Leo, money is burning a hole in your pocket, so you may want to go on a spending spree. Keep in mind that there are a few bigticket purchases waiting in the wings. Gemini, your love life is in a really good place this week, which enables you to spend some quality time with the one you love.
A romantic dinner sounds like the ticket. This is a great way to recharge your batteries. A few tasks need to get done, Libra. But afterward you should have enough time for some social interaction, whether that be a party or simply a movie night out. Think about the things you want instead of what other people want. This situation will continue in the days ahead. Point one point E of due S 4. Slithered 8. The brain and spinal cord abbr. Direct the steering of a ship Chops with irregular blows Plural of hilum Incline from vertical geo.
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Schenectady County Airport 2. Small water craft 3. Opposite of ecto 4. The woman 5. Skeletal muscle 6. Devoid of warmth and cordiality 7. Decameter 8. Italian goodbye 9. Mediation council Impudence A desert in S Israel Japanese seaport Nob or goblin Swiss river Protects head from weather Lava rock Designer identifier Petrified ancient animal Gas used in refrigeration Journeys to Mecca Eighth month, Jewish calendar Small indefinite quantity Taps Extremely high frequency Iguanidae genus Cologne A minute amount Scott Hindu name for 4 epochs Faded and dull Radioactivity unit The face of a clock The inner forearm bone Tai language of the Mekong region Embrocate Possessed Public promotions Lunch is served!
Craving a classic Sailor sandwich? How about a helping of our homemade chicken salad on a fresh-baked croissant? The Cafe at Maidens is open for breakfast and lunch Mon-Sat from 7 a. We buy gold, silver, platinum, copper, jewelry, diamonds.
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Formal dining room opens to kitchen as well. Spotless conditions with many extras including wood floors, security system, generator hookup, water treatment system, large deck, 2 car garage and detached carport and storage. Beautiful, renovated ranch with soaring ceilings accented with tongue and groove paneling, new Kitchen, 3 car garage on 3.
Private master suite and 2 additional bedrooms and baths located on the opposite side of the home as well as a den and office. Two story 2 stall horse barn, fenced pasture, detached shed, patio. One double and one single car garage. Nancy Wise www.
Driveway is in and house site is cleared! House will be nestled in the woods surrounded by mature hardwoods. View online: www. Terry Adcock Basement Colonial. Walk-out Basement rec room. Oversized 2 door-2 car garage.
Beautiful fresh earthtone paints with recent added ceramic tile kitchen floor. Large deck off kitchen with patio below. Low maintenance vinyl exterior siding and windows and detached storage. Hardwood floors in foyer and formal dining room with custom trim. Kim Wooten www. A rare find! Abundant wildlife! Take a virtual walk of this property at www. Adorable one level home that is in move in condition. Home features a vaulted GR with wood burning stove, huge rear deck, fenced rear yard.
Sun filled Kitchen with updated appliances. Recent updates HVAC system, hot water heater, laminate wood flooring, new carpet.. Did I mention across the street from the lake, enjoy breathtaking views from your front porch. Call or text. Join the lake assoc. Build now or build later, bring your own builder or use one of ours! This subdivision is close to schools, shopping and the Courthouse area!
Jeanette Towler Waterfront Dream Home!! Custom Home on a private park-like 10 Acre lot! Remodeled Master Bath and Kitchen!! Too much to mention! Floyd Palmore www. Original part built in ss addition. Updated mechanicals including geothermal heat pump, updated kitchen and bath.
List price includes 20 acres. Nottoway, 98 Acres beautiful rolling land with timber value just reduced. Lummie Jones www. Huge dining room for entertaining, upgraded kitchen includes seamless granite tops. Move in! Gorgeous setting on 2.
This 2, sq. Patrick Conner www. Bring your horses. There are rolling hills which could allow you to build a home with a basement. Call today for information! Jeanette Towler Enjoy the Lake Amenities This Sq. Ranch offers, 3 bedrooms, 2. Front and rear yard fenced!
Very convenient location! Location, Location, Location, 10 beautiful wooded acres with plentiful hardwoods, zoned agricultural. Convenient to Rte. Beautiful home located in Scottville at Powhatan, a 55 and older community located in the heart of Powhatan. This home features a vaulted great room with gas fireplace, eat-in kitchen with stainless appliances, master with private bath and a huge walk-in closet, guest bedroom, and second level loft area.
You will enjoy the full country front porch and rear deck. Lots of upgrades. Wonderful neighborhood with country views in every direction, no detail or feature was overlooked in this spectacular home! Private master suite with sitting area, deck access, ornate bath and large walk in closet. Seller to provide 1 year Va Surety Warranty. Situated on 2 beautiful acres.
