Ultimate Bass ULTIMATE BASS | BASS FISHING CLASSIFIED ADS | CONTACT US    

Bass Fishing information about bass boats, tackle, fishing rods, baitcasters and other reels all about bass fishing.
Please login or register.

Login with username, password and session length
Advanced search  

News:

Thank you! Sorry about the wait...

Page Down
FREE TACKLE EVERY WEEK

Bass Anglers Magazine - The Best bass fishing magazine on the rack! Subscribe Today and Catch More Bass

NuTech Lures

Doc Irv Custom Baits

Life Vantage

Get Bit Outdoors

X Zone Lures

Bass Anglers Magazine - The Best bass fishing magazine on the rack! Subscribe Today and Catch More Bass



Bass Boats For Sale Free Classified Ads

Laurie Cork
Ph. (318)347-7380
You can Email Me Here

Mike Cork
Ph. (318)560-9827

Pages: [1] 2   Go Down

Author Topic: that scream you heard...  (Read 1018 times)

coldfront

  • Ultimate Basser
  • *****
  • Location: Chattanooga, TN
  • Offline Offline
  • Gender: Male
  • Posts: 10,055
that scream you heard...
« on: December 18, 2017, 12:26:51 PM »

was my debt free moment.  paid off last outstanding debt this morning at 10:39 AM.

Mortgage balance is now zero.  I am a home OWNER...



and boy did I struggle with this.  smart money says you can make more by investing.
I'm thinking with market at all time highs, the odds suggested I'd get better return near term converting to home equity.

at any rate.  it's done now.  right or wrong.

now I can save un-impeded for a new boat...   ~roflmao
Logged

analfisherman

  • Charter Member
  • *****
  • Location: Janesville, Wisconsin
  • Offline Offline
  • Gender: Male
  • Posts: 4,017
  • HOOKS, LIES AND ALIBIES
Re: that scream you heard...
« Reply #1 on: December 18, 2017, 12:29:56 PM »

coldfront,

 ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~ ~c~
Logged
"Fishing isn't life or death... it's more important than that."

coldfront

  • Ultimate Basser
  • *****
  • Location: Chattanooga, TN
  • Offline Offline
  • Gender: Male
  • Posts: 10,055
Re: that scream you heard...
« Reply #2 on: December 18, 2017, 12:40:30 PM »

parlayed spoils of war (small investment account) from divorce in 2013 via LUCKY investments in risky ventures to grow to 400% of original (after taxes).

now, time to start all over again.  retirement is coming.
Logged

SFL BassHunter

  • Charter Member
  • *****
  • Location: South, FL
  • Online Online
  • Gender: Male
  • Posts: 12,215
  • SFL BassHunter
Re: that scream you heard...
« Reply #3 on: December 18, 2017, 12:41:24 PM »

 ~c~ ~c~  Congrats Coldfront.


My guess was going to be a Spider. But that's me. lol  ~roflmao
Logged
PB: 6lbs 5oz / 24.25 inches.
Rods/Reels Dobyns, 13 Fishing, Cabelas Arachnid, Daiwa Tatula CT, Tatula SVTW, Tatula Tactical, Tatula Type R
Florida Bass Fishing

Mike Cork

  • Father Time
  • Admin
  • *****
  • Location: NW Louisiana
  • Offline Offline
  • Gender: Male
  • Posts: 66,260
  • Get the Net it's a Hawg
    • Ultimate Bass
Re: that scream you heard...
« Reply #4 on: December 18, 2017, 12:42:54 PM »

Congratulations :toot:

I figure I'm always going to have a house note :'(
Logged
Fishing is more than just a hobby

Dobyns Rods - Monster Fishing Tackle
Cork's Reel Service

Polaris425

  • Ultimate Basser
  • *****
  • Location: Alabama
  • Offline Offline
  • Gender: Male
  • Posts: 5,201
  • Fishin' Alabama
Re: that scream you heard...
« Reply #5 on: December 18, 2017, 12:43:19 PM »

That's a BIG step!! Congrats!!! Our's will be paid off in 15.
Logged
Fishin' Alabama
Building Rods, & Snatchin' Lips.

