Search found 130 matches

by InvisibleAerobar
Mon Aug 20, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 43
Views: 4169

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

Fiction: Siddhartha - Hermen Hesse Pickwick papers Sherlock Holmes I am a big Dicken's fan. I think Nicholas Nickleby is my favorite Another fan of Dickens here. Hoping that this isn't too political or polemical, but I find the message to resonate, as there are a lot of economic similarities betwee...
by InvisibleAerobar
Sun Aug 19, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Short term pain, long term gain?
Replies: 8
Views: 527

Re: Short term pain, long term gain?

I have been offered a GS position in the DC area (GS 11-8) and will be relocating with my family. I used to live in that area making 130k so this will be a massive pay cut (appx. 40k). I am currently contracting in the Tampa area making 95k so this will still be a paycut even without factoring in t...
by InvisibleAerobar
Sun Aug 19, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Short term pain, long term gain?
Replies: 8
Views: 527

Re: Short term pain, long term gain?

I have been offered a GS position in the DC area (GS 11-8) and will be relocating with my family. I used to live in that area making 130k so this will be a massive pay cut (appx. 40k). I am currently contracting in the Tampa area making 95k so this will still be a paycut even without factoring in t...
by InvisibleAerobar
Sat Aug 18, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 87
Views: 3668

Re: Your major and investing/finance?

Chemistry But it has an effect of zilch on my view of personal finance. It's a royal shame that they don't make personal finance a course you must pass before graduating (similar to how some universities require one to be able to swim 50 meters before graduating). "Saw the light" by accident: have b...
by InvisibleAerobar
Sat Aug 18, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 76
Views: 3306

Re: physics/math major looking for programmer/analyst job?

Thanks for the replies! - he’d love to get an ms but doesn’t have a $ to his name - he doesn’t want to become a math teacher - he’s interested in data science, has a good background for it but has not fared well in interviews for those positions. - good idea on the signal processing, etc roles Best...
by InvisibleAerobar
Fri Aug 17, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 103
Views: 5335

Re: Reckless driving ticket in VA-Help!

Thank you for the quick replies! Yes- Clean record otherwise. First ticket in Virginia and no tickets since last 5.5 years! No DUI. My main worry is 'reckless driving' seems to be crime in VA - which may affect any job changes or Secret Clearance needed for Govt jobs here! Thanks for any further in...
by InvisibleAerobar
Fri Aug 17, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 63
Views: 4839

Re: Savings rate per month???

Our trajectory has been similar. To continue the somewhat philosophical discussion, if one has relatively modest tastes, the high savings rate also doesn't represent significant personal sacrifice. It reflects a prudent sense of planning ahead, of course, but at a certain income level (which is COL...
by InvisibleAerobar
Fri Aug 17, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 63
Views: 4839

Re: Savings rate per month???

Tbh, I don't find savings rate to be a useful comparison between wildly different income ranges. On the assumption that one minimally avoids lifstyle inflation, which Bogleheads do, it becomes very easy to save a high percentage just by having a high income and not buying a big house (and if you co...
by InvisibleAerobar
Thu Aug 16, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7091

Re: Why the Yale Endowment Hate?

Being from The Other Institute of Technology I can feel even more superior. ;) Maybe by then they'll have come up with names for all of the buildings. Who needs names at a place like MIT? Numbers will do fine. ok ok, I'll try to stay on topic now.. Calcutta Institute of Tech? Aka, Caltech? ;) Or pe...
by InvisibleAerobar
Thu Aug 16, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Why the Yale Endowment Hate? [Request for portfolio help]
Replies: 107
Views: 7091

Re: Why the Yale Endowment Hate?

