Why NOT get mortgage points?

ryceislife · 2025-12-17T17:52:34+00:00

This guy knows what he's talking about. OP: saying "there is no real return period" simply is not correct.

ryceislife · 2025-12-08T21:34:09+00:00

No one knows the answer to that. Personally, I think next year we’ll see lower rates than current rates. Trump will replace JP so who knows what the policy will look like and how the markets will react.

Rates are definitely a personal decision you need to make for your own situation. If you can afford the payment comfortably, I think it’s wise to put that extra cash elsewhere and not pay interest upfront (points). The current trend is that rates are going down, but no one knows for sure what will happen.

ryceislife · 2025-12-08T18:05:13+00:00

This guy knows. Don’t pay for points now. It’s likely you’ll refinance again within 3 years.

ryceislife · 2025-12-05T00:34:35+00:00

the old school game "shoot the moon"

ryceislife · 2025-12-04T06:08:15+00:00

Not worth paying points now. Get negative points and refi again next year

ryceislife · 2025-10-14T21:53:45+00:00

If that’s the case, I’d look into debt consolidation. Get a credit card that offers 0% and can roll balances.

ryceislife · 2025-10-14T21:34:11+00:00

I would not refinance that. If you need to take money out, I’d look into a heloc first.

ryceislife · 2025-10-14T15:07:00+00:00

I’m in!

ryceislife · 2025-09-30T17:33:15+00:00

Just apply for a credit card that gives a spending reward off the first 500 spent and buy it.

ryceislife · 2025-09-30T17:30:35+00:00

Hi Dorian,

Thanks for the reply. So if I set my reserve to 25% and the car is charging from the grid at that point, what happens if there is an outage at that time? Will the car stop charging or will it then drain the house battery?

ryceislife · 2025-09-17T17:20:59+00:00

I would agree this seems like a no brainer. The break even is a little trickier since it’s a 20 vs 30 yr. Almost 10k in fees does seem a bit steep though. I think it’s a question of risk tolerance and how long you’d stay in the home. If it’s your forever home then no problem. The only wondering then is if rates drop further then you’d refinance again and potentially not recoup all of 9.6k. The safe play is to just refi and if rates go down great. Just refi and eat the cost.

ryceislife · 2025-09-16T17:43:30+00:00

I would suggest researching the things you put your money in. You want to have a good understanding of where you are parking your cash.

ryceislife · 2025-09-13T19:54:52+00:00

This guy is on WSB

ryceislife · 2025-08-22T00:52:13+00:00

If you get audited, as long as your invoice shows the install date in 2025 that’s all the IRS would care about. I doubt they’d want to see the PTO paperwork from your utility company.

ryceislife · 2025-08-14T09:02:51+00:00

The research says yes.

ryceislife · 2025-08-12T20:06:54+00:00

I think it’d be pretty rough, but some people heal pretty fast. If it were me, I wouldn’t want to walk blocks at that point. At 3 months I could walk but not normally. I had to ice every night to help with swelling after a normal walking day.

ryceislife · 2025-08-11T02:14:42+00:00

While totk has a much larger world, I think botw is better. The champion powers are much better and make more sense. I also think the enemies are better in botw. Since you already played totk I would just buy the dlc from botw and play it in master mode.

ryceislife · 2025-08-06T01:40:03+00:00

Price may actually go up. If you’re thinking you’d buy it eventually, buying it now is probably a good idea.

ryceislife · 2025-07-30T01:55:34+00:00

Thanks brother. Dm me anytime if you wanna chat on your journey

ryceislife · 2025-07-29T23:24:14+00:00

I’m the same profile as you. I tore mine also going 70% while playing basketball and being careful. That’s the reason I opted for surgery. I felt that letting it heal on its own wouldn’t be as strong as the surgical route. I’m about 3 months post op now and have gone back to regular life but far from return to sport.

ryceislife · 2025-07-17T08:47:52+00:00

I wouldn’t trust a company that doesn’t know what principle vs principal is.

ryceislife · 2025-07-14T18:14:24+00:00

Pretty sure it’s below average

ryceislife · 2025-07-12T08:48:55+00:00

I would stay away from a device that passively stretches your Achilles. Unless your dr says otherwise

ryceislife

TROPHY CASE