours and I should probably shower.by stephen - Tips and Deals
Re: Forget The "Smurf" Mac! Today Is the Anniversary Of Steve Jobs Introducing The First iPhone! - 6 weeks ago
Half my retirement! I could probably retire now if I had kept the other half of my stock.by stephen - Tips and Deals
Re: BLESS HER HEART! Happy Birthday MR Forum member rgG !!! - 7 weeks ago
Happy Birthday to the belle of the ATL!by stephen - Tips and Deals
Re: Ossoff wins by more than .5% - 7 weeks ago
Praise God.by stephen - 'Friendly' Political Ranting
Re: Flash ! Aaaaahhhhh ! It’s gone at midnight... - 7 weeks ago
Leader is smiling.by stephen - Tips and Deals
Re: Backdoor Roth IRA - 7 weeks ago
I wonder if I could/should do this with my rollover IRA from the 90s which includes all my AAPL stock.by stephen - Tips and Deals
Re: Happy Birthday MR Forum member stephen - 8 weeks ago
Thanks so much! It took me a few days to swing by but I truly appreciate the birthday wishes! Trying to make the most of this weird holiday season. Thank you again.by stephen - Tips and Deals
Re: Merry Christmas to the forum! - 2 months ago
Merry Christmas! I love being able to come here and hang out.by stephen - Tips and Deals
Re: Raise a margarita in memory of our friend Gene L - 2 months ago
d4, that's my favorite Scotch!!! I just made my grandmother's eggnog recipe and I raise a hearty glass to our friend GeneL.by stephen - Tips and Deals