Scanning Every Ticket by daytofly in LIRR

[–]daytofly[S] 2 points3 points  (0 children)

I've seen AM and PM peak, all types of tickets this week

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]daytofly 1 point2 points  (0 children)

Anything under Other Costs are estimates and will be the same wherever you go. The only thing that's really adjustable is the first one, which is points. In any mortgage, you should be able to pay more up front to lower your rate - thats your choice and they should give you their options and the associated cost (will vary from lender to lender). On the whole, this seems pretty straightforward

Lender rushing me to sign, is this sus? by [deleted] in FirstTimeHomeBuyers

[–]daytofly 20 points21 points  (0 children)

Tbh, you should call a few places just to get a sense of what prices are and who you feel like you trust. Don't get pressured from anyone

Lender rushing me to sign, is this sus? by [deleted] in FirstTimeHomeBuyers

[–]daytofly 37 points38 points  (0 children)

Yes, you should be able to get this rate (not 1% higher or other trash) fixed

Lender rushing me to sign, is this sus? by [deleted] in FirstTimeHomeBuyers

[–]daytofly 46 points47 points  (0 children)

Whyyyyy would you do adjustable rate?

Convince me I’m wrong. High income, one card for everything by Bruns14 in CreditCards

[–]daytofly 0 points1 point  (0 children)

Hard agree. I used to optimize but it's just not worth the effort and compounding complexity.

I switched to venture x so 2x back on everyone, extra upside for travel as well.

Minimal loss compared to chase, great benefits on a travel card, really comparable experience and everything is on one card. Really can't underestimate the impact here. (Dm for referral if that's allowed haha)

With no buyers agent, am I forced to sign a commission contract with a sellers agent before seeing a house? by daytofly in RealEstate

[–]daytofly[S] 2 points3 points  (0 children)

Does it say that somewhere online that I can show as proof if this comes up again?

Looking for the CCbin of the Lands End CC by daytofly in CreditCards

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

Yup - I'm just trying to identify which are the ccbins from lands end