Bakit ka HAPPY today?

**ninjababez** · July 23rd, 2015 01:36 AM

Originally Posted by cast_no_shadow

Happy!

Ganda beading ng collinite!

Sent from my iPhone using Tapatalk

hahaha natawa ako kasi about 10 meters away from my car, bumalik ako to checkout the beading ^_^

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Originally Posted by cast_no_shadow

Happy!

Ganda beading ng collinite!

Sent from my iPhone using Tapatalk

hahaha natawa ako kasi about 10 meters away from my car, bumalik ako to checkout the beading ^_^

**EQAddict** · July 23rd, 2015 11:36 AM

Super magaan yung feeling after settling what i had to settle. Its like im a different person and the day seems totally different and brighter. I have a spring in my step and i feel bolder and ready to take new adventures again.

**CVT** · July 23rd, 2015 11:56 AM

^^^ Happy for you bro.... How many years did you pay for it, bro?

I paid kasi for a property in 3 years,- and it is a weight on our cash flow.... Like more than halved our savings....

Bro cns and ninjababez,- not interested in the beading today

.... I am hoping it to be Sun Sun Sun!!!

"The measure of a man is what he does with power" LJIOHF!

27.0K _/_/_/_/_/:dog:_/_/_/_/_/

**EQAddict** · July 23rd, 2015 12:54 PM

Originally Posted by CVT

^^^ Happy for you bro.... How many years did you pay for it, bro?

I paid kasi for a property in 3 years,- and it is a weight on our cash flow.... Like more than halved our savings....

Bro cns and ninjababez,- not interested in the beading today

.... I am hoping it to be Sun Sun Sun!!!

"The measure of a man is what he does with power" LJIOHF!

27.0K _/_/_/_/_/:dog:_/_/_/_/_/

Thanks bro CVT. am gonna hoist a toast tonight! Or two. Or three.

One property was 2.5 yrs before this balloon payment. The other was 20 months before this balloon payment. What a relief to finally settle both completely. I had picture taking pa with the cashiers and my brokers in their respective offices. Its like this impending creeping doom was hanging over my head for quite some time haha. Cant help but think of it from time to time. Glad things worked out and whew i literally was shaking after it was all done. Cant believe i made it out alive hehe.

But don't think that your savings are halved. Just think that your savings are now going into a different asset class

which appreciates while you sleep. Thats what kept me going.

**ninjababez** · July 23rd, 2015 01:16 PM

Originally Posted by EQAddict

Thanks bro CVT. am gonna hoist a toast tonight! Or two. Or three.

One property was 2.5 yrs before this balloon payment. The other was 20 months before this balloon payment. What a relief to finally settle both completely. I had picture taking pa with the cashiers and my brokers in their respective offices. Its like this impending creeping doom was hanging over my head for quite some time haha. Cant help but think of it from time to time. Glad things worked out and whew i literally was shaking after it was all done. Cant believe i made it out alive hehe.

But don't think that your savings are halved. Just think that your savings are now going into a different asset class

which appreciates while you sleep. Thats what kept me going.

Bro congrats! Pwede ko ba gamitin yan statement mo pag nagtayo ako ng MLM company hahaha

**EQAddict** · July 23rd, 2015 03:44 PM

Originally Posted by ninjababez

Bro congrats! Pwede ko ba gamitin yan statement mo pag nagtayo ako ng MLM company hahaha

Hahaha. Recruit mo naman ako!

**dreamur** · July 23rd, 2015 05:41 PM

Originally Posted by EQAddict

Thanks bro CVT. am gonna hoist a toast tonight! Or two. Or three.

One property was 2.5 yrs before this balloon payment. The other was 20 months before this balloon payment. What a relief to finally settle both completely. I had picture taking pa with the cashiers and my brokers in their respective offices. Its like this impending creeping doom was hanging over my head for quite some time haha. Cant help but think of it from time to time. Glad things worked out and whew i literally was shaking after it was all done. Cant believe i made it out alive hehe.

But don't think that your savings are halved. Just think that your savings are now going into a different asset class

which appreciates while you sleep. Thats what kept me going.

Bro, ss there an incentive for paying the balloon payment in advance? Does the developer require you to pay in full before the turnover date?

**EQAddict** · July 23rd, 2015 08:34 PM

No incentive for paying in advance as a couple of months / years have passed. With these developers you must pay in full way before turnover. I just felt it was more prudent to pay these off when I could.

I was tempted to go into the stock market to eke out a few more bucks. That's when I realized I was playing with my principal capital all for the sake of a few % point gains. That's when I said.....screw this.....too much at risk......pay the condos off .

Glad I did. Went on to the next one (rockwell proscenium kirov). Will see how the next few years go. But the burden is much lighter.

**ninjababez** · July 23rd, 2015 11:38 PM

Originally Posted by EQAddict

No incentive for paying in advance as a couple of months / years have passed. With these developers you must pay in full way before turnover. I just felt it was more prudent to pay these off when I could.

I was tempted to go into the stock market to eke out a few more bucks. That's when I realized I was playing with my principal capital all for the sake of a few % point gains. That's when I said.....screw this.....too much at risk......pay the condos off .

Glad I did. Went on to the next one (rockwell proscenium kirov). Will see how the next few years go. But the burden is much lighter.

Mababawasan ba interest bro pag napaaga ang tapos?

**EQAddict** · July 24th, 2015 12:02 AM

Originally Posted by ninjababez

Mababawasan ba interest bro pag napaaga ang tapos?

These were zero interest plans. Both were 10% down, 10% over 24 (or thereabouts) months and 80% balloon. Since it was Zero interest already so there wasnt any savings on that.

Rockwell has a 10% down, 40% over 40 months and 50% balloon. Also interest free.

Am not sure what other developers have but it may be similar or even more aggressive.

Some people take out bank loans for the balloon payments and these will entail interest expenses.