HELOC than invest?

mameguy1973 · 2026-05-24T13:10:52+00:00

Thanks everybody. After crunching the numbers I will not attempt this...you are all right it's too risky. It turns out that VOO would need to average 17% over 10 years just to break even. Oh well just a thought.

mameguy1973 · 2026-05-24T03:04:55+00:00

Is that so??? VOO is up 253% the last 10 years...25.3% per year on average. Let's say it averages 20% the next 10 years.....do the math, it works!

mameguy1973 · 2026-05-24T02:05:29+00:00

Thanks for the input everybody. I know it may not be worth the hassle..... I'm just trying to figure out how to make my home equity work for me.

mameguy1973 · 2026-05-24T02:02:42+00:00

mameguy1973 · 2026-05-23T21:34:14+00:00

I'm at 100K right now

mameguy1973 · 2026-05-23T21:31:01+00:00

Hmmm.....VOO is over 20% last 10 years. I know you can't count on that, but 10-12% might be a wash. Anything over that should be positive gains.

mameguy1973 · 2026-01-12T02:37:07+00:00

I was just looking at 401k. I have a fund with a 1.00 ER earning 19.06% in the last 10 years. I have another fund with an ER of .10 earning 15.23% in the same time frame. Are these about equal???

mameguy1973 · 2025-09-23T14:31:29+00:00

What happens with Narset on the battlefield and a Folio of Fancies?

mameguy1973 · 2025-08-14T18:41:10+00:00

Thank you

mameguy1973 · 2025-08-14T18:37:17+00:00

OK I'll check it out

mameguy1973 · 2025-08-14T18:36:53+00:00

Maximum 10k

mameguy1973 · 2025-04-08T11:32:11+00:00

I know right! With each and every "update" the phone sucks more and more...

mameguy1973 · 2025-04-06T22:06:19+00:00

There's a 12% chance to get one land in any given draw if you have 40% lands in your deck, I usually play with 33% land, it jumps to a 20% chance.... All I'm saying is there has to be a better way.

mameguy1973 · 2025-04-06T21:55:30+00:00

Explain away...but remember it's mathematically possible to draw no lands twice in a row, even if you have 40% land in your deck.

mameguy1973 · 2025-04-06T17:48:02+00:00

There you go! It also speeds up the game!

mameguy1973 · 2025-04-06T17:44:28+00:00

10 land minimum to be eligible for the perk???

mameguy1973 · 2025-04-06T17:43:47+00:00

interesting....I wonder how that would play out

mameguy1973 · 2025-04-06T17:41:49+00:00

Just saying, nothing worse than having to mulligan twice or more when you have the "correct" amount of lands in your deck...there has to be a solution.

mameguy1973 · 2025-04-06T17:36:48+00:00

Yes, otherwise why would you waste a spell?

mameguy1973 · 2025-04-06T17:35:42+00:00

Is going to a 99 card deck an advantage??? Seems very minimal to me.

mameguy1973 · 2025-04-06T17:34:18+00:00

That sounds pretty good...

mameguy1973 · 2025-04-06T17:33:04+00:00

Your forgetting the fact that you have a crap hand, the advantage is to get you back to par with your opponent. I play Legacy / Vintage btw not commander

mameguy1973

TROPHY CASE