Posts made by gremln007

@ctcarl said in Daisy Outdoor Products Model 1938 Red Ryder BB Gun $19.99 + FS w/Prime @ Amazon:

“You’ll shoot your eye out, kid!”

Good job! Came here just to see the obligatory quote I knew I could count on you guys.

Great, easy to use devices. I don’t think they get cheaper than 19.99 also.

I pulled the trigger on this. Got another email with a new customer code and then one about first order. Got the price down to 99 cents again. I will post back in July once I have eaten some of it.

Just got this today:

For a limited launch special, use promo code JUNE149 at checkout and pay just $1.49/lb.

Expires 2/10.

@redmed

My employer switched to Verizon. They gave me an S8 to replace my old carrier’s S5. I have not had any of the issues you mentioned. I will say that the S8 is very expensive if you are buying it yourself. You might consider the J7 which can be had for around $200.

Duh! Totally missed the promo code.

Thanks for the help.

Hmm, this is interesting. I have not heard of this company.

Does the price drop when signed in? It is showing me a different price: $1.89/lb X 40.00 lbs | $75.60/case.

Maybe it varies by location. Thanks for any info!

This thread reminds of the crazy threads on FW where people would stock on wiper blades. I never understood it but I loved the excitement of folks hitting Sears and getting 20 sets.

Would this work like ice cream salt for outdoors use? ie prevent weed growth.

Check out https://www.nearlyfreespeech.net/

Great prices but minimal hand-holding.

Thanks OP! I don’t use Google Play but apparently having a google email counts.

I got this question recently with BOA and another provider. I assumed this is patriot act or similar, but maybe not.

@frugalfreak said in Post your favorite windows software thread:

Paint shop pro

Wow… Haven’t thought about PSP in YEARS!

Jasc sounds familiar too.

On another note, CutePDF is awesome and everyone should install it.

Thanks @VegasVegan

Is that regular gas or some type of premium?

Thanks @aigo! It also seems like BRMs are a bit like unicorns…

Can anyone explain / share their experience with the referral link getting 100K instead of 80k? I had not heard of that and had been thinking of getting this card for the points.

TIA!

Thanks OP! Green for you

My first PhW hotdeal!

Is the keyboard sold separately?

This thread’s purpose is to consolidate discussion of all HELOCs and list current best rates and fees.

DEFINITION OF HELOCS- (To be added)

WHY GET A HELOC EVEN IF YOU DONT NEED ONE!
HELOCs have many advantages, even if left “untapped” and NEVER USED!

AND NOW FOR THE BEST HELOC DEALS (not in particular order)

Please try to organize by lowest rates. Current (31 Dec 2016) prime rate 3.75%

1. https://www.hfcu.org/ Rate is (0.5% below Prime) for 75% LTV and Prime for 80% LTV. They do a free appraisal if they cannot get the value of the home in the Home Value Estimator (drive by for less than 250K in loan value, more detailed for loans more than 250K). They offer a no closing cost HELOC with the option to lock to a fixed rate [MAY need to pay $200-300 recording fee, but in IL at least absolutely no fees]. BUT: They don’t lend to Texas! As of December 2015, Hanscom has reduced their CA HELOC LTV to 50%.
   [One member had an isolated “BAD EXPERIENCE”. Another found them very responsive and easy to deal with.]

1.5 Please try to organize by lowest rates. Current (31 Dec 2016) prime rate 3.75%

1. https://www.hfcu.org/ Rate is (0.5% below Prime) for 75% LTV and Prime for 80% LTV. They do a free appraisal if they cannot get the value of the home in the Home Value Estimator (drive by for less than 250K in loan value, more detailed for loans more than 250K). They offer a no closing cost HELOC with the option to lock to a fixed rate [MAY need to pay $200-300 recording fee, but in IL at least absolutely no fees]. BUT: They don’t lend to Texas! As of December 2015, Hanscom has reduced their CA HELOC LTV to 50%.
   [One member had an isolated “BAD EXPERIENCE”. Another found them very responsive and easy to deal with.]

1.5 https://www.towerfcu.org/borrow/home-equity-options/ (new link, 9/23/2017)
Rate is (0.5% below Prime) and NO closing costs or fees. With a rate of (prime -.50%), a home equity line of credit gives you a credit line from $5,000 to $312,700 when the credit limit does not exceed 80% of the equity in your home. A credit line greater than 80% of your home’s equity is available up to $250,000 at a rate of (prime + 1%). NOTE: They don’t lend to Texas.

