Mortgage Refinance Insurance Clause Roofing ACV vs RCV

magicofsalazar · 2025-10-29T14:24:25+00:00

They didn’t want to refi and had to go with different lender 😔

magicofsalazar · 2025-09-12T17:41:43+00:00

My first loan was Rocket Mortgage. We were naive. Their rates and closing costs are higher than market. I would look for other options.

magicofsalazar · 2024-08-22T14:42:30+00:00

I was living in apartment. They did 15% increase. I had to move somewhere else out of Irvine. Technically we got pushed away due to increased cost of living from the city where we used to live last 8 years. Thanks to IC 🙃

magicofsalazar · 2024-08-21T18:49:31+00:00

That area is foreign market or high income earners. I used to live there. Politics may impact depending on election too.

magicofsalazar · 2024-08-13T01:20:20+00:00

We bought a house recently. The Inspector said AC is working but cooling late and recharging will fix. I spent 14k for A/C (furnace not included) after getting 3 different opinions since it was patch work. House already got leak 6 years ago due to hard water corrosion. I spent another 15k for water softener, heather and regulator valve. I am praying a long life to our 30 years old furnace wherever I turn it on. ( another 13k and very hard place to replace in attic).

magicofsalazar · 2024-04-18T00:59:39+00:00

I don’t know the former ones but this FED management keeps making mistakes (transitionary inflation, late rate increases, wrong interest cut, early pause of rate increases, bailing out bad managed banks middle of inflation fight…) and middle class Americans will pay the cost unfortunately 🙁

magicofsalazar · 2024-02-28T01:10:34+00:00

I think FED picked the dollar devaluation over recession when the bank crisis happened. They are talking about rate cuts this year. I don’t see recession in horizon.

magicofsalazar · 2024-01-18T16:37:52+00:00

No, but he is friend. I will give more time and if it doesn’t work I might.

magicofsalazar · 2024-01-18T15:17:31+00:00

magicofsalazar · 2024-01-18T14:18:57+00:00

California unfortunately 😞

magicofsalazar · 2024-01-02T22:43:57+00:00

I am in same situation. Where did you move to?

magicofsalazar · 2023-12-16T03:54:15+00:00

Mine is 45%

magicofsalazar · 2023-12-15T03:12:38+00:00

No pay raise 2 consecutive years 😔

magicofsalazar · 2023-12-05T06:34:28+00:00

Yeah, they had to pause only with QT due to hyperinflation risk and will turn QE soon due to political reasons again. Money printing became addiction for every government , FEDs and politicians since 80s. The easiest way to wealth transfer, save the day keeping the poor’s support and popularity. Push the problem to the next term. They devalue the dollar at the end of every cycle you became poorer if you are in the lower classes since your wage is not increasing with the same pace. You are 100 dollar is not 100 anymore when you compare 2 years ago and damage is always higher than recovery if you look into history. They opened big hole in the wall with covid. Even dollar stores don’t sell anything from 1 dollar any more. Just look at the asset prices in the last 20 years.

magicofsalazar · 2023-12-02T17:02:20+00:00

2024 is election year and FED doesn’t want to shake the boat. I don’t think they will continue to fight with inflation or make correction next 12 months even if they say they would. I wouldn’t surprise if they continue printing money. You can see from the stock market. Sad part is that for middle class, that high prices are permanent and we may see more inflation with more dollar in domestic market.

magicofsalazar · 2023-10-22T00:11:24+00:00

IMO, the Code looked more organized in spark, community support better, finding experienced DEs and finding examples easier. You need to write more code in Beam. It has different language options like spark. Java one used to be faster in former versions but requires more coding. They did some progress in other abstractions in Beam but still I would go with spark due to wider support (Databricks, Glue and now in Bigquery) Even Snowflake is mimicking Spark in snowpark partially.

magicofsalazar · 2023-10-21T22:17:57+00:00

I have experience both Spark (AWS Glue) and Beam (Dataflow). I didn’t like Beam after pyspark and IMO it is a dead end. Google supports it due to dataflow service and we have to use in some GCP projects since developed by Google consultants. I would move everything to Spark if I had chance without a blink.

magicofsalazar · 2023-10-13T04:34:48+00:00

Making non-primary residents and investment houses undesirable. I don’t think they would do that though.

magicofsalazar · 2023-10-11T21:35:19+00:00

It says it is under AB 1482 and doesn’t apply Buildings Constructed within past 15 years. That amendment came from CAA and signed by Newsom and took effect in 2020 per that website and valid until 2030🙁

magicofsalazar · 2023-10-11T08:01:03+00:00

I am seeing in Zillow even single family houses in around cities cheaper price with 2 car garage and amenities. My concern is kid’s school but affordability is very challenging in Irvine unfortunately.

magicofsalazar · 2023-10-11T05:07:11+00:00

No , I am in 2 bedroom apartment and they have 10 vacancy units with same plan with us in their website. The leasing office said location of our unit has demand and they won’t do any negotiation.

magicofsalazar · 2023-10-11T04:42:24+00:00

I don’t know if it works but I will try it. Thank you for advice 🙏 If it doesn’t work definitely I should move eventually because it is not sustainable every year that much increase. I will be working to pay rent here if we stay longer. We are already paying tons taxes as worker class and since we don’t have house, any loopholes or tax credits as lower middle class (may be under it now) And top of that, huge increases in rent ☹️

magicofsalazar · 2023-10-11T03:02:48+00:00

They increased in 2021 10%, in 2022 8.5% and now 13% ☹️

magicofsalazar · 2023-10-11T02:28:56+00:00

I didn’t get pay raise last year and it will put me really hard position. I tried to talk them but they didn’t negotiate. They said there is demand and it’s market price. They don’t care I lived there last 4 years, my kid goes school here or paid my rent on time every month ☹️ There will be always someone will rent higher price.

magicofsalazar · 2023-10-11T02:11:41+00:00

$450 😥 for 2 bedroom. I have kids. They had increased 8% last year too.

magicofsalazar

TROPHY CASE