Posts by rowdypilot19

Man, I can't quite wrap my head around it, but I don't think they're actually running checks on you... I mean, I suspect they're probably just looking for an itemized cost breakdown instead.

Since there’s so much "I think" and guesswork going on here, maybe it's better if someone else weighs in. 😁

You should be totally fine making a monthly payment of $333. I think most banks let you borrow up to about a third of your take-home pay now, so in your situation, we're talking roughly $589 a month.

The real question is... what kind of apartment renovation are we actually talking about for $750? It sounds like maybe just some minor touch-ups or something small.

Here’s a calculator you can use:

https://www.chase.com/personal/loans/calculator

Go ahead and play around with the numbers. I guess if you're looking at that total amount ($375), a monthly payment of maybe $110 over 7 years seems about right. For a term and amount like that, the interest rate almost doesn't even matter—the difference in your monthly bill might only be the cost of two or three coffees, so it's basically negligible. Still, if I were you, I'd probably just go with a fixed rate to keep things simple.

As for picking a bank, honestly, I bet the rates won't vary by more than a few bucks between the cheapest and most expensive options in this case.

Well, when you look at it through the lens of how short life actually is... I guess. 😉

https://www.sciencedaily.com/release...0422154911.htm

Does anyone here know anything about projects like this?

I remember hearing somewhere that a bunch of big oil companies—maybe ExxonMobil or something similar—were pouring billions into research involving massive amounts of bacteria... I wonder if there's any actual news on that lately?

Oil production could seriously tank once they stop making all the plastic... though, I guess, maybe not within our lifetime.

Then you've got asphalt to deal with too... and man, we're screwed. 😁

I mean, why would anyone even bother buying anything in America at those prices? Like, what’s the point if it’s way overpriced and you don't even really need the thing in the first place?

You’re telling me they’d ask a million bucks for a 192 square meter place out in the middle of nowhere, maybe an hour away from any decent beach? No way. Please don't tell me that house comes with a massive acre of yard too.☕

People who go all-in on gold as an investment... I mean, they’re usually prepping for those massive, once-in-a-lifetime crises.

In those kinds of scenarios, history shows us that gold has actually been banned before. And honestly? It’s entirely possible some government might decide to start seizing it again. So, maybe it’s just safer if nobody knows you even have any.

Though, I guess if things really went south, you could always just claim you already sold it off.

I mean, why wasn't that gold sent away back during the Cold War just to make sure the Russians didn't get their hands on it? Like, some of it went to the USA, some to New York City, and some to New York City too... I'm thinking maybe that stuff has been sitting there since way back then.

I guess they just didn't care about asking permission, and honestly, they probably didn't need to. ☕

Of course it’s possible, I mean, it really just comes down to the specific terms and how much you're actually looking to borrow, but honestly, those kinds of loans are pretty common around here.

Yeah, exactly, Wells Fargo is one thing, but obviously, it’s not like the Federal Reserve is asking all the banks for the same stuff. 🙂

JPMorgan Chase isn't asking for any of that at all, not from their long-time clients or anyone just starting out.

The Federal Reserve hasn't been asking either, or at least that's what my brother tells me, I guess.

Thanks so much.

I’m really just looking into deposit rates, specifically at Chase, Wells Fargo, or maybe Miami. Honestly, I don't even need all three, just one would be fine.

Do you actually have any specific data on this?

I mean, I could have said the exact same thing, just guessing at currencies or numbers without having a clue...

I was just wondering, like, what kind of number are we actually talking about here to qualify for Verizon status?

It’s not even about his turnover, I mean, that’s exactly why I’m asking... what kind of "VIP client" is he supposed to be? For crying out loud, his annual revenue is barely around $30k. 🤣

And don't even get me started on that guy from Chicago and how he's pulling cash out of those land sales. 🤣 🤣

Then why on earth were they all acting so miserable when my brother was heading out? 🍿

That’s just total nonsense, honestly... they won't do a damn thing... I mean, my brother actually just switched banks, and you can really see which pieces of info are actually necessary and which ones are just fluff when things get tense. 😁

They tried to corner him about that whole mess, and he was just like, fine, I'm not giving you anything, go ahead and freeze all my accounts then. The story changed in a heartbeat, like, suddenly they didn't need all that stuff, just give me this one little thing... he wouldn't budge, he just closed everything down and moved his money over to JPMorgan Chase. 🍿

Man, you're totally killing it.

If you actually work in this industry, man, I just feel for you. God, it’s such a grind.