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  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Tue Jan 09, 2018 7:27 pm   Subject: Moved to Holland; contemplating a stateside return?
Hey oldguy, what's your opinion on auto financing term? 5 years? Is 7 ever a good idea?

Would you say its a wise idea to wait until we have the cash-equivalent of the car purchase, then invest that ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Wed Dec 27, 2017 2:37 pm   Subject: Moved to Holland; contemplating a stateside return?
Thanks for the link, oldguy. I played around with several periods and see that you're right. Hopefully historical returns continue to show up in the future. Smile

If we relocate to the states, we'd ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Fri Dec 22, 2017 10:14 pm   Subject: Moved to Holland; contemplating a stateside return?
In theory, you do better by lump-sum investing. That's because the Market always goes up, how else could it have gotten to 24,000 points (from 1000 about 35 years ago)?

But whenever I sell a house, ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Fri Dec 22, 2017 2:41 pm   Subject: Moved to Holland; contemplating a stateside return?

If one of the rentals is available and suitable (location, size, quality), that sounds like a good solution. But if it needs any changes/updates I would avoid it. In general, upgrades add very littl ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Thu Dec 21, 2017 5:41 pm   Subject: Moved to Holland; contemplating a stateside return?
I probably wouldn't use a shortterm loan w/ the intention of doing a refi later. In the 1970s/80s that caused a major bubble, rates suddenly jumped to 14%, 15%. That virtually stopped all elective re ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Tue Dec 19, 2017 6:23 pm   Subject: Moved to Holland; contemplating a stateside return?
Very true, oldguy.

I'm not sure how this stint abroad will affect my ability to qualify for a new mortgage if we return in the fall of 2018. My 2017 income was good, but 2018 won't compare if I'm ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Mon Dec 18, 2017 7:45 pm   Subject: Moved to Holland; contemplating a stateside return?
Thanks oldguy, I know I can always count on you to slap some sense into me. Laughing

Guess I've got some thinking to do. After posting that I ran some numbers regarding a stickbuilt SFR purchase (ra ...
  Topic: Moved to Holland; contemplating a stateside return?
plush

Replies: 17
Views: 7356

Post image iconForum: Personal Finance   Posted: Mon Dec 18, 2017 1:45 pm   Subject: Moved to Holland; contemplating a stateside return?
I'm hoping for some general advice/someone's ear. My wife, daughter and I moved to the Netherlands in August of this year and I'm a bit homesick. There is a lot this country has to offer, and life is ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Tue Aug 30, 2016 8:56 pm   Subject: Need a car - Have other debt obligations... Help!
howdy oldguy, hope you're doing well.

quick question: Since our income is volatile, there will be times that our set percentage of take-home pay for the week/month allows us to invest $2,000 - $5, ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Mon Jul 11, 2016 10:13 pm   Subject: Need a car - Have other debt obligations... Help!
Thanks oldguy. I took your advice and opened a Vanguard account. I'm ready to purchase VFINX (I am starting with $5000 and will bump to $10,000 by the end of this month, so VFIAX is not available to m ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Thu Jul 07, 2016 3:11 pm   Subject: Need a car - Have other debt obligations... Help!
Thanks oldguy! Looks like the properties will have to stay put for a while.

Under what circumstances would you sell one of your rentals? I'm enjoying the cash flow, and hope to have enough passive ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Mon Jul 04, 2016 5:49 am   Subject: Need a car - Have other debt obligations... Help!
Hey Oldguy,

I wasn't very clear with my whole 25k borrowed at 6.8%/366 payment comment--I was referring to the minimum payment on my wife's student loan. Because we have (most of) the $$ to pay it ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Sun Jul 03, 2016 6:57 pm   Subject: Need a car - Have other debt obligations... Help!
Hey oldguy, I'm hoping you can weigh in on this idea:

I've got about $25,000 on top of my 6 month reserve nut. I'm contemplating 2 different uses with it:

1. Pay off my wife's student loan in fu ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Mon Jun 06, 2016 6:00 pm   Subject: Need a car - Have other debt obligations... Help!
Am I missing something here? I just don't see the incentive at present.

That 'method' started out as the "Australian Method to Pay Your Mortgage Fast" about 15 or 20 yrs ago. It shows up occasiona ...
  Topic: Need a car - Have other debt obligations... Help!
plush

Replies: 25
Views: 57565

Post image iconForum: Personal Finance   Posted: Sun Jun 05, 2016 11:57 pm   Subject: Need a car - Have other debt obligations... Help!
SCEngineer - thanks for the post. In talking with Oldguy, I'm becoming less emotional about debt, so I mind it less. It would be great to have no debts tied directly to me (student loans) or my primar ...
 
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