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- Private work.
- Back in the city.
- To find the smallest common element across many iterables (this is O(mn)):
min(reduce(and_, map(set, myLists)))
- New cashmere tops and bottoms are excellent.
- Housing.
- Money moves. Liquidated a few portfolio segments. Details in gdrive.
- Points are usually paid (baseline) as origination fees. This is a percent of the loan amount, and varies based on credit/dti/etc just like rate.
- You can buy extra points to buy down the rate. But you don’t do this when rates are high. Just save the money and refi soon.
- Remember prequal is just “can buy this much” – it’s earlier. Preapproval is fuller, later.
- Jumbo loans trigger at 1M+, which actually reduce the interest rate.
- Lender meetings.
- Remember having a credit mix improves your score. 3 types: mortgage, revolving, installment. If you add one of those, you’ll actually increase your credit score by adding debt (counterintuitive, like almost all aspects of this obsolete algorithm).
