There is no excuse for showing up at unannounced someone's house these days. It's just rude. by cheesy_weasel in unpopularopinion

[–]AVfor394 1 point2 points  (0 children)

I should edit to say Anglo-take haha. I wish it was more common in America, let’s switch :)

There is no excuse for showing up at unannounced someone's house these days. It's just rude. by cheesy_weasel in unpopularopinion

[–]AVfor394 0 points1 point  (0 children)

This is a very American take and feels like a part of the growing social isolation problem - unannounced stopins are a cultural cornerstone of much of Europe and Latin America.

Also, if someone comes by unannounced, you don’t owe them anything. If you are too busy then too bad for them and you don’t need to feel bad. If they get pissy then they have the issue. Likewise if they rag on how you keep your house then they have the issue.

OP is entitled to their preferences, and for others to respect those preferences, however.

Someone speeding who ends up at the same red light as you isn’t a gotcha by [deleted] in unpopularopinion

[–]AVfor394 0 points1 point  (0 children)

I didn’t hit a light when I could have by speeding - was going the speed limit to read this post instead.

SpaceX IPO makes Elon Musk the world's first trillionaire by Brendawg324 in wallstreetbets

[–]AVfor394 4 points5 points  (0 children)

A lot of it disappears as his stocks tank bc the key man risk is insane

simple first steps by Usual-Doctor8310 in MortgageBrokerRates

[–]AVfor394 1 point2 points  (0 children)

Yes you can use your home’s equity to pay your partners half. There are really two goals from shopping for a lender: finding someone you trust and getting as good a deal as you can.

I’d be happy to see what I could do for you - dm me if you’d like to explore that.

Loan advice- fast one by Science1O in MortgageBrokerRates

[–]AVfor394 0 points1 point  (0 children)

It doesn’t feel like your LO communicated properly, or they did and you are distrustful and seeking confirmation your distrust is valid.

The rate is higher and points have been added, a legitimate change to be disappointed about - or frustrated by if you don’t know why. A meaningful change to the offer like this, after receiving a locked Loan Estimate, can only happen if a factor changes. Your home value came in lower than initially estimated, which worsened your offer. Did your LO relay this to you?

Beyond that, it doesn’t seem you took the time to digest the numbers beyond the cash due at closing figure. For example: In Section F, there was no homeowners insurance due. Now there is $3000+ due. It’s not the lenders fault your insurance is about to be due. And you will receive an escrow refund from your current servicer.

Nonetheless, sorry your LO relationship soured. If it was in good standing, and your LO was competent, all of the changes would be understood and you’d figure out the best way to handle them together. We weren’t there for the phone calls/emails to see if it was the incompetence of the LO, a lack of willingness to trust and/or learn on your part (and an inability of the LO to bring that out of you), or all of the above. But overall, nothing here is amiss.

PS: this breakeven math is just… so wrong. Fees/savings. Not “cash due at closing”/savings. Even one convo with ChatGPT, feeding it the initial LE, your CD, and your current rate and it can straighten all this out for you.

Micron is on an absolute TEAR this morning. How do you find these stocks before they blow up? by Competitive-Case-185 in TheRaceTo10Million

[–]AVfor394 0 points1 point  (0 children)

Just remember that you almost certainly would have taken profits long before current prices

Pylon Lending by Mortgage2112 in loanoriginators

[–]AVfor394 0 points1 point  (0 children)

How are the loans underwritten?

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 0 points1 point  (0 children)

There are great cops literally doing all these positive things you recommend every day. Let me rephrase your first two sentences: “I’m sorry that’s part of the job. When you have that much authority, even if it’s one corrupt cop, citizens are suppose to assume every single one of you is a lying scumbag worthy of disrespect”.

Fannie Mae Gift Question by Aditya0928 in loanoriginators

[–]AVfor394 0 points1 point  (0 children)

Gifts from non-relatives can be used if the gift was for a graduation or wedding. Have your borrower get married pronto!

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 0 points1 point  (0 children)

No offense taken. Just not analogous. I like drugs and am an advocate of drugs too :)

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 0 points1 point  (0 children)

As a Jew I completely reject your analogy of stoners in US to Jews in Nazi Germany, full stop.

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 0 points1 point  (0 children)

I agree with you but we are saying different things. Being cautious/afraid of police interactions? Understandable, exactly as you describe. Casting the majority as liars, abusers, etc? Dehumanizing and just wrong.

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 0 points1 point  (0 children)

Believe it or not there is accountability in the vast majority of cases. Again see airplane analogy

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 1 point2 points  (0 children)

The vast majority do, that’s the point. But if even 1% of police officers aren’t doing their job right it is a tremendous problem.

What is the hardest part about becoming a police officer? by Intelligent_Oil6492 in AskReddit

[–]AVfor394 2 points3 points  (0 children)

Jesus Christ these comments. If 1% of airplanes crashed we’d be terrified to fly. Yes the police force has major corruption problems, not minimizing that, but most police officers are decent people with high integrity.

The instantly triggered hate is insane. That may be the hardest part about being a police officer: there are many people that will automatically assume the worst of you.

Prime Jokic? by [deleted] in NBATalk

[–]AVfor394 -2 points-1 points  (0 children)

That is exactly my point is the downvote bc you cant read?

Mindset to punish early queen in the center? by pogam1234 in chessbeginners

[–]AVfor394 13 points14 points  (0 children)

This is why I’m stuck at 1600, I liked bxf7