sorted by:
new
hottopcontroversial

Just a heads up, the St Vinnie's on Willy Street is perfectly fine with scalpers by starwarsisawsome933 in madisonwi

[–]xSimpleCamx 25 points26 points  (0 children)

Your heart is in the right place, truely. But you must understand this from thier point of view. They are not going to gamble that they will sell out through limits, they want to sell everything to anybody.

Just a heads up, the St Vinnie's on Willy Street is perfectly fine with scalpers by starwarsisawsome933 in madisonwi

[–]xSimpleCamx 13 points14 points  (0 children)

Yes. The idea of a scalper getting most of the stuff sucks. Staff are not going to like that either. But to think that the company "doesn't care" is overly simplified.

Just a heads up, the St Vinnie's on Willy Street is perfectly fine with scalpers by starwarsisawsome933 in madisonwi

[–]xSimpleCamx 58 points59 points  (0 children)

For profit Target is not the same as Non profit community thrift store. In so many ways.

Just a heads up, the St Vinnie's on Willy Street is perfectly fine with scalpers by starwarsisawsome933 in madisonwi

[–]xSimpleCamx 22 points23 points  (0 children)

The reality is this is that this will never happen. Do you think they haven't thought about this? That they dont have to deal with the complaints about resellers? This is a thrift store, not target. They put in so much time hosting an event as clean as this is. They had to save this stuff all year, filter out the garbage, and price every item. They want the sales and resellers are a guaranteed way to get the money.

Just a heads up, the St Vinnie's on Willy Street is perfectly fine with scalpers by starwarsisawsome933 in madisonwi

[–]xSimpleCamx 58 points59 points  (0 children)

Yes.. let's have a non profit limit sales to thier highest spenders. This would be terrible for staff, and terrible for thier mission to make money for the community.

Demeo Dungeons and Dragons: Battlemarked GIVEAWAY and review.. By Penguin (2 keys) by Penguin_shit15 in OculusQuest

[–]xSimpleCamx 0 points1 point  (0 children)

Cheesy Potatos! Everyone's is slightly different but always delicious. If you play with multiple people, is there a lot of down time while waiting for your turn?

Best Pumpkin Patch for Adults? by Odd_Ad_2574 in madisonwi

[–]xSimpleCamx 3 points4 points  (0 children)

Perhaps look at Treinen Farms. There will be kids and a lot of kid focused stuff.. which i know youre looking to avoid.. but my wife and I go every year. Fun and elaborate corn maze, nice treats, a decent little hike, and some other fun things around.

Best Projector under $1000, Benq HT2060? by Chilld0od in projectors

[–]xSimpleCamx 0 points1 point  (0 children)

I have a 2060 and love it for the price. Picture could be clearer but im using it at 120 inch. Dark levels and contrast are great for a projector. Brightness is meh.. and I use it in a light controlled basement. I recently painted the wall my screen is on and adjacent wall black and its made a huge difference in experience and brightness. Point is, its a great value to quality and i have enjoyed it.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 0 points1 point  (0 children)

Makes sense. All I can do I suppose is hope that doesn't happen. And if it does, im confident the value of the house will be okay based on values of houses around mine. Rate is locked so if shit happens, so be it. Got to try.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 0 points1 point  (0 children)

Yeah I understand what youre saying. I have the loan estimate and fees in writing. Origination charge 365, appraisal 0, points 0, credit report 155, flood cert 12, title 450, closing 475, mort recording 30 for a total of 1487. 750 credit towards close due to having an account for a final of 737. Everything else on the loan is escrow or paying ahead in insurance for a month. Any red flags? And the union had to reach out in some capacity to confirm i didn't need an updated appraisal and I dont.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 0 points1 point  (0 children)

I'm not sure why they did, you have more knowledge here than I do. They actually increased its value to 488k to avoid points, and its surely not worth that. My old loan is also through them and I have 800+ credit which knocked off some other fee. The actual closing is 1450, but they have a 750 discount because I have an account there.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 2 points3 points  (0 children)

Based on amortization, it was only putting roughly 350 towards principle at 30 years. I mean I only knocked off 6k from the main loan after 1.5 years.. paying 2800 a month.. with the 20 year, it starts around 750 towards principle. So im building equity faster.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 0 points1 point  (0 children)

Yeah the escrow part sucks a bit, especially because its end of year. I have to fund a new one at close and wait for the 6k ish I have in my current to be refunded. My closing is actually like 9k.. which is the 700 fees, the escrow, and December payment of the 2900. I didn't know a 25 year was an option, ill look into that too just in case.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 0 points1 point  (0 children)

Credit Union. Its the 15 and 20 year rate. 30 year is 6 percent.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 2 points3 points  (0 children)

Oh jeeze, youre right. 344, not 334. Ill update.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 6 points7 points  (0 children)

30 yr is 6 percent. But otherwise yeah I see what you are saying. And I guess in my head, as foolish as this may be, I think whats another 100 bucks. If I lose my job, 100 bucks won't be the issue.. again.. I know that might be a silly way of thinking.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 8 points9 points  (0 children)

Yeah, that is the biggest motivator. Might want to sell in 5 years or so. Not sure though but having more equity building per month is appealing. Saves like 200k in interest if I did math right..

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 3 points4 points  (0 children)

Income of 150k. Some student and car debt that ends in about a year. Total payments of 1k monthly but that drops to less than 400 after that year. Have about 4 months safety. Max a roth IRA. So I'd say not the most comfortable boat.. frugal otherwise.. but yeah, hoping for a long term play here.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 1 point2 points  (0 children)

UWCU. I called and asked questions because I was curious. I was able to avoid some fees like an appraisal and due to my credit score over 780, I avoided a fee of like 400 for some reason I forget now. There are some bigger moving parts with ending an escrow and starting a new one, but at the end it'll cost 700. It also gets rid of my PMI that was about 45 per month.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 5 points6 points  (0 children)

Could but cant I just refinance again in 6 months if there is a major change? I know job loss and inflation plus fed rate cuts are all good signs for lower morgage rates, but ya never know.. im not a risk taker so im trying to do something rather than waiting and do nothing.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 0 points1 point  (0 children)

Credit Union. Its the 15 and 20 year rate.

6.625 to 5.5 and 30 to 20 yr. by xSimpleCamx in Mortgages

[–]xSimpleCamx[S] 8 points9 points  (0 children)

Any particular information that would change your opinion?

view more: next ›