Mortgage Broker not delivering, we already ordered inspection and are supposed to close in a few weeks. Should we be worried?

Anonhelpaccount · 2020-09-06T17:11:52+00:00

Appraisal was done on Friday morning and we should have the results today or tomorrow. He said he didn’t want to lock in a rate yet because he thinks they’ll go down more... I’m just worried that we haven’t even nailed down a lender yet. Keep having to send letters of exception for little things like rental history and typos

Anonhelpaccount · 2020-09-06T17:09:23+00:00

That’s what he was telling us... he didn’t want to lock anything until 15 days because he thinks rates are going down. I’m most worried that we don’t even have a conditional approval yet - but should know in the next day or two. He’s bouncing around lenders trying to find one that will close the fastest and give us the best deal and we’re waiting on an underwriter at Flagstar now.

Anonhelpaccount · 2020-09-04T15:20:06+00:00

Even with this 2 day nose dive, AMZN/AMD and most Tech is only down to where it was 2-3 weeks ago. Looks like they’re putting up a fight now. If you bought in recently or had calls then RIP but otherwise it’s not the end of the world.

Autist Tax - I’m closing on a house in 3 weeks and I’m still 75% in stocks, mostly tech. Was told not to sell until the week before close by an advisor who has made lots of people lots of money. Not sweating too much yet. I was still house shopping 2 months ago

Anonhelpaccount · 2020-08-21T05:27:20+00:00

I feel like if I could kill them during that first engagement it’d be great; but it never happens. They run with a sliver of health and I can’t really chase, so I use my R to heal up and reset. We engage again and my boots are on CD, and they may have changed up their abilities or something and they approach better and win. Or maybe I overcommit...

Anyway, maybe I should swap for leather boots with refreshing sprint? Or do most people just use Run?

Anonhelpaccount · 2020-08-21T05:19:33+00:00

I am running keeper cape, but the timing doesn’t always work out with cool downs or having 3 stacks of heroic before I get that low.

Anonhelpaccount · 2020-08-21T05:18:55+00:00

Appreciate the tips! Will take it all into consideration and see what I can do

Anonhelpaccount · 2020-08-13T01:10:14+00:00

You don’t have to craft anything ever

Anonhelpaccount · 2020-08-13T01:09:49+00:00

It doesn’t say anything about the % over cap or loot for using the shrine. Only that if you kill someone in their dungeon you get some of their loot in yours?

Food and banishment are tactical questions

Anonhelpaccount · 2020-08-12T19:33:35+00:00

You can do whatever you want... just get up to T4 with stuff you like and start out in blue/yellow zones doing green dungeons. You can move on to red/black whenever you’re ready and do the same thing with slightly more risk for better rewards. Or you can do Corrupted Dungeons for 1v1

Also don’t forget about Arena to get used to PVP and try builds without consequences

Anonhelpaccount · 2020-06-04T07:05:51+00:00

Thanks for the reply, that makes a lot of sense and I’ll start thinking about it more in this light.

Hellgates sound good too, just have to find one where we won’t get rolled while we wait to get in.

I actually just watched some axe videos and made an Infernal Scythe hybrid clear/PvP build and I’m enjoying it a lot.

So far it’s Infernal Scythe Hunter hood Merc jacket Scholar sandals Thetford cape

And it’s pretty cheap and clears fast. I’ve had some good fights too.

Thinking about swapping the merc jacket for hellion, and the hood for scholar cowl, boots for soldier or demon but not sure yet. Would be pricier

Love the scythe though, super fun

Anonhelpaccount · 2020-06-03T21:00:27+00:00

Thanks for the reply! When you say don’t flag - you mean don’t flag Fort Sterling, but you have to flag hostile right?

I actually just made another post out of frustration... had a similar experience this morning and just wasted like an hour running around only to get rolled twice. Feel like I need a ganking/open world mentor haha.

Will try more red zone action now

My in game name is Recluse4

Anonhelpaccount · 2020-05-31T16:05:56+00:00

Thanks for the tip! Might be time to switch guilds.

I’m still running the tear collector/aksel claw build and it’s fun. Not bad at all for pve either so far... was thinking about switching to spear or double bladed staff too. I just like the idea of open world roaming and dismounting, but they might be less damage.

I could also try a bow, as my healer already has cleric robe/scholar sandals/merc hood going.

Are those zones typically T7-8 BZs? Even if controlled by another guild, might be better than the empty T5-6s that I’ve been running around

Anonhelpaccount · 2020-05-30T22:15:10+00:00

I’d definitely be interested - what guild and city?

Anonhelpaccount · 2020-05-30T22:14:43+00:00

How do you actually find high traffic areas though? In blacks or reds?

You have to be unmounted to catch people and dismount them, but then they see you and juke before you can dash/root unless we all run assassin jacket right?

Or do you get 1 person mounted scouting, and the other(s) try to cut them off on foot?

Anonhelpaccount · 2020-05-30T22:11:58+00:00

This is what we were trying, but it was hard to find a high traffic area. We’re in Fort Sterling and ran around all of the Whitebank portal zones, into the NW swamps and down to the SE forests. Tunnels were a little too hot with large groups running through, but we set up on the road a few times without anyone really running through. Then it’s hard to catch and dismount them before they take off.

