Well it was 3 tom turkeys and 11 hens. Had my 600mm but they didn’t get close enough for a good photo. Ya, I am oddI love the idea of you worshipping a Turkey.
Well it was 3 tom turkeys and 11 hens. Had my 600mm but they didn’t get close enough for a good photo. Ya, I am odd
Take out HELOC. Put $10k as lump into your mtge. Use your HELOC as your checking acct - all transactions in-out. The paycheck deposit counts as your monthly payment. Every month that you spend less than you make, you keep paying down that $10k that you took out. Once it's paid off, you do another $10k. Rinse and repeat. They have different interest rate structures, so even if the HELOC has a higher rate, it's based on avg daily balance instead of amortized over 30yrs - it ends up being cheaper if you keep paying it off.
Because you already paid for the expensive option.I don't need that kind of financial complexity in my life.
Oh, wait.
I don't have a mortgage.
All water under the bridge at this point.Because you already paid for the expensive option.
at purser hulsey?There are bikes in the garage and I intend to pay a bit of attention to them today.
I'm thinking about getting a HELOC to pay off the mortgage too. Checking the math, but it looks like we'll save 10yrs and $60k, so probably going to do that.
got a concrete example of this? this seems so counterintuitive with 9% HELOC rates vs my 1.75% and 2.375% mortgage rateseven if the HELOC has a higher rate, it's based on avg daily balance instead of amortized over 30yrs - it ends up being cheaper if you keep paying it off.
We're hitting Copper - 16" in 72h (and it's still snowing up there) and it's closer than A-Basin. Also - it appears everyone else from the Front Range is going to A-Basin./me checked snowstakes and did not elect to ski. Eldest’s concert this afternoon for string ensemble
Not today unfortunately. Probably just a little maintenance and then try to get out a couple times a week after work.at purser hulsey?
With today's interest rates I don't know why everyone isn't doing this!1!!1!1!!!!!Take out HELOC. Put $10k as lump into your mtge. Use your HELOC as your checking acct - all transactions in-out. The paycheck deposit counts as your monthly payment. Every month that you spend less than you make, you keep paying down that $10k that you took out. Once it's paid off, you do another $10k. Rinse and repeat. They have different interest rate structures, so even if the HELOC has a higher rate, it's based on avg daily balance instead of amortized over 30yrs - it ends up being cheaper if you keep paying it off.
And take out a large HELOC to not mess up your credit; only use as needed.
Complex math > most people.With today's interest rates I don't know why everyone isn't doing this!1!!1!1!!!!!
Complex math > most people.
got a concrete example of this? this seems so counterintuitive with 9% HELOC rates vs my 1.75% and 2.375% mortgage rates
/me checked snowstakes and did not elect to ski. Eldest’s concert this afternoon for string ensemble
Same gerl same,
Slippery ride this morning. Officially, I've ridden more this year than the past two combined.
I've ridden 7 times this year.
Funny, If you remember I was trying to work with a ton of legacy vet orgs such as the VFW when I was running our orgs. Sat down with tons of commanders and staff having discussions and presentations about the future of the veterans non profit sector for years on end with no progress as it was falling on deaf ears. Seems they would still rather scuttle the ships than put in the effort of restructuring the org and its core mission to meet the needs of current vets.Morning Monkeys.
Had the VFW district meeting yesterday. I've been promoted from my local post to district quartermaster because why not. There is discussion on either merging my post with Scappoose, or just dissolving mine and let folks join Scappoose if they want. The commander of Scappoose want to dissolve it so he doesn't get any trash that might come with a merger. While I can see his point we had $14k in the bank that would just get handed not to distract, but to the state.
Rainer was dissolved and Seaside is on suspension, but they are trying to save it.
using actual mortgage numbers/rates and the Denver HELOC rate (through Third Federal if you decide to do this anyway), putting a hypothetical extra $1,500 towards the mortgage itself vs via the HELOC seems to win in both cases, unless I'm interpreting this incorrectlyGet the Mortgage Payoff Calculator with Line of Credit for Google Sheets
Thank you page for using the Mortgage Payoff Calculator with Line of Credit by Vertex42.com.www.vertex42.com
Do the math. Short-term, small balance, simple rate used to pay off long-term amortized. Even with the higher rate, by cropping decades out of the amortization, you save on the net interest paid.
One of the big points in the meeting is the issue some posts have with the transition. Some posts welcome new blood with new ideas, some don't. I know a guy who wanted to join our post got turned away because he had piercings, or so I heard. I was recruited buy a couple different guys, but they also don't know I'm a liberal.Funny, If you remember I was trying to work with a ton of legacy vet orgs such as the VFW when I was running our orgs. Sat down with tons of commanders and staff having discussions and presentations about the future of the veterans non profit sector for years on end with no progress as it was falling on deaf ears. Seems they would still rather scuttle the ships than put in the effort of restructuring the org and its core mission to meet the needs of current vets.