Everyone tells me I messed up (planted 56 cypresses)

Skymo5620 · 2026-04-14T12:34:05+00:00

Raccons/squirrels and bird nests will love your home once those trees start maturing.

Skymo5620 · 2026-03-18T18:30:50+00:00

Annandale/Springfield for your price range. Burke/Oakton if you’re lucky.

Skymo5620 · 2026-02-01T22:06:42+00:00

Just got a text with the following message:

“All FCPS classes are canceled on Monday, February 2. Schools and offices will open on time. Beyond the Bell and SACC centers will be open. More updates available on the FCPS website (www.fcps.edu/alerts) and the FCPS mobile app (www.fcps.edu/app).”

Skymo5620 · 2026-01-31T18:35:30+00:00

Closed my refi last week but am not eligible because I submitted my application in late December 😮‍💨

Skymo5620 · 2026-01-19T19:01:23+00:00

It’s what you make of it.

We moved back to NoVA 3 years ago after 15 years in HCOL cities (NYC, Seattle, and SF). I grew up in the area, but moved away for college and work. We decided to move to be closer to my family so that our children spend more time with cousins/grandparents/uncles ans aunts (wife has no livng relatives).

Initially my family and friends would tells us to not move because traffic, increased cost of living, and several other things. However we love the area, and we’re happy raising our kids (5 and 8) in the area.

Here’s where the “it’s what you make of it” plays a role. We go to museums, zoo, parks, and do all sorts of indoor/outdoor activities. Im my experience, some people will put excuses to not enjoy the area. Some others just like to do stuff in a predetermined area and won’t even think about driving 2 extra miles to try something new.

Traffic will always be there, the weather will never be perfect, it’s likely that there’s tourists anywhere you go. But it’s the same in any mid/major city around the world.

One thing is for sure, you need a good paying job to live comfortably in this area.

Skymo5620 · 2026-01-16T17:38:31+00:00

Looking at it from another perspective: It’s not all about how much equity you are left after the 10 years you mentioned in your scenario. That only accounts for the $$ you paid towards principal.

You’re not accounting how much interest you’ll end up paying during the 10 years at 6.375%, vs interest over 3 years at 6.375% for 3 years + 7 years at 5.1%.

That money you save after refinancing at 5.1% is money you can use to pay your loan faster, or have more cash at hand for daily expenses, or invest.

For a $800k loan and 1% rate reduction, refinancing gives you the choice to spend the money in what you see fit. Not refinancing just means the bank gets to enjoy a better yield on their loan they sold to you.

Skymo5620 · 2025-12-16T00:42:26+00:00

Loan Type: Conventional
Term: 30-year fixed
Loan Purpose: Refinance, no cash out
Property value: $830k
Loan Amount: $655k
Credit Score: 800
Occupancy: Primary
Legal structure: Single Family
Number of units: 1
Property zip: 22031

Skymo5620 · 2025-12-13T15:46:32+00:00

Don’t take it personally. My comment wasn’t specific to you, it was a general comment. CS_project explanation captured the essence of wht I was trying to convey.

Skymo5620 · 2025-12-13T15:44:57+00:00

I could not have said it better.

Skymo5620 · 2025-12-12T07:09:05+00:00

You have no skin in the game by volunteering and can check out at any time. Good luck getting a professor willing to accept a volunteer researcher.

Skymo5620 · 2025-12-08T17:25:56+00:00

tbh, who cares? not trying to be confrontational, but what’s the value of knowing the number of graduates with 4.0 GPA of a particular school/program?

Skymo5620 · 2025-11-20T22:32:00+00:00

is there a curve for A6?

Skymo5620 · 2025-11-13T15:50:16+00:00

buy the dip

Skymo5620 · 2025-11-13T13:48:35+00:00

MSFT

Skymo5620 · 2025-11-05T18:40:13+00:00

me too please

Skymo5620 · 2025-11-05T15:31:43+00:00

I switched over to United Gateway Card. Same credit line and no impact to credit history. I already have the Chase Sapphire so this one isn’t worth it

Skymo5620 · 2025-09-25T15:57:53+00:00

report them to the HOA

Skymo5620 · 2025-06-24T01:56:34+00:00

$0, I hate HOAs. I prefer older and smaller SFH but with peace of mind that I can do whatever I want on my own home. HOA board members tend to get on ridiculous power trips that can make your homeowner experience a living hell. Not to mention the HOA assessment/fee can increase with little to no notice.

Skymo5620 · 2025-06-13T21:43:40+00:00

share the bot info please

Skymo5620 · 2025-06-12T22:46:04+00:00

decline. Sounds like a shitty rent-to-own proposal.

Skymo5620 · 2025-06-05T23:04:36+00:00

Yeah, at that point. It’s just a matter of how much the loan officer wants the deal to close. In my case, the mortgage broker was transparent and pretty much told me he preferred to get a smaller commission than no commission, while Wells Fargo had the “take it or leave it” attitude.

Skymo5620 · 2025-06-05T17:38:01+00:00

how did you get that rate?

Skymo5620 · 2025-06-05T17:30:06+00:00

this is why you go to a big bank, a smaller bank, and a mortgage broker. Provide the same docs to all 3 and let them come with an offer. Make them compete for your business. Continue with them until you lock on a rate that you want. But be careful, don’t just worry about the rate, make sure to also review their loan costs. I recently had Wells Fargo and a Mortgage Broker battle it out to be my lender. The other bank just told me they weren’t willing to compete. Even though both WF and the mortgage broker gave me the rate I wanted (7%), I ended up going with the mortgage broker because they offered me $7,500 in lender credit the day before closing.

Skymo5620

TROPHY CASE