 Does anyone Know any loan sharks or money lenders pls? |
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Tatis95 | I have some money in the bank that I could use to payoff my mortgage, however I am not sure if that is good.? |
Is it better that I use $118,000 to payoff my mortgage today? If I do that I would not have debts only will have to save for insurance and taxes. I am not sure to invest in the stock market now because is very volatyle. What is better, payoff the mortgage? |
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chatsplas
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Fully fund your retirement plans. You can still contribute to an IRA for 2007 right now, and also for 2008. If you've already filed your 2007 taxes, file an amendment. You can also contribute to ROTH IRAs.
You can make extra payments of principal, without paying off your loan in full, and that will reduce the amount of interest you pay over the life of the loan, as well as shortening the lifespan of loan. The longer you have held this mortgage, the less interest you are paying, with most of your payment going to principal. Why not make your regular loan payments now, plus an extra $100 principal payment every month?
If you look at the long-term, it's a good time to buy stocks because the market is low, and stock prices lower. But if you think short-term, no. Bonds are a steadier investment, but you should have both. And there are always CDs, treasuries, etc. Diversify, and don't put ALL your money into the house. |
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stan c
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If you have a 30 year mortgage and you paid 15 years into it, you paid about 70% in interest. As suggest, look at your amortization, If you do not have one, You can always request it from your mortgage co. |
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n1ch0la5
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I would pay off the mortgage and be debt free in a second.
The stock market is a good idea if your planning on leaving the money in there for a period of 5 years or longer. You should really talk to a professional before you make any decisions of this magnitude.
Also you could really benefit from reading the Total Money Makeover by Dave Ramsey. It's a great book and it saved my financial life. |
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candi h
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I would say do not use it all because you may need this for the future or an emergency fund. Like you said, if you did pay off the mortgage you would then have to save for the taxes etc. Take some maybe to pay it down or otherwise just stay as you are. |
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nuswimguy
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Probably a bad idea. A good idea would be to consult a fee only CFP. If you don't want to pay a fee, take half your money and put it in CDs as a cash reserve. Take the other half and put it in an ETF called IVV (the ticker symbol for the iShare S&P 500). |
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ed
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Consider the age of your morgtage.
You have paid most of the interest in the early years.
Look at the amortization and you will see how little interest is being paid on the balance.
I f it is a small amount, why pay off the morgtage with cheap interest at this point?
Something to consider.
Stocks may not be the best, YET. Investors are into oil futures at the moment.
Watch the stock market. If/when it begins a rise, then think about it, with better advice than I can give. |
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Jennifer
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Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://www.x.se/a5nf |
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John Cleveland
 |
There are way too many unknowns for anyone to give you meaningful answer. You should speak to a fee based financial adviser. Some things to consider:
How old are you?
What is the interest rate on your mortgage?
What is your tax bracket?
What is your risk tolerance?
What is your credit rating?
Many "experts" think that having mortgage debt is responsible management of your personal finances since it is the cheapest way to borrow and frees up resources for other uses. Personally, I prefer to diversify and wouldn't put all my cash into the house. Good luck. |
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fromanotherplaceandtime2700
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What about paying off MOST of the mortgage? - say $90,000 and leave the rest for emergencies and such. Investing in mutual fund with a good firm like Fidelity is the safest way. |
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tap892
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I've done very well over the years thanks to my house appreciating in value. I live in Canada, so our retirement plan is called an RRSP. I never contributed to the plan because the taxation system in Canada is geared in such a way you're better off paying off your house that investing in these things. In answer to your question, "Absolutely" pay it off, you'll have a feeling of freedom, that's hard to beat, and in my opinion will be a lot better off, debt free. |
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lendingwhiz2008
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There are a lot of ways to approach this, but I would, without knowing your finacial tempermant, invest that money.
This way you still get the right off, and DUDE, you could turn $100K into a Millski, (that's one million) pretty quick dude.
I would invest it. Try these guys, they'regreat...
http://www.rjlwm.com
I'm not associated with them by the way. |
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