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Does this apply to a purchase loan too? No closing costs, no points - 3.375%? 75% LTV, 770 FICO. Single Family Attached.

Yup, FIRE baby! I'm willing to bet that most of those "winners" you're talking about might be spending too much and not saving enough. It's not like those C-level executives or other big wage earners don't get paid enough... for example, executive management compensation has really exploded in...

You both nailed it... this ivory tower professor is definitely all about "do as I say, not as I do". That sort of mentality does sound terrifyingly similar to Mao Zedong's Cultural Revolution where capitalistic competition & meritocracy were condemned, and everyone was forced by the government...

I find that HKFP is very good, they all write in English and they're a nonprofit group of independent journalists who aren't regime mouthpieces. https://www.hongkongfp.com/ Here's a great quote during their interview of artist Ai Weiwei: "This is why I believe the Hong Kong demonstrations...

Originally from HK here, my own family has had really bad experiences (to put it lightly) with the Communist party's human rights record (see bookstore owners, activists, or anybody else daring to exercise their free speech rights being kidnapped, tortured, and harvested for their organs). This...

Currently w/ Nationstar Mr Cooper here. Name changes can be challenging. Feel free to PM me for further discussion. Been lurking but just had to make an account because of your post.  ;D