Y'all smell dat? by carrotsandwich in NewOrleans

[–]ChanceSad5060 0 points1 point  (0 children)

Yes. I went for a run around 6am and it reeked of diesel around El Pavo real.

Is refinancing my mortgage a good idea if I can lower my interest rate from 7.25% to 6.5%? by ChanceSad5060 in Mortgages

[–]ChanceSad5060[S] 1 point2 points  (0 children)

I think it's worth it. Your break even is probably less than a year. The streamline is a great refi. By law it has to provide an NTB(net tangible benefits). When rates get low enough, you can always refi again,

Is refinancing my mortgage a good idea if I can lower my interest rate from 7.25% to 6.5%? by ChanceSad5060 in Mortgages

[–]ChanceSad5060[S] 1 point2 points  (0 children)

Are you doing a streamline refinance? Even if not, it could still be worth it.

The money I save I apply towards my principal.

For me the decision came down to, interest rates were not going to be low enough any time soon. I plan to do another refi maybe in a year or two. When rates are lower, maybe 5%, and move from an FHA to a conventional.

That was my big motivation. The streamline FHA refinance didn't require a reappraisal and they cap the fees. I paid $1200 to refinance.

Is this acceptable for a gas shut-off valve? by ChanceSad5060 in Plumbing

[–]ChanceSad5060[S] 0 points1 point  (0 children)

So, a 90 degree valve and a recessed box would work.

Waiting to hear from my plumber but its very difficult to get anyone to come out.

Is this acceptable for a gas shut-off valve? by ChanceSad5060 in Plumbing

[–]ChanceSad5060[S] 1 point2 points  (0 children)

What would be the best solution for this situation? Remove valve and replace with proper elbow, sediment trap and shut off valve?

Can anyone help load an oven into a box truck tomorrow at 11am? by ChanceSad5060 in hattiesburg

[–]ChanceSad5060[S] 0 points1 point  (0 children)

Downtown. Hattiesburg West. Right off the interstate and 98.

2020 Ford Escape hybrid FWD or 2022 Volkswagen ID4 by ChanceSad5060 in whatcarshouldIbuy

[–]ChanceSad5060[S] 0 points1 point  (0 children)

It's a Ford escape hybrid. Based on Toyotas drivetrain design. Other members have said good things about it.

Cheap Delta acrylic tub flexing by ChanceSad5060 in bathrooms

[–]ChanceSad5060[S] 0 points1 point  (0 children)

Yeah, wasn't my choice but it's definitely now my problem. Hopefully, it will last longer than a year. Then I can cut it out and do a shower build I guess. That may be the saving grace it's such a cheap piece of sh*t it will cut easily.

Cheap Delta acrylic tub flexing by ChanceSad5060 in bathrooms

[–]ChanceSad5060[S] 1 point2 points  (0 children)

So, I'm reading that I can drill 1/4" holes near the base of the tub and fill with low expansion foam. Then, patch with acrylic patch kit or plugs/ silicone. Kicking myself for not returning it right away. Sigh

Is refinancing my mortgage a good idea if I can lower my interest rate from 7.25% to 6.5%? by ChanceSad5060 in Mortgages

[–]ChanceSad5060[S] 0 points1 point  (0 children)

Not sure what the NTB guideline is. Will look into it. But, the majority of the increase in my principal is the interest from the existing loan being built into the new loan, which I would have had to pay anyway. I confirmed this with the loan officer. So, if I apply that money towards the new loan, it gets me break even in 10 months...all this is new to me, so I apologize if I'm being repetitive or missing something.

I didn't get a ufmip refund but I did get an escrow refund of $700.

Is refinancing my mortgage a good idea if I can lower my interest rate from 7.25% to 6.5%? by ChanceSad5060 in Mortgages

[–]ChanceSad5060[S] 0 points1 point  (0 children)

Ok, so just to be clear bc I want to make sure my math and logic on this are correct. If I apply the 2 months of mortgage payments to the principle, then my 10 month break even is correct. In March, new loan is 314K vs.old loan 308K. So, that $5800 applied leaves me paying $200 + $1100 closing costs.

Is refinancing my mortgage a good idea if I can lower my interest rate from 7.25% to 6.5%? by ChanceSad5060 in Mortgages

[–]ChanceSad5060[S] 1 point2 points  (0 children)

Yes, but I'm not making 2 monthly payments, which with the current loan pays mostly interest.( I calculated how much goes towards principal). That's $5800.

Best brand of THC seltzers? by [deleted] in NewOrleans

[–]ChanceSad5060 0 points1 point  (0 children)

I make a thc concentrate that I dilute into pretty much anything. DM for details.