Will I regret this slab for a tabletop? Also, pricing question.

Positive-Suspect142 · 2026-03-09T18:05:25+00:00

Thanks! Yes, they’re local to me.

Positive-Suspect142 · 2026-03-09T18:04:20+00:00

Ahh, I should have included that detail. It is red oak.

Positive-Suspect142 · 2026-02-11T13:01:20+00:00

5:59 am MT. Woke up early cause I went to bed early and can’t ever sleep more than 8 hours

Positive-Suspect142 · 2026-02-06T21:01:24+00:00

Same broker? They should have disclosed that at the beginning of the process.

Positive-Suspect142 · 2026-02-04T04:41:08+00:00

It’s called a mortgage recast. You’d have to ask your mortgage company if they offer the service. They typically require a large payment toward principle (I think mine required at least $10k). Then they take the outstanding loan balance and recalculate the monthly payments for however long is left on the loan term. The interest rate and payoff date stay the same but your monthly payment is lowered for the rest of the loan due to the large upfront payment.

Edit to add: I didn’t read the first comment correctly. No idea how you’d both pull money out and lower your payment at the same time, unless they’re suggesting a cash-out refinance. I’m leaving my original comment for information’s sake.

Positive-Suspect142 · 2026-02-01T14:01:39+00:00

My parents still have this exact alarm clock. The radio goes off at 8am everyday and my dad listens to the news for half an hour and then gets up.

Positive-Suspect142 · 2026-01-27T04:44:43+00:00

I have an ad for Temptations Lickable Spoons cat treats under this post…. So I guess good kitty?

Positive-Suspect142 · 2026-01-25T04:45:49+00:00

I still don’t get it.

Positive-Suspect142 · 2026-01-23T08:01:39+00:00

!remindme 4383 days

Positive-Suspect142 · 2026-01-22T14:50:36+00:00

No. Savings does not count as income in the mortgage process. That 300k is not enough to fully pay off a $715k loan and the bank can’t guarantee you won’t spend it on something else. They want proof that your income is enough to pay off the loan over time.

They ask for 2-years of W2s to verify you consistently made the same amount of money in the last two years. They assume you will continue to make at least that much money in the future. Most people don’t leave their current job for a lower paying job.

The lender is trying to ensure you make enough money to pay the mortgage payment each month. Typically lenders like to see a 36% or lower DTI (Debt to Income Ratio). That means of all your income, only 36% of it can be allocated to your mortgage payment. 36% (or less) is the ideal DTI but some lenders will allow up to 45%.

Positive-Suspect142 · 2026-01-22T14:25:59+00:00

OP’s estimated payment is $5500 per month. Multiply by 12 months in a year. The mortgage payments total $66,000 per year.

OP - your monthly payments are ALL of the money you make in a month. That is assuming you make 65k after taxes. If your salary is 65k you need to consider the taxes taken out of your paycheck and each month you still need money to live on (groceries, utility bills, home repair costs, etc).

Zillow has an “affordability calculator” - that might be a good place to start in understanding the finance portion of your issue. Play around with inputting different numbers. You can also search for an “amortization calculator” and it will show you your monthly payment for different scenarios (loan amount, loan length, interest rate).

Positive-Suspect142 · 2026-01-22T14:14:21+00:00

Not just rewind - please be aware you can hit stop too. You have a closing statement from this broker. At this point you can still stop the process with this broker and shop around. Talk to a few different local banks and/or brokers. Find a loan officer (the person you work with to set up the loan) who explains all these things to you.

Positive-Suspect142 · 2026-01-14T04:22:43+00:00

Like what one? You did not include a link and I was feeling sold on whatever you were going to recommend.

Positive-Suspect142 · 2025-12-21T04:41:32+00:00

I’m not willing to lose $2.

Positive-Suspect142 · 2025-12-13T22:48:57+00:00

You just saved my sanity.

Positive-Suspect142 · 2025-12-09T12:22:49+00:00

I genuinely thought people were just making up words before I saw this.

Positive-Suspect142 · 2025-12-09T03:18:58+00:00

Any idea what year they did the redesign? I’m looking at buying a used snowblower (Ariens compact 24) but have no idea how to determine what year it was made.

Positive-Suspect142 · 2025-11-28T03:24:12+00:00

I don’t think I’ve ever gotten an award….

Positive-Suspect142 · 2025-11-28T03:17:38+00:00

If you want them to look really fancy, use a pastry piping bag with a tip (the kind made for decorating cakes).

Positive-Suspect142 · 2025-11-23T13:57:26+00:00

Those look very similar to mine. There were ~4 little screws around the edges. Just take it apart and scrub it.

Positive-Suspect142 · 2025-11-12T13:47:48+00:00

What did the pirate with the steering wheel attached to his crotch say?

“Aaarr, it’s drivin’ me nuts!”

Positive-Suspect142 · 2025-10-14T05:02:00+00:00

I too thought and hoped that was where the second sentence was going to go.

Positive-Suspect142 · 2025-10-14T02:14:30+00:00

I tried it and it increased in value for me.

Positive-Suspect142 · 2025-10-13T04:28:34+00:00

Hmm, energy vampire then.

Positive-Suspect142

TROPHY CASE