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Stock Market

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  • The FixerThe Fixer Posts: 12,837
    My financial planner sent out an email today about this stuff...


    Interest rates for a 30-year fixed rate mortgage are now 4.25%, APR 4.3218

    Interest rates for a 15-year fixed rate mortgage are now 3.375%, APR 3.5545

    Interest rates for a 10-year fixed rate mortgage are now 3.25%, APR 3.4086


    When interest rates are this low, it makes sense to refinance and even consider going from a 30-year to a 15-year mortgage. In some cases, if you drop to a 15-year mortgage, your payment may remain the same as it is now, depending on your current rate. However, your principal payment may quadruple.
  • The JugglerThe Juggler Behind that bush over there.Posts: 39,972
    81 wrote:
    :mrgreen:
    Don't blame Jugs..

    Blame me :twisted:

    :evil: :evil: :evil:

    fucker

    :lol:

    i'll never quite get the concept of paying to borrow. i just don't get how auto loans can be so damn simple, but you do a home loan and you have 86 pages of shit, and 57 fee's :roll:

    look at it this way: i work for the mafia. there's always gonna some juice. :lol:

    you don't have to pay points obviously but the bank's gonna get you either in a higher rate or higher fees. for points to make sense, it all depends on your break even point and how long you're staying in the house, yada, yada, yada...everyone wins with rates this low right now though.

    bond's down slightly....rates might dip again today :mrgreen:


    edit: and regarding all the fucking pages you have to sign? blame your federal government. anyone who has seen the new good faith estimate as opposed to the old one knows what i'm talking about. :roll: they tried to make it more "user friendly." only the government can take a one page, relatively simple, piece of paper and spread it out into 4 pages and call it more "user friendly."
    chinese-happy.jpg
  • davidtriosdavidtrios Posts: 9,731
    It's down 500 points already. :shock:
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    Davidtrios wrote:
    It's down 500 points already. :shock:


    :crazy:
    81 is now off the air

    Off_Air.jpg
  • davidtriosdavidtrios Posts: 9,731
    down almost 600 in the last two days

    :shock:
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    it's been a yo yo the last few months...

    i'm up about 16% off my summer low.

    although my summer low was about 22% off my spring high.
    81 is now off the air

    Off_Air.jpg
  • I didnt know you were a finance guru 81
    "FF, I've heard the droning about the Sawx being the baby dolls. Yeah, I get it, you guys invented baseball and suffered forever. I get it." -JearlPam0925
  • dcfaithfuldcfaithful Posts: 13,076
    I'm an idiot with stuff like this and the stock market confuses me. Majorly. I am horrible at numbers.

    Until I get the balls and wild hair to learn more, I'm just going to keep bulking up my money market 401k. Capitalizing on my employer's match. 8-)
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • davidtriosdavidtrios Posts: 9,731
    dcfaithful wrote:
    I'm an idiot with stuff like this and the stock market confuses me. Majorly. I am horrible at numbers.

    Until I get the balls and wild hair to learn more, I'm just going to keep bulking up my money market 401k. Capitalizing on my employer's match. 8-)


    my employer matches 50% up to 5% -cheap fucks :|
  • dcfaithfuldcfaithful Posts: 13,076
    Davidtrios wrote:
    dcfaithful wrote:
    I'm an idiot with stuff like this and the stock market confuses me. Majorly. I am horrible at numbers.

    Until I get the balls and wild hair to learn more, I'm just going to keep bulking up my money market 401k. Capitalizing on my employer's match. 8-)


    my employer matches 50% up to 5% -cheap fucks :|

    100% up to 8% 8-)

    However, I work in a controversial industry. Well, controversial for some, for various reasons.
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • mickeyratmickeyrat Posts: 21,345
    dcfaithful wrote:
    Davidtrios wrote:
    dcfaithful wrote:
    I'm an idiot with stuff like this and the stock market confuses me. Majorly. I am horrible at numbers.

    Until I get the balls and wild hair to learn more, I'm just going to keep bulking up my money market 401k. Capitalizing on my employer's match. 8-)


    my employer matches 50% up to 5% -cheap fucks :|

    100% up to 8% 8-)

    However, I work in a controversial industry. Well, controversial for some, for various reasons.
    contrversial? This sounds like an excellent topic for a new thread!!! Do tell.
    _____________________________________SIGNATURE________________________________________________

    Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
    you're finally here and I'm a mess................................................... nationwide arena columbus '10
    memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
    another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    I didnt know you were a finance guru 81


    accounting degree...work in finance dept of my company doing planning, reporting analysis...normal finance stuff...

    dabble in the stock market for fun
    81 is now off the air

    Off_Air.jpg
  • dcfaithfuldcfaithful Posts: 13,076
    edited November 2011
    mickeyrat wrote:
    contrversial? This sounds like an excellent topic for a new thread!!! Do tell.

    Pharmaceuticals is the industry.

    Edit: Damn, should've said pornography. :P
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • mickeyratmickeyrat Posts: 21,345
    81 wrote:
    I didnt know you were a finance guru 81


    accounting degree...work in finance dept of my company doing planning, reporting analysis...normal finance stuff...

    dabble in the stock market for fun
    he may have an accounting degree, but he gets paid to post!!!!! :mrgreen:
    _____________________________________SIGNATURE________________________________________________

    Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
    you're finally here and I'm a mess................................................... nationwide arena columbus '10
    memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
    another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
  • dcfaithfuldcfaithful Posts: 13,076
    mickeyrat wrote:
    81 wrote:
    I didnt know you were a finance guru 81


    accounting degree...work in finance dept of my company doing planning, reporting analysis...normal finance stuff...

    dabble in the stock market for fun
    he may have an accounting degree, but he gets paid to post!!!!! :mrgreen:

    Apparently he has an office too!! I'm still posting in a cubical farm! :twisted:
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    dcfaithful wrote:
    Apparently he has an office too!! I'm still posting in a cubical farm! :twisted:


    with a door that closes. only thing that keeps me awake is the floor to ceiling window by the door :x



    next topic...post a picture of your work space...
    81 is now off the air

    Off_Air.jpg
  • dcfaithfuldcfaithful Posts: 13,076
    81 wrote:
    dcfaithful wrote:
    Apparently he has an office too!! I'm still posting in a cubical farm! :twisted:


    with a door that closes. only thing that keeps me awake is the floor to ceiling window by the door :x



    next topic...post a picture of your work space...

