| Author |
Message |
    
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 2077
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 2:28 pm: |
|
Lolakulu:ventures are okay
if you calculate rupee depreciation against $, and inflation, ee venture prices double aite, you'll be break even. chala kashtam appa |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68601
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 2:25 pm: |
|
exactly, this is what I am saying, without background investing in some areas is risky.
Venture and flats are safe. but apartments will have depreciation after certain time.
Mr Majnu Audio Review
|
Lolakulu
Kurra Bewarse
Username: Lolakulu
Post Number: 1238
Registered: 05-2017
Posted From: 165.156.39.23
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 2:16 pm: |
|
Musicfan:Its not a myth, when you experience it infront of eyes.
prime areas lo background lekunte konakudadu bro. but ventures are okay. |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68600
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 2:09 pm: |
|
Lolakulu:
I have seen two instances where the plots of non-local who doesnt stay there got occupied and had to pay amount to get it vacated after a long fight.
Its not a myth, when you experience it infront of eyes.
Then that was one issue, maintaining a house remotely is just impossible, I have a great experience with that either.
Mr Majnu Audio Review
|
Lolakulu
Kurra Bewarse
Username: Lolakulu
Post Number: 1234
Registered: 05-2017
Posted From: 165.156.39.24
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 11:11 am: |
|
Musicfan:Invest on land or independent house, its very difficult to maintain and protect it remotely as land gets kabja or maintenance of independent house is impossible unless there is an excellent person who can manage it.
ee kabja myth nundi bayataki randi bro. you are loosing a lot by not investing on plots and lands. my 2 cents for you. if you had invested 10 lacs atleast 10 years ago on plot atleast in your home town then current worth would have been 1 crore easily.....98% people give you either unknowledgeable or fake info. only 2% can give you right advise. but it is hard to find those 2% people. |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 2072
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:51 am: |
|
Lolakulu:
ok, that explains. got it |
Lolakulu
Kurra Bewarse
Username: Lolakulu
Post Number: 1233
Registered: 05-2017
Posted From: 165.156.39.24
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:43 am: |
|
Andhravodu:May be a while back, but ippudu konchem perigayi. I tried a few months back, I have 800+ score, naaku 6.5% chepparu, didn't take it. This is from great lakes credit union
longer durations like 180 months ayithe rate ekkuva. shorter durations like 60 months ayithe 4% isthunnaru maa area lo. |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 2071
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:27 am: |
|
Lolakulu:for 4% for sure with local credit unions
May be a while back, but ippudu konchem perigayi. I tried a few months back, I have 800+ score, naaku 6.5% chepparu, didn't take it. This is from great lakes credit union |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 2070
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:26 am: |
|
Goodman:What happens if i apply other places like CommonBond
It's just an application bro. Nothing bad will happen, you just compare and choose the plan |
Lolakulu
Kurra Bewarse
Username: Lolakulu
Post Number: 1232
Registered: 05-2017
Posted From: 165.156.39.24
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:13 am: |
|
Goodman:
HELOC is better bro if you have green card. you will get it for 4% for sure with local credit unions. Personal loan ke veltha ante guarantor pettukoni try seyi. |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 136
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:11 am: |
|
Andhravodu:4.5 nunchi choopistundi, 11.5 ante kind of low. It could be because of low credit score. Last ditch effort kinda pettandi
Heloc loan is clearly better
What happens if i apply other places like CommonBond |
Lolakulu
Kurra Bewarse
Username: Lolakulu
Post Number: 1231
Registered: 05-2017
Posted From: 165.156.39.24
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:10 am: |
|
Musicfan:Invest on land or independent house, its very difficult to maintain and protect it remotely as land gets kabja or maintenance of independent house is impossible unless there is an excellent person who can manage it.
evaro kabja sestharu anedi myth. it happens very rarily if you have a plot in very prime areas where sq. yd rate is like 50k or 75k etc. if you have plots in ventures, it is safe. |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 2069
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:08 am: |
|
Goodman:
4.5 nunchi choopistundi, 11.5 ante very high. It could be because of low credit score. Last ditch effort kinda pettandi
Heloc loan is clearly better |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 135
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 10:01 am: |
|
I feel interest rates are high... Should apply other site CommonBond or go with SallieMae? |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 134
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, July 11, 2019 - 9:58 am: |
|
Applied loan in SallieMAe and they approved for 25000
Variable
Interest Repayment :11.250%
Principal and Interest Repayment :11.250%
Fixed
Interest Repayment :11.500%
Principal and Interest Repayment :11.500% |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1859
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 1:51 pm: |
|
missed your earlier point rao garu
Musicfan:its very difficult to maintain and protect it remotely as land gets kabja or maintenance of independent house is impossible unless there is an excellent person who can manage it.