Priced to Sell! Shelly Blair Beautiful wooded lot across the street from the lake! Bring your builder and build your dream home in this top neighborhood with luxurious homes. Lot is wooded and elevated from the street level that should allow for wonderful views from your front porch. Better than new! Owner just completed many renovations, such as new carpet, new central air, freshly painted and many other items.
Very nice home. One block south of Route Plenty of potential. The land is level and wooded. Call today for information. Floyd Palmore Outstanding value—Eastern Powhatan only minutes to route Full front porch, large rear deck, oversized garage, brick fireplace with gas logs, walk-up attic, almost two acre private wooded lot. In the last five years, the owner has installed new carpet, painted inside and out, replaced well pump and tank, replaced hot water heater, installed a new roof, installed new garage door opener and replaced the heat pump.
Wonderful opportunity to own a lake lot within central Powhatan and only 20 minutes from Rt. Owner financing available. All floors are hdwd except baths and utility are tile. Whole house generator, tankless hot water heater. Plenty of space and a huge two-car garage. Enjoy the peace and quiet sitting in the closed-in porch enjoying nature and relaxing from a hard day at work. This home has a firstfloor Master bedroom, full front porch and a paved driveway.
Hurry and take advantage of the great price. Sylvia Miles Lovely Mini Farm. Porches are 8x12 and 7x You will love this home. They played very hard and very well. The freshman point guard. Pregame drills last Tuesday evening revealed the obvious strength of the visiting Banner Christian boys basketball team. The Bearcats were loaded with speed and quickness in the backcourt and appeared primed to literally run the Blessed Sacrament Huguenot Knights off the court.
But for almost three and a half periods, and behind a career day for Ethan Sill, the Knights kept pace with the running Bearcats and led over a team ranked No. Assists from both Athey and Payne stretched that lead to 10 and, despite two field goals from Sill, a Bearcat parade to the foul line pre-. Sports Editor. Their district. Versatile play a big part. See Indians page 2B girls varsity was off to a Sports Editor. We know teams are gunning for us, so we have to stay grounded.
Chris Deleon added nine points before fouling out and Taylor stepped up when the Indians were struggling to score, tallying all seven of his points in the final We have to be perfect. The Indians got within a point on Bal-. Engle hit two free throws on the other end, sparking the Warriors on a run that prompted Washburn to call timeout with Powhatan trailing and only left in the game. Drew Ratliff started it with a 3-pointer and Taylor ripped off seven quick points in a surge that brought the Indians back within six at They work hard and we can see progress being made.
Powhatan has hardly struggled so far this season. The Indians opened with a rout of Goochland and won their first five games before falling to the host team in the finals of the Patrick Henry Christmas tournament. They picked up right where they left off with lopsided wins over Prince Edward , Louisa and Goochland Freshman Montiera Johnson made her first varsity start against the Trojans and scored 15 points, while classmate Timesha Morris led the way with You can get on them and they handle it like veterans.
After wins in 12 of their first 13 games, PHS girls basketball coach Paulette Bowman is determined to keep her team striving for more. Asked if she and assistant coaches Jasmine Young and Candy Daniels have faced any drama from having two freshmen playing so many key minutes, Bowman just laughed. They enjoy playing with each other and it always helps when you win. Last Wednesday, the coaching staff rewarded their players with a postpractice pizza party.
We gotta eat. Credited by the players for creating a. But PHS dominated the third quarter and outscored the host Warriors to take control. Hannah Livermon and Montiera Johnson scored eight points apiece for the Indians. Omri is an 8th grader who carries a rigorous schedule including some high school credit classes.
Injuries continue to pile up for the Powhatan High wrestling team, which won two of three matches at the quad meet it hosted last Wednesday. Frazier tries to put his Hanover opponent in a cradle. Thomas Smith closes in on a pin. Knights: Fall to athletic Bearcats keeping pace, the two teams struggled to score served the win for in the second period. Registration is required.
Free parking available. PLUS, if you come early, you can tour the gardens before the seminar for free. Cardiovascular Health for a Long Life Join a panel of renowned experts from the VCU Pauley Heart Center as they offer tips for good heart health including controlling high blood pressure and lowering cholesterol.
They will also discuss new treatments for cardiac problems and issues regarding women and heart disease. With left in the third Sill powered back an offense rebound to give the Knights the lead and then found Waldorf again to put BSH up Sill put the ball on the floor and drove the lane to put the Knights up by two.
