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SVTPerformance's Chain of Restaurants
Road Side Pub
15-year fixed vs 30 year fixed for $80,000 mortgage.
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<blockquote data-quote="NeedaCobra" data-source="post: 4688756" data-attributes="member: 9461"><p>Thanks for all the helpful advice and number-crunching.</p><p></p><p>I do like to avoid debt. I'll probably go with a 30 at first then when school/work, etc. is more steady and secured, I can get it paid off either with extra payments or refinancing if the Fed. hasn't raised rates too much at that time.</p><p></p><p>Until then, more watching and listening to Dave Ramsey, Suzie Orman, Jim Cramer (Booyah!), etc. :-D</p><p></p><p>Also, what has hindered me most so far in investing is small credit card stuff here and there. The interest paid on those is more than I would most likely gain in the market, so that's another reason why debt (at least at high interest rates) hinders personal finances. You can never see the effects of compounding interest 'cause you're paying that interest to someone/something else instead of realizing it at the end of the month. :read:</p><p></p><p>BTW, I am sorta against buying a new car (except with cash), as they just lose value so much. I usually just drive cheap cars, because after all, all it does is get you from point A to point B. I know too many people who think March's tax return means they're supposed to get a new car. <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite7" alt=":p" title="Stick Out Tongue :p" loading="lazy" data-shortname=":p" /></p></blockquote><p></p>
[QUOTE="NeedaCobra, post: 4688756, member: 9461"] Thanks for all the helpful advice and number-crunching. I do like to avoid debt. I'll probably go with a 30 at first then when school/work, etc. is more steady and secured, I can get it paid off either with extra payments or refinancing if the Fed. hasn't raised rates too much at that time. Until then, more watching and listening to Dave Ramsey, Suzie Orman, Jim Cramer (Booyah!), etc. :-D Also, what has hindered me most so far in investing is small credit card stuff here and there. The interest paid on those is more than I would most likely gain in the market, so that's another reason why debt (at least at high interest rates) hinders personal finances. You can never see the effects of compounding interest 'cause you're paying that interest to someone/something else instead of realizing it at the end of the month. :read: BTW, I am sorta against buying a new car (except with cash), as they just lose value so much. I usually just drive cheap cars, because after all, all it does is get you from point A to point B. I know too many people who think March's tax return means they're supposed to get a new car. :P [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
15-year fixed vs 30 year fixed for $80,000 mortgage.
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