Entries Tagged as 'Loans'

Addressing risk by increasing liquidity

February 10th, 2009 · 2 Comments

We’ve decided to stop making extra principal payments on our loans. Instead we’re going to direct that money into our GI portfolio to increase our liquidity. Here is our reasoning.

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The Risk In Chasing Performance
Finding Low Risk Dividend Stocks
Read more on Liquidity, Risk at Wikinvest

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Tags: Loans · Personal Finance

Will the Fed’s actions to lower mortgage rates make it a no-brainer to refinance?

December 14th, 2008 · No Comments

I’ve read a number of recent news items that indicate the government is thinking about taking action to push the 30-year fixed mortgage rate down to around 4.5%. I’m not sure my wife and I are their target market for any resulting action, but this is a lower rate than we’re currently paying on our mortgage and it may be by a big enough margin that we should be planning to refinance our home if rates do drop. I did a bit of research about refinancing and here’s what I found.

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Anticipating The Rate Hike
Rising Interst Rates Historically A Positive For Equity Returns
Read more on Refinancing, Federal Reserve, Mortgage at Wikinvest

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Tags: Loans

What’s the impact of inflation on a yield comparison decision?

November 24th, 2008 · No Comments

While doing a bit of recent PF blog reading, I came across a statement on GetRichSlick that made me realize I had forgotten to mention one important aspect, given the current economic climate, about a recent decision my wife and I had come to regarding paying off our auto loan early. I’m talking about the idea that “the debt will simply inflate itself away”.

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Tags: Loans · Personal Finance

Difficult talks about a pleasurable finance topic (Part 3)

November 21st, 2008 · No Comments

In a previous post, I mentioned how we had recently received a relatively large, lump sum, cash amount from a life insurance payout and how this caused “analysis paralysis” as we debated what to do with the money to maximize how it worked for us. In the end, we realized there were two time periods we had to deal with. In this post, I’ll talk more about the decisions we made for the second of those periods, the long term plan.

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Market Outlook
Read more on Hong KONG&CHINA Gas at Wikinvest

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Tags: Loans · Personal Finance

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