PinnedHas U.S. Healthcare Really Become a Mob Protection Racket?“That’s a great looking daughter you have there. Be a shame if something happened to her health. Just sign this here financial release…Sep 8, 202318Sep 8, 202318
PinnedI Used These ChatGPT Prompts to Prepare for a Doctor AppointmentHere are the ChatGPT chat logs from my preparation for a recent healthcare appointment and the followup visit with a specialist.Mar 91Mar 91
Pinned30Y in 30D • Y16: The Total Cost of Ownership of Your HousePotential risks — costs that catch new homeowners by surprise. How much does your house really cost? Hint: it’s not just the sales price.Nov 29, 20232Nov 29, 20232
PinnedA Friend Texted to Ask “Who I Favored” for 2024 and Hated My AnswerHere is the original chat thread. The last pair of texts is where everything started to go off the rails.Aug 28, 202312Aug 28, 202312
PinnedKickstarting “30 Years in 30 Days”—Decades of Mortgage Wisdom in 1 Month30 years’ worth of savvy wisdom about house mortgages — one year per day for each of the 30 days in November!Nov 1, 20235Nov 1, 20235
Mortgage Refinancing Explained: Real Stories, Practical InformationTwo real-life stories that illustrate the upsides and downsides of mortgage refinancing — essentials that homeowners need to know to…Jan 142Jan 142
Economic Shockwave: Envisioning 2025 with 1982-Style 18.6% Mortgage Rates30Y in 30D • Y19. If mortgage rates rise anywhere close to 1982 levels, it makes the median-priced home 100% unaffordable to the median…Dec 25, 20236Dec 25, 20236
U.S. Mortgages in 1982 vs. 2021 vs. 2023 — the Good, the Bad, and the Ugly30Y in 30D • Y18. It has been a wild journey in mortgage rates for the U.S. over the past 41 years from sky-high levels to record lows.Dec 21, 20234Dec 21, 20234
How Saving $20K on PMI with a Bigger Mortgage Down Payment Probably Costs You Over $250K30Y in 30D • Y17. It’s crazy how high the actual — but avoidable — cost is of following advice from real estate pundits. Larger down…Dec 13, 20235Dec 13, 20235
30Y in 30D • Y15: Simple Question, Complex Answer — The True Purchase Price of Your HomeThink your house purchase price stops at the sale price you agree upon? Think again. It’s often just the tip of the iceberg.Nov 26, 20233Nov 26, 20233