All Forum Posts by: Carlos Tavares

Don’t trust credit karma, there info/score isn’t accurate your online credit card fico scores are most accurate 

But you can and should look into refinancing your car loan every year if it has a high rate as your credit improves and if you do do not extend the loan just get a better rate 2 points would be good and your payment will be less can save you $30 month

Greetings 

I would have to say communications more precise “networking”  dealing with people 

$600 to replace a toilet!?! Omg I’m in the wrong profession

Greetings 

My take on this subject is it’s not just an insurance problem but a tenant problem with not enough outlet or can’t handle the load because of less total circuits.  Options is to have the seller fix it or have them credit you the cost and not tell insurance and immediately fix it after closing, because like Anthony said it’s a deal killer 

Seems like there’s a fee for closing costs , more then likely from the bank /lender 

You can’t borrow money for free from the bank 

Well do the math 350k + 10k=360k if sold for 390k what would be your net profit after fees and what not vs cash flow if it’s not much I would suggest holding it for a few years but that’s me 

If you already refinanced then did you pull out money? If so there might not be enough left for a heloc if your @80% ltv 

Personally I would only because nobody wants to pay high rents with high utility costs, my coworker is going through that problem now, he’s renting an apartment but his November utility bills came in @$200 for a 2 bedroom, he’s not to happy with that, he also has old windows and no insulation, maybe others can weigh in on this, hope it helps 

I think this thread should be closed / deleted , it’s getting to political and I feel it has no place in these forums... just my 5cents 

Cash is king for a reason , it gives you the power to buy deals that would normally have a lot of yellow/red tape and save you thousands, then you can make repairs and pull your money back out if need be (cash out refinance)  very few people have enough cash and even fewer want to tie it up either but with the right deal it can be a game changer!