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CoronitaParticipantI should add.
You obviously spent a lot of time saving/investing wisely. There are a couple of reasons why I stopped trying to do things "myself". Time, and knowledge.
There are three things I say one should never skimp on:
1) Legal advice
2) Insurance (particularly liability/umbrella).
3) Medical advice.
As such, my grandpa (who was a politician) always reminded me to have three friends or relatives: a lawyer, a banker/investment advisor, a doctor. (I'm 1 for 3 right now).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI should add.
You obviously spent a lot of time saving/investing wisely. There are a couple of reasons why I stopped trying to do things "myself". Time, and knowledge.
There are three things I say one should never skimp on:
1) Legal advice
2) Insurance (particularly liability/umbrella).
3) Medical advice.
As such, my grandpa (who was a politician) always reminded me to have three friends or relatives: a lawyer, a banker/investment advisor, a doctor. (I'm 1 for 3 right now).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI should add.
You obviously spent a lot of time saving/investing wisely. There are a couple of reasons why I stopped trying to do things "myself". Time, and knowledge.
There are three things I say one should never skimp on:
1) Legal advice
2) Insurance (particularly liability/umbrella).
3) Medical advice.
As such, my grandpa (who was a politician) always reminded me to have three friends or relatives: a lawyer, a banker/investment advisor, a doctor. (I'm 1 for 3 right now).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI used this guy. So did a lot of a ex-coworkers at QC.
Law Office of Adam Slonim, LL.M.
Living Trusts, Wills & Estate Planning
http://www.FamilyEstatePlanner.com
6046 Cornerstone Ct. # 106
San Diego, CA 92121tel: (858) 455-1008
Living Trusts supposedly you can do it yourself. However, I opted to just pay this guy and have him do it. You probably dont have too many complicated situations. He can setup the A/B credit shelter trust if your assets are above that amount that needs shielding (which probably doesn't apply to you because you are single)
http://www.positivelights.org/abtrust.htm
When we had it done, it was $1800 for couples, $1500 for singles. That was 2-3 years ago.
If you think income taxes are bad, wait until you die and the inheritance tax kicks in.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI used this guy. So did a lot of a ex-coworkers at QC.
Law Office of Adam Slonim, LL.M.
Living Trusts, Wills & Estate Planning
http://www.FamilyEstatePlanner.com
6046 Cornerstone Ct. # 106
San Diego, CA 92121tel: (858) 455-1008
Living Trusts supposedly you can do it yourself. However, I opted to just pay this guy and have him do it. You probably dont have too many complicated situations. He can setup the A/B credit shelter trust if your assets are above that amount that needs shielding (which probably doesn't apply to you because you are single)
http://www.positivelights.org/abtrust.htm
When we had it done, it was $1800 for couples, $1500 for singles. That was 2-3 years ago.
If you think income taxes are bad, wait until you die and the inheritance tax kicks in.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI used this guy. So did a lot of a ex-coworkers at QC.
Law Office of Adam Slonim, LL.M.
Living Trusts, Wills & Estate Planning
http://www.FamilyEstatePlanner.com
6046 Cornerstone Ct. # 106
San Diego, CA 92121tel: (858) 455-1008
Living Trusts supposedly you can do it yourself. However, I opted to just pay this guy and have him do it. You probably dont have too many complicated situations. He can setup the A/B credit shelter trust if your assets are above that amount that needs shielding (which probably doesn't apply to you because you are single)
http://www.positivelights.org/abtrust.htm
When we had it done, it was $1800 for couples, $1500 for singles. That was 2-3 years ago.
If you think income taxes are bad, wait until you die and the inheritance tax kicks in.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI used this guy. So did a lot of a ex-coworkers at QC.
Law Office of Adam Slonim, LL.M.