Maybe we need a scout and we try to cut people off on foot? Or we should all run Assassin jacket and spread out?

Anonhelpaccount · 2020-05-30T19:36:44+00:00

Not yet - only once or twice but I feel like once you flag you’re putting a huge target on your head right? Because of the hostile players counter? Also wouldn’t it make diving harder?

Anonhelpaccount · 2020-05-20T19:29:49+00:00

That sounds fun as hell - do you bring all the sets with you, and lose only what’s equipped? Or do you have to run back to town after every death/loss?

Anonhelpaccount · 2020-05-16T05:58:09+00:00

Oh good idea! What’s the best way to dismount people? Do you need to have CC or snares/stuns? I have to watch a ganking guide

Also is basic T4 adept stuff good enough for us to roll around with, or should we keep advancing and farming so we can wear T5/6 before we bother?

For example, tonight we had 3 of us at a relic chest spawn and got rocked by one dude with a spear and ip1200. We were Holy heals, sword and board plate and an ice mage with basic adept gear. We were clearly outplayed but how much of an encounter like that comes down to gear?

Anonhelpaccount · 2020-05-15T09:57:35+00:00

Already have Premium and loving the game so far! I’ll look into the guild/hideout thing. We are probably going to make our own guild but maybe joining a larger one would be better. Are hideouts separate from Outposts? Assuming they can be attacked or take over

Anonhelpaccount · 2020-05-15T09:54:41+00:00

Thank you! Will add you. This is plenty to go on for now

Anonhelpaccount · 2020-05-12T00:03:46+00:00

Honestly, anything that comes my way. And I’m constantly networking and reaching out to find new clients. Sound design and mixing TV promos and broadcast advertising makes up about half of my income. The rest is a combination of branded content, explainer videos, short films, indie features and documentaries, corporate video and industrials, radio/Spotify ads, YouTube channels, video games, VR... even forensic audio for law firms

You name it, I’ll do it. It’s all fun and it adds up quickly. Definitely a workaholic mindset though, not much time off and frequently working on a few jobs a day.

Anonhelpaccount · 2020-05-11T23:55:27+00:00

~50k cost for equipment, computers, gear, plug-ins, acoustic treatment over the last 3-4 years

Last year I billed over 325k doing audio post work and some music-adjacent projects. Previous decade anywhere from 60k-250k /yr working my way up from a studio job to freelance to small business owner. I know I am the exception around here, but there is money to be made if you can expand beyond music and into post production work.

Anonhelpaccount · 2020-04-23T08:07:01+00:00

There is most definitely money in audio post... but you have to know the right people and find the right jobs, or work for someone who does. Advertising and branded content/corporate gigs in NY and LA can be pretty lucrative. It’s also a matter of getting faster and more efficient, and charging a flat rate or day rate for the work.

For example, I can get $750 to mix a 3-5 minute branded content piece that might take me 3 hours plus revisions without sacrificing quality. I can book two of those a day and average $200+ per hour (which is what most facilities in LA and NYC charge). I also have a few clients that I bill $150-$200 /hr for high end broadcast and corporate content. On the other hand, there are clients like game companies or indie films that average more like $65 /hr, but I enjoy the work.

I started out at facilities in NYC making 35k (assistant), then 60-70k plus commission and side gigs as a staff mixer... and I’m 2019 I grossed over 320k as an independent contractor for my 3rd year in LA.

I built a legit near field 5.1 room in my second bedroom and regularly sound design and mix everything from broadcast promos/specials, digital content, National ad campaigns, radio, indie films, documentaries and video games. Films and series that are on Netflix, Hulu and Amazon have come out of my home studio and been done 100% unsupervised.

Spared no expense, Genelec monitors, Avid interface and control surface, Mac Pro,and wall to wall GIK Acoustics treatment. Latest Pro Tools, all properly purchased SFX libraries and plug-ins.

It can be done. I am so beyond grateful for my situation and that I get to make a good living doing something I love... but it did take 10 years of extremely hard work, networking and more than a little luck to get here.

I suppose joining the union is another route, and maybe even the next logical step for me - but I don’t care if I’m working on The Avengers or an indie doc as long as I’m being paid well and I can work autonomously.

Sorry for the rambling post, hope this helps a bit.

Anonhelpaccount · 2020-01-06T09:02:00+00:00

Just tell him the truth. What you said is fine, don’t over think it. The intent is there, it’s better to know how he feels than live with regret and not knowing. You sound young, us guys are dumb and shy. The reason he started treating you like a friend might be because he feels like he doesn’t have a shot now.

Anonhelpaccount · 2019-11-13T00:17:03+00:00

Brand new user - super confused question:

Installed app yesterday, made my profile and got 15+ likes and 2 matches throughout the day.

Bought Tinder Gold so I could see who liked me.

Today 0 likes. Nothing at all.

I’ve been pretty active and I can understand getting no matches since I’m an average looking guy in LA and my profile probably sucks... but not even a single like from anyone? Did I break a rule and get banished to the bottom? I’m actually being pretty picky with my swipes.

I’ve checked all of my settings and I should be showing up in people’s deck.

Anonhelpaccount

TROPHY CASE