CuseTiger

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throw it at the principal

You’ll get that point down the road when you refinance

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Was leaning that way to save some cash upfront, sounds like it makes the most financial sense as well

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 BestBanker 

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Thank you :cheers:. I'm not the financial person in my family, but am learning it's a necessity to understand situations like I'm going through currently to have a better financial outlook in life

I am in the middle of applying for financing on my first time home and figure some people here can help me out :cheers:. After what feels like 15 calls with mortgage brokers today, I have several options and trying to narrow down my options but could use some help in figuring out the best path. Traditional 30 yr mortgage in FL.

Home price- $535k

Down payment- $20%/$107k

Remaining loan- $428k

Option A- 5.99%, underwriting fee of $1250

Option B- 5.875% at cost of $4280 for 1 pt, underwriting fee of $1250

Option C- 5.875% with broker fee of $6420 and a lender credit of $1280, underwriting fee of $1295

Option D- 5.5% with cost of $4280 for 1 pt, broker fee of $6420, underwriting fee of $1295

Where I'm struggling is trying to determine whether reducing the mortgage by 1 pt is worth the upfront cost or if it's better to just use the $$ saved towards principal of the loan? I've already lowered my 401k contributions to the lowest max (6%) so will have a higher cash flow for the foreseeable future. Using most of my reserve cash for the down payment so would ideally like to build that back up quickly after getting the house.

Any input is appreciated :cheers:

In

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Laguardia shut down until 2pm

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Just looked this up, holy shite! This happened last night??

I just turned on this game, what is this? I've seen about 4 bad misses and 3 turnovers so far

787 is a comfy plane, those seats will be great for the long flight.

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Also for the trip there(dfw to cdg) there are many more seats available to upgrade. Do prices ever drop?

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They can, just keep an eye on it! Aa would rather make some money on paid upgrades vs giving away free upgrades to elite members

Weekdays are trending better than weekends currently

I'm in agreement. Would rather you blow your nose than have you keep sniffling for a 3 hr flight

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Houston airports reporting 30% callout rate for TSA agent

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Uh oh. Recent trend has been weekends having the highest call-out rates. That was the case with Houston and MSY when you first made this thread. Which absolutely sucks for spring break travelers including families.

Correct and on United you do not get a carry-on unless you purchase a regular economy fare

Had first chair for the summit lift yesterday. After a few runs, took the base to base gondola over to Squaw



View from the top of the KT lift where you can hop off the gondola. This run was a sheet of ice



View from the top of sun bowl towards the lake



I wasn't a fan of the lines or snow over here so I went back to Alpine. I found Beaver bowl and the runs here were nice and soft



For shits and giggles, opted to do one nasty looking mogul run to end the day. These moguls were large and not uniform, but pretty soft



Last day today at Alpine then looking like my season may be over