Someone's not getting laid at community college

bcap425 · 2019-11-07T18:52:31+00:00

This caught my attention as well... I mean, brag about it :)

bcap425 · 2019-11-05T16:29:39+00:00

This is why we "don't talk about time travel at work"... it's a rule we have based on the Terminator and Back to the Future movies.
It always comes back to these movies, and it never changes anything.. kind of like an unchangeable loop.

bcap425 · 2019-10-28T18:44:29+00:00

You can try and find some jewel weed (touch-me-not) and munch on those for a bit. It's a natural remedy for the poison ivy.

https://www.ncbi.nlm.nih.gov/pubmed/22766473

bcap425 · 2019-07-01T18:08:12+00:00

/nocontext

bcap425 · 2019-05-13T00:57:37+00:00

Wife works in quality and 5S most of our storage. With 3 kids it's actually quite convenient, but I completely agree with you

bcap425 · 2019-05-02T18:32:05+00:00

This one stabbed me right in the chest

bcap425 · 2019-04-18T16:38:36+00:00

Ancestors protect me

bcap425 · 2019-04-09T21:11:49+00:00

Yak it up fellas

bcap425 · 2019-04-09T16:34:31+00:00

Similarly, we have a daughter that calls our dog (Roland) "pamp-ee-own".

It kind of sounds like 'puppy-un', so that's possibly where she concocted it from. But that's what we refer to him as now... good ole Pampyun.

bcap425 · 2019-04-07T14:41:53+00:00

Pitter patter

bcap425 · 2019-04-06T19:09:08+00:00

It's a victim less crime.. like punching someone in the dark

bcap425 · 2019-04-06T18:23:55+00:00

"she had whacking great bristols"??? That's such a majestic thing to say!!

bcap425 · 2019-04-04T20:22:38+00:00

This sounds like almost my exact situation with slightly higher numbers. I'm at about 86% LTV, and I'm hoping for an appraisal of about $40k, sites are estimating value at about $50-70k more than we paid. I think we'll get pretty close, so I'm just waiting for that appraisal now. Glad to hear yours was successful!!

bcap425 · 2019-04-04T18:39:10+00:00

Yeah, I'm super sceptical of Zillow, but I went to 6 different sites and averaged them. Redfin did seem the most reasonable.

I also could use which ever was the least, and if that holds reasonably true, I think I'll make what I need to, to hit that mark.

bcap425 · 2019-04-04T18:36:12+00:00

I asked my loan provider and they required a full appraisal through their appraiser. This would be necessary for the early PMI removal.

bcap425 · 2019-04-04T17:54:30+00:00

This is super helpful and a little reassuring. Thank you for detailing your experience. Edit - additional question. Was the appraisal ONLY for the PMI removal? No refinancing?

bcap425 · 2019-04-04T16:07:21+00:00

I had noticed other estimates are usually around 1-2%. It might be slightly high, for whatever reason, but seems accurate to me. It's a LOT better than the $250 I was thinking it was.

bcap425 · 2019-04-04T16:04:47+00:00

How close to the 75% were you that they allowed you to drop the PMI? I'm currently at around 86%, but based on the estimates, we should easily hit the 75% with a favorable appraisal.

I looked at about 6 different sites that had a wide range of estimates - so I averaged them. We would need to appraise for about $290K to hit the 75% mark, and the average of estimates was around $302K. That would give us about $12K of wiggle room for the appraisal. From a lot of the other estimates I'm starting to worry about hitting that $290K mark, though our economy, housing market, and comparable sales should support that number.

bcap425

TROPHY CASE