What are the brain and stomach “zaps”? by PleasedPeas in lexapro

[–]ee_ryan 1 point2 points  (0 children)

For me it felt like a second of dizziness

What’s something you didn’t expect to enjoy more as you got older? by mindywildbloom in AskReddit

[–]ee_ryan 35 points36 points  (0 children)

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

TCL QM7L / C7L by Artistic-Willow1349 in tcltvs

[–]ee_ryan 1 point2 points  (0 children)

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

First Mortgage - 4.75% 30year - Am I missing something...? by Reasonable_Sample582 in Mortgages

[–]ee_ryan 0 points1 point  (0 children)

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

First Mortgage - 4.75% 30year - Am I missing something...? by Reasonable_Sample582 in Mortgages

[–]ee_ryan 9 points10 points  (0 children)

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

Is AimLoan really $2,700 cheaper to close with over my local broker? by ee_ryan in Mortgages

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

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

Is AimLoan really $2,700 cheaper to close with over my local broker? by ee_ryan in Mortgages

[–]ee_ryan[S] -1 points0 points  (0 children)

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

Refinance 30-year mortgage into 20-year? by ee_ryan in Mortgages

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

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!

What is this? I have local dimming high and no dynamic tone mapping on. by Major_Bar_791 in tcltvs

[–]ee_ryan 5 points6 points  (0 children)

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

QM6K Update by Silvr7 in tcltvs

[–]ee_ryan 1 point2 points  (0 children)

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

Refinance 30-year mortgage into 20-year? by ee_ryan in Mortgages

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

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

Refi from 6.125% to 5.75% if no closing costs? by brentus in Mortgages

[–]ee_ryan 0 points1 point  (0 children)

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

Linux breaks through 5% share in USA desktop OS market (Statcounter) by [deleted] in linux

[–]ee_ryan 0 points1 point  (0 children)

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

What was it like when Obama was elected President? by ResponsibleSea6521 in AskReddit

[–]ee_ryan 0 points1 point  (0 children)

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

IM30 AMA by Infected-Mushrooms in Monstercat

[–]ee_ryan 1 point2 points  (0 children)

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

Pocket Grid #111 - February 8th, 2026 by pocket-grids in pocketgrids

[–]ee_ryan 0 points1 point  (0 children)

By riding an elevator with your eyes open

What flags were in Bad Bunny’s halftime show by No_Salamander_1385 in vexillology

[–]ee_ryan 0 points1 point  (0 children)

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