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Mortgage payments... no more!

 
gooderboy
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User ID: 69406
United States
12/04/2007 10:05 AM
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Mortgage payments... no more!
Hip hip and hooray!!!!... I just now made me last house payment. And oh, I know I know... I know that we never really own our land... but and however... lol me 'rent' now drops to like only about 75 bucks a month... and that is like just totally kewl!
Anonymous Coward
User ID: 332547
Japan
12/04/2007 10:08 AM
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Re: Mortgage payments... no more!
Feels good doesn`t it. Can`t wait for real freedom though such as having a body which requires no food or water, can travel at will anywhere in the multi-verse and never ages.
malu

User ID: 321190
United States
12/04/2007 10:11 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent
"By way of deception, thou shalt do war."

Israel's Mossad

"The truth shall set you free."

U.S. Central Intelligence Agency Motto
gooderboy (OP)

User ID: 69406
United States
12/04/2007 10:27 AM
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Re: Mortgage payments... no more!
Feels good doesn`t it. Can`t wait for real freedom though such as having a body which requires no food or water, can travel at will anywhere in the multi-verse and never ages.
 Quoting: Anonymous Coward 332547


... yeah... it sure does feel gooder.... and no way, lol, and in a sense anyways.... and cuz I loves food and water... and although there may be come a day when I no longer 'require' them, I would still never wanna be without 'em.

And and and... I'd say that as per 'your will' you can already travel anywheres ya may so like... and that be inclusive of all known and un-known uni/multi-versings to boot.

And then as far as any of that age-ing kinda stuff goes... well... ti's really just a matter of mind, and if ya don't mind... then it really doesn't matter a'tall.
or...
... lol, how's about maybe just thinking of yourself as a most fine bottle of wine.
Anonymous Coward
User ID: 981
United States
12/04/2007 10:27 AM
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Re: Mortgage payments... no more!
Enjoy the new found freedom with MORE income..than outgo~!
gooderboy (OP)

User ID: 69406
United States
12/04/2007 10:29 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent
 Quoting: malu


... thanks malu, and a great big hi to ya too... lol, and at least you can most right-fully say that ya own your tent.... but but and but... what about the land that your tent is on?
gooderboy (OP)

User ID: 69406
United States
12/04/2007 10:35 AM
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Re: Mortgage payments... no more!
Enjoy the new found freedom with MORE income..than outgo~!
 Quoting: Anonymous Coward 981


... thanks, and for sure I will, I am. I am just soooo getting over all of that always paying out every month kinda stuff... and I'm sticking with that 'if ya can't afford to pay cash for it then ya really don't need it' from now on... lol, and that is I sure hope so anyways.
malu

User ID: 321190
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12/04/2007 10:46 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent


... thanks malu, and a great big hi to ya too... lol, and at least you can most right-fully say that ya own your tent.... but but and but... what about the land that your tent is on?
 Quoting: gooderboy



no no, no more or no less than a tumble weed :)

i lived in a motorhome for five years traveling the country, anywhere i stopped was home, i really liked that
"By way of deception, thou shalt do war."

Israel's Mossad

"The truth shall set you free."

U.S. Central Intelligence Agency Motto
Anonymous Coward
User ID: 335121
United States
12/04/2007 10:49 AM
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Re: Mortgage payments... no more!
Not to be critical or encourage debt or anything, but couldn't you get a loan against the priniciple, write off the interest, and earn 5% or so on that money while maintaining the money to pay off the note rather immediately. Granted with all the financial doom it may not be a smart time to do this.

Our CPA (I have a block with taxes) won't let us pay ahead our mortgage because we need the deductions and while the value of the dollar is going away so fast, I'm happy to spend it on materials for fence, barn, and water catchement and stuff...
gooderboy (OP)

User ID: 69406
United States
12/04/2007 11:15 AM
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Re: Mortgage payments... no more!
Not to be critical or encourage debt or anything, but couldn't you get a loan against the priniciple, write off the interest, and earn 5% or so on that money while maintaining the money to pay off the note rather immediately. Granted with all the financial doom it may not be a smart time to do this.

