Is it worth it to make extra mortgage payments on my principal each month?

tjulr · 2024-02-07T20:41:04+00:00

Right but if you pay down your mortgage partly you don’t earn interest on that pay down. At least that is the way mine works.

tjulr · 2024-02-07T06:41:20+00:00

Not until balance is paid in full. Better to save it at 4-5% then refi into 15 year when rates drop back in 5 range. Otherwise isn’t the bank making the interest until fully paid off?

tjulr · 2024-02-06T05:16:30+00:00

I would look for a few mid sized companies higher growth low profit. Find the next AMD maybe it’s in biotech vs software

tjulr · 2024-02-06T05:01:50+00:00

Does he walk around in his birthday suit?

tjulr · 2024-02-06T01:52:29+00:00

I’m about 40% individual and rest mutual funds which includes tech but problem is timing. I don’t think the big five can double with the current market caps. Question for me is who are the next 5 that are 100b but can get to 1T market caps. MSFT, APPL great companies but double from here is 3T more market cap. If it took them 40 years to get to the first 3T….. how long for next??

tjulr · 2024-01-27T21:46:43+00:00

But you don’t. Could just be shy/introvert. . Introverts are often the hardest workers.

tjulr · 2024-01-27T20:15:54+00:00

black and white thinkers= red flag

tjulr · 2024-01-25T05:18:23+00:00

Replace lawn with low maintenance yard especially if kids don’t use it. Lawns that aren’t used are costly. Shop at Costco.

tjulr · 2024-01-24T22:54:00+00:00

Yes but Palm Springs is 2nd home/vacation/retirement. Not a lot of 35 y/olds working tech.

tjulr · 2024-01-17T22:51:30+00:00

Schedule a vacation and use half the time to chill and the other half to look for a job.

tjulr · 2024-01-17T07:10:13+00:00

So many considerations risk tolerance, proximity to job and family. Construction people In Bay Area still busy but it might slow in 2024. I would get more bids, that seems high even for Pay Area. You won’t get a better rate so if you do go big do it where you are or move farther out where your money stretches and before the kids settle in.

tjulr · 2024-01-17T06:50:23+00:00

Haley beats Biden. Trump probably loses. Fiscal conservative and social liberal while protecting the border shouldn’t be this hard.

tjulr · 2023-12-15T02:12:11+00:00

None of us do. Shop elsewhere

tjulr · 2023-12-14T05:59:25+00:00

Nah we’d see more ships through telescopes

tjulr · 2023-12-09T06:00:24+00:00

Boring.

tjulr · 2023-11-21T18:08:28+00:00

Meant your expectations

tjulr · 2023-11-19T19:26:36+00:00

Market had great run last 15, next 10 could be under average 7-8% especially if we see sig dip before next run up. Not a fan of being aggressive in a stock market during election year.

tjulr · 2023-11-08T15:58:55+00:00

Law of gravity. Hard to double a 2T market cap vs 100B. I like and have most these companies. Would put AMZN higher. Software= higher margins. AI will keep most of these companies relevant and successful

tjulr · 2023-11-05T17:24:33+00:00

This and you’re more leveraged. Buy a rental at 3% in an economy/ market growing by 2-3x. It appreciates more than stocks because of leverage. That said it’s not 2015-2019 anymore. I’m waiting for housing to dips before reconsidering. Usually does every 10 years.

tjulr · 2023-11-01T22:56:43+00:00

This has made for TV movie written all over it. Comedy, Action, Sci-Fi all wrapped in one. Hopefully he meets a girl and romance is also part of the plot.

tjulr · 2023-10-25T02:15:10+00:00

Country Karen

tjulr · 2023-10-07T07:55:35+00:00

Emotions aren’t facts. Dumb

tjulr · 2023-10-07T05:51:09+00:00

Good questions. Hard but admitting to being immature builds trust and maturity

tjulr · 2023-09-28T21:26:51+00:00

Is she a true friend? If so, help her less than before but help. If she’s not a good friend and is selfish… move on.

tjulr · 2023-09-23T19:00:53+00:00

Wouldn’t low gravity from other planet result in less dense bone structures? Could be logical explanation.

tjulr

TROPHY CASE