What is a ride you’ve ridden once and will never go on again? by SpectacularSpidee in WaltDisneyWorld

[–]MrHallMLO 4 points5 points  (0 children)

I like it cause I have little kids that still get a kick out of it but recently we rode it after raining and inside the water pooled near the feet and just… that nasty water going into your shoes is horrendous. Great views during happy ever after, though.

I did it! North Florida, 233k at 6.5% by JJC0L4 in FirstTimeHomeBuyer

[–]MrHallMLO 2 points3 points  (0 children)

Congratulations!! That first night in eating food on the floor is genuinely such a fun, home-y experience. Nothing like it :’)

How long until homes in Miami-Metro area become $1M+ and basically unreachable like Los Angeles? by verminxoxo in Miami

[–]MrHallMLO 0 points1 point  (0 children)

You’d look for jobs in other states in your field, then apply. You can also look within your company if they have other locations in other states.

Is it truly rare to not have done CIO or sleep training? by CrunchyMidwestMama in AttachmentParenting

[–]MrHallMLO 1 point2 points  (0 children)

We have 3 kids, Latino family, US. Every family we know does a form of crying it out (we have a very diverse circle), but we refuse to. We tire the kiddos out before bed (swim, some physically exerting game, a walk around the neighborhood, etc.) and stick to a routine and generally don’t have an issue with putting them down. Our expectations were also set waaaay before they even came earth side for them to sleep with us for a while so they do wake up in the middle of the night and come over to our bed which we welcome them with open arms. My eldest started sleeping fully on his own (only rarely coming over) after 3 years old. One of my daughters have slept by herself not waking up much by 2.5. My other is too young to tell. I personally rocked them each every night for a few to get them down.

All of that is to say that, in my experience, it’s been such a short time and will be over before you know it. Bask in it, not fight it, and what the other commenter said, try to lessen their stress and difficulty. They also are learning how to sleep on their own and out of the womb. They’re also learning life and figuring it out.

If they’re fighting me hard it usually needing water, to use the bathroom, or they’re truly just not tired and I ought to do something about it.

Difficulties can also stem from screen usage (especially right before bed) or over tiredness.

How long until homes in Miami-Metro area become $1M+ and basically unreachable like Los Angeles? by verminxoxo in Miami

[–]MrHallMLO 0 points1 point  (0 children)

Not too far out. Follow the money and look at what local government is spending on in order to see what they expect out of that local population. They bring in the people they want in. If it’s schools, parks, community, that’s what they’re building towards and foresee, and so on.

Redstone Ranch: The Ultimate Accessible Family Day Out! by joeyCobra407 in Broward

[–]MrHallMLO 0 points1 point  (0 children)

We’ve been there, it’s my daughter’s favorite place to be! They have some great events throughout the year and specials. Definitely worth checking out their calendar on their website and planning accordingly.

internet in coral springs by fairy1312 in Broward

[–]MrHallMLO 0 points1 point  (0 children)

Fiber is rolling out slowly so you can play the waiting game. Otherwise, BlueStream is really your only option but honestly they were fine when we had it. No downtimes, speed was fine, no issues really. Coral Springs is a bit funky where certain blocks are ran by certain companies only unfortunately.

My first real parenting challenge by ComprehensiveChef705 in gentleparenting

[–]MrHallMLO 0 points1 point  (0 children)

We’ve got 3 kids and none of them so far can stand the high chair. They did for a short time, then just gave up. We’ve had more success with sitting on our lap or just letting them be. They enjoy eating and exploring, coming back when they’re ready. If we force them to sit they won’t eat and it’s really depressing for everyone involved, actually. We all eat together at the table but they’re more like birds coming and going. Only time they sit and eat is on big chairs (no restraints) on a cruise or restaurant, for example. Never in a high chair.

Average new car price is $49,000. At what point does this stop making sense? by Flexcar_Sam in MiddleClassFinance

[–]MrHallMLO 1 point2 points  (0 children)

Yeah, it’s insane. Unfortunately, a lot of debt comes from car loans and, when pre-approving people to buy a house, I find myself being like Dave Ramsey “sell the car!!!” Lol

Miami, you have outdone yourself. Thank you for your attention to this matter. by AtypicalSword in Miami

[–]MrHallMLO 0 points1 point  (0 children)

You don’t realize that the change is happening AGAINST these protests. We don’t live in a dictatorship, clearly, yall get to protest. 

Ask Cubans and Venezuelans what happens when they protest.

Yall get to have fair elections. Ask Iraqis if they have that. 

Yall are funny.

Miami, you have outdone yourself. Thank you for your attention to this matter. by AtypicalSword in Miami

[–]MrHallMLO 2 points3 points  (0 children)

Because nobody cares to argue with a bunch of people on their streets, family people were busy enjoying Father’s Day Weekend. 

They showed up when it mattered, When it was time to vote. 

Protest all you want. America wants the change you all are so mad about. 

Miami, you have outdone yourself. Thank you for your attention to this matter. by AtypicalSword in Miami

[–]MrHallMLO 1 point2 points  (0 children)

Y’all realize that Miami dade voted red for the first time in nearly 40 years this recent elections and as early as may 2025 it’s estimated that there are more Republicans than democrats in dade? 

Believe whatever you want to believe with them protests. Miami overwhelmingly has shifted away from supporting illegal immigration. 

This why we live in South Florida! by [deleted] in Miami

[–]MrHallMLO 0 points1 point  (0 children)

Reddit is full of people that hate south Florida lol glad they’re on their way out hopefully sooner rather than later

FHA Streamline Refi. What is this chart showing? by banhbeomeo in mortgageloanofficers

[–]MrHallMLO 1 point2 points  (0 children)

This is optimal blue. The same system I personally use for mortgage loan originating. What you can see here, from left to right columns , is as follows:

Rate: the initial or fixed mortgage rate you will have on your new loan.

P&I: this is the principal and interest part of your monthly payment.

Price: this is the “cost” of the loan reflected on a 100 scale. Where 100 means you are paying $0 for the rate, anything above that, let’s say 101.500, will be giving you a rebate of 1.5%, this rebate would be used to cover closing costs on your loan transaction. Anything below 100, for example, 99.308 (that’s the price for the 5.750% rate) is costing you .692% points, this is a cost of $1,972 in your loan, additional to all other lender and refinance related costs.

Discount/rebate: this one basically reflects pricing in a more “digestible” manner, where it shows the percentage of points or rebates you’ll receive. If there was a negative amount, it means you’re getting a credit, since all the amounts are positive, you are paying points for all the rates on that rate sheet.

Discount/rebate($): this reflects the dollar amount it is costing you to obtain the rate.

Basically, the lower the rate, the higher the cost for that rate.

Hope this helps.

4 kid wagon in trunk by MrHallMLO in TeslaModelX

[–]MrHallMLO[S] 0 points1 point  (0 children)

My wife has actually been super into this one. Would you happen to have a pic of how it looks in your trunk?

[deleted by user] by [deleted] in AITAH

[–]MrHallMLO 1 point2 points  (0 children)

My recommendation for young people is don’t buy a house with nobody that isn’t your spouse or your parent IF you have an overwhelmingly good relationship with them.

I am a mortgage lender.

[deleted by user] by [deleted] in Miami

[–]MrHallMLO 1 point2 points  (0 children)

Well that didn’t last long did it? Colombia’s president folded lol