October 15th, 2013 10:42 AM by Eric Fang
Sometimes, they are; other times, they are not.To some people they are; to others, they are not.
I had one borrower asked me to check the rates forher for about 2-3 months, and she tried to refiwith a higher rate, and I assured her to wait a little bit.And then two weeks ago, I told her that it's the timeto lock 4.5% rate for impound account with her loan amount. And then about 2 hours later, she told methat her previous loan broker provided her the same rate and she wanted to go with the other broker.
It might be the same rate to her, but actually it is not. I let her know that this is the "right"rate to do the refinance. And when the ratewas higher, I asked her to wait. And it provedto be a wise decision. There was knowledge and experience for my rate of 4.5%. I offered a little bit "advice".
It is the same for the other activities. My friendqualified Marathon for her 3:40 run. But if I finishedthe marathon for the same minutes, I could only qualifyif I were 55 years old(or 60 years old). So even we run the same speed, the result might be different.And she is a female and about 50 lbs light; it seems like very easy for her, but difficult for me. I am already satisfied by my achievement.
For my marathon training, there are only 5 long runsleft, my friend recovered from his stomach flu; And my blister from the weekend 18 mile run is a non issue for me. The next thing we wil try to practice how to run in the early cold mornings.