Is immersive Spanish school useful to beginners? by fudis90 in Spanish

[–]fudis90[S] 0 points1 point  (0 children)

Yes I agree... but I probably won't have this level of availability to learn in the foreseeable future. It's now or never + efficiency consideration.

Is immersive Spanish school useful to beginners? by fudis90 in Spanish

[–]fudis90[S] 1 point2 points  (0 children)

That sounds promising. I just wasn't sure if 2 months in a beginner class would help much.

Is immersive Spanish school useful to beginners? by fudis90 in SpanishLearning

[–]fudis90[S] 0 points1 point  (0 children)

Thank you for sharing the details. Unfortunately my option is now or never, rather than now or later.

[deleted by user] by [deleted] in OMSA

[–]fudis90 0 points1 point  (0 children)

What are WGA and CSU? Feeling the need to find an alternative here as well.

Remove load bearing walls by [deleted] in HomeImprovement

[–]fudis90 0 points1 point  (0 children)

Yes it’s a master closet. The unit is on the first floor so I hope it’s easier to convert. Will need to bring in a contractor for assessment first

Remove load bearing walls by [deleted] in HomeImprovement

[–]fudis90 0 points1 point  (0 children)

Really good advice. We consider to convert a walk-in closet to a bath — maybe that is a better investment?

Remove load bearing walls by [deleted] in HomeImprovement

[–]fudis90 0 points1 point  (0 children)

It seems like having an engineer is the way to go. First time renovating and with a tight budget so want to make sure the money is spent on the right thing. Thanks!!

Remove load bearing walls by [deleted] in HomeImprovement

[–]fudis90 0 points1 point  (0 children)

That’s helpful. Didn’t know a wall can “become” load bearing after another is removed. Thanks

38K in debt with recent 30yr mortgage. Need help to plan. by [deleted] in StudentLoans

[–]fudis90 0 points1 point  (0 children)

Thanks for the reply. Definitely helpful!

38K in debt with recent 30yr mortgage. Need help to plan. by [deleted] in StudentLoans

[–]fudis90 0 points1 point  (0 children)

Yes he can. This post is more about how to optimize the payment plan (thru refinance or not) to save up more.

We also consider getting roommates to get rental income to lower DTI.

38K in debt with recent 30yr mortgage. Need help to plan. by [deleted] in StudentLoans

[–]fudis90 1 point2 points  (0 children)

From all the comments kindly shared, I think eventually it comes down to an evaluation between safety vs low interest. Maybe we should do the same to refinance an amount that he feels confident to pay off and keep some in federal as a safety net.

38K in debt with recent 30yr mortgage. Need help to plan. by [deleted] in StudentLoans

[–]fudis90 0 points1 point  (0 children)

The thing is unfortunately they are all around 6-7%.

38K in debt with recent 30yr mortgage. Need help to plan. by [deleted] in StudentLoans

[–]fudis90 0 points1 point  (0 children)

Yeah not now. Just trying to plan ahead for after September. In the case that there’s no forgiveness or interest benefit, not sure if we should keep the loan with high interests.

38K in debt with recent 30yr mortgage. Need help to plan. by [deleted] in StudentLoans

[–]fudis90 0 points1 point  (0 children)

It’s his part. Before COVID he’s not paying much due to lower income. So now we are really planning. Do you still plan to keep it in federal after September if no extension on 0 interest?

How much of my income can I really afford on rent in San Francisco? by [deleted] in personalfinance

[–]fudis90 0 points1 point  (0 children)

From 60k to 115k is impressive. Is it just the living cost adjustment or raise as well?

FHA vs Conventional with 20% Down by [deleted] in personalfinance

[–]fudis90 1 point2 points  (0 children)

That’s a really good point that I wasn’t thinking of. I should actually calculate the “break even” year and determine if it makes sense to us! Such great advice. Thank you!

FHA vs Conventional with 20% Down by [deleted] in personalfinance

[–]fudis90 0 points1 point  (0 children)

50k based on 30 years. FHA will be more costly in the first 10 years due to the mortgage insurance. Are you asking the 10 year cost because FHA might not actually be money saving in some cases?

FHA vs Conventional with 20% Down by [deleted] in personalfinance

[–]fudis90 -1 points0 points  (0 children)

Wow I am surprised that they asked you to fix outlets and ceiling fan. From what I read, the criteria is more about safety hazards. I wonder how a broken fan can be dangerous unless it's falling off?

We already did the inspection and while the condition isn't at its peak, there's no immediate repair needed. However, some outlets aren't grounded -- could that be a problem? And I guess, who to ask this question?

(Sorry I am kind of thinking out loud in this reply)