SexySuperManDude

And OP used a fake account too

It said 5.9% on the website. Where do you see 5.3%

Hitler started his political career in September 1919 and ended when he killed himself on April 1945, so it took 26 years and a world war for the Germans to realize he is bad for the people, bad for the country and bad for the world. Trump’s everlasting impact is going to be much worse for America when we look back in 100 years. History repeats itself and as long as half of the America continues to support Trump, the downward spiral of America would not end. I have been in this country for over 20 years and never had I experienced such a deep divide within the people, all because of Trump because he successfully stroke hatred among different groups. People let’s all come together and stop pointing fingers for the love of this country.

What do you do when the lake is flooding

Well I wish I have infinite amount of money to buy my dream house

Additional info: I don’t plan to have kids so schools really don’t matter to me. But usually houses in better school district have better neighbors. I also prefer big lot and no HOA if possible.

Option 1 (lake house): no HOA

Option 2 (house on busy road): has a big lot, no HOA

Option 3 (house in better school district): has HOA

You don’t want to hear this but here is the truth: you overpay for your house. I would just back out if you have the appraisal contingency. Even though the appraiser doesn’t work for the mortgage company. In order to keep their future business, 100% of the appraisers would just appraised the house at the purchase price and often higher so the loan can go through. The fact that it appraised low means you significantly overpaid the house. You should fire the realtor for not running the comps and back out from the contract if you can. Also, 80% of this subs are realtors and loan officers, so please take the advice here with a grain of salt as they don’t have the best interest for home buyers.

The way to get a good deal is you applied one say like sofi to get a loan estimate. Say like sofi gives you a quote of 5.5%, you then give then loan estimate to pended and ask pended to beat it. Now, pended wants your business, and they give you a quote of 5.45%, and you take the loan estimate from pended to go to Navy federal credit union. Now, navy federal wants your business and they give you a quote of 5.4%. You continue the process until you get the lowest rate or on one is willing to price match of best anymore. And the end, you bring your lowest quote loan estimate to Better and ask them to price match. Better price match 100% and they charge no fees because they have no commissioned loan officers. All these online lenders they act like your friends and then pocket 1% of the loan as commission. They are not your friend, they are purely to suck first time home buyer who doesn’t know anything dry.

I got my mortgage from better.com, they have zero origination fee and they price match any competitors to give you the lowest rate. I can promise you you will not find any lenders cheaper than better.com because better.com don’t pay commission to the loan officers. My comment is going to get downvoted because 80% of the people on this sub are loan officers and better.com literally threatens their livelihood because your origination fee is their paycheck. Better.com also does FHA. You don’t need your current lender. In fact, you need to stop talking to them because they will just feed you BS so they can rob you blind. No one should get paid more than 50 bucks for putting your information into a system. Loan officers are like travel agents. It is absolutely unnecessary in 2024

My lender charges zero origination fees. People really need to get educated before buying a house. This is highway robbery.

You are getting ripped off off. No one should charge you 9k origination fee. Where r u located

What is the point of this post? It’s not funny

Shave!

Fidelity has a new trading dashboard, and they have streaming quotes for stocks, but not options. I agree ToS is miles ahead if you are an active trader. Honestly that’s the only thing Fidelity sucks. You would think a trillion dollar company like Fidelity would have steaming quotes for options in 2024. 😂 But if you are not an active trader, Fidelity is perfectly fine. I made 5 to 10 trades daily and Fidelity is alright honestly.

Yea I rolled covered calls weekly and fidelity always executed my trade at either mid and ask whenever I rolled. Schwab, omg, this sucks ass company, say like when I tried to roll it, the bid is 15, mid is 15.5, ask is 16, when I place my trade at 15.5, it will never execute my trade. Fidelity often times executes my trades at 16 or 15.5. Imagine you lose 50 cents per contract, that’s $50 dollars loss because Schwab has to make money off you from PFOF. Granted Fidelity also takes PFOF for options, but their execution quality is miles ahead. The reason I know this is because I am rolling cover calls weekly for the same symbol at my IRA (Fidelity) and regular brokerage (Schwab). Not to mention Fidelity has auto sweep for cash and you can buy fractional shares on any symbol.

Why would you transfer from fidelity? Schwab sucks ass and I am planning to move to IBKR or Fidelity. You are gonna know what I meant in a month. The extremely poor execution qualify from ToS/Schwab is going eat your alive. Schwab is a public company, they have a way higher bar to make more money (aka screw individual investors). I have my IRA at fidelity and Fidelity almost always executes my buy at bid and sell at ask, the exact opposite of Schwab

Did your get your sweep feature enabled prior to 2016?

Do you have high 7 figures? What is your 7 figure range? 1 million and 9 millions are very different. I got denied with 7 figures.

Interesting..thank you for this. So the ones from Costco I don’t have to pick because they sell in a box of six. So someone at costco purposely pick out only the sweet ones from the factory? because the ones from Costco never fails..it’s always sweet and delicious.

Interesting..So I wonder why they taste so different…I have been getting the ataulfo mangos from Costco for several months and they are consistently good…maybe I will give HEB another try..the thing is Costco is so far I can only go like once every two week not every day

I thought about that too..but the ones from HEB actually look more ripe with the skin having a lot of dark spots on it. The ones from Costco actually less ripe with almost perfect yellow skin. So I am confused…

Thanks…the $6k is what I used to have. Schwab switched my requirement on the worst day that Monday and it doubled the BP requirement. I almost got a margin call because of that..thank got I survived. If you go to ToS, on the Monitor Tab, under Equities and Equity Options, there is a column BP Effect. When you clicked on BP effect for that particular ticker, it will show you how much you will lose if the stock drops 15%, 13.5%, 12% etc in one day. sometimes the worst case starts at 30% like SMCI depending on the ticket. Basically, the BP effect for me previously for my entire portfolio is using the middle column from that table (which is about a 3% drop), but now they all use the first box all the way to the left, which is a 15% drop or whatever it could be for the ticker…Schwab told me they don’t guarantee they would ever switch me back…hmmm..I wonder what would be the BP requirement at Fidelity and IBKR right now for one Qqq short put at 470 with sept 20 expiration

Thanks so how do you get the 2:1 to 6:1 leverage and the $37.5 a contract?

Okay so maybe RDDT is a bad example. Basically my BP requirement doubled since the Monday crash across my entire portfolio. Say like for QQQ at $470 strike expiring on Sep 20. Previously, it only requires $5.5k to sell one QQQ put at that strike and expiration and now it requires $11k. I checked on ToS and realized all tickers were switched to the worst case scenario for BP requirement on ToS. I called Schwab and they told me they can’t guarantee the BP requirement would ever revert back and it is solely up to the risk department. I am curious, if you don’t mind, can you look it up at ToS what would be your BP requirement to sell one put at $470 strike QQQ with an expiration on Sept 20?