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Old 06-27-2016, 11:23 AM  
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Old 07-03-2020, 04:55 PM   #5581
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Bought my first home. I got a 2.5% mortgage rate on a 30 year fixed conventional and a 5K first time home buyer grant which I can apply to down payment or closing costs. Boom boom pow.
That's awesome! Get an amortization that you can look at and put in additional principal payments and get that sucker paid off in 10 years and save 100K
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Old 07-03-2020, 05:07 PM   #5582
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Bought my first home. I got a 2.5% mortgage rate on a 30 year fixed conventional and a 5K first time home buyer grant which I can apply to down payment or closing costs. Boom boom pow.
Nice work. You have achieved a key element of the American Dream.
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Old 07-03-2020, 05:25 PM   #5583
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How do you go about getting the 5K first time grant?
FHLB Topeka. Look there for info. I tried to post a link but I'm new and CP won't let me.

Applies to folks in Kansas, Colorado, Nebraska, Oklahoma. You need to live there at least 5 years for full benefit which you should any way if you're buying a house. If you move after 3 years you'd lose 2K of the grant. You must make under a certain amount, etc.

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Originally Posted by Hog's Gone Fishin View Post
That's awesome! Get an amortization that you can look at and put in additional principal payments and get that sucker paid off in 10 years and save 100K
That's one way to look at it but you also have to look at the opportunity cost (Can I make more than 2.50% in the stock market instead of paying extra on the mortgage?)

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Nice work. You have achieved a key element of the American Dream.
Thank you sir. Hoping to close on it this month.
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Old 07-03-2020, 07:22 PM   #5584
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Originally Posted by chiefzilla999 View Post
FHLB Topeka. Look there for info. I tried to post a link but I'm new and CP won't let me.

Applies to folks in Kansas, Colorado, Nebraska, Oklahoma. You need to live there at least 5 years for full benefit which you should any way if you're buying a house. If you move after 3 years you'd lose 2K of the grant. You must make under a certain amount, etc.


That's one way to look at it but you also have to look at the opportunity cost (Can I make more than 2.50% in the stock market instead of paying extra on the mortgage?)

Thank you sir. Hoping to close on it this month.
Hard to argue against making an extra payment or so each year, or a little extra each month. Most would agree though paying off a house all at once if you're in a position to is less profitable than investing that money, especially at that rate.
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Old 07-03-2020, 07:30 PM   #5585
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Hard to argue against making an extra payment or so each year, or a little extra each month. Most would agree though paying off a house all at once if you're in a position to is less profitable than investing that money, especially at that rate.
30 years is a long time to have a debt hanging over your head so I could see paying it off just for the peace of mind even if it doesn't make the most sense for financial gain. I think later in life is when I would make the more aggressive payments as my investments would become more conservative anyway.
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Old 07-03-2020, 08:16 PM   #5586
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30 years is a long time to have a debt hanging over your head so I could see paying it off just for the peace of mind even if it doesn't make the most sense for financial gain. I think later in life is when I would make the more aggressive payments as my investments would become more conservative anyway.
I had the same philosophy. My financial goals started with the goal of keeping myself from being homeless. I was willing to push harder on the house payments to achieve that goal first and foremost. It's a nice feeling to know that my home is paid for and all mine.
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Old 07-03-2020, 08:28 PM
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Old 07-03-2020, 09:20 PM   #5587
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Old 07-06-2020, 08:11 AM   #5588
lewdog lewdog is offline
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How far does NKLA fall?

My stop loss hit at $57 today.
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Old 07-06-2020, 08:20 AM   #5589
Hammock Parties Hammock Parties is online now
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How far does NKLA fall?

My stop loss hit at $57 today.
who cares

you're a sucker if you sell NKLA

this time next year it will be over 100
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Old 07-06-2020, 08:26 AM   #5590
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who cares

you're a sucker if you sell NKLA

this time next year it will be over 100


What if I profit now and buy in cheaper later provided this isn’t just a sales pitch company?
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Old 07-06-2020, 08:27 AM   #5591
Hammock Parties Hammock Parties is online now
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What if I profit now and buy in cheaper later provided this isn’t just a sales pitch company?
You're a filthy short who doesn't realize the true value of this company.

Get lost.
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Old 07-06-2020, 08:40 AM   #5592
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who cares

you're a sucker if you sell NKLA

this time next year it will be over 100
I 100% don't get it. Their hydrogen tech seems like it's got a 10% chance of working, and their battery tech isn't anything that a dozen other manufacturers aren't working on.
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Old 07-06-2020, 09:04 AM   #5593
lewdog lewdog is offline
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I 100% don't get it. Their hydrogen tech seems like it's got a 10% chance of working, and their battery tech isn't anything that a dozen other manufacturers aren't working on.
This.

Ride the speculative bubble and nothing more.

Can you say NIO?
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Old 07-06-2020, 09:29 AM   #5594
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I 100% don't get it. Their hydrogen tech seems like it's got a 10% chance of working, and their battery tech isn't anything that a dozen other manufacturers aren't working on.
sure thing bud

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Old 07-06-2020, 09:33 AM   #5595
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Okay gents what trading platform do you use for regular trading with extra money? I had used Robinhood before but am open to new platforms. E*Trade a good platform?
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