Check out SoFi.com. We refinanced my wife’s 6 or 7 different loans through them (undergrad and medical school, federal and state) into a single monthly payment at 3.43% for a variable interest 10 year loan. We chose variable because I know we’ll pay it off within 3 to 5 years and the LIBOR (the variable interest…

After considering the various ways to pay back my wife’s $175,000 medical school loans and incur the least amount of interest payments possible, we refinanced with SoFi.com and for us, it was the best decision we could have made.

Also, factor in taxes. If you’re in a high tax state (NY) you’ll be responsible for a large tax escrow and reimbursement for any taxes the seller has already paid for the year.

Maybe in buyers markets, which there haven’t been in 7 years. If you try that now, the seller will laugh and tell you take a hike because they had 7 more offers this morning.

Nope see the comment above. It is absolute not what you think it is. Here, let me help you:

Use 5-6% of the selling price as a guideline. That chart is not even remotely accurate.

No, that’s not what it means. When the seller “pays” the closing cost you’re just rolling the closing costs into the mortgage. The seller is definitely not being nice and covering your $10,000. The closing costs are yours, not there’s. There’s no reason they’d pay them unless they’re willing to take $10,000 less on…

Usually, at least in my experience, closing costs are approximately 5-6% of the selling price. I can say, in NY those numbers are so far off that a bank would probably laugh in your face if you said you wanted a $2,000 closing cost.

When the seller pays, it really just means it’s rolled into your mortgage, so you’re paying either way, just not necessarily up front.

Well, it’s certainly not pathological (bacteria, virial, though prion could since it could take 3 to 5 years to set it). However, if you consistently eat at McDonald’s you’ll definitely have issues like in that documentary Supersize Me. Though, I’m not sure you could properly label that as “food poisoning” as it’s…

Anything going in, during violent expulsion, comes right back out. Doesn’t matter. I suppose if you fed yourself any liquid with a medicine dropper at a slow enough rate, you wouldn’t throw it back up. But, an ice cube was all I had available. More than a few cc’s at a time meant disaster.

Usually between 8-12 hours. But, throwing up and then feeling fine is not food poisoning or is an extraordinarily mild case. Actual food poisoning is something I honestly wouldn’t wish on my worst enemy. It is pure misery, there’s just no way to describe it that accurately conveys the feeling.

Luckily, when I had food poisoning it was during the summer between undergrad and law school, so I could just lay on the couch. When it hit, I was alone in my apartment and I was expelling everything from about 8pm until 5am. I couldn’t drink water because anything going into my stomach immediately came back up. I was…

Then I’m willing to bet it wasn’t food poisoning and it was something that just didn’t agree with you. Food poisoning is violent.

Prepare for the worst 24-72 hours of your life, with the added bonus of feeling like shit (though thankfully things stop involuntarily coming out of you) for about a week while your body recovers from the trauma.

I agree, that’s why it’s dead last. I’m a tax attorney on a track to be a partner in 4 years and my wife is a resident neurologist finishing residency and fellowship in about 4 years. In, lets say 5 or so years, when I’m 37 and my wife is 33, our before tax income will be somewhere around $400,000 per year.

1. Pay off wife’s $175,000 medical school loans. We’re half way there and on track to pay it off by Sept. 2017. (2 years)
   

That’s sarcasm, right?

Tell me it gets better. She’s about 2 months into her 2nd year (1st year full time neurology) and she hates the hours, she hates the ridiculous workload, the fact that even the secretaries boss her around. End of residency cannot come fast enough.

My desktop PC with Windows 10 has been on 24/7 since upgrading. It constantly runs a Plex server, VPN, syncs all Google Drive, Dropbox, One drive files, as well as syncs my libraries with my NAS.