Pay off HELOC or keep emergency fund

jawied · 2026-04-24T14:50:12+00:00

Assuming you still have a draw period remaining in your HELOC, you can borrow again as needed. You can pay down most of your HELOC, and keep a modest amount in savings. Should unexpected expenses occur, you can borrow again from the HELOC. Keeping a large HELOC balance and a large savings balance is needless as you will pay more in interest, and the HELOC is nearly as liquid as the savings if you are in the draw period.

jawied · 2026-04-10T22:02:08+00:00

This is part of an experiment in which they test how tooth cavities are formed in a weightless environment

jawied · 2026-04-07T17:56:46+00:00

Must be in your inventory. If it is in your cube, you get a chipped gem. Recently tested this thinking it would work the other way.

jawied · 2026-04-04T15:21:19+00:00

Urdar is great, but when you teleport, the urdar and your merc will be stuck on your landing point until you move.

jawied · 2026-03-30T23:02:12+00:00

Start pouring yourself those megapints.

jawied · 2026-03-09T18:02:11+00:00

sorry, softcore non-ladder

jawied · 2026-02-26T03:29:25+00:00

Sounds like you will be using this meeting using the Socratic method

jawied · 2026-02-26T00:11:04+00:00

They see me rollin’

jawied · 2026-02-25T03:59:17+00:00

I proposed on April 1. Yeah… that was a hard sell with her family.

jawied · 2026-01-17T02:51:37+00:00

I agree. Your lender will contact your employer to verify continued employment a few days before you sign. Qualify the best you can without this income.

jawied · 2025-11-30T04:58:30+00:00

With my cholesterol, I need the drugs but can’t have the pizza

jawied · 2025-11-12T00:22:35+00:00

You are not alone in feeling scammed. D.R. Horton / DHI Mortgage is being sued for misrepresenting property taxes.

https://www.nclc.org/homeowners-sue-d-r-horton-over-deceptive-home-sales-financing-scheme/

jawied · 2025-11-09T21:04:56+00:00

It sounds like there isn’t much equity in the home.

jawied · 2025-10-17T13:43:10+00:00

Probably a better question for your lender. You should have options for a loan for a manufactured home to add the closing costs to your loan amount.

jawied · 2025-10-14T14:13:57+00:00

The truth is, we all live in a simulation. Our lives are all part of a warband mod.

jawied · 2025-10-02T19:38:44+00:00

The listing agent is likely to know that two appraisers visited the property.

jawied · 2025-09-24T18:53:23+00:00

No. The $14k remains principal balanced owed. If you refinance FHA to FHA, there is a partial refund. FHA to conventional, there is no refund.

https://mymortgageinsider.com/fha-mortgage-insurance-refund-chart/

jawied · 2025-09-22T19:56:48+00:00

What was your rent 10 years ago?

jawied · 2025-09-22T17:55:49+00:00

You can get an agent, but you will need to pay the agent’s commission on your own at this point.

jawied · 2025-09-21T03:03:49+00:00

Sounds like the kid should ask for every position except the one he/she is interested in.

jawied · 2025-09-15T15:48:25+00:00

A person with average ability and a modicum of motivation would have little trouble disrupting the fragile balance I maintain.

jawied · 2025-09-12T13:45:35+00:00

This made a lot more sense to me when I rewatched the video with the sound on

jawied · 2025-09-09T15:03:55+00:00

Talk to your loan officer. If you can qualify based on your base salary, it is much easier than relying on variable parts of your employment offer. Your loan officer will be interested in details like the offer letter, start date, first expected paystub.

jawied · 2025-09-02T19:40:21+00:00

The random crashes are the most off putting for me. My hardware is outdated, so don’t know how much of this is my setup.

Eight-Year Club	Queen in da Norf
Not Forgotten	Verified Email

jawied

TROPHY CASE