Recent content by nickf2005

  1. nickf2005

    New wallet recommendations

    I've got a knock-off and love it as well. Doubt I ever go back to another front-pocket design. I wont even consider back-pocket wallets after switching a few years back. Sent from my SM-G975U using the svtperformance.com mobile app
  2. nickf2005

    Fresh sub forum for the Mach-E?

    I know this a joke, and many here will take this car (and sub-forum) as the same. However, I really see a market for this and think Ford will do well with it. Flame away. [emoji6] Sent from my SM-G975U using the svtperformance.com mobile app
  3. nickf2005

    WTB - Looking for 2012 Stock Mufflers

    I may be wrong, but I'm not so sure those are 2012 GT500 stock tips. Mine are a polished stainless type finish with a sharper edge. This looks to be chrome with rounded edge? Sent from my SM-G975U using the svtperformance.com mobile app
  4. nickf2005

    Took my Ecoboost to Buttonwillow racetrack

    That's maintaining some serious speed over 3 miles. I've been in an airplane before... probably close? ;) That's exactly what I thought. Sent from my SM-G975U using the svtperformance.com mobile app
  5. nickf2005

    Took my Ecoboost to Buttonwillow racetrack

    I can't believe they didn't put a V8 in it... *sarcasm* Ben, whats the average speed on a full lap? Sent from my SM-G975U using the svtperformance.com mobile app
  6. nickf2005

    Miami ?

    We went a few years back and stayed at the Holiday Inn Mid-Beach. Traffic sucked and everything was expensive. Food was good though. We Ubered to 2 Marlins' games (my Reds were in town and they had awesome stadium food) and a Hurricanes' game (blazing hot) Saturday. Good experience but doubt...
  7. nickf2005

    Paying off debt

    That's fine. I literally said that I'm not going to shame or guilt somebody for having a CC if it works for them. Especially in favor like in your case. It's a fact that a lot of Americans can't manage them effectively. The total CC debt is near $1T, averaging $8k per household. I'm...
  8. nickf2005

    Paying off debt

    I wouldn't shame a Credit Card (like you said, maybe the user that goes neck deep in debt with them). I just share the opinion of a few others that CC's are not necessary. Credit score is literally the reflection of how well you work/pay lenders. The more lenders, the more payment, the...
  9. nickf2005

    To wing, or not to wing.

    Let me preface this with the fact that I'd never spend 70k+ plus on a Mustang, maybe any car... ever. Forever and never is a long time, so that's why I'm careful with my words. That all said, I think it'd be very narrow minded to call somebody with the means to buy this car, at that cost, a...
  10. nickf2005

    Refinancing - Points vs No Points

    I know.... the guy who has the white shelves has been in it for a while. Those are just his unopened bottles. He treated us to a tasting two weekends ago... That Blanton's Straight From the Barrel was killer. The OF SiB was quite the surprise as well. Sorry, as I didn't mean to hijack your...
  11. nickf2005

    Refinancing - Points vs No Points

    Had my first a few weeks ago on the trail... was the best tasting drink I've ever had. I have two buddies who have gotten me into the scene the last year. The shelves belong to one... bar another. I think there is a bourbon thread floating around, but maybe it's time for a new one. Sent...
  12. nickf2005

    Refinancing - Points vs No Points

    Congrats. Im going to buy myself an incredible bottle of bourbon when we finish ours. Maybe even a Pappy... Sent from my SM-G975U using the svtperformance.com mobile app
  13. nickf2005

    Refinancing - Points vs No Points

    I'm far from an expert, but the points are just bought with more money up front to get you a lower rate. My understanding is that as lomg as you're going to be in the house (aka mortgage) for a majority of the term, then it's a simple calculation. $X to save additional Y percent. Y percent of...
  14. nickf2005

    Refinancing - Points vs No Points

    We found value in paying for points to get a better rate. We have a 2.25% on a 15 year mortgage. Even with closing costs, it made sense to refi October '19 (3.75% 30 year from 2015 build to 2.75% 15 year) and again May '20 (2.75 to 2.25). The last refi amount was for $325,000 (roughly 52%...
  15. nickf2005

    Any Believers in the Biblical Rapture? End times

    I was raised Catholic. I learned the hot takes of Christianity, but Catholicism is more about teachings of the church, than Jesus himself. 7 sacraments, traditions, etc. There is so much "omitted" in the church. My wife grew up in a strong Christian household and we have attended a few...

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