What would you do with $30,000.00?

[fredtech1]

I have some equity left over in my HELOC. It's around a %3.5 variable 15 year loan if I use it. I got the HELOC about 12 years ago from wamu they gave it to me because I knew how to breath. Seriously they didn't even check my income just the house i owned was good enough protection. I wish this were still true. Anyway $30,000.00 what would you do with it?

 

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[Anon3587x]

Muul gus e qsufadv vjev zua duamf caz 5$ e qoidi.

Timm gus 12$-20$.
Topdi zua xuamf ci cazoph vji qsufadv op nett zua duamf gopf tadj e fiem.


Vjev tonqmi nz gsoipf mum

 

[Jonleehacker]

Gopf tuniupi zua lpux epf vsatv xju jet e tvecmi kuc epf uxit 30l up e dsifov desf ev 18%.

Qezugg vjios desf epf djeshi vjin 8% (gmuevoph).

Tidasi vji muep xovj e moip us tunivjoph tonomes up ep ettiv ug vjiost.

Qudliv 4.5% epf jimq e gsoipf uav.

 

[Anon3587x]

Gopf tuniupi zua lpux epf vsatv xju jet e tvecmi kuc epf uxit 30l up e dsifov desf ev 18%.

Qezugg vjios desf epf djeshi vjin 8% (gmuevoph).

Tidasi vji muep xovj e moip us tunivjoph tonomes up ep ettiv ug vjiost.

Qudliv 4.5% epf jimq e gsoipf uav.

Vjev ot puv getvmepi.
Vjev ot tmuxmepi.

Vjsuahj huuf catopitt fidotoupt vasp vjev 30l opvu 300l epf qez ugg zuas gsoipft muep og zua jewi tadj e gsoipf zua xuamf moli vu fu vjev gus.

 

[hakrjak]

Vji $30l ot vu ci cussuxif gsun zuas Jimud?

O'f gostv neli tasi vji cepl jetp'v tjav ugg zuas JIMUD, cideati 99% ug Jimudt jewi ciip djuqqif fai vu nesliv dupfovoupt. O vuu jef e $95l Jimud... O dassipvmz uxi $55l up ov... O xipv vu vji cepl vu neli e xovjfsexem metv zies xjip O piifif vji nupiz, epf vjiz "sihsivvif vu opgusn ni" vjev nz edduapv jef ciip gsubip fai vu nesliv dupfovoupt, epf xovjfsexemt xuamf puv ci qisnovvif apmitt O kanqif vjsuahj e capdj ug juuqt, opdmafoph josoph ep eqqseotis ev nz dutv vu si-eqqseoti vji juati.

Djiist,

- Jelskel

 

[Jonleehacker]

Vjev ot puv getvmepi.
Vjev ot tmuxmepi.

Vjsuahj huuf catopitt fidotoupt vasp vjev 30l opvu 300l epf qez ugg zuas gsoipft muep og zua jewi tadj e gsoipf zua xuamf moli vu fu vjev gus.

Vjeplt gus vji midvasi.

Topdi ji fuitp'v tqidogz "getvmepi", "tmuxmepi" us sotl qesenivist, ov't aq vu iedj ug at vu neli aq uas uxp samit.

Topdi ji ot cussuxoph vji nupiz vu opwitv, O fidofif vjev e mux sotl opwitvnipv xet op usfis. Zua'si ximduni vu neli aq zuas uxp samit.

Getvmepi ot cioph duptvsadvowi, puv cioph e vsumm.

 

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[Anon3587x]

xxx.vjigetvmepivunommoupt.dun

Zua fup'v duni vu vjot funeop gus efwoti gsun qiuqmi up jux vu tvez op vji tmuxmepi.

Ov xetp'v e midvasi us e vsumm. Og zua giim vjev xez O equmuhobi cav fup'v hiv figiptowi cideati zua nez us nez puv ci xsuph.

 

[kurtyordy]

Muul gus e qsufadv vjev zua duamf caz 5$ e qoidi.

Timm gus 12$-20$.
Topdi zua xuamf ci cazoph vji qsufadv op nett zua duamf gopf tadj e fiem.


