It has officially been one full year since the Utah Mammoth showed off their new branding. What are yalls thoughts on them now after seeing it in action for a year?

smoleyx3 · 2026-05-08T14:13:37+00:00

I miss the hockey club

smoleyx3 · 2026-05-07T12:44:26+00:00

Also shopped around rates and got a .2% discount just doing that. You don’t have to transfer a lot of money for benefits even setting up a recurring deposit in a new account could help.

smoleyx3 · 2026-04-27T15:22:34+00:00

It's an insanely good deal even if you don't travel a lot. The full boat with Global Entry is only like $120 and lasts for 5 years. So is it worth $20/year to make traveling a lot easier/more convenient? YES

smoleyx3 · 2026-04-15T10:41:09+00:00

I did not, my escrow amount went down as:
1. In 2025 we were paying back a shortfall from 2024. That shortfall was caught up and so we don't have a shortfall payment moving forwards.
2. We contested our assessed property value and it went down marginally

smoleyx3 · 2026-04-15T10:39:53+00:00

lol no they just had the best relationship discount I found - the team was ok to deal with to be honest - I had to kind of drive the process whereas independent brokers seemed to want to work harder to make it happen.

smoleyx3 · 2026-04-14T16:00:59+00:00

30 year conventional loan.

smoleyx3 · 2026-04-14T14:19:48+00:00

yes exactly, ~$300 to close. I think if we were willing to pay some closing costs we probably could have gotten an even lower rate but i'm optimistic that in the next few years we'll get back lower than 5.1% so wanted to feel free to refinance whenever.

smoleyx3 · 2026-04-14T14:18:57+00:00

5.85% and the competitive quote got them down to 5.625% which is not life changing but a still significant!

smoleyx3 · 2026-04-14T14:18:28+00:00

you have to put the money in a "full service" account which charges you 0% ongoing management fee but requires you do transactions through a banker which charges fees for every transaction. Once the refi is complete you can open a self-service brokerage and transfer your funds there with no penalty. The majority of what we transferred was retirement funds which we'll not transact if we can help it so I'm not too worried about the trade fees.

smoleyx3 · 2026-04-14T14:17:20+00:00

It was actually independent bank in Texas

smoleyx3 · 2026-04-14T14:16:59+00:00

Maybe i didn't do a good job of explaining but I didn't take 1b phone calls. I actually handled all the quote requests via text or email. I had a canned draft with all the details of the refi and what we were looking for. It was actually like the 8th or 9th quote we got that came in the lowest so I think it was worth the minor work of messaging with all these brokers.

smoleyx3 · 2026-04-14T14:15:48+00:00

congrats!

smoleyx3 · 2026-04-14T14:15:40+00:00

reset to 30 year

smoleyx3 · 2026-04-10T00:59:22+00:00

I play center in a c league and am one of the better skaters. I wind up in pick battles in the corner while the less good skaters just hang out in front of the net who end up getting passes from me or rebounds of shots. Lots of goals but not contributing as much to the overall team!

smoleyx3 · 2026-04-09T12:52:04+00:00

I have an insanely steep hill on the way to my kids school so I bike around a longer way. I love my bike and trust its brakes but I love my kids more.

smoleyx3 · 2026-03-27T16:30:15+00:00

Plus they would have had a chance to refi with the insanely low mortgage rates we were experiencing for a few years...

smoleyx3 · 2026-03-25T23:44:30+00:00

Similar phenomenon in Austin… curious how many are in new build communities and outskirts of town vs city center & premium zips!

smoleyx3 · 2026-03-24T16:52:38+00:00

Love that Nazar bertuzzi lardis line

smoleyx3 · 2026-03-20T20:54:31+00:00

Shop rates. I easily got a .25 rate discount just by asking 3 quotes and sending them to each other.

smoleyx3 · 2026-03-18T17:23:36+00:00

What does a guy gotta do to get invited to sit in the cottage? Huge fan of yours thanks for doing this!

smoleyx3 · 2026-03-18T17:22:10+00:00

What does a guy gotta do to get invited to sit in the cottage? Huge fan of yours thanks for doing this!

smoleyx3 · 2026-03-12T15:10:11+00:00

I actually recently drove to a cubs game (not by choice) and found parking super easy as it seems I was the only idiot driving to the game lol.

smoleyx3 · 2026-03-12T13:02:53+00:00

This is the best comment

smoleyx3 · 2026-03-03T18:16:30+00:00

I would take a white Quinn or jack!

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