Our CPA (I have a block with taxes) won't let us pay ahead our mortgage because we need the deductions and while the value of the dollar is going away so fast, I'm happy to spend it on materials for fence, barn, and water catchement and stuff...
 Quoting: Anonymous Coward 335121


... yes, yes it would... but, lol, I really don't like doing all that kinda stuff any more... and cuz for me it's just tooooo busy-ness like.
(lol, tooo much to remember to do)

I owned a liquor/video store for like 10 years, and I was like a bus-i-ness drone, or married to the business, and just about 24/7 it was too. I did the books, paid the payroll, saw all the movies coming out so I'd know what to order, and maintained/stocked a rather large inventory of booze to boot. And boy oh boy let me tell ya, like just 5 cases of booze can cost ya some 3000 bucks too... dang, but booze is expensive to keep on hand. But anyways... I went through state and federal audits (liquor stores in general are just prime for them too... I had no idea, lol) and bankers (they just have a heavy duty thang about inventory loans on booze... which, and come this here holiday time of the year... is more than often needed too... and as in say multi cases of asti and champagne brands as opposed to usually just having so many bottles of each brand always on hand)

Soooo, when I got out of that small business sorta world, I just vowed to myself for to keep it all just as simple as possible. I short form now, and that's even a bitch for me to get myself to sit down to do. And... I really really do not want to do all of that busy-ness kinda stuff anymore... lol, I'd just rather be outside and playing I guess.... it's a lot more funner.
~Ajax~
User ID: 333406
United States
12/04/2007 11:19 AM
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Re: Mortgage payments... no more!
gooderboy...now here is a true happy creator!!
great for you man....
enjoy the simple & thanks for sharing!!!
hf
Zode nli
User ID: 256779
United States
12/04/2007 11:24 AM
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Re: Mortgage payments... no more!
Much joy for you! hf
gooderboy (OP)

User ID: 69406
United States
12/04/2007 11:24 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent


... thanks malu, and a great big hi to ya too... lol, and at least you can most right-fully say that ya own your tent.... but but and but... what about the land that your tent is on?



no no, no more or no less than a tumble weed :)

i lived in a motorhome for five years traveling the country, anywhere i stopped was home, i really liked that
 Quoting: malu


.... sooooo, lol, you could almost be said to be like a sorta 'tumblin' tumbleweed' then, huh? Free to wherever them winds may blow...

I've done that one too... not for as long though. And to this day I have me also a motor home out there as well... and I calls him 'Mobley', lol... he's great too!!!!
(a big six with 4 on the floor, 19 foot, fully contained [w/generator as well] '81 Ford Coachman... doesn't burn any oil, 22mpg, and has only 45,000 miles on him... he is really cherried out and in mint condition too)
Hannibal
User ID: 334032
United States
12/04/2007 11:27 AM
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Re: Mortgage payments... no more!
There are still many ways the house can be taken from you.

-High tax burden that you can't pay.
-Emminent Domain.
-Big medical bills with resulting judgement.
-Frivolous law suits.
-Change in government.
-Divorce.
Anonymous Coward
User ID: 335121
United States
12/04/2007 11:28 AM
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Re: Mortgage payments... no more!
Gooder for you. Although the liquor store is the one thing I expect to do well, if/when times get rough. Total raquet on the liquor thing too as distilling for drinking is illegal, although as a fuel the idea is intriguing....



Not to be critical or encourage debt or anything, but couldn't you get a loan against the priniciple, write off the interest, and earn 5% or so on that money while maintaining the money to pay off the note rather immediately. Granted with all the financial doom it may not be a smart time to do this.


... yes, yes it would... but, lol, I really don't like doing all that kinda stuff any more... and cuz for me it's just tooooo busy-ness like.
(lol, tooo much to remember to do)

I owned a liquor/video store for like 10 years, and I was like a bus-i-ness drone, or married to the business, and just about 24/7 it was too. I did the books, paid the payroll, saw all the movies coming out so I'd know what to order, and maintained/stocked a rather large inventory of booze to boot. And boy oh boy let me tell ya, like just 5 cases of booze can cost ya some 3000 bucks too... dang, but booze is expensive to keep on hand. But anyways... I went through state and federal audits (liquor stores in general are just prime for them too... I had no idea, lol) and bankers (they just have a heavy duty thang about inventory loans on booze... which, and come this here holiday time of the year... is more than often needed too... and as in say multi cases of asti and champagne brands as opposed to usually just having so many bottles of each brand always on hand)

Soooo, when I got out of that small business sorta world, I just vowed to myself for to keep it all just as simple as possible. I short form now, and that's even a bitch for me to get myself to sit down to do. And... I really really do not want to do all of that busy-ness kinda stuff anymore... lol, I'd just rather be outside and playing I guess.... it's a lot more funner.
 Quoting: gooderboy
Anonymous Coward
User ID: 335121
United States
12/04/2007 11:43 AM
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Re: Mortgage payments... no more!
There are still many ways the house can be taken from you.

