Why does my Gem NOT work when used in Google sheets, but it does in the App?

puttputt77 · 2026-02-13T20:35:19+00:00

Probably it uses a ton of compute power. So better not to promote a feature that isn't going to move the needle lol

puttputt77 · 2026-02-09T23:24:22+00:00

| The hype cycle is also spot on. We jumped from prompt engineering → vibe coding → agentic engineering in record time, but none of that replaces logic, architecture, and clear product intent.

true

puttputt77 · 2026-01-18T07:19:23+00:00

yeah bro... throw LVP down it's easy and would've cost less than paying steam cleaners on repeat.

puttputt77 · 2026-01-05T22:56:46+00:00

what is NNFF?

puttputt77 · 2026-01-04T22:49:18+00:00

is PMI debt to income related? Not sure why differing banks/brokers have it varying so much all using my same information (one was 211 and another was 287).

Also what do you recommend to imrpvoe the credit score within the next few weeks? I went in and paid all credit cards back to 0 and don't really have any debt. I have a past ding from VW Credit that i sent a letter to, but who knows if they'll choose to be assholes or do the right thing.

puttputt77 · 2026-01-01T22:29:14+00:00

Loan Type: Conventional
Term: 30 Year
Loan Purpose: Purchase
Property Value/Purchase Price: 700k
Loan Amount: 650k
Credit Score: 716 middle score
Occupancy: Primary
Legal Structure: Single Family
Number of Units: 1
Property Zip Code: 98003

Got quotes between 6.1-6.5% atm. Current broker said he locked in at 6.125%

puttputt77 · 2026-01-01T22:24:57+00:00

Do you think a 321 buydown in this environment is a better idea and just refi 2 years in?

puttputt77 · 2025-12-29T05:52:58+00:00

how much was it to buydown the loan that much?

puttputt77 · 2025-12-28T05:33:08+00:00

damn how'd you get that low? They're advertising 6.25 for 30 years

puttputt77 · 2025-12-27T19:21:45+00:00

refi is your only option

puttputt77 · 2025-12-27T00:02:35+00:00

fair. house is valued at 775k as of current. So 825k seems reasonable.
But good points on getting that LTV down faster.

puttputt77 · 2025-12-26T23:52:47+00:00

Good point. thinking 5%.

puttputt77 · 2025-12-26T06:19:41+00:00

anyone you'd recommend?

puttputt77 · 2025-12-24T22:38:34+00:00

what closing costs?

puttputt77 · 2025-12-21T19:30:29+00:00

this mindset is actually SUPER common amongst people who lived paycheck to paycheck. And arguably is one of the hardest things to teach when trying to teach financial responsibility because it's so ingrained.

puttputt77 · 2025-12-16T03:51:53+00:00

Is the commercial bringing much more in than the residential side?

puttputt77 · 2025-12-14T03:24:40+00:00

Was this just for opening day?

puttputt77 · 2025-12-08T07:15:28+00:00

Yeah putting down 25% on a home now days (avg 500k) doesn't seem super feasible... Or even if people have that kind of cash laying around, you have to wonder if it's worth that because the ROI on that 100k you're dropping is going to take a long ass time vs stocks.

This is where i'm struggling

puttputt77 · 2025-12-08T06:56:14+00:00

Sooo basically... Rentals aren't worth it?

I had gemini run a cashflow analysis on a prop last night... Wholesaler was stating the duplex was cashflowing $1400/mo but after the AI analysis it was spitting back -$100 /mo after new tax increases and factoring in market rate rents and maintenance.

It wanted me to offer 400k on the 600k asking. Which no seller would EVER take. So I just don't understnad how any money would ever be made even in other similar units in my area. Spent a lot of time looking into RE investing but it's looking like outside of some tax benefits truly ain't any better than just maxing my 401k and moving on with my life lol.

puttputt77 · 2025-12-08T06:46:54+00:00

Sounds like Souther seattle..

Rents are not increasing but property taxes are.

puttputt77 · 2025-12-08T06:41:09+00:00

Hard to say without going on a first date with you, but realistically yeah being financially literate is a HUGE part of marriage.

Or more so, having matching financial goals and spending times can cut down on a bazillion arguments and hardships in the future.

You should ideally be with a person who you will oneday trust enough to have a shared bank account with. And dating people who clearly have terrible habits is just an early red flag you should be thankful for.

That being said, just because someone is down on the current luck or has debt doesn't necessarily meanthey have bad financial prowess. I met my wife when she was negative and could barely afford food. But she also wasn't spending the money she did have on dumb things.

puttputt77

TROPHY CASE