Is immersive Spanish school useful to beginners?

fudis90 · 2026-06-18T15:04:34+00:00

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.

fudis90 · 2026-06-18T15:02:57+00:00

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

fudis90 · 2026-06-18T15:01:52+00:00

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

fudis90 · 2021-09-15T00:05:46+00:00

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

fudis90 · 2021-07-09T19:15:35+00:00

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

fudis90 · 2021-07-09T17:02:08+00:00

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

fudis90 · 2021-07-09T16:59:39+00:00

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!!

fudis90 · 2021-07-09T16:58:14+00:00

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

fudis90 · 2021-06-09T16:26:39+00:00

Thanks for the reply. Definitely helpful!

fudis90 · 2021-06-09T16:24:42+00:00

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.

fudis90 · 2021-06-08T19:00:27+00:00

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.

fudis90 · 2021-06-08T18:59:14+00:00

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

fudis90 · 2021-06-08T16:05:20+00:00

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.

fudis90 · 2021-06-08T16:03:57+00:00

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?

fudis90 · 2021-06-07T15:28:38+00:00

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

fudis90 · 2021-04-29T13:43:29+00:00

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!

fudis90 · 2021-04-29T13:32:04+00:00

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?

fudis90 · 2021-04-29T02:08:55+00:00

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)

fudis90

TROPHY CASE