But this will appreciate probably 2-3 times based on area
excellent ani evadini nammalemu lendi. adi India, akkada evau stakeholder unte vadide rajyam. Manam ikkada job manesi court chuttu tiragalemu
maa wife x-colleagues india return ani delhi lo 1.5 crores apartment builder ki kattaru. vaadu 3 years nunchi vallani tipputune unnadu
long story short, desam lo RE is a giant oasis |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68429
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 1:34 pm: |
|
Andhravodu:7 or 8 years back usd/rupee vachi 1-45. Ivala 1-70
Musicfan:The tax you pay and the appreciation of property vs appreciation of Dollar doesnt really makeup with each other.
anduke anna,,
ikkada two scenarios
1. buying a flat
You invested 50 lakhs, 10 years later I dont think it will double as apartments only depreciated after certain time.
adi 75 lakhs aithe, and dollar appreciates too, then with 20% tax, it will be the same after 10 years.
2. Scenario 2
Invest on land or independent house, its very difficult to maintain and protect it remotely as land gets kabja or maintenance of independent house is impossible unless there is an excellent person who can manage it.
But this will appreciate probably 2-3 times based on area. but too risky.
Mr Majnu Audio Review
|
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1858
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 1:29 pm: |
|
Musicfan:friend sold a property in India, and brought money for his daughters college, he had to pay flat 20% tax on it. he lost lot of money during that process
inka oka daridram endante, 7 or 8 years back usd/rupee vachi 1-45. Ivala 1-70
Assuming you brought something 10 years ago, and put in 100k, 45 lakhs
today, you sold for 90 lakhs
20% tax, 72 lakhs
will get you.... 103k. If the property doubled, which is not the case most of the time |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68428
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 1:25 pm: |
|
recently my friend sold a property in India, and brought money for his daughters college, he had to pay flat 20% tax on it. he lost lot of money during that process
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68427
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 1:24 pm: |
|
Thokkalohdi:Let it sit for 10+ years and sell it when required for college.
Its a very tideous process and costly affair to bring Money from India to USA,,
also if it is from a property selling, it attracts lot of tax,, So better to hold money here than investing in India.
The tax you pay and the appreciation of property vs appreciation of Dollar doesnt really makeup with each other.
Mr Majnu Audio Review
|
Kodibochu
Pilla Bewarse
Username: Kodibochu
Post Number: 485
Registered: 04-2019
Posted From: 99.10.95.165
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 11:25 am: |
|
Thokkalohdi:I would suggest people who have <5... Apart from whatever you are doing to save for college.. Buy a house/flat or something in India or 2nd tier cities in USA. Let it sit for 10+ years and sell it when required for college.
Manam ikkada vundi, India lo RE ante..adi yevadu dobbesthaado theliyadu. India is the worst country to deal with these kind of issues. Chaavo..bathuko..ikkade thelchukondi |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1856
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 10:28 am: |
|
Thokkalohdi:Apart from whatever you are doing to save for college.. Buy a house/flat or something in India or 2nd tier cities in USA. Let it sit for 10+ years and sell it when required for college
I don't agree with this assessment
India lo RE is a losing proposition
a half decent apartment costs 60lakhs plus. And the rent you get is barely 20k. It's a money pit, you're better off holding cash in USA |
Thokkalohdi
Pilla Bewarse
Username: Thokkalohdi
Post Number: 483
Registered: 04-2015
Posted From: 24.5.236.139
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 10:18 am: |
|
I would suggest people who have <5... Apart from whatever you are doing to save for college.. Buy a house/flat or something in India or 2nd tier cities in USA. Let it sit for 10+ years and sell it when required for college. |
Thokkalohdi
Pilla Bewarse
Username: Thokkalohdi
Post Number: 482
Registered: 04-2015
Posted From: 24.5.236.139
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 25, 2019 - 10:15 am: |
|
Guys don't take your 401k or your home equity to pay for your kids unless you are <45. And have 20 year service left.
You will not be able to pay off... And I am damn sure kids when they grow up they take you for granted and might not pay you on time.
