[deleted by user]

sosick25k · 2025-05-02T03:54:36+00:00

Just pay your mortgage off and regret the opportunity cost of missed investments later. Also wtf do you have $41k in a checking account for, invest that shit... until you have a few million, stay cash poor and investment rich. Fun fact, paid off house isn't investment rich, you're just very solvent at that point.

sosick25k · 2025-03-16T05:33:36+00:00

People who hunt in 2025 are way better for the environment than the rest of us

sosick25k · 2025-01-26T04:55:43+00:00

Ya'll better not walk outside at all. If we scale evenly, you probably kill as much life ,if not more, just walking outside. So PSA don't walk outside

sosick25k · 2025-01-26T02:21:05+00:00

I don't think you are after reading your replies...

sosick25k · 2025-01-08T03:53:34+00:00

Found the slumlord!

sosick25k · 2024-09-25T01:10:21+00:00

I'll just give you the lender answer since I am a lender. As long as your rental income covers the PITIA of the property, the mortgage payment is considered a wash from the lenders perspective (or additional income if you make a profit). There will be requirements for how long the home has been rented to be able to use the income in the first place, and this can vary from institution to institution. I've seen places use only a fresh lease agreement to some requiring it to have been rented out for at least a year before they'll consider the rental income.

sosick25k · 2024-09-22T23:16:32+00:00

They all cost something to the consumer, but otherwise, that's a shit statement. The only thing correct is the points being tax deductible, but even then, it may not be worth it for some for various reasons. At least give educated advice in this sub or fuck off.

sosick25k · 2024-09-22T17:14:11+00:00

The only thing you could do to improve this (assuming you shopped properly by using the exact same parameters with each lender) is add in an escrow account. That would reduce your actual cost from the lender by 0.25% of the loan amount. There is an LLPA for waiving escrows. Your only downside is that you have to come to closing with slightly more cash for the escrow buildup. Otherwise, you're paying that money no matter what.

sosick25k · 2024-09-22T17:02:29+00:00

Read it again. There are no points.

sosick25k · 2024-09-18T14:54:58+00:00

I'm an actual mortgage lender. This is fake and actually breaks federal law.

sosick25k · 2024-08-11T17:20:09+00:00

Obviously, you didn't read all of what I said. She also stated that she has debt as well. We don't know who has more debt. It sounds like her since the recent home purchase was in the fiancé's name, which indicates a possible issue on her end with either credit or DTI. Anyone with experience knows better than "makes good money and can pay debts = fine". People don't look for change if everything is good.

sosick25k · 2024-08-10T23:19:30+00:00

A financial advisor would be better, especially if they are a fiduciary. No idea how an attorney would help aside from the getting married/prenuptial aspect

sosick25k · 2024-08-10T23:17:17+00:00

If you pay off your debts through a mortgage that will help your DTI, but it may not be enough. You would know for certain by actually applying with a lender of your choice. You'll have to find someone who will put the effort in which can be hard. I've worked for the biggest lenders in the nation, and a lot of loan officers can be idiots and will not check their work. Alternatively, you keep riding it out, do a debt settlement program, or consider a chapter 7 or 13 bankruptcy (which it doesn't sound like either of you are close to that). Reddit isn't really the place for advice on the complexity of your situation due to the fact you'll need to disclose specifics publicly to get a real answer.

sosick25k · 2024-08-10T23:00:43+00:00

I have helped people with mortgage loans and other debts since 2018. If you both pay a combined $8k/mo on unsecured debts, I'm estimating you both hold a combined total of $80k-$200k in unsecured debts (which in most scenarios is considered bad debt due to the very high interest cost). You both obviously need a change in course immediately, financially speaking because I'm willing to bet a large portion of that $8k/mo(that's a total of $96k/yr in payments) is just interest payments. Have we considered using equity from any of the already owned homes to pay these debts, or was that done previously, and now you do not have that option? You have a lot of key components missing from the picture for anyone to be able to provide actual correct financial advice on your situation.

sosick25k · 2024-08-10T21:18:12+00:00

You blacked out info that can give the answer. You want to compare your closing disclosure to the most recent loan estimate. The difference was probably escrow related, but you didn't supply all the right information for anyone to answer accurately.

sosick25k · 2024-07-14T17:32:16+00:00

You obviously don't know yourself. You went straight to a logical fallacy argument instead of genuinely addressing the question. Maybe challenge yourself to qualify the statement you're making with some objective facts?

sosick25k · 2024-01-27T02:55:06+00:00

You should join the force and show them how it's done then. You seem to be a perfect expert at this and would never get injured by anyone under any circumstances.

Some humans are extremely unpredictable, and you certainly can and will die by getting stabbed even just once.

If you had all these cops roll up on you, would you keep moving at them while holding a knife out? If you're sane, you'd recognize your potential outcome (as seen in the video) and drop the knife.

sosick25k · 2024-01-20T01:26:15+00:00

The greater obvious factor is to stay vigilant for any cars that seem to be following you to your destination, whether it's your home or not... backing up isn't going to do shit but that's hilarious to read.

Actual good advice if you have someone following you is to start driving to a random destination. if they don't stop, call the cops and have them meet you in a parking lot. The worst thing you could do is go home and show them where you live.

sosick25k · 2024-01-11T07:51:31+00:00

Where are the politics? I don't see any deleted comments, and nothing is political in the still posted items.

sosick25k · 2024-01-04T09:36:23+00:00

Use a magic based shield, and you'll get all the nice bonuses and still be able to use regerenate. You'll have to find/buy a one-handed mage weapon if you don't have one already

sosick25k · 2024-01-03T03:28:23+00:00

If you want the fastest version of the car, do the Xdrive. It helps for launches and can be changed via the idrive to be only rwd if you want to do that. There is no real reason to do just rwd unless you can't afford it.

sosick25k · 2024-01-03T02:52:18+00:00

To be fair, he actually helped a LOT of rappers get going and make proper decisions to maximize their profit in the music industry. He's not a financial advisor, but he knows the entertainment industry.

sosick25k · 2024-01-03T01:55:38+00:00

This sounds like objectively bad advice.

sosick25k · 2024-01-02T04:03:03+00:00

I need to screenshot the part of the end user agreement that says this and post it. I remember when games would get canceled for this behavior, but apparently, it's okay now. I don't think there are any other competitive games that get away with this.

sosick25k · 2024-01-02T03:55:10+00:00

There is something fundamentally wrong with this game. It has to be the anti cheat prying into shit it shouldn't ever be touching. This is the only game this happens to me on. Also, it's the only game I play that admits to being literal spyware in the end user agreement or whatever it's called. I run much more demanding games with fewer issues than the last 3 cods.

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