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  1. Replies
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    Title company sent over another notary this...

    Title company sent over another notary this evening and all docs minus the one messed up doc are now signed. As best I can tell the doc that was messed up was something meant to protect the title...
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    Well, I was supposed to close on my refinance...

    Well, I was supposed to close on my refinance today.


    Notary from the title company showed up to my house and was yelling on the phone with some woman from the title company about some other...
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    Guess I'm an outlier. I really don't like loud...

    Guess I'm an outlier. I really don't like loud theaters or concerts. I'm genetically predisposed towards hearing loss so I'm paranoid about things being too loud.

    I did have a good experience at...
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    Have never taken anything. Is there a drug...

    Have never taken anything.

    Is there a drug that makes you feel things more? Had some dark times in my life and now I don't feel much of anything at all. I'm not looking to turn off negative...
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    And why would I sit in my car in a parking lot...

    And why would I sit in my car in a parking lot while I can watch movies from the comfort of my couch?

    Movie theaters made sense when people had crappy TVs, but with pretty much everyone having...
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    When companies lose money they inherently lose...

    When companies lose money they inherently lose value, which pushes their stock prices higher. When people lose their jobs they are less likely to spend money consuming goods. This means that...
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    Unemployment numbers were worse than expected....

    Unemployment numbers were worse than expected. Shouldn't the market be up on the news?
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    A flip in my neighborhood sold for $21k above...

    A flip in my neighborhood sold for $21k above asking in two days last month. Ended up selling for $610k.

    Zillow is predicting a YoY price decline for my hood for the first time ever-
    329175
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    Thanks man and thanks also for the advice from...

    Thanks man and thanks also for the advice from the previous page.

    I talked to my broker and he said term on the refi we are doing is that he gets hit with prepayment penalties if the loan is paid...
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    That's really unbelievable. I'm locked at 3.25%...

    That's really unbelievable. I'm locked at 3.25% but have yet to close. I don't want to F over my guy (I think my guy is your normal guy that you referred me to years ago) because I value the...
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    This is some great news. The lower GDP is,...

    This is some great news.

    The lower GDP is, the less money companies make and the more people who are unemployed. Less money companies make and the more people who are unemployed, the higher stock...
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    Those numbers are really bad, but it seems like...

    Those numbers are really bad, but it seems like people are pretty quickly trying to get back to normal.

    I went downtown today (Golden CO) to pick up some takeout and there were lines of people...
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    Number of months got pushed back to 360 from 320....

    Number of months got pushed back to 360 from 320. While shopping there were better rates available at 30 years than trying to get a mortgage with exactly the same number of months remaining on the...
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    I intend to move forward. Mostly just wondering...

    I intend to move forward. Mostly just wondering if I made a good choice in locking when I did and wondering if rates today are substantially lower.

    Going to ask my broker as well but haven't had...
  15. Replies
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    I locked at 3.25% last month. Made it through...

    I locked at 3.25% last month.

    Made it through automatic underwriting and got an appraisal waiver, so my 3rd party closing costs are $600, with all other costs being prepaids (property tax,...
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    This is so fucking spot on it's incredible. Don't...

    This is so fucking spot on it's incredible. Don't forget the mid-life stage of the female trust funder where she hosts yoga retreats for other "successful" female entrepreneurs and speaks at local...
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    Went for a walk with the president of my company...

    Went for a walk with the president of my company today who lives on the nice side of my neighborhood and caught up on our current situation.

    Our HQ location has 300 employees. Yesterday the office...
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    Thanks to this thread I just bought a Deco M5...

    Thanks to this thread I just bought a Deco M5 from Amazon. My internet connection is terrible, so any help I can get from Wifi will be much needed.
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    It seems like you have been employing strategies...

    It seems like you have been employing strategies that are more complicated than necessary. It's really nice to pick an asset allocation, set it and then sleep at night.
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    Check out this asset allocation...

    Check out this asset allocation.

    It has historically way outperformed inflation and has lower volatility. There is interest rate risk though.
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    That's what I'm betting on. I'm set to at least...

    That's what I'm betting on. I'm set to at least do OK baring everything but a significant rise in interest rates.
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    Fingers crossed I land some decent contracts in...

    Fingers crossed I land some decent contracts in the next couple months. I'm planning to tell my company that I'm going full time remote and not going back to the office.
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    A lot of my travel was spent opening up new...

    A lot of my travel was spent opening up new offices and brining on our first clients in Asia and Europe. I did actually have to be there for that. For now I'm riding on the coattails of the face to...
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    Honestly this whole work from home thing is...

    Honestly this whole work from home thing is pretty awesome. Having spent the past 5+ years traveling nonstop for work I'm really enjoying not flying and not commuting. I was averaging 200 hours of...
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    Crazy. Why not shut off main water valve and...

    Crazy. Why not shut off main water valve and drain pipes by opening up faucets at top and bottom of the house? It takes like 10 minutes and is not rocket science, although toilets will still freeze...
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    I love Canada. I love the people. I love poutine....

