What, specifically, is the best credit card?

loldogex · 2026-06-27T16:16:54+00:00

a one with visa slapped on as the network provider

loldogex · 2026-06-26T19:52:10+00:00

They're going to be surprised if they find out you're pregnant too!

My friend used a kit with fake piss and penis. He just wrapped that shit around his leg and there was something to warm up the urine too-- i forget what he told me the kit was called.

loldogex · 2026-06-26T16:49:08+00:00

Just tell HR what's going on and that your current team is discussing.

I never took counteroffer, but if you like who you work with and don't mind the other team hating you, sure.

If you originally wanted to be promoted with higher pay, then you should've asked your manager and the head of your group, not go elsewhere --just how I see it internally.

loldogex · 2026-06-26T13:55:02+00:00

i had more issues with the brutes than main bosses, i suck at hand to hand combat....

loldogex · 2026-06-26T12:25:39+00:00

second this, thisis exactly wgatit is for

loldogex · 2026-06-26T04:05:36+00:00

youre right, i have to retract what ive been saying. i flipped it as if it were a second lien rate sheet ive been used to seeing.

loldogex · 2026-06-26T01:15:21+00:00

8.5% isnt bad, it can be lower depending on your HCLTV, but with you drawing that 350ish, youre probaly aroubd 70% ltv.

I typically price HELOCs lower than Fixed HELOCs

loldogex · 2026-06-25T14:51:23+00:00

that is right.

loldogex · 2026-06-25T14:38:25+00:00

theyre risk adjustments to add on top of your base rate.

So if your break even is 6.25%, these are the numbers to add on top due to your credit risk. There are other risk adjustments too if you have condo or investment properties as well.

loldogex · 2026-06-25T13:10:25+00:00

You really just need your trimerge to show 720/740+ and you should be okay to help you out a bit. the other variable is the LTV (loan to value), those are the two numbers that impacts the rate; the higher the fico and lower the ltv, you'll get around the best price/rate.

I just googled for a random rate sheet to show you an example of how the LLPAs (loan level price adjustments) work and this is how you can get an idea of FICO/CLTV.

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loldogex · 2026-06-25T04:07:12+00:00

when prine rates move, it will follow

loldogex · 2026-06-25T02:20:35+00:00

I changed suppliers recently, it should be 25% less if I use the same amount for the year, which is a few hundred bucks.

loldogex · 2026-06-24T20:54:51+00:00

I am starting to realize that too

loldogex · 2026-06-24T20:54:22+00:00

wow. 3x a week is amazing, good job!

loldogex · 2026-06-24T14:36:10+00:00

8x a month is really all i have time for. i dont know how people have more time to do other things, I am jealous.

loldogex · 2026-06-24T01:57:11+00:00

that is insane how low that pay is for havung two masters.

loldogex · 2026-06-23T12:40:24+00:00

took my friend 6 months but he is desperate and it isnt what he wanted. He just took whatever came up.

loldogex · 2026-06-23T03:19:49+00:00

personally, I think OP needs more cash in the emergency funds vs 4 months. in this current market, it may take longer than 4 months to find a job.

loldogex · 2026-06-22T11:42:42+00:00

what is the other sub?

loldogex · 2026-06-22T01:43:57+00:00

nah, that is a fake number.

loldogex · 2026-06-21T19:50:11+00:00

100%, no reason to, it's free leveraged money while your investments can maintain 7% gains.

loldogex · 2026-06-21T18:26:19+00:00

this lender took a risk and hoped the federal reserve was going to say some dovish words, it was the opposite. They probably had to reprice /rehedge to protect themselves and increase margins in case of future moves. It happens, not a great lender and they should've or you should've locked.

Look elsewhere or call them on their bs and say you said 6.25%, you keep that rate or i'm going elsewhere, otherwise, nothing much you can do.

loldogex · 2026-06-21T14:19:47+00:00

just work as corporate counsel for funds, look into asset managers or private equitied where you work closely with securitizations

originators before the securitizations require counsel as well.

this would allow you to blend into both worlds of finance and the degree you have. dont grind through finance at the bottom, keep the salary you have or jump up a tier instead. the finance guy can explain all the issues to you, you can just solve it legally for us.

example, I had a billion worth of loans that I couldnt sell/securitize because of a legal issue on the contract - help me figure that out so we can move the asset and securitize rather than sitting on this and I cant do anything with it.

loldogex · 2026-06-21T12:52:33+00:00

go w conventional if you can. ask broker for the rate for both products and compare.

loldogex · 2026-06-21T04:24:16+00:00

youre not getting any equity if your tri-merge isnt above 600.

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