Lipripper

  • LM Forum Staff
  • *****
  • Location: Illinois
  • Offline Offline
  • Gender: Male
  • Posts: 90,526
  • Chicago Illinois
Re: that scream you heard...
« Reply #6 on: December 18, 2017, 12:44:51 PM »

Congrats Coldfront  ~c~ ~c~ I still have about three years before mine in paid off. It would of been already but several years ago we took out a second mortgage and refinanced to help out our kids that needed help. That's what happens when you have kids.  ;D
Logged

Kats Rule And Bass Drool.Viet Nam Vet

bigjim5589

  • Forum Staff
  • ***
  • Location: Manning, South Carolina, formerly MD
  • Offline Offline
  • Gender: Male
  • Posts: 4,300
Re: that scream you heard...
« Reply #7 on: December 18, 2017, 01:03:56 PM »

Congratulations!  ~c~ ~c~ ~c~
Logged
Fanatical Fly Tyer & Tackle Maker! It's Not Just A Hobby, It's An OBSESSION!!

Princeton_Man

  • Moderator
  • ***
  • Location: Princeton, WV
  • Offline Offline
  • Gender: Male
  • Posts: 10,552
  • My Mission is goin' fishin'
    • J.Langridge
Re: that scream you heard...
« Reply #8 on: December 18, 2017, 01:20:31 PM »

Awesome! ~c~

Logged
Stratos 285 XL Pro 150 Evinrude ETEC

Proud Member LSCR Club

SteveTX

  • Charter Member
  • *****
  • Location: N.E. Texas
  • Offline Offline
  • Gender: Male
  • Posts: 3,164
  • IBASS 2017 4th place 374.50"
Re: that scream you heard...
« Reply #9 on: December 18, 2017, 01:32:18 PM »

Congratulations being debt free is a nice thing.

Congrats Coldfront  ~c~ ~c~ I still have about three years before mine in paid off. It would of been already but several years ago we took out a second mortgage and refinanced to help out our kids that needed help. That's what happens when you have kids.  ;D
Ha I did the same thing I hope to have it done May 2021 I believe.
Logged
UltimateBass Free Bass Fishing Tourney (IBASS) is for everyone!
Just make an account at UltimateBass.com and follow these simple rules found here

Bassinlou

  • CM Community Diplomat
  • ****
  • Location: South FL
  • Online Online
  • Gender: Male
  • Posts: 19,584
  • Mr. Frogger
Re: that scream you heard...
« Reply #10 on: December 18, 2017, 01:38:13 PM »

Congrats!!
Logged
Team 4 Community Diplomat
Forum Moderator for: Florida, Catch of the Day and Bank Fishing for Bass
Florida Bass Fishing Reports

Lipripper

  • LM Forum Staff
  • *****
  • Location: Illinois
  • Offline Offline
  • Gender: Male
  • Posts: 90,526
  • Chicago Illinois
Re: that scream you heard...
« Reply #11 on: December 18, 2017, 01:39:05 PM »

Congratulations being debt free is a nice thing.
Ha I did the same thing I hope to have it done May 2021 I believe.
Yelp it's been a struggle at time but we will do just about anything for our kids.
Logged

Kats Rule And Bass Drool.Viet Nam Vet

coldfront

  • Ultimate Basser
  • *****
  • Location: Chattanooga, TN
  • Offline Offline
  • Gender: Male
  • Posts: 10,055
Re: that scream you heard...
« Reply #12 on: December 18, 2017, 01:42:04 PM »

thanks all.

one key moment in this all:  I will continue to save that money into a savings account with a 'target' number.  once a year, $$ over that target number will go to investments.

started on this over 10 years ago with my work raises going directly to a combination of savings and debt.  along the way I also maxed out, and continue to max out, my 401K contributions.

and I enjoy mac n cheese and ramen noodles a lot.  cheerios and raisin bran.  plus fresh fruit, steamed vegetables and grilled chicken and/or fish.  Learning to live like a college kid or a flat broke retired guy.