Student loans are best in this case. Your kid will be responsible to pay off. And if all be good thing. Your retirement will be safe. |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 94
Registered: 02-2017
Posted From: 104.129.194.153
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, June 24, 2019 - 12:43 pm: |
|
Andhravodu:you'll lose 5-10pts on the score for a credit check. Once the first credit check is done, any number of credit checks within 2 weeks will not cause any drop down in the score
So, you can shop and compare any number of sites within 2 week period
Thanks Andhravodu. good point. then I will proceed with both options and see how it goes. I will keep updates in this db during whole process. in future someone can benefit this |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1852
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, June 24, 2019 - 12:42 pm: |
|
Goodman:2. If I apply both places obviously there will be credit check ... and this going to effect credit score?
you'll lose 5-10pts on the score for a credit check. Once the first credit check is done, any number of credit checks within 2 weeks will not cause any drop down in the score
So, you can shop and compare any number of sites within 2 week period |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 92
Registered: 02-2017
Posted From: 104.129.194.153
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, June 24, 2019 - 12:38 pm: |
|
Now I am going to start on loan process. I can see 2 websites (Commonbond and Sallie MAe) are offering good rates.
1. Can I apply in both sites or check with them individually before entering to the actual process
2. If I apply both places obviously there will be credit check ... and this going to effect credit score? |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68417
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 10:20 am: |
|
Goodman:I ran into too many financial issues in last 2 years (lost 40k+ or close to 50k dollars for medical issues
Sorry to hear, these we cannot predict and even though we plan to some extent, sometimes we cannot manage.
But anyways, 1-2 weeks process go for loan as co-signer, kid will be less pressurized.
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68416
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 10:18 am: |
|
Goodman:one q. even if you have this much score they still will evaluate other things as well for deciding interest rates?
Saar, dont think too much, go for co-signer, shop around, student loans are 1000% guaranteed.
It doesnt depend upon many factors like other loans, Student, college, GPA these are the ones that matters.
Like auto insurance gives incentives for good student, these loans encourage good students by giving better rate.
Mr Majnu Audio Review
|
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1834
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 10:16 am: |
|
Goodman:
ouch, that's very unfortunate
medical bills, student loans vachi killer. Veeti meeda action teesuku vastanu anna Bernie tatani tokkesaru last election cycle lo. baga musalam padindi
tata vachi unte, kummese vadu. But atleast he brought in awareness, next president within 2-3 terms will have to have a plan for student loan forgiveness |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 88
Registered: 02-2017
Posted From: 104.129.194.159
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 9:51 am: |
|
Andhravodu:andariki kudaravu. mortgage etc undi, 1 income only ante, you'll usually run into financial difficulties. It's too easy to lose things in a flash here
This is exact my position. I ran into too many financial issues in last 2 years (lost 40k+ or close to 50k dollars for medical issues and went 3 times to india ofcourse 1 time with whole family in last one year) |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 87
Registered: 02-2017
Posted From: 104.129.194.159
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 9:49 am: |
|
I thought i may have credit score (not sure why I fixed in mind) around 680.... but i verified my FICO® Score today and found i have 725.
one q. even if you have this much score they still will evaluate other things as well for deciding interest rates? |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68415
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, June 21, 2019 - 9:34 am: |
|
Andhravodu:andariki kudaravu. mortgage etc undi, 1 income only ante, you'll usually run into financial difficulties. It's too easy to lose things in a flash here
Super gaa chepparu, thats how it happens most of the time here.
Imaginaiton lone 100k loan ante we felt we were squeezed and pressurized. Luckily we got good offer from local college, ledante I can imagine myself in Goodman's position.
Mr Majnu Audio Review
|
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1833
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 7:21 pm: |
|
Kodibochu:
valla kid ki top ranked college lo seat vachindi, first 2 years no issues ani cheppadu. 2 years bandi nadipinchadu, now difficulty ya, how many ppl have 200k saved tell me |
Kodibochu
Pilla Bewarse
Username: Kodibochu
Post Number: 470
Registered: 04-2019
Posted From: 107.15.164.36
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 7:02 pm: |
|
Andhravodu:andariki kudaravu. mortgage etc undi
Nenu cheppedi andarini 200k pay cheyyamani kaadu. Kids ki thakkuva tution fees college lo cherelaa advise cheyyadam, lekapothe cosigner gaa vundi loan ippinchetatlu cheyyadam ..yelaagainaa sare. Student education aaga kunda chudaali. Adi parents responsibility. |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1829
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 6:28 pm: |
|
Kodibochu:Inkaa parents vundedi yenduku
andariki kudaravu. mortgage etc undi, 1 income only ante, you'll usually run into financial difficulties. It's too easy to lose things in a flash here
inka higher interest rate is never advisable. Might as well take from 401k then. 401k ledu, home eq ledu ante, konchem life decisions re-examine cheskovali |
Kodibochu
Pilla Bewarse
Username: Kodibochu
Post Number: 469
Registered: 04-2019
Posted From: 107.15.164.36
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 6:17 pm: |
|
@Goodman,
No matter what your credit score is, you will be approved student loan with one company or other. Only thing is that you need to pay higher interest rate. But, Thats the only option available for you at this time if you dont have enough money in either 401K or home equity.
