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January 10, 2008 at 4:33 PM in reply to: Slow decline or is a big chunk about to be ripped out? #133637January 10, 2008 at 4:33 PM in reply to: Slow decline or is a big chunk about to be ripped out? #133828
(former)FormerSanDiegan
ParticipantWhat if we have a repeat of this last six months in either the first half or second half of next year or both? WOW! It certainly seems the road would start flattening out around then. It looks like the appreciation of the phony years can come of as fast as it went on.
Rustico – Based on the current situation I tend to agree with your notion above. I think we are currently in the steepest part of the depreciation for this real estate cycle. I believe that the down cycle is over half way complete in terms of price, but maybe only 1/4 to 1.3 in terms of duration.
January 10, 2008 at 4:33 PM in reply to: Slow decline or is a big chunk about to be ripped out? #133840ParticipantWhat if we have a repeat of this last six months in either the first half or second half of next year or both? WOW! It certainly seems the road would start flattening out around then. It looks like the appreciation of the phony years can come of as fast as it went on.
Rustico – Based on the current situation I tend to agree with your notion above. I think we are currently in the steepest part of the depreciation for this real estate cycle. I believe that the down cycle is over half way complete in terms of price, but maybe only 1/4 to 1.3 in terms of duration.
January 10, 2008 at 4:33 PM in reply to: Slow decline or is a big chunk about to be ripped out? #133893ParticipantWhat if we have a repeat of this last six months in either the first half or second half of next year or both? WOW! It certainly seems the road would start flattening out around then. It looks like the appreciation of the phony years can come of as fast as it went on.
Rustico – Based on the current situation I tend to agree with your notion above. I think we are currently in the steepest part of the depreciation for this real estate cycle. I believe that the down cycle is over half way complete in terms of price, but maybe only 1/4 to 1.3 in terms of duration.
January 10, 2008 at 4:33 PM in reply to: Slow decline or is a big chunk about to be ripped out? #133931ParticipantWhat if we have a repeat of this last six months in either the first half or second half of next year or both? WOW! It certainly seems the road would start flattening out around then. It looks like the appreciation of the phony years can come of as fast as it went on.
Rustico – Based on the current situation I tend to agree with your notion above. I think we are currently in the steepest part of the depreciation for this real estate cycle. I believe that the down cycle is over half way complete in terms of price, but maybe only 1/4 to 1.3 in terms of duration.
ParticipantI have a small student loan that I needed to take out for college and I want to get rid of that as soon as I can.
Depending on the type of loan and rate you may actually be better off simply making the standard payment. But, whatever you do do not fall into the consolidation loan trap.
Once upon a time I had a student loan whose interest rate dipped as low as 2% in the Early 2000’s. The reason: After making 48 consecutive monthly electronic payments, Sallie Mae gave be an additional 2% cut. Don’t know if that program still exists. But I kept that loan until year 9 when it was so small I could pay it off with a single paycheck.
Also, Student loan interest is deductible, so you may be better off putting money away in an emergency fund or investments before paying it off.
ParticipantI have a small student loan that I needed to take out for college and I want to get rid of that as soon as I can.
Depending on the type of loan and rate you may actually be better off simply making the standard payment. But, whatever you do do not fall into the consolidation loan trap.
Once upon a time I had a student loan whose interest rate dipped as low as 2% in the Early 2000’s. The reason: After making 48 consecutive monthly electronic payments, Sallie Mae gave be an additional 2% cut. Don’t know if that program still exists. But I kept that loan until year 9 when it was so small I could pay it off with a single paycheck.
Also, Student loan interest is deductible, so you may be better off putting money away in an emergency fund or investments before paying it off.
ParticipantI have a small student loan that I needed to take out for college and I want to get rid of that as soon as I can.
Depending on the type of loan and rate you may actually be better off simply making the standard payment. But, whatever you do do not fall into the consolidation loan trap.
Once upon a time I had a student loan whose interest rate dipped as low as 2% in the Early 2000’s. The reason: After making 48 consecutive monthly electronic payments, Sallie Mae gave be an additional 2% cut. Don’t know if that program still exists. But I kept that loan until year 9 when it was so small I could pay it off with a single paycheck.
Also, Student loan interest is deductible, so you may be better off putting money away in an emergency fund or investments before paying it off.
ParticipantI have a small student loan that I needed to take out for college and I want to get rid of that as soon as I can.
Depending on the type of loan and rate you may actually be better off simply making the standard payment. But, whatever you do do not fall into the consolidation loan trap.
Once upon a time I had a student loan whose interest rate dipped as low as 2% in the Early 2000’s. The reason: After making 48 consecutive monthly electronic payments, Sallie Mae gave be an additional 2% cut. Don’t know if that program still exists. But I kept that loan until year 9 when it was so small I could pay it off with a single paycheck.
Also, Student loan interest is deductible, so you may be better off putting money away in an emergency fund or investments before paying it off.
ParticipantI have a small student loan that I needed to take out for college and I want to get rid of that as soon as I can.
Depending on the type of loan and rate you may actually be better off simply making the standard payment. But, whatever you do do not fall into the consolidation loan trap.
Once upon a time I had a student loan whose interest rate dipped as low as 2% in the Early 2000’s. The reason: After making 48 consecutive monthly electronic payments, Sallie Mae gave be an additional 2% cut. Don’t know if that program still exists. But I kept that loan until year 9 when it was so small I could pay it off with a single paycheck.
Also, Student loan interest is deductible, so you may be better off putting money away in an emergency fund or investments before paying it off.
ParticipantThe real losers are anyone still short CFC. Up 50% ! Ouch.
That’s the problem with stocks of virtually bankrupt companies. Their stock tends to get jerked around a lot as it shrinks.ParticipantThe real losers are anyone still short CFC. Up 50% ! Ouch.
That’s the problem with stocks of virtually bankrupt companies. Their stock tends to get jerked around a lot as it shrinks.ParticipantThe real losers are anyone still short CFC. Up 50% ! Ouch.
That’s the problem with stocks of virtually bankrupt companies. Their stock tends to get jerked around a lot as it shrinks.ParticipantThe real losers are anyone still short CFC. Up 50% ! Ouch.
That’s the problem with stocks of virtually bankrupt companies. Their stock tends to get jerked around a lot as it shrinks.ParticipantThe real losers are anyone still short CFC. Up 50% ! Ouch.
That’s the problem with stocks of virtually bankrupt companies. Their stock tends to get jerked around a lot as it shrinks. -
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