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  1. Southern Company

    Yep Georgia Power has a captive audience and gets to raise the rates whenever they want to pay for the nuclear plant Votgle that will never ever get finished .

  2. Looking For Real Estate Guys

    Join Lifestyles Unlimited as a basic member , it’s like $250 They have tons of info on how to buy remodel and rent houses , screen the tenants etc .

  3. Looking For Real Estate Guys

    The problem is it’s not accurate . The actual inflation rate is much much much higher than the feds say it is . The feds are saying it is 7% or whatever , Do you know of ANY item where the price has only increased by 7%? The real inflation rate is more like 50% Food and fuel are not including...

  4. Official ODT Silver Thread

    What’s y’all’s favorite place to get the pre 63 coins ?

  5. convert 401K into physical metals?

    Is there people who really didn’t see this recession coming a mile away? A pandemic and Democrats controlling the White House and Congress and the senate and gas prices spiked to the moon and 35% inflation ? Any one of those by itself is enough to cause a recession . Wait till they start...

  6. Payoff the Mortgage or Invest?

    Article also points out that’s assuming no fees And most stock market investments are eat up with fees

  7. Payoff the Mortgage or Invest?

    If there think there is a 4% guaranteed return every year for 27 years in a row Which is highly unlikely

  8. Payoff the Mortgage or Invest?

    The estate tax kicks in at what , $10 million in assets ? If you have more than $10 million, you need to see an accountant and lawyer about setting up some trusts and LLCs to shelter the estate tax Easy to do Y’all don’t think rich people actually pay taxes do you ?

  9. Payoff the Mortgage or Invest?

    Yeah That’s the part that is usually overlooked Y’all expert eggheads chime in here and correct me if I’m wrong I barely graduated high school , and flunked a lot of math classes . But as I understand it , When you prepay , your gain or return is whatever your interest rate is ,let’s...

  10. Payoff the Mortgage or Invest?

    The market was the same level in 1980 as it was in 1950 30 year span Zero gain

  11. Payoff the Mortgage or Invest?

    I’ve never been able to refi without closing costs , Which is also a scam $6 grand to xerox some papers ???

  12. Payoff the Mortgage or Invest?

    heres a chart that’s adjusted for inflation It peaked at 5500 in 29 It didn’t go significantly above that and stay above that until 1995 ish That’s 60 years of almost zero gains

  13. Payoff the Mortgage or Invest?

    Oh yeah there’s a lot LOT of stuff I would do different I’ve made several blunders over the years and you don’t realize it till years later We bought our current house in 99 with a 30 yr mortgage , at 8% . That was the going rate then We refinanced a few years later , doing another 30 and...

  14. Payoff the Mortgage or Invest?

    Mostly for Peace of mind I got burned in real estate too Got a rental house in Hiawassee that eats my lunch every month And when I finally sell it I might get what I paid for it Sure ain’t gonna get any of the interest and renovations But it’s paid for , so if my financial world...

  15. Payoff the Mortgage or Invest?

    Look at the charts There are several spans of 25-30 years where the market had no gain at all

  16. Payoff the Mortgage or Invest?

    If companies don’t lie and cook the books, how did Enron and Worldcom happen ? I understand that EVERY employer doesn’t match dollar for dollar That’s why there’s an “if” in the sentence I thought most people bought stock market investments thru a self directed IRA or SEP or some tax delayed...

  17. Payoff the Mortgage or Invest?

    This is a big deal to me It’s not all just percentage return It’s emotional When I was 15 we had a nice house , a lot on lake hartwell , a motor home , 2 boats , and several antique and classic cars , motorcycles etc My father lost his job , and in less than three months we lost the house...

  18. Payoff the Mortgage or Invest?

    You might be a few dollars better off if all the stars align and you actually make money in the stock market , then you have to pay income taxes on what you earned Stock market investments are just a piece of paper from a company that says they might someday , maybe , give you some or all of...

  19. Payoff the Mortgage or Invest?

    But that’s exactly what you’re doing by purchasing stock market investments with your spare cash instead of purchasing your house with the spare cash

  20. Payoff the Mortgage or Invest?

    Hope your wife makes a speedy recovery For the OP and others If your house was paid for , Would you go take out a loan against it and use that money to invest in the stock market ??
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