I love credit cards so much! v3.0 (see first page for add'l details)

[MickeyMouseCD524]

I send a note as soon as I hit the mark where they needed to have paid me by. There is nothing to gain waiting.

I just sent the invoice with a note. I just hate feeling pushy.

 

[Mopedmom1]

Just FYI that you don't actually have to unfreeze your credit to get an approval. I've got a credit freeze on, and my last Chase app went to 7 to 10 days. I was able to call in and verify my identity, etc. and get an approval without unfreezing my credit.

I don't want to have to call. I can unfreeze it for 24 hours and be done. My amex was an instant approval and they pulled credit. For me it's just easier.

Yeah I wish I had remembered to unfreeze my credit to avoid any additional hassle. It is still at 2 weeks and I only have $170 left on my (dh) BofA MSR with bills to be paid soon. I mostly get instant approvals so this is killing me!

@Haley R Your pictures are great! You are beautiful in all of them but I especially like the pose at the lighthouse.

 

[Lain]

FYI: Hawaii fares drop to less than $200 roundtrip - SFGATE

 

[gottalovepluto]

I just sent the invoice with a note. I just hate feeling pushy.

I felt that way at the beginning too but it's just a feeling a seller has to overcome. If the buyer is going to bail on you time is of the essence for you to re-list the item while there is still interest and/or give the 2nd highest bidder an offer to purchase while they are still interested.

 

[gottalovepluto]

FYI: Hawaii fares drop to less than $200 roundtrip - SFGATE

It's all good guys... this is totally normal...
/s

 

[jaysraptor]

Good point, I guess I should have added that this is not our forever home, we will likely move in 2 years when DD2 is done with elementary school.

So it's probably best if we don't refinance.

Also, how does churning play a role in refinancing, do we need to slow down for 6 months?

When we refinanced, the payback on the cost of refinancing was about a year (as in, the reduction in our payment per month was about 1/12th of the cost of the refi). If you're planning to move in 2 years, it seems unlikely that refinancing would be much of a benefit.

Last time we refinanced was in 2012. Locked in a 15 year mortgage at 2.65%. We originally purchased our home in 2003 and refinanced in 2009 to another 30 year loan with the same lender for a lower interest rate. Closing costs on the first refi were ~$4,000. When rates were really low in 2012, we refied to a 15 year mortgage and again used the same lender. This time we requested a "NO COST" refi. The lender did the refi and it did not cost us a single cent out of pocket and no $ added into the loan. You could always ask your lender to do a no cost refi.

 

[platamama]

Our loan is at 3.625%, just checked and Navy Fed has rates listed at 2.5%, we'd refinance the loan to 15 years, we have 22 years left. How do you know if it's worth it? It estimated $5K in closing.

Have you checked refinance calculators to see how much in interest you would save by refinancing? That's a huge decrease from 3.625% to 2.5%!

Google bankrate refinance calculator and fill in the fields, and it will give you a summary of how many months it will take to break even.

 

[StephPlum]

My Hawaii news - I did book my outbound flights for next January. Not $200 but I did get first class for only $11.20 . Return flights will be available next Saturday. I have enough miles for one ticket and will use URs for the other one. I am starting to get really excited about this. DH had to talk me into going but I've been reading trip reports and looking up things to do and really, really into it now.

 

[StephPlum]

OMG have to vent. My knee has been a bit sorethe last week or so. I blame it on weather changes. Rainy all day today. I walked literally across the street and down the block so probably 1/2 a block total. I can barely bend it now. I just sent someone who works for me to the ice machine and I am sitting here with an ice pack on it. It knows I have a trip starting on Saturday. Darn it better recover soon. I have Vionic work shoes that are pretty good but I think for the rest of the week they are going to see me in tennis shoes. ok pity party over.

I sat in my office during lunch with the ice bag on my knee and under my knee as that is where it hurts to bend it. I was able to walk after that. Hopefully ice and some anti-inflammatories will help get this under control.

