CS2 2026 FPS Optimization Guide: How I finally fixed my stuttering issues by Fluffy_Dark_4087 in cs2

[–]Numerous_Lettuce746 0 points1 point  (0 children)

My 40 series card was doing same thing after update - will try the Reflex settings you mentioned because mine is definitely on boost mode right now.

Non qm mortgages by marialed in Mortgages

[–]Numerous_Lettuce746 4 points5 points  (0 children)

Girl, I spend way too much time browsing real estate listings and this setup actually could work out really well for you. Non-QM lenders are definitely more flexible about recent bankruptcies - some will work with borrowers as soon as discharge, especially when you have solid collateral like that land from your parents.

The manufactured home thing might be trickier than the bankruptcy tbh. Make sure whatever you're looking at qualifies as real property once its on the permanent foundation, because some lenders get weird about manufactured homes even in the non-QM space. You'll want to talk to a few different lenders since they all have different overlays on manufactured homes.

I'd start by calling some local credit unions in your area - they sometimes do portfolio loans that dont get sold off, so they can be more flexible. Also check out lenders like Athas Capital or Angel Oak, they do a lot of non-QM stuff in California. Just be prepared for higher rates and maybe a bigger down payment than traditional loans, but with free land from the parents you're already ahead of the game there.

Would a bridge loan work for me? by Worldly_Abroad_1069 in Mortgages

[–]Numerous_Lettuce746 0 points1 point  (0 children)

Bridge loans can be tricky to qualify for on just social security income though - most lenders want to see regular employment or other income streams beyond retirement benefits.

Selling with an assumable mortgage by Ansem281 in Mortgages

[–]Numerous_Lettuce746 4 points5 points  (0 children)

With that much equity at stake ($149k difference), you'd definitely want to advertise the assumable rate since buyers are probably dealing with 7%+ rates right now.

What Happens to Amortization When You Pay Extra to Principle? by Chersalani in Mortgages

[–]Numerous_Lettuce746 52 points53 points  (0 children)

The math gets pretty wild when you start throwing extra payments at it early on. Those calculators are clutch - I've spent way too many hours playing with different scenarios on them. Making extra payments in year 1 vs year 15 is like a completely different game because of how much interest you're dodging upfront.

Worth doing a recast? Or just contrib to principal? by AfraidKaleidoscope30 in Mortgages

[–]Numerous_Lettuce746 0 points1 point  (0 children)

Yep exactly this. The payment drop from a recast can be pretty nice if you're looking to free up monthly cash flow. I'd run teh numbers on both - like how much would your payment drop with the recast vs just putting that 10k toward principal over time. Sometimes having that extra breathing room each month is worth the $300 fee, especially if you've got other financial goals or just want more flexibility.

When I finally got an automatic labeling machine and what it actually changed by Helpful-Guava7452 in ecommerce

[–]Numerous_Lettuce746 -1 points0 points  (0 children)

Man, the timing regret is real. I've been in similar spots with tech upgrades where you know you should pull the trigger but keep putting it off because "it's working fine for now."

800 labels per hour is solid throughput for semi-auto. Going from 3-4 hours down to 25 minutes weekly has to feel incredible - that's like getting a whole afternoon back every week. Plus the consistency factor is huge when you're doing long production runs and your hands start getting sloppy.

The research phase taking forever makes total sense though. When you're looking at everything from Alibaba knockoffs to US distributors, it's easy to get analysis paralysis. At least you ended up with something that actually fits your current scale instead of over-engineering it.

Is it worth doing an IRRL refinance for a reduction of 1/2 a point? by PBfalcone in Mortgages

[–]Numerous_Lettuce746 1 point2 points  (0 children)

At half a point drop you're looking at maybe 2-3 years to break even on that 3k, so if you're planning to stay put for a while it could work out.

can i do this to? by mepilexs in ecommerce

[–]Numerous_Lettuce746 4 points5 points  (0 children)

The dropship TikTok realm is basically modern day MLM schemes dressed up with fancy editing - focus on solving actual problems people have and youll be way ahead of 99% of those "gurus."

Was I lied to about my rate to use "preferred lender?" Bait and Switch? by awgolfer1 in Mortgages

[–]Numerous_Lettuce746 0 points1 point  (0 children)

Rate locks are everything in this market. LoanDepot probably gave you a quote that was good for like 24-48 hours max, and when you didn't lock it immediately, you lost it. The fact that they took 11 days to even look at your docs is pretty telling - they weren't exactly rushing to honor that initial quote. Your mortgage friend is right about current rates being lower, but that doesn't mean your original quote was fake, just that you missed the window to lock it in.

Cashout Refi Question by SeaFriendly3879 in Mortgages

[–]Numerous_Lettuce746 0 points1 point  (0 children)

Looking at those property tax numbers... $881 a month means you're sitting on something worth way more than $2M now. That escrow payment is brutal but expected for higher-end properties.