At the beginning of the final quarter, Marco Vanjelovich went strong on the offense boards to force a tie. Luke Stanfield put Banner ahead. Sill led all scorers with 29 points and Waldorf; still recovering from an illness, added Athey scored 27, Ranjelovich added 16 and Payne contributed 10 for Banner. Warren Felton III who will discuss what you should know about stroke, stroke prevention and what you should do if you have a stroke.
Advertise your camp, event, or daycare in this special guide! She then dropped in a short jumper, stole the ball and fed Katie Clarke for a lead. The BSH girls led again at on another Landon to Clark connection and closed out the quarter with a advantage. The 6-footer responded with 27 points. BSH coach Sally Lewis went to a box-and -one defense on Beahm, but with Thompson on the bench and Clarke owning two fouls of her own, Lewis was forced to assign the much shorter Landon the job of chasing Beahm.
Still, the Lady Knights hung in and were only down three in the final two minutes of the half. But the BSH girls missed two easy scoring opportunities and turned the ball over, allowing the Lady Warriorsto to go to the locker room leading The Lady Warriors appeared so confident that they took no warmups prior to the start of the third quarter. That appeared to be of no consequence as sharp interior passing earned Fallon Williams and Taylor Pruitt a basket apiece for a nine-point Tidewater lead.
The Lady Knights went almost three minutes before collecting their initial second-half basket on a power drive by Clarke. Corrine Birriel scored on a steal and run-out to close the gap to five before Beahm and Williams got those four back. Clarke opened the final stanza with a long jumper, but the Lady Warriors went to an old-fashioned weave. Beahm went over Landon for an easy score and Williams got loose for a short jumper.
Thompson returned and immediately scored on a turnaround in the lane, but Birriel picked up her fourth foul. Six straight points by Beahm, including both ends of a one and one, saw the Tidewater lead stretched to Meanwhile, the Lady Knights misfired on eight consecutive field-goal tries as the Lady Warriors marched to the freethrow line to extend their lead to the final Lewis said. Clarke led Blessed Sacrament with 16 points, followed by the five that Landon scored in the first minute and a half.
Birriel, normally a double-digit scorer, had only two points and the Lady Knights fifth starter, Kimberly Robben, went scoreless. Lewis added. Limit Limit one one coupon coupon per per customer. Not Notvalid valid with with any any other other offers offers or or promotions. Limit one coupon per customer. Not valid with any other offers or promotions. Financing available for qualified customers. See store for details. Call for an appointment. Call to schedule your appointment today because a nice smile makes all the difference.
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The huge kitchen has tons of counter and cabinet space along with an eat-in area and an island. Box 67 Powhatan, VA bruce thehousegeek. Application and deposit req. Ask about our winter move-in special! Powhatan - 2 miles from Courthouse. Fronting State Road. Retail or Office. Are you or someone you know a victim of domestic violence?
Contact Powhatan Domestic Violence Services at. Less and except 0. Nunnally and Olga S. And more fully described in the above Deed of Trust. Tax ID: C 1C Settlement within fifteen 15 days of sale, otherwise Trustee may forfeit deposit. Additional terms to be announced at sale. This notice is an attempt to collect on a debt and any information obtained will be used for that purpose. Sited just over 5 ac, this serene property is located just a short distance from the West End or Downtown.
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Tax Map No. Settlement within fifteen 15 days of sale, otherwise Trustees may forfeit deposit. Loan type: Conventional. Paid Prog. Phil The Dr. Cheers Cheers. House of Representatives. Penguins Kung Fu Sponge. Live College Basketball: Duke at Maryland. The Middle Suburg. Guy Amer. Dad Ent Inside Ed. Lighting Burt Wolf As Time Guy Fam. Home Imp. Dad Amer. Dad Fam. David Torres. Smiley T.
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That said, this idea is not for those with any other higher interest rate debt or without an emergency fund, retirement fund, college savings for the kids etc. No sense paying down my mortgage early with dollars that are more valuable today when I can pay them off with what will surely be far-less valuable bucks tomorrow. Way behind on making correct financial choices for my future.
Currently working full time, with the opportunity to be fully vested in a 10 yr requirement to , None other past jobs that I have had in the last40 years offer any pension with the exception of current job. Early in my adult life my pension was in the education field, left to start a family, never to return on a full time basis.
Savings has been depleted by differen family emergencies and poor management and foresight. Nice one. Just goes to show there is more than one way to skin the cat — that is why it is called personal finance. It is good you brought into light the factors that sway the decision one way or the other.
