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LCHorn

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Everything posted by LCHorn

  1. That was my first thought. I don’t see how the endorsement of a capricious toddler really changes anyone’s strategy.
  2. I’ll just say that’s elevated fashion in light of what I saw this lot wearing at John Mueller BBQ’s grand opening and before he fell into disfavor.
  3. Their regular entree is $50. I remember when it was $19 and $7 for the snails.
  4. Size and strength are my first two impressions from that picture, as well.
  5. Olivia Beavers is a real person, right?
  6. Kavanaugh will vote with Roberts on something this contentious. The part of me that loves chaos does hope it’s overturned-I’m weary of both parties using the threat of something happening as a way to periodically whip up the base rather than craft legislation that revises the Supreme’s “undue burden” bullshit test. This would also be a good Schumer flex as Collins and Murkowski, maybe more might go along.
  7. Frankly this is worth it’s own thread. Interesting topic
  8. I also vote for Katy. The sense of entitlement based off an ignorant person’s idea of “making it” is pervasive.
  9. If someone wanted to go that much trouble, friend, they wouldn’t be asking for a website that promises an easy answer 🙂 The reality is that there’s not an approach without flaws when trying to divine what someone might be willing to pay in this market. Even an appraiser is beholden to comps listed on MLS that frequently don’t have their above list sales price updated until too long after the sale.
  10. They are pretty much all hot garbage. Ask a realtor for a comparative market analysis.
  11. As a consumer you have to understand that the loan that you and the lender are doing (regardless if it's a broker, depository bank, mortgage bank) are most likely creating is a product that more than likely is being made under eligibility guidelines that make it available for sale on a wholesale market. The guidelines are therefore the same regardless of who you might be talking to with a few smaller exceptions that are mostly for non-qm (the old subprime) or portfolio products. The fact that you are concerned about the pricing (i.e., you want to get the best deal) means you're liking in the market for a Fannie or similar loan. To your point, I'd want to see all of your financials, most likely before I determine pricing. For one, I don't like quoting a rate before I KNOW I can do the loan at all, and the self-employed oftentimes think they make more money than what they like to report to the IRS. Moreover, there may be pricing adjustments for the self-employed or other eligibility restrictions that effectively limit where the loan might be sold or delivered (principally on Jumbo loans that limit debt-to-income on the self-employed). Whether you pay yourself as a W-2 employee isn't really material if you own 25% or more of the business (in other words, you don't skip the underwriting scrutiny simply because you've structured your income as salary and file a separate business return).
  12. I’m dealing with this a lot because agents are deprioritizing VA buyers. Unless you hate America I’d let them make the switch as long as they understand your intention to enforce their payment of an appraisal shortfall (make them prove they have it if you need to). There‘s a win here for everyone if the buyer isn’t trying to use the VA loan as a means to change the terms of the sale.
  13. I’ll add that if a loan originator with most of my adulthood spent in the industry doesn’t know the answer for certain then it’s a great idea for the borrower to bring it up and keep their own originator honest.
  14. I think the typical junk fees from the title co aren’t finance charges (courier fee, to reference one that’s common but not universal). That said, my memory is hazy since the CFPB took away our old GFE’s and I’m not the one making or correcting the disclosures. I think it would be a clearer answer if the non-disclosed settlement fee resulted in an APR change of .125% or more.
  15. Not only is it a legit fee, it's a finance charge and really should have been disclosed by the lender. I'm rusty on these since we don't handle our own disclosures any longer (we have a compliance team that does them), but I think they need provide a change of circumstance to add a fee that wasn't disclosed on the Loan Estimate. If you've received a Closing Disclosure with the fee added but not previously disclosed then I'd look at the bottom of page 2 to see if they did an adjustment so that the lender is actually paying for it (this is somewhat hidden on the Closing Disclosure). Either way, I'd bring it up with the lender.
  16. #2 Moderna 12 hours ago-getting a little disappointed I'm not having a reaction as it would be some confirmation of immune response.
  17. I love Springer but I don’t think I would have matched the Blue Jays contract. Same with Cole, at least at the time. Who else are you upset about leaving? You mean the team is supposed to have ready replacements available for someone in the conversation for the best right hander playing and best CF? Of course next man up is a down-grade-you have to find improvements at other positions (Click’s failure in this area is troubling but that wasn’t your complaint).
  18. I feel like landlords that weren't anticipating this are going to be really cash-flow pinched this year.
  19. I’d consider that a command problem. I got stuck with so many needles during my time and there was never a moment when it was described as optional.
  20. I’ve always been more of the opinion that going in agent less (on the buy side) is more to compromise the listing agent. it’s a particularly useful strategy if you’re a “I’ll give them what they ask then negotiate hard during the option” type of investor.
  21. Barry Habib (mortgage and bond markets guy) was predicting higher rates because of inflation driven mostly by supply chain disruptions as demand for pretty much everything increases. He was also predicting deflation later in the year once the supply chain were moving smoother (and lower rates). I suspect he’s less bullish on both outcomes with the stimulus.
  22. I’m okay with that as long as payroll isn’t an obvious proxy for wins. It would be foolish to spend money on free agents just to give the appearance of being competitive. That said, there should be plenty enough revenue to consistently stay in the $200+ payroll range. If the Dodgers and Yankees aren’t going to exceed the soft cap I don’t know why we won’t stay right there with them.
  23. Yes, that the other part. From a success cycle standpoint it just seems weird to give up (by refusing to pay market for talent) when a) you have the means and b) you’re a World Series contender at full health. That’s the kind of shit I’d expect from McLane.
  24. I’m with Wulaw, I think Click is, or has been instructed to, save money even at the expense of cutting past the fat into muscle. If we’re going to have Verlander, Greinke, and Correa coming off the books but still are wanting to contend (which we kind of have to be paying Altuve and Bregman big money) then I’d like to know where the surplus money is going. Corey Seager? I don’t know all the pending free agents but CF and potentially SS aren’t obvious candidates to upgrade by much over what we fielded in 2019.
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