2. https://www.deltacommunitycu.com/personal/loans/home-loans/home-equity-line-of-credit.aspx
   08/27/12 No rate info on HELOCs. Rate for 80% LTV (0.25% under prime) and for 90% LTV (0.25% over prime). They do not have a no closing cost HELOC but the closing costs are around $100 (if they do not need an appraisal). Will not do HELOC in Texas.

2.5 https://www.dcu.org/loans/home-equity-plus.html
No annual fees, closing costs or points. Rate is (0.25% under prime)
Minimum monthly payment – Only 1% of outstanding balance. Borrow up to 80%* of your home value minus your first mortgage.
Available in all states with the exception of TX, CT, NC, WI and WV.

3. Secny FCU Indicates promotional rate of 1.99%. No info on term or regular rate.
   01/21/10 Indicates promotional rate of 1.99%. No info on term or regular rate.
   2.99% for first yr. then adjusts to prime minus 0. Can borrow between 10-150k.Confirmed by phone 2/17/10
   80% max LTV, no closing cost, but must keep for 3yrs. minimum, otherwise must pay closing costs.

4. Agriculture FCU Prime minus 0%. No point no fee. However, their underwriting tends to make their own rules as they go on - Beware

5. Pentagon Federal Credit Union - Prime minus 0%. No point no fee. There is a minimum rate floor of 3.75% APR and a maximum rate of 18% APR. You have to pay for an appraisal. Their current rate is 3.75% and their underwriting sucks.

6. NEW - https://www.sandyspringbank.com/ - Intro rate of 2.75 fixed for first 12 months, prime minus 0.50% subject to 3.25% floor after the intro period on lines of credit of $125,000 or higher, up to 85% LTV. All closing costs paid including full appraisal; must be repaid if closed within three years. Very smooth underwriting process and great customer service. Based on terms posted https://www.sandyspringbank.com/media/8096/ssbloanrates.pdf, eligible properties must be in “certain counties in Maryland and Virginia,” so you basically have to be in their market area to qualify. Rate is (0.5% below Prime) and NO closing costs or fees. With a rate of (prime -.50%), a home equity line of credit gives you a credit line from $5,000 to $312,700 when the credit limit does not exceed 80% of the equity in your home. A credit line greater than 80% of your home’s equity is available up to $250,000 at a rate of (prime + 1%). NOTE: They don’t lend to Texas.

7. https://www.deltacommunitycu.com/personal/loans/home-loans/home-equity-line-of-credit.aspx
   08/27/12 No rate info on HELOCs. Rate for 80% LTV (0.25% under prime) and for 90% LTV (0.25% over prime). They do not have a no closing cost HELOC but the closing costs are around $100 (if they do not need an appraisal). Will not do HELOC in Texas.

2.5 https://www.dcu.org/loans/home-equity-plus.html
No annual fees, closing costs or points. Rate is (0.25% under prime)
Minimum monthly payment – Only 1% of outstanding balance. Borrow up to 80%* of your home value minus your first mortgage.
Available in all states with the exception of TX, CT, NC, WI and WV.

3. Secny FCU Indicates promotional rate of 1.99%. No info on term or regular rate.
   01/21/10 Indicates promotional rate of 1.99%. No info on term or regular rate.
   2.99% for first yr. then adjusts to prime minus 0. Can borrow between 10-150k.Confirmed by phone 2/17/10
   80% max LTV, no closing cost, but must keep for 3yrs. minimum, otherwise must pay closing costs.

4. Agriculture FCU Prime minus 0%. No point no fee. However, their underwriting tends to make their own rules as they go on - Beware

5. Pentagon Federal Credit Union - Prime minus 0%. No point no fee. There is a minimum rate floor of 3.75% APR and a maximum rate of 18% APR. You have to pay for an appraisal. Their current rate is 3.75% and their underwriting sucks.

6. NEW - https://www.sandyspringbank.com/ - Intro rate of 2.75 fixed for first 12 months, prime minus 0.50% subject to 3.25% floor after the intro period on lines of credit of $125,000 or higher, up to 85% LTV. All closing costs paid including full appraisal; must be repaid if closed within three years. Very smooth underwriting process and great customer service. Based on terms posted https://www.sandyspringbank.com/media/8096/ssbloanrates.pdf, eligible properties must be in “certain counties in Maryland and Virginia,” so you basically have to be in their market area to qualify.

@mistercheap

So excited to see this new forum!