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Non-Tech : Kirk's Market Thoughts -- Ignore unavailable to you. Want to Upgrade?

To: robert b furman who wrote (3369)	9/1/2015 10:44:31 AM
From: Kirk ©	1 Recommendation Recommended By 3bar Read Replies (1) \| Respond to of 26638

We're very similar in many ways. My parents had a 4.0% CAL-VET loan for a home bought in 1960 with the down payment made by my great grandmother as a loan that turned to a gift if they paid her back by sending us kids to college. I got $150 a month to pay room and board at the dorm and I paid tuition, books and the school medical plan. I moved into an apartment my Jr year after I made enough money at summer jobs to have my own room. They said us kids would only get money for 4 years then we were on our own so graduate on time or pay it ourselves. No $ for graduate school and I figured the salary invested would make up for the higher salary I'd get by going to grad school. Plus I was sick and tired of being poor so I wanted to make $. HP wanted me to get a MSEE at Stanford and offered to pay for it. I took some classes that would help me and managed to put the time into the job rather than other classes... was making as much as the top PhDs soon by doing well and asking (in a very nice way) at every review why I wasn't paid more and what could I do better... Ask and you shall receive if you are willing to listen and work hard, never an issue for me. First home was 14% variable mortgage in 1984. I remember the bank made me sell $3,000 worth of HP stock so I'd have some reserve to pay the mortgage should I need some cash crunch. We may see much higher interest rates BECAUSE I am considering taking off my hedge, 12 years left on 15yr 3.375% home refi, and using the cash only earning 1% to pay it off.