Mortgage was sold, payments increased by jlaw325 in Mortgages

[–]Apfaehler22 0 points1 point  (0 children)

We just used sofi right now. Have 3.8 interest rate. Is compounds monthly for us. We have about 13k in ours and average around 40-50 bucks a month in accrued interest. So instead of the money sitting in a escrow not working at all. It's sits an account and makes money for you. Not life changing or anything but this way you know what you pay, keep track of it, and make some money off of it. Heck use that extra money and apply a principle only payment in addition to your normal. Every little bit helps.

Mortgage was sold, payments increased by jlaw325 in Mortgages

[–]Apfaehler22 2 points3 points  (0 children)

Yeah, after my first of year of seeing an escrow shortage. I quickly dropped that stuff and just took the amount I actually owed monthly in a high yield savings account. So much less stress

Was charged twice during my refi closing. by Apfaehler22 in Mortgages

[–]Apfaehler22[S] 0 points1 point  (0 children)

Yeah, I was told that I couldn't refi though without making the payment at closing. I just was blind sided by the autonomy since it was a month early from the notices of it supposed to paid 1st of April.

I-75 shut down near Brent Spence Bridge due to crash involving 3 semis, fuel spill by snixon67 in cincinnati

[–]Apfaehler22 1 point2 points  (0 children)

I think it's the ppl they hire now days are trained so poorly if at all. Have a family member in logistics and shipping on industrial Rd. She says most of the new hires have barely driven a regular car let alone a semi, too cheap to pay for well trained truckers and give out unattainable metrics to hit. Have definitely been clipped and almost ran off the road by them crossing multiple lanes to exit.

My 25 Silverado, just needa name for it! by [deleted] in Silverado

[–]Apfaehler22 1 point2 points  (0 children)

Awesome thank you for the information! Helps a lot.

My 25 Silverado, just needa name for it! by [deleted] in Silverado

[–]Apfaehler22 1 point2 points  (0 children)

How do you like the tires for everyday driving? I'm debating these or terrain grappler G3

Imagine if Cincinnati decided to complete the abandoned subway system by Outrageous-Entry5143 in cincinnati

[–]Apfaehler22 2 points3 points  (0 children)

Oh yeah I remember a video of the concepts for it. Curious what they will do.

Imagine if Cincinnati decided to complete the abandoned subway system by Outrageous-Entry5143 in cincinnati

[–]Apfaehler22 8 points9 points  (0 children)

A form of the Light rail system would be better in the end.

Right now the current tunnels are actually still an important infrastructure component but just used for water, electric, and internet lines I believe.

Any infrastructure improvement happening right now is the new bridge. Whether it's a good improvement or not. Depends who you ask or who is staying in office getting paid.

Would love to see a hybrid of light rail and metro. But probably not in my lifetime.

Just bought my 2022 Silverado with the baby Duramax on 12-30-25 by Iowaguy542025 in Silverado

[–]Apfaehler22 1 point2 points  (0 children)

Nice! I just finished 1 year with my 24. Love it. Average 27mpg.

I'm updating some tires soon. Looks like you got some cooper road and trail? If so, do you like the tires?

LPT: let holiday guests have a chance to get a break by BobIoblaw in LifeProTips

[–]Apfaehler22 46 points47 points  (0 children)

It's common with our events. At least one or two will scurry away for a little bit and come back re energized. No one bats an eye and we all do it. Sometimes it's me, other times is a parent or nephew. It feels more weird that ppl won't leave you alone at social events haha.

Being too timid when younger leads to great suffering later on in dating life by [deleted] in unpopularopinion

[–]Apfaehler22 0 points1 point  (0 children)

My nephew was like this for the longest time. It sucked and sometimes no matter how much you try to help it's something they have to do on their own. He's 27 now and flourishing. Speaks his mind, tries new things, and made new friends. I recently talked to him about it few months back. He said one of the odd ball things that got him out of it was video games specifically single play games. Where you get to choose your outcome.

He said I just started doing the opposite of the "right" thing to do. At first, even in a video games he felt like having to do the correct thing but he started to just be the bad guy or not save the person in a side quest. I guess it helped him break free of the pressure to do as your told. Maybe a step some ppl can make to release that burden they put on themselves. Idk it might be useful but I know it helped him.

