Help… Should we sell, or stay???

[Raybyrnes]

Colleges are going to look at both asset and savings. The nice thing about a home is that it is not factored into the equasion. Therefore if you are looking to get financial assistance it is good to be house rich and savings poor.

If I had children getting ready for college my strategy would be to pay down as much of my home as I could minimizing my savings that I am suppose to report and simultaneously opening up a line of credit on the home so I still have access to the money.

Additionally your kids regarless of income will qualify for federal stafford loans which helps them build credit, take ownership in their education, and you can always help them pay off as a reward for doing well in school.

You will also have a federal Parent Plus loans available once again regarqdless of how much you make. Not a good deal at the moment but I would suspect it will be changing to a more favorable program in the not to distant future.

Bottom line is that you have options.

[Enorah]

For what it is worth, do what will cause you to feel safe and relaxed in this moment. Your high bp could be a result of pointing a loaded gun of perfection and ideals about success at your head and then working as if that gun could go off at any second.

It feels to me as if you are not happy, in this moment. Therefore you are not providing the kind of environment you wish to give your kids that will help them to feel confident and secure within themselves.

I wish you the best on your search for peace.

Meditation, yoga, being in nature, all of those things and many more are excellent antidotes to your high bp (and yes I am aware that I am talking with a doctor 🙂 ). If you are not able to enjoy life, but instead treat life as if it is some kind of game you have to win, you will not find the answers you need for yourself. Let go of needing to win and be happy.

[Enorah]

For what it is worth, do what will cause you to feel safe and relaxed in this moment. Your high bp could be a result of pointing a loaded gun of perfection and ideals about success at your head and then working as if that gun could go off at any second.

It feels to me as if you are not happy, in this moment. Therefore you are not providing the kind of environment you wish to give your kids that will help them to feel confident and secure within themselves.

I wish you the best on your search for peace.

Meditation, yoga, being in nature, all of those things and many more are excellent antidotes to your high bp (and yes I am aware that I am talking with a doctor 🙂 ). If you are not able to enjoy life, but instead treat life as if it is some kind of game you have to win, you will not find the answers you need for yourself. Let go of needing to win and be happy.

[Enorah]

For what it is worth, do what will cause you to feel safe and relaxed in this moment. Your high bp could be a result of pointing a loaded gun of perfection and ideals about success at your head and then working as if that gun could go off at any second.

It feels to me as if you are not happy, in this moment. Therefore you are not providing the kind of environment you wish to give your kids that will help them to feel confident and secure within themselves.

I wish you the best on your search for peace.

Meditation, yoga, being in nature, all of those things and many more are excellent antidotes to your high bp (and yes I am aware that I am talking with a doctor 🙂 ). If you are not able to enjoy life, but instead treat life as if it is some kind of game you have to win, you will not find the answers you need for yourself. Let go of needing to win and be happy.

[Enorah]

For what it is worth, do what will cause you to feel safe and relaxed in this moment. Your high bp could be a result of pointing a loaded gun of perfection and ideals about success at your head and then working as if that gun could go off at any second.

It feels to me as if you are not happy, in this moment. Therefore you are not providing the kind of environment you wish to give your kids that will help them to feel confident and secure within themselves.

I wish you the best on your search for peace.

Meditation, yoga, being in nature, all of those things and many more are excellent antidotes to your high bp (and yes I am aware that I am talking with a doctor 🙂 ). If you are not able to enjoy life, but instead treat life as if it is some kind of game you have to win, you will not find the answers you need for yourself. Let go of needing to win and be happy.

[Enorah]

For what it is worth, do what will cause you to feel safe and relaxed in this moment. Your high bp could be a result of pointing a loaded gun of perfection and ideals about success at your head and then working as if that gun could go off at any second.

It feels to me as if you are not happy, in this moment. Therefore you are not providing the kind of environment you wish to give your kids that will help them to feel confident and secure within themselves.

I wish you the best on your search for peace.

Meditation, yoga, being in nature, all of those things and many more are excellent antidotes to your high bp (and yes I am aware that I am talking with a doctor 🙂 ). If you are not able to enjoy life, but instead treat life as if it is some kind of game you have to win, you will not find the answers you need for yourself. Let go of needing to win and be happy.

[UCGal]

Given your family situation – I agree with your wife – she has a job. A very important one.

But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.

Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.

You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.

When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.

[UCGal]

Given your family situation – I agree with your wife – she has a job. A very important one.

But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.

Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.

You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.

When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.

[UCGal]

Given your family situation – I agree with your wife – she has a job. A very important one.

But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.

Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.

You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.

When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.

[UCGal]

Given your family situation – I agree with your wife – she has a job. A very important one.

But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.

Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.

You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.

When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.

[UCGal]

Given your family situation – I agree with your wife – she has a job. A very important one.

But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.

Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.

You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.

When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.

[teatsonabull]

OT a bit but germane to the OP-Just out of curiosity, why do so many people homeschool in SD County? Especially the well-to-do? There appear to be some very good public and private schools in the county, no?

[teatsonabull]

OT a bit but germane to the OP-Just out of curiosity, why do so many people homeschool in SD County? Especially the well-to-do? There appear to be some very good public and private schools in the county, no?

[teatsonabull]

OT a bit but germane to the OP-Just out of curiosity, why do so many people homeschool in SD County? Especially the well-to-do? There appear to be some very good public and private schools in the county, no?

[teatsonabull]

OT a bit but germane to the OP-Just out of curiosity, why do so many people homeschool in SD County? Especially the well-to-do? There appear to be some very good public and private schools in the county, no?

[Author]

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