Good luck.. |
Kodibochu
Pilla Bewarse
Username: Kodibochu
Post Number: 468
Registered: 04-2019
Posted From: 107.15.164.36
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 6:14 pm: |
|
About drop out: Money leka Drop out aa?? Inkaa parents vundedi yenduku ? aa maatram support cheyyakundaa? Kids ki interest lekundaa drop out ayithe adi vere sangathi.
Whatever options I am going to mention here are all followed by me at one point of time.
(1)401K loan: I took 50k(that is the maximum limit allowed by IRS. 50% of the 401k amount or 50K whichever is less)loan and paid for one year. That loan is almost paid off. I think 2 more months vunnatlu vundi. Naa savings lo nunchi 70K pay chesaanu.
(2)I applied through discover student loan and got it approved with high interest rate(about 7%), but refinanced with DCU student loan for 3.65%.
I still have about 80K student loan for daughter's undergraduate fees after paying about 120K .I am planning to take another 50K from the 401K after the first loan is completed(in 2 months), so 30K loan will be left in student loan account and I can mange it comfortably. |
Speaker
Kurra Bewarse
Username: Speaker
Post Number: 4483
Registered: 04-2017
Posted From: 192.197.178.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 2:28 pm: |
|
Goodman:and not so encouraging RE may delay the process hence looking for loans
RE in Andhra at all time low in the recent past..
never sell them now...instead look for better loan options
Naa Maata, Nene Vinanu
|
Andhrawala
Yavvanam Kaatesina Bewarse
Username: Andhrawala
Post Number: 9399
Registered: 03-2004
Posted From: 152.51.56.1
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 2:27 pm: |
|
Goodman brother,
Try to take 401K loan. You can take upto 50K from 401K |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 85
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 12:04 pm: |
|
Musicfan:Med side ante impossible to get time to do jobs,
FAFSA, student loans to manage cheyyandi next two years,
due to this only looking for loans. india lo unna asset okati sale cheddam ani kooda plan chestunna. late avvacchu since just complted elections and not so encouraging RE may delay the process hence looking for loans |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68412
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 11:59 am: |
|
Goodman:
Med side ante impossible to get time to do jobs,
FAFSA, student loans to manage cheyyandi next two years,
Mr Majnu Audio Review
|
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 84
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 11:52 am: |
|
Gudivada04:which major is he taking? Encourage him to do summer jobs in his area, if he is not doing that already. Experience plus some savings. Good luck to you and the kid. Excellent GPA, he should keep it up.
Thanks Gudivada.
He is in Med. side and currently doing internship in same university and the place he is working has not much grants to pay to him and no time for him to do any summer jobs |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 83
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 11:50 am: |
|
Rgb:Did you file FAFSA again? Many universities will give aid with changed financoal status
Otherwise loands are available but you will have to cosign most probably
Yes. he filed FAFSA for this year too |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 82
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 11:49 am: |
|
Ram1:Goodman Loans matter naaku pedda idea ledhu but "ALL THE BEST &GOOD LUCK" to your kidoo
Thanks a lot |
Ram1
Pilla Bewarse
Username: Ram1
Post Number: 530
Registered: 03-2019
Posted From: 77.234.46.220
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 10:20 am: |
|
Goodman Loans matter naaku pedda idea ledhu but "ALL THE BEST &GOOD LUCK" to your kidoo |
Rgb
Pilla Bewarse
Username: Rgb
Post Number: 21
Registered: 04-2015
Posted From: 38.132.122.155
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, June 20, 2019 - 8:03 am: |
|
Did you file FAFSA again? Many universities will give aid with changed financoal status
Otherwise loands are available but you will have to cosign most probably |
Gudivada04
Bewarse Legend
Username: Gudivada04
Post Number: 42780
Registered: 09-2004
Posted From: 184.64.107.209
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 9:09 pm: |
|
Goodman:
which major is he taking? Encourage him to do summer jobs in his area, if he is not doing that already. Experience plus some savings. Good luck to you and the kid. Excellent GPA, he should keep it up. |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 81
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:36 pm: |
|
Musicfan:student loan kallu mooskoni istaru, dont worry. that too if kid is having that kind of GPA and given the school, there is no doubt that you wont get loan..
