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/h/femaledatingstrategy House Vampire
asshole there/then :marseyshark:  2d ago (reddit.com) 588 thread views #354724 earned 204 coins from votes

Gold-digging scrote :marseyfeminist: wants to steal half his wife's lottershe winnings :marseyindignantwoman:

https://old.reddit.com/r/AITAH/comments/1jq5epo/aitah_for_telling_my_wife_we_either_share_our/ 

								

								

									
									
https://media.tenor.com/UInuLZdmZ9MAAAAx/men-cece.webp


									
								

							

							

								
									
								
							

							

								
	

							

						

						
						

							

								
							

						

					

					
						

							
							
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https://i.rdrama.net/images/17437099496G6ITZ3EwPgd8A.webp
Lmao. Rentoid detected.
!homeowners

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Idk, my mortgage is every two weeks. I don't think weekly was an option, but I didn't really pay attention tbh

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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I didn't realize there were any that weren't monthly. Like you can set up biweekly payments but the actual bill is usually per month.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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I don't remember all the details but doing it biweekly shaves a year or 2 off the mortgage, we wind up making a few extra payments every year because of it. I'm planning to pay mine off way early anyway so it's not a big deal

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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You can literally just elect to pay more every month for the exact same impact. There is absolutely no reason to keep the money earning basically no interest in the escrow account longer than it needs to be. Just pay monthly and if your budget allows, pay extra each month.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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We can still do that with biweekly payments

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Both of these are idiotic.  What you actually want to do is called recasting the morgtage which will directly lower the principle outstanding, which in turn lowers your interest and monthly payments.  So take those extra payments you are making, stuff them into a bond or CD or money market fund until you reach the minimum for recasting (usually 25k or so) and do that.
There is a reason the bank so prominently displays the "pay extra each month" option while never directly telling you about recasting (unless you are rich).  The former is a good deal for the bank, the latter for you.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Just pay off the entire mortgage at the start. Are you a poor?

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Not maximizing the tax advantages of the morgtage interest deduction.
Not buying out your own morgtage in your REIT to double dip on tax savings
No, paying cash up front for anything is for poor people.  Rich people tax advantage to the max.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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:marseynotes:
Need to remember this for when I buy a house.
(Not a rentoid, just living in your walls.)

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Borrow money for a home? Why not pay cash up front? Or take one of the family auxiliary homes?

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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weekly mortgage?
definitely

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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americans are weird with units. at some point you just accept it. I'm just happy he didn't use fortnite or something

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Fortnite is part of the metric system, I'm pretty sure.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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I doubt he's paying a mortgage weekly probably more like out of their weekly budget they have to save money for the mortgage (and lotto tickets ofc)

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Charitably, maybe they get paid weekly and have it automatically sent to the escrow for their PITI payments bc they're so r-slurred w/ money that they'd spend it before the end of the month otherwise.
Edit: But they mention working school hours, and I can't think of anybody working at a school who would be paid weekly. Def not teachers, I don't think even the jannies there get paid weekly.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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https://old.reddit.com/r/AITAH/comments/1jq5epo/comment/ml9jc3v/?context=8
They mention working school hours because they have kids in school.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Oh. Well maybe they do get paid weekly then. Maybe they're like cashiers or some shit, it's gotta be a job where they can get weird shifts.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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Reading through his comments, I think he's Australian.
Maybe that's more common there? :marseyshrug:

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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I know they pay their rent weekly in Australia so it's probably just the same for a mortgage there.

						


						
							

							

								
									
								
							


							

								
	

							


							

								

									

										
										

									


								
						

					
				


				

				
					
	

	
		

			
		


		

			

				
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