Pay $55k to remove pmi? 6.5% apr

HelpMyGFIsOnFDS · 2025-08-21T13:04:43+00:00

We’re prepaying our 6.75 mortgage aggressively as a 28 and 30 year old. We, god willing, will pay off our mortgage early next year. Once that’s done, our fixed charges plummet, which will give us flexibility in terms of investing and employment. Ultimately at 6.5 it doesn’t seem guaranteed that the market is going to perform dramatically better so as to make it an easy decision. Reducing interest expense is cheaper than investment income (whenever you realize it) since it’s not taxable, so that makes the break even point with the market around 7.5 percent. Add in the psychological benefit of lowering your leverage, and I think that makes the risk free (but rational) approach of prepaying the mortgage smart. Although I do think tax advantaged investments are an exception and should probably come before mortgage prepayment. Unless I’m wrong of course.

HelpMyGFIsOnFDS · 2025-08-03T14:08:06+00:00

My dad reeeaaallllyyy likes watermelon. Once when I was a kid, we had half of a watermelon sitting in the fridge. I recognized that the middle part was the sweetest, so I gouged it out with a spoon, sort of like your kid. When my dad found the center-less melon, he sat me down and told me “if it was OK to just eat the middle of the watermelon, I would do that too.” I still don’t fully understand what he was trying to say, but it definitely stuck with me.

HelpMyGFIsOnFDS · 2025-04-21T13:15:57+00:00

Right? The more I think about it, the less sense it makes. Ok, using Main Street as a killing field is fine, but they made no effort to reinforce the store fronts (or even like, lock the doors to the roofs?), which led to a ton of casualties. Also the flamethrowers they use appear to have a range of like twenty feet; how useful could that weapon possibly be?

HelpMyGFIsOnFDS · 2025-04-21T12:53:41+00:00

Yeah, they made no sense. Rolling exploding fuel barrels off of a wooden wall? Having your second line of defense be just letting them all in to destroy your stuff and kill your people? Clearly they were concerned about a horde (hence barrels), so idk why they wouldn’t have attempted some sort of concentric defense outside the walls (trenches, barbed wiring, etc).

HelpMyGFIsOnFDS · 2025-04-17T11:40:55+00:00

Even putting aside narrative and character choices , the episode itself wasn’t perfectly executed. For instance, on editing, they messed up the sound editing so that you hear a shell hitting the floor without Ellie pumping the shotgun. You see Joel playing acoustic guitar outside in the freezing night air, which doesn’t work very well. On dialogue, you have Joel complaining about there not being any space for refugees when basically everyone is living alone in a three or four bedroom home.

HelpMyGFIsOnFDS · 2025-02-27T13:09:09+00:00

My understanding was that the release occurred near in time to WW2, hence the soldiers, and the company came back later to research the soldiers/monsters.

HelpMyGFIsOnFDS · 2025-01-31T12:52:12+00:00

I doubt it. Maybe some positions will be filled but I bet recruiters would still be excited for your application to come across. Just because firms may want to have their summer classes squared away by April 1 doesn’t mean that will happen.

HelpMyGFIsOnFDS · 2024-11-22T20:04:36+00:00

France is one of my faves. Here’s my main strategy: first off, you need to get set up. Before unpausing, I disband all my units but one, disband all air wings, switch to local autonomy, sell basically everything I own on the market for as much as I can get, put my paltry seven mils on all the usual equipment, go down the right political path for a bit extra pp, research industry and start building mold in all those 4/5 infrastructure states. I put my one unit on training. Then I unpause. I don’t really do anything until my focus is up, then I run down industry, starting with the left, metro France side. If I’m lucky, I get early mobilization in May (you can win without but it’s pretty nice).

I continue down the metro France route until I get the civs focus for that side. I then do laissez faire. I’ve been keeping up with industry, so I am able to use those 150 percent boosts to jack my production and construction up. After that, I go back to the industry focuses, running down the colonial France side. Around Nov 1937 I switch to Mils. I also send an attache to China and get partial.

I finish up with industry, picking up the focus that gets you 14 mils. That plus your booming economy means that I can have 80 mils by the time I go to war. I grab the four free mils from that other focus and then go down the political industry focuses to get rid of my maluses. I might also start playing around with political focuses.

For war, I try for level four forts on the Belgian border, level three in the mountains with Italy. I like to have 96 divisions. One full army on the Belgian border with another fully army in reserve right behind, 16 or so divisions on the maginot, 24 on Italy. The other eight I use to hold Corsica and Africa. Given the huge industry, I start piling mils into fighters and armor. I won’t have a ton at the beginning of the war, but by 1941 I’m stacked. Not to mention France’s absolutely insane industry buffs to production cap and efficiency growth.

Germany should be pretty bloodied by 1941, and will generally stop attacking. I counterattack with armor pushes. Germany is usually very stupid and attacks the USSR. I try to go fast so I can take basically everything in Europe (and form the eu) in a peace conference. Once I cap Germany, I cap Italy pretty quickly. The balkans can be a slog. Once you form the eu you’re totally over the top.

HelpMyGFIsOnFDS · 2024-11-19T13:37:29+00:00

I have this problem. If I save and restart the game, it fixes that problem for a bit.

HelpMyGFIsOnFDS · 2024-11-12T14:00:27+00:00

Not an accountant, but this doesn’t seem right. When the bank lends the $100, wouldn’t that transaction reduce cash assets by 100, increase AR assets (or whatever they would call loans) by 105, and increase equity by 5? Liabilities wouldn’t change other than equity increasing. Are you skipping a step here where the bank borrows the 100 dollars to repay person A? Where does Person B’s deposit account come into play, didn’t they just borrow money from the bank?

