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So genius why not get a 15 year mortgage according to your Democrat math.
Hello poochy boy:
A 15 year mortgage has a higher payment.. With a 30 year mortgage you have the CHOICE of making a higher payment, but with a 15 year, you don't..
Now, fetch this stick.
excon, mortgage genius
Why do we need 30 year mortgages? If homes could be paid off in a shorter amount of time, maybe we wouldn't have a homeless problem.
We don't "need" them.. We just "buy" them because we don't know any better..
But, you're not stuck with paying for 30 years.. By making ONE extra payment a year, you can shorten a 30 year mortgage to around 17 years, and save 100's of $1,000's in interest.
It works because in the beginning, 99% of your payment goes toward interest.. But, if you make extra payments, those payments go directly toward reducing your principal.
Is the American Dream worth the struggle?
..they told us what we should want and gave us the (often quite rigged) rules of how to get it.
Advertising has us chasing cars and clothes, working jobs we hate, so we can buy shit we don’t need. We were raised by television to believe that someday we’ll be millionaires and movie stars and rock stars, but we won’t.
I dunno, Joe.. The okee doak you bought ISN'T the American Dream.. In fact, as you noted, it's a recipe for failure.
Fortunately, the people who told me how to get it were RIGHT. It's 2 simple rules, really.. Pay yourself 1st, and take advantage of compound interest.. Fancy cars weren't mentioned. If you do it right, you can retire at around 42, and live the rest of your life quite comfortably..
I read ALL of Napoleon Hills books and took his success course. The ONE thing I took away from his course is embodied in the following poem:
I bargained with Life for a penny,
and Life would pay no more,
However, I begged at evening,
when I counted my scanty store..
For Life is a just employer,
it gives you whatever you ask,
but once you have set the wages,
why you must bear the task..
I worked for a menials hire,
only to learn, dismayed,
that ANY wage I had ASKED of Life,
Life would have willingly paid.