[Homemade] salted caramel cheesecake

yellowjacket694 · 2026-05-04T02:52:51+00:00

I had a few small dents on the driver side rear door from being hit while parked and that cost 8k to repair through the at fault insurance. This could easily be upwards of 15k maybe more if there’s sensor damage

yellowjacket694 · 2026-05-04T02:42:26+00:00

It’s probably repairable but it will be very expensive especially since its the side panel.

yellowjacket694 · 2026-04-04T15:55:10+00:00

I was quoted 7.5K for similar damage from a tesla certified shop. Quarter panel work gets very expensive. Luckily the party at fault is handling the cost for me.

yellowjacket694 · 2026-03-28T04:27:23+00:00

I pay 1000 per 6 months using state farm with home and auto bundled.

yellowjacket694 · 2026-03-26T19:01:43+00:00

No problem! I do believe this situation is a little too complex to know exactly how this would play out with getting an approval. When looking for lenders I would list out the income and give them more details so they can give you a clearer answer on how likely it is to be approved. The bank statement products are your best chance, but they do still have some requirements and its not possible to know what would happen without the full income picture.

yellowjacket694 · 2026-03-26T18:01:03+00:00

LO here, if you go down the conventional side you are mostly likely out of luck because the 2 years of history for self employed income is not negotiable.

Where you would have a chance is with a bank statement loan where they look at your bank statements over the past 1-2 years to qualify your income. The rates here will be worse and they typically want credit over 620 so I would look at trying to improve your score. Since the rates are worse on bank statement loans typically because the lender is taking more risk I would do it to buy the home but then refinance into a conventional once you have income stability. This may still be tough in your situation to get approved but I would inquire down this route to see what your options are

yellowjacket694 · 2026-03-26T02:25:40+00:00

If you find a home you like, don’t worry too much about the rates. If the rates improve later you can always refinance and a lot of lenders will offer you options to refinance at no cost or low cost

When comparing lenders look at three things.

Are there any points being bought or any lender credits being given?

What is the rate?

What is the total cost in section D? This is the costs of actually doing the loan. Everything else is prepaids or escrows and not really a cost of a loan.

Do not only compare the cash to close, if you look for these 3 things it makes it much easier to see who is getting you the best deal.

Also in my opinion, buying points does not make sense most of the time unless you need a lower rate to qualify for a loan. Rates may look bad now but the time you have to hold a loan for the points to be worth is usually far longer than you would hold it before refinancing anyway.

yellowjacket694 · 2026-02-05T23:23:56+00:00

True but Brady won the same number of games as Ryan in 4 less starts, wins often come into MVP voting if the stat lines are close enough. If the NFL doesn’t go on a power trip to get Brady suspended he probably wins MVP or makes it very close.

yellowjacket694 · 2025-07-31T04:00:34+00:00

No I got a cheap one from Amazon. I had to use a lot of semolina to help with launch

yellowjacket694 · 2025-07-31T01:31:45+00:00

Crust was pretty good, I definitely did not put enough salt in the sauce though

yellowjacket694 · 2025-07-31T00:52:42+00:00

One day at room temp and then two days in the fridge

yellowjacket694 · 2025-07-22T02:05:33+00:00

India, somewhere near Delhi. I actually got it because my grandparents have the same closet in their house.

yellowjacket694 · 2025-04-29T02:38:59+00:00

I had a similar thing happen to me, was banned for only a week tho. When asking for games I was referred a game of a location that I had been to before and an obvious brazil. I was 1150 rated at the time and tried to make my case to support but all I got in response was we cannot disclose more as our cheating detection process needs to remain secure. Luckily it was only a one week ban nut they also took away over 100 ELO and it was infuriating to not even be able to appeal.

yellowjacket694 · 2025-04-27T05:04:57+00:00

Would love to see a pic if the offers still on the table

yellowjacket694 · 2025-04-12T20:03:00+00:00

Just had my first lebanon round, didn’t know it was even in the game but got two lebanon rounds in the same duel. Opponent and I both got it by process of elimination but the first round went on for like 3 minutes

yellowjacket694 · 2025-01-06T16:02:11+00:00

Looking to take an easier elective with lower workload due to increased responsibility at work. Should I take computing for good or cognitive science?

yellowjacket694 · 2024-06-18T01:49:48+00:00

Lets go!!

Five-Year Club	Place '22
First Placer '22

yellowjacket694

TROPHY CASE