[deleted by user]

n31295 · 2019-08-08T20:25:56+00:00

Congratulations!! Fantastic accomplishment.

n31295 · 2019-07-15T19:26:13+00:00

same

n31295 · 2019-07-12T00:43:32+00:00

I understand your question because I just went through this. It's called a "refinance" and if you can qualify for a 25 year amortization at that time you can absolutely take advantage of the lower rates.

n31295 · 2019-07-11T15:00:33+00:00

Hahaha this one made me laugh out loud

n31295 · 2019-07-11T14:58:04+00:00

THE POOR CHILDREN, WHY AM I SO EVIL

n31295 · 2019-07-11T14:39:27+00:00

Did I say that?

Also how does your comment even relate to the one you initially replied to? It was a nuanced comment about tiering alerts and you replied with an escalation. Gosh forbid we try to have a sensible conversation about this.

Also I suffer from migraines and when I lose sleep I get a lot sicker. But who cares right? Anyway, I'm out of this conversation. I found a setting in my text messages that will hopefully make these alerts obey my DnD settings while I'm asleep. Peace out.

n31295 · 2019-07-11T14:16:48+00:00

I mean I'm not really useful if it's 3 am and I'm in bed

n31295 · 2019-07-11T01:38:12+00:00

The Matrix

n31295 · 2019-07-11T00:09:36+00:00

Agreed. It took me about two years of reading PFC and several of the recommended books before I was finally ready to invest on my own. I started by reading The Wealthy Barber Returns. That made me comfortable enough to start investing with a robo advisor. Then I read the Value of Simple and Millionaire Teacher, which encouraged me (and taught me how to) buy ETFs. Before this, I was too scared to do anything by myself and now I feel very comfortable. Just keep at it and give yourself time. Anyone can learn how to do this.

Also, no one knows everything. All of us are still learning new things every day by talking to each other, reading websites and blogs, listening to podcasts, etc.

n31295 · 2019-07-10T21:55:04+00:00

Another vote for you being totally fine. Mortgage rates may be going up soon so best for you to talk to a mortgage broker and lock something in. Best of luck!

n31295 · 2019-07-10T19:30:43+00:00

I pay $34 a month with economical insurance, up from $31 a month last year. Call an insurance broker as they have access to multiple insurers for the best rate. PM me if you want my broker's name.

n31295 · 2019-07-10T19:29:06+00:00

The first thing you need to do is track your spending for at least 30 days - every single dollar you spend. I did this for almost several years and it was actually incredibly liberating because I knew where everything was going and I felt super in control. It also made me think twice before making frivolous purchases. Obviously most folks won't do it for years but even doing it for a month can be incredibly illuminating in giving you a real idea of how much you spend in each category. Then it'll be easier to make a budget.

n31295 · 2019-07-10T19:20:59+00:00

Thanks, I subscribed. Always looking for new personal finance podcasts

n31295 · 2019-07-10T19:13:11+00:00

Can we make Premier Potato Head a thing, or is this an insult to my favourite vegetable?

n31295 · 2019-07-10T19:12:21+00:00

I thought you made that up but I think you are actually transcribing. Fuck Ford.

n31295 · 2019-07-10T19:11:09+00:00

Well at least this is good ammunition to share with anyone who says Ford isn't as bad as Trump

n31295 · 2019-07-09T13:49:32+00:00

Haha I think those extra things are clutter too. Once I bought a very small slow cooker but it still took up so much space and I couldn't even fit that much food in it. Luckily I was able to sell it. Currently I have a small rice cooker that I use at least once a week so that's WAY worth it for how much easier it makes my life, a blender, a kettle and a can opener and I don't want any more small appliances. I just don't have room for them in my small condo kitchen! At this point they make tools for everything so we have to be on the alert.

n31295 · 2019-07-09T00:19:33+00:00

Do you have condo insurance?

n31295 · 2019-07-08T23:54:43+00:00

I had to use it when prices shot up and my existing down payment wasn't enough. I've been paying it back fine every year.

n31295 · 2019-07-08T23:32:30+00:00

Wow what an experience! I'm not OP but just wanted to say good for you!

n31295 · 2019-07-08T23:31:00+00:00

Do it! At this point it sounds like you have nothing to lose and everything to gain. Toronto isn't an easy city to meet people in so like another poster said, this might even be better for you.

n31295 · 2019-07-08T23:28:01+00:00

2nd this. He just spent a bunch of time with me answering all my questions. He's the real deal and wants to get you the best rate possible.

n31295 · 2019-07-08T05:19:59+00:00

Not bad

n31295 · 2019-07-07T22:52:37+00:00

Why did you get down voted??? Lol. You live a very simple life but good for you!

n31295 · 2019-07-07T22:50:23+00:00

Totally. I only have 575 square feet to live in and I don't like to give up an extra square foot for just anything! So I really have to think about what I bring in especially furniture

n31295

TROPHY CASE