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LSUTOM07
| Favorite team: | LSU  |
| Location: | Baton Rouge |
| Biography: | |
| Interests: | |
| Occupation: | |
| Number of Posts: | 765 |
| Registered on: | 12/21/2011 |
| Online Status: | Not Online |
Recent Posts
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re: RSU strategies
Posted by LSUTOM07 on 3/7/24 at 3:57 pm
[quote]see if 83(b) makes sense[/quote]
Not applicable for RSUs...
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re: Why are so many ppl still hung up on the “non-physicality” or “non-productivity” of BTC?
Posted by LSUTOM07 on 3/4/24 at 2:26 pm
What is another non-physical non-productive asset to compare it to?
How do you value such an asset?...
re: How much money is leftover to spend per day on yourself after all your bills are paid?
Posted by LSUTOM07 on 6/4/23 at 4:15 pm
[quote]I’m always floored by people making 200k/year yet they have a mortgage and car payments[/quote]
This would be expected for someone who financed with low interest rates. ...
re: Have any of y’all ordered a F-150 through Ford?
Posted by LSUTOM07 on 7/29/22 at 6:00 pm
I ordered a Lariat in Feb, and it’s just now being built.
Not all dealerships will allow X-plan. If they don’t.. walk. Also watch out for add ons like bed liner, tint, etc. You will show up to pick up your new truck, and it will have 2,500 in add ons already on your truck that you didn’t agree t...
re: Mortgage demand falls to lowest level in 22 years amid rising rates, slowing home sales
Posted by LSUTOM07 on 6/8/22 at 12:28 pm
[quote]Can you explain the reasoning behind never paying more than the minimum note?[/quote]
Investing your money rather than paying off a low interest rate mortgage will always win in the long run. ...
re: Looking for Winchester M70 308
Posted by LSUTOM07 on 1/31/22 at 3:30 pm
Im looking to buy a Winchester M70 as well. Per a dealer in the Dallas area, I was told that they would have to place an order with Winchester and I could expect to wait 12-18 months....
re: How old are you and how much goes toward your retirement each month?
Posted by LSUTOM07 on 12/13/21 at 9:41 pm
[quote]I contribute the absolute max, which is $19,500 pretax regardless what people tell you in here. There are catch up provisions with age. [/quote]
Do you even Mega Backdoor Roth? There are absolutely employer plans that allow total retirement contributions to exceed $19,500....
re: Paid off my house yesterday.
Posted by LSUTOM07 on 8/15/21 at 2:21 pm
[quote]Yes sir! Peace of mind is priceless![/quote]
[quote]I don't feel like I've missed out on anything.[/quote]
Congrats on the milestone, but I wouldn't use how you "feel" to quantify the opportunity cost of having significant equity tied up in your house while rates are at rock bottom and ...
re: Paid off my house yesterday.
Posted by LSUTOM07 on 8/14/21 at 10:06 pm
With interest rates at all time lows, at least you have peace of mind. ...
re: House(s) on the market
Posted by LSUTOM07 on 5/3/21 at 12:32 pm
Im surprised to see all of the posters trying to time the real estate market by selling their home and moving their family into a rental. The general consensus on this board is to buy and hold, yet this seems to be the exception.
For those that sold, what do you do it 12-24 months if the market ...
re: I sat next to a Dogecoin enthusiast in a bar today.
Posted by LSUTOM07 on 5/1/21 at 9:56 pm
[quote]When it jumped to $.08 and then dropped to $.051 I knew I should buy because straight momentum was going to rifle it up a lot [/quote]
Wow that’s one heck of a technical analysis! I’m not sure how anyone could possibly think that those who are profiting on Doge are simply lucky. ...
re: Did 401k/IRA balance thread get whacked? Why?
Posted by LSUTOM07 on 4/30/21 at 12:52 pm
[quote]The ole boy, at 30yo, posting about Mega Backdoors at the end caught my attention. He had only found out about them three years ago but had $235k in a Roth.
Maybe with 15 years of contributions at $6k and Mega back door contributions for the last three years it might be possible. You just ...
re: House(s) on the market
Posted by LSUTOM07 on 4/29/21 at 6:38 pm
[quote]quote:
What happens when the homes appraiseS less than sell price? Are these buyers coming out of pocket for the difference?
they make an offer to pay X-amount above appraisal price.[/quote]
Except many are having to waive the appraisal contingency in order to be competitive with the...
re: Is the housing market next
Posted by LSUTOM07 on 3/5/21 at 11:35 am
[quote]stockmarket bloodbath[/quote]
What bloodbath?!...
re: New Current Mortgage Rates Thread
Posted by LSUTOM07 on 2/28/21 at 8:29 pm
Friday I locked 3% on 30 year fixed jumbo purchase in Dallas suburbs. Excellent credit. For some reason.. jumbo rates quoted were better than conventional.
720k home with 20% down. Fraction of a point. Fee waived by lender.
I was just quoted 2.5% 3 weeks ago. I can’t complain but man that’s f...
re: Over 65 Cash Offers for Property >$300k in DC Area
Posted by LSUTOM07 on 2/22/21 at 12:18 pm
Houses in the Dallas suburbs ranging from 500-800k are going significantly over asking and all cash. Appraisals waived and many purchased sight unseen within hours of hitting the market.
I don’t see this changing without more inventory. ...
re: With everything booming, is there something that hasn't lifted off yet?
Posted by LSUTOM07 on 6/5/20 at 4:23 pm
[quote]Anything lying in the weeds?[/quote]
I'm betting on banks with a 2-3 year time horizon. They are still priced for heavy defaults, yet the overall market is reflecting a V. One of them is correct. We shall see which. ...
re: HTZ has doubled today
Posted by LSUTOM07 on 6/5/20 at 11:36 am
[quote]How long do y’all anticipate it will take to get to the pre Covid price[/quote]
You cant just assume it will get back to pre Covid price. ...
re: Why don’t cops start shooting
Posted by LSUTOM07 on 6/1/20 at 2:31 am
[quote]
The people who think the solution is to "just start shooting" are fricking retarded.[/quote]
Just for reference.. This was the approach in New Orleans during Katrina. Shoot looters on sight. These looters are not different than looters during Katrina. People taking advantage of the opport...
re: XOM, still a buy?
Posted by LSUTOM07 on 5/22/20 at 7:18 pm
[quote]gas and liquid fuel is only part of a barrel of oil[/quote]
A major part. Gas and fuel represent around 75% of a barrel of oil. ...
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