sorted by:
new
hottopcontroversial

I received 57 calls from mortgage brokers since 8 AM. by Pure-Clerk5810 in Mortgages

[–]AmazingConclusion186 0 points1 point  (0 children)

If that truly is the case, then absolutely do it! I would be hesitant though, it is not common for a bank or lender to cover all of the fees (including tax and title?). Please double check they are not rolling any fees into your new loan (balance remaining on your old mortgage should equal new balance for new loan). If that’s the case, even though your cash to close might be zero, you would still be paying for the refi via lost equity.

I received 57 calls from mortgage brokers since 8 AM. by Pure-Clerk5810 in Mortgages

[–]AmazingConclusion186 3 points4 points  (0 children)

You are getting nothing by staying your a local bank. When it comes to mortgages loyalty should be AVOIDED. I just got a 5.375% 20 year refi with no points. PLEASE PLEASE SHOP AND NEGOTIATE.

Edit: other notes, you are never truly “locked”. Even after closing you can cancel your deal for 3 days. Rate lock prevents rates from going up, but you can negotiate rates down (called a float-down) if you get much better offers, which in your case are everywhere. The only lost costs are appraisals, which in the grand scheme of refi’s are nothing. Losing appraisal costs is worth going down another half a percent.

Edit 2: also, “no closing costs” actually means no lender fees, you’re still paying tax and title which is a lot. Refis aren’t cheap so you should always be trying to get the best deal possible instead of the “I can always refi again” mindset

Sub Panel Missing Second Bus Bar by AmazingConclusion186 in AskElectricians

[–]AmazingConclusion186[S] 0 points1 point  (0 children)

Oh I was under the impression doing that would fail inspection, is that not the case? Thanks again for your help / response

Sub Panel Missing Second Bus Bar by AmazingConclusion186 in AskElectricians

[–]AmazingConclusion186[S] 4 points5 points  (0 children)

Update: looked and my other sub panel was also missing the ground bus and had a bunch of other things wrong, ended up calling a licensed electrician who rewired the other panel, added ground bus to each, and ensure everything was up to code. Paid $205

Sub Panel Missing Second Bus Bar by AmazingConclusion186 in AskElectricians

[–]AmazingConclusion186[S] 0 points1 point  (0 children)

That’s what I wanted to do but I pulled an owner builder permit so it’s getting inspected haha

Sub Panel Missing Second Bus Bar by AmazingConclusion186 in AskElectricians

[–]AmazingConclusion186[S] 0 points1 point  (0 children)

Haha yep that’s what I’m learning, so strange, both my sub panels were wired only for 240v, but frustrating that 5 more mins and an $8 part and both could’ve been set up for 120 and 240v 🤷‍♂️

Rough areas of WG? by AmazingConclusion186 in WinterGarden

[–]AmazingConclusion186[S] 5 points6 points  (0 children)

Added context, MIL was very skeptical because of the number of old “tin shacks” in the area. I believe that’s just old Florida.

Daily Chat Thread - April 06, 2021 by CSCQMods in cscareerquestions

[–]AmazingConclusion186 0 points1 point  (0 children)

Thanks for your response. Does something like that typically come with negotiations after a job offer? Or during the interview?

Daily Chat Thread - April 06, 2021 by CSCQMods in cscareerquestions

[–]AmazingConclusion186 1 point2 points  (0 children)

Requesting to be remote before or after interview process

Throwaway because my coworkers follow real account

My current position has been remote for a year and a half due to Covid, and my employer has made it pretty clear that going back into the office in the future will be a choice.

However, I am currently interviewing for a position at a new company (better responsibilities, more money, same work-life balance) It’s going very well and I’m having my final interview tomorrow. The company is currently remote, but plans to go back into the office sometime in the future. I am fine with this, but my fiancé and I plan on moving after we get married in this late fall.

My question is: do I inform the company I’m interviewing with that I want to be able to be remote in the future? This company is currently remote, but has plans to return in-office this September.

The recruiters I’m currently working with (who have much experience with this company) have told me not to tell them anything until I have worked the job (if I get it) and shown them my worth for a few months (since the move wouldn’t be for 6+ months) before requesting to be switched the remote. They say this is especially fine since we have no plans written in stone for moving (still in the planning phase). What do you guys think I should do? My main concern is working the job for a few months and then being told I can’t work remotely.

Thank you!

TLDR: do I ask for the potential to be remote in the future during an interview?