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HELOC's can be very dangerous. The one thing I refuse to ever screw with is my home. No HELIC's, no refi's, no 2nd mortgages - I just let it ride & keep making my payments.
Ginsue - Admin
Proud Infidel Since 1965
"You can't spell genius without Ginsue." -Ray1970, Apr 2020
Ginsue's Feedback
Today I drove from Highlands Ranch down to Peyton, only to get a text that I wasn't really needed when I was only 20 minutes away. I arrived, said hello, then left to make it back up to my Parker appointment. At least I got a trip charge.
"There are no finger prints under water."
HoneyBadger was trying to give me a hard time about the HELOC and a car purchase, but I explained that I was applying for a HELOC regardless because I've developed an addiction to acquiring as much available credit as possible. Needing to buy a vehicle at the same time is just unfortunate timing, and not the reason I got the HELOC. On a similar note, our debt level has now reached $500 at 0% interest, not including the mortgage, on which I'm several years ahead.Originally Posted by theGinsue
And don't anyone think I'm being hoity toity. I have next to zero savings and retirement, so I had to make an extreme life change over the last few years. Things are looking up!
"There are no finger prints under water."
BINGO!
Ginsue - Admin
Proud Infidel Since 1965
"You can't spell genius without Ginsue." -Ray1970, Apr 2020
Ginsue's Feedback
Just be careful. I've got no room at my place for you & your family. And besides, Gloria scares me.
Ginsue - Admin
Proud Infidel Since 1965
"You can't spell genius without Ginsue." -Ray1970, Apr 2020
Ginsue's Feedback
Don't forget her birthday (for ten years in a row) and you'll be fine.
"There are no finger prints under water."
No drama - just problem solved.
My Feedback
"When law and morality contradict each other, the citizen has the cruel alternative of either losing his moral sense or losing his respect for the law." -Frederic Bastiat
"I am a conservative. Quite possibly I am on the losing side; often I think so. Yet, out of a curious perversity I had rather lose with Socrates, let us say, than win with Lenin."
― Russell Kirk, Author of The Conservative Mind
Wow, that must have been 50 pages back.
I got about 15.2 mpg in my Xterra. Hopefully my new car will get between 23-28.... BUT, something I didn't consider is that I'll need to put premium gas in it, so that adds about 5-10% to the price of gas, depending where you are. Even cheapskates recommend premium in this car. Bummer.
Last edited by HoneyBadger; 04-08-2016 at 22:35.
My Feedback
"When law and morality contradict each other, the citizen has the cruel alternative of either losing his moral sense or losing his respect for the law." -Frederic Bastiat
"I am a conservative. Quite possibly I am on the losing side; often I think so. Yet, out of a curious perversity I had rather lose with Socrates, let us say, than win with Lenin."
― Russell Kirk, Author of The Conservative Mind
I'll still give you hell about a HELOC. Nothing is worth putting your home at risk. If you can get out of debt, (which I know you can and basically already have) why not just save up to buy what you want instead of borrowing and paying a "stupid tax" (interest) on it? And why the heck would you sacrifice your house as leverage for it???
My Feedback
"When law and morality contradict each other, the citizen has the cruel alternative of either losing his moral sense or losing his respect for the law." -Frederic Bastiat
"I am a conservative. Quite possibly I am on the losing side; often I think so. Yet, out of a curious perversity I had rather lose with Socrates, let us say, than win with Lenin."
― Russell Kirk, Author of The Conservative Mind
Looking like his title needs to be changed to Nosey Parker Pickels
The Great Kazoo's Feedback
"when you're happy you enjoy the melody but, when you're broken you understand the lyrics".
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