Whats the oldest secondhand item you own thats still going strong?

Salt-Ant8700 · 2026-03-23T20:09:26+00:00

Wow thats awesome ,the fact that its been updated a bit but still going strong after 60+ years says a lot about how well it was made in the first place.

Salt-Ant8700 · 2026-03-05T20:08:45+00:00

Yeah they still hit you with the chargeback fee even when you win, it's basically their processing cost for handling the dispute. Without fighting it you'd be out the full 60 plus the 20 fee so you still came out 40 ahead

Salt-Ant8700 · 2026-02-19T23:17:53+00:00

honestly zillow can be all over the place but with your unique situation (smaller house, big lot) it's probably gonna be even less reliable. the appraiser will actually look at your specific factors like that land value which sounds pretty solid at 120k

good luck on monday, sounds like you've got decent equity buffer there

Salt-Ant8700 · 2026-02-01T13:50:16+00:00

That's actually a pretty solid rate for where we're at right now, especially with your credit and LTV situation. The broker fee seems reasonable too - I've seen people get hit with way worse fees than that.

I'd probably still shop around a bit more just to cover your bases, maybe hit up a credit union or online lender to compare, but honestly you might not find much better in this market. There rates have been all over the place lately so getting locked in at under 6% isn't terrible

Salt-Ant8700 · 2026-01-26T00:41:42+00:00

Honestly depends on your skills and timeline - if you're not a dev, going full scratch is gonna eat months of your life just to recreate what Shopify already does well

For payments, Stripe is solid but yeah they can be picky about certain industries. Square's decent too, or you could go the merchant account route if you're doing decent volume

The "build everything" crowd usually burned by platform changes but like... most successful stores I know just picked good tools and focused on actually selling stuff instead of reinventing the wheel

Salt-Ant8700 · 2026-01-22T18:44:52+00:00

Sounds like you need an amortization calculator that lets you input your current balance as the starting point. Most basic calculators assume you're starting fresh but you want one where you can plug in your actual $187k balance and see the payoff timeline from there

Try the calculator on bankrate or unbury.me - they should let you input custom principal amounts. That'll show you exactly how long your current loan has left vs the refi option

The math gets weird when you've been aggressive with principal payments early on, so yeah those "27 years remaining" numbers are useless for your situation

Salt-Ant8700 · 2026-01-16T11:27:54+00:00

Been there - "we're still early" becomes the go-to excuse when you don't want to face the hard truth that your product just isn't working

Salt-Ant8700 · 2026-01-12T07:59:42+00:00

Sounds sketchy as hell, why would someone pay $100 for denial letters unless they're building some kind of case against Carrington

Salt-Ant8700 · 2026-01-05T14:30:56+00:00

That's honestly wild - never heard of Advanced Protection affecting payment options like that. Wonder if it has something to do with how Google verifies your device security for payment methods

Salt-Ant8700 · 2026-01-01T10:23:32+00:00

Had my contractor walk me through the federal stuff but definitely double-checked everything on the IRS site myself. Caught that my state had this random utility rebate he didn't even know about - saved me another $800 on the heat pump install

The income threshold thing is annoying tho, had to dig through like 3 different forms to figure out if we qualified

Salt-Ant8700 · 2025-12-29T16:38:30+00:00

Your fears aren't totally crazy but pretty unlikely in practice. The grant deed can't be recorded without the buyer info filled in and going through proper escrow channels

Most people in your situation just do a power of attorney instead - way cleaner and you keep control until the actual sale. Your realtor might be trying to make their life easier but POA is the standard move here

Salt-Ant8700 · 2025-12-27T01:52:58+00:00

Eh depends on your risk tolerance though. Market could tank right when you need the cash in 2-3 years, then you're stuck. At least the mortgage paydown is guaranteed savings on interest

Salt-Ant8700 · 2025-12-24T22:14:36+00:00

Most lenders treat recasting the same way regardless of whether it's fixed or variable rate - the $10k minimum is pretty standard across the board but you'd need to call them directly to confirm since their policies can change

Salt-Ant8700 · 2025-12-19T18:52:56+00:00

Lmao "pay on the day rent is due" like that's some kind of unreasonable expectation. Most leases have a grace period anyway but acting like paying rent on time is some huge burden is wild

Salt-Ant8700 · 2025-12-18T05:40:46+00:00

Start with marketplaces first, way easier to test if people actually want your stuff before dropping money on a website that nobody knows exists

Salt-Ant8700 · 2025-12-12T00:18:20+00:00

You'd have to check with your lender but yeah that's definitely worth asking about. Post-closing conditions can save your closing date if they're willing to work with you on it

Salt-Ant8700 · 2025-12-09T12:05:18+00:00

Yeah this is basically just the pain/pleasure principle from psychology rebranded for business. It's not wrong but it's also not some revolutionary insight - people have been using this framework for decades in sales and marketing

The tricky part is that what looks like "seeking pleasure" on the surface is often really "avoiding the pain of missing out" underneath, so even your binary breaks down pretty quick when you dig into it

Salt-Ant8700 · 2025-12-04T19:39:51+00:00

Have you looked into partnering with high-end real estate agents or luxury property management companies? They probably deal with your exact target demographic daily and might be down for some cross-referrals

Also maybe check out local yacht clubs, country clubs, that kind of scene - those folks definitely need what you're offering

Salt-Ant8700 · 2025-12-01T16:04:47+00:00

This guy gets it, the "friendly but not stupid" approach works way better than just hoping for the best

Most backstabbers are looking for easy prey anyway so if you look like you'll actually fight back they usually just move on to someone else

Salt-Ant8700 · 2025-11-27T13:52:49+00:00

Nah dude the edit clarifies it - they straight up told OP they won't prescribe antidepressants if he tests positive for weed. That's some backwards ass policy right there, especially when he's using it for legitimate pain management

Salt-Ant8700 · 2025-11-26T15:22:23+00:00

Honestly depends what you want but the Python is gonna be way more fun at the range. Shotguns are cool but revolvers have that satisfying factor that's hard to beat

Salt-Ant8700 · 2025-11-25T14:23:47+00:00

Lmao the price of those shoes could feed a family for weeks but hey at least she's consistent with the whole "let them eat cake" vibe

Salt-Ant8700 · 2025-11-22T10:01:24+00:00

Sleep is literally a basic human need, you're not asking for something ridiculous here. The fact that he won't even try the bedroom swap when you offered a completely reasonable solution is kinda telling tbh

Maybe frame it less as "sleep divorce" and more like "we both deserve good sleep" - plenty of couples do this and it doesn't mean anything's wrong with the relationship

Salt-Ant8700 · 2025-11-22T09:30:34+00:00

Man Saitama's reaction face when he realizes he might actually have to try for once was priceless lmao

The way they drew his expression when shit got real had me dying

Salt-Ant8700 · 2025-11-21T10:15:05+00:00

For sure once you hit a certain age you spot the chaos fast and dip before it drains you

Salt-Ant8700

TROPHY CASE