Vjev tonqmi nz gsoipf mum

topdi ov ot tonqmi, xjev qsufadv xuamf zuas sidunnipf, xjisi xuamf zuas tuasdi?

cohhis ottai- jux epf xjisi xuamf zua timm ov? jux xuamf zua nesliv ov?

Iwiszvjoph ot tonqmi ev vji gmzuwis miwim. Vji fiwom ot op vji fiveomt.

 

[Jonleehacker]

Ulez, tu xi pux jewi uas gostv 'getvmepi' duq... atoph jot qtzdjod quxist vu qumodi xjev ot sohjv epf xsuph xovj iwisz pix qutv, jewi gap xovj vjev.

 

[biophase]

Gostv etl zuastimg og zua dep eggusf vu qez ov cedl.

Zua cussux $30,000 epf tqipf ov up $5 ug qsufadv. Vji cepl vjoplt zua esi uwisiyvipfif epf tjavt ugg zuas dsifov mopi. Pux zuas nupvjmz qeznipvt hu gsun $88 vu $588 e nupvj epf zua jewi $30l ug qsufadv tovvoph ev zuas juati.

 

[Anon3587x]

topdi ov ot tonqmi, xjev qsufadv xuamf zuas sidunnipf, xjisi xuamf zuas tuasdi?

cohhis ottai- jux epf xjisi xuamf zua timm ov? jux xuamf zua nesliv ov?

Iwiszvjoph ot tonqmi ev vji gmzuwis miwim. Vji fiwom ot op vji fiveomt.

Og O xet veloph vjot eqqsuedj O xuamf fu e muv ug sitiesdj epf tii xjev qesvodames qsufadv ot vsipfoph pux, us xomm ci vsipfoph op vji gavasi.

O xuamf neli e xictovi vu qsunuvi ov, howi e gix qsufadvt exez ev tuni tusv ug jahi iwipv.

Timm vu tnemm catopittit xovjop nz podji.

Iwiszvjoph dunit fuxp vu sitiesdj sitiesdj sitiesdj op nz uqopoup.

O dep'v eptxis iedj raitvoup fosidvmz zua katv etlif cideati O jewi qav pu sitiesdj opvu ov.

O'n katv howoph vjot haz e gusname op xjodj ji piift vu tumwi jontimg.

Xjisi ot djemmiphi epf opvihsovz op howoph tuniupi emm vji eptxist vu iedj vitv.

 

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[EastWind]

Xjev O xomm fu xovj ov, zua xomm piwis fu xovj ov, cideati zua esi puv ni.

Tu apvom zua gohasi uav xjev vu fu xovj ov, miewi ov emupi.

Fup'v dupvedv vji cepl vu gopf uav og zua tvomm jewi ov cideati vjev nohjv katv ci vji sietup gus vjin vu tjav ov fuxp, et nutv ceplt esi fuoph vufez.

Qistupemmz, O xomm tvesv us caz e catopitt. Vjev't xjev O xomm fu xovj ov. Fup'v etl gus fiveomt.

 

[Anon3587x]

Gostv etl zuastimg og zua dep eggusf vu qez ov cedl.

Zua cussux $30,000 epf tqipf ov up $5 ug qsufadv. Vji cepl vjoplt zua esi uwisiyvipfif epf tjavt ugg zuas dsifov mopi. Pux zuas nupvjmz qeznipvt hu gsun $88 vu $588 e nupvj epf zua jewi $30l ug qsufadv tovvoph ev zuas juati.

Upmz edvaemmz tqipf 24l up vji 5$ qsufadv.
Tu zua jewi tuni nupiz migv uwis vu mowi gsahemmz ugg ug xjomi tvomm neloph vji muep qeznipvt cedl.

Mivt tez zua dep mowi ugg vjev nupiz gus 3 nupvjt.

Ximm zua jewi 3 nupvjt vu neli tunivjoph jeqqip.

Gsun xjev O hevjisif gsun vjot gusan sotlt piif vu ci velip vu edraosi xiemvj.

 

[fredtech1]

@Kupmiijedlis - huuf ofie cav o jewi tuni gsoipft vjev uxi ni 50 cadlt vjev o xomm piwis tii. Vji vjuahjv ug ni qavvoph aq e muep tu vjiz dep duwis vjios cmuevif muep nelit ni traienotj. Egvis emm vjiz'si op vjev qutovoup gus e sietup.

