jwn0002
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| Number of Posts: | 29 |
| Registered on: | 10/4/2019 |
| Online Status: | Not Online |
Recent Posts
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re: Best used auto rate?
Posted by jwn0002 on 12/18/22 at 6:08 pm
I purchased last week for my wife. Used car. No trade in but 5k down.
Americas First credit union offered 3.35 for 48 months or 3.45 at 60.
I went with 60 and only stipulation was joining credit union and funding $20.
Other rates were in the 6-7% range. I was honestly surprised at how low it...
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re: Money Order to a Complex
Posted by jwn0002 on 5/27/21 at 8:00 pm
“Younger Brother”
Late Congrats to your parents for the sex. ...
re: No cost refi offer
Posted by jwn0002 on 5/2/21 at 10:58 am
Just started the process of something similar. My “no cost” offer was 3.25.
Offer with paying for all costs and buying points was 2.6. For reference this was a cash out rate and it would have been about .25 lower as straight refinance.
I haven’t made a decision yet on mine but there is a cos...
re: I own a truck, should I buy a commuter car?
Posted by jwn0002 on 5/1/21 at 8:19 pm
That math is a savings of 225 gallons a year using those number. At $3 gallon that’s $56.25/mo.
20k miles/ 20 mpg = 1,000 gallons @ $3 = $3k
8k miles/20 mpg = 400 gallons @ $3 = $1.2k
12k miles/ 32 mpg = 375 gallons @ $3 = $1.125k
Savings of $675/ 12 = $56.25/mo
The only savings is goi...
re: Dave Ramsey: Will the stock market crash under Joe Biden?
Posted by jwn0002 on 4/13/21 at 6:22 pm
I’m genuinely curious to this. Not because I don’t doubt you might not be successful and have a lot but I’m always curious as to all the different posters on here.
Net worth and Age?...
re: Derek Chauvin trial - GUILTY ON ALL CHARGES. Update: His sentencing is today
Posted by jwn0002 on 4/10/21 at 8:05 pm
Absolutely.
Day 1: drank beer and didn’t follow the trial
Day 2: drank more beer and didn’t follow the trial
Day 3: drank beer still didn’t follow the trial
Day 4: I noticed the trial was being followed on the OT with a topic. Skipped over it. Drank beer and didn’t follow the trial
Day 5: saw t...
re: Today is the big day for ZOM
Posted by jwn0002 on 4/7/21 at 6:40 pm
Not to derail but I agree. My only knock is I didn’t buy enough. Not because I didn’t believe in it but I thought I had more time to gradually add. I have roughly 2k shares at $2.55ish. I intended to add more thinking it would stay in that range but it got an upgraded PT of $5 and shot up too quick....
re: Today is the big day for ZOM
Posted by jwn0002 on 4/7/21 at 1:34 pm
I don’t know you. But I quit reading the discord when you got banned for doing nothing other than saying what I was thinking.
I appreciate all the DD he brought initially. Certainly has some interesting takes on stocks I wouldn’t have thought to look into. And I currently have a position in RIDE ...
re: Does anybody have experience joing local investment clubs?
Posted by jwn0002 on 4/6/21 at 8:23 pm
After joint this club I’m fully invested in STLHF, truck nuts, and any baw beer. My returns are killing it....
Theoretical Refinance Question
Posted by jwn0002 on 4/5/21 at 6:23 pm
Can someone tell me what I’m missing here. I’m conservative/low risk by nature so the following will make more sense.
I have 24 years and 89k left on my mortgage. 4.5% interest. Monthly payment of 550 not including tax and insurance. value of conservatively 200k. 250k+ in current market.
I’m 32. ...
re: Holding Bond Funds at 40 years old
Posted by jwn0002 on 4/1/21 at 7:19 pm
I thought this thread was about “Dog” the bounty hunter. Such a disappointment....
re: My credit keeps dropping.....
Posted by jwn0002 on 3/30/21 at 2:05 pm
My best friend follows Dave Ramsey religiously. They sold then purchased a new house. And wanted to get a car about 3 months later. Their credit wasn’t strong/diverse enough to support the car purchase that soon.
Being able to leverage your income and take on good debt is the best way to maximize ...
re: Did Reddit get ahold of ZOM or something?
Posted by jwn0002 on 3/25/21 at 7:40 pm
You have officially jumped into my top 5 most trusted posters on the money board. ...
re: Take the trade in value or try and sell on my own
Posted by jwn0002 on 3/25/21 at 7:38 pm
Just my opinion. Since I commented earlier on it but I seriously wouldn’t go any other way than Carvana for buying or selling if they had what I was looking for. The vehicle I sold needed new tires bad and they didn’t say anything about it. Was actually nervous they were going to call me out on it. ...
re: Take the trade in value or try and sell on my own
Posted by jwn0002 on 3/25/21 at 3:32 pm
I just sold a vehicle yesterday. Had it listed in several places. The hassle of dealing with other people flaking out or wasting my time just talking wasn’t worth it (to me).
Carvana gave me a cash offer 1,500 more than Carmax and about 4k more than was offered trade in. The guy took like 4 pictur...
re: Cathie Wood: Tesla to hit $3,000 a share in 2025
Posted by jwn0002 on 3/22/21 at 4:42 pm
I really want to know this answer as well. Not to side track the OP but she now owns an absurd amount of TDOC. While I see the upside I also am hesitant to see how much of this “covid life” will stay.
My Dr. resumed life as normal last summer.
It’s on my watchlist to buy now that it’s dropped,...
re: Official CryptoTalk Thread
Posted by jwn0002 on 3/4/21 at 7:50 pm
When your wife asks why all of your furniture is for sale on Craigslist we can redirect her to this post. ...
re: House note vs car note
Posted by jwn0002 on 2/28/21 at 5:55 pm
My opinion (not a financial advisor) you have 6 years left on the mortgage. Which means you have paid mostly interest and have almost all principle left for the remaining 6 years. Assuming a 20-30 year loan term. I wouldn’t pay it off now as the interest savings can’t be much.
I’m also going to ...
re: Lordstown Motors (RIDE) Endurance truck
Posted by jwn0002 on 2/28/21 at 2:44 pm
The Nikola truck reminded me of a Tacoma. I thought it looked the best. Unfortunately that’s pretty much dead. ...
re: Are current Covid relief packages going to ignite Inflation?
Posted by jwn0002 on 2/28/21 at 2:39 pm
I have never understood the “target date funds” only because there should be like 2. About to retire and will retire in 30 years. Retiring in 40 years vs 15 years should be the same fund....
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