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Tundras live: Free Hot Takes With Every Visit

Discussion in 'Off-Topic Discussion' started by Bob, Jan 4, 2014.

  1. Apr 6, 2023 at 7:37 AM
    Cpl_Punishment

    Cpl_Punishment Young men never die.

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    Yeah, we deliberately chose to go 25 even though they offered us 30.

    Now I'm glad we didn't try to go 20...
     
  2. Apr 6, 2023 at 7:38 AM
    1794TX

    1794TX Should be taken in small doses

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    Remember that your mortgage is amortized, which means it's (very probably) taking the most money out of your pocket month over month. Adding principal, whether by lump sum or a little each month, will drastically change the total interest paid by the end of the loan. Unless you're near the end of your mortgage term (doesn't sound like you are), or plan on moving soon, this will be your biggest hitter.

    Plus, paying off my mortgage was the 2nd biggest emotional baggage offload I've ever experienced, and put my resting mood way higher.
     
  3. Apr 6, 2023 at 8:00 AM
    RainMan_PNW

    RainMan_PNW SSEM #82 RGBA #4 “That Guy” Vendor

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    Check the build link in my signature.
    I'm with Zach here.
    That 5/25 is a lot like a variable interest rate loan...you get in at a lower entry but that balloon (or refinance) at the end of 5 is a gamble. If you'd refinanced a year ago into a conventional a year or so ago, you'd be sitting pretty (we got in on 2.4% for a 15-yr conventional). Unfortunately, things have swung the other direction with the FED (at least in the US) pushing to completely stall the economy inflation with high interest rates. There's still some hope that by the end of the year you might see some relief on mortgage rates, but I'd be using that money to buy down your rate or get your principal reduced before you get bitch-slapped in the refinance.
     
  4. Apr 6, 2023 at 11:06 AM
    Azblue

    Azblue Beer is Good Ban Moderator

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    The Dirty T


    You forgot your 4th option:

    4. Buy Azblue something cool.
     
  5. Apr 6, 2023 at 11:24 AM
    Taco-Spike

    Taco-Spike Gateway from Tacoma World ~ ended up here

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    How you like these?

     
  6. Apr 6, 2023 at 11:26 AM
    T500

    T500 # The Dark Side

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    FFS just spotted another c*nty groundhog… shizzling around the shed…
     
  7. Apr 6, 2023 at 11:31 AM
    Azblue

    Azblue Beer is Good Ban Moderator

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    No, I said something cool.
     
  8. Apr 6, 2023 at 11:38 AM
    T500

    T500 # The Dark Side

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    :rofl:
     
  9. Apr 6, 2023 at 12:07 PM
    GODZILLA

    GODZILLA ASCM#1 Douchebag formerly known as 50 Buck

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    Did the bastard see his shadow? I'm tired of winter.
     
  10. Apr 6, 2023 at 12:20 PM
    Y0TA PR0

    Y0TA PR0 Dirt biking & fishing

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  11. Apr 6, 2023 at 12:25 PM
    GODZILLA

    GODZILLA ASCM#1 Douchebag formerly known as 50 Buck

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    You don't want your very own Middle Michigan Adventure Man?
     
  12. Apr 6, 2023 at 1:05 PM
    NWPirate

    NWPirate Tesla kool-aid connoisseur

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    We lucked out on the timing 18 months ago, got 2.0 fixed for 15 years.

    I don't know how those ARM's work but I imagine they go up every term (5yrs?)
    If they don't hit you too bad @Cpl_Punishment you could pay the car off and then refinance before the next rate hike in 5 years.
     
  13. Apr 6, 2023 at 1:28 PM
    SwitchThrottle

    SwitchThrottle Living in Idiocracy

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    We went from 7.5% fixed 30y 3% down 0 points to 5.5% fixed 30y fixed 0 down 0 points to 2.5% fixed 15y 0 down 0 points (that one was huge as it cut 7 years off the loan with the same payment) then payed it off early.

    @Cpl_Punishment do what you have to to lock it in at the best rate with shortest term you can afford then pay off the car and dump that monthly into the morgage and get out from under it asap.
     