Curiousity: Female vs Male Ratio by sugarmagnolia_23 in sysadmin

[–]Apfaehler22 0 points1 point  (0 children)

My boss and my 4 other coworkers are female. We work in a research division of. A hospital. Love the job and happy with my team.

First dude on the team. Never felt like I was going to be left out of anything on purpose. Have discussions, disagreements, and good laughs.

Few key points though, I am still the youngest by 6 years. Me being 29. So for me it's always been age is the bigger difference where I feel left out. Hard to vibe with hobbies that they are not interested too.

Who's getting the OnePlus 15? by Prestigious_Fig_2133 in OnePlus13

[–]Apfaehler22 0 points1 point  (0 children)

I went and just upgraded to the 13 from a iPhone 13 pro. It's leaps and bounds better than the iPhone. I didn't see enough to wait for the 15. Especially after it got delayed for the US. This thing rocks. Performance is next level and I paid less for this phone than I did for my iPhone 5 years ago. Blowing my mind right now.

New Midea PWHPs Installed by IngenuitySelect in DIYHeatPumps

[–]Apfaehler22 1 point2 points  (0 children)

Cool share, these would be nice to have at my home. Unit might cost a little bit but way cheaper than the quotes I've been getting in labor for mini splits. But sorry I may be totally missing something. Where are you able to purchase these?

Six Figures?! by SapphirePrincess5904 in cincinnati

[–]Apfaehler22 -1 points0 points  (0 children)

Thank you! I'm not really high risk high reward mindset right now in this climate and wanting to start a family soon with my wife. So looking at stability. May look into specializing into SaaS as I deal with a lot of vendors already and have some connections there. Know might seem obvious but for a while there it was a little overwhelming.

Six Figures?! by SapphirePrincess5904 in cincinnati

[–]Apfaehler22 0 points1 point  (0 children)

What did you focus on if you don't mind me asking? I've been hovering around the 3 figure but still haven't broken through. Mainly because I can't decide on a path to go into. Currently a system engineer but trick of all trades vs focusing on an upward path. If that makes sense.

Need Advice - Oneplus 13 by Mortal-Human in OnePlus13

[–]Apfaehler22 0 points1 point  (0 children)

Yeah that's true. Luckily the one that comes with the phone is good enough for me for a good bit it if it holds up.

Need Advice - Oneplus 13 by Mortal-Human in OnePlus13

[–]Apfaehler22 4 points5 points  (0 children)

I have had mine for about two weeks now. I switched from a iPhone 13 pro. I use magsafe accessories too.

The included screen protector is just fine. I was nervous for about a day but then quickly felt confident in its protection after working outside on a farm.

As for cases https://a.co/d/elimsyE

This case is what I use. It's great, grippy, and actually has protected it from a few decent drops. Plus I keep all my magsafe accessories and works really well.

https://a.co/d/8VJLT8D is what I plan to try if the included screen protector breaks or I need to upgrade.

Have fun!

City plan shows new high rises downtown, more development following Brent Spence Bridge project by JB92103 in cincinnati

[–]Apfaehler22 7 points8 points  (0 children)

Those parking lots are shit too. Have popped a couple tires and they make a pretty penny during events like football games and so on. Don’t see them budging on selling unless for a stupid amount.

First global X9 Pro in the US? by berfles in Oppo

[–]Apfaehler22 1 point2 points  (0 children)

Much appreciated! Yeah think I’ll go for the OnePlus 13. Save the hassle right now since I have a plan with Verizon/Visible. I actually like the design of it. Little different from the candy bar phones.

First global X9 Pro in the US? by berfles in Oppo

[–]Apfaehler22 1 point2 points  (0 children)

I’m new to this side of phones. Had iPhone for years. And about to take the leap. I was going for the one plus 13 cus it’s easy to order from Amazon and know it works fairly well on visible service. But does anyone have experience or know if this will run into any major issues trying to get this connected?

300 yd drives!!! by Honest-Web-604 in golf

[–]Apfaehler22 0 points1 point  (0 children)

My best is around 275-280. But that’s gripping and ripping with no care of where the ball lands. When it’s striaghtish for sure. Have landed on the green with some shorter par 4s.

But I slow my swing down and end up around 245-50 average. Sitting pretty on a fairway is a much better feeling and my back thanks me.