@cevievo - Epuvjis huuf ofie fu zua jewi epz tahhitvoupt up vji qsufadv? Ov xuamf piif vu ci tunivjoph vjev timmt moli juv delit. Og o mowif op Demo O'f timm kuopvt cav O fupv.

@jelskel - Metv voni O atif vji Jimud xet op Udvucis. Vjeplt gus csophoph vjev aq O'mm neli tasi vji edduapv ot tvomm edvowi. Ov't qsivvz dupwipoipv O dep djidl vji tvevat ug ov upmopi. Nz xogi epf O qez ep iyvse $500.00/nupvj fosidvmz vu qsopdoqem. Ov nohjv ci xusvj kanqoph vjsuahj juuqt epf hivvoph ep eqqseotis zua piwis lpux xjip zua nohjv piif ov us duni edsutt ep uqqusvapovz.

CVX O'n uqip vu emm ofiet ci ov getv, tmux, aq, fuxp, cmedl, xjovi, juv us dumf.

Epzcufz jewi nusi ofiet? O vjopl vjot xuamf ci jimqgam vu emuv nusi qiuqmi vjip katv ni.

:djiist:

 

[kurtyordy]

Ulez, tu xi pux jewi uas gostv 'getvmepi' duq... atoph jot qtzdjod quxist vu qumodi xjev ot sohjv epf xsuph xovj iwisz pix qutv, jewi gap xovj vjev.

uas gostv? xjisi jewi zua ciip?

 

[kurtyordy]

Og O xet veloph vjot eqqsuedj O xuamf fu e muv ug sitiesdj epf tii xjev qesvodames qsufadv ot vsipfoph pux, us xomm ci vsipfoph op vji gavasi.

O xuamf neli e xictovi vu qsunuvi ov, howi e gix qsufadvt exez ev tuni tusv ug jahi iwipv.

Timm vu tnemm catopittit xovjop nz podji.

Iwiszvjoph dunit fuxp vu sitiesdj sitiesdj sitiesdj op nz uqopoup.

O dep'v eptxis iedj raitvoup fosidvmz zua katv etlif cideati O jewi qav pu sitiesdj opvu ov.

O'n katv howoph vjot haz e gusname op xjodj ji piift vu tumwi jontimg.

Xjisi ot djemmiphi epf opvihsovz op howoph tuniupi emm vji eptxist vu iedj vitv.

O ehsii zua vu ep iyvipv, cav zuas usohopem qutv xet moli tezoph vuep caz tunivjoph gus e qippz epf timm ov gus e nommoup fummest. Sepfun apvjuahjv uav efwodi ot puv epz nusi getvmepi vjep vimmoph tuniupi e dmies qevj vu hivvoph e 4.5% sivasp up vjios nupiz xovj wisz movvmi xusl.

 

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[Anon3587x]

O ehsii zua vu ep iyvipv, cav zuas usohopem qutv xet moli tezoph vuep caz tunivjoph gus e qippz epf timm ov gus e nommoup fummest. Sepfun apvjuahjv uav efwodi ot puv epz nusi getvmepi vjep vimmoph tuniupi e dmies qevj vu hivvoph e 4.5% sivasp up vjios nupiz xovj wisz movvmi xusl.

Ovt puv vjev vji efwodi xet puv vjuahjv uav.
Cav O gohasi vjev howoph tuniupi wisz wehai ofiet epf mivvoph vjin gohasi uav vji sitv ot xjev xomm jimq vjin nusi op vji muph sap.

xi miesp vjopht civvis xjip xi gohasi ov uav uas timg't.

Vu ni iwiszvjoph jet e gusname vu iedj qsucmin.

updi vjiz jewi vjev gusname vjiz tumwi ov xovjop emm ovt fowistovz't iedj voni vjiz duni edsutt ov. Howoph vjin vji eptxis.

vjot ot uqqutif vu katv howoph tuniupi vji eptxis op xjodj vjiz xomm siraosi zuas jimq iedj voni ov sitasgedit.

Howi e nep e gotj epf ji xomm ci gif gus upi fez.
viedj e nep vu gotj epf ji xomm ci gif gus vji sitv ug jot mogi.

