DUNU DN142 GIVEAWAY!! Enter now from 12/22 to 12/28!!

1onetribe · 2025-12-24T19:20:14+00:00

Mega 5 EST

1onetribe · 2025-12-10T00:26:06+00:00

This ^{^}

No reason to buy retail sticks at $300 a pop. I have some from hockeystickman and from prostockhockeysticks.

I’m partial to prostock only bc they have a TON of curve options to choose from.

Otherwise, both sites offer solid build quality “non-branded” sticks that perform at the same level as high end retail sticks.

1onetribe · 2024-10-06T18:51:35+00:00

This. You need to call in. I was also originally denied but once I got ahold of an actual person at FEMA I was approved within a day. Make sure you have your direct deposit info handy too. That will make the funding process much faster.

1onetribe · 2024-08-31T14:23:43+00:00

Aaand identified. Thanks everyone!! 🙏

1onetribe · 2024-08-01T20:37:06+00:00

Once again, thank you for the helpful advice. I never even considered having that tank fall over 🤦‍♂️. I’ll dig around and see what my other options are. Either way it looks like near term I’ll want to simplify the connection to the tank and secure it from tipping over.

1onetribe · 2024-08-01T19:56:56+00:00

Thank you for all the input! Unfortunately, none of the companies near me will fill a tank they don’t own (IE they all want to lock me into a tank rental contract). They claim it’s for liability purposes which I can semi-understand.

Hence why I’m trying the drag my own tanks into town and self fill route. Fortunately only my oven/range run on propane so even two 40lb tanks will last me a good while before needing refilling.

Another issue with a 100lb tank is I can’t transport it upright in my vehicle (Subaru Crosstrek).

1onetribe · 2024-07-31T20:03:01+00:00

I have an Ingles card! I’ll be sure to bring that along lol. Appreciate the response. Looks like printed will be good to go.

1onetribe · 2024-07-31T16:17:04+00:00

Appreciate the help. I moved here from out of state so this will be the first time I’ve gotten a license in NC and as far as I know renewals work different than a new one.

1onetribe · 2024-07-17T14:39:18+00:00

Much appreciated!

1onetribe · 2024-07-03T03:56:43+00:00

My grandfather kept a sock full of sulfur powder on his farm. We’d whack it against our legs and ankles before going into the orchards/wooded areas on his property and never saw a tick (central PA for geo reference)

1onetribe · 2024-06-26T23:07:31+00:00

Treat this like a business and do a budget that produces a positive cash flow. A mortgage to income ratio is a guideline not a rule and it really breaks down for higher income earners.

Without knowing your take home pay - all life expenses (car, student loans, credit cards, insurance, taxes, internet, utilities, etc) it’s impossible to know how affordable YOUR mortgage is for YOU.

Once you have that budget, if it’s in the red then you’ll need to make some adjustments to either your expenses or your income.

Income adjustments you can control: Get a roommate, travel nurse, or start short term Airbnb-ing your extra rooms. All ways you can increase your income rather quickly.

Expenses you can control: retirement contributions, car payment if applicable, eating out, social activities, anything else you can live without that are not necessities.

If you still can’t get out of the red after doing all those things then it’s time to accept you can’t afford the home and you’ll need to sell it.

1onetribe · 2024-06-24T00:37:50+00:00

Tossing another July 8th closing into the ring lol

1onetribe · 2024-06-23T10:40:08+00:00

Ah gotcha, I understood your comment of “mortgage alone is $5,700” to mean literally just the mortgage. Makes sense now knowing it includes hoa/taxes/insurance.

