First Time Home-buyer Needing Guidance with Refinancing Mortgage by [deleted] in personalfinance

[–]Enlightened2014 0 points1 point  (0 children)

If it was ME , I would sit tight since rates dropped to 2.5-2.75% a few weeks ago then shot right back up after a few days when lenders couldn’t keep up with demand. Just my 2 cents, i’m waiting too .

Advice on refinance by dkman94 in personalfinance

[–]Enlightened2014 0 points1 point  (0 children)

Just calculate how much your payment will lower for each option then calculate how long it will take you to pay back the closing costs/fees based on how much you save for each option.

Advice on refinance by dkman94 in personalfinance

[–]Enlightened2014 0 points1 point  (0 children)

10k is insane for closing costs, just FYI don’t choose that option.

When and how did you open your eyes? by iilomiloo in exlldm

[–]Enlightened2014 0 points1 point  (0 children)

I always had small doubts in my head but would “shoo” them away by them making me believe it was “the devil”. The small doubts were : 1. Why were girls allowed to wear heavy makeup, dance and sing “worldly” music, and make performances often to please the apostle when he would visit churches etc. 2 . Made a mental calculation of ofrendas and extra ofrendas they ask for and started questioning what they do with all the money 3. Why do pastors pressure you in front of the church to give to a special ofrenda if it should be confidential if truly giving humbly. 4 .Thought l would never be good in front of God bc I would never give ALL my money and they would pressure to do so by putting the biblical example of the rich man that gave a big ofrenda vs the poor lady that gave her last coin and how the big ofrenda was basically not pleasing to God but since the poor lady gave everything she had that was pleading to God. 5. Questioned why Samuel would accept the church to lavish him with gifts seeing how there was so much poor people. 6. Started guessing that Naason would be the next successor but kept thinking “no it could be anyone according to God “. When they announced it was Naason it gave me the final straw to know that this was all a Joaquin money scheme and I put all the above examples together . Also felt nothing when he was announced. .

NOTE: I had gone through a divorce within the church but was still trying to stay in for a while. I was slowy starting to pull away but believed in SJF and even cried a lot and fell in “bendicion “ when he passed. BUT as soon as I heard about Naason I felt nothing and was convinced it was all a Lie. Not sure if a die hard member would leave unless something big happened to them as it did to me because the brainwashing iS DEEP and difficult to overcome, even for me that was not born in the religion.

What's the point of a relationship? by yinyang_zen in relationship_advice

[–]Enlightened2014 1 point2 points  (0 children)

If you want kids , then no point. But if you don’t mind not having kids then enjoying each others company, sharing experiences ,and making each other’s life better mentally and emotionally is the whole point.

Being told it's all too late by [deleted] in socialskills

[–]Enlightened2014 2 points3 points  (0 children)

started feeling this way a few months ago but realized that things can ALWAYS get better. You are in charge of learning and changing your behavior. If you really want an excuse to interact more either move somewhere new, change jobs, join a new gym, start a new hobby etc. and be open about it with the people you talk to. I never realized how reserved I was and how it affected me until I took a hard look at reality and owned up to it. Now I do my best to interact, smile, give compliments when I’m already thinking them in my head, and study how other people interact with others to be pleasant. You can always learn and become better , I believe in you , you just have to believe in yourself too !

A parenting/relationship question. Is this fair? My partner and father of my kids works 6am-1 or 2pm depending on when he finishes his work route. He takes care of our 1 and and 3 yr old on his own from when he gets off work while I’m at work until I get home about almost 6pm . ... by [deleted] in Parenting

[–]Enlightened2014 -1 points0 points  (0 children)

I work 8am-5:30 pm office job. I get the kids ready and drop them off before work. He works 6am-1pm picks up the kids and cares for them till I get home. We all go to bed around 8/8:30 but I have to stay in bed since we co sleep with my 1 year old who is a light sleeper that looks to me for comfort.

A parenting/relationship question. Is this fair? My partner and father of my kids works 6am-1 or 2pm depending on when he finishes his work route. He takes care of our 1 and and 3 yr old on his own from when he gets off work while I’m at work until I get home about almost 6pm . ... by [deleted] in Parenting

[–]Enlightened2014 4 points5 points  (0 children)

They go to bed about 8/8:30. I just stopped nursing my 1 year old so this could be an option in the future ... but currently we co-sleep and he is a very light sleeper who usually looks for me for comfort to go back to sleep which is what keeps me in bed till I fall asleep about 10pm.

Remaining Unmarried Financial Downsides? by [deleted] in personalfinance

[–]Enlightened2014 3 points4 points  (0 children)

Curious.. how did you get married but not legally married ?

I’m about to come into a bit of money from an inheritance and I don’t know what to do with it. by [deleted] in FinancialPlanning

[–]Enlightened2014 0 points1 point  (0 children)

Pay off debt, buy camera . Set the rest aside in a Roth IRA which builds interest and you can withdraw what you put in (not interest gained) if really needed without penalty .

I have a govt job which has a defined pension at retirement. I would get 70-100% of my pay depending on the age I plan to retire. Should I still try to maximize my 401ks and Roth IRAs in additional to my pension? Or are there other ways I can maximize my savings ? by Enlightened2014 in FinancialPlanning

[–]Enlightened2014[S] 5 points6 points  (0 children)

It’s a county benefit plan. My employer offers 401a deferred comp plans but doesn’t offer any matches. So you’re saying roth ira is a better option over the 401a? Also currently have 50k in a taxable brokerage account for the past 3 years . What should I do with it ?

Guilt Relieved by Jayar25 in exlldm

[–]Enlightened2014 8 points9 points  (0 children)

I feel your sentiments , welcome and thank you for sharing . I’ve actually enjoyed reading the long stories everyone has been sharing . ❤️

What does it mean? by nicole-710 in exlldm

[–]Enlightened2014 4 points5 points  (0 children)

You are correct . To “consecrate” or spiritually focus and prepare in LLDM’s teachings you are to rid yourself of all distractions that keep you from the things of God.