ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
edited August 2021
my mortgage had PMI but they scheduled it for the full term of the loan, so i paid a lot less per month and still got to refinance it away after four years, mostly due to my house's value going through the roof pun maybe intended
Chanus on
Allegedly a voice of reason.
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amateurhourOne day I'll be professionalhourThe woods somewhere in TennesseeRegistered Userregular
Ah ok the 100k price difference was between two units, not a change to the unit price, so that is good
I can totally see myself living at the place I just toured, which is dangerous. But I’m actually not 100% sure I can make the down payment so it might be irrelevant
Now I have to tell myself it is unlikely that this is the best house I will ever see so I need to not like try to impulse buy it or be sad if someone else buys it or if I can’t afford it atm, etc
Difficult!
you can do an FHA loan for as little as 3% down, it just tacks on private mortgage insurance
but you can refinance out of the PMI once you have 20% equity, and the way the market is going (or if you overpay every month), that probably won't take long
huh my other friend is telling me you basically need to have 20% down and nothing else is good
He bought recently but in the suburbs, and with like a whole staff of people helping him and his dad doing paperwork and stuff so who knows
you definitely don't need 20%, that's just the traditional target amount
you probably get a better interest rate if you do though
a lot of people think a 0.5% better rate over 30 years is worth blowing your life savings right now, but i tend to disagree even if it does save you money long term
Agreed.
Although I have to remind everyone whenever I post about money or real estate that I sank my life savings into a farm in what is possibly the last state that will have legal weed.
are YOU on the beer list?
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
Still stings a little to think that I sold Microsoft stock at $45 to buy that house. It's now $289. Though to be fair when I went full time at MS it was $25 and had been below $30 since the year 2000.
Far Cry 5, solving the problem of the wandering open-world player, who does everything but advance the main story, in the most crude way possible.
Once you do a set amount of activities you will literally be kidnapped to go do a main story mission, someone will call to tell you’re going to be kidnapped, then they’ll show up to kidnap you, NPCs yelling the whole time to each other about how you’re not supposed to die just taken somewhere and to use tranq bullets.
There’s not even an option to go somewhere to do the story, it’s like no don’t worry about it, we know you’re just gonna keep doing outposts, we’re just gonna force you to do the story at some point.
Come to think of it I sold at $184 to get the money for the cannabis farm. And that investment is still in the red. Though looking very promising for later this year once our first outdoor crop comes in.
Attacked by tweeeeeeees!
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BethrynUnhappiness is MandatoryRegistered Userregular
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
"and the morning stars I have seen
and the gengars who are guiding me" -- W.S. Merwin
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
Yeah that is already a diet fad. Can't remember what they call it though.
Attacked by tweeeeeeees!
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
this is basically how i eat
Allegedly a voice of reason.
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amateurhourOne day I'll be professionalhourThe woods somewhere in TennesseeRegistered Userregular
I dunno Eddy if I was a zookeeper I'd probably feed the giant animals that could kill me according to the proper schedule, so that they don't kill me.
are YOU on the beer list?
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
the more useful idea here is to keep people in cages to keep them on their diet
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
the more useful idea here is to keep people in cages to keep them on their diet
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
the more useful idea here is to keep people in cages to keep them on their diet
My new combination bdsm club and weight loss camp
It's solid gold, Jerry!
"and the morning stars I have seen
and the gengars who are guiding me" -- W.S. Merwin
Ah ok the 100k price difference was between two units, not a change to the unit price, so that is good
I can totally see myself living at the place I just toured, which is dangerous. But I’m actually not 100% sure I can make the down payment so it might be irrelevant
Now I have to tell myself it is unlikely that this is the best house I will ever see so I need to not like try to impulse buy it or be sad if someone else buys it or if I can’t afford it atm, etc
Difficult!
you can do an FHA loan for as little as 3% down, it just tacks on private mortgage insurance
but you can refinance out of the PMI once you have 20% equity, and the way the market is going (or if you overpay every month), that probably won't take long
I think the PMI scales to 0 over time as you approach 20% equity? At least, that’s what I was told when I looked into lending options recently.
I made a game! Hotline Maui. Requires mouse and keyboard.
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
Ah ok the 100k price difference was between two units, not a change to the unit price, so that is good
I can totally see myself living at the place I just toured, which is dangerous. But I’m actually not 100% sure I can make the down payment so it might be irrelevant
Now I have to tell myself it is unlikely that this is the best house I will ever see so I need to not like try to impulse buy it or be sad if someone else buys it or if I can’t afford it atm, etc
Difficult!
you can do an FHA loan for as little as 3% down, it just tacks on private mortgage insurance
but you can refinance out of the PMI once you have 20% equity, and the way the market is going (or if you overpay every month), that probably won't take long
I think the PMI scales to 0 over time as you approach 20% equity? At least, that’s what I was told when I looked into lending options recently.
mine never decreased over time
i think there are loans that work that way though
Allegedly a voice of reason.
