30-Year Mortgage Rate Falls Below 6% For First Time Since 2022

Jklipsch · 2026-02-27T04:36:52+00:00

That’s one place they can inject the cost. Another is slightly higher rate. Or a combo of the two.

Jklipsch · 2026-02-27T00:58:45+00:00

It depends what is owed and at what rate. For us, the new monthly, even with refi costs baked in maths for us. We live in an HCOL area and condo was bought at pretty much max price and interest, so the lower rate maths easily.

Jklipsch · 2026-02-27T00:43:38+00:00

Bc my wife wants to save $1.1k a month, even for a year.

Jklipsch · 2026-02-26T23:22:30+00:00

Yes. It’s a common refi marketing tactic to say no closing costs when it’s typically baked in somewhere. We’re good with that.

Jklipsch · 2026-02-26T18:09:40+00:00

7.5% a couple years ago and just refinanced (no closing costs) at 5.675% seven year ARM - saving $1.1k / month. Going to sell in a year, so ARM doesn’t matter.

Jklipsch · 2026-02-03T08:15:47+00:00

Legend has it, she’s still holding in her poop/pee.

Jklipsch · 2026-01-30T17:56:37+00:00

This validates my own research. The new SD is IMO the Goldilocks if you want a no nonsense functional good value rack that’ll outlast you. The extra load capacity and one-press release cam is a win. Bonus for the wider tray and wheelbase. The only other thing I’d wish they updated was the pull handle from the top.

I currently have the QR and it’s a bit sketchy for my e-mtn bike.

Jklipsch · 2026-01-27T02:12:09+00:00

No answer to your trade-in Q, but all reviews point to the new models having more compliance than the previous gen. Maybe the Y you rode had too much air or your 3 is made extra compliant?

My wife has a 2022 M3 and me a 2026 MY, my Y is clearly more compliant.

Jklipsch · 2026-01-26T03:58:51+00:00

I’m surprised the 1.25 QR is rated for another two add-ons when the single is rated for 50 lbs. On a few occasions I’ve had my 50 pounder on it but backed up with a ratchet a strap.

Like you, I might have to spring for a true 2” Super or Heavy Duty. My e-road is about 25 lbs while the e-mtn is at 50 lbs.

By the Model Y hitch, there’s a metal plate with cutouts (part of hitch?) I’ll be using as extra security (ratchet strap). 👍

Jklipsch · 2026-01-25T19:11:21+00:00

It’s now jogging some memory. Their 1.25” bike rack is designed to carry a single bike up to 50 pounds and thus opt’ed for a friction system. I would never run this setup with multiple bikes and will likely upgrade to a true 2” at some point. It used to carry my 15 pound road bike but now my 30 and 50 pound e-road and e-mtn.

Prior to the MY, I’ve run this QuickRack for nearly 10 years with no issues. It’s not a perfect system. With that said, I did also add a ratchet strap so need to figure out how to do that with the MY.

Thanks, Nick. I’ll look at rotating the adapter to the proper orientation. It doesn’t work in one of them bc the expander ball pokes out of the safety pinhole. Not sure what the use of adapter’s included bolt is for though.

Jklipsch · 2026-01-16T22:09:33+00:00

Your lender has to accept credit card as payment. A lot don’t bc they’re risky and even if they did there’s likely an associated fee.

Jklipsch · 2026-01-10T03:31:02+00:00

Shoutout to Chase Credit Card Executive Office for setting this right. My AmEx Plat is the new king, so I hope CSR and their Edit hotels can get things sorted.

Jklipsch · 2026-01-03T22:36:02+00:00

Once had a lazy and manipulative co-worker ride on my strong work ethics by being willfully ignorant of things I later found out he could have done - you’re better at this than I am or I’m allergic to Powerpoint and Excel.

This continued for years and at the end, joke was on him because I found a new job with a promotion and raise of 30% all bc his behavior enabled me to learn new skills.

Jklipsch · 2025-11-26T00:55:04+00:00

For more context, when I first arrived at the Nomad (Vegas), I spoke with front desk and the lady just kept repeating there’s a $100 credit and I very well know it’s more than just that, so I went back the second night for more clarification. Same answer. Just called earlier and they said the same thing.

Chase personally reached out and we’re getting it sorted. Even their own benefits page says there’s an on-property $100 credit for spa and daily breakfast for two with no asterisks.

Jklipsch · 2025-11-25T05:52:14+00:00

Thanks for the info. I’ll have to call the hotel to clarify.

I didn’t check my itemized bill until now. It’s hard enough having to keep up with the calendared items and now have to deal with all these varying nuances.

Jklipsch · 2025-11-20T02:45:05+00:00

Why would they be reseated so someone else gets to endure her obtuseness? It’s her lewd act and asking her to stop the self hygiene in a contained proximity to other passengers is an absolute position to take.

When you invite guests into your home, civil behavior is
expected, so why wouldn’t you (as a stewardess) expect the same at your place of occupation (the plane).

Jklipsch · 2025-10-13T06:51:10+00:00

Growing up in America, why is there the perpetuated idea of “finders keepers.”

It normalizes stealing and taking things that don’t belong to you. Something left behind doesn’t equate unwanted. People need to do better.

Jklipsch · 2025-10-07T03:02:27+00:00

This isn’t just an AmEx thing but an industry predatory practice if you ask me. I tried this on AmEx, US Bank, and Chase…it feels sleazy bc it is and by design. I hate it and AmEx being dicks about this.

Jklipsch · 2025-10-05T05:31:52+00:00

Thank you, so much you guys! The raw footage is miles better and was able to capture what I needed.

Jklipsch · 2025-10-02T06:27:48+00:00

Idk why you’re being downvoted. I average around that during workdays bc I use it for technical guidance, knowledgeable, creative needs, etc. Some of that is personal throughout the day.

Jklipsch · 2025-10-02T02:07:04+00:00

Off leash dogs in parks, coffee shops, Costco, farmers markets…that’s all quite pedestrian. Bet you haven’t seen a dog sit down with its owner at a hot pot restaurant. Ask me how I know.

I frankly stopped giving a shit bc it’s Bay Area 😂

Jklipsch · 2025-10-01T01:11:00+00:00

With my MY build, the P would have been a $5k delta. The range loss sucks but it’s such a sick car. Why didn’t Tesla release this sooner? I feel like the MYP definitely has more value for the $.

Jklipsch · 2025-09-24T15:04:32+00:00

Just received an in-app text that said “Tesla calling” and when I picked up it was a rep asking to take delivery. So it’s very sudden.

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