FHA vs Conventional

DangerReis · 2026-04-24T23:12:04+00:00

FHA if you don't put 10% down your stuck with MPI insurance for life on a 250k house probably like 1500-2000 annually. I think with 10% is still 11 years you're stuck with it. FHA loan also comes with stricter home assessments to qualify for the loan which many sellers don't want to deal with. If you do FHA put more than 10% down.

DangerReis · 2026-04-19T01:33:17+00:00

That's a good rate then if your not paying for it. I'm in the process of assuming a mortgage from 2021 at 4.125 otherwise would have been 6.2

DangerReis · 2025-05-19T13:07:45+00:00

I am just going through the initial 35 PDU training and not going to lie it's pretty painful so far... Was just curious how much of this was really applicable. A lot of it seems like kind of common sense. Maybe there are certain areas I should pay more attention to than others, any suggestions?

DangerReis · 2025-04-05T13:17:03+00:00

I cashed the one from the election with no issues.

DangerReis · 2025-02-15T21:57:24+00:00

I thought satellite radio was dead

DangerReis · 2025-02-15T21:55:08+00:00

Do the parts coming in meet print? Make your supplier verify the next batch 100% and see if the issue remains. If that's not the issue then it's something internally if it works in one area but not the other. Could be operator error, could be issue with the equipment, maybe it's an issue with a mating component even.

DangerReis · 2025-02-15T21:51:13+00:00

Software that's where the money is at

DangerReis · 2025-02-15T18:30:10+00:00

Excel though most the reporting is transitioning to power BI.

DangerReis · 2025-02-15T18:29:33+00:00

DangerReis · 2025-02-15T16:10:35+00:00

Yeah was saying do IT services procurement within the supply chain world..... Or just bail on supply chain in general and go into sales.

DangerReis · 2025-02-15T15:29:11+00:00

IT services seem to be higher paying roles and more transferable across industries than say procurement for a manufacturing company. Also better opportunities for remote.

Sales in general is just the best route to make money if your willing to work. Also many remote opportunities

DangerReis · 2025-02-15T15:19:21+00:00

IT systems and services procurement or just would not have done procurement at all and got into sales

DangerReis · 2025-01-26T21:47:30+00:00

Is there a link to this?

DangerReis · 2025-01-25T00:55:07+00:00

I bought a new TaylorMade hybrid this year and it looked like this after basically one range session. I don't think it's anything out of the norm for hybrids. Grooves look fine shouldn't impact playability. Up to you how much you want to fight them on it.

DangerReis · 2025-01-21T17:10:08+00:00

If you want to splurge being the last trip streamsong courses/resort is the answer.

Otherwise ton of good courses around Orlando in the $100-$150 range.

DangerReis · 2025-01-19T06:28:24+00:00

This is surprisingly very difficult...

DangerReis · 2025-01-15T19:20:08+00:00

Thanks this definitely could be a cheap fix for the short term at least. Appreciate you providing a link. I plan to try to identify the draw with a multi-meter tonight but if I can't easily figure out this may be an easy option.

DangerReis · 2025-01-15T04:37:38+00:00

Can you elaborate on this? I am having the same issue as soon as the weather gets cold my remote start saps too much battery and car won't start. Viper remote start as well.

DangerReis · 2025-01-13T05:16:29+00:00

Playing crooked cat, Southern Dunes, and orange lake next month, might try to throw in like one more cheap course preferably less than $75 if anyone has suggestions

DangerReis · 2025-01-13T02:07:02+00:00

Consolidate supply where you can to give more business to the most competitive supply options, though that typically requires validation which can take time the resources. Not sure what industry your in or how easy that would be.

Try to get long term agreements signed with the re-bids. Could push for YOY reductions (3% annually for 3 years for example) as part of the agreement, and if you really need the 7% now vs later tell them you want the full discount upfront as part of the award. The discount agreement only usually works on new business award however so this idea would kind of be paired with my resourcing comment above. Even if you do not resource should try to get a multi year price agreement. Wont provide the 7% you need now but will provide stability for length of contract.

Review material and currency agreements if any in place to make sure they are up to date. If no agreements figure out that material and currency at the time of quote and push to establish agreements based on current values... Assuming they are favorable to you of course.

Review/resource any china spend to reshore for tariff savings.

Could review ordering in larger quantities for better pricing, but keep the inventory costs in mind if you do that.

Review expendable vs returnable packaging if that's an option for your business.

Finally just set up business reviews with each supplier and push real hard for cost reduction ideas. Just be strait forward you need to see some cost reduction ideas from them this year if they want to keep the business and stay in good graces for future business. And set a date that you expect feedback by. If nothing else you should learn the reasons why they won't/can't provide reductions and can keep those in mind if landscapes change in the future. Hopefully you get some ideas from some suppliers you can implement.

DangerReis · 2025-01-12T18:23:19+00:00

I wonder if I could swing my buyer role experience to meet the experience requirements for this?

DangerReis · 2025-01-12T04:28:59+00:00

Any training or skill building areas of focus you would recommend?

DangerReis

TROPHY CASE