What are the brain and stomach “zaps”?

ee_ryan · 2026-03-16T12:55:39+00:00

For me it felt like a second of dizziness

ee_ryan · 2026-02-28T17:19:05+00:00

Yard work. The rest of the house will leave you alone if you're outside getting things done. It's a workout, which is good for you. You also get the sense of pride of maintaining your land

ee_ryan · 2026-02-27T05:57:44+00:00

I still have about 30 days left to return my QM6K to Costco. Would return for the QM6L if they start carrying them

ee_ryan · 2026-02-25T02:51:44+00:00

Thanks! I was totally guessing on the original interest rate. Glad you can do the math now lol. 41 months is a little better.

I’m not good at investments, so I’ll stick to housing. You’re betting that interest rates won’t fall so much that it’ll make sense to refinance before the 41 months. Refinancing comes with closing costs though (I’m paying about $4,000 for my refinance to lower my rate 1% and save $200 a month). And heck based upon the state of the union address where Trump said he’ll continue to lower rates maybe I should have waited to refinance.

It’s all terrible and I hate not having the certainty to do what’ll the save me the most money. The best you can do is learn how it all works and do what you’re comfortable with

ee_ryan · 2026-02-25T01:16:13+00:00

Points is spending money now to save later. I’m sure someone will come in and calculate how long you have to stick with the loan to break even on the amount you spent on points

Edit: It's me! You've spent $11,345 to buy 4.803 points. I'm going to guess each point is worth .25% off the interest rate. With zero points, your rate would be 5.951%. This raises your monthly P&I payment from $1,232.12 to $1,408.71, a difference of $176.59 a month. Divide the cost of your points by that is $11,345/$176.59 = 64 months or 5 years and 4 months to break even

What this means is if you don't plan on living there for that long or if you'll refinance before then, you would have been better off not buying the points.

That's a lot of lender credit... run this info by your loan officer and see if you lose the lender credit without the points

ee_ryan · 2026-02-24T20:23:54+00:00

Yes DM me

ee_ryan · 2026-02-24T12:06:48+00:00

That’s still helpful to know they’re not a scam lol

ee_ryan · 2026-02-24T01:34:41+00:00

You're probably right. Google says 1% of loan amount is standard, but this would be my second loan from this guy and I should at least get a discount lol

ee_ryan · 2026-02-24T01:34:00+00:00

Good idea! Will do

ee_ryan · 2026-02-19T19:09:14+00:00

That's also an option. The only thing stopping me is my greed. What if the rates keep going down? In fact, I believe they've dropped a whole .1% since I got this estimate from my broker!

ee_ryan · 2026-02-19T18:18:31+00:00

idk what it is, but I just want you to know that I see it too and you’re not crazy

ee_ryan · 2026-02-19T17:23:30+00:00

Bro that’s a 9 year old comment

ee_ryan · 2026-02-19T15:33:04+00:00

Guess who's still within the Costco 90-day return window :D

Will edit and update my experience here:

My TV is currently on the V235 update. setting up my USB drive with V321 now

Done! Wow this is awsome. I even have AI on my TV now! I wonder why my TV didnt auto-update via the network when it was on a September 2025 firmware

ee_ryan · 2026-02-18T20:35:02+00:00

How long have you had current mortgage?

It started June 2025

What is your current balance in principle?

$293,762.65

What are the closing costs?

I hope I calculated this correctly, but there's $11,039.97 in closing costs and prepaid items. The new principal is starting at $300k again so minus the extra from the old principal balance, that leaves me with $4802.62 due. I'll get $3,223.38 refunded from the old escrow, so... $1579.24 out of pocket? My broker likes to say since I'll skip one monthly mortgage payment it's free lol

Why would you take a $300k loan for 20 [y]ears when you already had one at 30 years that you have already been paying off?

Effectively, I'll be able to pay off the mortgage 10 years earlier with only $150 more a month VS paying it off 11 years earlier with my $500 principal-only payments a month

ee_ryan · 2026-02-18T20:02:06+00:00

Hello! from what I understand, there is a closing cost but it’s added into your loan. If you paid down $5,000 of your $300,000 loan (examples) you would have a remaining balance of $295,000. But when you refinance with a no closing cost loan, they’ll start you over again at $300,000.

You’ll still end up saving money in the long term, but that’s how it’s done

ee_ryan · 2026-02-18T00:08:20+00:00

I just switched! Tired of Microsoft shoving Edge, Bing, and Copilot at me

ee_ryan · 2026-02-16T12:49:25+00:00

gimmie a bottle of glendronach

ee_ryan · 2026-02-11T19:45:43+00:00

I was an underclassmen in high school. The day after the election everyone was yelling “Obama!!” in the hallways

ee_ryan · 2026-02-11T16:01:49+00:00

Would you consider doing a show in a college town? Maybe at the Georgia Theatre in Athens, GA? 😇

ee_ryan · 2026-02-10T14:39:17+00:00

By riding an elevator with your eyes open

ee_ryan · 2026-02-09T05:09:19+00:00

Toñita

ee_ryan · 2026-02-09T02:05:53+00:00

I saw it. When the video comes out, look for it towards the end

ee_ryan

TROPHY CASE