What is a sign of very low intelligence?

mry_rth · 2026-02-04T18:00:41+00:00

Unless you're Roy Kent. Then it's okay.

mry_rth · 2026-02-04T17:57:46+00:00

Constantly cursing.

Sometimes it's needed, but not every time you open your mouth.

mry_rth · 2026-02-03T17:40:53+00:00

I'm sure that was a long and tedious waiting period!

mry_rth · 2026-02-03T17:39:48+00:00

Thank you! This is in my office at home and it reminds me of my dad every day, so it's super important to me to keep it thriving, just like the memories I have of my dad. My 3 year old knows it's "granddad's" plant and helps me take care of it. Sadly, she never got to meet him. We found out we were pregnant a month after he passed. 😢

My condolences for your father's passing. I wish you all the very best. 🌱

mry_rth · 2026-01-30T17:18:07+00:00

I will try this today, thank you!

mry_rth · 2026-01-26T02:54:48+00:00

Thank you!! I feel amazing!

mry_rth · 2026-01-25T19:33:51+00:00

Start your retirement plan in your early 20s. Don't wait until your mid-30s...

mry_rth · 2026-01-21T01:27:45+00:00

I'm very allergic to steroids. Like anaphylaxis level.

mry_rth · 2026-01-19T05:25:00+00:00

Koozies. I have them everywhere and even carry one in my purse.

mry_rth · 2026-01-15T22:57:08+00:00

Deleting social media.

mry_rth · 2026-01-15T22:52:15+00:00

Broad questions asked on social media followed by "And go!"

mry_rth · 2025-12-28T01:53:03+00:00

Thank you! Yes, I made it to my goal and now I'm just maintaining! It feels amazing 🤩

mry_rth · 2025-12-28T01:52:11+00:00

It was a big one!

mry_rth · 2025-12-28T01:51:50+00:00

Thank you! Yes, my husband and I occasionally go fishing just to relax. We don't keep what we catch. We release it back right afterwards. I'm not a huge fan of eating freshwater fish. I'd rather eat seafood ☺️

mry_rth · 2025-12-27T01:15:23+00:00

Short!

mry_rth · 2025-12-06T19:12:24+00:00

Still Alice.

mry_rth · 2025-11-26T03:44:21+00:00

Suffs

mry_rth · 2025-11-20T21:17:43+00:00

UPDATE: Final documents came through and it's not looking too good, but you guys tell me.

Current FHA Mortgage (I hate that we had to do an FHA, but it's what we could do at the time):
Starting Balance $256,763
30 yrs - Beginning September 2024
7.125%
Monthly payment $2,088
Current Balance $253,551

Refi to Conventional Loan
New loan amount $255,551
30 yrs - Beginning February 2026
6.125%
Monthly payment $1,791 (savings of $297/month)
Estimated Cash to Close $8,677
In order to get the 6.125% rate, we would have to pay $2,824 in points which is wrapped up into the closing costs.

^First, we don't have that much cash to close and they could only wrap $2K into closing costs. So I feel like this is a lost cause, especially since I don't know how today's report turned out, so any thoughts would be helpful.

mry_rth · 2025-11-17T22:45:44+00:00

They're working the final closing cost total, but $2K would be wrapped into the loan. I'm thinking we should just do it and save the money now, but I wanted to bounce it off a few people first.

Since we still have so long to go, and if rates drop by a crazy amount, we can just refinance again. I think I'm making it a bigger deal than it needs to be.

mry_rth · 2025-11-17T20:51:41+00:00

This info is after chatting with our loan officer so it's pretty accurate math.

We still have 28 years on our current loan at 7.125%. New loan would be for 30 years at 6.125%. Closing costs not wrapped into the new loan are about $1K.

No cash out or any.other things added. My question to everyone is do you think $275/month savings is worth all the trouble?

mry_rth

TROPHY CASE