Well, I LOVE Yale and what is has made possible for my son , who recently graduated. But, as CurlyDave rightly points out, I’m not immortal, so my portfolio differs from Yale’s (and would even if I had access to what it has access to ). Well, I graduated from MIT, so I can feel superior to both... ...
by InvisibleAerobar
Thu Aug 16, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4626

Re: Men’s Underwear recommendation

Out of curiosity, anyone knows where can purchase briefs for waist size of 30-32? Years ago, I was able to buy briefs of that waist size with no problem. Seems like almost all the brands now cover 28-30 and 32-34, but 30-32 gets nothing. The ones I bought from Amazon fit a bit too much like a size 30.
by InvisibleAerobar
Thu Aug 16, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Fuji FC 440 Carbon Bike Fork and Fuji C7 Carbon Frame
Replies: 7
Views: 236

Re: Fuji FC 330 Carbon Bike Frame

Hi, My neighbor gives out his brand new Fuji FC 330 Carbon Bike frame since he is moving away. How much does this thing worth? Do you know where I can sell this thing? Thanks. KlangFool depending on how old the bike is, you could also trade it in with a dealer (who participates in a network called ...
by InvisibleAerobar
Wed Aug 15, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Where to buy white, athletic fit dress shirt?
Replies: 49
Views: 2285

Re: Where to buy white, athletic fit dress shirt?

I'm looking for a new dress shirt to wear with a suit. Would like something with an athletic fit and that looks nice. I'll only wear it once or twice a year so not looking to spend a ton, unless there's a significant difference in look and quality. Any recommendations? define "spend a ton." Some co...
by InvisibleAerobar
Wed Aug 15, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3069

Re: Best consumer products - made in USA

Schwin, along with Cannondale, is indeed owned by Dorel. Cannondale once upon a time made their aluminum frames in Pennsylvania. Almost no complete bike is "Made in the U.S.A.," as the components are made in Malaysia (Shimano), Taiwan (Sram), or maybe Italy (some Campagnolo). A lot of titanium fram...
by InvisibleAerobar
Wed Aug 15, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2182

Re: Travel over thanksgiving holiday, drive or fly?

If the LGV to Bordeaux had to circumnavigate the steep hills of Connecticut with a saw tooth shore line full of existing towns and houses, it would take a lot more than 2 hours for trains to use it. The TGV to Bordeaux has to traverse quite a few river valleys as well, though point taken re: the se...
by InvisibleAerobar
Wed Aug 15, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2636

Re: 33 Male, how am I doing?

Your rent seems totally reasonable yet you have a 7% savings rate on a six-figure income. So, where is your money going? Well I made like 15k less last year (I switched jobs). After tax income was about 65k (10% into 401k) Assuming I saved ~14% of that, that's 86% left Of after-tax income: 24% rent...
by InvisibleAerobar
Wed Aug 15, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2263

Re: Moving soon; whom to hire to help me move?

Thanks again to all who chimed in. In the end, I picked a company whose price is between that of Allied and what is offered on UShip. I have a lot of items to move (110 for a 1Br), with most of these being in boxes. Will probably need 3 movers two hours to do the prep work (wrap/disassemble furnitur...
by InvisibleAerobar
Tue Aug 14, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3069

Re: Best consumer products - made in USA

Harleys Schwinn I thought Schwinn went bankrupt back in the 90’s and was bought by a Canadian company that now manufactures them in China? Schwin, along with Cannondale, is indeed owned by Dorel. Cannondale once upon a time made their aluminum frames in Pennsylvania. Almost no complete bike is "Mad...
by InvisibleAerobar
Tue Aug 14, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2636

Re: 33 Male, how am I doing?

Hi all! I've been a Boglehead style investor for a while now, but I feel like I'm kind of stagnant. I save as much as I can (recently re-did my budget trying to be more frugal), but I live in an expensive city and as someone who is single it is very hard to save up money for something like a house,...
by InvisibleAerobar
Tue Aug 14, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 612

Re: Optimal fixed income allocation for TSP users with a Roth IRA

i'm gonna get skewered for this, but i'm thinking of buying into the next dip, and quite a bit Well, I'm going to rebalance on the next dip, too. That could be called "buying into the next dip, and quite a bit" if you want to call it that. Opps, actually meant to type just that, at least wrt my TSP...
by InvisibleAerobar
Tue Aug 14, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2182

Re: Travel over thanksgiving holiday, drive or fly?

