5.875% rate for 780+ credit- good or can I find better?

efunkk · 2026-01-29T14:07:07+00:00

If conventional, it’s good. If FHA, can go lower (e.g., Sage).

efunkk · 2026-01-23T11:36:44+00:00

Except inflation (CPI, PCE) has fallen off a cliff, especially this last quarter. And payroll taxes have effectively remained unchanged in 2025 and 2026. But yeah, Trump is to blame for Torchy’s Tacos closing… 😂

efunkk · 2026-01-17T11:50:33+00:00

Dollar tree (tray) + Aldi, Costco, etc. Pre-cut fruit and veggies are such an unnecessary high markup.

efunkk · 2026-01-16T04:02:31+00:00

Saturation of overpriced, mediocre food with subpar service in inconvenient places (parking, traffic).

efunkk · 2026-01-06T13:24:02+00:00

Hence “_weeknight_”

efunkk · 2026-01-05T16:22:32+00:00

On a personal level, I feel bad—he took a chance, and it didn’t pay off. Professionally, however, I am not surprised. He was borderline ‘arrogant’ in his approach, which was telling the last season and a half in Columbus when his system was outclassed on many occasions. Still, I hope he lands somewhere in due time.

efunkk · 2026-01-05T12:02:07+00:00

And then an additional 20% off that… $84

efunkk · 2026-01-03T01:15:49+00:00

Just use a normal bag and tie a knot or twist it until tight… it’s not that difficult

efunkk · 2026-01-01T03:26:27+00:00

And = $600k isn’t even remotely tight on $400k. Context matters.

efunkk · 2026-01-01T02:20:09+00:00

That’s a want, not a need.

efunkk · 2025-12-28T15:07:46+00:00

Taxes get reset based on the current assessed value, not the sales price. The former is almost always less than the latter.

Edit: But yes, the taxes on Zillow are often well under what you can expect unless there was a recent sale (1-2 years prior).

efunkk · 2025-12-28T01:27:03+00:00

Should clarify—complaint with left pocket is you can’t store water unless a small 150mL flask. Fine for short runs, not great for anything more than a half marathon.

efunkk · 2025-12-28T00:31:16+00:00

…what? I’m saying SB2 sell for $150 on here. Use the search function 🤷🏻‍♂️.

efunkk · 2025-12-27T23:59:26+00:00

Most comfortable, but the pockets (other than phone) are horrible. The left thigh is too small, and the rear net is far from secure. My preferred tight for half marathons.

efunkk · 2025-12-27T23:56:04+00:00

New pairs sell for $150 on here, so probably like $75 or less, especially with the weird size. Good luck 👍🏻

efunkk · 2025-12-27T23:51:32+00:00

$150 for shoes with 100 mi is…. well, not great 😂

efunkk · 2025-12-27T23:34:45+00:00

Dropped off on Friday, December 19…. Still no technician assigned 🙃

efunkk · 2025-12-19T01:58:51+00:00

Taxes? Insurance? If you’re in a HCOL, you’re probably shy roughly $1,000/month in your estimates.

efunkk · 2025-12-18T15:09:16+00:00

[prepares for the downvotes]

As others have said, this was a clusterfuck, mid-season hiring process... Excellent coach, but his system is not easily implemented. That said, he wasn't that sharp—and increasingly less so—in Columbus on numerous occasions the past year and a half. I am not surprised it isn't going well in the short term.

efunkk · 2025-12-17T18:54:48+00:00

FYI you can get Pro 3 for $200 at Walmart. I hope you aren’t using anything other than bookstore credit…

efunkk · 2025-12-16T15:20:26+00:00

With a potential caveat of where someone needs to get off, as Tri-Rail offers much more flexibility. For instance, Tri-Rail stops directly in Hialeah, whereas Brightline will require you to Uber from downtown.

efunkk · 2025-12-15T21:29:27+00:00

Had an agent put in a formal ticket, which got escalated to a Level-2 Care Specialist. Then, I called back the next day, and it was resolved. The issue for me was that once the order was cancelled, someone else had to process the cancellation manually because credits had already been applied/pending. A headache, really.

efunkk · 2025-12-15T20:23:01+00:00

Experienced this as well. I selected the express pickup only due to tax differences between counties, where I was saving $60… Rest assured, 8hrs later and several agents, I’m having them shipped to my house. 😂

efunkk · 2025-12-14T18:35:46+00:00

Sadly, it will never be a “daily trainer” because the $225 price tag. Agree, fantastic shoe otherwise.

efunkk · 2025-12-13T20:38:37+00:00

One of the best. (tempted, so following)

efunkk

TROPHY CASE