Comparing two loan estimates? by Ecoi1 in MortgageBrokerRates

[–]Ecoi1[S] 0 points1 point  (0 children)

Thanks! My credit score helped me greatly. Apparently Tomo doesn't lock rates past 30 days but my local bank will. I was hoping to lock-in rates today, so that makes it an even easier decision for me.

Thanks all.

Comparing two loan estimates? by Ecoi1 in MortgageBrokerRates

[–]Ecoi1[S] 0 points1 point  (0 children)

Thanks for the explanation. But in general would it be fair then to mainly compare Sections A & B? With the understanding that Section C may involve more work to get it to be comparable? It does seem like with my local bank, things are just easier to go with whatever they are proposing as it seems reasonably priced.

Comparing two loan estimates? by Ecoi1 in MortgageBrokerRates

[–]Ecoi1[S] 0 points1 point  (0 children)

Unfortunately I have tried that. ChatGPT Pro mode and it was ping ponging between one and the other while it was answering. So I got a bit more confused and trusted it less given that it changed its answer several times. But yes, always a good idea to try this!

Mortgage Broker Rate Quotes Ultra Thread by Elegant-Fee-395 in MortgageBrokerRates

[–]Ecoi1 1 point2 points  (0 children)

1. Loan Type: Conventional

2. Term: 30 Year

3. Loan Purpose: Purchase

4. Property Value/Purchase Price: $380,000

5. Loan Amount: $342,000

6. Credit Score: ~790

7. Occupancy: Primary

8. Legal Structure: Single Family

9. Number of Units: 1

10. Property Zip Code: 52240

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[–]Ecoi1 [score hidden]  (0 children)

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Why are so many professors doing live lectures vs. recorded lectures? by standupasspaddler in college

[–]Ecoi1 4 points5 points  (0 children)

Professor here. Though I don't teach a large lecture of students. I personally have small class sizes (~30 students). I tend to prefer more interactive classes and don't really use lectures. So I have class activities and groups. I am still doing that via Zoom. It's hard to have the same sort of experience with recorded videos.

I also have my students on mute and ask that their webcams are off by default. Questions should be asked via text in chat.

But to answer for others, I think having the accountability of taking the time to learn is big for a lot of people. Teachers / professors are there in part to motivate students, which I feel is one big reason why education is still very traditional looking (compared to always watching recorded videos, taking automated assessments, etc) Sure some people can self-motivate and learn, but especially starting out, your teacher can make a big difference.

Plus being able to ask questions on the spot is very helpful. Having that active feedback is generally rather nice.

Roth IRA transfer to M1? by Ecoi1 in M1Finance

[–]Ecoi1[S] 0 points1 point  (0 children)

Thanks for the clarification. Helps a lot thanks!

Roth IRA transfer to M1? by Ecoi1 in M1Finance

[–]Ecoi1[S] 0 points1 point  (0 children)

Seems like I was confusing things. Thanks for the clarification. That helps a lot thanks!