DB Marketing and Finance

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Written by dewadmin on 06/11/2018

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I’d be curious to hear why he advises against it

Written by dewadmin on 06/27/2017

Do you happen to recall at least some of his reasons, and whether any of them were for commercial property? C for D is the traditional way to buy farms, with mortgages becoming more popular in the last 100 years but not nearly as common prior to that as it is amongst residential properties. So now I’m wondering what his reasons are, since a lot of his other advice is “go with what your grandparents did”.

I would not be mad at you for getting a credit card

Written by dewadmin on 06/05/2017

I actually have a Macy’s card and use a CC that replaced our great hybrid cc/debit card due to reg changes that made it go away. BUT, we have NEVER carried a balance. In my years of having CC’s I paid interest ONCE in college and thought it was stupid to pay more for the item than I could have paid in cash. So I have paid them off since then.
With that said, if you got a cc you would HAVE to pay it off monthly. Maybe only using it for gas or groceries, tracking the balance, and paying it off. Even using it for online purchases or something… I know it’s anti-dave. No flogging from here!

Loan amortization calculators

Written by dewadmin on 05/28/2017

I forgot to mention that per some online loan amortization calculators, a loan amount of $800K, amortized over 10 years with an APR of 6.00%, would have a monthly P&I of $8881. So my $8000/month figure is VERY close to what a loan calculator would generate. That means that without any sort of big cash infusion from the sale of our house, we’d already be darn close to paying off the loan after 10 years. Wow. This is actually do-able. Mark, you might get TWO big wet kisses. And maybe a side of pork.

You know, that might just work

Written by dewadmin on 05/05/2017

I crunched a few numbers just now, and came up with better answers than I’d expected:

Just for the sake of simplicity, let’s assume the following:

*Property appraises at between $800,000 and $1,000,000

*We offer, and they accept, a total purchase price of $800,000. That translates into roughly $10,000/acre since the farm is 80 acres. That’s actually a tad above par for our area, so that would be a decent offer.

*We offer, and they accept, a monthly payment of $8000, which is roughly comparable to a rule of thumb I learned doing mortgages (monthly P&I is approx 1% of the total loan amount).

*We pay off any balance due at the end of 10 years.

Now, I am already gunning to make $1000/wk with the farm by the end of THIS year. So setting my sights on making $2000/wk (ie, $8000/month) with the farm biz within 5 years, is a big goal but it’s definitely possible. That rental could count (and I would make sure it did count) towards any down payment.

Furthermore, we have our home property which we’ll have paid off by 2018, and that’s without any extra payments towards principle. By mid-2015, we’ll be done with consumer debt and could retire that mortgage a year or two early. If we bought the big farm, we’d probably be ready to sell this place. That would net us roughly $350,000 which we could also throw at the balance to be paid to the family. Or, we could hang onto this place as a rental (whole ‘nuther topic there), then sell it towards the end of our loan, to make the balloon payment AND give us a nice fat surplus.

I could get flogged for my answer, but I say it’s fine

Written by dewadmin on 04/15/2017

Of course it doesn’t go with that DR says. I have said it before that DR doesn’t live in my house and in my city therefore his program is just suggestions and guidlines to follow. They need tweaking some to work for my family.

I had this same conversation with a friend and neighbor of mine last week. Her car insurance DOUBLED from what it had been the previous month. Nothing in her policy changed as far as claims, type of coverage, pays in full every 6 months, etc…but what did change was her debt had gone away. She doesn’t have credit cards, never has. But she had student loans. That 10 months ago had paid off. Well her insurance company pulled all her (and her hubby’s) credit reports and DMV records this time and found that due to her lack of credit it put her in an “F” rating and labeled her high risk. After talking with the agent (they’ve had the same one for 9 years) he was able to move their rating back to a “C” since he knew the circumstances. But here is WA (STATE) they are govern by regulations so that was the best he could do for them. Yes they looked around and found the same issues every where else.

So I say if you KNOW 100% you can pay in full do it. However, you don’t have to use the card every month for it to be a positive on your credit report. Charge a few bills there for a month, pay them off and them use it to pay ONE bill only once in a while, every 6 months or so. I only recommend doing this if KNOW you will pay it off. For some credit card debt of any kind is a weakness and even though they say they can do it, their records shows they can’t. Credit cards were never my weakness, and even though I am debt free except my mortgage, we use our credit cards (yes I have three open cards) I only use them once in a blue moon….and yes, when I use it I pay if off right away. I use it for hotels and online purchases. Again not what DR recommends, but for us it works.

