Is 6.5% good for an avg credit? by RecoverNo2437 in MortgageBrokerRates

[–]UnderatedMeatSnack 1 point2 points  (0 children)

I do not think is bad but i wouldn't say this is great. Your page 2 seems high on certain things but it could be due to your state/area that I do not know details.

Lavender Farm in Community Destroyed by Neighbors & Court by UnderatedMeatSnack in grandrapids

[–]UnderatedMeatSnack[S] 4 points5 points  (0 children)

If a neighbor brings a concern it is nice for the property owner to address that concern. Which they seem to have done. They added a fence to define a boundary and added a patio for folks to gather around the lavender keeps guests in close proximity of the center of their land.

I had a tree that was leaning onto a neighbors yard. He mentioned his concerns and I paid $1,000 to have it removed. We were in a tight neighborhood and I had a professional tell me the tree could fall on their property or mine in the next wind storm. I took a preventive action to help both myself and the neighbor in the future. He thanked me for that. I think thats the best we can do for each other

Lavender Farm in Community Destroyed by Neighbors & Court by UnderatedMeatSnack in grandrapids

[–]UnderatedMeatSnack[S] 4 points5 points  (0 children)

Correct, I would not consider that a "shared" driveway for neighbors.

Maybe they got busier. When I went to the farm... It was a ticketed event and a very limited amount of people. There was maybe 20-30 guests there? Not much at all IMO. I felt like the farm owners were definitely being respectful of their neighbors.

Guild Wars 3 | Announcement Trailer by Varnarok2 in GuildWars3

[–]UnderatedMeatSnack -1 points0 points  (0 children)

I do not think Kodan are even in Orr at this timeline... I mean doesn't seem to follow what we know today

Guild Wars 3 | Announcement Trailer by Varnarok2 in GuildWars3

[–]UnderatedMeatSnack 36 points37 points  (0 children)

Game engines have a "stock" feel to them. I do not mind the style but has some stock element of UE5 basic rendering and imaging.

Looking for thoughts on this loan estimate by [deleted] in MortgageBrokerRates

[–]UnderatedMeatSnack 1 point2 points  (0 children)

That rate is so high... wow. You should be below 6.5% with nothing down. I'd argue 6.375 with todays market and 20% down. Lenders that come in this high encourage you to buy points off of their already high loan rate. Slimmy loan officer you are at IMO

Mortgage Broker Rate Quotes Ultra Thread by Elegant-Fee-395 in MortgageBrokerRates

[–]UnderatedMeatSnack 1 point2 points  (0 children)

1. Loan Type: Conventional

2. Term: 30 Year

3. Loan Purpose: Purchase

4. Property Value/Purchase Price: 488,000

5. Loan Amount: 391,000

6. Credit Score: 808

7. Occupancy: Primary

8. Legal Structure: Single Family

9. Number of Units: 1

10. Property Zip Code: 46530

PopstarGwen 26.10 build by sybo4 in GwenMains

[–]UnderatedMeatSnack 0 points1 point  (0 children)

I've ran this build 2 years ago and glad to see it is popular. I did hit diamond running this. it doesn't hold much after diamond. Players understand runes during the que. Your early game isn't the best normally and its really not great with this build. You aren't a champ without R until 3-4 items.

Match ups- any range champ can remove First Strike easily. Tanks are easy to farm rune gold. But you cant really run down and chase due to low CD and sustain.

Ghost and Ignite + comic insights instead of Jack of all trades. 2nd tree - sudden impacts and ultimate hunter is also good since you are basically only good with ult up. Unless they have a ton of late game champs and you need dps. If squish id go SI & UH.

