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Paying down a big chunck today on the mortgage Paying down a big chunck today on the mortgage
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Old 06-28-2007, 11:41 AM   #1
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Paying down a big chunck today on the mortgage
so why do i feel depressed? lol


i guess it sucks just putting the money to sleep until i sell


next year im going to try and get a triplex or something not just keep paying down


okie off to kiss my cash goodbye
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Old 06-28-2007, 11:44 AM   #2
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It'll be worth it in the end !!!!
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Old 06-28-2007, 12:12 PM   #3
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Oh cheer up!! There is a silver lining in the dark cloud!!
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Old 06-28-2007, 01:18 PM   #4
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Quote:
Originally Posted by Phoenix View Post
so why do i feel depressed? lol


i guess it sucks just putting the money to sleep until i sell
(

LOL @ you for having a mortgage. Dude pay cash for that shit. All you are doing is making the BANK rich.
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Old 06-28-2007, 01:21 PM   #5
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LOL @ you for having a mortgage. Dude pay cash for that shit. All you are doing is making the BANK rich.
NOT necesarrily, smart guys use Other Peoples Money to make their own
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Old 06-28-2007, 01:26 PM   #6
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NOT necesarrily, smart guys use Other Peoples Money to make their own
Agreed 100%. Plus, buy paying down the mortgage so much, the original poster is greatly reducing the tax deduction he could be getting on the interest.

The only time it's smart to pay off a mortgage quicker is when the interest rate is higher than you could make in return on investment.

I have a 5.25% mortgage. Why would I pay it off if I can return 10% through other investments?
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Old 06-28-2007, 01:40 PM   #7
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I have a 5.25% mortgage. Why would I pay it off if I can return 10% through other investments?
Because you are only factoring in the opportunity cost, not the equity you'd reap on a sale. 10-5.25 is only 4.75. And even in a downturn most houses gain more than 4.75 a year in value with almost zero risk.
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Old 06-28-2007, 01:44 PM   #8
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Old 06-28-2007, 02:42 PM   #9
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LOL @ you for having a mortgage. Dude pay cash for that shit. All you are doing is making the BANK rich.
So you own outright then? Congratulations, quite the feat.
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Old 06-28-2007, 02:48 PM   #10
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Old 06-28-2007, 02:55 PM   #11
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NOT necesarrily, smart guys use Other Peoples Money to make their own
100% accurate
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