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thatassemblyguyJanitor of Technical Debt.Registered Userregular
Ah ok the 100k price difference was between two units, not a change to the unit price, so that is good
I can totally see myself living at the place I just toured, which is dangerous. But I’m actually not 100% sure I can make the down payment so it might be irrelevant
Now I have to tell myself it is unlikely that this is the best house I will ever see so I need to not like try to impulse buy it or be sad if someone else buys it or if I can’t afford it atm, etc
Difficult!
you can do an FHA loan for as little as 3% down, it just tacks on private mortgage insurance
but you can refinance out of the PMI once you have 20% equity, and the way the market is going (or if you overpay every month), that probably won't take long
I think the PMI scales to 0 over time as you approach 20% equity? At least, that’s what I was told when I looked into lending options recently.
When I had PMI it was a static insurance premium so even if I was $1 away from 20% equity I’d still be paying the same premium.
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
i mean it is also the case that the mortgage industry is crazy and there are a billion different options and i'm sure none of them are good
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
the more useful idea here is to keep people in cages to keep them on their diet
Free room and board, enrichment activities provided, and a steady stream of visitors saying how majestic I am? Plus the chance of a breeding programme due to the fact I'm endangered?
Sounds great
[Muffled sounds of gorilla violence]
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
i think i'm starting to get the same mindless habit of scrolling hinge that i have for, say, scrolling instagram
the limited number of likes without paying thing i guess will keep that in check
Coworker has Covid. I’m the one who temped her and talked to her for a few minutes about how she was feeling. She was unmasked at the time.
Please based daddy moderna, don’t fail me now
Why did she tell you face to face and not over the phone...?
She didn’t tell me face to face that she had Covid. She told me she was feeling unwell so we talked about it for a little and then she went home early and got a test that came back positive. She called to tell me about the positive result.
In zoos I believe (with zero supporting evidence) that sometimes they don't feed carnivores on schedule, to simulate the irregular schedule in the wild
Now, let's monetize this into a diet
I call it: occasional fasting
You’ll never get anywhere without cynical marketing
This is the CarniFast
I made a game! Hotline Maui. Requires mouse and keyboard.
I know, from this thought exercise, that women generally mean it when they say that they wouldn't smang even if I were the last man on earth
Tbf if I were the last man on earth I'd definitely let myself go, and breathe through my mouth even though I don't need to, just to up the creepazoid factor. Je suis une artiste.
Eddy on
"and the morning stars I have seen
and the gengars who are guiding me" -- W.S. Merwin
Posts
Agreed.
Although I have to remind everyone whenever I post about money or real estate that I sank my life savings into a farm in what is possibly the last state that will have legal weed.
tacos
We had fajitas last night, but even then your suggestion remains compelling
Choose Your Own Chat 1 Choose Your Own Chat 2 Choose Your Own Chat 3
Hm maybe I don't need to eat today
Once you do a set amount of activities you will literally be kidnapped to go do a main story mission, someone will call to tell you’re going to be kidnapped, then they’ll show up to kidnap you, NPCs yelling the whole time to each other about how you’re not supposed to die just taken somewhere and to use tranq bullets.
There’s not even an option to go somewhere to do the story, it’s like no don’t worry about it, we know you’re just gonna keep doing outposts, we’re just gonna force you to do the story at some point.
FC5 was the first Far Cry I was invested in enough to finish. I'm hoping FC6 is also this good.
Presumably isn't vaccinated so probably dumb as hell?
Now, let's monetize this into a diet
I call it: occasional fasting
and the gengars who are guiding me" -- W.S. Merwin
Yeah that is already a diet fad. Can't remember what they call it though.
this is basically how i eat
and the gengars who are guiding me" -- W.S. Merwin
the more useful idea here is to keep people in cages to keep them on their diet
My new combination bdsm club and weight loss camp
It's solid gold, Jerry!
and the gengars who are guiding me" -- W.S. Merwin
I think the PMI scales to 0 over time as you approach 20% equity? At least, that’s what I was told when I looked into lending options recently.
mine never decreased over time
i think there are loans that work that way though
When I had PMI it was a static insurance premium so even if I was $1 away from 20% equity I’d still be paying the same premium.
Free room and board, enrichment activities provided, and a steady stream of visitors saying how majestic I am? Plus the chance of a breeding programme due to the fact I'm endangered?
Sounds great
the limited number of likes without paying thing i guess will keep that in check
She didn’t tell me face to face that she had Covid. She told me she was feeling unwell so we talked about it for a little and then she went home early and got a test that came back positive. She called to tell me about the positive result.
Let my species die in honor
and the gengars who are guiding me" -- W.S. Merwin
You’ll never get anywhere without cynical marketing
This is the CarniFast
Tbf if I were the last man on earth I'd definitely let myself go, and breathe through my mouth even though I don't need to, just to up the creepazoid factor. Je suis une artiste.
and the gengars who are guiding me" -- W.S. Merwin