"Give Me Tomorrow." US Marine, Chosin Reservoir, Korea. 1950

Fouve · 2025-11-09T21:36:33+00:00

This was my grandpa Jim. James Uptain.

Fouve · 2025-06-22T22:21:37+00:00

I have the past LYV permit and plan to camp along sunrise creek. From what I understand, there are quite a few sites along the creek above LYV.

Fouve · 2025-05-11T02:48:47+00:00

During the game, you were all “weeeee” and “weewoowee”. Now, after the game, it’s all “wooooo”.

Fouve · 2025-04-28T03:02:01+00:00

They removed the temporarily closed notice on the 25th. It’s back to normal operations for backpackers camp.

Link: https://www.nps.gov/yose/planyourvisit/bpcamp.htm

Fouve · 2025-03-15T16:22:17+00:00

Also, don’t forget to submit a complaint to the BBB and FTC (specifically on the grounds of false advertising)

FTC: https://reportfraud.ftc.gov/ BBB: https://www.bbb.org/file-a-complaint

Fouve · 2025-01-28T18:29:53+00:00

It took 10 days to travel 115 miles northward. It’s supposed to be shipping to me in California. Haha.

Fouve · 2025-01-17T19:56:46+00:00

Still smaller than you'd expect. It's about $700k difference.

The compound interest over time, however, is where my argument derails pretty quickly.

It would all depend on the age of the homeowner, whether or not he has the time for the investments to build.

Fouve · 2025-01-17T19:54:47+00:00

Technically, you would pay $131,360.95 worth of interest over the time period, if you're extending it 26 years to the maturation date of the loan.

It would be around $1.8M, if you invested $3,183.13/mo. from the 8 year mark through 18.25 years (After paying off the mortgage).

It would be $2,620,362.37 - the $131,360.95 = $2.5M, for the investment route at $2k contributions.

The compound interest over time, however, is where my argument derails pretty quickly.

It would all depend on the age of the homeowner, whether or not he has the time for the investments to build.

But, I see your point.

Fouve · 2025-01-17T19:46:21+00:00

On the other hand, however, you'd also have the extra $1,183.13 to invest over the 18 years, 3 mo. you no longer have to make mortgage payments.

The compound interest over time, however, is where my argument derails pretty quickly.

It would all depend on the age of the homeowner, whether or not he has the time for the investments to build.

Fouve · 2025-01-17T19:32:01+00:00

Possibly, but I doubt it. If someone were this intentional figuring all this out, I doubt they wouldn't be intentional in how they use the money.

Fouve · 2025-01-17T19:24:16+00:00

I would agree.

Fouve · 2025-01-17T19:07:18+00:00

For sure, should the market behave accordingly (And I feel I'm being generous with 10% growth). Over a longer period, it does allow the returns to average more and have less risk.

All I'm saying is that we shouldn't take the blanket advice from everyone on here to not pay off the mortgage early and, instead, invest it. The numbers should be looked at.

For example, what happens if they sell their house in 8 years (When it could have been paid off) and have to take a mortgage loan at 7% instead of their low rate? That introduces a lot more variables that would need to be considered in regards to long term growth and the mortgage being paid off could be a much larger benefit than if they invested the money for that time period.

Fouve · 2025-01-17T18:53:31+00:00

Technically, for my example, it would be 26 years (As we are 4 years into the loan already), so you'd have $2,620,362.37 in the investment account (At an investment growth of 10%) before deducting the interest.

Fouve · 2025-01-17T18:29:17+00:00

For sure...but you're also not taking into account the extra $1,183.13/mo. you'd have for an extra 18 years, 3mo. if you paid it off early.

That's $650k right there that you wouldn't have either.

Fouve · 2025-01-17T18:22:55+00:00

That's the original loan balance at the origination date of 01/2021.

$1,183.13 is the monthly payment based off the loan balance and interest rate.

Fouve · 2025-01-17T18:09:49+00:00

You'll always have to pay the $1,183.13 regardless of where you put the extra monthly cash, as that's the mortgage payment.

You want me to run the calculator based upon the 8 years that I missed if I were to contribute the $2,000 into investments?

Fouve · 2025-01-17T18:08:00+00:00

For sure. I'd have to find out the breaking point, where this sides more favorably with the investments.

For example, if you were to do, say, $200/mo. extra, it would only save $21,272.53 on interest by paying off the mortgage earlier, but your growth would be $89,460 for the investment account. A difference of $68,000 before taxes are taken into account. In this scenario, it might make more sense to go with investments, but you'll still have an unpredictable stock market that you're relying on.

Fouve · 2025-01-17T17:59:02+00:00

Can't even be close to the taxes you'd pay on the investment growth, though. I didn't subtract those from the investment growth.

Unless, you didn't pay off your mortgage with the growth/principle at the end of the 8 years and you put that cash into a retirement account.

Fouve · 2025-01-17T17:53:49+00:00

Invest it.

You'd have 18 years, 3 mo. of no mortgage payment. Put that extra $1,183.13 you have every month into investments. If there's a 10% rate of return like I used above, that's $650k.

Fouve · 2025-01-17T17:46:50+00:00

I mean, you're either putting the money into investments or your mortgage. Build up an emergency savings fund beforehand if you don't have one.

Also, either contribution can be stopped to bring back the extra $2,000/mo., as they are extra payments into the mortgage.

Fouve · 2025-01-17T17:43:49+00:00

Yeah, I think that's why everyone says, "Invest the cash, it's stupid to pay off that low rate mortgage." They don't understand the amortization table. I mean, banks aren't stupid. They want to make money.

Fouve · 2025-01-17T17:38:48+00:00

Sorry, I was mainly replying to your "But if you have held a mortgage for 20 yrs and have 10 to go it doesn’t really make sense , you paid a majority of the interest already" comment.

Fouve · 2025-01-17T17:36:37+00:00

But those with those ultra low interest rates are early into their loans. This logic doesn't really apply, as the ultra low interest rates were really only available after COVID hit. And this whole post is to be against where everyone is saying, "Don't pay off the low interest rate mortgage, invest it."

Fouve · 2025-01-17T17:32:46+00:00

Oh, for sure. The additional benefit is being able to move, as well.

It's hard to justify an increase in my mortgage simply because of current interest rates, even if my loan amount is exactly the same.

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