Practice for the real thing in a few years.  classic tale of the grasshopper and the ant.
Logged

bigjim5589

  • Forum Staff
  • ***
  • Location: Manning, South Carolina, formerly MD
  • Offline Offline
  • Gender: Male
  • Posts: 4,300
Re: that scream you heard...
« Reply #13 on: December 18, 2017, 01:53:20 PM »

I know exactly what you mean. I depleted my 401 when I made my move to SC. But I now own my house & property out right as long as I pay my taxes. If we had tried to keep going back in MD, I would have likely depleted it anyway & had little to show for it. Sometimes you just have make choices!

I knew I may never have enough saved to retire on & not have to work, but as long as my health allows, I can always find ways to make enough money to keep things paid.

Yes sir, it's a struggle sometimes & we eat a lot more mac & cheese, pork & chicken now because we can't afford steak!  lo That's still better than not eating!  ;)

Our life is in the Lord's hands, and he's never let us down!  ;D
Logged
Fanatical Fly Tyer & Tackle Maker! It's Not Just A Hobby, It's An OBSESSION!!

mygreenihc

  • Charter Member
  • *****
  • Location: Toccoa, GA
  • Offline Offline
  • Gender: Male
  • Posts: 1,909
  • Roll Tide
Re: that scream you heard...
« Reply #14 on: December 18, 2017, 02:01:55 PM »

Congratulations Coldfront!  My wife and are working toward this same goal,  so I understand all to well how difficult that accomplishment was to do.  You are inspiring to us all...


Brad




Logged

Captsteve

  • Charter Member
  • *****
  • Location: Springtown, tx
  • Offline Offline
  • Gender: Male
  • Posts: 1,547
  • Captain on Watch
Re: that scream you heard...
« Reply #15 on: December 18, 2017, 02:33:02 PM »

congratulations. figure I'll have house note the rest if my life. bought a new home 3 years ago. I'm 60 now

Sent from my SM-G950U using Tapatalk

Logged
Steve
Headed for the Lake

coldfront

  • Ultimate Basser
  • *****
  • Location: Chattanooga, TN
  • Offline Offline
  • Gender: Male
  • Posts: 10,055
Re: that scream you heard...
« Reply #16 on: December 18, 2017, 02:47:14 PM »

Congratulations Coldfront!  My wife and are working toward this same goal,  so I understand all to well how difficult that accomplishment was to do.  You are inspiring to us all...


Brad

has taken me over 30 years of living in houses to get to this point.  along the way there have been multiples.  this is number 4.
Logged

Pacific NW Ron

  • Ultimate Basser
  • *****
  • Location: Western Washington State
  • Offline Offline
  • Gender: Male
  • Posts: 3,845
Re: that scream you heard...
« Reply #17 on: December 18, 2017, 03:03:30 PM »

Congrats1  :) That is a good feeling.  We paid ours off several years ago and it's a big relief for sure.  Plus last year we qualified for a property tax exemption so don't even have that payment.
Ron
Logged
Enjoying retirement in the great Pacific Northwest.  I've turned into a fair weather angler.  Why do it today when I can do it tomorrow?

coldfront

  • Ultimate Basser
  • *****
  • Location: Chattanooga, TN
  • Offline Offline
  • Gender: Male
  • Posts: 10,055
Re: that scream you heard...
« Reply #18 on: December 18, 2017, 03:36:23 PM »

Congrats1  :) That is a good feeling.  We paid ours off several years ago and it's a big relief for sure.  Plus last year we qualified for a property tax exemption so don't even have that payment.
Ron

