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by: mm4731 Active Indicator LED Icon 13 OP 
~ 8 years ago   Nov 19, '15 8:27am  
[ Removed By Request. ] 4951
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BooBear Active Indicator LED Icon 16
~ 8 years ago   Nov 19, '15 8:28am  
Can I borrow $20?
 
Congratulations!!! 4951
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buffaloglenn Active Indicator LED Icon 11
~ 8 years ago   Nov 19, '15 8:29am  
Congrats - it's a great feeling when you have title free and clear.  It's quite liberating. 4951
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mm4731 Active Indicator LED Icon 13 OP 
~ 8 years ago   Nov 19, '15 8:30am  
[ Removed By Request. ] 4951
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dac2010 Active Indicator LED Icon 8
~ 8 years ago   Nov 19, '15 8:30am  
Just do not forget to pay your taxes or HOA.  They will show you how much it belongs to you if you forget. 4951
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BooBear Active Indicator LED Icon 16
~ 8 years ago   Nov 19, '15 8:31am  

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>> Can I borrow $20?
 
Congratulations!!!
 
@BooBear: no, but I have a way you can earn $20
 
@mm4731:
 
Sorry, I don't work... 4951
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friday1 Active Indicator LED Icon 9
~ 8 years ago   Nov 19, '15 8:33am  
My house is paid off!!Check cleared this morning Emoticon
 
@mm4731: Does that mean you're not moving?
Don't tell the ladies if your single. They will try to make you pay mortgage for them.  4951
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mm4731 Active Indicator LED Icon 13 OP 
~ 8 years ago   Nov 19, '15 8:34am  
[ Removed By Request. ] 4951
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BooBear Active Indicator LED Icon 16
~ 8 years ago   Nov 19, '15 8:36am  

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>> My house is paid off!!Check cleared this morning Emoticon
 
@mm4731: Does that mean you're not moving?
Don't tell the ladies if your single. They will try to make you pay mortgage for them. 
 
@friday1:
 
Someone did a number on you..sorry about that. 4951
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WskyTngoFxtrt Active Indicator LED Icon 10
~ 8 years ago   Nov 19, '15 9:24am  

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>>
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>> My house is paid off!!Check cleared this morning Emoticon
@mm4731: Does that mean you're not moving? Don't tell the ladies if your single. They will try to make you pay mortgage for them. 
@friday1: Someone did a number on you..sorry about that.
@BooBear: There are good women out there. I have recently found proof of that. 4951
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TheTruthHurts Active Indicator LED Icon 12
~ 8 years ago   Nov 19, '15 9:38am  

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>> My house is paid off!!Check cleared this morning Emoticon
 
@mm4731: Does that mean you're not moving?
Don't tell the ladies if your single. They will try to make you pay mortgage for them. 
 
@friday1:
 
 
Oh geeze. You mean they will run up to you and expect you to pay some giant amount of money?? You need to date some different women! 4951
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beastmode Active Indicator LED Icon 12
~ 8 years ago   Nov 19, '15 9:53am  
That's great!!!. Congrats.Working on that right now. My goal is to have this done when I'm 45. I have s spreadsheet created that shows how much interests I eliminate for my monthly extra payments. HIGHLY recommend doing it. For every extra house payment it removes almost 2 additional ones for most loans. Crazy amount of interests you can remove if one has the motivation and ability to dump it in there, unless of course you can earn more interests elsewhere then not that smart. I know Mark Zuckerberg could have paid off a home he had but he was making more off that money with Facebook so it would have been stupid. Think he is still paying on that house.      4951
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Stealth83 Active Indicator LED Icon 16
~ 8 years ago   Nov 19, '15 10:26am  
Removed By Request 4951
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BooBear Active Indicator LED Icon 16
~ 8 years ago   Nov 19, '15 10:28am  
Downside is you just lost a huge deduction.
 
@Stealth83:
 
How so? You can only deduct the interest paid...if he just paid it off, most of his money had been going to principle which isn't deductible. 4951
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bubbleyes72 Active Indicator LED Icon 18
~ 8 years ago   Nov 19, '15 10:31am  

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>> Downside is you just lost a huge deduction.
 
@Stealth83:
 
How so? You can only deduct the interest paid...if he just paid it off, most of his money had been going to principle which isn't deductible.
 
@BooBear:
 
Exactly! Who cares about a deduction when you no longer have a payment times 12 a year, times 30 or 15 years!!! 4951
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friday1 Active Indicator LED Icon 9
~ 8 years ago   Nov 19, '15 10:39am  
Downside is you just lost a huge deduction.
 
@Stealth83: My deduction on a 120k home interest wise compared to a individual deduction is like a $400 difference. You still get to write off the School and County. Whats going to really get everybody this year is the sales tax write off. They would give you a automatic annual number to write off that will be going away next filing season.
Some states it is wise to have a lender on your home. If your involved in a civil lawsuit people can get your equity or your whole house together. Texas is not one of those states you can do that. Homestead laws are stronger here.Write offs go like this I spend 1 dollar in property tax, interest and file a write off  I get .50 cents back. That percentage also changes with gross income. Of course with a paid off home there is no interest so you really save a buck or few thousand bucks.  4951
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