Recent content by dreamingbig

  1. dreamingbig

    Pay off mortgage or make monthly payments and invest the rest?

    There are some options with no income limits. Not as many but a few. For example, FHA with 3.5% DPA with no income limitations. The kicker is a slightly higher rate but that is what refinances are for. [emoji3] Sent from my iPhone using Tapatalk
  2. dreamingbig

    Pay off mortgage or make monthly payments and invest the rest?

    Depends on the cost of the money (interest rate) and your risk tolerance. Side note - for all of you that paid off your mortgage. A HELOC (don’t have to draw or carry a balance) is cheap insurance to access your equity in case life happens and you need cash. Sent from my iPhone using Tapatalk
  3. dreamingbig

    Pay off mortgage or make monthly payments and invest the rest?

    The only benefit of a recast is that it lowers your minimum monthly payment. Sent from my iPhone using Tapatalk
  4. dreamingbig

    Pay off mortgage or make monthly payments and invest the rest?

    You could get a FHA loan at 96.5% or a HomePossible (Freddie) or HomeReady (Fannie) at 95%. Lots of options north of 80% for first time home buyers. Sent from my iPhone using Tapatalk
  5. dreamingbig

    Pay off mortgage or make monthly payments and invest the rest?

    You still have taxes and insurance which is a form of a monthly payment. I guess you could roll the dice and skip the insurance. If you bought money at sub 3% why wouldn’t you put that money in a most riskless money market or CD at 4+ % and earn the spread? There are better options to expand...
  6. dreamingbig

    Pay off mortgage or make monthly payments and invest the rest?

    No. Keep your money invested elsewhere and earn the spread. BUT if you aren’t investing that extra and instead spending you might benefit from the forced savings of paying off your mortgage. Sent from my iPhone using Tapatalk
  7. dreamingbig

    New tricer bipod

    Mine came early yesterday. Sent from my iPhone using Tapatalk
  8. dreamingbig

    New tricer bipod

    April 16th delivery date. Sent from my iPhone using Tapatalk
  9. dreamingbig

    New tricer bipod

    FYI - I ordered Feb 21st and just got notice it shipped. Sent from my iPhone using Tapatalk
  10. dreamingbig

    Liberation Day

    Without the consumer being able to expand their budget (increased leverage) they are going to have to buy less but total spend will remain flat. My guess is they find a way to increase leverage (credit cards, helocs, 2nds, cash outs) and spend more leading to inflation. Sent from my iPhone...
  11. dreamingbig

    .308 for Elk

    They work great. I shoot 165grn nosler accubonds and they kill elk quick. Sent from my iPhone using Tapatalk
  12. dreamingbig

    Idaho Bonus point system

    No! It is just a money grab. Sent from my iPhone using Tapatalk
  13. dreamingbig

    Bivy out tempts me but fears keep me at bay

    You will be okay. Here is my solo bivy/tarp camp from last year. Sent from my iPhone using Tapatalk
  14. dreamingbig

    Idaho NR general tag going to draw?

    Full time or part time? Get all their buddies together and lock up the vendors to process their list first. The list before the line is real. Sent from my iPhone using Tapatalk
  15. dreamingbig

    Idaho NR general tag going to draw?

    Some for sure but maybe not most. The outfitters tag purchase is real especially in some of higher demand zones. Sent from my iPhone using Tapatalk
See more

Latest posts

Featured Video

Latest Articles

Back
Top