 ~c~
Logged

Donald Garner

  • LM Forum Staff
  • *****
  • Location: Central Texas ( Belton )
  • Offline Offline
  • Gender: Male
  • Posts: 18,191
  • Ultimate Bass Life Member / LSCR Club Member
Re: that scream you heard...
« Reply #19 on: December 18, 2017, 03:41:58 PM »

CF, congrats  ~c~ ~c~  One day we will be debt (House Payment) free also.
Logged
Belton Texas part of God's Country
Stratos 285 Pro XL Yamaha 150 VMax

Lee Smith

  • CM Chief Community Diplomat
  • *****
  • Location: East Mississippi
  • Offline Offline
  • Gender: Male
  • Posts: 11,057
  • Gotta Love It!
Re: that scream you heard...
« Reply #20 on: December 18, 2017, 04:00:54 PM »

Awesome sir!  ~c~  ~c~
Logged
Builder of Custom Personal Bassin' Rods

Kris

  • Ol' Skool
  • Life Member
  • *****
  • Location: Maryland
  • Offline Offline
  • Gender: Male
  • Posts: 2,536
  • Dobyns, NuTech, Doc Irv, Monster
Re: that scream you heard...
« Reply #21 on: December 18, 2017, 04:34:12 PM »

Congratulations there Homeowner!
Logged
Reservoir fishing in MD, Vietnam Vet, Retired
Ouachita 16' Model B, Minn Kota, Lowrance, Raymarine
Moderator - Maryland Fishing Reports and Chat

Bud Kennedy

  • Life Member
  • *****
  • Location: Myrtle Beach, SC
  • Offline Offline
  • Gender: Male
  • Posts: 7,751
  • PFD's and KILL SWITCHES SAVE LIVES
Re: that scream you heard...
« Reply #22 on: December 18, 2017, 04:37:13 PM »

Debt free is a good thing especially when you are retired.  Old house, old truck, old car, old boat and everything is paid for.  Congrats to you for paying off the house note.
Logged

gatorglenn

  • Smallmouth
  • **
  • Location: Ft. Wayne IN
  • Offline Offline
  • Gender: Male
  • Posts: 139
  • Fishing-#1 Stress Reliever
that scream you heard...
« Reply #23 on: December 18, 2017, 07:19:50 PM »

Congratulations, I will be there in 3 years. Only thing i have is the house and my new truck. 56 now and wanted to be done before 60. That when I get my pension from the National Guard. Ira’s and maxing 401 it for 20 years. So I hope to do a whole lot of fishing LOL


Sent from my iPhone using Tapatalk
Logged
06 PT 175 TX
Mercury 60 hp

coldfront

  • Ultimate Basser
  • *****
  • Location: Chattanooga, TN
  • Offline Offline
  • Gender: Male
  • Posts: 10,055
Re: that scream you heard...
« Reply #24 on: December 18, 2017, 08:42:28 PM »

Debt free is a good thing especially when you are retired.  Old house, old truck, old car, old boat and everything is paid for.  Congrats to you for paying off the house note.

thanks bud.  as much as I was teasing you about going out and getting a boat to better fit your rods, I am about as FRUGAL as it gets when it comes to my pesos.

 ;D
Logged
Pages: [1] 2   Go Up
 


Monster Fishing Tactle is the best place to buy your tackle needs Check them out online

When Bass Fishing Is More than Just a Hobby - Dobyns Rods




QUICK LINKS
UB Home
Main Forum
Welcome
Dock Talk
Techniques
Rods and Reels
Tackle Box
Catch of the Day
UB Contests
Tips and Ideas
Sponsor Connection
Fishing Reports
Charter Members Only
Bass Fishing Classified Ads
Boats 4 Sale

BECOME A
CHARTER MEMBER
SUPPORT UB




Find out about the contests before everyone else and know about the latest news first
 
Page Up

Page created in 0.101 seconds with 24 queries.