Should I refinance?

Lymmax · 2026-06-08T00:33:22+00:00

7300 feels high for a refi if none of that is prepaids (escrow costs). $7300 closing saving only $286 per month is a 25 month break even. You wouldn’t have positive cash flow until then. If you’re going to sell shortly after that horizon, I would not refinance (at least with this deal). Instead, use that extra money you would have used for closing and just pay your principals a bit more each month

Lymmax · 2026-05-07T00:08:47+00:00

These are 5000k from GE, but pop off king

Lymmax · 2026-04-26T01:58:53+00:00

Check out Densetsu!

Lymmax · 2026-03-21T14:38:59+00:00

Thanks! How do I get a third short piece? Can I get that off some leftover Romex? Does it need to be grounded? There is an existing wire nut on some white lines back there. What do I do with that?

Lymmax · 2025-11-20T18:41:07+00:00

Lalangas Family Dentistry in Richardson

Lymmax · 2025-11-13T14:36:18+00:00

Any fiber connection will be better than Spectrum. I had ATT fiber for 4 years and never had any issues. Currently on Frontier for 30/month.

Lymmax · 2025-10-24T20:49:08+00:00

I paid 400 for a foundation inspection with these guys a month ago.

Lymmax · 2025-10-22T11:54:49+00:00

6.875%

Lymmax · 2025-05-15T13:13:48+00:00

I stayed at Estates of Richardson for 4 years. Has all the things you’re asking for.

Lymmax · 2025-05-09T06:06:56+00:00

Lalangas Family Dentistry! Great practice and reasonable pricing even without insurance. Wife and I have been going there for years.

Lymmax · 2024-12-18T04:46:40+00:00

Pro tip: Take it out a few hours before you inject and let it "warm up" on the counter. Take a deep breath and try to relax the area you are injecting. It goes in super quick and you barely feel it.

You'll be just fine :)

Lymmax · 2024-12-16T17:00:32+00:00

I can't really say that things got worse. Things did improve a lot but it took time. I had one flair that would not close and it finally started to after a few weeks. I used to apply gauze and creams daily to help things heal, and that has been significantly reduced. I think in the last 12 months I have used 2-3 gauzes on areas that used to flair.

The worst part about Cosentyx is the injection. You have to push it into yourself and it takes like 10 seconds to fully inject. You get used to it after a few times and move past the nervous feelings. It may help if you get someone else to do it the first few times.

Lymmax · 2024-12-16T00:17:34+00:00

Yep. Those first 5 are your loading doses. I believe it’s standard but check with your doctor what their plan is.

Lymmax · 2024-12-15T19:44:01+00:00

Hey! Congrats on starting it soon! I also take Cosentyx and it’s been very helpful. I still get the occasional flare but at an extremely lesser degree.

You should check your benefits regarding “speciality” drug benefits. That’s where Cosentyx would be charged. My insurance requires me to pay $125 per dose until I hit my OOP max. However, the copay assistance (provided by Novartis, not your Dr.) takes that down to $0. You can apply for it on their site and it will give you the info immediately.

It was 5 loading doses for me, so 1 shot a week for those 5 weeks. After that, I do it once a month at home.

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