If I were the OP, I'd take the flight. Back when I lived in NYC, I'd take the 6am flight out of RDU to LGA/JFK. I the flights (offered by, inter alia, Jet Blue, American, and Delta) are literally the first flights of the day at 6a.m., and one gets to avoid a lot of crowds and waiting. There's also n...
by InvisibleAerobar
Mon Aug 13, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 612

Re: Optimal fixed income allocation for TSP users with a Roth IRA

You stated you are in your early 30's. You apparently don't need any of this money anytime soon. Without risk, there are really no gains. So you need to embrace risk in order to get those gains. That's means you have to lose money in order to get gains. There is really no reason not to lose money w...
by InvisibleAerobar
Mon Aug 13, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 612

Re: Optimal fixed income allocation for TSP users with a Roth IRA

Put 30% of your entire portfolio in the G fund. Put equities in everything else including the Roth. I would not use only S&P500 index for the 70% in equities. Since you are able to put $24,000 a year into retirement plans, the $50K going for a home downpayment could be in a 60/40 LifeStrategy fund ...
by InvisibleAerobar
Mon Aug 13, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 704

Re: brother laser printer--OEM or 3rd party cartridges

Just bought a Brother laser B/W laser printer based on this board's recommendations. Should I buy the OEM brother cartridge or 3rd party? Looks like I can save about $20 on Amazon. Is it worth it? TIA I buy both my toners and drum using OEM. The installed software does not like it one bit and will ...
by InvisibleAerobar
Sat Aug 11, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Optimal fixed income allocation for TSP users with a Roth IRA
Replies: 8
Views: 612

Optimal fixed income allocation for TSP users with a Roth IRA

The TSP G-Fund is currently yielding ~ 3%. Highest 2-yr CD is yielding 2.8% (in brokerage/Roth accounts). My TSP contribution is pre-tax, and I reason that this is prudent, as the tax savings therefrom will be sufficient to fund at least 75% of my annual Roth contribution. Assume that I want a 70/30...
by InvisibleAerobar
Fri Aug 10, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2263

Re: Moving soon; whom to hire to help me move?

I recently completed a cross-country move, and had luck using a website called Uship . I listed the contents of what I wanted to move online and shipping companies made bids. The shipper I picked was licensed and bonded, and they came in about 30% less expensive compared to the big household names ...
by InvisibleAerobar
Thu Aug 09, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2263

Re: Moving soon; whom to hire to help me move?

Having moved myself and hired a professional moving company, I will always choose the latter from here on out. By paying extra for the professional moving company: 1. I gain several weeks of time before the move not having to pack up things or make repeated trips to the uhaul place to buy things li...
by InvisibleAerobar
Wed Aug 08, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: auto insurance and amount for first party benefits (esp medical bills)
Replies: 2
Views: 200

Question re: auto insurance and amount for first party benefits (esp medical bills)

Due to my move, I need to update my auto policy. The state I'm moving to in PA (currently in NJ). During the call I was told that if I'm involved in a crash in which I'm at fault and from which I am injured, my health insurance would not pay for the medical bills. Something sounds off about this, as...
by InvisibleAerobar
Tue Aug 07, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2263

Moving soon; whom to hire to help me move?

In the past, I've always hired movers who probably paid Uhaul to advertise for their services. I've done this a total of 3 times, and save for the one occasion when the movers arrived 3-4 hours late, they all went well and without incident. This, however, was before I had a sense of workmen's comp i...
by InvisibleAerobar
Sun Aug 05, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24249

Re: Re:

1. Poirot 2. Spock 3. Jean-Luc Picard 4. Snoop (The Wire) 5. Malcolm Reynolds (Firefly) 6. Tyrion Lannister (Game of Thrones) 7. Saul Goodman (Breaking Bad, Better Call Saul) 8. Piper Chapman (Orange Is the New Black) 9. Starbuck (Battlestar Gallactica) 10. David Tennant (Dr. Who) Many of those sho...
by InvisibleAerobar
Sun Aug 05, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I actually find AA munis with TEY that exceeds 2-year CDs?
Replies: 0
Views: 131

Where do I actually find AA munis with TEY that exceeds 2-year CDs?