You forgot the tax deduction. At current mortgage rates, it almost makes no sense in most cases. As you get older, near retirement and the deductions decrease it makes sense to pay off. Higher price homes do have larger tax advantages via itemizing it.
But with lower price homes, the standard deduction may high enough to nullify any tax advantage from itemizing the mortgage interest. I would push towards 6 or even a 9 month contingency fund before I started paying too much extra principal though. Perhaps work toward both with equal payments. Things in our economy are a bit more volatile these days and a bigger buffer can mitigate some of the risks. I personally lean slightly toward paying the mortgage off early with extra principal payments each month Make sure your lender is applying them immediately.
Sometimes it is better to send in the extra principal as a separate transaction…with a note:For Principal Only. There is a huge sense of satisfaction in watching the principal drop. No point locking cash in. Great post. However, UR right in that there are some other issues to consider. Thanks for writing a balanced post. MoneyReasons: I agree. In my case I have the added advantage that, after years of diligent saving, I already have enough money saved up to pay off my mortgage balance at any time if I so desired.
At any time I think my latest position is wrong, I can use those savings to pay off the mortgage off. Great if you can build one, but not sure everything else should be put on hold until you get to that total. Maybe wait until you get to three months, then split the difference by continuing to add to the emergency fund albeit at a slower rate AND pay down the mortgage? Just my two cents… Barb: Yee haw! I feel like Babe Ruth right now!
Sam: Hey, that is clever. I think that is a smart way to split the difference. Roshawn: At times, I still catch myself doubting my latest course of action. It is a very tough decision to be sure. Worth doing yes, but a high priority, no. Also Len, on the inflation issue. I will agree that paying off a mortgage with inflated dollars in the future is in fact good as the dollars are worth less.
So what difference does it make if you pay it off now with saved money? Hi, Ben. It is not easy but very possible. For example, i took money out of my house and bought another property that is making 9.
My tenant is actually helping me pay my mortage. By the way my fixed rate is 4. I think as time goes by my net income will increase to help me pay my mortgage even more. My reason for doing this is to get my mortgage payment is low as possible now so i have even more savings and enjoy life while i am young. I dont want to have wait until i am old to pay off my loan. I want to enjoy life now.
Like the article in lots of ways. I am in the process of doing this now as I now have created a emergency fund for a 6 month period and have maxed my k contribrutions. Able to take lots of hard earn money and place it in greater amounts to a interest bearing account and create tax shelters of some sort with my money, rather than always giving it to the mortgage company and insurance aggency..
Not a master money person, just like the mortage payment raise better than the low interest rates and time to create the numbers my mortage payment can give me quicker for my golder years. Example with my mortgage: The rate on my credit card is My mortgage rate is 6. That conventional wisdom applies only to credit cards. Marklan, your logic makes no sense. Just because How much of a particular payment goes to interest when you pay your credit card?
Compound interest is compound interest. Would you rather charge your house on a credit card at Touche, Glen. Thanks for knocking me back to reality. My husband and I both work. We have one son who is 22 in college. College is paid for already. Our cars are paid for and we have no credit card debt we pay them off each month.
I am 40 and my husband is 43 should we pay off our house? I feel like it would give us some financial freedom. What does it matter if you owe more on your house than it is worth? You still owe the money — unless you are planning on walking away which kill your credit. If you bought the house and agreed on a price you are morally obligated to pay the mortgage and paying off the house should be fine.
The house value can always start to come back up. However, we elected to pay off our mortgage a few months ago. Our taxes marked the point of not being able to itemize. My wife retired this year, and I hope to retire within 3 years. The peace of mind played a big part in our decision, along with the fact that it was a guaranteed 5. Sure, others can just as easily argue for keeping their mortgage payments, staying in debt.
Still, there is nothing like being debt free in my opinion. You owe nobody, and nobody owns you. And what about this one— He who dies with the most debt wins? So why pay off my house when I can use the cash today? Mathematically investing is the way to go, but if you can pay off your mortgage early and avoid having to make monthly mortgage payments you do so.
Paying off your mortgage is the sure thing, investing is not. That is just not logical. How can that be satisfying to anyone? Thanks for the insight! Thank you for this forum and everyones input. I own my vehicles, and have no other debt. I am 51 years old, and I like the idea of knowing what I will owe every month and if I need to cut back or save more, I have enough flexibilty to make adjustments to my budget.
Great Article. I completely agree, with point Number 1, under reason to pay it off. I also though have no other debt, a very healthy emergency fund which increases substantially because I take out the huge monthly mortgage payment from my monthly expenses. How may of you have as much in your investment account that you had in ? My aim was to pay off my mortgage as soon as i can but you shine some different light.