 

[disneedee]

Here are some of my favorite pictures from our weekend “photo shoot”!

love, love, love the one with the lighthouse in the background!

 

[GlamMistress]

It's all good guys... this is totally normal...
/s

"It's just the flu" /s

Seriously Covid19 is going to get worse before it gets better - anything connected to travel is getting shellacked. We'll likely see some crazy deals over the next few months. Personally, I have no desire to travel at this moment.

https://www.wsj.com/articles/coronavirus-slams-u-s-hotel-industrys-global-operations-11583236802

 

[platamama]

Last time we refinanced was in 2012. Locked in a 15 year mortgage at 2.65%.

We refinanced in 2012 too, but at a worse rate than you. 2.875% but looking at the payoff in 7 years is really encouraging.

So if the 10 yr Treasury is closely tied to mortgage rates and it's now at the lowest point since 1945, I don't see that reflected in the 15 yr rates I'm looking at now. They're all higher than 2.875%. Maybe I need to be patient.

 

[Haley R]

@Haley R your pics are great! I love the lighthouse one!

That’s one of my favorites too! We have one where we wrote his name in the sand next to a shovel and pail but I don’t want to post that one just in case for some reason we change his name

 

[Crazed4DisneyinSC]

totally off topic, but I know one of you Dr. Pepper lovers out there will get me... (because we all know Dr Pepper is THE best soda on the planet! ) Anyways, has anyone tried the dr pepper and cream soda mashup? I'm so intrigued and excited about this one!!

The last time I was this excited was when I found the Reese's International Delight coffee creamer, lol.

 

[Haley R]

Yeah I wish I had remembered to unfreeze my credit to avoid any additional hassle. It is still at 2 weeks and I only have $170 left on my (dh) BofA MSR with bills to be paid soon. I mostly get instant approvals so this is killing me!

@Haley R Your pictures are great! You are beautiful in all of them but I especially like the pose at the lighthouse.

I think that’s my favorite one too!

 

[Haley R]

"It's just the flu" /s

Seriously Covid19 is going to get worse before it gets better - anything connected to travel is getting shellacked. We'll likely see some crazy deals over the next few months. Personally, I have no desire to travel at this moment.

https://www.wsj.com/articles/coronavirus-slams-u-s-hotel-industrys-global-operations-11583236802

We still can’t decide if we should drive over Thursday to HS. We both wanna go really bad. We were planning to drive back Friday for Epcot but I told Dh we should only go for Thursday and leave it at that. We might have to rush to Epcot to get our magnet and see some of the topiaries

 

[miztressuz]

What does everyone use to check the weather? I was using accuweather. But I just checked that on my iPad on the app and it says DVNP will be in the 60s next week. When I checked on the computer this weekend it was in the 80s. I was surprised it changed so much in 2 days. But just looked on the computer and it says 80s. Ummm that is quite a difference especially from the same source!

You mean Inaccuweather?
I usually use Weather Underground since they use local stations but I'll cross check with a local news station just for sanity. But I never trust any forecast more than 3 days out.

 

[SouthFayetteFan]

I am disturbed that in an entire room of bankers no one has cnbc/bloomberg news alerts...

Well we aren’t supposed to be looking at our laptops.......I just happened to be ummm reading the daily discussion thread on my phone during the meeting

And I don’t have any news alerts setup at all personally to be honest. I subscribe to the MMM low information diet. If something important to me occurs in the world, I’m sure I’ll find out about it soon enough

 

[afan]

The big conference in anaheim this weekend got postponed so who just changed their rez from the hyatt house by knotts to the one on harbor

 

[punkin]

"It's just the flu" /s

Seriously Covid19 is going to get worse before it gets better - anything connected to travel is getting shellacked. We'll likely see some crazy deals over the next few months. Personally, I have no desire to travel at this moment.

https://www.wsj.com/articles/coronavirus-slams-u-s-hotel-industrys-global-operations-11583236802

I have a lot of travel planned later this year and I am only slightly nervous.