ray_green
ray_green
@ray_green
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Topics: 0 / Replies: 11
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RE: Snowball vs avalanche method for tackling card debt

Totally get the superhero feeling, it's definitely motivating. But just to offer another perspective—I've seen some folks get a bit too carried away w...

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RE: When Can I Finally Ditch Mortgage Insurance?

Most lenders I've worked with usually want a formal appraisal, at least in my market. I've heard of some accepting broker opinions, but it seems prett...

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RE: Buying a house after bankruptcy—bigger down payment or wait it out?

From my experience working with clients who've been through bankruptcy, it's usually a mix of both—but honestly, the credit score threshold tends to c...

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RE: Career Crossroads: Stick With Stable Gig or Jump Into Risky Dream Job?

Totally get where you're coming from—reminds me of when I first jumped into real estate. Left a steady teaching job behind, and yeah, friends thought ...

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RE: Smart Thermostat Vs. Energy-Efficient Windows: Which Saves More Money Long-Term?

Totally agree on the timeline factor. A few years ago, I upgraded the windows in my own place thinking it might not be worth the hefty upfront cost. H...

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RE: Wondering if I can still qualify for a HARP refi these days

Definitely agree with double-checking those dates and details. Had a similar experience myself—thought everything lined up perfectly, but turns out my...

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RE: Home equity loans and taxes—did you know this?

Totally agree with this. I've seen plenty of folks get tangled up trying to chase tax advantages that end up being more hassle than they're worth. Hom...

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RE: Feeling Stuck Paying Only Interest and Getting Nowhere

Totally relate to this. Interest-only can feel great at first, but eventually you realize you're basically renting your own mortgage...ouch. Switching...

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RE: Is buying new worth the hit, or better to grab used and save?

Smart thermostats can be handy, but honestly, I've seen plenty of clients install them and barely touch the settings afterward. Sometimes the simpler ...

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RE: Career Crossroads: Stick With Stable Gig or Jump Into Risky Dream Job?

Totally get where you're coming from—seen this scenario play out a lot with my clients. A few quick thoughts: - Pressure can definitely be motivating...

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RE: Transferring your mortgage smoothly without losing your mind

I've had similar experiences with escalation, and honestly, it depends on the situation. A few things I've noticed: - Escalating early (but politely!...

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