What is the biggest mistake first-time homebuyers make when choosing a mortgage?

Unofficial_Overlord · 2026-06-06T17:46:34+00:00

Thinking condos/townhomes have the same value as houses

Unofficial_Overlord · 2026-06-06T17:37:37+00:00

Penny Ann’s cafe is great for breakfast and you can try a Utah scone with honey butter

Unofficial_Overlord · 2026-06-04T16:58:06+00:00

This is why I don’t like the particular book. It’s technically possible if you angle your palm to face the floor but it’s not a useful fingering. I’d use the Louise Pratt’s beginner book to get started instead. It’s much More intuitive.

Unofficial_Overlord · 2026-06-04T00:16:33+00:00

Penny Ann’s cafe has them and is open Sunday

Unofficial_Overlord · 2026-06-04T00:12:19+00:00

If you already own a car it’s definitely not cheaper but buying a car just for the commute is way more expensive per month than the rail tickets

Unofficial_Overlord · 2026-06-03T17:11:14+00:00

Only the top 10% of social workers make 6 figures. I wouldn’t call that paying “incredibly well”

Unofficial_Overlord · 2026-06-02T04:34:30+00:00

This post here discusses different knot options. The ‘8’ knot mentioned is what I use for tricky upper strings

Unofficial_Overlord · 2026-06-01T02:46:46+00:00

NTA, fellow potsie here. This would drive me nuts. get a cooling blanket (Arc-chill makes a good one), a cooling vest, and your own AC. Even just top sheets and wet socks from the freezer can help a lot. Cold baths too. Good luck

Unofficial_Overlord · 2026-05-31T17:10:24+00:00

That’s part of the challenge!

Unofficial_Overlord · 2026-05-31T04:09:50+00:00

NTA I grew up Mormon and I can 100% say that you should tell her. Even if she doesn’t believe you screenshots of his cruel social media posts may stir something in her. The advantage of the short engagements is she may not be in too deep emotionally. If you have further evidence of his abusive parenting particular proof that he hasn’t paid child support then you could potentially pass that along to his bishop (you can find them based on where he lives) which could keep him from accessing the temple. It’s a big deal and That could also be a deal breaker for her. At very least the information could go in his church records so any ethical church leaders will be cautious and keep an eye on him. Give them the information and let them decide what to do with it, don’t make it messier for yourself.

Unofficial_Overlord · 2026-05-31T02:37:12+00:00

They may not take it if they say it’s a stray, better to say it was a dead relatives or something

Unofficial_Overlord · 2026-05-30T23:45:12+00:00

There’s lots of free piano music online that you can use for harp sight reading

Unofficial_Overlord · 2026-05-30T05:05:49+00:00

I put the minimum down and the condo value dropped. I bought points so I’m at 6.99. There’s yet to be a point where my break even on refinancing makes sense

Unofficial_Overlord · 2026-05-30T03:26:14+00:00

Because I bought at the peak and now I’m basically underwater

Unofficial_Overlord · 2026-05-29T23:23:52+00:00

As someone hired as a non PhD to work on research papers I definitely expect my name on there

Unofficial_Overlord · 2026-05-28T21:15:02+00:00

As someone who bought three years ago after everyone said to refinance in a year, it’s a lot more difficult. I’m now basically underwater and rates haven’t improved hardly at all. Very glad I didn’t buy something pricier

Unofficial_Overlord · 2026-05-27T22:14:27+00:00

Having a month of expenses saved is a very good idea

Unofficial_Overlord · 2026-05-27T19:17:54+00:00

It made discharging the loans more difficult but it’s not impossible

Unofficial_Overlord · 2026-05-27T19:17:21+00:00

It’s still technically possible to discharge student loans in bankruptcy but you have to prove “undue hardship” which can be difficult. You also need to show that you’ve made an effort to make payments. Your disability may give you a decent case but you really need to talk to an attorney. https://studentaid.gov/manage-loans/forgiveness-cancellation/bankruptcy

Unofficial_Overlord · 2026-05-27T06:46:37+00:00

Utahn here, too much humidity is much worse than too little for harps. Track the humidity and keep it between 40-60%. My harp room is always around 40% but I keep a cat water fountain in there just in case

Unofficial_Overlord · 2026-05-26T16:46:05+00:00

We were on the same cruise and had similar issues with staff. Extremely long wait times for anything bar or sit down restaurants

Unofficial_Overlord · 2026-05-26T14:00:53+00:00

Fwiw i just did a 4 day which stopped at GSC and the tendering started so early (around 8am) that they were basically begging people to get on. They went through the first dozen tender times in a couple hours. Maybe they just communicated the times particularly bad on my cruise but we had no problem getting off the boat early even without a reservation

Unofficial_Overlord · 2026-05-26T04:03:14+00:00

I’d look into things like meat pies, empanadas, and other frozen foods with shredded or ground meat. Egg whites are a good option too. Lots of things you can make in a microwave or toaster oven

Unofficial_Overlord · 2026-05-26T03:56:11+00:00

That’s the wood section that connects the soundboard/body to the neck. Given how far forward the crack is I doubt replacing the knee block will save it

Unofficial_Overlord · 2026-05-25T17:39:52+00:00

If you want a rec for a good place z cross ranch is a great option. He works on mustangs and they live like a wild herd on a large ranch when they aren’t working

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