    I'm still wishing I had even one window. No windows in my area to the outside, not one. Fucking sucks.
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • dcfaithfuldcfaithful Posts: 13,076
    81 wrote:

    next topic...post a picture of your work space...

    Technically, I can't do that here. :geek:
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    dcfaithful wrote:
    81 wrote:
    dcfaithful wrote:
    Apparently he has an office too!! I'm still posting in a cubical farm! :twisted:


    with a door that closes. only thing that keeps me awake is the floor to ceiling window by the door :x



    next topic...post a picture of your work space...

    I'm still wishing I had even one window. No windows in my area to the outside, not one. Fucking sucks.


    I reg windows that look outside as well...the sunset looks nice.
    81 is now off the air

    Off_Air.jpg
  • Quick story: I had a friend in 2004 that purchased $10k worth of gold at $350 an ounce. He subsequently purchased $10k more in 2005 at a slightly higher price. He held it in a safe deposit box at the bank until this summer when he sold it at $1850 an ounce. Now he's 30 years old and sitting on a ridiculous amount of cash. All for being ahead of the market. I tell people this story and it pisses them off.
    "FF, I've heard the droning about the Sawx being the baby dolls. Yeah, I get it, you guys invented baseball and suffered forever. I get it." -JearlPam0925
  • mickeyratmickeyrat Posts: 21,345
    mickeyrat wrote:
    81 wrote:
    I didnt know you were a finance guru 81


    accounting degree...work in finance dept of my company doing planning, reporting analysis...normal finance stuff...

    PLUS I ride elevators and host cornhole tourneys. I swear between posting here, riding the elevators and the cornhole tourney's, its amazing any work gets done here at all!!!

    dabble in the stock market for fun
    he may have an accounting degree, but he gets paid to post!!!!! :mrgreen:


    FIXED!!!!! :mrgreen:
    _____________________________________SIGNATURE________________________________________________

    Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
    you're finally here and I'm a mess................................................... nationwide arena columbus '10
    memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
    another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    Quick story: I had a friend in 2004 that purchased $10k worth of gold at $350 an ounce. He subsequently purchased $10k more in 2005 at a slightly higher price. He held it in a safe deposit box at the bank until this summer when he sold it at $1850 an ounce. Now he's 30 years old and sitting on a ridiculous amount of cash. All for being ahead of the market. I tell people this story and it pisses them off.


    that's a little over 84K in profit? or did i forget to carry a number?

    not bad.

    i'm riding thongs and bra's to profit.

    everything else seems to go up a little and fall a little.
    81 is now off the air

    Off_Air.jpg
  • davidtriosdavidtrios Posts: 9,731
    81 wrote:
    dcfaithful wrote:
    Apparently he has an office too!! I'm still posting in a cubical farm! :twisted:


    with a door that closes. only thing that keeps me awake is the floor to ceiling window by the door :x



    next topic...post a picture of your work space...


    81- if you start a thread called 'people that offices thread,' i'd add to it
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    Davidtrios wrote:
    81 wrote:
    dcfaithful wrote:
    Apparently he has an office too!! I'm still posting in a cubical farm! :twisted:


    with a door that closes. only thing that keeps me awake is the floor to ceiling window by the door :x



    next topic...post a picture of your work space...


    81- if you start a thread called 'people that offices thread,' i'd add to it


    i'm more confused than normal
    81 is now off the air

    Off_Air.jpg
  • dcfaithfuldcfaithful Posts: 13,076
    81 wrote:
    Davidtrios wrote:

    81- if you start a thread called 'people that offices thread,' i'd add to it


    i'm more confused than normal

    I believe the word "have" might clear up that confusion? :?
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    dcfaithful wrote:
    81 wrote:
    Davidtrios wrote:

    81- if you start a thread called 'people that offices thread,' i'd add to it


    i'm more confused than normal

    I believe the word "have" might clear up that confusion? :?


    could be "don't" as well....

    hmmm
    81 is now off the air

    Off_Air.jpg
  • dcfaithfuldcfaithful Posts: 13,076
    81 wrote:
    dcfaithful wrote:
    81 wrote:


    i'm more confused than normal

    I believe the word "have" might clear up that confusion? :?


    could be "don't" as well....

    hmmm
    :o .... :?

    Davidtrios, stop this confusion madness!
    7/2/06 - Denver, CO
    6/12/08 - Tampa, FL
    8/23/09 - Chicago, IL
    9/28/09 - Salt Lake City, UT (11 years too long!!!)
    9/03/11 - East Troy, WI - PJ20 - Night 1
    9/04/11 - East Troy, WI - PJ20 - Night 2
  • davidtriosdavidtrios Posts: 9,731
    im trying to say i have an office too. 8-) :ugeek:
  • 8181 Needing a ride to Forest Hills and a ounce of weed. Please inquire within. Thanks. Or not.Posts: 58,276
    looks like we yo yo up today.

    wish mortons would hurry up and annouce they have found a buyer :x
    81 is now off the air

    Off_Air.jpg
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