  14. Apr 6, 2023 at 2:53 PM
    Cpl_Punishment

    Cpl_Punishment Young men never die.

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    So the border service can steal it?
     
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  15. Apr 6, 2023 at 2:54 PM
    Cpl_Punishment

    Cpl_Punishment Young men never die.

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    There's always the chance rates could go down in the next 5 years but I won't hold my breath. If I'd been able to see the future, I would have done a shorter term and then renewed it when everything was rock bottom in 2020.
     
  16. Apr 6, 2023 at 2:55 PM
    NWPirate

    NWPirate Tesla kool-aid connoisseur

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    That's awesome!
    We first did a refi at 3.5 I think, and pulled some cash out.
    This last one was also 0 points, 0 down @2%. I couldn't lock that in fast enough, lol.
    I'll be around 53 y/o if I don't pay it off early
     
  17. Apr 6, 2023 at 3:02 PM
    SwitchThrottle

    SwitchThrottle Living in Idiocracy

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    I hear ya. I missed out on AOL, then on Yahoo!...hell...I remember when bitcoin was like 15 cents. FWIW...we will probably revalue the dollar before you see see interest rates go down. I'd get debt free asap. :evil:
     
    snoope, T-Rex266, GODZILLA and 4 others like this.
  18. Apr 6, 2023 at 3:02 PM
    Tripleconpanna

    Tripleconpanna Just an X who bought Bud Light from Target

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  19. Apr 6, 2023 at 3:04 PM
    SwitchThrottle

    SwitchThrottle Living in Idiocracy

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    2% is a phenomenon rate. I thought we killed it at 2.5. :cheers:
     
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  20. Apr 6, 2023 at 3:05 PM
    FrenchToasty

    FrenchToasty The Desert rat, 6 lug enthusiast

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    I’ve said it before, I’ll say it again, it’s bikini season here already, and it’s great!
     
  21. Apr 6, 2023 at 3:08 PM
    NWPirate

    NWPirate Tesla kool-aid connoisseur

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    :annoyed:
     
  22. Apr 6, 2023 at 3:10 PM
    Tripleconpanna

    Tripleconpanna Just an X who bought Bud Light from Target

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    Pay the car off as it will free up a larger monthly amount than paying a small portion of the mortgage (which will net you zero extra $$ monthly); then take the extra $$$ you have monthly from the car loan and start paying extra toward the mortgage; once interest rates swing the other way, look to refinance the remaining balance of your mortgage on a low fixed rate 15yr.... (and calculate what you'd need to pay extra each month to have the loan paid in 10yr)
     
    Last edited: Apr 6, 2023
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  23. Apr 6, 2023 at 3:10 PM
    TRDFerguson

    TRDFerguson SSEM #99/RGBA #8-ish?/It’s a funny name.

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    Hamburger Hill!
     
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  24. Apr 6, 2023 at 3:11 PM
    Tripleconpanna

    Tripleconpanna Just an X who bought Bud Light from Target

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    I want to see a photo of you in yours!!!!!
     
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  25. Apr 6, 2023 at 3:12 PM
    FrenchToasty

    FrenchToasty The Desert rat, 6 lug enthusiast

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    It was dead today:(
     
  26. Apr 6, 2023 at 3:13 PM
    TaquitoBandito

    TaquitoBandito SSEM #91, KitKat Aficionado, A Dancer for Money Exotic Dancer

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  27. Apr 6, 2023 at 3:17 PM
    NWPirate

    NWPirate Tesla kool-aid connoisseur

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    Is this where you find your local meat? :rofl:
     
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  28. Apr 6, 2023 at 3:20 PM
    FrenchToasty

    FrenchToasty The Desert rat, 6 lug enthusiast

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    Something like that
     
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  29. Apr 6, 2023 at 4:19 PM
    T500

    T500 # The Dark Side

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    He / she / they / them whatever the f*ck it was legged it when it saw me
     
  30. Apr 6, 2023 at 4:29 PM
    T-Rex266

    T-Rex266 Elon approved Staff Member

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