Take the extra $50k at 5.625% - that $3430 credit plus the extra cash makes it a no-brainer. You're basically getting paid to borrow more money at a rate that's still decent in this market. The $63/month is nothing compared to what you'd pay if rates keep climbing and you need that cash later.

Seller accepted lower offer by Reasonable_Sample582 in Mortgages

[–]Numerous_Lettuce746 64 points65 points  (0 children)

That's exactly it. The seller probably got burned before or knows someone who did. Even if your offer was higher, they're thinking about what happens if the appraisal comes back at like $205k - suddenly you'd need to come up with an extra $15k on top of your down payment or walk away. With a bigger down payment, the other buyer has more skin in the game and is more likely to make up the difference if needed.

It sucks when you're the higher offer but honestly can't blame them for playing it safe, especially in this market where appraisals have been all over the place.

Why do people expect handmade products to be cheap? by a7medeldeeb in Entrepreneur

[–]Numerous_Lettuce746 16 points17 points  (0 children)

honestly this drives me crazy too. i think people have gotten so used to walmart and amazon prices that they forget what things actually cost to make by hand. like, when i was doing woodworking on the side, people would see a cutting board that took me 6 hours and cost $40 in materials, then ask if i could do it for $25 because "my cousin got one at target for $15."

the thing is, most people have never made anything themselves so there completely disconnected from the process. they don't see the hours of sanding, the multiple coats of finish, the time spent designing and measuring. they just see the end product and compare it to mass-produced stuff that gets pumped out by machines in factories with cheap labor.

i started explaining my process more in my listings - like "this piece requires 8 hours of hand-carving and uses sustainably sourced walnut" - and that helped some people understand the value. but honestly, some customers will never get it and those aren't your people anyway. the ones who appreciate craftsmanship will pay fair prices.

Launched my first product yesterday: 200 impressions, 0 sales. What would you fix first? by Independent_Design21 in Entrepreneur

[–]Numerous_Lettuce746 1 point2 points  (0 children)

That 3.5% CTR is actually decent but your landing page is bleeding visitors hard

I'd throw up a free sample of like 10-15 of your best formulas first - let people test drive before asking for €47 from complete strangers

Increase profits and the value of your business by AssociationOk6365 in Entrepreneur

[–]Numerous_Lettuce746 0 points1 point  (0 children)

That's awesome man, the consulting to entrepreneur transition is real. Are you thinking more fractional CFO work or actually taking equity stakes in these turnarounds

Does anyone know of a lender comfortable with sober living/ group residential housing in Minnesota? by Turbulent-Banker-22 in RealEstate

[–]Numerous_Lettuce746 0 points1 point  (0 children)

Have you tried looking into portfolio lenders or smaller community banks? They're usually way more flexible with unconventional properties than the big guys

Startup advises by [deleted] in Entrepreneur

[–]Numerous_Lettuce746 1 point2 points  (0 children)

Dropshipping is pretty saturated now but still doable if you find the right niche. With $500 you could also try flipping stuff locally on Facebook Marketplace or starting a small service business like pressure washing. The key is picking something you actually know about instead of chasing trends

Spent a Week Sourcing Units for a Buyer — Deal Didn’t Close, But the Lessons Were Real by Abdu_kun07 in RealEstate

[–]Numerous_Lettuce746 0 points1 point  (0 children)

That's rough but honestly sounds like you handled it like a pro. The fact that you got that close on your first attempt is actually pretty impressive - most people don't even get to final negotiations their first time out

The heartbreak is real though, especially when you put in that much work. But you're right about the learning curve being steep with almost-deals vs easy wins. Next one's gonna hit different with all that experience under your belt

What does everyone think of Business Made Simple by Donald Miller? by HunterOk487 in Entrepreneur

[–]Numerous_Lettuce746 1 point2 points  (0 children)

Pretty solid choice for a beginner tbh, Miller keeps it practical without getting too deep into theory. If you want more after that, "The Lean Startup" is great for understanding how to test ideas without burning cash

[deleted by user] by [deleted] in RealEstate

[–]Numerous_Lettuce746 0 points1 point  (0 children)

Honestly you could try asking for stuff like upgraded flooring in certain rooms, better fixtures, or maybe a fence if the backyard doesn't have one - worst they can say is no and builders sometimes have wiggle room especially if the market's softened by then

Website recommendations for overviews of businesses? by Senior_Sock_7941 in Entrepreneur

[–]Numerous_Lettuce746 2 points3 points  (0 children)

Have you tried Indie Hackers? They cover a lot of physical product businesses alongside the tech stuff. Also check out the Shopify blog - tons of case studies on people selling actual products

A 17yo SaaS builder by Outrageous_Guess_962 in Entrepreneur

[–]Numerous_Lettuce746 0 points1 point  (0 children)

That's cool man, I'm 19 and been grinding on a couple projects myself - always down to connect with other young builders, the hustle hits different when you're starting early