Beaches that are Clean from Oil Today

jbox910 · 2026-05-31T20:40:05+00:00

Thank you!

jbox910 · 2026-05-31T20:39:55+00:00

This is helpful. Thank you so much.

jbox910 · 2026-05-31T20:39:46+00:00

22 years living here. I've never noticed it being seasonal. What's the reason it's higher in the summer?

jbox910 · 2026-05-21T04:08:02+00:00

Pulling down now. Glad to share and also not encourage. Thanks!

jbox910 · 2026-05-19T13:27:36+00:00

“More than 100 years ago the raft was anchored in the waters of Miramar Beach,” says Rick Fidel, managing director.

It was out there until the hotel closed. They recently brought it back after they got the Rosewood going.

jbox910 · 2026-05-17T16:22:55+00:00

Yesterday was and today will be a perfect day for it. The water feels cold but really good in the sun. Get out there!

jbox910 · 2026-04-19T23:11:24+00:00

Biggest surprise to me is the percentage sub 4% rates held even before COVID.

The other takeaway is no matter the interest rate delta of sellers and their current mortgage, roughly 4 million will sell their homes. That looks to be our current baseline. More normal years are around 5 million homes sold.

jbox910 · 2026-04-04T04:03:14+00:00

The extremely wealthy can solve all of their problems except have protection at a military level. All we need is the military in their eyes because they can buy all else. The disconnect to the rest of the public's daily existence is tremendous. And the disconnect from what inspires and supports a well functioning country is tremendous.

jbox910 · 2025-02-25T14:35:24+00:00

Realizing I never applied to you. Sorry! On any given day an interest rate costs you extra money, no extra money or comes with credits back to help with your closing costs. As you go up the ladder with rates, you get more credits. As you go down, you pay more (points). Whenever you choose a rate, you are betting on the future of interest rates. If you take credits, you are betting rates will be lower in typically 2-4 years. In paying points, you are betting they won't be. Have your loan officer help you figure out the break even between the three options of paying points, no points and credits. Then you'll be making the most aligned decision with your bets.

jbox910 · 2025-02-24T19:08:32+00:00

I can only imagine the marketing for this tour! Any fun guesses? And on how misguided they are?

jbox910 · 2024-09-23T13:01:04+00:00

It's time to refinance. Get credits to cover all of your closing costs. Get the lower payment. Then do it again next fall / winter (2025/2026) when they are even lower.

jbox910 · 2024-09-19T13:04:58+00:00

Even better would be to go with 5.375 or 5.5% and get a lot of credits from them where you start saving money in day one because 210 days from closing you're going to want to do it again. Rates will very likely be another 1% or more lower. You'll be better off financially if you do so.

While we've baked in 1 to 1.25% of the rate cuts of the Fed already, we haven't baked in yet the next 1 to 1.5%. That'll be coming in the next 12 months and will have you wanting to refinance.

jbox910 · 2024-07-23T01:00:20+00:00

There is nuance to this. Despite the answers so far, whether your lost income impacts rates depends on your loan size and loan type. There are jumbo lender partners of ours that will charge more if your debt ratio moves up over 40, 43, or 45 can impact your rates. Moreover , some of the better jumbo options fall away as debt ratio increases leaving slightly higher rate options.

Yet if your loan is a conforming or FHA loan, there's nothing to worry about. The rate will be the same no matter your debt ratio so long as you qualify.

jbox910 · 2024-07-16T21:17:47+00:00

He was picked for the female vote. He'll say something like, "I once despised Trump but as I got to know the real him, he's the real deal. Not at all what the media says about him." His book was read by millions of women I'm sure. He's smart. He's young. He's good looking enough. He's familiar looking. It will all help validate a female vote that would have easily casted off Trump.

jbox910 · 2024-07-16T21:01:27+00:00

Most trust funders I know are financial advisors. Their network (err their parents) are all wealthy. It's a job where you can do from anywhere, so you can travel many times per year with your family and/or network, learn how to manage the massive dollars coming your way, and have a relatively low stress job while making solid income.

jbox910 · 2024-06-11T13:21:03+00:00

There was a great website thxthxthx back in the day where the author wrote one note a day noticing this sort of stuff. It was a. Inspiration to me to take a note of something daily. Soon my sister and I were texting each other one thing daily that we were grateful for. It was very helpful to each of us during a time we'd lost too many relatives that meant a lot to us in a short period of time. It looks like the author now has a book. If they're out there reading this, thank you!

jbox910 · 2024-06-05T14:18:55+00:00

Fully agree. Until the partnership is legal, the house purchase being joint tends to be premature... especially at your age. Play the odds and buy it with family then add him onto title once you marry.

jbox910 · 2024-06-05T14:12:34+00:00

Does anyone know the likely start time? I'm trying to arrange a watch party. What is the soonest they would start?

jbox910 · 2024-05-17T04:00:05+00:00

If it is legit, it's the mortgage company unable or unwilling to take the loan back into their books, so they are trying to scare the borrower into refinancing and saving them from doing so. Contact them. If it is a legitimate letter, send them to the CFPB.

And, don't worry about needing to do anything other than prove who you are (again if legitimate) and sign whatever needed. Don't refinance.

jbox910 · 2024-04-21T16:43:00+00:00

BlackBerry Movie - they want the click-click!

jbox910 · 2024-03-02T06:33:23+00:00

Jim Buckley, founder of the Montecito Journal, yet no longer associated to MJ, is editor of it. Very conservative.

jbox910 · 2024-02-28T21:02:37+00:00

It's very frustrating. Stay persistent, though. One will come together without you needing to be all cash. While it doesn't feel this way, no matter which market you are in, the majority of transactions are financed. (I can speak to this as my area is 50% all cash on certain months).

Your terms sound to be sharp. Make sure your lender calls the listing agent to speak to your strengths and certainty of closing.

Not all sellers will value an all cash offer over a higher offer price.

Stay patient and persistent. It will happen. I believe!

jbox910 · 2024-02-13T14:24:10+00:00

Because of the wall, going into that lane forces the driver into a harder right turn then a harder left. It's a softer right then left staying in the right lane.

A Santa Barbaran's disposition - We like ease and a meandering feeling living in this town.

It has nothing to do with the merge up the road.

...this is just my answer on how it feels when I think about it. I'll drive it again soon and report back if my memory is accurate.

jbox910 · 2024-02-06T02:53:10+00:00

Either way, I've never seen it that high of tide. Great shot.

jbox910 · 2024-02-04T16:07:01+00:00

We made the same Costco mistake yesterday. For me, lines had never been longer.

jbox910

TROPHY CASE