audioaxes1

ofcourse sales will drop because fewer people are willing to sell and why should they? So they can rebuy a more expensive house with a much higher rate?

this does not mean prices are going lower but in fact prices could even melt up from here. We wont see a sizable correction until the supply outstrips demand and for that we an catalyst like a recession with layoffs->foreclosures or when baby boomers start leaving the housing market in mass (moving into nursing homes/dying)

ouch! I was in this months ago and cut my losses at the near bottom... didnt realize it went on a 70% move after it I sold

primary residence in California
about a dozen rental properties in Indiana

I made out decently with ATT dividends plus premiums off of covered calls but so many other plays in the same timespan would have been so much bigger

I use zillow mortgage rate tool to find the most competitive rates. It has worked out well for me for the few loans/refis I've done, which were all small/relatively unknown companies used.

if you are into using points for travel then chase freedom unlimited is basically a 3% cashback card (1.5% cashback in the form of UR points on everything) and it doesnt take much effort to find atleast 2X value on UR points when transferred to other reward programs)

luckin coffee options were cheap too just before they shut down

ATOS is entering a perfect storm that can send it skyrocketing very soon...
-very high short interest that can cause a short squeeze as they are forced to cover
-gamma squeeze from crazy volume of option calls being made
-upcoming index inclusion where institutions have to buy shares
-inching very closely to 1Billion valuation where it could then be hyped up on WSB

this is just about as confident as I ever felt for a big short term play

You should compare your loan terms to the best offers in Zillow rates

when my wife bought a Lexus RX they pushed hard for extended warranty. I flipped their script around and said if an extended warranty is so important then we are having second thoughts on the reliability of this car and walked out. We got a call the next day with them offering knock another $250 off the price.

and with today I completed my last class for this program with all As. So glad to be done.

from piggybacking off of some fintwits I zero'd in on IWM as a ticker that should continue to down trend on the weeks ahead.
I decided to play it safe with just doing call credit spreads instead of buying puts. My spreads for 3K credit are pretty much guarantee for their 4/23 expiry and I tripled down for 10K of credit expiring 4/30.

if you are financially disciplined I would mortgage. A mortgage is just about the cheapest money you can borrow and you should easily be able to out earn the interest fees with the cash that would have been used to pay off the house

I use Alliant Credit Union as my main bank. Not only do they pride themselves in constantly trying to compete among the highest savings rates (currently .55%) around they are just an all around awesome bank.
-easy to use interface makes it a perfect banking hub to hook up all your other various bank accounts
-doesnt try to nickel and dime you with BS or excessive fees, few times I got hit with an unexpected fee I called them up for a courtesy reversal
-ability to create extra savings accounts instantly (no credit pull or application) which is handy when you are trying to segment funds
-supports the biggest ATM networks and gives automatic ATM reimbursement fees if you use an out of network ATM
-even gives an interest rate on your checking account

Only negative for me is I dont live anywhere near an actual physical branch location which can become a problem if I ever needed to withdraw a large amount of hard cash on short notice but Ive done just fine banking with them while never stepping foot in a branch after 12+ years

appraisers are not home inspectors. Did you not get a home inspector?
Was there a seller disclosure when you purchased the home?