Please shop around and take decision.. You have time so take time before you sign-up.
Good luck and all the best to your kid, He will wish he will go places.
2 years kallu mooskondi, things will fall in place.
Thanks bro. for giving +ve energy, I will start doing soon |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68406
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:34 pm: |
|
Speaker:I was only saying that..it will be the worst case scenario..if u r not going for any loan route..
There wont be such situation speaker saab, even if parents are not getting loan, student will 1000% get it..
So there is no way that situation arises. I was saying student loan is last option, but its 1000% guaranteed to get it.
Lets not even discuss about it.
Mr Majnu Audio Review
|
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 79
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:34 pm: |
|
Speaker:I was only saying that..it will be the worst case scenario..if u r not going for any loan route..
Anyways..we parents will never let kids drop out coz of Moneyyyyy...think of all the available options n choose the best..
Thank you speaker bedaru |
Speaker
Kurra Bewarse
Username: Speaker
Post Number: 4479
Registered: 04-2017
Posted From: 184.151.127.65
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:27 pm: |
|
Goodman:drop out aa?
I was only saying that..it will be the worst case scenario..if u r not going for any loan route..
Anyways..we parents will never let kids drop out coz of Moneyyyyy...think of all the available options n choose the best..
Naa Maata, Nene Vinanu
|
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1817
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:27 pm: |
|
Goodman:up to 2nd year GPA 3.7+ and one of top university in US and # 1 university in our state
speaker honnoy cheptadu le, take it easy |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68405
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:22 pm: |
|
Goodman:
floating aithe 3.63 antannadu,,
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68404
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:21 pm: |
|
Goodman: but naaku vastunda with 680 around credit score
student loan kallu mooskoni istaru, dont worry. that too if kid is having that kind of GPA and given the school, there is no doubt that you wont get loan..
Please shop around and take decision.. You have time so take time before you sign-up.
Good luck and all the best to your kid, He will wish he will go places.
2 years kallu mooskondi, things will fall in place.
Mr Majnu Audio Review
|
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 78
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:18 pm: |
|
Musicfan:indulo fixed aithe around 5.64, try to see if you can get around 3.5APR..
thats the best and lowest
naku 5.64 kooda ok. but naaku vastunda with 680 around credit score |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68403
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:08 pm: |
|
Goodman:https://www.commonbond.co/
indulo fixed aithe around 5.64, try to see if you can get around 3.5APR..
thats the best and lowest
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68402
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:06 pm: |
|
Andhravodu:
yes what you said is true, trying to list out the options.
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68401
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:05 pm: |
|
Goodman:
Yes, check and shop for lower interest rates. You can signup only when you get lower rate and other benifits
You can also prefer co-singer so that kid wont be at total risk
Mr Majnu Audio Review
|
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 77
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:05 pm: |
|
Speaker:credit/personal loan or drop-out?
drop out aa? brother naaku unnadi oke oka koduku that too up to 2nd year GPA 3.7+ and one of top university in US and # 1 university in our state. alanti student ni drop-out cheyinchala? noway
naa chinnappudu ee dabbulu leke nenu chaduvu manesa. malla aa situation ranivanule. planning to go for loans |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 76
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 8:00 pm: |
|
Musicfan:https://www.commonbond.co/
Which one is better this one or salle mae or chase or any other bank?
or do i need to check with them individually and see which one is better |
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 75
Registered: 02-2017
Posted From: 73.147.135.134
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 7:55 pm: |
|
Thank you all for responses... i will go thru each and will see which option is best |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1815
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 6:39 pm: |
|
Musicfan:
401k loan teeskovachu, but there are some disadvantages
You have to pay within 5 years, otherwise it's a distribution
When you have 401k loan, company match is pretty much gone as payments go to loan fulfilment
If you leave company, must be paid immediately |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68399
Registered: 05-2004
Posted From: 134.244.29.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 6:35 pm: |
|
Gudivada04:
actual gaa 401K kooda oka option to take out
Mr Majnu Audio Review
|
Gudivada04
Bewarse Legend
Username: Gudivada04
Post Number: 42773
Registered: 09-2004
Posted From: 161.141.1.1
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 5:19 pm: |
|
Musicfan:
Canada lo kooda aa facility vundi. If you join army, they will pay for the education but you need to work minimum some number of years. US lo risky, ye picha president gaadu eppudu ekkadiki pamputhado theleedu. Canada lanti chotla ayithe aa option safe. |
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68395
Registered: 05-2004
Posted From: 66.117.193.162
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 4:51 pm: |
|
Goodman:
https://www.commonbond.co/
try this..