    I love Canada. I love the people. I love poutine. I love hockey. I love maple syrup. I have no doubt that the best skiing in North America is in Canada.

    All that said, Canada is a country who has...
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    Kinda thinking about timing the market and...

    Kinda thinking about timing the market and selling my house now. What are the collectives thoughts?

    I own a house worth mid $600s in a desirable area of the CO front range. Houses in my...
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    I've only ever gone trail running in the Flat...

    I've only ever gone trail running in the Flat Tops. Def got mobbed anytime I was standing still.
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    I'm consistently amazed by the amount of...

    I'm consistently amazed by the amount of mosquitos in/ around Steamboat in the summer.
  30. Replies
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    I have a buddy who runs a small hedge fund that...

    I have a buddy who runs a small hedge fund that focuses on the oil industry. He shorted the oil equities market starting in Q3 2019 and has made a killing.

    Talked to him last night and he said...
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    This is entirely possible. It's also entirely...

    This is entirely possible. It's also entirely possible that China is culpable in allowing the virus to spread out of a testing facility AND the Trump administration is culpable for completely...
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    I manage a team at a 500 person tech company with...

    I manage a team at a 500 person tech company with offices in Denver, NY, SF, LA, and international offices in places like London, Tokyo, Singapore, etc. All offices are open office layouts, with no...
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    Dragging this back from yesterday- Not saying I...

    Dragging this back from yesterday- Not saying I disagree with you, but can you explain why you think this would happen? Wouldn't the fed just buy any excess supply and keep rates low?
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    IDK man, I think Amazon comes out of this whole...

    IDK man, I think Amazon comes out of this whole situation way ahead. I think you could hold it for the long run.
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    This week I bought another position in SGOL and...

    This week I bought another position in SGOL and reallocated an even larger position into a broad basket commodity index. Idea is to have more assets that aren't correlated with equities.
  36. Replies
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    That one you found has only a $3k max and...

    That one you found has only a $3k max and requires direct deposit and a checking account.

    The one I opened last year was a 17 month CD, had a $50k max and didn't have those other requirements.
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    Yep, opened it a year ago. Navy Federal Credit...

    Yep, opened it a year ago. Navy Federal Credit Union.
  38. Replies
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    I just locked a 3.25% APR Refi. I've got a CD...

    I just locked a 3.25% APR Refi.

    I've got a CD paying 3.2% APY.

    IMHO, 5 basis points to not pay of my mortgage is a more than acceptable premium for maintaining liquidity.
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    I expect- -Amazon will get an even stronger...

    I expect-

    -Amazon will get an even stronger hold on the US retail sector.

    -Small businesses and restaurants will go bankrupt en masse

    -People travel less for a couple of years

    -More...
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    And put mortgage servicers out of business.

    And put mortgage servicers out of business.
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    How extensively have you traveled in China? I've...

    How extensively have you traveled in China? I've been to wet markets in mainland China. They are everything that videos show them to be.
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    Look at UUP or USDU. Both are ETFs that track USD...

    Look at UUP or USDU. Both are ETFs that track USD against other currency.
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    Who is going to buy the deed restricted housing...

    Who is going to buy the deed restricted housing now? I'd bet that a huge portion of deed restricted buyers in resort towns no longer have consistent income. Everyone other than emergency services,...
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    Just locked a refi this evening at 3.25% My...

    Just locked a refi this evening at 3.25%

    My mortgage broker thinks rates may come down further. He's also pretty bullish about the housing market staying intact, etc. I didn't want to wait because...
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    Anything within an easy drive of Boise is so...

    Anything within an easy drive of Boise is so incredibly crowded (McCall, the Sawtooths, etc). IMHO there are much better options in Idaho.

    My brother (who is well-traveled but has never been to...
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    I never understood the appeal of Boise. Like if...

    I never understood the appeal of Boise. Like if you cash out in another state, why the hell would you move to Boise over so many other, better options. Boise is all strip malls, traffic lights,...
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    US had 2k deaths for the first time today. We...

    US had 2k deaths for the first time today. We should pass Italy for most deaths in the world tomorrow. #winning!

    https://www.worldometers.info/coronavirus/
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    I walked by the house in question after the new...

    I walked by the house in question after the new owners took possession. Lots of toddler-aged toys in the yard. Best guess- people do all kinds of stupid shit "for baby".

    Homelessness might take...
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    There's two trailer parks in my town. One is...

    There's two trailer parks in my town. One is about a 1/4 mile east of my neighborhood and has ~100 lots. Over a dozen trailers have come on the market in the past week. Most are FSBO. Their residents...
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    Here's a history of unemployment in the US-...

    Here's a history of unemployment in the US-
    https://thumbs.gfycat.com/BeneficialGeneralCats-size_restricted.gif

    ...and yet the stock market goes up.
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