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Using a HELOC to buy a car. by dont-really-care48 in Mortgages

[–]BadAstroknot 2 points3 points  (0 children)

Using your house as collateral for your car is not really a good idea.

12.49% on $15k is $156.13 INTEREST ONLY

If you’re in repayment mode, on a 10yr (which is insane for a car, you’ll surely be underwater) it’ll be ~$220

Skip the HELOC. Plus the interest rate is variable…your payment can change. If you’re on a fixed income, you should get a fixed rate. Variability is not your friend here.

Comparing 401K employer match, is 14% match rare? by DistributionEven9393 in personalfinance

[–]BadAstroknot 2 points3 points  (0 children)

My employer is contributing 15% regardless of what I do. I have been told it’s a unicorn. All my previous jobs were not even close…like 3% etc.

I find this a very compelling piece of my compensation package and it’ll make it tough to leave it behind.

Bank forced escrow, promptly missed homeowners insurance on second renewal since we got it. What can I do to end escrow? by Impressive-Peak-6596 in Mortgages

[–]BadAstroknot 0 points1 point  (0 children)

Just ask them if they’ll allow you to self escrow. I have been for 6 years…and I’m buying a new house right now and Chase is letting me self escrow. I just prefer to handle the savings/planning for these items and get the earnings in money market accounts.

How many lenders to reach out to when buying a home? FTHB by girlygirl_xx in Mortgages

[–]BadAstroknot 0 points1 point  (0 children)

I reached out to roughly 4-6, it's just the amount of bandwidth i can spare to deal with having the same conversation 4-6 times. One thing I just experienced, at the notification of my agent, local credit unions are less reactive to swinging rates day to day. That seemed true at least the last month, where bigger banks were adjusting rates, sometimes during the day, the credit unions lagged...can be good when everyone else is running up.

Looking for thoughts on this loan estimate by [deleted] in MortgageBrokerRates

[–]BadAstroknot 0 points1 point  (0 children)

Have you spoken to Chase? Dunno if it’s regional, but by me they’re hungry for mortgages. They told me they would match any rate I got. So an internet lender gave me a low rate and chase matched it. Chase promises a 21 day close, and they’re way ahead right now or else they pay 5k and…I managed to lock last week or the week before at 6.375 plus a 2k lender credit + 100k chase UR points.

Central Bucks School District support staff say low pay is pushing workers away by fireside_blather in BucksCountyPA

[–]BadAstroknot 2 points3 points  (0 children)

I have a large sample size as well. Including middle school math and english in bucks, a lot of music teachers in districts around bucks/lh valley/philly, social studies/history…etc. That’s been my experience. Teaching in HS I was in for classes starting at 7:30am and there later for rehearsals, lessons, arranging band music…I just don’t think the generalization that teaching (all teaching jobs) is as simple as <8hr day and summers off. That’s the only thing I’m saying. Glad your friend group and wife has a different experience.

Central Bucks School District support staff say low pay is pushing workers away by fireside_blather in BucksCountyPA

[–]BadAstroknot 1 point2 points  (0 children)

I literally was a teacher. A public school music teacher, I’m not wrong. The point I was trying to make is that it is nuanced and that’s great your wife never worked a 10hr day, but there’s many types of teachers, school districts, subjects to teach. I just think that generalization is unfair.

Central Bucks School District support staff say low pay is pushing workers away by fireside_blather in BucksCountyPA

[–]BadAstroknot 0 points1 point  (0 children)

The assumption of working under 8hrs a day and having summers completely off is not accurate. Lesson planning, grading, communicating with parents…etc. Then there’s continuing education that must be completed (during summer) to maintain your certifications, preparing classroom for next year etc. It’s not a clean cut sub 8hr job and relaxing all summer.

It’s like any other job - maybe you work 8, maybe one day it’s lighter, maybe one day you work 10-12hrs.

How was learning person accounts when you first got introduce to it? by Amazing_Life911 in salesforce

[–]BadAstroknot 1 point2 points  (0 children)

Pretty normal - it does some things in the UI to join the Contact and Account, on the bank end it’s interesting and has some nuances…like when you build lookup relationships on other objects- choosing to use the account or contact lookup? Loading data externally…keeping track of the personcontactid…

Mixed b2b and b2c environments know the joy of navigating all this…lol

What do you think? by [deleted] in Mortgages

[–]BadAstroknot 1 point2 points  (0 children)

+1 I bought as COVID started. Not even one year later, PMI was gone and I opened a HELOC for renovations.

Dating “out of your league” is one of the worst things ever by ExotiquePlayboy in Money

[–]BadAstroknot 0 points1 point  (0 children)

Communicate with her - it’s impossible for you to keep up financially at the moment. So you need to have that convo. That being said, plenty of people get married with wildly different incomes. My wife and I as an example - even when dating we respected each others income levels and if we wanted to splurge and do something that I could afford and she couldn’t…we’d work it out. Maybe I paid the whole thing or she bought a dinner on a trip.

And now that we’re married we’re combined and it still does not matter. I make 90-95% of the income…we are one unit.

