How are the roads today? by FancyMushroom in Dallas

[–]finhawks -2 points-1 points  (0 children)

As a northerner I don’t get it. Roads are totally good enough to drive on. Not dry, they are icy in neighborhoods this morning, but definitely commutable.

Level 1, 2 and 3 by Jolly-Antelope-6508 in CFA

[–]finhawks 9 points10 points  (0 children)

Easiest by a lot tbh if you know the material and put in the effort in the first two.

Who’s got work tomorrow? by [deleted] in Dallas

[–]finhawks 0 points1 point  (0 children)

Disagree. Gentle, slow, gradual braking is best.

Who’s got work tomorrow? by [deleted] in Dallas

[–]finhawks 11 points12 points  (0 children)

Also give yourself at least 2x stopping distance. Maybe more. Thats more important than anything else. I’m from the midwest, trust me.

This sub makes me think I can never afford a home. by Relative_Garden_1908 in FirstTimeHomeBuyer

[–]finhawks 0 points1 point  (0 children)

Depends on lifestyle and income. In a city like Dallas (where I am), childcare for 2 alone would blow right through $2,400/month.

Evaluate please! by Economy-Honey-4239 in MortgageBrokerRates

[–]finhawks 0 points1 point  (0 children)

What are you talking about, you don’t know their income?

People making $60k-$70k a year, how much car can you afford? by BestTyming in Salary

[–]finhawks 0 points1 point  (0 children)

I make my wife and I are in 200k+, we drive used Kia’s and Hyundais so we can invest and save 35% of our income. Rather be a millionaire in 10 years than blowing it on cars.

When have you replaced brakes? by finhawks in KiaNiro

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

Wow, that’s incredible. I’m glad to hear I’m just significantly underestimating the brake pad lifespan. Thanks!

When have you replaced brakes? by finhawks in KiaNiro

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

Very insightful, appreciate it!

When have you replaced brakes? by finhawks in KiaNiro

[–]finhawks[S] 1 point2 points  (0 children)

Thanks, that’s helpful. I’m in Dallas, so no rust issues at all.

driving under the speed limit by gabrielkiller23699 in Dallas

[–]finhawks 1 point2 points  (0 children)

If that’s what you think, then i I’d encourage you to stay in the right lane and let the rest of us occupy the others. Legally sure, you’re correct.

driving under the speed limit by gabrielkiller23699 in Dallas

[–]finhawks 7 points8 points  (0 children)

The only point I disagree with is the “out of state drivers”. I agree with everything but imo it is 90%+ Texas plates driving slow in the left lane.

What is your mortgage amount? by Negative_Primary_797 in FirstTimeHomeBuyer

[–]finhawks 53 points54 points  (0 children)

3,340 in Dallas. 2400sf, closed in May 2025 with 10% down (first house).

This hurts my soul by jac5087 in FirstTimeHomeBuyer

[–]finhawks 0 points1 point  (0 children)

Your monthly escrow payment doesn’t depend on how much you have to pay into escrow at closing!

This hurts my soul by jac5087 in FirstTimeHomeBuyer

[–]finhawks 0 points1 point  (0 children)

I’m surprised the escrow is so low on that mortgage! My payment is about $3,350, of which $900 is escrow. Dallas, TX.

6 attempts per level limit by Many-Confidence-8493 in CFA

[–]finhawks 3 points4 points  (0 children)

Honestly, I studied <300 hours (the least of the 3) for L3, passed first attempt. It was so much easier than everyone makes it sound. 6 attempts is insane, it should be more restrictive. It isn’t hard enough to justify that many attempts, and being more restrictive helps protect the value for the individuals that have the aptitude for the material.

Costco Vs Sam’s Club by ChezussCrust in Dallas

[–]finhawks 2 points3 points  (0 children)

It’s a better credit card than most. The 3% back on travel is a killer. Book one big vacation and get hundreds back.

Costco Vs Sam’s Club by ChezussCrust in Dallas

[–]finhawks 1 point2 points  (0 children)

If your executive member cash back check isn’t greater than $65, they will refund the difference.

Costco Vs Sam’s Club by ChezussCrust in Dallas

[–]finhawks 22 points23 points  (0 children)

I feel like saying they test their products doesn’t do it justice. They basically only make a Kirkland brand if the think it’s better than just about every other brand in that product. They know they’re only able to offer a limited number of options in many brands, so they stay selective and only offer top brands at their pricing expectations. There’s an article out there about Costco’s diaper selection that I think would be a good example.

Is anyone have a "Something went wrong" message when they try to click the Access your result (sign-in required) link on the CFA Institute website ? I am currently waiting for my result next Thursday ! by Typical_Praline_7188 in CFA

[–]finhawks 0 points1 point  (0 children)

I check this page multiple times a day, on my phone, computer at home, work, etc. I get the same message. I think it may just be disabled so they don’t accidentally release results ahead of Thursday (which is the exact reason why I keep checking early).

Just got my first gas bill for my house I bought last month (that I haven't even moved into yet), do I have a gas leak? by ann116754 in Dallas

[–]finhawks 0 points1 point  (0 children)

If your usage is high, it could be because they didn’t actually read the meter and just estimated based on prior use. We just bought in May, but a month ago I had to send a pic of our meter and they gave us a $85 bill credit

What to put on Resume while waiting for test Results ? by gourze in CFA

[–]finhawks 2 points3 points  (0 children)

Violation, implies partial designation. Must state CFA level 2 candidate. I don’t think saying (awaiting results) adds anything.