-High tax burden that you can't pay.
Well, if the property becomes worth that much, it's probably a better idea to take the money and run, I can't understand how there are any small stores left in Santa Monica.....
-Emminent Domain.
The Texas legislature floated at least a bill to sell back emminent domain to the owner here, We may just beat the TTC through the legislature here
-Big medical bills with resulting judgement.
not in Texas afaik
-Frivolous law suits.
only liability afaik in Texas, and that's why we're armed and insured, but there is that Indian lawsuit...
-Change in government.
lol I think most incorporated land could be foreclosed on by the current fiscial negligent government, but I've a hard time seeing that flying unless the Chinese/Indians are coming over by the millions/day and we're occupied UN or otherwise....

-Divorce.
Well that's a personal contract you've got yourself into, the closer you are to sustainability, the less sense selling a commonly held property makes

 Quoting: Hannibal 334032
Anonymous Coward
User ID: 335121
United States
12/04/2007 11:44 AM
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Re: Mortgage payments... no more!
We're just a bunch of rednecks, though.... Don't move here the mosquito's are terrible...
gooderboy (OP)

User ID: 69943
United States
12/04/2007 08:52 PM
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Re: Mortgage payments... no more!
gooderboy...now here is a true happy creator!!
great for you man....
enjoy the simple & thanks for sharing!!!
hf
 Quoting: ~Ajax~ 333406


... and thanks abunches Msr Ajax, and gooder it is to see ya. It's kinda really gooder timing too, and cuz I just finished up with all the re-siding, and then priming, and then painting of me abode as well (and it all came to just right at 3,000 bucks). And then come this next spring I'm also redoing (and I'm enlarging upon two of them) all three of my out side decks... and...I am doin' it all on me own... no home improvement kinda loans or anything... and... I'm a'figuring that they are going to come to right about 2,000 dollars.
gooderboy (OP)

User ID: 69943
United States
12/04/2007 09:02 PM
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Re: Mortgage payments... no more!
There are still many ways the house can be taken from you.

-High tax burden that you can't pay.
-Emminent Domain.
-Big medical bills with resulting judgement.
-Frivolous law suits.
-Change in government.
-Divorce.
 Quoting: Hannibal 334032


... not much chance on the first two, and cuz I live way out here in the boonies (me taxes are super cheap, lol). Big medical bills???... well... I've gots really gooder insurance and I work for the USPS... and too... I'm also kinda one of those people that them insurance companies just love and cuz I just never get sick and/or use 'em at all.

And too... not much chance of them frivolous kinda law suits either... and again, lol, just too too far out here in the boonies (well... and I like know everyone in the 4 surrounding counties really well too). Now a change in government might could do it, but... lol, methinks/feels not... well... and anyways us country folk out here in the boonies are also pretty dang well buffered from all of them kinda trips as it is. And and and... no divorce, lol, and cuz I ain't married (I just don't believe in it is all).
THE DOOM

User ID: 324260
Australia
12/04/2007 09:04 PM
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Re: Mortgage payments... no more!
Hip hip and hooray!!!!... I just now made me last house payment. And oh, I know I know... I know that we never really own our land... but and however... lol me 'rent' now drops to like only about 75 bucks a month... and that is like just totally kewl!
 Quoting: gooderboy


Yeah...its good...just such a pity that your house and millions of others will soon be nothing more than landfill.
Anonymous Coward
User ID: 330782
United States
12/05/2007 01:52 AM
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Re: Mortgage payments... no more!
Hip hip and hooray!!!!... I just now made me last house payment. And oh, I know I know... I know that we never really own our land... but and however... lol me 'rent' now drops to like only about 75 bucks a month... and that is like just totally kewl!
 Quoting: gooderboy

Really nice to have such a rent reduction, isn't it Gooder.. Congrads.. at least you know you still are only renter, so many others are so delusional.
Anonymous Coward
User ID: 330782
United States
12/05/2007 01:52 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent
 Quoting: malu