not sure what this is, but when we are pursuing Purdue, some one sent this link for us
https://www.npr.org/sections/money/2019/03/29/708152566/episode-903-a-new-way-to -pay-for-college
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68394
Registered: 05-2004
Posted From: 66.117.193.162
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 4:48 pm: |
|
Gudivada04:house vunte Home Equity Line of Credit (HELOC) theesukondi. general ga interest rates thakkuva vuntayi
Ninnane letter vachindi, naa bank nunchi, we can give so much money on your house for your kids college ani..
Mr Majnu Audio Review
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68393
Registered: 05-2004
Posted From: 66.117.193.162
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 4:47 pm: |
|
Speaker:.what do u think is better for him now??
Andhravodu:
Any other means ani,, if he can try to avoid the student loan work out other means its the best antanna,,
drop out can never be option..
Loan is required, but student loan okkate option kaadu gaa, Home equity kavochu, property mortgage kavochu, anything thats better than student loan ani telling ante.
If all doors are closed, student loan is the only way, then there is no option kadaa,,
Student loan any day students gets it.
Mr Majnu Audio Review
|
Gudivada04
Bewarse Legend
Username: Gudivada04
Post Number: 42772
Registered: 09-2004
Posted From: 161.141.1.1
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 3:53 pm: |
|
Goodman:
house vunte Home Equity Line of Credit (HELOC) theesukondi. general ga interest rates thakkuva vuntayi |
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1811
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 3:45 pm: |
|
Musicfan:Ikkada chala mandi asked not to take student loan..
uncle, ee goodman situation lo, he can't pay antunnadu, andukane loan reco'd
in your case, your kid had excellent package in a good school. not worth taking student loans |
Speaker
Kurra Bewarse
Username: Speaker
Post Number: 4476
Registered: 04-2017
Posted From: 192.197.178.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 3:16 pm: |
|
Musicfan:students loans vaddu, they will suck the kid up,, andukane I was hesitant for my kid, we finally ended up not going to school that requires loan.
here in this case, the kid is already in 3rd year..other than student loan...what do u think is better for him now??
credit/personal loan or drop-out?
Naa Maata, Nene Vinanu
|
Musicfan
Bewarse Legend
Username: Musicfan
Post Number: 68392
Registered: 05-2004
Posted From: 66.117.193.162
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 3:13 pm: |
|
Speaker:Ask your son to apply for student loans..if u r unable to provide for him..nothing wrong in it...
students loans vaddu, they will suck the kid up,, andukane I was hesitant for my kid, we finally ended up not going to school that requires loan.
Ikkada chala mandi asked not to take student loan..
Mr Majnu Audio Review
|
Andhravodu
Kurra Bewarse
Username: Andhravodu
Post Number: 1810
Registered: 04-2017
Posted From: 69.62.241.11
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 3:05 pm: |
|
If you have GC/usc, u can apply for sallimae, or any big bank like chase. If on visa, hard to do, might have to take high interest loans like prosper. Not worth it |
Speaker
Kurra Bewarse
Username: Speaker
Post Number: 4475
Registered: 04-2017
Posted From: 192.197.178.2
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 2:59 pm: |
|
Goodman:
Ask your son to apply for student loans..if u r unable to provide for him..nothing wrong in it...
Be happy that u r able to provide atleast for the first 2 years...
tellollu ayithe odilestaaru complete gaa...n kids will study or not study depending on their choices n remain as drop outs after high school...
Dont think too much into it for taking personal/bank/credit loans towards your sons eductaion..they will be more costly than student loans..
Naa Maata, Nene Vinanu
|
Goodman
Pilla Bewarse
Username: Goodman
Post Number: 74
Registered: 02-2017
Posted From: 104.129.194.153
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 19, 2019 - 2:41 pm: |
|
Planning to go for loan for my son undergrad education (ofcourse 3rd year). Bhagavantuni daya valla 2 years pay cheyagaliganu. but ippudu completely messed up financial status.
Someone please suggest how to proceed loans in US as I may have around 680 credit socre only. |
Cine Talk - Reviews, Gossips, Insider Info etc.