Set up autopay to pay the insurance in full.

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Be well

GO BEARS!!!

yeah, taxes is the annoying part. I own a plot of land free and clear and its always a oh crap moment often.

a mortgage can be a psychological anchor around your neck even though the smart money could be to not pay it down and refinance when the rates are low and invest the difference instead of making extra principle payments.

2012 to 2021 was a unique time where you had numerous opportunities at a sub 4% mortgage and a few sub 3% opportunities.

I'm comfortable sitting at 50% equity and having a 2.85 30yr fixed and investing extra money each month instead of putting it in principle. anything over 4% i'd likely try and rid myself of the mortgage as soon as possible. but I imagine as I come close to retirement time (20 years from now) I'll likely be ready to not have a mortgage.

Free and clear property means a whole lot in a state like Illinois where property taxes are often comparable to a monthly mortgage payment.
Debt v. Debt-free is non-discussion. Having the asset free and clear is always the winner. Even more-so now that the higher standard deduction rules out many of us itemizing our taxes.

Congrats on paying off your mortgage. I'm incredibly jealous.

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i refinanced from a 3.45% 30 yr to a 2.85% 30 yr. in the 8 years i've spent doing this, my rate of return on invested "extra principal" has averaged a 7% rate of return even including this year. I'm a few years away from the balance on that account equaling my mortgage balance post capital gains. yeah the standard deduction has hurt from a deduction standpoint but that never really was the purpose anyway.

but being that its literally the only debt I have, Its fine. and when those two balances meet in the middle, I'll decide from there what to do, but feel like I'll probably let it ride.

I bought it in 2007 on a 15 year fixed. Paid a little extra principal now and then but not much. It's a good feeling.

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congrats!

Where did you bump into Rick Camp?

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Pegged Cpmp

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Be well

GO BEARS!!!

My new ride. In front of my apartment. Honda Wave 110.

Also, the view from apartment's balcony. About 80' to the beach.

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"Change has come to Amerika."- TFG

Nice. Looks like a nice life. Why do you bother with all these foreign issues?

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O judgment! Thou art fled to brutish beasts,
And men have lost their reason.

That would be a great feeling. My wife and I were only about 10 years out on paying off our little ranch before we moved in 2019 to a much bigger place. While we love where we are at, there have been many headaches along the way and the larger mortgage is one of those. Happy for you Franky.

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Flew too close to the sun on wings of pastrami

Perfect!!!

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My Econ professor won the Nobel Prize.

I am not listed on his CV as a distinguished student he has taught.

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You know me like that.

Pretty good brag. Don't think it qualifies.

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Wattabout Kodak Black?

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Hawaii (fuck) You

Ben Bernanke?

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No, he's just a friend. One of the other guys.

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You know me like that.

My youngest daughter finished up her high school tennis career with a combined singles and doubles record of 129-39 which ranks as the 15th best in Missouri state history. Pretty cool way to end things.

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"He is a loathsome, offensive brute
--yet I can't look away."

Congratulations!

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Be well

GO BEARS!!!

Add a +1 to that. Even more impressive considering they play on dirt there.

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2018
#ExtendLafleur
10 More Wins

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"He is a loathsome, offensive brute
--yet I can't look away."

nicely done RFDC's daughter !

That's great. Proud papa moment.

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Flew too close to the sun on wings of pastrami

is that cuba?

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'Your AT&T Universal Card has arrived'? Oh God, Kick-fucking-ass, I got a Master Card! I don't believe it, man. Life is kinda cool sometimes.

Probably Southeast Asia...they prefer his kind there.

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Yup. Cignal is a Filipino telecommunications provider.

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This made me think of and look up Fred Gottheil. Apparently he died of pancreatic cancer in 2016. Then Anita Feller came to mind and I looked her up. Died of pancreatic cancer in 2011. I think I'm done looking up former college professors. I don't dislike anybody that much.

It’s looking pretty promising that I’ll be taking a new position inside my current company. It’s a lateral move within my field but allows me to work with a completely different product line after being involved with the current one for 15 years. Big change but a chance to make an impact with an industry leading item.

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Flew too close to the sun on wings of pastrami

It better have an app with good discounts.

The more important question is; Do they microwave their pizza?

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