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Type: Posts; User: mattig

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    2 posts per day, easily done from the shitter...

    2 posts per day, easily done from the shitter depending on one's fiber intake.

    @L2S, agreed.

    Best thing I ever did financially was to start buying cheap old cars.

    Anyone who thinks...
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    Verginny? And how local do you care about? ...

    Verginny?

    And how local do you care about? Lots of clients in DC area. Super solid bro in c-ville, and another in Norfolk or some such place.

    Sent from my SM-G955U using Tapatalk
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    Oh and FYI, I can always tell ya what rates are...

    Oh and FYI, I can always tell ya what rates are (definitively) and can always connect people with LOs in any state (if no LO mags are available). If I'm not checking this thread, PM me.

    Sent...
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    This is typically outdated by the time it comes...

    This is typically outdated by the time it comes out FYI.

    Really only tracks Monday and Tuesday vs Monday and Tuesday.

    Sent from my SM-G955U using Tapatalk
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    Haven't read through the whole thread, but we...

    Haven't read through the whole thread, but we have a Kia Sportage with 95k-ish miles. Been bulletproof. Would highly recommend. Would also sell ours for trade in value (or less if someone is in...
  6. Thread: The Last Dance

    by mattig
    Replies
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    12,588

    That's exactly my point. They managed to squeeze...

    That's exactly my point. They managed to squeeze the backstory into 3 episodes.

    Anyway, I really enjoyed both, and especially the fact that ESPN had several of the classic games available.
  7. Thread: The Last Dance

    by mattig
    Replies
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    12,588

    I fast forwarded through the Steve Kerr bit. I...

    I fast forwarded through the Steve Kerr bit. I was interested in the basketball. Some back story is good, but the ratio was out of whack.

    By the end of this series, I just wanted it to get to...
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    I'm pretty sure my neighbor's Apple tree is right...

    I'm pretty sure my neighbor's Apple tree is right up there. It's never been pruned/limbed/etc in the 7 years I've lived here.

    All I can do is trim what's on my side of the fence and casually...
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    This worked pretty well for me this weekend too. ...

    This worked pretty well for me this weekend too. Diablo pruning blade.
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    So for those who roast, what are you using? I...

    So for those who roast, what are you using? I started out with the SC/CO method and got decent results. Now using a behmor which made mediocrity more convenient. Been wanting to step up for a...
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    heretical as it may be, when my kid wants coffee,...

    heretical as it may be, when my kid wants coffee, we get sbux for decaf. s'alright unless you're deep into the uber light hipster "taste the origin and not the roast" movement.
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    Love it. I'll take the first 7 Twss

    Love it.

    I'll take the first 7

    Twss
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    On the other hand, Wells Fargo's retail site has...

    On the other hand, Wells Fargo's retail site has had at least a half point gap between the two (in RATE) for weeks. That's unheard of prior to the corona.
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    It's also more of a thing right now than normal. ...

    It's also more of a thing right now than normal. In fact, during normal times and especially boring times, no-cash-out refis and purchases are priced the same. Lenders offering purchase credits are...
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    Ha! Walked a similar path on all accounts. Wife...

    Ha! Walked a similar path on all accounts. Wife heard the Atom in the store, so that's what we ended up with.
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    I purposely drink that stuff sometimes to test...

    I purposely drink that stuff sometimes to test this theory. While not necessarily an old wives tale, I feel it is overplayed. But people have different definitions of blonding, I imagine.
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    Rig up a bathroom scale and experiment. It was...

    Rig up a bathroom scale and experiment. It was an eye opener for me. My takeaway was that excess pressure had an insignificant effect compared to insufficient pressure.
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    80 percent convenience. 20 percent longevity of...

    80 percent convenience. 20 percent longevity of an expensive appliance. Set it and forget it. Never have to fill the thing up. Never have to descale. Don't have to worry about when the thing...
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    I wasn't a believer. I went into a local shop...

    I wasn't a believer. I went into a local shop that let me pull my own shots in a few different machines with a few different grinders. I brought my own beans.

    Ultimately though, I refused to...
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    Re scales, this guy is the...

    Re scales, this guy is the shit:https://uploads.tapatalk-cdn.com/20200508/f31b4bb6e8472319be70af00f46a96e8.jpg


    On the topic of quiet grinders, Eureka Atom is the quietest I've heard. Hate what...
  21. https://www.deviantart.com/vectorjones/art/Ensign-...

    https://www.deviantart.com/vectorjones/art/Ensign-Hendricks-277198009
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    my refi closed in 2 weeks from initial app to...

    my refi closed in 2 weeks from initial app to funding. That's the exception, but it can be done.
  23. Thread: Murder Hornets

    by mattig
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    8,395

    Yeah, I have a permanent scar there and it caused...

    Yeah, I have a permanent scar there and it caused a pretty nasty infection that took 3 different IV antibiotics to knock out.

    Might not be the same critter though. I would say the pain was very...
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    If you like the look of Capri campers and the...

    If you like the look of Capri campers and the stripped down creature comforts, those are really light, well made, cheap, and made by what seems to be a great company. I almost got one before I...
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    Only thing close to that weight these days is a...