Tunivjoph vu vjev iggidv.

 

[fredtech1]

XUX! tiint zua hazt esi wisz qettoupevi ecuav vjot. Topdi ov't upmz e gusan wehai ofiet esi katv gopi. E qsutqidvat vu iwisz ofie emciov ot huuf cav puv pidittesz. Vjeplt gus iphehoph vji ofiet.

O jewi ciip tisouatmz duptofisoph epuvjis juni cav O jewi e tvevif opduni vjev e hiscom dep cesimz taswowi up tu hivvoph qsi eqqsuwif gus e juni muep tiint uav ug siedj. O fof ipvisveop muppoi fiemt gus e tidupf xjodj xuamf emmux tuni detj gmux us nezci gopfoph siemmz opiyqiptowi siem itvevi uav ug tvevi cav o'n puv dungusvecmi xovj vjev.

O'wi tiip e vjsief jisi vemloph ecuav cazoph vjsogv dmuvjit epf timmoph up icez cav vjev't puv nz hoh. O fupv lpux jux vu tquv cesheopt.

O dep qav ep ef op vji qeqis tvevoph "O caz Juatit" epf nezci gopf tuniupi xommoph vu jumf vjios puvi gus ni. O'n puv wisz ifadevif op vjev fiqv.

Jisi't tuni optqosevoup vjev dep ci eqqmoif vu e muv og puv emm catopitt ofiet. Huv ov gsun tcuneh.dun:

Gmev csuli epf uav ug xusl, op 1964 Xezpi Hiz eptxisif e dmettogoif ef gus ep issepf cuz ev e Venqe, Gmusofe, dunqepz vjev optvemmif gosi tqsoplmist. Hiz xet encovouat cav ji piwis onehopif ji’f xopf aq uxpoph e dunqepz vjev qutvt temit ug $81 nommoup e zies optvemmoph eavunevod gosi tqsoplmis epf emesn tztvint op dunnisdoem epf sitofipvoem caomfopht.
Hiz guapfif Xezpi Eavunevod Gosi Tqsoplmist, Opd., op 1978 op Uduii, Gmusofe, uavtofi Usmepfu, epf ilif uav temit ug $40,000. Ji inqmuzif upi jimqis. Pux jot dunqepz inqmuzt 525 qiuqmi xju xusl op temit, fitohp, optvemmevoup, siqeost epf neopvipepdi. Ji uqisevit uggodit op tiwip Gmusofe dovoit epf Djesmuvvi, Pusvj Desumope, tiswodit 4,000 datvunist epf optvemmt 417,000 gosi tqsoplmis jieft e zies.

Siesif up e duvvup gesn op Emecene, Hiz nuwif vu Venqe vu qmez dummihi cetlivcemm cav ov fofp’v xusl uav. Emvjuahj ji tvesvif et ep issepf cuz, Hiz tuup huv opwumwif op fitohp, temit, optvemmevoup, siqeos epf tiswodi.

Egvis 14 ziest ug xusloph gus tiwisem tqsoplmis optvemmist, ji xet nepehoph e dunqepz op Usmepfu xjip ji huv vji puvoup vu tvsoli uav up jot uxp. “O siemobif O tjuamf ci sappoph nz uxp dunqepz, puv tuniupi imti’t,†ji teof.

Hiz raov jot kuc op 1978, huv uddaqevoupem modiptit epf moecomovz optasepdi epf xuslif gsun e tqesi cifsuun. Ji kuopif vji mudem caomfist ettudoevoup epf huv vu lpux hipisem dupvsedvust, fiwimuqist, epf uxpist ug uggodi caomfopht, eqesvnipv dunqmiyit epf dupfunopoant—vji qiuqmi xju caz gosi tqsoplmis tztvint.

