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UPS Retirement Topics
Retiree Healthcare Costs under Tentative Agreement
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<blockquote data-quote="pretender" data-source="post: 1143223" data-attributes="member: 1493"><p>I don't agree with everything Dave Ramsey says, but you would not go wrong by following his advice. I am of the opinion that IF you are disciplined, a 30 year mortgage is preferable to a 15. You should still make payments based on a 15 year amortization, but that would give you the option of dropping down to the lower payment, should the unexpected event occur. </p><p></p><p>His best tip is to never buy or lease/finance a new car. I hate to think of all the money I wasted in my younger years. Ironically, if a person is used to making a car payment, the inclination is to get a new car every 3-5 years. Our last two vehicles were purchased used, with cash. My car is now 13 years old and my wife's car is six years old, and I am in no hurry to replace mine.</p></blockquote><p></p>
[QUOTE="pretender, post: 1143223, member: 1493"] I don't agree with everything Dave Ramsey says, but you would not go wrong by following his advice. I am of the opinion that IF you are disciplined, a 30 year mortgage is preferable to a 15. You should still make payments based on a 15 year amortization, but that would give you the option of dropping down to the lower payment, should the unexpected event occur. His best tip is to never buy or lease/finance a new car. I hate to think of all the money I wasted in my younger years. Ironically, if a person is used to making a car payment, the inclination is to get a new car every 3-5 years. Our last two vehicles were purchased used, with cash. My car is now 13 years old and my wife's car is six years old, and I am in no hurry to replace mine. [/QUOTE]
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