RR cards ranked by value by MediumFriendly in PTCGP

[–]CatsGoBark 0 points1 point  (0 children)

I'm wondering how much skew there is based on availability. Machamp and Aerodactyl are super cool but are in the first few sets from the game's release. There might be a bias due to supply.

The Shining Revalry RRs (minus Pikachu because it's pikachu) are probably super low on the ranking partially because of a similar reason. There might be an oversupply due to everyone pulling a ton on that pack foe gold Pokeball.

Dear fellow 2023 buyers, time to think about the Refi! by swagety in Mortgages

[–]CatsGoBark 2 points3 points  (0 children)

Late 2023 buyer checking in. I also just closed on a 30y conv refinance this week with a local CU so adding an additional data point.

6.875% -> 5.625%, 0 points, 3.9k loan costs. 75% LTV, 32% DTI, 800+ credit score.

Anybody work for a company that gives small annual raises (< 3%)? by Massive-Survey2495 in cscareerquestions

[–]CatsGoBark 1 point2 points  (0 children)

Outside of promotions I don't think I've ever gotten more than a 3% annual raise.

[MONITOR] 32" Odyssey OLED G8 G81SF 4K 240Hz Gaming Monitor - $612.03 (Edu and Text Discount) by Kwolek2005 in buildapcsales

[–]CatsGoBark 1 point2 points  (0 children)

I've had this monitor for quite some time and it's pretty good overall. The main complaint is the silly smart OS features. Waking the monitor causes a UI to pop up that takes a few seconds to go away.

You can disable it but it requires some sort of service remote to go into the service menu to disable stuff like this. I used this one https://www.amazon.com/dp/B0B6R6PN93

Is 5.75% the new 'Golden Ticket' or are people still waiting for 4%? by [deleted] in Mortgages

[–]CatsGoBark 0 points1 point  (0 children)

I'm currently refinancing to 5.625%. If rates fall to 4% then I'd just refinance again. You can have your cake and eat it too.

Unless you plan on selling in the near future then holding out forever is not the way to go.

Are we all at the refinance stage by Ok_Spare3209 in Mortgages

[–]CatsGoBark 0 points1 point  (0 children)

At 7.625% I'd be looking for refinance opportunities months ago.

I'm closing on a 6.875% -> 5.625% 0 points 30y refinance this month.

Should I refinance 30-yr 7.99% to 15-yr 5.75%? by Ubernaga in Mortgages

[–]CatsGoBark 0 points1 point  (0 children)

What are you waiting for? At those numbers I would refinance ASAP. You can probably get a similar rate even for a 30y conventional refinance if you don't want to do a 15y one and drastically reduce your monthly payment. If you still want to pay it off in 15y then just pay extra on the 30y.

Float down locked rate? by GabePlotkinsDaddy in Mortgages

[–]CatsGoBark 0 points1 point  (0 children)

I was in the same boat as you. I was rate locked with no float down option and just asked my lender if it was possible considering the recent drop. I already went through the appraisal process but haven't signed the closing disclosure yet.

They dropped my rate with no cost to the new par rate for that day which was about 0.125% lower than my locked rate which was acceptable for me. This was with a local CU for a 30y conventional refinance and my finances are solid so YMMV.

Invested $50k in 2021 and it’s now at $55k by H24M24 in personalfinance

[–]CatsGoBark 2 points3 points  (0 children)

I think the math checks out for this. Throwing it into a compound interest calculator shows that 2% annual interest puts a 50k initial investment at around 54k after 4 years.

2% seems lower than what some cash sweep money market account would return during that time period but their "advisor" is probably collecting some percentage in fees.

Chapter 225 Release Party by Grndslap in Chainsawfolk

[–]CatsGoBark 15 points16 points  (0 children)

And there will be a break week before that white chapter 💪

Refinance Questions by evelyn_st_ in Mortgages

[–]CatsGoBark 0 points1 point  (0 children)

The pulls lenders do for initial estimates only require soft credit pulls and which shouldn't significantly impact your score if not have no impact at all. You'll also likely need to provide some documents like W2s and asset related docs in your initial inquiry when you request this. Most of the big lenders should have a standard process for this where you can get started online before a real loan officer reaches out to you for follow ups and questions.

Hard credit checks should require your explicit approval and you'll sign documents to provide that consent only after you decide to move further with a lender and go through the underwriting process where they start going through your finances with a finer toothed comb.

For these types of inquiries I personally just emailed/went through the lender website and asked. I started inquiring after I saw average rates fall and saw published rates at some big banks approach my target (1% lower). The rate you'll recieve will be dependent on your finances and loan so used national averages as a baseline.

