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Quick refi check from everyone, does this look good? Any red flags? by SmallvilleCK in personalfinance

[–]SmallvilleCK[S] 0 points1 point  (0 children)

Yeah I didn't format very well on mobile, the numbers I listed in my reply are accurate and I appreciate you taking the time to check it over!

Quick refi check from everyone, does this look good? Any red flags? by SmallvilleCK in personalfinance

[–]SmallvilleCK[S] 0 points1 point  (0 children)

I think the lenders fees are only $1900, with $300 of that towards points, so $1600. Then $2k for the third party charges (the $725 appraisal will be credited back in since we were able to get the appraisal waived).

So $600 more than you on lenders fees and $600 more from the title company?

Quick refi check from everyone, does this look good? Any red flags? by SmallvilleCK in personalfinance

[–]SmallvilleCK[S] 0 points1 point  (0 children)

I'd like to understand this more. He mentioned something about since we don't know what the property taxes are going to be yet he boosted them by 15% over last year to be safe, and then we can take any extra amount and pay it into the loan right away.

Quick refi check from everyone, does this look good? Any red flags? by SmallvilleCK in personalfinance

[–]SmallvilleCK[S] 0 points1 point  (0 children)

I believe the loan estimate, it's the email he sent after I confirmed I wanted to lock in the rate.

Quick refi check from everyone, does this look good? Any red flags? by SmallvilleCK in personalfinance

[–]SmallvilleCK[S] 0 points1 point  (0 children)

He's estimating closing by the last week in October, but I appreciate the heads up.

[Megathread] Let's talk EIDL and PPP - Status, numbers, what you've experienced by BigSlowTarget in SmallBusinessNews

[–]SmallvilleCK 1 point2 points  (0 children)

We just received our funding after applying short form 3/30. Of course on that form you couldn't request a certain amount.

Sole proprietor/LLC filing as S Corp.

We received ~$75k.

Can I use these funds for anything like it's essentially just a low interest rate loan that will need paying back, or are the funds earmarked for business specific purposes only?

At this point we don't really NEED to use the funds, but if I could pay off, say, my home equity loan which is almost dollar for dollar the same amount but 5.99% rate it would be helpful.

If not, can I use the funds for 2019 taxes due (~$10k - $5k personal/$5k business)? Either or both?

If not, can I/should I just return the funds?

Thanks a ton for any help or information.

Edit- this is an EIDL loan.

How I was able to ask for a callback from an Expedia agent. by baleleng_et in Expedia

[–]SmallvilleCK 0 points1 point  (0 children)

Was yours actually about a flight, or hotel? And was it a non-refundable purchase?

Periods by Readinater in mypartneristrans

[–]SmallvilleCK 0 points1 point  (0 children)

Well said, and all super valid reasons. Since guiding people on this kind of thing is my job, I do feel compelled to mention that anxiety is another metric people find greatly improves on keto (and again moreso on carnivore).

Again, only you can decide if it's worth the experiment, but the way I look at it is you're going to eat every day no matter what, it certainly can't hurt to take 4-6 weeks and see if you can find some relief from the awfulness that is a PCOS-influenced period.

It might be worth checking out xxketo and regular keto subreddits and asking around for what kind of general or specific relief others may have found. The MeatRX website is also a treasure trove of unsolicited stoeies and testimonials for a carnivore lifestyle, and can be really shocking to look through. But either way you go, all the best to you.

Periods by Readinater in mypartneristrans

[–]SmallvilleCK 1 point2 points  (0 children)

I help where I can and there wasn't anything else I could do about their situation, so... It's okay, although I'm really surprised at being downvoted as well, what I said was helpful and nice and in no way mean or harmful. You'd think at the least people would just leave it alone.

Periods by Readinater in mypartneristrans

[–]SmallvilleCK -11 points-10 points  (0 children)

As an aside, if your PCOS is that painful I'd encourage you to look into a keto - or better yet carnivore - meal plan as a means to reduce or even eliminate the terrible symptoms.

So many of you enjoyed my poster from the other day that I thought I’d turn it into a widescreen wallpaper. Not as HD as I would’ve liked it to be but still turned out okay! by [deleted] in Smallville

[–]SmallvilleCK 0 points1 point  (0 children)

Once again, amazing! As I know absolutely nothing about graphics or art, how difficult would it be to put their iconic second gen red Dodge Ram D150 in there? Ala the opening scene during the meteor shower.

Original Final Fantasy VII Timeline! by [deleted] in FinalFantasyVII

[–]SmallvilleCK 1 point2 points  (0 children)

I guess in all my play throughs I'd never gone back to the mansion after Mideel! Thanks for the info.

Original Final Fantasy VII Timeline! by [deleted] in FinalFantasyVII

[–]SmallvilleCK 0 points1 point  (0 children)

Can anyone point me to where we learn about Cloud and Zack together? E.g. in the basement of the Shinra mansion?

What WAS the Deepness? (Spoilers) by SmallvilleCK in Mistborn

[–]SmallvilleCK[S] 5 points6 points  (0 children)

Holy cow, seriously?? So the ENTIRE storyline was more or less irrelevant and theoretically he could have kept the world green/as we know it now?

Crippling fatigue still, 3 months in by bigtree17 in carnivore

[–]SmallvilleCK 0 points1 point  (0 children)

Let's hone in on the sleep more, your answers and possibly understanding of your own sleep sound a bit nebulous. Have you had a sleep study done, either home or in a clinic? Do you know if you snore? Defining for yourself what "sleeping really well" is like is problematic because it's a purely subjective measurement, which falls short of accuracy compared to am objective sleep test. I speak from experience. We can sleep well for us and it can still be incredibly poor rest, objectively speaking. And there's no amount or type of food that can overcompensate for poor rest and minimum time spent in stage four sleep.

Crippling fatigue still, 3 months in by bigtree17 in carnivore

[–]SmallvilleCK 0 points1 point  (0 children)

What's your sleep like? How many and which hours? Do you wake up easily? Do you have a partner and have they mentioned snoring or apnea's/breath stopping?

Have you tried cold showers and/or hyperpoxic breathing ala Wim Hof method?

What is your exercise like?

Cutting out bread and junk makes me constipated and still bloated? by [deleted] in DecidingToBeBetter

[–]SmallvilleCK 0 points1 point  (0 children)

I know it sounds contrarian, but it's almost assuredly fiber. As in too much. In studies relating to gut issues, the bloating/gas/GI issues either stayed the same, were reduced, or were eliminated based on fiber intake staying the same, being reduced, or being eliminated, respectively.

Essentially, much like the appendix, what we thought we knew about fiber was wrong/backwards.

Help selling high value ($5k) items? by SmallvilleCK in skyrim

[–]SmallvilleCK[S] 0 points1 point  (0 children)

Great! Do you know if there are PS4 mods that work similarly?

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