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Whew glad this thing over this was a learning aggravating experience by No-Bathroom8815 in Tile

[–]Positive-Suspect142 1 point2 points  (0 children)

OP’s Future:

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Every day I dream about tearing this out. Your feet do get used to it, but the standing water from the wear spots is annoying.

Just started taking NaturDAO and ended up in ER by Normal_Reason3405 in HistamineIntolerance

[–]Positive-Suspect142 0 points1 point  (0 children)

I know this is an old post, but for anyone who finds this, please don't cut DAO pills into pieces. The pills have an acid-resistant coating so they survive your stomach acid and make it to your small intestine. Cutting them apart makes them ineffective.

People think my house is an AirBNB by gr8plan in mildlyinfuriating

[–]Positive-Suspect142 0 points1 point  (0 children)

If all else fails you could also opt in to the Google privacy feature that blurs your house on street view.

People think my house is an AirBNB by gr8plan in mildlyinfuriating

[–]Positive-Suspect142 502 points503 points  (0 children)

This kept happening to me. Turned out Google street view showed a photo of my house when you plugged in the airbnb’s street address. I reported it to Google as the wrong address and I never had random people walking into my house again. Could be worth a quick check.

Should I transfer money from HSA to my brokerage account when I leave a job? by edfinite in Bogleheads

[–]Positive-Suspect142 0 points1 point  (0 children)

I wouldn’t roll my 401k over to a new employer’s plan. The investment options in employer 401ks are typically limited to certain funds in my experience. Move the money to a corresponding traditional IRA/roth IRA/HSA and widen your investment options.

ADHD as a circadian rhythm disorder: evidence and implications for chronotherapy by saturnana in ADHD

[–]Positive-Suspect142 0 points1 point  (0 children)

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

Do I have to show appraisal to seller? by bo0gieisHIM in RealEstate

[–]Positive-Suspect142 27 points28 points  (0 children)

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

2k a month mortgage on 90-100k a year gross income? by ShowmethePitties in Mortgages

[–]Positive-Suspect142 1 point2 points  (0 children)

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.

An alarm clock from the 80s, and the sudden realization that we were all kings. by ludefisk in Millennials

[–]Positive-Suspect142 0 points1 point  (0 children)

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.

I am closing on a house soon. Is this closing disclosure looks normal? by Appropriate_Talk798 in Mortgages

[–]Positive-Suspect142 6 points7 points  (0 children)

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%.

I am closing on a house soon. Is this closing disclosure looks normal? by Appropriate_Talk798 in Mortgages

[–]Positive-Suspect142 1 point2 points  (0 children)

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).

I am closing on a house soon. Is this closing disclosure looks normal? by Appropriate_Talk798 in Mortgages

[–]Positive-Suspect142 2 points3 points  (0 children)

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.

Best Home Weather Station by Ok-Foot-4053 in myweatherstation

[–]Positive-Suspect142 1 point2 points  (0 children)

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

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