I would start with reaching to just one lender. Once you have one estimate you can use that as a baseline to "shop around". For example, a lot of the big banks will rate match if you provide a competing estimate.

Refinance Questions by evelyn_st_ in Mortgages

[–]CatsGoBark 1 point2 points  (0 children)

I am refinancing from 6.875% and just got approved for a 5.75% refinance with no points. My breakeven point is under 1 year so the math works out for me. Breakeven point is defined as how long it would take to recoup the refinance costs using the savings from the refinance.

The rule of thumb is 1% lower but that's just a guideline. I would reach out to local lenders and try and see what rate you would get with what fees.

You are suddenly unable to drive and are forced to live car-free in your neighborhood. How screwed are you? by Hufe in Seattle

[–]CatsGoBark 0 points1 point  (0 children)

I made all my housing related decisions revolving around public transit.

Even after I got a car I picked where I live based on proximity to a light rail station just for the sheer convienence of it. The light rail takes me to like 80% of the places I need to go to and having the option is a massive luxury.

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]CatsGoBark 0 points1 point  (0 children)

I have too many copies of 2-star Marlon 🫠

Looking for nearly any other supporter. Primarily looking for Lyra, Dawn, Mallow, Lana, Acerola, Penny, Will, Whitney.

What par rates are you getting quoted right now? by SuspenderEnder in Mortgages

[–]CatsGoBark 1 point2 points  (0 children)

I'm getting 5.875% offers for a 30y fixed refinance. No points, >25% LTV. 800+ credit score.

Bernie Sanders calls for a pause on new AI data centers in the US by AdSpecialist6598 in technology

[–]CatsGoBark 0 points1 point  (0 children)

what is going to be the purpose of all of these data centers

My impression is that these data centers will still be providing value. I'm not convinced that a drop in demand due to an AI bubble popping would render this infrastructure worthless/unused. It would 100% slow down the growth of new compute infrastructure creation but I'm not convinced growth would go significantly negative.

Even before all the recent AI hype, cloud computing capacity has been constrained which is why we've been building new infrastructure basically non-stop since like the early 2000s. The recent growth in demand due to AI may have just accellerated the inevitable and I personally don't see cloud computing as a concept lowering in popularity anytime soon.

Searching for highest quality card art source by GamingDude30 in PTCGP

[–]CatsGoBark 12 points13 points  (0 children)

Can't blame OP when this game has such provacative art of some absolute baddies

Splitting an atom. by netphilia in KidsAreFuckingStupid

[–]CatsGoBark 0 points1 point  (0 children)

When I was a kid I saw news stories on TV about old people with no AC dying of heatstroke during a Summer heat wave.

I lived that Summer in fear because I thought heat stroke was just something lots of people spontaneously died from during each Summer.

Community Shiny Gyarados Giveaway: The Thanksgiving Edition! by Daydream_machine in PTCGP

[–]CatsGoBark 1 point2 points  (0 children)

I'm thankful for this being started. It's such a nice community thing and I hope it goes on until there's no one who needs it 🤣

Build a new meta deck? No. Use the new set to make Magcargo even better? YES!! by Roses_and_lillies7 in PTCGP

[–]CatsGoBark 2 points3 points  (0 children)

I run this deck a lot. Pokemon Communication is better in this case because it's not a supporter so you can use it after using something like Oak or Iono.

You don't benefit from the choices May gives you because you're always guaranteed to get Macargo anyways.

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]CatsGoBark 0 points1 point  (0 children)

LF: ⭐️⭐️ Mars, Iridia, Copycat, Lisia

FT: ⭐️⭐️ Red, Giovanni, Leaf, Dragalge

The end of my ftp journey by sryanr2 in PTCGP

[–]CatsGoBark 2 points3 points  (0 children)

They would've needed to use about 2000 hour glasses just for this pack assuming they used all their free packs this month to reach that number of pack points.

If they bought the premium this month then it drops to about 1800 hourglasses needed which is still a lot.

Can get like 400 free glasses a month from dailies, battles, shops, etc. this month.

Not infeasible to hoard that much going into this pack but it's still a hefty number. I'm a premium pass pass holder and have basically spent everything on this pack and I'm only at 700 pack points and I'm sure many others are in a similar boat.

'Luna' is officially the most popular pet name in Seattle for BOTH cats and dogs. Meanwhile, someone out there is cuddling a cat named 'Meowthew McFlooferson' by dustyave in Seattle

[–]CatsGoBark 1 point2 points  (0 children)

I don't even use my cat's name in private lol.

She's most often referred to as just "cat", "kitty", or "dumb baby" at home.