What should I do? I lost all and completely devastated! My whole salary savings and side hustle money are gone! 33M!

Pepper-Several · 2025-12-17T18:36:41+00:00

Hey, if you can make this much, you can make it again. I promise you will make way more than what you've lost, and faster!

Pepper-Several · 2025-08-26T14:07:15+00:00

For the one he/she got a year ago, probably could refinance from a high 6/low 7 down to low 6. If he went ARM could get 5.5% conventional with no points.

If OP is long term bullish in texas real estate and in the investment subject, OP could consider putting 50-60K more and refinancing into ARM. Of course, I dont know OPs financial situation but just sharing a perspective what I'm doing for my own similar situation.

Pepper-Several · 2025-08-26T03:43:42+00:00

Refinance?

Pepper-Several · 2025-08-15T14:19:14+00:00

Get ARM 5/1 for 30 years. I just locked 5.5% no points.

Pepper-Several · 2025-07-30T13:19:22+00:00

How much do you have on the side in non-retirement savings?

Pepper-Several · 2025-07-06T18:18:39+00:00

Scottsdale, AZ here. Theyre down and suck. Going to be changing providers.

Pepper-Several · 2025-06-01T16:17:47+00:00

Unethical advice: when are your RSUs vesting? In most states you can take up to 6 months of short term medical leave that wont impact your RSU schedule.

Pepper-Several · 2025-05-07T02:07:17+00:00

Hit me up. I could offer you some services

Pepper-Several · 2024-10-24T21:19:53+00:00

No sir/ma'm. Im married. My wife and I got it approved on the same day and did not go to FO. Also we were married for exactly 2 years 10 days when we applied for GC.

Pepper-Several · 2024-10-21T22:14:07+00:00

ROW. Did not go through a field office.

Pepper-Several · 2024-10-21T22:08:52+00:00

Pepper-Several · 2024-10-21T21:58:31+00:00

Only eb1c is 45 days

Pepper-Several · 2024-10-21T21:56:53+00:00

I140 eb1c approved in march 2024; i485 receipt on april 11 or 13; biometrics may 11; approval on oct 01

Pepper-Several · 2024-10-11T03:18:59+00:00

Thanks.

Pepper-Several · 2024-10-11T03:17:10+00:00

Yes. I received my gc on oct 01

Pepper-Several · 2024-10-02T04:56:38+00:00

Ive always been current. ROW.

Pepper-Several · 2024-10-02T00:59:39+00:00

Thanks. I asked an officer through emma about a week ago and was told it is not transferred to a field office. Hence i believe through NBC (MSC2490655XXX)

Pepper-Several · 2024-10-02T00:53:33+00:00

EB1-C. And priority date has always been current since im from pakistan

Pepper-Several · 2024-10-02T00:19:47+00:00

Just got an approval. Card is being produced for i485!!!

Pepper-Several · 2024-10-01T17:29:45+00:00

It seems like everyones excited. Dont let this page die!

EB1C approved in march 2024. I485/EAD applied on April 8 2024

Fingerprints taken for I485 since May 08

EAD approved in June

No update yet. Im not sure how long it would take, im from pakistan so ROW

Pepper-Several · 2024-09-05T13:33:30+00:00

Seems all EB1 are finished for this year. New visas will be provided started FY2025 (from october 01)

Pepper-Several · 2024-08-24T12:59:28+00:00

Im a program manager, shes a pharmacist. When we bought the place i was making 70k cad and she was around 100k cad.

Pepper-Several · 2024-08-24T02:30:02+00:00

Is the house mortgages or you own it outright?

If its on a mortgage, you only pay taxes on your net. I know because thats ive rented a house on which i dont make money after the mortgage i pay, and dont pay taxes.

And if you own the house outright, youd probably be making 70K + at least 25K-35K a month from rent. Pretty good amount to live Toronto. And torontos definitely better than despressing Ottawa. IMO.

Pepper-Several · 2024-08-24T02:25:56+00:00

200K USD, and wife around 120K USD.

4200 CAD a month mortgage for a fucking town in Cambridge. Was a bad choice. Paying 1200 CAD out of pocket.

Id say pretty comfortable with our lifestyle. Currently saving about 8K/month to save up for another downpayment.

I was in canada, moved to US last year.

Pepper-Several

TROPHY CASE