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Lawson's just started distributing in Connecticut. I have no idea how that happened because distribution laws in CT suck. But I like it. Just picked up a 4 pack of "Sip of Sunshine"

I don't actually shop there. Just happened to stop into one yesterday because my mortgage broker's office is right next to one and asked about their rewards program to see if it was worth it. Just rustles me that someone at corporate thought this was a smart move. I should be getting paid that...

A local grocery chain has the most annoying rewards program. Instead of just getting points for every dollar you spend like a normal points program they have this stupid "slot" machine at checkout. If you "win" when you play you get either a gold coin or silver coin. Not kidding, they actually...

I've never heard of a mortgage company refusing to remove PMI because of lack of credit history but if you're looking at refinancing there are a lot of things at play. Old interest rate vs new interest rate PMI removal like you mentioned New terms like you mentioned Use this mortgage...

You guys are no help! I had to use Google to find a cheesesteak and chose what seemed to be local reviewers mostly and had a very high rating. It was between dallesandros and a place called Cosmis deli and I picked cosmis because it was closer, and it was terrible

The brokers I've worked with in the past wouldn't do it and I had time frames I needed to close by so I couldn't take my business elsewhere. This time around I have no deadline which is nice

I actually have a really good broker right now who said since I'm not in a rush to close he can just back out of the current lock and start the paperwork with a different bank at the lower rates.

Philly brethren. Where should I go for a cheesesteak?

I used to hate sushi, just really disliked it. All of it. A place I worked at in SoHo Manhattan used to order it when we were working late all the time and it pissed me off because I just couldn't eat it. Fast forward almost 10 years and I'm at a graduation party that was catered and had sushi...

And of course rates are moving down aggressively since I locked in. Seeing 15 year fixed at 2.875% today

I misspoke, the dow hasn't doubled in the past 10 years, I was thinking of the lows after the crash in 2008, but in 2004 it was at about 12k. So it went up roughly 46%. But here's a graph of the last 100 or so years for the dow. Dow Jones 100 Year Historical Chart | MacroTrends Since...

That was mean. I'm sorry

Probably a lot better than you're expecting. What's it like to only be able to fantasize?

Conventional wisdom says to move your money from stocks to bonds as you near retirement. And that makes sense. The recession hit hard and then rebounded even harder. The djia has doubled in the last 10 years. The last time it did that was right before the Internet bubble. We live in a very...

Also I am not giving bad advice. Don't buy more house than you can reasonably afford or need and try not to carry debt never has been and never will be bad advice. Take a risk if you want to, but investing in the market always carries risk. Saying otherwise is the bad advice here

Cad I'm discussing the numbers and having a conversation. Prove to me with numbers that 5% ROI is a better investment with numbers. The very first thing I said was this was a good exercise and for people to check my numbers. And you're too busy throwing a tantrum to be reasonable. It's great...

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...