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Ominous

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Everything posted by Ominous

  1. I hate all of rural Michigan. I follow several mid Michigan news sites on Facebook just so I never forget how stupid the people living around me are.
  2. Because they need to take their servers offline to...... I'll wait.
  3. They also use 3.5 percent in their example, which in 2020 / 2021 is a pretty terrible rate for a rate and term loan.
  4. Also remember that Fannie and Freddie are risk based in terms of their pricing. They have loan level adjustments based on your LTV and FICO that play into how much you pay, or don't pay, for a rate. So sometimes people will want to put more down to get a lower rate without having to pay as much in points, but I still think it's dumb to put more money down then is needed. The best way to save money is having a FICO over 740, or even 720. Nerd stuff https://singlefamily.fanniemae.com/media/9391/display Cure for insomnia. https://singlefamily.fanniemae.com/media/28871/display
  5. We worh with Charles Schwab and they often recommend people with tens (hundreds) of millions of dollars get mortgages so they can keep as much of their assets invested. Make your money work for you and you won't need to work as hard for it.
  6. It gives you more cash flow options. You can always pay more if you want, or you could invest the lower payment into something that will return much more in gains than you would spend in interest.
  7. I like that a sandwich is a weeks worth of sodium.
  8. One of the people I work with, and see in the office once a week, son tested positive today. I think he's 7? He had strep like symptoms but then stared throwing up. On a positive note they delayed our 2 day a week return to the office until the end of October.
  9. When I decided I wanted to lose weight calories from beer didn't really fit in my daily "budget" so to speak. I'd rather eat calories these days than drink them.
  10. Seek medical assistance. Find a way to stop drinking. I can't really remember the last time I drank alcohol at this point, and I don't miss it.
  11. It rubs the lotion on its skin or else it gets the hose again
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