2021.10.19 04:03 temp_PFNZ Paying for house renovations
To prevent identifying info, I am asking this on a throwaway account.
I am renovating our home we purchased fairly recently and am considering ways to finance it. The bank has offered a construction loan at 3.8%, but it does require us to refinance, and thus pay lawyer fees again. As we are being forced to refinance, I thought it may be better to switch banks entirely and find one, such as Heartland's 2.9%, with a lower revolving credit facility. Equity should not be a problem as we have a ~600k mortgage on a Kafkaesquely valued 1.5+m house, so I expect other banks will match cashbacks and cover break fees, which will likely be near zero anyway.
Our current mortgage is separated into one year 2.19 and two year 2.49. Construction loan will be 3.8%, but withdrawn money can be moved into a fixed rate at any time.
We expect the needed renovation loan to be around 250k, and the additional mortgage payments will not be a problem to pay.
Any suggestions on how best to go about this?
submitted by temp_PFNZ to PersonalFinanceNZ [link] [comments]
2021.10.19 04:03 misha511 [H] 70% LTC, 80% PayPal/etc. [W] Physical Amazon GCs/balance (<=$1600)
$20k+ buying reputations pinned to profile
I only buy cards/balance that I know are legitimately obtained. Please message me after you comment on here. Expect to go through a test to ensure that I can buy from you. Please message me via Private Messages:%20%0A%0AAmount:%20%0A%0AOrigin%20(where%20the%20card%20is%20originally%20from):%20%0A%0AThank%20you!) after commenting on here.
PayPal F&F might be possible if you're from the US, G&S otherwise.
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2021.10.19 04:03 that_kelly Danny’s new persona?
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2021.10.19 04:03 Great_Ape_3978 Clout Tea ®
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2021.10.19 04:03 WorldNewsinPictures Get Ready to Hand Jive, its GREASE NIGHT on Dancing With The Stars! CL LIVE TONIGHT at 8/7c on ABC And Stream on Hulu.
Get ready to hand jive, its GREASE NIGHT on Dancing with the Stars! CL LIVE TONIGHT at 8/7c on ABC and Stream on Hulu. Every week I look forward to Tyras wardrobe. Shes fabulous.... MORE -> https://worldnewsinpictures.com/dwts
submitted by WorldNewsinPictures to WorldNewsinPictures [link] [comments]
2021.10.19 04:03 Thaboy60 https://t.me/joinchat/uT-0okUM4Ic3MWNk
2021.10.19 04:03 Verseoftheday Verse of the day in English - Proverbs 16:20 NIV in English - Verseofthedaybible.com
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2021.10.19 04:03 Soft-Fun-1546 imagina que fita quando a Coreia do Norte acabar. Será que a família Kim vai ser julgada por crimes contra a humanidade?
2021.10.19 04:03 LostInDarkVoid May i ask a few things?
A teen gay here , I have a few questions as someone who is terrified of leaving the closet and wanting to make myself more comfortable in my own body and how to explain things.
What Is a good way of saying "I'm aromantic but also lesbian"? As once I come out and explain what aromantic is I'm sure I'll get questioned of "how do you know if you're sexually lesbian if you're not even romantically attracted to anyone?"
(Non binary) Is it ok or normal to not know what name I want? I have a few I like and eventually want to have someone say multiple of them so I can see what one I like most. Is this ok? Do I have to decide before coming out?
(Nsfw question, I've made this a "spoiler" incase you're uncomfortable by it.) Is it alright for me to be uncomfortable at the thought of a strap on and dildos? I kinda have an idea of what both are but i don't like it. From what i know most (or all) lesbians like it and now i'm worried it's abnormal. By uncomfortable i mean VERY uncomfortable... That sounds pathetic, i know but i wanna known if it's okay to feel like that towards an item.
Binder things i should and shouldn't do? I plan on getting one! I have occaisional top dysphoria (odd, sometimes i don't care about my chest and most i hate it. so damn much but i don't want surgery, is that also ok? to have dysphoria and no dysphoria on different days or am i odd?)
I'd appreciate some answers (and i also request that answers to the nsfw question are "spoiler marked" so anyone uncomforable isn't more uncomfortable.) and in general to know if people have the same experiences or feelings.
submitted by LostInDarkVoid to lgbt [link] [comments]
2021.10.19 04:03 CheeziestTonkatsu I need you to tell me(22F) to not go back with my boyfriend(M31)
My boyfriend(or ex i guess) have been on a 3 month argument already. Not because I want to, but because any effort i do to make up is shut down and I am ignored.
He has a history of being very very distanced. Its frustrating but hes a very funny guy who has always been there for me when i needed so I tried to wait for him as we worked on our issues.
But around a month ago, I started to get ready for my college application.
I am an international student who grew up in a very harsh and poor environment. So, as you can guess, my education and going to college is one of the biggest dreams i could ever have.
