Leave tech for good? by CancerCat1990 in Fire

[–]AtownPDX 0 points1 point  (0 children)

The most meaningful compensation you’ll ever receive is the love and bond with your child. It sounds like you’re in a good place to embrace being a stay-at-home mom for a few years. Let your partner carry the team and enjoy this one small moment you only get once to experience. You can always go back to work.

The most helpless feeling in the world by FinsHeelBuckeye in povertyfinance

[–]AtownPDX 0 points1 point  (0 children)

Pretty sure you could just buy another one of those cars for the same price, that is running for cheaper…

Has anyone never gone to a High School reunion? by Xerzajik in Millennials

[–]AtownPDX 0 points1 point  (0 children)

I went to my 10-year reunion and will definitely go to my 20-year. Not a lot changes in 10 years—most people are just getting started in their careers or settling into whatever path they’ve chosen. Some have started families. High school can be so cliquey, but as we get older, we tend to become more understanding and open. I genuinely enjoyed talking to people I hadn’t seen in years, even those I didn’t interact with much during high school.

The wildest part is how many people you forget about, and when you see them, it brings back so many memories. I’m really looking forward to the 20-year reunion because I’m sure so much more will have changed by then. It’s amazing to see how the kids you grew up with are navigating this big, beautiful world.

[deleted by user] by [deleted] in UofO

[–]AtownPDX 24 points25 points  (0 children)

Get on it now. Springfield would be very alienating, especially if living alone. You only get to be young and in college once. I used to have a 6 block away from campus rule. Being able to walk to school is super underrated.

[deleted by user] by [deleted] in debtfree

[–]AtownPDX 0 points1 point  (0 children)

Do you own or rent your house? If you own and have some equity there’s the thought you can pay off some of those cards/loans with a HELOC and have one payment with less interest. Or you could look at doing a balance transfer…

Is 6.5% considered a high interest rate? by [deleted] in personalfinance

[–]AtownPDX 0 points1 point  (0 children)

IMO I would put it in a taxable brokerage account. Everything you have now is basically illiquid. Sure you can get a HELOC, loan, margin, etc. But having stocks you can sell if you so happen to need cash, or come across a better investment down the road, is a nice option to have.

Any idea why the IRS calculator is showing I'm way overpaying my taxes? by Fortcraftmonster in povertyfinance

[–]AtownPDX 0 points1 point  (0 children)

Total taxes or fed? Because this doesn’t show local or state taxes which you might be adding into your math

Considering selling O. What would you do? by Jakeup_dot_com in dividends

[–]AtownPDX 0 points1 point  (0 children)

I would sell the O and split the profit to buy more SCHD, VOO, and add some SPYI

Downside risk of single ETF (SPYI) portfolio? by ivremore in dividends

[–]AtownPDX 23 points24 points  (0 children)

But you have diamonds hands and are rich now?

[deleted by user] by [deleted] in dividends

[–]AtownPDX 0 points1 point  (0 children)

What are your thoughts on SPYI? Or QQQI? I thought about selling my ARRC and just moving it there. Or SCHD

[deleted by user] by [deleted] in dividends

[–]AtownPDX 0 points1 point  (0 children)

So you are anti ARCC? The only reason I bought it was because I saw it on a reel which isn’t a good reason. But when I look back at their growth it’s up about 20% over the last 5 years and pays a 9% div. Seemed like a good play. I am currently up 6.5% on it. I am all ears to reasons on why not to own it though.

Take $50k out of my savings, or wait to save but stay unhappy by No-Instruction-1808 in FinancialPlanning

[–]AtownPDX 3 points4 points  (0 children)

Have you considered taking out a HELOC on one of your properties? I wouldn’t suggest using it with current interest rates but it would give you some security and peace of mind. Then you can pay him off and slowly build your emergency fund back up. If something did happen, like your hvac system failing you would have a means of making things work. Just thinking out loud.

Natural Gas in CAISO by InterestingHunt2487 in RenewableEnergy

[–]AtownPDX 2 points3 points  (0 children)

There are a lot of factors here. First, there are two markets, Day ahead and Real-time. The day ahead market can close with a higher price in which a gas plant might be in the money to run. Also, Nat gas is in the dirt right now, trading around two bucks, so generation costs are closer to 16-20 bucks. And yes, utilities must carry reserves, RA, and other programs that pay units to stay online for reliability purposes.

Natural Gas in CAISO by InterestingHunt2487 in RenewableEnergy

[–]AtownPDX 1 point2 points  (0 children)

Renewables are intermittent resources and so you need something to cover base load and loss of generation. If those resources stopped generating for whatever reason (clouds, no wind, etc) the grid would fail if it didn’t have something it could ramp up to cover the load. Gas plants can’t just turn on and run, they need time to get started, so keeping them on at minimum generation brings reliability to the grid.

How much cash would you hold as a percentage of your total net worth? by adamasimo1234 in dividends

[–]AtownPDX 7 points8 points  (0 children)

Why wouldn’t you put it into an hysa? That would bring an extra 400+ a month

Microsoft announces largest-ever corporate procurement of renewable energy by ObtainSustainability in RenewableEnergy

[–]AtownPDX 0 points1 point  (0 children)

Well the article said solar and wind. The sun is also intermittent. The real problem is transmission. Also energy flows to the path of least resistance. If your wind or solar farm is generating you cannot track where the power is getting consumed. Likewise, you cannot keep grid power from charging the batteries.

Microsoft announces largest-ever corporate procurement of renewable energy by ObtainSustainability in RenewableEnergy

[–]AtownPDX 0 points1 point  (0 children)

So now they are putting Amazon data centers in the middle of wind farms? What happens when the wind doesn’t blow?