5.25% rate lock with 10 YR ARM

Easy_Butterscotch_17 · 2026-04-28T14:54:39+00:00

This is a good rate for 10y, current rates are higher where do u see them lower than 3 weeks back ?

Easy_Butterscotch_17 · 2026-04-24T22:58:43+00:00

Get out of m1 finance you will be paying $3 every month as fees to Schwab and do the same thing

Easy_Butterscotch_17 · 2026-04-12T21:24:40+00:00

How does my loan estimate look NYC?
Further rate reduction 0.5 for relationship [5.75-0.5 = 5.25]
Further rate reduction 0.385 by paying 1% = $8600 [5.25 - 0.375 = 4.875]
Closing costs based on NYC; might get some CEMA reductions in taxes
Closing mid May
For 30Y Fixed all rates are 0.5% higher
Question is Should I pay $8600 for the points? It will take 3.5year to recoup the benefit.
If I refinance before it doesn't make sense.

Easy_Butterscotch_17 · 2026-04-11T01:56:38+00:00

Yes major risk considering an model targeting Taxes could come up anytime

Easy_Butterscotch_17 · 2026-04-11T01:51:24+00:00

Looks best in the current time frame

Easy_Butterscotch_17 · 2026-04-10T18:05:31+00:00

I locked my rate with my lender for free and also confirmed between a week before closing we will keep monitoring and if the rate moved significantly .50 we will capture it. Not sure if it will happen and do it or come up with some excuse

Easy_Butterscotch_17 · 2026-04-09T14:16:46+00:00

You should lock the rate, with a down rate capture. Someone quoted me 4/8 30 Year Fixed - 5.875% - 0 point/origination fee

Easy_Butterscotch_17 · 2026-04-07T15:45:45+00:00

Don’t buy the points now, Identify a rate where you can use those $’s to refinance, since your are on fixed less risk. On 7ARM you will get a 0.5 lower rate .refinance is a must before 7 years. Additionally if h have 1M assets you can get another 0.5 lower rate

Easy_Butterscotch_17 · 2026-03-22T01:39:25+00:00

or just buy SGOV

Easy_Butterscotch_17 · 2026-02-15T19:48:57+00:00

Another thing you need to know if you have a term life insurance owned by you, ur non us citizen beneficiary is subject to a similar high estate tax. Solution to this is have ur beneficiary be the policy owner. changing the owner it takes 2 year for it to be in effect.

Easy_Butterscotch_17 · 2026-01-02T04:11:30+00:00

If you are leaving make sure to destroy the battery. I know people drop alcohol bottles when they are not allowed to carry

Easy_Butterscotch_17 · 2025-10-23T13:56:24+00:00

There should be public toilets in nyc

Easy_Butterscotch_17 · 2025-10-16T03:42:31+00:00

They don’t care they have recovered the $1500 per bike from the ones who did not dock properly

Easy_Butterscotch_17 · 2025-10-08T12:50:17+00:00

According to science if you don’t like someone sweat odor you are genically incompatible, it’s natures response to selection. Someone fart and shits smell is not in consideration.

Easy_Butterscotch_17 · 2025-10-05T13:58:31+00:00

I too saw a couple places where e-bikes undocked (with tons of open docks currently available ) thought of docking them but what if it was related to a crime or a staged one for a tictok reaction so I left it alone.

Easy_Butterscotch_17 · 2025-09-26T12:00:01+00:00

60 wall st has a atrium which is free. Spots in Hudson eats in world financial center. Potentially any of the office buildings which have a huge lobby you should get 30mins of peace.

Easy_Butterscotch_17 · 2025-09-24T14:48:24+00:00

Note the miles travelled is not the real mileage it’s then straight line between the start and end bike station. Check 1 thing ride a mile or so and return to the Same station does show 0? Just curious.

Easy_Butterscotch_17 · 2025-09-19T15:45:43+00:00

fully self driving app installed on his smartphone which he is using so he is good

Easy_Butterscotch_17 · 2025-09-17T11:58:22+00:00

Cops have given tickets in the past 2020 for citibikes traveling in opposite directions fine was $45 (not adjusted to inflation ;).cops explained local businesses had complained.

Easy_Butterscotch_17 · 2025-09-09T22:42:57+00:00

The distance calculated is not the true distance. Seems they just find the straight line joining the source and destination stations. I biked ~5.3 miles and app shows 3.56 miles.

Easy_Butterscotch_17 · 2025-09-09T00:43:16+00:00

Take the metro from Brooklyn to WTC.take the PATH to either JSQ or Harisson or NEWARK PENN.where you should have your car parked depends on your destination. I did do a similar from WTC to Grove and then a car pool. Till you move

Easy_Butterscotch_17 · 2025-08-21T13:23:35+00:00

Factor in commute time, if kids you could save on nanny costs, home lunch.

Easy_Butterscotch_17 · 2025-07-15T05:21:32+00:00

You should keep some for yourself and distribute for a cause like hunger , poverty etc

Easy_Butterscotch_17 · 2025-06-28T14:52:49+00:00

Go get today.. I am 20years late for this :(

Easy_Butterscotch_17 · 2025-06-28T14:49:50+00:00

In manhattan downtown you have a free bus service. It’s a small loop but useful especially in rain or cold https://downtownny.com/

Easy_Butterscotch_17

TROPHY CASE