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  Topic: Maturing Bonds. What to do.
oldguy

Replies: 1
Views: 219

Post image iconForum: Investing, Stocks and Bonds   Posted: Fri May 03, 2019 3:50 pm   Subject: Maturing Bonds. What to do.
Your choice depends entirely on what your goals are. Eg, if you are over 60 you need 'wealth preservation' - savings accounts, CDs, etc. And if you you are younger, you need 'wealth-building' items - ...
  Topic: Build a rental unit, buy a duplex, or sell?
oldguy

Replies: 5
Views: 899

Post image iconForum: Real Estate   Posted: Fri Mar 08, 2019 2:37 am   Subject: Build a rental unit, buy a duplex, or sell?
My most recent refi's were with Chase - the last 3 I believe. All were 30 years, fixed rate. The Non-Owner Occupied premium was 1% or 1.13%. And the required DP is typically a little higher, bankers ...
  Topic: Build a rental unit, buy a duplex, or sell?
oldguy

Replies: 5
Views: 899

Post image iconForum: Real Estate   Posted: Wed Mar 06, 2019 8:02 pm   Subject: Build a rental unit, buy a duplex, or sell?
If you opt for the $80k ADU, I sure wouldn't own it 'free & clear". The US mortgage provides some of the cheapest capital in the world - where else can you walk into a bank, ask for $300k, demand ...
  Topic: What exactly this means?
oldguy

Replies: 3
Views: 796

Post image iconForum: Investing, Stocks and Bonds   Posted: Sat Feb 09, 2019 4:03 am   Subject: What exactly this means?
Years ago people would buy a house, own it in an LLC, then rent it to themselves for small amount. The idea was that the house would be classified as a rental - and therefore a depreciable asset that ...
  Topic: 401K Hell
oldguy

Replies: 3
Views: 1147

Post image iconForum: Retirement Planning   Posted: Sun Jan 20, 2019 8:45 pm   Subject: 401K Hell
I am also going to inquire next week to see if my plan allows a rollover to an IRA while I am still employed.

I'm pretty certain that the answer is 'no". And it's not your company plan rules, it i ...
  Topic: 401K Hell
oldguy

Replies: 3
Views: 1147

Post image iconForum: Retirement Planning   Posted: Sun Jan 20, 2019 8:41 pm   Subject: 401K Hell
Based on your age, I would be 100% in the VITSX. Three reasons - 1, it is unmanaged, and 2, it is widely diversified.
1. History shows that only 15% of fund managers beat the SP500 Index (which has ...
  Topic: Do you have gun?
oldguy

Replies: 3
Views: 521

Post image iconForum: The Green Room   Posted: Fri Dec 07, 2018 2:30 am   Subject: Do you have gun?
Yes, several. No need.
  Topic: Infinite Banking
oldguy

Replies: 40
Views: 27749

Post image iconForum: Retirement Planning   Posted: Sat Nov 17, 2018 6:53 am   Subject: Infinite Banking
to become financially independent by “becoming their own bankers.” R. Nelson Nash discovered IBC in the early 1980s,

Earlier it was the 'Australian Banking System'. And 'Be Your Own Banker'. A ...
  Topic: Infinite Banking
oldguy

Replies: 40
Views: 27749

Post image iconForum: Retirement Planning   Posted: Thu Nov 15, 2018 5:35 pm   Subject: Infinite Banking
It's kinda fun to read the 8-year-old posts and wonder what became of the hoax-of-the-day folks.
  Topic: Wrecked car, huge insurance/rental company mess. Need advice
oldguy

Replies: 3
Views: 1188

Post image iconForum: Personal Finance   Posted: Sat Jul 28, 2018 6:08 pm   Subject: Wrecked car, huge insurance/rental company mess. Need advice
His car was driveable enough to turn it around and drive it to where there was a shoulder to wait for help. He didn't have any cell service, so he had to wait for a state police trooper to find him an ...
  Topic: Buying College Credits for a Child?
oldguy

Replies: 8
Views: 14446

Post image iconForum: Investing, Stocks and Bonds   Posted: Thu Jul 26, 2018 3:43 pm   Subject: Buying College Credits for a Child?
With the increase in college costs, is it worth it to do this, or are the prices expected to drop someday? [quote]

No, not a scam. But not necessarily a good deal. The generic market index (SP500 ...
  Topic: vertical weed barrier
oldguy

Replies: 3
Views: 1018

Post image iconForum: The Blue Room   Posted: Mon Jun 25, 2018 9:07 pm   Subject: vertical weed barrier
I doubt that a barrier will stop it, it is a very persistent weed, capable of going under/over/thru. IMO, a systemic root killer, such as Roundup, sprayed precisely on the path surface (use a vertical ...
  Topic: Fridge not cold
oldguy

Replies: 2
Views: 974

Post image iconForum: The Green Room   Posted: Sun Jun 17, 2018 5:23 pm   Subject: Fridge not cold
Pay about $75 to a appliance repairman to get a diagnosis. If the compressor has failed,, it is time for a new fridge. But if the compressor/ the lines /the evaporator / or the condenser has a ref ...
  Topic: Are you sick of living the same way, financially.
oldguy

Replies: 1
Views: 1179

Post image iconForum: Earning & Income   Posted: Sat Jun 02, 2018 5:07 pm   Subject: Are you sick of living the same way, financially.
a normal job is going back home I hate it. I'm getting bored

Depends on your version of "normal". If 'normal' is an entry-level retail job, then, yeah, it's gonna be boring. If "normal" is a defe ...
  Topic: A 401K
oldguy

Replies: 5
Views: 1461

Post image iconForum: Earning & Income   Posted: Thu May 31, 2018 4:26 pm   Subject: A 401K
When you learn to speak about Politics, Economics, Federal Reserve, then we can talk

OK. There is one important concept that you would like - the Dr Art Laffer Theory. It explains the workings of ...
 
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