Me too.. and that is OWN and not rent, a tent.
Anonymous Coward
User ID: 330782
United States
12/05/2007 01:54 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent


... thanks malu, and a great big hi to ya too... lol, and at least you can most right-fully say that ya own your tent.... but but and but... what about the land that your tent is on?
 Quoting: gooderboy

Been looking for a way to hang my tent upon the air... or do I have to rent airspace.. hmmmm ??? hiding
gooderboy (OP)

User ID: 70988
United States
12/05/2007 07:45 AM
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Re: Mortgage payments... no more!
Hip hip and hooray!!!!... I just now made me last house payment. And oh, I know I know... I know that we never really own our land... but and however... lol me 'rent' now drops to like only about 75 bucks a month... and that is like just totally kewl!


Yeah...its good...just such a pity that your house and millions of others will soon be nothing more than landfill.
 Quoting: THE DOOM


... I just gots to love ya Msr DOOM, lol... and just cuz you're such a perfecto sorta sheeple... and like the way that you always seem to buy into all of that fear-based kinda stuff.
gooderboy (OP)

User ID: 70988
United States
12/05/2007 07:47 AM
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Re: Mortgage payments... no more!
good for you gooderboy!


i own a tent


... thanks malu, and a great big hi to ya too... lol, and at least you can most right-fully say that ya own your tent.... but but and but... what about the land that your tent is on?

Been looking for a way to hang my tent upon the air... or do I have to rent airspace.. hmmmm ??? hiding
 Quoting: Anonymous Coward 330782


... or, lol, why not just tree it... seems most folks never look up anyways.
arcaneshift
User ID: 335813
United States
12/05/2007 08:02 AM
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Re: Mortgage payments... no more!
I celebrate your good fortune .
Anonymous Coward
User ID: 279820
United States
12/05/2007 08:11 AM
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Re: Mortgage payments... no more!
Not to be critical or encourage debt or anything, but couldn't you get a loan against the priniciple, write off the interest, and earn 5% or so on that money while maintaining the money to pay off the note rather immediately. Granted with all the financial doom it may not be a smart time to do this.

Our CPA (I have a block with taxes) won't let us pay ahead our mortgage because we need the deductions and while the value of the dollar is going away so fast, I'm happy to spend it on materials for fence, barn, and water catchement and stuff...
 Quoting: Anonymous Coward 335121



Change CPA's......Spend all that Amortized interest for a tax deduction! That like trading a dollar for 30 cents over, and over, and over........
gooderboy (OP)

User ID: 70988
United States
12/05/2007 08:21 AM
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Re: Mortgage payments... no more!
I celebrate your good fortune .
 Quoting: arcaneshift 335813


... thanks a lot... it's a first for me, lol... well... and just the thought of paying so little, and from now on, for to live here... well, it just kinda also blows me away. At this rate, lol, I may... I just may.... be able to really afford to retire one day too.



... oh... I'm sorry... and thanks to you Zode nli (up thar further) too.
Anonymous Coward
User ID: 275504
United States
12/05/2007 08:29 AM
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Re: Mortgage payments... no more!
do you realize how many people are payin g mortages on houses they can't live in in new orleans just to maintain their credit rating>
Puissantone
User ID: 413257
United States
04/11/2008 09:51 AM
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Re: Mortgage payments... no more!
Hi Gooderboy,

I know what you mean. I paid cash for my house when I sold my other one when the market was insanely high and I should've left it that way but I wanted to open a new business so I borrowed against the house and now biz is slow b/c I mfg and install real estate sign posts ... but I'm branching into solar systems and those walk in Tubs so I'm surviving but my mortgage is a bear and I can't wait to get rid of it and just leave it alone. I would rather putter in my garden all day and create beautiful landscape. I live next to a mtn and at the base of another mtn range and it's on top of the San Andreas fault so there are TONS of rocks and small boulders so my goal is to harvest the stones and make a stone wall around the house and property. I'm ADD so I worry that it might turn into a fort but it will be fun nonetheless. I'm in Southern California so I have to consider quakes but the last one was 1985 and they say they happen every 85 years so I should be good to 2070.
But I hear ya for sure. Keep it simple. Life needs to be less and less complicated ... we can always read to add complications but then once the book is set down all the stress is gone.
Good attitude. Enjoy your New found Freedom!
:-)
Dartagnon
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United States
09/09/2009 09:20 AM
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Re: Mortgage payments... no more!
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