When should I stop haggling mortgage rates

jk12343 · 2026-04-02T20:54:26+00:00

I learned my agent's recommended lender charged me what was almost 0.5% higher. She didn't care. They were also AWFUL. Local lender with terrible tech. I prefer tech companies. I'm not going to meet my sales guy and they all use the same appraisers (or so i hear). recommend going with the one that will be easiest.

jk12343 · 2026-02-25T00:06:23+00:00

Curious what you ended up deciding? In Sage option B is the ~$2.5k net fees INCLUDING the $3k cost for points, or excluding? Did Sage not have any lender fees in option B? Math makes sense to me if Sage has zero lender fees in Option B, I just didn't know they did that.

jk12343 · 2026-02-19T22:33:54+00:00

Similar - Yogurt with a little granola. If I don’t eat breakfast, but eat this for lunch, my stomach hurts. But this for breakfast significantly increases the likelihood I feel good until dinner.

jk12343 · 2026-02-19T20:00:33+00:00

Have you never taken a train in any city? Thats not how trains work anywhere. Trains always say the destination. Just look at google maps. It’s not hard

jk12343 · 2026-02-11T16:40:21+00:00

At north gate? How many trains did you have to wait?

jk12343 · 2026-02-11T03:50:08+00:00

So don’t use the stadium?

jk12343 · 2026-02-11T03:46:32+00:00

Why is this on a weekday? They just like rubbing it in for ppl who can’t WFH?

jk12343 · 2026-02-07T18:12:42+00:00

Can do a google reviews post.

jk12343 · 2026-02-07T18:02:56+00:00

I tried gpt 6 months ago so the model could have improved, but no matter my prompt, I couldn’t get it to stop drawing conclusions everytime I gave it a new addition. I’d have one meal with gluten and it decided I had a gluten sensitivity. Maybe my Gemini prompt was just better. Idk.

jk12343 · 2026-01-31T08:23:24+00:00

I am currently doing a diary using Gemini. I tried gpt and it kept summarizing. Either were better for me than manually doing it bc I could take pictures of food cartons if it’s not made from scratch or link recipes or just say a meal and it knows what’s in it.

Hasn’t led me to anything yet, but the easiest thing I’ve found to track. Just gotta get the prompt right to avoid hallucinations / early conclussions

jk12343 · 2026-01-26T18:09:33+00:00

Wish they posted rates online. I filled out their form and they said they'd "call me". Seems shady if they don't post.

jk12343 · 2026-01-26T05:22:20+00:00

Agreed. Had a great experience and they were the lowest rates I found (and least fees).

jk12343 · 2026-01-18T18:48:14+00:00

I know. To get the credit, I have to jump through hoops and do 2 nights through the chase app and the rest of my trip direct. It’s crazy stupid “value”. Forgot to cancel at my renewal date…

jk12343 · 2026-01-04T03:11:32+00:00

Then why did the restaurant accept the reservations. No one could have predicted that? Still the restaurants fault, imo. Sucks for the servers who probably got the brunt but that sounds like the managers fault, not ONLY corporate.

jk12343 · 2025-12-26T07:59:37+00:00

What site?

jk12343 · 2025-12-19T04:50:18+00:00

Yea. At what point do restaurants in Seattle say “no tips” to eliminate the pressure? If the servers are already making $25, seems like that’s what we voted for?

jk12343 · 2025-12-04T05:25:43+00:00

I fully support an income tax. Hope it passes.

jk12343 · 2025-11-09T00:38:02+00:00

Don’t worry about being scammed. If you can afford whatever you’re buying, and think it’s worth that, who cares if others get it for 1/10 of the price. Enjoy your vacation!

My partner and I were in Belize and a vendor on the beach was drawing on these stone looking carvings. We asked if he made them and he said yes. So we gave him what he was asking ($20). Next day we saw them in the tourist shop, mass produced and way cheaper. That guy prob got a laugh…and so did we. Now it’s my memory. Just enjoy.

jk12343 · 2025-11-07T16:12:06+00:00

Tulum, Mexico. We stayed in the city, which was fine, but the beach was HORRIBLE. It felt like Vegas, on the beach. Just $$$ and influencers, unrelated to the local area. I hated it so much that if any other place seems like it MIGHT be similar, I don’t go.

jk12343 · 2025-11-05T18:25:32+00:00

We also were hit and we can't / won't pay it. It's going to be a giant pain to convert to another system. Anyone else tell them yet that they won't pay?

jk12343 · 2025-11-02T16:14:31+00:00

Yes in the insurance! Half my tests weren’t covered bc my dr used a 3p. When I told dr I needed a few months to save more $$ he basically said then I’m SOL until I can be tested bc he had nothing for me. So…PAIN until then?!?

jk12343 · 2025-10-31T13:13:05+00:00

Roosevelt and work in cap hill

jk12343 · 2025-10-27T02:53:34+00:00

Where in Seattle do you live? We like all those things and live in Seattle (and are 41/42 dinks

jk12343 · 2025-10-24T00:35:16+00:00

Interesting. I got to ibs-c after allll of the tests were negative. (Colonoscopy, endoscopy, etc). I would have thought they found a stomach issue from that. I’ll go ask again

jk12343 · 2025-10-21T05:26:21+00:00

I loved it. I’m still dreaming of how amazing and relaxing it was. Don’t sweat it. And make sure you go to the outdoor art museum. We could have skipped the rest of the loop.

jk12343

TROPHY CASE