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It would be impossible to model because everyone has different interset rates, is in different tax brackets, claims differently, etc... you'd have to model it for yourself

Dude, like I already stated, I'm talking about average investors and the advice they're given. And as I already stated most people don't even know about vanguard funds and even less invest in just one or two like you do. Why are you so pissed off? This whole discussion, for me anyway, has been...

Don't worry about it Onoes. My girlfriend asked me if I had ever had my prostate stimulated during sex. I said no but maybe I'd be on board. She then asked if I would ever let her stick a dido up there. I said nope and asked her why that interested her. Turns out she wanted to strap it on...

Cad, 9% is not the average investors rate of return. I linked a Forbes article showing that average rate of return for the average investor has been 2.6% over the last 10 years

If you ask me it's the best way to compare them because that's the real life, true opportunity cost. There is no point in getting a 30 year fixed and paying down early if you can afford to do so. Interest rates are always lower on a 10 year fixed so always go with the shorter term because you'll...

Leave to let her simmer. That works when you're dating someone who is severely emotionally immature. It won't work on a functional well adjusted woman. It won't work on anyone who has any level of maturity and can actually communicate with their partner, man or woman. It's completely immature to...

As another data point: Total Interest paid over the life of the $218k loan on a 30 year fixed term at 4% is $156,675.52 Total Interest for the 10 year is $37,632.98 Interest paid in the first 10 years on the 30 year loan is the aforementioned $78,640.86. More than double what you would...

OK Here we go. I used this mortgage calculatorMortgage Calculator. As a reference and put 0% for taxes and 0% for PMI because we are only concerned in the difference of interest paid vs stock market gains. Since I've been mortgage shopping I used my own mortgage as the example: 218,000...

To answer your question Deathwing I completely ignored everything after the 10 year loan would have been paid off. Investing the extra 1040/mo you'll have after paying off the 10 year for the next 20 years you still have the 30 year fixed rate blows the 30 year option out of the goddamn water...

This is actually a good exercise because maybe I'm a complete retard. But it's fairly involved so I'm going to work it up and post back here when I'm done and let the sharks swim around it for a while.

I don't like this story.

I completely agree with you over that length of time. Though instead of saying significant let's say 7-8% return rate on average (which is quite good). And at 7-8%, because of how amortization works, there's a good chance you're still paying more in interest in that time frame on a 30 year fixed...

You seem to think that it's a 100% guarantee you'll do better in the market. It's not even close to that. And if you're doing that well it's because you're savvy. Most people aren't. My advice was for the layman. Not the seasoned financial investment guru. Here's the problem I have with what...

She isn't exactly bottling it up

Read my previous post about this. I explained why this isn't true. At all. Just because you made 30% this year on a healthcare index mutual fund that requires you to have invested at least 50k in to begin with doesn't mean that happens year in and year out. There are plenty of years where even...

You won't get any argument from me there. But what man hasn't succumb to the booty?

White knight alert!!! If the story went down the way Onoes tells it, and I actually believe it did. Then yes, she is the selfish one. It's not even debateable. I'm having a hard time understanding how you could think he was selfish? She expects him to come to her She expects him to be...

Someone TLDR it. Is it the red pill men go their own way shit? The type of person who is so pathetic they blame all their failures on everyone else and eventually just give up while simultaneously acting like they are "enlightened" and the rest of us are idiots?

Or you just accept it as typical female behavior. It's not crazy, it's just supremely selfish. I just find it funny that Onoes is acting like his 40 day love affair is longer than any woman has ever gone before giving a guy shit about wanting some alone time.

Is 6 weeks considered a blessing for this kind of thing to you now? You're so used to it only taking a few days that 6 weeks is an eternity? You've got to raise your standards. I'm probably on the other end of the spectrum and need to lower mine, but you've certainly got to raise yours.

Women are always the victim in some people's minds. There's no way she's the abusive one in that relationship simply because she's a woman...

Picking which debt to get rid of first is obviously prudent. But your goal isn't to invest it in the market rather than paying the mortgage off early because you think you can make more money that way. Your goal is getting rid of debt that is more costly to you before you get rid of your...

This is true, however in practical terms most normal people can't even come close to beating paying down their mortgage early by investing what they would pay towards principle instead. Even with interest rates as low as they are now. Especially if it's a newer loan (you have more than 20 years...

Harfle the only thing I'll say is based on my experiences and what I know now 5 years after I purchased my first home on a 30 year fixed I would never, ever again buy a home on 30 year loan. My current belief is if you can't afford the payment on a 15 year loan you can't afford that house. In...

Alright so I normally like to stay out of the terrible screenshot discussion but this one is too good to pass up 1) The text says "You tell Aradune Mithara: wow, we got smoked". So they just changed the tell/whisper chat color to cyan to make it look like they were grouped. Group...

You need to pay for flood insurance. Other than that I have no idea.

So in other words, that disclosure document he sent me with all the shit he had said would be waived is the document you're talking about?

I really liked Hozier's self titled debut this year.

Most people don't think gut wrenching constipation is a benign condition, especially when it's a re-occurring thing. At least, I would hope not. Differences in your stool are pretty much the earliest warning sign something is either fucked with your diet or fucked with your gut.

I think they try open relationships first, and when that doesn't work... oh fuck...

What time should I show up next year McCheese? I'll bring the pepperoni dip

I've already contacted my bank plus other large national banks as well as local companies. I always go over everything including what they charge to buy down interest rates, if they are going to force me to pay for their lawyers (some banks allow you to use your own lawyer for title search...

Anyone have any experience with online mortgage lenders like quicken loans or ditech for a refinance? I had started the application process with a local company after doing some shopping around but noticed on their Federal Truth In Lending Disclosure they included a lot of items and costs...

Why would I petition to remove someone as a developer for a game? Why wouldn't I just not buy the game?

Sounds like someone's got a case of the Sundays

Is that sponsored by Yim Yames?

Science: Cooking Frozen Steaks - YouTube Which is the same video in Joeboo's link

Do you actually havecredithistory? Have you ever held or used acreditcard, had a car loan, personal loan? Anything?

What? It's a turn off phrase here in Connecticut.