I tend to agree with you here. Mainly because student loans aren’t really asset backed with any real collateral or hard asset. The major worry I have is some areas of CMBS debt, think major retail. If there is a bubble, I see it more there from what I’ve traded in the last few years.
If you have a low interest rate, pay as little as possible per month. If you have a high interest rate, refinance to something lower. Do your homework and you can probably drop your rate. Put some of your earnings in the market to offset the interest expense you are paying on your debt. If your ROR in the market can equal or exceed your IR, this could help.
If you are thoroughly convinced start shorting SLM or buy student loan CEBO’s contracts. Don’t disagree with you but I don’t see those going in the money in the near future.
I’d throw Charlotte, NC into the mix. I’ve lived in 3 of your cities mentioned and they were all fun. You are 2 hours from the mountains and 3 from the beach down here in NC. The cost of living is also relatively cheap for a decent sized city. Just a thought to check out. Good luck.
Actually I can believe that. Walgreens sells some expensive female products. My wife sent me there to buy her hair spray called “Big Sexy Hair”, it was like $30 and I almost lost my mind….I thought it would run around $6.
Find a go to person at your firm that could be a mentor or friend. Ask them to review some of your work or hypothetically ask them what they would do/how they would handle a task. Only way I’ve learned anything in my career, find good people to learn from.
Dave Ramsey is a moron. Debt leverage, especially in the interest rate environment of the last decade, has been the best financial decisions I’ve made personally and for business. Why pay off debt at low interest rates ahead of the amortization schedules when you can go earn at least double in the equity markets and go over break even in investment grade fixed income?
Had a boss who would always want to go to lunch at like 11:30 to “beat the lines”. Hated it because it made for the longest afternoons when he would invite me. Not to mention I just listened to all his personal problems, which was super exciting.
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I recommend the Mercedes E Class (sans wagon part), love driving it.
I tend to agree with you here. Mainly because student loans aren’t really asset backed with any real collateral or hard asset. The major worry I have is some areas of CMBS debt, think major retail. If there is a bubble, I see it more there from what I’ve traded in the last few years.
If you have a low interest rate, pay as little as possible per month. If you have a high interest rate, refinance to something lower. Do your homework and you can probably drop your rate. Put some of your earnings in the market to offset the interest expense you are paying on your debt. If your ROR in the market can equal or exceed your IR, this could help.
If you are thoroughly convinced start shorting SLM or buy student loan CEBO’s contracts. Don’t disagree with you but I don’t see those going in the money in the near future.
Duda…stick to playing real sports, don’t try to be the best at exercising. Nix yoga entirely and go back to the hoops court.
Grandex needs Duda back…and we need weekend in review by Mich Ultra back as well.
I met my wife four years ago at a night club shortly after 2:00 AM. No sense to how that turned out where we are now.
I’d throw Charlotte, NC into the mix. I’ve lived in 3 of your cities mentioned and they were all fun. You are 2 hours from the mountains and 3 from the beach down here in NC. The cost of living is also relatively cheap for a decent sized city. Just a thought to check out. Good luck.
Actually I can believe that. Walgreens sells some expensive female products. My wife sent me there to buy her hair spray called “Big Sexy Hair”, it was like $30 and I almost lost my mind….I thought it would run around $6.
Find a go to person at your firm that could be a mentor or friend. Ask them to review some of your work or hypothetically ask them what they would do/how they would handle a task. Only way I’ve learned anything in my career, find good people to learn from.
I bet Chad has been showing the Capital F Fiance his “cannon” as well
He also preaches “pay off your home early”….at 3.25% fixed, that would be the worst decision I could make.
Dave Ramsey is a moron. Debt leverage, especially in the interest rate environment of the last decade, has been the best financial decisions I’ve made personally and for business. Why pay off debt at low interest rates ahead of the amortization schedules when you can go earn at least double in the equity markets and go over break even in investment grade fixed income?
Find a new financial savior man.
The only good networking I’ve ever done is on the golf course
House sitter in a wealthy neighborhood would be ideal
If I were Todd I would pack all my shit and move to a different country
“I play real sports, not trying to be the best at exercising.” – Comment you leave on a photo of someone doing a Tough Mudder
Had a boss who would always want to go to lunch at like 11:30 to “beat the lines”. Hated it because it made for the longest afternoons when he would invite me. Not to mention I just listened to all his personal problems, which was super exciting.
The Mooch. TFM.
Red Pill because life is short and sitting at home is boring