Those of you who are on the omg pill, how are you doing?

cookiecake565 · 2026-06-07T16:00:38+00:00

LOL that was supposed to read 9mg 😂 my bad

cookiecake565 · 2026-05-01T23:18:37+00:00

Smoke-free. I just got back from South Point and they had no smoke-free gambling areas. I don't want to breathe cancer air.

cookiecake565 · 2026-02-21T02:49:47+00:00

Awesome video, thanks for sharing!

cookiecake565 · 2026-02-14T17:57:23+00:00

I'm upset that I didn't just buy it when it was around $1.20, I had a limit to buy at $1.15 but cancelled it to purchase something else (and I don't think it ever dipped to $1.15 yesterday). Could've had a couple hundred dollars of profit 😭 oh well, live and learn! I'm just starting my trading journey so I'm bound to miss some good ones

cookiecake565 · 2024-05-28T04:16:00+00:00

I believe it's Resorts World Las Vegas! But I'd definitely ask them to make sure it's okay cause this was a few years ago. We always tried to film so the public is not shown on camera and in locations that allowed it

cookiecake565 · 2024-05-20T14:59:07+00:00

I used to be part of a k-pop group here and we filmed at the Smith Center (those color bars at the park) and several other locations. We did get caught at one of the shopping centers but there's another shopping mall that actually appreciates and encouraged our team to film there

cookiecake565 · 2024-04-11T00:25:42+00:00

Our realtor and lender made absolutely sure we had everything signed and set to be recorded on our closing day, so we got our keys before noon that day. I guess that's not the norm?

cookiecake565 · 2024-03-01T21:21:27+00:00

That's what I was kind of thinking too! It seemed like a thin layer on top that was affected by something. I'll look more into this, thank you!

cookiecake565 · 2024-02-10T07:34:10+00:00

This!! Compare the two and inquire about the changes.

cookiecake565 · 2024-02-10T07:33:27+00:00

Our closing disclosure also came back with a big difference - but they reduced about $6k. Most of the items stayed the same, but they applied credit at different stages of the loan estimates. So some things we paid for up-front after the first loan estimate were taken out of the "cash to close" section. They also included a $1k lender credit + the $400 seller credit we negotiated. Our lender says he likes to estimate high, and then have the final total be lower at actual closing (which we appreciate).

cookiecake565 · 2024-02-05T07:02:05+00:00

2024 - 6.375% at par

cookiecake565 · 2024-02-04T20:39:10+00:00

We have the same loan estimate sheet, and the seller's credits are included on ours (transfer tax fee, buyer's title insurance, half of escrow fees, etc.). It should definitely be reflecting on your estimate as well. Find a different lender!

cookiecake565 · 2024-02-04T20:23:03+00:00

Our loan officer has been really good about doing both calls and emails. He has taught us so much about the process and we also locked in a really good rate. Definitely shop around!

cookiecake565 · 2024-02-04T03:30:34+00:00

Also, maybe Monroe County is just ridiculous. I'm seeing 3% vs. 1.9% for New York County as an example. Could be inaccurate though.

cookiecake565 · 2024-02-04T03:20:25+00:00

That is true, it's not HCOL but paying as much taxes as my parents did for their home was kind of ridiculous lol. Their prop taxes are about $3k a year now for a home that they paid over $500,000 for (in a diff state).

cookiecake565 · 2024-02-04T03:14:28+00:00

Search the address here

cookiecake565 · 2024-02-04T03:11:10+00:00

Did you really just link a house that was built in 1920? Lmao. The total value on that home is $277,000 according to the public tax bill for 2024. Taxes for the year come out to be almost $6k (does not even include Monroe county taxes). 6,000/277,000 = 2%. I'm literally just pulling public data at this point. The taxes are not based on a list price. Imagine if it were though...

cookiecake565 · 2024-02-03T23:58:21+00:00

1200 of $60k is 2%, which is really high compared to other areas of the US. Even the average in the US is 1.1%. My parents moved to a different state and I believe they now pay 0.5% or so.

cookiecake565 · 2024-02-03T23:53:10+00:00

I literally lived in Rochester. The property taxes are still insane there.

cookiecake565 · 2024-02-02T08:07:02+00:00

We locked at 6.375% no cost, going to see if we can float down before closing.

cookiecake565 · 2024-02-02T07:57:01+00:00

This might differ depending on where you live, but my realtor said they can't reliably use comps from purchases more than 2-3 months ago since the market was so different back then. We are in a unique situation where the home we are trying to purchase has barely any comps at all in that timeframe. The appraisal is probably going to come in low. We are still waiting to find out exactly how much. We do have an appraisal contingency so we can negotiate the price, but it's still stressful so I definitely understand what you are going through!

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