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carlsbadworker
ParticipantHLS, I agree with most of your points especially neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
However, I don’t think “it is extremely foolish to want a no cost or no fee loan, gambling that rates will go lower.” It really depends on individual situation (e.g. how much cash you have on hand, what job security youhave, what is your overall financial plan, etc).
In the perfect world, a loan officer should just list all the options that the client could have. And the client makes all the tradeoff for himself.
But then again, neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
ParticipantHLS, I agree with most of your points especially neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
However, I don’t think “it is extremely foolish to want a no cost or no fee loan, gambling that rates will go lower.” It really depends on individual situation (e.g. how much cash you have on hand, what job security youhave, what is your overall financial plan, etc).
In the perfect world, a loan officer should just list all the options that the client could have. And the client makes all the tradeoff for himself.
But then again, neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
ParticipantHLS, I agree with most of your points especially neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
However, I don’t think “it is extremely foolish to want a no cost or no fee loan, gambling that rates will go lower.” It really depends on individual situation (e.g. how much cash you have on hand, what job security youhave, what is your overall financial plan, etc).
In the perfect world, a loan officer should just list all the options that the client could have. And the client makes all the tradeoff for himself.
But then again, neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
ParticipantHLS, I agree with most of your points especially neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
However, I don’t think “it is extremely foolish to want a no cost or no fee loan, gambling that rates will go lower.” It really depends on individual situation (e.g. how much cash you have on hand, what job security youhave, what is your overall financial plan, etc).
In the perfect world, a loan officer should just list all the options that the client could have. And the client makes all the tradeoff for himself.
But then again, neither clueless consumers nor clueless sales people seem to want to learn what they don’t know.
ParticipantI don’t remember who said it, but in good time, you drink wine to celebrate and in bad time, you really need it.
ParticipantI don’t remember who said it, but in good time, you drink wine to celebrate and in bad time, you really need it.
ParticipantI don’t remember who said it, but in good time, you drink wine to celebrate and in bad time, you really need it.
ParticipantI don’t remember who said it, but in good time, you drink wine to celebrate and in bad time, you really need it.
ParticipantI don’t remember who said it, but in good time, you drink wine to celebrate and in bad time, you really need it.
ParticipantYour dollar with buy the same amount of house, but foreigners will come to have a bidding war with you on that house. I am diversified into foreign currency (although not part of my DP). I did that almost two years ago, and I think it might be too late to do that now. But who knows…
ParticipantYour dollar with buy the same amount of house, but foreigners will come to have a bidding war with you on that house. I am diversified into foreign currency (although not part of my DP). I did that almost two years ago, and I think it might be too late to do that now. But who knows…
ParticipantYour dollar with buy the same amount of house, but foreigners will come to have a bidding war with you on that house. I am diversified into foreign currency (although not part of my DP). I did that almost two years ago, and I think it might be too late to do that now. But who knows…
ParticipantYour dollar with buy the same amount of house, but foreigners will come to have a bidding war with you on that house. I am diversified into foreign currency (although not part of my DP). I did that almost two years ago, and I think it might be too late to do that now. But who knows…
ParticipantYour dollar with buy the same amount of house, but foreigners will come to have a bidding war with you on that house. I am diversified into foreign currency (although not part of my DP). I did that almost two years ago, and I think it might be too late to do that now. But who knows…
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