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Old 12-03-2009, 05:50 PM  
Hoover Hoover is offline
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Sold My House
Well we sold our home today. Its been on and off the market from almost three years. It has been a painful experience and we finally opted to sell it for less than we bought it five years ago.

Anyway, its kind of like we are starting over as property owners. We are going to sit and wait to see what the market does before we take on a huge amount of debt again. I have a feeling its going to be pretty bad after the holidays.

Anyway, glad to be done with it, glad to get rid of a huge commute for my wife, and glad to finally be moving on with our lives.

Hoov
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Old 12-04-2009, 10:59 AM   #31
BWillie BWillie is online now
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While I don't disagree with anything you have said, it's important to note that all this advice is only relevant if you plan to stay in your home the full 20x plus years. If not, then really you're giving the bank an interest free loan on your money.
If ANYTHING, it's best to pay a ton more early in your loan. If you get your principal down real low you won't have much of a compounding interest to start with. I don't care what I'm giving my bank as long as it's helping me. I don't think the bank would even want you to pay the loan back early, less interest for them.
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Old 12-04-2009, 11:00 AM   #32
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I didn't know it would make that big of an impact. I'm going to check into doing this...that's a huge difference.

So using this payment calculator - http://www.hsh.com/calc-amort.html - you would knock 10.5 years off your loan and save almost 40% on the interest by paying an extra 25% per month. Heck, paying even 10% more per month will cut your loan by 5.5 years and interest by 21%.
Yeah it's crazy. I was floored when I looked at an amortization chart about how much I was getting screwed w/ interest.
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Old 12-04-2009, 11:04 AM   #33
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I dip into your website frequently, usually several times per week
I've alerted moveon.org to that place.
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Old 12-04-2009, 12:20 PM   #34
Iowanian Iowanian is offline
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I've alerted moveon.org to that place.
Tell those D-bags I want my $2......Caaaaaaaaash.
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Old 12-04-2009, 06:57 PM   #35
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I speak English, French, and Newfi
Ya mind translaten?
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Old 12-04-2009, 08:02 PM   #36
Hoover Hoover is offline
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I dip into your website frequently, usually several times per week
Awesome! Thanks for popping in.
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Old 12-04-2009, 10:00 PM   #37
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Yeah it's crazy. I was floored when I looked at an amortization chart about how much I was getting screwed w/ interest.
Yeah, I put 20% down on a relatively low priced home. Interest doubled the overall cost of the loan. Over 30 years. Needless to say, I don't intend to pay the entire 30 years.
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