Living Trusts, Wills & Estate Planning
http://www.FamilyEstatePlanner.com
6046 Cornerstone Ct. # 106
San Diego, CA 92121tel: (858) 455-1008
Living Trusts supposedly you can do it yourself. However, I opted to just pay this guy and have him do it. You probably dont have too many complicated situations. He can setup the A/B credit shelter trust if your assets are above that amount that needs shielding (which probably doesn't apply to you because you are single)
http://www.positivelights.org/abtrust.htm
When we had it done, it was $1800 for couples, $1500 for singles. That was 2-3 years ago.
If you think income taxes are bad, wait until you die and the inheritance tax kicks in.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantI used this guy. So did a lot of a ex-coworkers at QC.
Law Office of Adam Slonim, LL.M.
Living Trusts, Wills & Estate Planning
http://www.FamilyEstatePlanner.com
6046 Cornerstone Ct. # 106
San Diego, CA 92121tel: (858) 455-1008
Living Trusts supposedly you can do it yourself. However, I opted to just pay this guy and have him do it. You probably dont have too many complicated situations. He can setup the A/B credit shelter trust if your assets are above that amount that needs shielding (which probably doesn't apply to you because you are single)
http://www.positivelights.org/abtrust.htm
When we had it done, it was $1800 for couples, $1500 for singles. That was 2-3 years ago.
If you think income taxes are bad, wait until you die and the inheritance tax kicks in.
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantRaybarnes,
I hear an echo. Didn't I bring this up before? 🙂 J/K. Actually, I thought about this, but haven't looked into it yet . I think it *might* work if you already are making extra payments off of the mortgage, but just can't do it off a lump sum. For example, I probably pay and extra 3000000 yen /year off principle. But my paycheck comes in monthly, so Ican't for example pay the entire 3000000 yen say at the beginning if the year. BUT, if I borrow 2800000 yen from a low interest heloc and make 1 lump sum at the beginning of the year, and pay off my heloc with funds that I would have used to normally make an extra principle payment, it *might* turn out that my reduced principle of my mortage carried across the remainder of the year will save me more money than the extra interest that I am paying off of my Heloc balance, which I end up paying off each year. There's probably some magic number principle payment that makes this worthwhile the hassle. But I haven't looked into details of implementation.
The other thing might be some have mentioned getting heloc's these days are very difficult. I would say this would eliminate people that are upside down or even close to upside down. In my particular case, I already paid off about 35% of the principle, so this probably won't be a big issue for me, since I don't think my home price has fallen by 35% from the price that I purchased (yet).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantRaybarnes,
I hear an echo. Didn't I bring this up before? 🙂 J/K. Actually, I thought about this, but haven't looked into it yet . I think it *might* work if you already are making extra payments off of the mortgage, but just can't do it off a lump sum. For example, I probably pay and extra 3000000 yen /year off principle. But my paycheck comes in monthly, so Ican't for example pay the entire 3000000 yen say at the beginning if the year. BUT, if I borrow 2800000 yen from a low interest heloc and make 1 lump sum at the beginning of the year, and pay off my heloc with funds that I would have used to normally make an extra principle payment, it *might* turn out that my reduced principle of my mortage carried across the remainder of the year will save me more money than the extra interest that I am paying off of my Heloc balance, which I end up paying off each year. There's probably some magic number principle payment that makes this worthwhile the hassle. But I haven't looked into details of implementation.
The other thing might be some have mentioned getting heloc's these days are very difficult. I would say this would eliminate people that are upside down or even close to upside down. In my particular case, I already paid off about 35% of the principle, so this probably won't be a big issue for me, since I don't think my home price has fallen by 35% from the price that I purchased (yet).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantRaybarnes,
I hear an echo. Didn't I bring this up before? 🙂 J/K. Actually, I thought about this, but haven't looked into it yet . I think it *might* work if you already are making extra payments off of the mortgage, but just can't do it off a lump sum. For example, I probably pay and extra 3000000 yen /year off principle. But my paycheck comes in monthly, so Ican't for example pay the entire 3000000 yen say at the beginning if the year. BUT, if I borrow 2800000 yen from a low interest heloc and make 1 lump sum at the beginning of the year, and pay off my heloc with funds that I would have used to normally make an extra principle payment, it *might* turn out that my reduced principle of my mortage carried across the remainder of the year will save me more money than the extra interest that I am paying off of my Heloc balance, which I end up paying off each year. There's probably some magic number principle payment that makes this worthwhile the hassle. But I haven't looked into details of implementation.