Poster Kevin M's helpful threads have got me thinking about putting money I originally intended for a down-payment into short-term munis (everything will be in a brokerage account). The problem seems that I'm having issues finding any munis that'd be worth my trouble. A new-issue 2-year CD at Schwab...
by InvisibleAerobar
Thu Aug 02, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4048

Re: Ticks and common sense?

Hi Bogleheads! I live in an area where I've heard ticks have become more common. And, I've read up on the issue including at the CDC https://www.cdc.gov/ticks/avoid/on_people.html My question, for those of you in living in such area, what common sense precautions do you take, short of no longer goi...
by InvisibleAerobar
Wed Aug 01, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2171

Re: Durable Dress Shoes for Commute

shoebank.com has been a life saver for me. High quality Allen Edmonds Factory seconds (I have 4-5 pairs and have not once been able to see or notice any type of blemish). Outstanding value. A few pairs I've had for 7-8 years. Yup. +1. You can also recraft them after you inevitably blow out the sole...
by InvisibleAerobar
Tue Jul 31, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3214

Re: What’s your Value Colombian coffee?

I love coffee. Specifically Colombian coffee. Recently I read an article that one should not buy bulk coffee at Costco as beans tend to lose flavor after 2 weeks. Does anyone have a recommendation on some good value Colombian coffees that tend to turn on the shelf quickly? Preferably whole bean? de...
by InvisibleAerobar
Tue Jul 31, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10233

Re: Peloton spin bike worth the high cost?

Now let’s talk value. Zwift requires a bike, a trainer, a computer (bike), power pedals/hr monitor and a sizable display (let’s call it an iPad). Peloton is $2500 or so and $30 a month after a year. A good bike, $1500. Great bike, at least $5000 if you are elite. Power pedals, computer, hr monitor ...
by InvisibleAerobar
Mon Jul 30, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10233

Re: Peloton spin bike worth the high cost?

Never done a spin class - does the resistance change? Been casually looking for an auto resistance changing trainer for use with Zwift. What's a good way to get that on the cheap? define cheap $450 or so gets you an interactive wheel-mount trainer. Tacx Vortex, Wahoo Kickr Snap, Cycleops Magnus Ind...
by InvisibleAerobar
Mon Jul 30, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10233

Re: Peloton spin bike worth the high cost?

I suppose you can pay attention to the social media. I don’t really know how to do it, and wouldn’t if I did. I’m sure it’s not hard. for the record, I don't currently use any social media. But I do know that when I was still using FB (about 1.5 years ago), I'd constantly be plastered with ads from...
by InvisibleAerobar
Sun Jul 29, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10233

Re: Peloton spin bike worth the high cost?

Likelihood that someone finds practicing yoga in a third world setting attractive? Not very high. Likelihood that someone is drawn to practicing yoga with a glossy shoot done in a well-lit post industrial loft, in the company of the lithe and limber? Much higher. Same thing is going on here. YMCA h...
by InvisibleAerobar
Fri Jul 27, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10233

Re: Peloton spin bike worth the high cost?

Other option for cyclists like myself is a Smart Trainer and the Zwift platform app. I have my older road bike mounted on a Wahoo Kickr connected via ANT+ wireless dongle to Zwift platform. Good for rainy day and winter training. Several courses to chose from and many riders to ride along with. I t...
by InvisibleAerobar
Fri Jul 27, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Wheres a good store to buy Sports Coats?
Replies: 11
Views: 982

Re: Wheres a good store to buy Sports Coats?

