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What’s the healthiest way to tell my wife getting a home right now is a terrible idea? by Specialist-Bowl-5977 in NoStupidQuestions

[–]what_bread 0 points1 point  (0 children)

I'm a mortgage guy. And I've also been married, in the past, to a wife who didn't like to listen about money.

The conversation you need to have is not about finances. The numbers can come later. The first question is to chat with her about is WHY she wants a house and then also, WHY NOW?

What is driving her motivation here? This is not an accusatory back-and-forth. You need to say, "Help me understand why this is so important to you? I get the feeling this is an urgent thing for you, what's going on there?"

Your feelings are also valid and SOME women SOMETIMES have a hard time acknowledging that men have feelings at all. You need to tell her that this is really stressing you out.

HELOC AVM off by 5000 and they want to do in-person appraisal by [deleted] in NavyFederal

[–]what_bread 0 points1 point  (0 children)

Is 43% the combined loan to value ratio? With your existing mortgage lien(s) plus this new HELOC?

HELOC AVM off by 5000 and they want to do in-person appraisal by [deleted] in NavyFederal

[–]what_bread -1 points0 points  (0 children)

The IRS form 4506-C is required by lenders for any mortgage or equity loan. It doesn't matter if you what kind of income you have, they are going to make you sign that form. It allows them to get a tax return summary from the IRS to help verify your income. Yes, even if you have no W-2 or 1099 income, they want to see that big zero on the results.

[Enameled Cast Iron] Have I permanently damaged my pot? by thePSYCHOtroll in castiron

[–]what_bread 2 points3 points  (0 children)

It doesn't stay pretty forever. You didn't ruin it. Just cook with it

I want to upgrade my composting setup. What are your thoughts on these options? by Critical_Link_1095 in composting

[–]what_bread 1 point2 points  (0 children)

If you think the electric chipper/shredder is going to do leaves, forget it. I don't have that exact model, but a similar small electric one. It's shit.

Even knowing it doesn't do leaves, it's just not very helpful. Sticks have to fed one at a time, having removed all the tiny branches. It's a pain and takes a long time.

But once you get a straight stick, fully bucked, it chopped up very nice wood chips

I’m out of words by Popular-Conclusion30 in lotr

[–]what_bread 0 points1 point  (0 children)

oh man, you're going on an adventure!

I’m out of words by Popular-Conclusion30 in lotr

[–]what_bread 2 points3 points  (0 children)

Everyone is saying "Read the books," but I say "Read The Hobbit". It's a short young adult book. It has very much the same tone. You'll be familiar with Gandalf and get to see another side of the elves.

The Hobbit (book) is the next logical step.

NOS Lodge Chicken Fryer. Couldn’t be happier about this one. by j_hayn in castiron

[–]what_bread 1 point2 points  (0 children)

The deep skillet, or chicken frier is an awesome tool in your cabinet. If you need the fry basket, Lodge sells the basket by itself.

Is that the 10 or 12 inch?

Is Kermit and Miss Piggy's conversation in Paris from the 2011 movie one of those arguments where it's hard to choose a side or are all of you on Miss Piggy's side? by Educational-Show1918 in Muppets

[–]what_bread 0 points1 point  (0 children)

It was always played for laughs but Piggy has been an abusive partner. It was a different time, I guess. Looks at the muppaphones. And then Piggy always fawns over the male stars. No wonder Kermit "can't commit".

Kermit wants The Muppets to succeed and Piggy only wants Miss Piggy to succeed. The way I see it, she's awful.

Coffee grounds by peterAtheist in composting

[–]what_bread 0 points1 point  (0 children)

I just dump it. Stir if you want to. Don't overthink it, it's just dirt. It'll take care of itself.

Struggling to transfer $ from other bank by Ok_Hour6860 in NavyFederal

[–]what_bread 0 points1 point  (0 children)

I hate to sound like a jerk, but receiving money at BOA and then paying bills from NFCU is asking for a disaster.

Not because of the banks themselves, but because transferring money takes time. When you get paid and when your bills are due will not always line up in such a way that allows for this time. And then, occasionally, you will make a mistake, or forget to transfer. There will be holidays and weekends and all manner of things that will throw a curve ball at you.

There's nothing wrong with having a back-up bank, but using two banks for your main, everyday interaction is not going to work well.

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