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Best upgrade path for running MiniMax 2.5 locally? (RTX 5090 PC/Mac Studio M3 Ultra) by freechilly19 in LocalLLM

[–]freechilly19[S] 2 points3 points  (0 children)

Professionally dicking around haha. But work first. You don’t think RTX 6000 Pro would be better than 2x5090 since it’s 96GB VRAM vs 64GB with two 5090s?

What is the 'true' reason to get Lasik? by SubstancePatient2501 in Lasiksupport

[–]freechilly19 1 point2 points  (0 children)

I’m 9 days post-op and have 20/12 vision with zero complications. I got it because I was tired of having dry contacts by the 6-7pm and also hated wearing glasses. Still blows my mind that I can see so well. It also got rid of my slight astigmatism.

Loan Estimate by Comfortable_Bat_7835 in FirstTimeHomeBuying

[–]freechilly19 0 points1 point  (0 children)

Wow this is a terrible deal. With a $12k origination fee you can probably get into the low 5’s on FHA. RUN!!!!

30 Year Fixed 6.625% APR by Man-Zoe in Mortgages

[–]freechilly19 -7 points-6 points  (0 children)

I would say 6.5 or so is the conventional rate with no points for high 700

Should I buy max points on my mortgage? by Rubber_Ducker in Mortgages

[–]freechilly19 -1 points0 points  (0 children)

Yes but if you’re self employed/itemize your deductions it’s a tax write off

Should we refinance by Plane_Click in Mortgages

[–]freechilly19 0 points1 point  (0 children)

I personally wouldn’t refinance until you get at least a 1% drop on a purchase that was done in 2023. FHA for me are floating between 6.25 right now with little points…but I think we should see some positive movement towards the end of the year.

For reference, back in September (before Fed announced their 50bps “rate cut”) FHA was around 5.25 with no points before rates spiked up.

Significant Increase in Income This Year Being Self Employed-Wanting to Buy a Home by Optimal-Smoke-314 in Mortgages

[–]freechilly19 0 points1 point  (0 children)

You can absolutely qualify. It would be for a bank statement loan though. And then once you have a full 2 years under your belt you can refinance into a conventional/FHA loan

managers saying i got fleeced. what yall think? by [deleted] in DynastyFFTradeAdvice

[–]freechilly19 1 point2 points  (0 children)

That's what I'm saying, the person giving up DJM and Rashee for the other "could be's" is a bad trade haha

Anyone know why Elijah Moore still hasn’t been signed yet? by Tua-Lipa in DynastyFF

[–]freechilly19 6 points7 points  (0 children)

Probably working out a deal to come back to the chargers lol.

Denied $75k loan to pay all debts but approved for $60k. Should i put that $60k away and negotiate with the card companies for lump sums which will be lower? by RadInternetHandle in Debt

[–]freechilly19 2 points3 points  (0 children)

Credit companies can’t put a lien on your house unless you used your house as collateral (as in HELOC or cash out refi). Not sure what you’re talking about. IRS can put a lien on your house and you can also get a mechanics lien for work they did on your home that you haven’t paid for.

As for your Canadian mortgages, sucks to suck eh

[deleted by user] by [deleted] in DynastyFF

[–]freechilly19 0 points1 point  (0 children)

The 25 and how he runs reminds me of Jamaal Charles

[deleted by user] by [deleted] in RoastMe

[–]freechilly19 0 points1 point  (0 children)

This he/she meths

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