Wheres a good store to buy Sports Coats? everyone's definition of good is different; no different than asking someone what's a good car to buy? For someone spending 20-30k, Camry V6. For someone spending 40-50k, perhaps Lexus LS. In which analogous tier are you interested? The Camry equivalent woul...
by InvisibleAerobar
Mon Jul 16, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Saved up down payment, but may not be buying soon; where to place money
Replies: 2
Views: 362

Saved up down payment, but may not be buying soon; where to place money

Long story short, due to certain changes, I'm no longer considering buying a house in the short term. I've saved up about 80k and would like to have that money earn more than what I'm currently getting from online savings account (1.75%). About 30k of this I'll keep as my short-term rainy-day fund (...
by InvisibleAerobar
Mon Jul 16, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10233

Re: Peloton spin bike worth the high cost?

Other option for cyclists like myself is a Smart Trainer and the Zwift platform app. I have my older road bike mounted on a Wahoo Kickr connected via ANT+ wireless dongle to Zwift platform. Good for rainy day and winter training. Several courses to chose from and many riders to ride along with. I t...
by InvisibleAerobar
Sun Jul 15, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33879

Re: What is/ was your career and would you recommend it now?

Hey, I just wanted to say thank you for what you do. I went to a big public undergrad then a big public medical school. The big wig researchers get all the press, but I don't know what I would have done without the non-research track faculty at both places. You guys are so much better at teaching s...
by InvisibleAerobar
Thu Jul 12, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5745

Re: Is expensive olive oil worth it?

I buy my Olive oil from Costco and use it in a lot of ways. I also use Peanut oil for popcorn and canola for higher heat dishes, although recently I've been thinking of using an alternative for those in either coconut or avocado oils. or just butter coconut oil has a strong flavor. good in curries ...
by InvisibleAerobar
Thu Jul 12, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3846

Re: Auto Tariffs: time to buy?

I need a new minivan (either a Honda Odyssey or Toyota Sienna) in the next year or so. Ideally, I would wait until I actually need the car, but the proposed tariffs are creating a fair amount of uncertainty. Does anyone know whether the tariffs would hit just cars assembled abroad or whether it wou...
by InvisibleAerobar
Thu Jul 12, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3846

Re: Auto Tariffs: time to buy?

Have you considered waiting to buy one of the newer models that burns coal? Maybe this one? 8-) https://upload.wikimedia.org/wikipedia/commons/thumb/e/e6/611_on_turntable.jpg/640px-611_on_turntable.jpg that is a beaut of a locomotive Put Amtrak services to shame. Those trains averaged 60 mph btwn C...
by InvisibleAerobar
Thu Jul 12, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5745

Re: Is expensive olive oil worth it?

Even almost 7 years later, I can still remember listening to this podcast on olive oil. http://www.wbur.org/onpoint/2011/12/02/ ... -olive-oil

Key question is how do you know the true provenance of your olive oil.
by InvisibleAerobar
Wed Jul 11, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4762

Re: 30 Year vs 15 Year Mortgage

You can always pay a 30-year mortgage off early and even on a 15-year schedule if you wish. So there's really no downside to choosing the 30-year, especially if you are reaching a bit to afford the house. The 30-year gives you some breathing room. If you're not certain you'll be in this job/communi...
by InvisibleAerobar
Wed Jul 11, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4762

Re: 30 Year vs 15 Year Mortgage

The term of the mortgage is irrelevant. If you have 12 months of expenses saved up, you're obviously broke after 12 months. At least with the 15 you will have more equity if that does happen. You could potentially walk away with some tax free earnings too. Not arguing here for paying 30-yr as a 30-...
by InvisibleAerobar
Wed Jul 11, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4762

Re: 30 Year vs 15 Year Mortgage

You can always pay a 30-year mortgage off early and even on a 15-year schedule if you wish. So there's really no downside to choosing the 30-year, especially if you are reaching a bit to afford the house. The 30-year gives you some breathing room. If you're not certain you'll be in this job/communi...