This issue with my credit score dropping like a rock did not help my mood last week

Written by dewadmin on 03/14/2017

I know it was to be expected, and I know that worrying about my credit score is ultimately a “fool’s errand”, chasing after something we fundamentally don’t want and is only there for someone else’s profits. That being said, we did have and do have professional goals which in all likelihood will depend on having a decent credit score, at least in the near term (within 5 years).
wood I think Eldred had suggested last week that perhaps we do get one single credit card , and only have it for things like paying the utilities. Pay it off every month, yet have it to show that solid payment history and thus either boost and/or improve the credit score, at least long enough to get our next farm purchased. I sorta hated the idea, having worked so hard to get out of that habit of putting stuff on a credit card. But the idea does make sense, it does accomplish what we want, and it does NOT mean we’re going to go wild with spending in the future like we have in the past. I have also been trying to think of alternate funding options which did not involve the use of a credit score (which thus does not involve the acquisition of a bank loan to buy the next farm, whether it’s the one we have in mind, or any future piece of land). Frankly, aside from some unknown-but-rich relative kicking off and leaving us a gob of money, I can’t think of any way to buy a major piece of property like a working farm, without a bank loan.
I guess I’m asking for some ideas here. Would you all flog me if I got a credit card for that purpose? Can any of you think of an alternate way to buy a piece of real estate, where the $$ owed would be approx $400-650K, within five years, without having that entire amount already in savings?
I have even spent time mulling whether we should just give up on the idea of buying the bigger property, and somehow make a go of it here on our existing home property. But at six acres, we’re already outgrowing it, and our income is directly linked to our size of operation. We’d have to continue leasing land if we intended to stay here. That part bugs me too, because then we’re never really in control of a big chunk of our working business.

Our church does not have anything set up for this

Written by dewadmin on 02/17/2017

I have received my cards, actually this is my 2nd order. First was for 250 cards. I actually sold a set to an employee of the man who built our kitchen cabinets and the built in’s for my studio. When I delivered them to the shop today, I got paid for another set that antoher employee had bought. Then, a 3rd employee wants 2 trivets and set of coasters for a Ducks Unlimited banquet, for auction an auction. I am not sure I can do what he is asking for because I am unable to find it. However I am working on a solution for when I call him with the news. So things were rolling along, at least for today!

I feel for you and with you

Written by dewadmin on 01/25/2017

My hubby is nicknamed “Eeyore” by myself and the kids…..as he is the same way….pessimistic as can be.

He thought we would always be in debt–and credits the whole having a paid cash for house to me. Although, I credit him in being supportive of my crazy ideas…including this fixer upper house.

I, on the other hand, am Tigger— optimistic and energetic.

Funny enough—it helps to keeps us balanced.

Same thing in money—if hubby has $10 in his pocket–to his name….he is going to spend it….gas station snacks, a kids fundraising—anything–the first thing he comes across.

We have been married 22 years next month.

How do we do it—-for most of the 22 years—I have planned and budgeted the money and gave him an allowance, if our budget allowed.

If he needs something beyond the pocket money–he would ask if we had enough in the account. He didn’t want to know the full balance–because he knew he would want to spend it on whatever.

In the past few years–I have come to realize my budgeting wasn’t perfect or we would have survived my job loss as a teacher a few years back much easier and we wouldn’t be working on paying off the debt that still exists…

So–as of the past year or so—I have paid the bills, put some in savings, and then asked his input on where we should put the rest…

I now keep him informed of the bank account balance—but let him know that most of it is still earmarked for something in the budget…but at least now he knows we have money in there.

I also keep a little extra in the checking—just incase he has an impromptu spending—but I check the online account daily….

Again—-you have to do what works for BOTH of you and your finances,

Wow – what a rollercoaster you have been on

Written by dewadmin on 01/02/2017

As you know, my partner and I struggle some with the same issues. My partner was similarly deciding that it was all too much so why bother. But, she totally trusts me, or at least she says that she does. We have been making progress lately. We are not there yet either, but we’ve decided that any budget needs to take into account things that both of us value. Maybe DH doesn’t feel that he has a say over the budget and making him feel like what he values can be included might be a good start.

For example, it bugs me that my partner eats out once a week with her coworkers, but she feels that it is important working bonding time. So, deciding ways to minimize that cost might be a better approach than just cutting it out.

Anyway, we are still working on coming up with a workable budget. It’s a work in progress, but I have faith that we’ll get there.

Keep up with the topic during the counseling sessions and hopefully you’ll see the same thing start to happen. After all, as much as you want to be debt free, it will feel so much better knowing that you did it together.

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