Pending: Modern, Convenient City Living in Portland!

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Modern, industrial and convenient city living. This south-facing unit with sleek built-ins and separate sleep space, is on the same level as the private courtyard. It includes a dedicated 2nd floor parking space and storage. It also has a secure building access with its intercom entry.

Have morning coffee on your balcony or enjoy a nice walk on the Willamette River Waterfront Park trail or to the Lan Su Chinese Garden. High walk score and easy Max line access.

Simplicity, great value and can be rented.

411 NW Flanders Street #309, Portland, OR 97209, $250,000 Exclusively listed by Shawn Realty, Old Town Listing Company

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모기지를 빨리 처분!? $153,334.14 아끼기!

팔리 모기지를 끝내는 세가지 방법을 보내드립니다. 근데, 다른부분에 투자를 하시면, 천천히 끝내는것도 좋을수 있어요. 만약 다른분야에 투자를 안하시면, 빨리 모기지를 내서 이자금액 줄이고, 빨리 마금하시는 것이 좋습니다.

  1. $200/달 더내기: 30년 모기지가 25.3 년으로 줄어들고, $96,125.72 이자금을 아끼실수 있습니다.
  2. 한달치 집세를 2주에 한번씩 내기: 30년 모기지가 26.5 년으로 줄어들고, $71,607.82 이자금을 아끼실수 있습니다.
  3. $200/달 더내고 한달치 집세를 2주에 한번씩 내기: 30년 모기지가 22.4 년으로 줄어들고, $153,334.14 이자금을 아끼실수 있습니다.

$400,000 모기지, 3% 이자율, 30년
파이낸스 계산기:
투자 계산기: 

Paying off mortgage fast!!??

In this video, I’m sharing 3 ways to pay off mortgage faster. Also, I talk about why you would want to pay off the mortgage fast and when you wouldn’t want to do that. It depends on your current “life stage” and your financial goals. The answer isn’t as black and white because every individual’s situation can be different (just like in every finance situation). But, I’ll try to make it easier to follow.

  1. Current monthly payment + Extra (example $200/month): 25.3 years to pay off and save $96,125.72 in total interest payment.
  2. Bi-weekly payment: 26.5 years to pay off and save $71,607.82 in total interest payment.
  3. Bi-weekly payment + Extra: 22.4 years to pay off and save $153,334.14 in total interest payment.

Based on loan amount $400,000, 3% interest rate, 30 year loan payment (principal and interest)

Financial calculator:
Property evaluator:
Here’s my book recommendation on real estate investment. Hold by Gary Keller:
Other Youtubers I learn from:
Graham Stephan: BiggerPockets:

Active investor (should-be-active investor): I mean that if you are under 35 years old and making income and want to invest for the next 20+ years and take some risks because the longer time in the market can overcome shortcomings. There are better ways to use extra income toward other investments rather than paying toward your mortgage, such as stock or the real estate market. If you can make +7% in your other investments and pay 3% toward your mortgage, your net gain is 4% which is obviously better.

Passive investor (want-to-retire-soon investor): someone who has been investing for a while and additional investment is not necessary; you might want to pay down the mortgage faster, so you can reduce monthly living expenses. Or you just want peace of mind. If you lose sleep because you are worried about your investment losing value, no matter how great that portfolio might be, you wouldn’t want that. At least, paying off mortgage faster can work as paying 0% than -3% that you pay to the lender.

Opportunity cost: That extra $200/month can go toward paying down your mortgage faster or invested toward something else that can yield more return. The more time you have, the better it will work for you. Because of the compound effect that gets amplified by time in positive or negative directions.

  • Want to schedule a meeting to talk about your strategy?