Since it is so important, i asked my boyfriend if we could perhaps put a break on our fights because I really needed him. I asked him if he were open to proof read my application essay and answers since he is the only English speaking native I know. I really needed him at that moment and yet.... he failed me.
Its been a month and he hasn't answered to my request. He said he was trying to reconcile with me but that just didn't know how to.
The last message I sent him was a week ago when I told him he had until Wednesday to help me. I told him if he was not going to help me then I simply don't see how could I ever forgive a guy who had dissapointed me so deeply and that I would see myself forced to leave this relationship.
I honestly think he won't stand up to the task. I think he will fail me. I think if I were to have him back after such a dissapointment it would be a slap to my dignity and my self worth. I think I dont deserve to be hurt this way by the person who says to love me so much.
At the same time, I really miss him. There's nobody in the planet who has made me laugh so much and genuinely has given me such a good time.
Am I doing the right thing by leaving him? Am I being too selfish? Am I being too unreasonable? I really don't know and I need some help...
submitted by CheeziestTonkatsu to relationship_advice [link] [comments]
2021.10.19 04:03 DARTH-GOLD-HIMSELF Oh no …
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2021.10.19 04:03 VR_IS_DEAD HTC’s new virtual reality headset is so small and lightweight you might actually want to use it.
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2021.10.19 04:03 THE_WILD_RAVE big jho theme starts playing
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2021.10.19 04:03 matthoulihan We just broke the game, lol (tower of chaos - level 314)
so I was playing tower of chaos on normal mode speed running for high level and loot bonus. I got like 20+ green items, but that's not the point! We reached level 314 and broke the game. Around level 300 I noticed that it was getting a little bit buggy, but on wave 314 the enemies all failed to spawn, the clock ran down to 0:00, we didn't die, the enemies were killed by the time, the chest was not openable, but a portal opened up in the middle of the map to allow us to leave and return to the social area of the map. It was pretty epic. My thought is that the enemies speed was enhanced to the point that they moved to fast and literally straight through the holes in the map and into oblivion. They were getting REALLY fast after wave 200, at that point the 'kill enemies near the fire' bits were actually easier then prior levels, because the mobs just ran at you so fast. Anyhow, I was wondering if anybody else has experienced this, and wanted to brag. Wooop!
I consider this to be literally beating the tower of chaos, and reaching the highest floor. I'm not sure if I had like a series-X console if the game would play farther, it's really got me thinking. I did this on an Xbox One. Anybody got a series X, a good build, and a few hours to try it? lol. Gift me an X, lol.
Anyhow, that's all, wondering if we are alone in this experience, or if anybody else has 'defeated' the tower of chaos?
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2021.10.19 04:03 IceBuffalo Milk is not cows!!
2021.10.19 04:03 TheDailyNick 'The SpongeBob Musical' to be Presented at The Play Group Theatre in White Plains, NY
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2021.10.19 04:03 lochydjango Cheetahs Subreddit Statistics
2021.10.19 04:03 LouSpowel Free Fight: Colby Covington vs Tyron Woodley
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2021.10.19 04:03 Specialist-Owl9676 Trading: clockwork (103) lf: chill and another small godly
2021.10.19 04:03 wowrealadvice Fat Burning Smoothies Before Bed - Lose Weight While You Sleep #shorts
2021.10.19 04:03 pushme2thehedge Crazy Rampart clutch
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2021.10.19 04:03 Sickleyman A few days late, but I had some pretty cool mail last week:
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2021.10.19 04:03 lynnecarroll Joshua Mauney ARC former national director of church planting for the Association of Related Churches (ARC), is being accused in a lawsuit of raping and sexually assaulting a female staff member at his former church in Florida, Newsound Church. The lawsuit names ARC and Newsound Church.
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2021.10.19 04:03 BestEggplant69 Unsure
For a couple months now I’ve been suffering from severe anxiety and outbursts of depression. I got tested last Thursday by a psychiatrist and I find out my results Wednesday. This all started around last November when i was in a relationship that was mentally horrible for me. On top of that I have a very narcissistic mother, who I was fortunate enough to get away from by moving in with my dad however she is my mother and only lives a couple minutes away so I am forced to go to therapy with her etc.. the events that caused me to move out of her house were the events I feel like heightened all of this anxiety and depression for me. It started with smaller outbursts where I’d be happy then I’d be sad for a couple of days. Then ITD go back. But now any small anxiety related event sends me into a horrible depression where I have no energy for anything and I start to get distant with everyone around me except for my boyfriend who I feel iss the only escape for this around me. I’ll be okay then it’s like a flip switches for weeks. This has caused me to quit jobs, slack on school, and lose relationships around me. I don’t even understand what could be wrong with me but I’m unsure of how to go on like this. I’m not trying to put this burden upon anyone but therapy isn’t helping and everyone around me is so tired of me.
submitted by BestEggplant69 to mentalhealth [link] [comments]
2021.10.19 04:03 ihaveanameiamcool My first NFT! Link in comments. (this gif is just a preview)
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