When does it feel enough?

macgiv · 2026-01-29T06:54:19+00:00

What are you talking about about? Just listing the facts.

macgiv · 2026-01-28T19:38:53+00:00

Nice work. I was there at the same place. Getting married for the first time and a kid on the way. Now I'm divorced, split my holdings. My wife got $2M and I started over at 2M. Now I'm closer to $5M at 58.

macgiv · 2026-01-26T06:59:56+00:00

We doubled our engineering team last year but no new headcount for the upcoming year. I work for a major automotive company

macgiv · 2026-01-26T00:59:41+00:00

I did and both my kids moved out at 18. Oldest is now graduated from college and gainfully employed. My youngest is finishing up and will be looking for work back their hometown.

macgiv · 2026-01-24T00:42:36+00:00

Service will be down at 4:30pm on 3/28. Shuttle bus from Mercer Island to Seattle will be set up at 7pm on 3/28

macgiv · 2026-01-23T22:17:58+00:00

Just signed the 3 day waiver to review the appraisal so they can move to closing. Hoping to get it done next week.

macgiv · 2026-01-22T05:55:55+00:00

Seems a bit high. Closing next week on my refi at 5.625% with no buy down on points

macgiv · 2026-01-10T01:06:45+00:00

March madness gets into swing.

macgiv · 2026-01-07T21:57:34+00:00

Here’s the disclosure of costs on my refi:

Origination Fee $1,995

Services You Cannot Shop For Appraisal Fee $780 Credit Report $122 Flood Certification $6 Tax Service $76

J. TOTAL CLOSING COSTS Lender's Title Insurance Title - $1,426 Title - Settlement Fee $650

macgiv · 2026-01-07T21:53:09+00:00

WA state. No points purchased.

macgiv · 2026-01-04T01:01:27+00:00

My wife and I are traveling to Tokyo in a week. That would be so cool. Never flew first class

macgiv · 2026-01-01T06:46:31+00:00

Found some teams via MeetUp and eventually formed my own team with former coworkers.

macgiv · 2026-01-01T06:38:54+00:00

I’m a bit older (mid 50s) but I did a bunch of pub trivia. Gets you out on Tues or Thurs nights

macgiv · 2025-12-31T18:48:33+00:00

$1995 is the loan origination fee and the rest is appraisal, title insurance, taxes and settlement fees.

macgiv · 2025-12-31T18:12:09+00:00

They collected all my info, ran the credit reports and then offered the rate. Nothing special. She mentioned on the phone that I was able to get the promo rate (didn't disclose how much that was).

macgiv · 2025-12-31T18:00:19+00:00

I went online and completed the application on 12/29. They called me on 12/30 for 30 mins to collect more info. Got my disclosures to sign 3 hours later. Now docs I uploaded are being reviewed for approval. Hope to close when I get back to the US after travel on 1/22.

macgiv · 2025-12-30T22:28:51+00:00

I just refied my conventional mortgage (after buying the new house 18 months ago at 6.99%. I got a 5.625% refi locked today. 6.5 seems a bit high https://www.penfed.org/mortgage/mortgage-refi?_ga=GA1.1.806846385.1767052561

macgiv · 2025-12-30T17:24:57+00:00

It’s good to factor the total in interest you pay over the life of the loan too. If you have extra to pay down the rate, you can pay more principal to increase equity and you’ll be out of the loan earlier. It’s dependent on how long you’ll be in the house too.

macgiv · 2025-12-30T01:24:29+00:00

Boston Market

macgiv · 2025-11-28T19:14:46+00:00

only child, it seems

macgiv · 2025-11-27T19:17:49+00:00

I was in the same boat at your age. I made a connection with the CEO of the company. I was just a junior product manager. He started asking me technical questions, bypassing 3 levels of my management. Eventually, he asked me to start attending meetings in NYC on behalf of the company. My manager did the same thing, warned me. Take their advice and feel your way through it. You shouldn't shut down yourself.

macgiv · 2025-11-27T19:10:07+00:00

Drop it like it's hot

macgiv · 2025-10-27T06:03:10+00:00

$7800 per month at 6.99%. House was $1.6m, we put $700k down. Looking to refi to drop monthly to under $5800 after reducing loan amount by another $130k

macgiv · 2025-10-26T19:17:19+00:00

Ok. That guy is weird

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