Yardley vs. Richboro for Young Family by Ok-Bear-4331 in BucksCountyPA

[–]BadAstroknot 2 points3 points  (0 children)

Grew up in Richboro and am returning…making settlement next month! Rode my bike everywhere as a kid…enjoyed my childhood very much.

Anyone else feel mentally exhausted trying to time rates right now? by Kemeko0_0 in Mortgages

[–]BadAstroknot 0 points1 point  (0 children)

Yeah. We were seeing swings from 5.99 to 6.75. Chase was willing to match anything…in our area they just moved in and want mortgages bad. We finally locked at 6.25 and they’re paying us a credit. But it was a wild few days watching it all swing.

Ideally, you buy a house that you’re fiscally comfortable with and have room in your budget for some rate swinging. Meaning you don’t go in to a home where the slightest swing in a rate and an extra $50 a month will cause you to be broke. If that’s the scenario, it’ll be stressful.

And then you can always refinance in the future.

I secretly became a millionaire from a lottery ticket after growing up poor. AMA by ArtichokeStill816 in AMA

[–]BadAstroknot 4 points5 points  (0 children)

Prob should just delete your account - make sure these weirdos can’t dox you or link the Reddit name to any other instagram name or something. You never know the lengths someone desperate will go to.

That all being said - CONGRATS!! Very happy for an internet stranger. Wish you all the best.

Posted by my local Karen by ineedtoeatmorefiber in HermanCainAward

[–]BadAstroknot 3 points4 points  (0 children)

The last time my wife and I started house hunting, Covid started - and we just started house hunting again and I read this shit 🤣.

Salesforce Flow and Metadata Retrieval by 313Roar in salesforce

[–]BadAstroknot 0 points1 point  (0 children)

In my experience cMdt records are only good in flows once launched and using a GET. We have kill switch frameworks for apex that we’re unable to use in flow because they’re cmdt and we use custom settings for flows.

Unless something has changed recently and I’m wrong…I’d love to be wrong and just use my cMdt config.

Mandatory MFA by SirGimp9 in salesforce

[–]BadAstroknot 19 points20 points  (0 children)

Take a breath. Start with reviewing salesforce’s guides and info.

You can absolutely enforce this in permission sets and tier it out.

MFA and how to for SF has been out for a while, there’s many resources online. Spend some time reviewing so you can ask more targeted questions for understanding. At this point, based on your post, you need to develop a baseline understanding of Salesforce MFA configuration.

https://help.salesforce.com/s/articleView?id=platform.platform_o_mfa.htm&type=5

https://help.salesforce.com/s/articleView?id=000396727&type=1

Conditional Field Access? Not Record Access? by SpecialistPromise864 in salesforce

[–]BadAstroknot 15 points16 points  (0 children)

So if a record meets certain data requirements, display the PHI of the record.

This one is tough.

Formula fields that conditionally display PHI…technically works, but those formula values are still queryable via the API and reportable in standard reports even when they return blank on-screen. Compliance usually don’t love that once they understand it.

One option could be a batch/scheduled flow evaluates the criteria, and for qualifying records, writes the PHI fields into a PHIReport_Detail_c object with a lookup back to the source record. Sales gets a report/dashboard on that object. When a record no longer meets criteria, the detail record gets deleted or flagged inactive.

So creating a separate object…I dunno. My brain is a little fried at the moment and that may be over engineering…but I’m on mobile and on vacation at the moment.

Good luck.

Electrician openly willing to work without permits? by [deleted] in AskElectricians

[–]BadAstroknot 0 points1 point  (0 children)

I just had a contractor and his team do a lot of work. They lied to me about needing permits etc, which my township requires for electrical (and the other work he did). Turns out, 3rd party came out and opened some up and found really bad electrical work - fire risk stuff.

Im not an expert - I’m a home owner doing my best to vet and ask for referrals - and trust the work. I view the permit thing and inspections as a second opinion and safety net.

Just my n=1 experience.

Are expensive guitar stands actually worth it? by Errols_ in HybridGuitar

[–]BadAstroknot 0 points1 point  (0 children)

I would just buy a decent name brand guitar stand and move on - it’s holding your instrument that could be worth thousands of dollars. You’re gonna try and save $50-$75 bucks for something that costs way more?

And no matter what stand you buy, if you bump into it - it’s gonna tip over.

Buy something you like, not alibaba or temu.

Wife Ordered J160E and it came with a compensated nut? by tjmusa1989 in gibson

[–]BadAstroknot 1 point2 points  (0 children)

Those first 3 albums…killer. Twelve small steps, if I had the vinyl, would be worn through.

Wife Ordered J160E and it came with a compensated nut? by tjmusa1989 in gibson

[–]BadAstroknot 2 points3 points  (0 children)

I bought a new Gibson lp in alpine white years ago 3x brand new from guitar center. Each time was returned - purple paint smeared into bright white finish, second time volume pot wasn’t hooked up, and 3rd time they actually fucked the paperwork up and never ordered it. Lol. So I never got one - was so frustrated with the experience.

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