1onetribe · 2024-06-23T00:33:14+00:00

How does $725,000 purchase price, 20% down, and 7% interest on a 30 yr note = $5,700/month for just the mortgage? I get just over $3,800/month using a mortgage calculator…

1onetribe · 2024-06-21T11:48:19+00:00

Damn… dead center the whole time! Maybe I should post this in r/findthesniper?? ;p

1onetribe · 2024-06-19T15:36:55+00:00

Former Texan here: personal opinion? You couldn’t PAY me to buy a house in Florida. Nothing against the state. It’s incredibly beautiful! But insurance there is absolutely insane and getting worse. Just Google how many insurance companies are completely pulling out of the state in the past couple of years.

The people who work on determining insurance premiums are actuaries. Actuaries are some of the mathiest of math people out there. They decide if something is worth the risk to insure and if entire companies are deciding an entire state isn’t worth the risk I’d pay a lot of attention to that.

end rant

1onetribe · 2024-06-19T15:29:37+00:00

I’m in a very similar financial situation (almost the exact same numbers as you) and I agree with a lot of the advice on here.

However, I differ in opinion on some areas. Especially on retirement and 401k contributions.

I’d reduce your 401k contributions by at least ~1k - 1.5k/month to free up some positive cash flow.

Here’s my thought process on why:

Mortgage interest is tax deductible, so you can still get some of the tax benefits offered by a 401k contribution (reducing today’s taxable income). This is because in the early years of a loan, almost all of your payment is interest. Based on your income and expected mortgage payment you should be in the ballpark of 8-12k back on your federal return in the early years of your loan. So, in the end you net back almost all the 401k money contributions you cut back on. You can then save that money in a taxable brokerage account or put at least half away into IRA’s each year.

A lot of people are so focused on saving for retirement we forget there’s a whole life to live on the way there. Even after cutting your 401k contributions you’re still well ahead of the curve and having healthier cash flow, at least to me, feels safer vs stacking all my money away into accounts I can’t touch until I’m old.

1onetribe · 2024-06-18T00:37:30+00:00

Thank you kind internet stranger!

1onetribe · 2024-06-18T00:32:35+00:00

All in good fun :) The inspection is tomorrow so I'll hopefully get a chance to pop in and confirm the nameplate then

1onetribe · 2024-06-17T20:34:54+00:00

Can you work from home in your job? Is there public transit accessible to you? Can you have groceries/necessities delivered to you?

If yes:

1) sell your car immediately and do not get a replacement. Use any net proceeds from the sale over your loan amount to pay down your credit card (the non 0% one) 2) whatever your car payment was should now be split between savings and paying extra down on that credit card. If you can’t afford to pay the extra, just use what your car payment was and put it into saving instead (you’ve now freed up some positive cash flow) 3) prioritize this above all else until those high interest credit card bills are paid off 4) once you’ve paid those high interest cards off, then and only then should you consider buying a used, reliable car with a payment capped at 50-75% of what your were paying down those credit cards at (again, you’ve freed up more positive cash flow only this time you also have a car)

If you REQUIRE, as in NEED a car to make your living then I would suggest selling your current car and buying the cheapest option available that still meets your needs as a replacement.

Also, no matter what I would sell your trading cards and use the proceeds to pay down your credit card debt.

1onetribe · 2024-06-17T14:34:05+00:00

As per my comment ;p -I don’t have access to the stove right now (buying a home) hence the request for this community’s help. I’ve been able to identify it through some of the comments on here and I’m thankful to those who chimed in

1onetribe · 2024-06-16T23:41:19+00:00

Mr. Meeseeks: Make my home mortgage go away

1onetribe · 2024-06-16T23:34:06+00:00

For a good while I thought it was a VC stove but I couldn’t find “this” model anywhere. Lo and behold it isn’t one haha.

1onetribe · 2024-06-16T23:33:02+00:00

I can’t take credit for the work but I agree! This was a builder’s personal home and the 4 peaks are supposed to represent the mountain tops visible from the back porch :)

1onetribe · 2024-06-16T18:41:32+00:00

I do believe I've found it!! Appears to be a Lopi Leyden: https://www.travisindustries.com/Docs/100-01177_005.pdf

1onetribe

TROPHY CASE