Recent content by njonge01

Like Rising Sun Bob, I also have 2 rental properties that were once my primary residence. Both are occupied and I have recently refinanced for 15 & 20 year terms at 4.2 and 4.0 % respectively. I wish I had exited these investments back in 2002-2005, but... it is what it is. I will sell them...

Interesting advice, on all counts. I don't know about you guys, but I must be the only one NOT living a world where banks are readily offering below 5% loans for investment properties that are in Floriida and/or are multi-unit condominiums. Also, from my extensive research, similar properties...

There's the question... right up top. :-) Here are some other factors that have kept me on this path. - Another variable is the rental rate. I should be able to demand a total of about $400 more per month with new leases in 2012. - Also, between Depreciation, Mortgage Interest and...

I am wondering if my decision to continue to own these properties is the best path. Thanks in advance for any advice and/or food for thought. I own two residential properties other than my homestead. Both are occupied and the prospects look very good to keep them occupied and continue with...

I had a strong sell from USAA Wealth Management, and I transferred my IRA over there from TD Ameritrade. Thus far, I'm really not impressed. I haven't learned anything or had questions answered any better than I've received on this portal, through my own research or on a very helpful portal...

this is one of the best stories of retiring, and making the most of your time that I have ever read. If you do some dog rescue... I'd have a serious man-crush on you. :-)

Any thoughts on a "List" of American Made items and stores where they can be purchased? My bigger non-service or food expenses are typically electronics, computers and gadgets in general.

I'm not retired yet. I have a very aggressive portfolio. From Monday, I am down about 13% but still up 8% for the year. So... it hurts. I've made a few buy mistakes on the drop... but I haven't made any sell mistakes. Still confident in my individual holdings. Just hope our country doesn't...

Thank you! Yes, I think I will be in a different boat than others in the group. I don't have any horrible debt to get rid of. I want to gain insight for living within my means, budgeting and planning how I spend my money.

Does anyone follow the Rational Investing Portfolio approach as described in work Less Live More by Bob Clyatt? I discovered his books at this portal.

Hahahaha!! Good Point!! Best to continue with current plan and let It play out as it will!!!

I have many Breast Cancer survivors in my immediate family. Looking forward to celebrating for years with one in my new Early Retirement Family! Be strong... I know you will be well!! Thank you for sharing.

Also, the house is in my name only but it goes to her in the event of my death, and so does adequate money to pay off the mortgage. I've considered directing it to my sister, with instructions to pay off the mortgage and allowing Tara to continue to live there, and it only goes to Tara when...

My spousal equivalent makes GREAT money. When we began our co-habitation 4 years ago, her household expenses dropped dramatically, and then about 1 year later, her income actually increased. Despite this opportunity (and many promises), she is still in the same financial boat she was in when...

Seems like Dave was a topic of an earlier thread that is now so old that I cannot reply to it. I will start going to my "Financial Peace" class on Tuesday nights, August 9. Part of my interest is to get exposure to the types of people taking these classes. Frankly, I have it so much better...