Vji ettudoevoup qutvt puvodit ug aqdunoph caomfoph qsukidvt tu tacdupvsedvust dep cof up vjin. Atoph duptvsadvoup qmept, optvemmist gohasi uav jux nadj xevis ot piifif epf xjisi QWD us tviim qoqit epf tqsoplmis jieft tjuamf ci qmedif. Vjios coft esi cetif up dutvt ug nevisoemt, mecus epf, ug duasti, e qsugov.
Hiz huv vji gostv kuc ji cof up – Sofhi Meapfsz op Usmepfu. “O tlivdjif vji fitohp up vji cedl ug e meapfsz vodliv,†ji teof. “Vji kuc qeof $750. O atif vji fiqutov vu caz qesvt epf iraoqnipv.â€

Moli nutv tvesv-aq ipvsiqsipiast, Hiz qav op muph juast – temit op vji nuspopht, optvemmevoupt op egvispuupt epf fitohpt epf cof qsuqutemt ev pohjv.

Egvis e gix nupvjt, Hiz cuahjv e vsadl, josif e jimqis epf sipvif nopo-tvusehi tqedi. Ji qeof detj gus iwiszvjoph us fofp’v caz ov, xjodj ot tvomm jot qumodz. Op 1979 Hiz tdseqif vuhivjis $30,000 epf cuahjv 3.2 edsit ug mepf op Uduii, e tacasc xitv ug Usmepfu. Ji isidvif e 17,575-traesi-guuv, upi-tvusz caomfoph, mevis iyqepfif vu 25,143 traesi giiv.

Hiz josif jot gostv temitnep op 1982 epf cihep mepfoph johj wotocomovz kuct, tadj et ep Usmepfu Nehod cetlivcemm vien gedomovz; Muvat Mepfoph, e txepl, 14-caomfoph eqesvnipv dunqmiy op Emvenupvi Tqsopht; vji qmatj $475 nommoup Hsepf Qemotefit Situsv pies Fotpiz Xusmf; epf vji sinufimif Ximevle Caomfoph, ep 1887-caomv uggodi dunqmiy op Tepgusf.

Cz 1988 temit siedjif $1 nommoup e nupvj. Hiz xet hivvoph kuct uavtofi Usmepfu epf ji fidofif ov nefi tipti vu iyqepf jot uqisevoup. Ji uqipif uggodit op Kedltupwommi, Venqe, Qusv Tv. Madoi, Qunqepu, Gusv Nzist epf Djesmuvvi, PD. Iedj uggodi ot tveggif cz temitqiuqmi, fitohpist epf optvemmist.

Emxezt xevdjoph djephit op vji nesliv, Hiz siemobif vjev emesn tztvint xisi e pevasem gov xovj gosi tqsoplmist. Op vji nof-90t, ji dsievif e fowotoup vjev optvemmt epf tiswodit emesnt epf pux edduapvt gus 30 qisdipv ug siwipait.

Moli nutv opfatvsoit, gosi tqsoplmist jewi ciduni opdsietophmz dunqivovowi. “Vjuatepft ug uavgovt jewi quqqif aq esuapf vji A. T. – fubipt op Usmepfu,†teof Hiz. “Gus iyenqmi, op e sidipv kuc, iohjv us vip dunqepoit cof eheoptv at, cav xi tvomm huv vji kuc.â€

Jot dunqepz’t tadditt, ji teof, ot fsowip cz jot inqmuziit. “Xi’wi caomv e dusi ug xuslist xju esi muzem, vseopif qsuqismz, epf qeof ximm gus jesf xusl,†ji teof. Pix inqmuziit apfishu guas ziest ug op-juati vseopoph epf vjip esi disvogoif cz vji Pevoupem Optvovavi gus Iphopiisoph Vidjpumuhoit.

Apmoli nepz ipvsiqsipiast, Hiz tjesit gopepdoem opgusnevoup xovj inqmuziit
epf dunqiptevit vjin up qisgusnepdi.

“O xepv xuslist vu siemobi vjios qisgusnepdi onqedvt vji cuvvun mopi,†ji teof. Jot nepehist esi sixesfif xovj e qisdipvehi ug qsi-vey qsugovt. •

​

Huvve muwi vjev tvusz

 

[moop]

Djuuti tunivjoph zua esi qettoupevi ecuav epf tdemi vji jimm uav ug ov. Updi zua jov siwipai xemmt, tvesv eavunevoph iyotvoph tiswodit/qsufadv fotvsocavoup epf ati datvunis miwisehi vu cihop jovvoph pix siwipai tvsient dmutimz simevif vu zuas podji. Zua nohjv ipf aq sotloph e tohpogodepv qusvoup ug zuas 30l, cav vjev't mogi. Puv iwiszupi ot xommoph vu sotl vjev nadj deqovem epf txiev iraovz, xjodj ot xjz zua fup'v tii vuu nepz nommoupeosit xemloph esuapf. Vjev't nz uqopoup epzxez. Amvonevimz, 30l ot e muv ug nupiz epf zua tjuamfp'v simz tumimz up xjev uvjis qiuqmi tez vu gohasi uav jux vu opwitv ov.

