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gabbar
2025 Dec 8, 6:50am
gabbar
2025 Dec 8, 6:50am
WookieMan says
College makes rules, so they made it a requirement because English department faculty need to make money too. There are several departments in every school, college and university that are not required but still exist...this is how they have chosen to make money.
Not sure why it's a required course in college.
College makes rules, so they made it a requirement because English department faculty need to make money too. There are several departments in every school, college and university that are not required but still exist...this is how they have chosen to make money.
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As interest rates rise, the math says that it's better if invest any spare cash rather than pay down debt, which is at a low fixed rate (house, student loan, small car loan). However, particularly with the mortgage, there is something to be said for the peace of mind of having it behind me and owning my home outright. I'm fully funding my 401(k), and have a six month emergency fund, but until now, any "free cash" beyond that, I've been diverting to the mortgage. As I sit right now, the goal is have it paid off in the next 5 to 7 years. With high yield savings paying about 4% right now, that's a 1% spread relative to my 3% mortgage.
As much as I could try to invest in the market 1) I'm not that good, and 2) the market has more or less peaked, and I don't see another major bull market given that we are seeing the end of the "everything bubble". Once I own the house free and clear, then I'll have plenty of "play money" to invest or whatever and hopefully catch the next upswing.