The other thing might be some have mentioned getting heloc's these days are very difficult. I would say this would eliminate people that are upside down or even close to upside down. In my particular case, I already paid off about 35% of the principle, so this probably won't be a big issue for me, since I don't think my home price has fallen by 35% from the price that I purchased (yet).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantRaybarnes,
I hear an echo. Didn't I bring this up before? 🙂 J/K. Actually, I thought about this, but haven't looked into it yet . I think it *might* work if you already are making extra payments off of the mortgage, but just can't do it off a lump sum. For example, I probably pay and extra 3000000 yen /year off principle. But my paycheck comes in monthly, so Ican't for example pay the entire 3000000 yen say at the beginning if the year. BUT, if I borrow 2800000 yen from a low interest heloc and make 1 lump sum at the beginning of the year, and pay off my heloc with funds that I would have used to normally make an extra principle payment, it *might* turn out that my reduced principle of my mortage carried across the remainder of the year will save me more money than the extra interest that I am paying off of my Heloc balance, which I end up paying off each year. There's probably some magic number principle payment that makes this worthwhile the hassle. But I haven't looked into details of implementation.
The other thing might be some have mentioned getting heloc's these days are very difficult. I would say this would eliminate people that are upside down or even close to upside down. In my particular case, I already paid off about 35% of the principle, so this probably won't be a big issue for me, since I don't think my home price has fallen by 35% from the price that I purchased (yet).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantRaybarnes,
I hear an echo. Didn't I bring this up before? 🙂 J/K. Actually, I thought about this, but haven't looked into it yet . I think it *might* work if you already are making extra payments off of the mortgage, but just can't do it off a lump sum. For example, I probably pay and extra 3000000 yen /year off principle. But my paycheck comes in monthly, so Ican't for example pay the entire 3000000 yen say at the beginning if the year. BUT, if I borrow 2800000 yen from a low interest heloc and make 1 lump sum at the beginning of the year, and pay off my heloc with funds that I would have used to normally make an extra principle payment, it *might* turn out that my reduced principle of my mortage carried across the remainder of the year will save me more money than the extra interest that I am paying off of my Heloc balance, which I end up paying off each year. There's probably some magic number principle payment that makes this worthwhile the hassle. But I haven't looked into details of implementation.
The other thing might be some have mentioned getting heloc's these days are very difficult. I would say this would eliminate people that are upside down or even close to upside down. In my particular case, I already paid off about 35% of the principle, so this probably won't be a big issue for me, since I don't think my home price has fallen by 35% from the price that I purchased (yet).
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
CoronitaParticipantNot that I am into street racing or anything, but what's wrong with that? At least, you will have something to talk to your neighbors about, other than real estate. If you're a 'pig', your new neighbors will hate you for buying at 70% off peak, so talking real estate is sure as hell not going to make you any friends.
Nothing, if any of these modifications did anything to increase performance.
The purpose of a a lowered ride is to improve handling characteristics, which usually is the result in stiffer, lowered suspension, NOT someone cutting a spring to have the appearance of it. Real aftermarket exhausts are suppose to relieve restrictions, for example on a turbo charged car in the such that there is more free flow exhaust gas used to spin spool the turbos. Most of the exhausts you see on these riceboy cars sole purpose is to make a 4 cylinder sound like a sewing machine, and in the process probably adding restriction to the exhaust system. Performance chrome wheels are an "irony", because chrome weighs a lot. And the aerodynamics treatment is ironic because most of the cars that they are found on can't go fast enough for it to be useful and probably worsens the aerodynamics.
There's an entire webpage dedicated to explaining the riceboy culture.
http://riceboypage.com/what_is_riceboy/
with examples
[img_assist|nid=5962|title=selfportrait|desc=|link=node|align=left|width=100|height=80]
—– Sour grapes for everyone!
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