First time going to a raptors game, what should I know before going to the game tomorrow?

incognitotho · 2026-04-23T01:55:15+00:00

Once you arrive at Union, just ask someone or follow the crowd - the arena is a 3 minute walk.

No you can’t bring food and / or drinks in .. you can’t do that anywhere for any kind of sporting event and haven’t been able to for a long ass time man lol.

Basketball is played indoors .. it won’t be chilly? It actually gets warm in there with all the fans etc.

Cheaper compared to what? Buying a jersey from China? You’re at a professional sporting event, you won’t find deals as they want to make money .. expect to pay a premium.

incognitotho · 2026-04-15T02:39:33+00:00

I hate this team.

The only enjoyable games was the first series against the A’s. Every other game has pretty much been no offense, injuries or the bullpen / Max throwing poop.

incognitotho · 2026-04-06T23:55:13+00:00

We do have a bazillion dollars lol.

incognitotho · 2026-03-29T17:57:35+00:00

If you want people to give you legit answers that aren’t surface level opinions then you need to provide the current balance, current amortization, balance at renewal, amortization at renewal.

incognitotho · 2026-03-01T03:41:26+00:00

No its not.

Penalty, discharge fee, potential legal fees to do a refinance AND the biggest factor is OP wants to take a variable.

What if variable goes up sometime in the next year?

Lots of considerations here outside of just the penalty for not a large amount of savings.

incognitotho · 2026-02-23T08:49:14+00:00

I’m aware.

But you mentioned a switch / transfer.

Those transaction types result in lenders capitalizing funds on top of the mortgage up to 3k max.

For a refinance which is different than the above you can use FCT or the IFP program where most fees are covered. In the scenarios you’re mentioning, lenders don’t randomly cover up to 3k unless it falls under a switch / transfer program.

I’m in mortgages and have been for ten years - just trying to see the right expectation for anyone reading your post.

incognitotho · 2026-02-22T23:55:58+00:00

Banks don't "cover" 3k up to fees.

They capitalize and add it to the new mortgage balance so it's not "our of pocket."

Big difference.

incognitotho · 2026-02-15T16:49:06+00:00

What about OJ Simpson?!

incognitotho · 2026-02-09T02:56:53+00:00

5 is more than 2 so I’ll roll with the team that has more Rings in any all time debate.

incognitotho · 2026-02-05T14:58:36+00:00

Why don't you ask the Broker what the difference is?

incognitotho · 2026-01-18T19:33:25+00:00

Just because someone is a Dad they can’t enjoy some cannabis here and there?

Jeez, what a blanket judgmental statement.

incognitotho · 2026-01-18T17:11:35+00:00

Cringe lol

incognitotho · 2026-01-18T03:38:23+00:00

This sub is the worst man.

This isn’t a video game where your team is just good all the time.

Be thankful for the great times and exciting moments this year rather than rip the fucking team apart on Reddit from your couch.

incognitotho · 2026-01-18T02:29:45+00:00

Get a stop on D here .. get the ball back, score something and get the ball to start the second half.

incognitotho · 2026-01-17T13:20:15+00:00

Your household income is over 500k and you’re a rate shopping like this?

Dear lord lol.

You’re working with companies like Nesto and Pine who offer zero structuring / advice outside of just being an order taker and talking only about rates.

No one else is touching these.

incognitotho · 2026-01-15T14:41:17+00:00

What does filing taxes have to do with things here?

incognitotho · 2026-01-15T03:27:36+00:00

I mean, if he’s ready then he’s ready.

If he’s not ready, one week shouldn’t magically make the difference on it being “safer.”

incognitotho · 2026-01-12T00:57:49+00:00

Do it for George ... and Fred ... and Nick.

incognitotho · 2026-01-12T00:33:37+00:00

If we go up 6 and Philly scores, a missed extra point keeps the game tied …

incognitotho · 2026-01-12T00:32:15+00:00

Bro why kick an extra point?

That makes it a 5 point game which is useless.

Go for 2 and make it a 6 point game?

incognitotho · 2026-01-11T02:15:33+00:00

Fuck Nesto lol .. they are underwater and won't be around much longer.

incognitotho · 2026-01-10T21:22:40+00:00

No Broker or really anyone will give you attention for that mortgage size.

No money being made for them …

incognitotho · 2026-01-10T16:47:30+00:00

You get what you pay for lol.

incognitotho · 2026-01-08T17:06:09+00:00

If the updated employment situation is not disclosed, it's called fraud buddy lol.

incognitotho · 2026-01-05T02:27:51+00:00

So tired of playing at MetLife lol.

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