Thanks for the info. If you get a 1. And even though inflation is devaluing your mortgage it devalued your salary even moreso. So if you predict inflation but stagnant wages you would probably want to pay off now so that you can use your reduced wages to pay for the more expensive other goods you have to buy.
In times of high inflation, Guy, competition forces employer salaries to keep at least try and keep pace with the rate of inflation. Back in , when inflation was peaking at 14 percent or so, before-inflation median income increased by 9 percent — but inflation-adjusted income decreased by only 3 percent! Within four years or so, interest rates were back under control and workers ended up regaining everything they lost during that period of high inflation — and those workers with fixed rate mortgages were the biggest victors.
Nobody is doing you a favor!!!! He is almost on to it! The front load illegal in many lands method of interest accrual on mortgages in our mobster banking system not must be taken into account. If staying in house for all what would be thirty years lets say, would be irrelevant. The sooner you would perhaps move out of house within the thirty year period , the more you want to knock down principle.
Marklan is getting it. Ask yourself why would that be. Ask why! If you have financial means and fail safe precautions in place pay it off now! Dont give them basturds an extra penny. Say No thanks to write off! You can invest in their casino if you choose, after you have bought yourself out of slavery. Then consider being you own bank as an investment. Ask yourself….. If I were the richest people on earth…. The CEO of one of the most successful and largest corporation in existence….
Answer: No! But he would for a lot more! Any moron can double investment in 30 yrs!!! Why do they do it? Last thought. I swear I tend to get excited and ramble. Many say putting extra money into mortgage is financially wrong. And you can sleep in it. And then you can take that check and use it elsewhere. I agree with the majority of you that this is a personal decision. If we have hyper inflation we have many other issues besides worrying about money we already spent from paying down our mortgage.
The tax savings is insignificant compared to the interest paid. You are not saving money through taxes you are just reducing your expenses. Hi Len, the 12 good reasons you presented seems not practical for an average Joe, like me. I always wanted to pay my mortgage so much earlier than any of my friends and colleagues.
However, this completely shifts my point-of-view and I have to re-think now and talk to my wife for possible modifications in our current payment. We just started late last year. Well, I always think paying off the home you live in is a number one priority. Mortgage is the current thing, debt is limiting your choice i.
So essentially, if I pay my principal off at 6. In terms of emergency fund, my mortgage structure is where I can put money in the mortgage, reduce my interest, but can redraw it anytime I need — without paying anything. I like the security of knowing, whatever happens to financial market i. If location independent life is in your dreams, having a mortgage or any debt is not the way to go.
My advice is that if anyone could pay off their debts early, they should do so. Tax savings you said? I have a question for Len. Needles to say, we are underwater on the current market value of the house.
With 2 kids in college and the only sole breadwinner, I was thinking about foreclosing the house and just rent. However, I heard that will stay on my credit report for 7 years. So what would you take on this. Good points, the correct answer for each person may be different. One major factor could be your tax situation.
I have my house fully paid and I would not change that for anything. My house value can go up or down and since I am planning on staying it makes no difference to me. With the pay cuts we have taken I am not sure with a mortgage we could make it, but now we have enough to do all the things we need and most of the things we want. We will never be rich, but we have everything we need and we do sleep well!
I really enjoyed your article for its balanced perspective. I agree wholeheartedly that this issue has so many variables that there is no cut and dry answer. It is a very personal decision that has as much to do with security and peace of mind as it does with economics. I weighed this issue very carefully just as you did but came to the opposite conclusion.
My wife and I decided to focus most of our financial resources on prepaying our mortgage. Next month we will acheive our goal. I have to say that my biggest motivation is working at a job that I absolutely hate.
This is a great blog. I stumbled in last night while researching opinions on this question. Have no mortgage on our residence, investing enough for the match in k and max in IRAs, already have emergency fund. Now the question is whether to invest extra in a taxable account or pay down one or both rental property mortgages faster. One of the drivers for me to do so is that while we have assets, our debt to income ratio is high,so getting a new mortgage now if we needed one could be problematic.
Thanks again for a useful and interesting site. Those are very sound reasons to not pay off your mortgage early. It may lead us to consider another property. Is it true that if instead of paying additional principal payments to the lender, you saved the same amount yourself and earned whatever interest, you could then prepay the balance at some point with no downside?
You would come out the same either way? If I pay extra on my mortgage, I pay down the principle, thus reducing overall interest.
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