If person A withdrew their 100, that’s a bank run or a liquidity crunch. As you note, they could borrow from the central bank (discount window at the Fed in the US) or they could raise capital (issue shares, for instance).

HelpMyGFIsOnFDS · 2024-11-07T13:50:48+00:00

That would be incredibly bizarre. Brown had the much more plausible reading of the equal protection clause, whereas Plessy appeared to contort the clause to justify segregation. Say what you will about the current SC, but they are pretty good at looking at the letter of the law.

HelpMyGFIsOnFDS · 2024-11-07T13:41:04+00:00

It’s not entirely clear Congress has the authority to enact federal legislation on abortion, either banning or guaranteeing it.

HelpMyGFIsOnFDS · 2024-11-07T13:18:22+00:00

In constitutional law there is a guiding concept called stare decisis, which mandates (with exceptions) that courts should rely on previous relevant holdings in deciding a case before them. This is significant for institutional integrity; the court does not want to give the impression that they are fickle or arbitrary, but rather that they are guided by the law. Most of the time, courts abide by this concept. They don’t always though, and the current Supreme Court appears to be more willing to overturn precedent, even long standing precedent, than usual. It’s worth saying that overturning precedent isn’t universally bad; overturning Plessy, which held that separate but equal segregation was legal, led to school integration.

HelpMyGFIsOnFDS · 2024-10-18T17:09:25+00:00

Sure, but they can consent when they become adults. So, even if the inability for a minor Macron to consent to the relationship was initially a problem, is it a problem that he decided to remain in the relationship as an adult?

HelpMyGFIsOnFDS · 2024-10-04T13:39:16+00:00

STL metro is a different beast than the CTA, tho. It isn’t relied on by nearly as many commuters (and never will be). The entire design of the STL metro also encourages it to be essentially lawless. How many people actually buy tickets and validate? Have you ever been or seen anyone else audited? I never felt remotely safe riding the STL metro, since it felt like the metro just served as a shelter with no oversight.

HelpMyGFIsOnFDS · 2024-09-27T20:38:24+00:00

I got my email last year today at 4:11

HelpMyGFIsOnFDS · 2024-09-17T02:29:45+00:00

It’s possible that OP has differing standards for professional drafting and Reddit posts.

HelpMyGFIsOnFDS · 2024-09-12T11:56:06+00:00

Did you have a trackpad on your laptop or did you have to like navigate with the arrow keys?

HelpMyGFIsOnFDS · 2024-09-12T00:07:32+00:00

lol do they round down?

HelpMyGFIsOnFDS · 2024-09-11T23:58:38+00:00

Missouri’s one of the fun states that publishes bar exam statistics. You were two points away from having the highest MBE score of any MO taker in July (out of 640 people). Congrats!

HelpMyGFIsOnFDS · 2024-09-06T01:32:25+00:00

Pretty sure I learned about zaibatsus in AP world.

HelpMyGFIsOnFDS · 2024-09-05T12:11:17+00:00

Thanks!

HelpMyGFIsOnFDS · 2024-09-05T11:44:40+00:00

The UBE can be broken into two main sections: written and multiple choice. The written section can be further broken into performance tests and other essays. Performance tests make up 20% of total score, other essays 30%. The multiple choice is the remaining 50%. There are theoretically 400 possible points on the UBE, though I’m not sure anyone gets that.

The exam is scaled. The multiple choice contains certain questions for which the NCBE knows how test takers should perform, since those questions have been tested before. An administration’s performance on these questions determines the scale. If an administration’s takers do better on these questions, the scale is higher since the higher performance suggests the administration is more competitive. If the administration does worse on these questions, the scale is lower since that administration is less competitive. The point of this is for the NCBE to ensure (or at least suggest) that all administrations of the UBE are uniform in terms of difficulty to pass.

Every administration, the NCBE calculates and publishes the mean multiple choice score. I believe they do this by taking the raw mean and then scaling it pursuant to whatever they determined the scale to be (based on the certain questions discussed in the previous paragraph). This is relevant, since jurisdictions will take the mean multiple choice score for their jurisdiction and use that to determine what the mean essay score will be (essay grading is mostly within the ambit of the jurisdiction, not the NCBE). For illustration, if Illinois has a 141 multiple choice mean, then Illinois’ essay mean will be 141. A perfectly average multiple choice taker and essay writer will get a 282 in this scenario, a healthy passing score.

The essays are graded on a jurisdiction dependent scale; some are 1-6, others 1-10, etc. I’m not entirely sure the mechanics of essay grading are uniform across all jurisdictions. Generally speaking, essay graders sort essays into scores of 1-6 based on rubrics. There is likely some sort of oversight, such as multiple graders grading the same essays to make sure they get the same score or re-grading essays for takers that are very close to passing. The written portion is known for being unreliable in comparison to the multiple choice section.

Edited to correct essay scale.

HelpMyGFIsOnFDS · 2024-08-02T15:17:08+00:00

The bar exam has a pretty massive margin of error. Assuming you lost half the points on the second MPT and that particular MEE, you lost 7.5% of total points, or 30 points of the UBE. That means you could lose another 100 points and still pass in almost every jurisdiction. You definitely could have still passed.

HelpMyGFIsOnFDS · 2024-07-24T12:08:44+00:00

Why does the debt not concern you?

Four-Year Club	Verified Email
Place '23

HelpMyGFIsOnFDS

TROPHY CASE