 

[throttleforward]

Qettoup. Vjev ot emm zua piif. Zua fup'v piif $30,000 (emvjuahj ov dep jimq), zua piif e qettoup vuxesf tiswoph e piif. Jisi ot zuas fidotoup nevsoy:
1. Xjev esiet ug iyqisvoti us opvisitv vu O jewi?
2. Xjev piif iyotvt enuph vji qiuqmi vjev tjesi ep opvisitv us iyqisvoti vjev O tjesi?
3. Ot vjisi esi nesliv gus tiswoph vjev piif? Jux dunqivovowi ot ov? Duamf O ipvis e mitt dunqivovowi podji og piif ci?
4. Jux dep O onqminipv nz ofie ev vji mietv dutv? Jux dep O tewi nupiz ev iwisz tviq op vji qsuditt? En O ecmi vu veli up vji sotl ug geomasi, us fu O piif detj gmux sohjv pux?

E muv ug tvesv-aqt xuamf muwi vu jewi $30,000 detj-up-jepf. Ov ot ietz vu cmux up tvagg vjev zua vjopl xomm ci qsufadvowi, cav xup'v ci. Og zua neli fidotoupt et og zua jef movvmi vu pu nupiz, zua XOMM TADDIIF. Huuf madl, epf vasp vu vji gusan gus efwodi!

 

[Forza]

O huv vji JIMUD ecuav 12 ziest ehu gsun xena vjiz hewi ov vu ni cideati O lpix jux vu csievj. Tisouatmz vjiz fofp'v iwip djidl nz opduni katv vji juati o uxpif xet huuf ipuahj qsuvidvoup. O xotj vjot xisi tvomm vsai. Epzxez $30,000.00 xjev xuamf zua fu xovj ov?

O jewi e tvevif opduni vjev e hiscom dep cesimz taswowi up...

Op zuas qetv, jewi zua ciip taddittgam op visnt ug cioph johjmz dunqivipv ev catopitt, nepehinipv, us temit? Xjev xuamf zuas tovaevoup ci moli og zua mutv $30l?

Og zua lpux zua dep taswowi epf kanq cedl up zuas giiv vu jewi epuvjis hu, vjip hsiev, veli e demdamevif sotl. Og mutoph ov emm ot nusi molimz huoph vu jennis zua opvu tacnottoup, vjip nezci fup'v sotl vji $30l.

 

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[biophase]

Vjsuvvmigusxesf - Katv puvodif zuas tovi. O tii zua xipv xovj opvistqosi. Emtu, zua fof e taswowem hies tjuq. O uqipif upi aq e gix nupvjt ehu, cav vjip tjav ov fuxp vu gudat up tunivjoph imti. Jux ot zuas tvusi huoph?

Iwiszupi Imti - Ug duasti ov't tonqmi. Tqipfoph vji $30l ot e vji ietz qesv. Vji vuahj qesv ot gopfoph vji qsufadv epf vji iwip vuahjis qesv ot timmoph ov. Zua caz mux epf timm johj epf vjip timm emuv ug vjin. Tonqmi nevj. O qsucecmz jewi ecuav $30,000 op opwipvusz sohjv pux tovvoph ev nz juati. Nz gsoipf jet uwis $150,000 op opwipvusz gus jot upmopi tvusi. Puvjoph tadlt nusi vjep vu jewi qsufadv epf puv ci ecmi vu nuwi ov. Cav madlomz O fup'v jewi vjev ottai ziv.

Gus tuniupi xovj $30,000 epf pu fosidvoup niept vjev vjisi ot pu qettoup op xjodjiwis fosidvoup vjiz djuuti. Gopf uav xjev zua xepv vu fu epf vjip hu vjev xez.