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  • ArgentCy's Avatar
    05-20-2016, 12:36 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Ahh of course, words have meaning and they certainly have enough lawyers to craft an accurate if not misleading statement. Anyway, I ran the...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-20-2016, 11:59 AM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Added in the chart with comparison to investing for the first 16 years and obtaining a 7% yield compounded monthly. Please note that this only works...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-20-2016, 11:49 AM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    There are so many variables that as you said before there is no one right answer. The simple answer is that it takes a very dedicated person to keep...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-20-2016, 11:30 AM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Sure it took awhile to put the excel charts together. It doesn't make as big of a difference as expected but it would at higher interest rates or...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-20-2016, 11:26 AM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Most realtors don't really give a hoot about their clients. They really just want to close a sale and move on to the next. I also have a real...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-19-2016, 03:43 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    You can thank the National Association of Realtors for that. They have long had a very powerful lobbying arm and it has served themselves well.
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-19-2016, 02:59 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    The math doesn't hold up at all. First, when you get a new house you probably get a new 30 year loan and reset the clock. Second, you have a...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-19-2016, 02:02 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Been there and done that. Well, I didn't max it out but stayed at ~20% but still was over $5k. Worked out fantastic once and not so good the other...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-19-2016, 11:11 AM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    The problem is that other expenses always come up. Leveraging too far is just inviting broke, dumb, and stupid to move in with you. Very few people...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-18-2016, 03:52 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Because you would have a much larger chunk of cash to buy the next, gee I don't know...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-18-2016, 03:01 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    It is an interesting question. After a quick Google search it is very difficult to find any data. There are at least a thousand pages on how to do...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-18-2016, 01:58 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    Here is a different chart. It does show that with a 15 year mortgage you will have built 50% equity (ignoring the down payment) after just over 8...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-18-2016, 01:54 PM
    ArgentCy replied to a thread 15 year or 30 year loan in Off-Topic
    The houses you are looking at is irrelevant to the financing portion of the discussion. I doubt the extra payments will drop you from a new house to...
    141 replies | 5468 view(s)
  • ArgentCy's Avatar
    05-18-2016, 01:13 PM
    Can we now yell thugs at their football team?
    119 replies | 9506 view(s)
  • ArgentCy's Avatar
    05-16-2016, 02:49 PM
    ArgentCy replied to a thread Wiltz doing track in Football
    Man I never knew that track and XC only received a total of 12.6 scholarships. Makes Wrestling with 9.9 look like an expensive sport. Also explains...
    82 replies | 7131 view(s)
  • ArgentCy's Avatar
    05-16-2016, 12:54 PM
    Its a sad state of affairs today but you have to know that most of these companies will just roll over and give the fed goons whatever they ask for. ...
    14 replies | 910 view(s)
  • ArgentCy's Avatar
    05-12-2016, 03:17 PM
    ArgentCy replied to a thread Stock Retirement Advice in Off-Topic
    Lol, that is pretty funny but I have a pretty good amount of experience in the area. You might want to check the 2016 stock prediction thread for...
    25 replies | 714 view(s)
  • ArgentCy's Avatar
    05-12-2016, 11:52 AM
    ArgentCy replied to a thread Stock Retirement Advice in Off-Topic
    As someone who isn't registered you can't give "advice" at all or you run into problems. I'm sure there are ways that you could get into trouble. ...
    25 replies | 714 view(s)
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"Education consists mainly of what we have unlearned."
"If voting made any difference they wouldn't let us do it." - Mark Twain
"Whenever you find Yourself on the side of the Majority; It is time to Pause and Reflect."

The busy man is never wise and the wise man is never busy - Lin Yutang

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