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I would just stay away from FHA loans personally. The fees are high and the PMI sticks with you for the life of the loan unlike a conventional where you can get rid of it after 80% LTV.

I'm working on a follow-up for some of our renter clients and need some input from homeowners outside of the industry. What was the thing that convinced you to finally buy? Why did you decide to buy in the area you did?

I'm moving my money to from LC to Prosper. of the 85 notes that have been issued, 10 have been charged off at some point with another 2 in default currently. Despite going conservative with expected returns of 8%, I was never able to manage more than 3%. I've been thinking of moving for several...

Roth will grow tax free once you withdraw it at retirement. Traditional is pre-tax money, but you'll have more at retirement that will be taxed upon withdrawal

It uses spare power on your computer you're not using and calculates cellular data with it. It's not as power intensive as bitcoin. That's pure power to harvest a bitcoin. This just uses spare cycles and is pretty respectful of your usage. It won't bog down your computer unless you tell it to...

Suit yourself. Cancer isn't just a singular thing. I guess the fact that cancer or AIDS/HIV is no longer a death sentence makes no difference then. Not to mention that there are literally dozens of types of cancer. It's not just one thing, it's a category of cell in your body

I'll let 100 publications as a result of F@H be the decider of that https://www.quora.com/Has-Stanfords-Folding-Home-project-been-a-success-or-failure It's not like most of these things will be solved overnight, so it will take lots of time and computing power to solve the complex problems...

Some of you may know, but Stanford University has been running a project for many years that allows you to install a program in your Chrome browser to help them solve complex problems that will cure diseases. It runs in the background of your computer and only affects the performance slightly...

The 401k loan is probably the worst thing you can do to pay off debt. Not only are you unplugging the money, you're borrowing the money at ~35% interest to pay off your debt. The IRS will issue a 10% penalty PLUS your tax rate on the money you borrowed. Forget shuffling the deck chairs and do...

Depending on your situation, it probably IS a good time to buy. 5 years ago when inventory was low and housing was competitive, it was a great time to buy. Last year when rates were going up and so were prices, it was a great time to buy. Just because it's not a good time for you to buy now with...

Kinda like the last time the franchise has won a championship. Makes sense. Right?! They could be winning championships too. Glad they aren't doing something crazy like that.

My thoughts exactly. Looks like they just stuck a basketball and crown on a generic griffin logo.

I would work with someone close to you. That way you can sit down with them on an annual basis and talk things over with them. There are many good FA's out there. When looking, make sure they are teaching you along the way. The worst thing and the way most FA's take advantage of people is...

Actually... I didn't. He was my 16th pick on the Republican ticket. Even then, I didn't vote for him. (Not that it would have mattered anyway. I'm in California. The democrat is going to win by 25-30% anyways so it doesn't matter if a Republican or any other party is on the ticket. They're not...

"A broke financial advisor is like a wood shop teacher with 9 fingers" Take advice from someone with LOTS of money and follow what they are doing. It's fine if the person went broke once, as long as they learned from it and they're doing something different now. I love Dave Ramsey and have...

For one, I don't agree with much the guy does. Most of his fiscal policies are basically liberal with some Republican red meat mixed in. Second, You'll notice that I haven't taken part in this thread for almost a year. Third, I've been so busy, I've barely been on NT for the past 6 months...

My wife is a teacher too. We opened a Roth 403(b) for her. Her initial district retirement rep offered us an annuity. We were ~27 at the time. DO NOT EVER let someone talk you into that piece of crap in your district. It will literally cost you over $100k in gains before retirement. But I...

A 529 is just the IRS tax code for a type of educational savings account. You can invest in stocks, mutual funds, ETF's, etc. Think of it as an IRA, but for educational purposes. If you don't use the account for one kid, it can always roll over to the second, or third. Or I believe you may even...

Terrible idea. You'll get his with a 10% penalty, PLUS your tax rate. So when you're most desperate and need the money the most, you'll be hit with a 35-40% penalty. Basically your money will disappear into thin air. ALWAYS have a separate bank account as your Emergency Fund and keep it liquid...

If you've got a Capital One bank account (or credit card I'm assuming), sign up for Credit Wise to monitor your credit. Just got a notice that someone tried to open 2 cards in my name last week. Or if you're willing to, sign up for Lastpass to build secure passwords on all of the sites you...