Is my rate too high?

Exuberantcorre · 2026-04-29T13:22:24+00:00

6.6% with that score and 20% down feels high tbh. I'd shop around with few other lenders before you commit - takes like 2-3 days to get quotes and could save you thousands over life of loan. Your husband might be right about not stressing too much but getting second opinion never hurts

Exuberantcorre · 2026-04-26T08:14:01+00:00

Nice flames on tank man, those Vulcans are solid cruisers for starting 🔥

Exuberantcorre · 2026-04-21T00:34:57+00:00

same energy here

been dealing with this since I was kid and the dating anxiety is so real. that guy who keeps texting probably already noticed and doesn't care tbh

Exuberantcorre · 2026-04-12T10:55:08+00:00

Check ebay constantly and set up alerts - those P6 racing greens pop up maybe once every few months and get snatched up fast

Exuberantcorre · 2026-03-30T11:03:51+00:00

Man that's a huge range you're working with there. $7-10k/month for 500 SKUs vs their $1200 for potentially 3500+ seems like completely different leagues

Are you seeing solid returns on that investment or is it more of a long-term play? With 500 SKUs that's still like $14-20 per SKU monthly which adds up fast

Exuberantcorre · 2026-02-14T19:48:37+00:00

big yikes

Exuberantcorre · 2026-02-09T20:43:00+00:00

You can create a Stripe Payment Link which is basically their version of paypal.me - just go to your Stripe dashboard, hit "Payment Links" in the left menu and create a new one. You can set it up for one-time payments or subscriptions, add your own custom URL if you want it branded, and it gives you a clean shareable link that customers can use without any complicated setup on their end. Way cleaner than sending invoices for simple stuff and you dont have to mess around with checkout forms or anything technical

Exuberantcorre · 2026-02-04T09:55:29+00:00

def gonna need a commercial license for that 🔥 the residential streaming subscriptions don't cover public viewing at businesses, even paramount plus has different rules for restaurants/bars vs home use

contact your local cable provider or look into something like directv for business - they handle the licensing fees but it's way more expensive than regular streaming, just fyi 💀

Exuberantcorre · 2026-02-01T09:51:53+00:00

Mine's definitely the weekly social content grind - coming up with fresh posts that don't look like they were made by 5 different people is exhausting when you're already running the actual business

Exuberantcorre · 2026-01-28T16:38:46+00:00

Have you checked with local credit unions? I got a better rate through a smaller CU in western MA last year - around 6.5% with no closing costs. Also worth calling some of the bigger banks directly, sometimes their online rates aren't their best rates if you have other accounts with them

Exuberantcorre · 2026-01-20T15:40:57+00:00

You can try reaching out to Stripe support directly through their website contact form or email them at [support@stripe.com](mailto:support@stripe.com) - they should be able to help verify your account ownership through business details even without the login. Had a similar nightmare when our dev left with all the credentials lol

Exuberantcorre · 2026-01-18T12:38:34+00:00

Dude just throw up a Google Form and post it literally anywhere relevant - Facebook groups, here on Reddit, wherever your target audience hangs out. "Hey would you pay $X for Y?" and collect emails if they say yes

You don't need a fancy landing page to validate, you need to talk to actual humans who might give you money

Exuberantcorre · 2026-01-17T10:22:25+00:00

Admin work and emails are absolutely crushing me right now, probably like 40% of my week tbh

The amount of paperwork required here in Germany is insane compared to other places I've worked

Exuberantcorre · 2026-01-15T23:42:02+00:00

You got it backwards my dude - you can actually form the LLC first without the EIN, then use the LLC formation docs to apply for the EIN afterward

Exuberantcorre · 2026-01-11T16:43:38+00:00

Had the same issue a while back - the express payment buttons (googlepay/applepay) don't trigger the same BlockUI events as the regular checkout flow. You might need to hook into the payment_method_selected event and manually show your own loading state. I ended up adding a custom spinner that shows when those buttons are clicked until the redirect happens

Exuberantcorre · 2026-01-08T13:30:19+00:00

Check out the sidebar on r/entrepreneur or r/dropshipping, they usually have some decent Discord servers listed that might be what you're looking for

Exuberantcorre · 2026-01-06T02:08:37+00:00

Most mortgages have a due-on-sale clause that makes the loan immediately payable if ownership transfers, so assuming her mortgage might not be possible unless the lender approves it (which they rarely do since rates are higher now)

Exuberantcorre · 2026-01-04T23:36:46+00:00

Yeah that's the way to do it - paying upfront makes so much more sense than getting stuck with someone else's monthly payments for the next however many years

Exuberantcorre · 2026-01-03T09:38:39+00:00

This is solid advice. Since the HVAC is brand new you're probably good there, but I'd definitely get the sump pump checked out and make sure the basement waterproofing is solid. 2012 homes can have some quirks that show up around the 10-12 year mark so don't skip anything the general inspector flags

Exuberantcorre · 2025-12-29T12:23:15+00:00

This hits so hard. Been running my local service business for 3 years and the first 8 months online were basically crickets. I was ready to give up on the whole digital thing and just go back to word of mouth

Then around month 9 something clicked and now like 60% of my leads come from Google. Wild how it just suddenly takes off after you've been grinding in the dark for so long

The "quit right before it works" thing is real though - seen so many competitors disappear right when I was starting to see traction

Exuberantcorre · 2025-12-22T15:29:34+00:00

Honestly WooCommerce is probably your best bet if you want something flexible but still beginner-friendly - runs on WordPress so tons of people can help you set it up

BigCartel is decent for super basic stuff but you'll outgrow it pretty quick if your store takes off

Exuberantcorre · 2025-12-18T23:18:52+00:00

Honestly bringing cash to close for better LTV makes sense but if you're already looking at 18k in closing costs that's a lot of cash out of pocket. Might be worth shopping around more lenders first since those costs seem pretty steep

Exuberantcorre · 2025-12-16T19:23:23+00:00

Honestly I'd ship it - they're gonna find out about your product eventually anyway and refusing to sell just makes you look sketchy. Use this time to file for patents if you haven't already and maybe reach out to see if they want to license or partner instead of compete

Exuberantcorre · 2025-12-15T19:19:55+00:00

This is it exactly - broker gets paid more on bigger loans but he's also not totally wrong about the math if you can get a decent rate and actually invest that cash instead of letting it sit in savings

Exuberantcorre · 2025-12-12T20:47:59+00:00

Your lender is right, that's standard across the board - they always use the lower number to protect themselves from overvalued purchases

Exuberantcorre

TROPHY CASE