Liberal Forum

ROG62 » 10 Jul 2024, 7:41 pm » wrote: ↑

10 Jul 2024, 7:41 pm

No, actually, in terms of money usage, I gamed them, hands down...

if I pull my credit report, there are 15-20 unused credit cards listed...every one of them borrowed me money as a balance transfer... I had literally thousands in loans and never paid a dime in interest...

when interest rates were favorable (high) I would finance thru my 401k and pay myself the interest...1 point over prime..

while I did borrow for my house, I did refinance 4 times in 2 years without paying any points or upfront fees from 11 to 7% allowing me to accelerate my loan from 30 to 10 years with paying myself the interest the last 2 years via 401k...saving myself well north of 100k in bank interest...

if the interest rates are low and my investments make more, I'll use their monies and if interest rates are high, I'll use mine...
 
Everything here is definitely rocket science...

You did well and made the best available choices. But you were still on a wheel within a wheel.

The larger wheel was gaming you - but within that game, you made all the best moves. 

The best a man can ever do is break even, is what I have always said.

No, wait - that was Hemingway. He said that.

But he only said it thematically, and my chin is jutted and chest puffed in anticipation of anyone trying to confute me on that. Explication is my **** GAME. Ask me about Miniver Cheevy or Richard Cory, I dare ya. I'll explicate the **** out of that ****. I will critique Shakespeare's Earl of Westmoreland from a Castiglionian perspective up in this mother ****. 

Anyway, you're quite right, within the context of being quite wrong, breaking you even.

Hemingway would nod in grave approval. Then lift an eyebrow archly.