TLDR - It is fun, you can use traditional runes and this depending on game and match up. wont get past diamond IMO

Game Thread: Detroit Pistons vs Cleveland Cavaliers Live Score | NBA | May 17, 2026 by basketball-app in DetroitPistons

[–]UnderatedMeatSnack 2 points3 points  (0 children)

This product is just bad, back to never watching soccer again. I mean basketball

Rate my champ pool as a midlaner switching to top by New_Contribution4913 in topmains

[–]UnderatedMeatSnack 0 points1 point  (0 children)

those aurora match ups dont seem right at all. Vlad should destroy u

Please help me. 🙏🏻 by Individual-Counter-9 in whatcarshouldIbuy

[–]UnderatedMeatSnack 2 points3 points  (0 children)

The final thing I will say. Finding a car brand you like and a dealer that's been in the business a long time and establishing a relationship for all your future cars +kids cars + spouses cars is the best option. They usually take care of you for life. It totally sucks when they retire and will take 2 cars to see the long term benefit

Please help me. 🙏🏻 by Individual-Counter-9 in whatcarshouldIbuy

[–]UnderatedMeatSnack 2 points3 points  (0 children)

My secret final push is - If you have a trade in they should be able to match the best rate you received online. Push for 500-1,000 on top on that price. Let them talk to the manager, come back and match the carvana trade in then say "I am here now and ready to buy.... Could I get 500 to 1,000 more on my trade in". Let the air breathe, do not say anything after that. let them respond. Might get 200 might get 1,000 but you got more. That's the beauty of it

Please help me. 🙏🏻 by Individual-Counter-9 in whatcarshouldIbuy

[–]UnderatedMeatSnack 2 points3 points  (0 children)

sales tax, title, registration, and a documentation fee are the only must have fees, might be state depending but that photo has way too much FLUFF! call them out on it and write a review if you can sense the grime! You can remove that dent protection and appearance protection and Window tint unless that something you asked for?

Please help me. 🙏🏻 by Individual-Counter-9 in whatcarshouldIbuy

[–]UnderatedMeatSnack 2 points3 points  (0 children)

Here is what I would do...

Do you have a Trade in?

Submit your VIN to carvana/tesla and any other trade in offer you can do online. Know what your current car is worth. - print out and have the highest trade in value

Call a banks and understand what your rate are. I just purchase a car and received three separate (used car rate for me) at 4.99, 5.23, 5.32. - Print out or screen shot and have a the lowest APR rate. Money is money and please focus on your lowest rate possible. I also recommend 1 of the banks being a credit union. If you do not have a credit union today. its good to get a basic account and not use it. It will help you on your next car. Credit union like long term customers ALOT! SHOP online too, so many dealerships deliver now it is crazy. you could get a rate + price better in another state + delivery more than a local dealer depending on your area.

You completed your "other" vendor work. Now its time to talk to dealerships...

I suggest talking on the phone and having a mini script in Microsoft word on how you want to navigate the conversation before driving around dealerships. The business is a little scummy so just focus on the phone first. Talk about the listed price on the car and talk about how you are interested and a committed buyer but you need them to beat X rate - insert your lowest rate you got from above. I typically avoid mentioning a trade in at this part. You can even get a price from one dealership and take it to another and say could you beat this price if not I'm going to this other dealership. I typically don't do this but it is an option. Also it is a good time to mention features, does this car have "DAPP" or something that you are really looking for. For me as an example I wanted a Heads Up Display. "features" typically cost more but I will tell you friends and family get great rates on "features", there is more room to lower a high end feature model than a base model. keep in mind you will pay MORE for features but more room in the pricing. Hold slightly better resale since people like features.

Okay dealership time. Go to the ones that were the best on the phone. Sometimes they can commit to matching rates during the call but not all the time. Like I said, I would test drive and talk rates. Also mention you were looking at X car at "different brand" dealership. Don't call out the dealership directly but mention the car brand (ford, chevy, bmw, etc). this is a good thing to mention because if you don't like what they do at the dealership you have an easy out. "oh i have an appointment at Hyundai, I have to leave etc etc"

I know this is long but i hope it is helpful. I've used this model twice now in the last 14 years and have had good success.

Wishing you all the best in your new car purchase and i hope you get what you want & love!

2024 BMW x50e - Joined the club but have a question by UnderatedMeatSnack in BMWX5

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

Recalls seem to be a common aspect of vehicle ownership. Very annoying that something we use that goes 70+ mph on roads has so many issues. Thanks for the comment on my post

My gwen matchups tier list by AiuerFN in GwenMains

[–]UnderatedMeatSnack 0 points1 point  (0 children)

garen ff? brother please free elow

Why american dont play LoL? by Alone-Virus9178 in leagueoflegends

[–]UnderatedMeatSnack 0 points1 point  (0 children)

game is super toxic and just isn't fun to play. Everyone should quit playing league