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Not supersticious, just a little sticous. Sideways trading allll day baby!

Discussion in 'Stocks & Investments' started by kairo, Oct 6, 2020.

  1. May 5, 2021 at 12:08 PM
    Silver02Taco

    Silver02Taco A dude that don't abide...

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    Definitely not the virtue-signaling... :anonymous:
     
    241240 likes this.
  2. May 5, 2021 at 12:10 PM
    Iwilltaco

    Iwilltaco Well-Known Member

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    And yet, when does it matter?
     
  3. May 5, 2021 at 12:11 PM
    kairo

    kairo [OP] I just like the stock

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    Reno
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    Sometime before June 9th
     
    Nimble9 and 98tacoma27 like this.
  4. May 5, 2021 at 12:18 PM
    gpb

    gpb Well-Known Member

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    not_nick and TreeFortRichard like this.
  5. May 5, 2021 at 12:19 PM
    kairo

    kairo [OP] I just like the stock

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  6. May 5, 2021 at 12:24 PM
    TreeFortRichard

    TreeFortRichard Hmmm..$o many repairs?

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    Well...just follow this detailed plan...
    [​IMG]
     
  7. May 5, 2021 at 12:25 PM
    TreeFortRichard

    TreeFortRichard Hmmm..$o many repairs?

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    Holy shit I spelled OFF wrong and I'll sit here and stew in it like a good little boy :)
     
  8. May 5, 2021 at 12:27 PM
    gpb

    gpb Well-Known Member

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    yeah, right?

    Guess we shoulda gone that route instead of refinancing to a 1.99% 15yr fixed. :D
     
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  9. May 5, 2021 at 12:28 PM
    TreeFortRichard

    TreeFortRichard Hmmm..$o many repairs?

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    That's almost the same equation of $$ vs Inflation...
     
    GarlicFarts likes this.
  10. May 5, 2021 at 12:28 PM
    gpb

    gpb Well-Known Member

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    *shrug*

    it works with the handwriting style...


    :boink::D
     
  11. May 5, 2021 at 12:30 PM
    gpb

    gpb Well-Known Member

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    Yep. We were three years into a 3.875% 30yr fixed and no plans to move in the forseeable future (10-20yrs), so it was truly a no-brainer.
     
    TreeFortRichard likes this.
  12. May 5, 2021 at 12:43 PM
    TreeFortRichard

    TreeFortRichard Hmmm..$o many repairs?

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    GarlicFarts, moto.mike and gpb like this.
  13. May 5, 2021 at 12:52 PM
    GarlicFarts

    GarlicFarts Bang Ding Ow

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    We just re-fi'd from 4.25 down to 2.625, and in doing so ditched PMI.

    If we wouldn't have ditched PMI, there was a maybe we would have left it. BUT we were also 3 years in (Sep 2017 to Jan 2021), we DO have plans to move but closer to 2+ years out, with ditching PMI not being "free" anyway (unless we dropped like 20k onto the mortgage to bring the principal down), for only a few more bucks we re-fi'd and got a lot out of it, and will be in the green by ~October this year, if I remember my math correctly.
     
    CowboyTaco and TreeFortRichard like this.
  14. May 5, 2021 at 12:53 PM
    GarlicFarts

    GarlicFarts Bang Ding Ow

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  15. May 5, 2021 at 1:08 PM
    kairo

    kairo [OP] I just like the stock

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    And another day of GME hitting record low volume. Nothing to see here, fair and unbiased markets.
     
  16. May 5, 2021 at 1:08 PM
    Fohu

    Fohu Well-Known Member

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    hopefully picked a good day to try my luck with some tqqq 106$ calls
     
  17. May 5, 2021 at 1:16 PM
    gpb

    gpb Well-Known Member

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    yeah, ditching PMI also helps a lot -- particularly if during closing you get a higher appraisal helping your LTV

    As you say - breakeven is really the key factor. For us that'll be 12 months from closing, so even if we have a surprise in two or three years we'll still be way ahead.
     
    GarlicFarts likes this.
  18. May 5, 2021 at 1:20 PM
    Slashaar

    Slashaar Trail Limo Supreme & Certified Hole Massager

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    So I'm confused, is the 20% just the percentage of the homes appraised value or 20% of the original bank note? I need to refinance (my rate is 5.54%) but I'm not sure we've paid in 20% of the original note and don't currently pay PMI because of the First Time Home Buyers Loan we used. Rates right now would shave our long term costs tremendously!
     
  19. May 5, 2021 at 1:20 PM
    BudFriendguy

    BudFriendguy Finger Sniffer

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    Guise wadu heck wen Ritch?!
     
    98tacoma27 likes this.
  20. May 5, 2021 at 1:24 PM
    gpb

    gpb Well-Known Member

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    PMI is typically based on loan balance vs home value.

    When you buy it they base it more on the purchase price than appraised value as I understand it - yet if the market is going up a later refinance can sometimes get you out of PMI.
     

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