    Only thing close to that weight these days is a pop up. Your f150 would do fine with any of the lightest weight hard sides though. Not the right tool for the job, but would get the job done.
  26. Thread: Murder Hornets

    by mattig
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    I got bitten by a giant mystery bee in sisters,...

    I got bitten by a giant mystery bee in sisters, OR this past summer. Been stung by hornets wasps and yellow jackets over the years. Nothing hurt like this, and it gave me an almost immediate red...
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    Never put much thought into crema color. I guess...

    Never put much thought into crema color. I guess it is a bit different....
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    Even if they say they won't, accidents happen... ...

    Even if they say they won't, accidents happen... A lot.

    There is currently also no clarity on ability to qualify with forbearance on credit, regardless of credit score (it will be there even if...
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    And they'll probably check again the day of...

    And they'll probably check again the day of closing. The investor who buys the loan may check after closing. They will make the lender eat the loan if they can't verify.

    Forbearance issue has...
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    "back in pocket" is pretty subjective depending...

    "back in pocket" is pretty subjective depending on the scenario. If that's paying all closing costs and not just the lender closing costs, it's a fine deal.

    And yeah, buydowns generally aren't...
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    3.875 is the quoted refi rate on Wells retail...

    3.875 is the quoted refi rate on Wells retail website, but entirely out of the market unless you have low credit or other risk factors off the beaten path.
  32. Let's fucking hope so. And take I5/santiam, on...

    Let's fucking hope so. And take I5/santiam, on your way out of town if you leave early Saturday too!
  33. Thread: Trucks.

    by mattig
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    Check out page 9 here: ...

    Check out page 9 here: https://www.ford.com/cmslibs/content/dam/brand_ford/en_us/brand/resources/general/pdf/guides/20Towing_Ford_SuperDutyPU_Oct15.pdf

    Doesn't have F-150 info, but the F-250...
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    Not really going out on a limb to predict 3.0...

    Not really going out on a limb to predict 3.0 rates when lots of people are locking there or below right now, and when the primary vs secondary spread is 100bps wider than an incredibly stable...
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    Sold, sorry.

    Sold, sorry.
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    You made the right choice. I just found this...

    You made the right choice. I just found this thread or I would have told ya sooner. The sound clips on rtings.com tell ya all you need to know.

    First BT headset/head phone/ earbud I can say I...
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    Get a used Wii. Wii sports Mario kart Wii...

    Get a used Wii.

    Wii sports
    Mario kart
    Wii fishing resort

    Done
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    33 is my sweet spot. Just saying I've had some...

    33 is my sweet spot. Just saying I've had some 42 second extractions that were good.
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    There's a learning curve. It takes about 20...

    There's a learning curve. It takes about 20 minutes to roast a lb with the entry level roaster, 30min counting set-up/clean-up. Covered outdoor space is fairly critical. I've had commercial...
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    I roast my own.

    I roast my own.
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    8 seconds?!?! That's ridiculous. And 25...

    8 seconds?!?! That's ridiculous.

    And 25 seconds is arguably a bit underextracted in many cases. I'm up to 42-43 seconds on a few of my roasts with no overextraction symptoms (or at least none...
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    Commercial is pretty fucked right now, apart from...

    Commercial is pretty fucked right now, apart from stuff backed by agencies (since the Fed is buying CMBS). That's mainly residential-only based on my limited understanding of the safe.
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    FD speaks truth. Servicing valuations are taking...

    FD speaks truth. Servicing valuations are taking loans that would have earned the lender 3-4% and instead costing them 1-2% in many FHA/VA scenarios, assuming the lender hasn't pulled out...
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    You're doing well then. A lot of guys got hit...

    You're doing well then. A lot of guys got hit with EPOs from UWM after 6 months because they retroactively upped their window to 12 months.

    And yeah, things are bad in a new and different way...
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    Yep, and loans are definitely making it all the...

    Yep, and loans are definitely making it all the way to signing only to die before funding. Not super common right now, but will keep happening for a bit. Wells just pulled out of jumbo for...
  46. practically impossible to find good inpatient...

    practically impossible to find good inpatient stuff for any amount of money you'd want to pay. Tried a few times with pops. Not surprised they didn't work.

    I haven't read this whole thread,...
  47. Thread: GUNS!!!!!!!!

    by mattig
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    666,980

    Asset prices in recessions take months to come...

    Asset prices in recessions take months to come down. Happened last time. Will happen to an even greater degree this time... Especially once people stop feeling like they need to tactically defend...
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    A) I don't know what you're asking B) 7/1 arms...

    A) I don't know what you're asking
    B) 7/1 arms are the thing now.

    Are you asking how much a 5yr arm is adjusting after the first 5 years? Depends on the index, but if LIBOR for instance, just...
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    Here's the bigger issue: a shitload of people...

    Here's the bigger issue: a shitload of people with jobs are going to do this just because nothing prevents them from skipping 6 payments. And there's an equally big shitload of unintentional...
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    You should come hang out on my site for a few...

    You should come hang out on my site for a few days to hear some of the stories. The forbearance onslaught is definitely already a mess. The good news is that I can almost guarantee you that if your...
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