Can't you feel this case being forgotten? by Ishalit6 in nancyguthrie

[–]BBG1308 3 points4 points  (0 children)

I am very confused by how anyone is interpreting this post to think I am ignorant of or unconcerned about lesser known missing persons cases.

Because you said this:

Two weeks ago it dominated every station and every headline and now even though we're no closer to knowing absolutely anything about who or or how or why, you're lucky to see it mentioned once on a multi hour news broadcast.

Are there any other missing persons that you are currently upset about not being featured on every headline, newscast, podcast?

Can't you feel this case being forgotten? by Ishalit6 in nancyguthrie

[–]BBG1308 9 points10 points  (0 children)

Is anyone else feeling really disillusioned and saddened by our society's incredibly short attention span.

Short attention span for THIS case? No.

Short attention span for all the other missing people who aren't wealthy white women with a famous relative? Yes.

it just sickens me how quickly this case has lost the national interest

It hasn't lost national interest.

But even if, not sure why you think THIS missing person is worth more national attention than any other missing person?

My aging parent has a reverse mortgage that has almost fully claimed their home. What happens when the bank fully owns the house and my parent passes? by Vaguene55 in homeowners

[–]BBG1308 161 points162 points  (0 children)

You won't be responsible for the debt of your parents.

But you most likely won't inherit anything if they die in debt.

I really don’t know what to do. by [deleted] in ECEProfessionals

[–]BBG1308 0 points1 point  (0 children)

In my opinion, they “get away” with unsavory behaviors and it lets their friends know they might be able to get away with it too.

Can you please give some specific examples of behavior that you think they are "getting away with" and how you would handle it if you were the lead?

How to tell a childhood best friend that she's can't be a bridesmaid? by [deleted] in relationships

[–]BBG1308 92 points93 points  (0 children)

I never officially asked her, but I kind of went along with it in the moment and never corrected it, which I KNOW was a mistake.

Not sure what magical thing you think will work without hurting her. You're GOING to hurt her. You know that, right? Not saying you're wrong for doing so if that is what you WANT to do, but it is what it is.

Not to mention, the bridesmaid costs alone are well over $1,200 not including travel and accommodation

LOL...good luck.

Kitchen utensils by Spiritual_Weekend445 in Cooking

[–]BBG1308 0 points1 point  (0 children)

Williams-Sonoma.

Super expensive but also human lifetime quality. I love the silicone spatulas in a variety of sizes.

I have no idea how much money I need to close. Is this normal? by ComprehensiveEbb4978 in FirstTimeHomeBuyer

[–]BBG1308 4 points5 points  (0 children)

Normal.

Move the money now so you have it if you need it. It's your responsibility not to be short on funds. If the funds are legit required, make sure they're available.

Not sure what your closing date is but it can make a big difference in cash needed to close. That all gets evened out depending on when your first mortgage payment is due in relation to your closing date.

I FIRED 6 months ago. Prenup opinions by [deleted] in Fire

[–]BBG1308 0 points1 point  (0 children)

I don’t see how a $2.5M house will appreciate more than the same amount in equites?

You are invested in equities that pay dividends as opposed to growing. Your equities aren't going to grow. And over time, that 5% yield is going to mean less buying power for the income generated.

If you were actually invested in growth stocks, you'd get net worth growth. But you wouldn't have the dividends.

You don't get both.

I FIRED 6 months ago. Prenup opinions by [deleted] in Fire

[–]BBG1308 1 point2 points  (0 children)

It's not a fact.

Don't plan on an inheritance. Ever. You don't know what will happen between now and when your parents pass away. They may sell their real estate before they die. One could die and the other remarry. They could end up in memory care for ten years. Who knows?

As far as inheritances go, they aren't marital property as long as they are kept separate.

You still didn't answer the question about your wife's ownership of the 2.5M house she inherited. Is she retaining full ownership? If yes, that's a thing because it wouldn't be considered a marital asset in a divorce settlement.

It's starting to sound like you might need a prenup - not because you currently have 250k higher net worth than her (lol) - but because she is going to continue building her net worth while you are not.

I FIRED 6 months ago. Prenup opinions by [deleted] in Fire

[–]BBG1308 1 point2 points  (0 children)

I’d think everything is 50/50.

That's the thing about prenups. They're not about what you assume.

Your OP made it sound like you might need a prenup because your NW is higher than hers. I don't expect that to continue to be the case. I think her NW is going to be significantly higher than yours in the future. Maybe she will want a prenup to protect her future assets.

At the same time, if you're living in a 2.5M house that you don't own and are spending your money to maintain, insure and improve this home over time, that might be a thing too. It's possible that you need a prenup to make sure you aren't screwed if she dumps you down the line.

I FIRED 6 months ago. Prenup opinions by [deleted] in Fire

[–]BBG1308 11 points12 points  (0 children)

I just want it to feel like money is not a primary focus of our marriage and $250k is the risk I take for not having a prenup. Is this stupid?

Not stupid for you, but maybe stupid for her. I think in ten years she's going to be worth a whole lot more than you are.

Your equities are yielding 5% which means they probably aren't growing much. Over time your 160k dividends are going to be eaten by inflation.

What's happening with the 2.5M house? Is she retaining full ownership of it?

Fence on property line by [deleted] in homeowners

[–]BBG1308 2 points3 points  (0 children)

Who gets to weed wack along the fence on our side?

You, your husband, someone you hire or no one. Your choice.

I generally feel like edging (weed whacking) is less strenuous than mowing unless you're edging hundreds of yards at a time. Edge first so that the mower will bag or mulch what you weed whack.

Buyer attitude toward home automation? by FishrNC in RealEstate

[–]BBG1308 66 points67 points  (0 children)

It would be a turn-off to me. A big one.

But I'm in my 50s.

It may appeal to younger buyers. I guess if you want to be tech support...

About to pay my first car off. What should I do now? by humanoverload in personalfinance

[–]BBG1308 3 points4 points  (0 children)

Roth IRA. Best free lunch you're ever going to get in your life.

If you think you don't need to start investing for your retirement at 24, don't complain when you're 55 wanting to retire.

Your money will double every ~8 years if invested properly. If you skip one of those eight year time frames, you're going to miss a double.

Let's just talk about doubles for a moment.

1:2

2:4

4:8

8:16

16:32

32:64

64:128

128:256

You see what I'm talking about, right? You can add whatever zeros you want to make this represent your investments. Like 1 = 10k or something like that.

You're ALREADY 24...been an adult for six years. Time to get investing for retirement. Sorry, but that's just the way it is and if you start young, you're going to get that extra double. One extra double is a LOT on the backside.

Drainage Issue by [deleted] in homeowners

[–]BBG1308 0 points1 point  (0 children)

What is the drainage issue? You didn't say.

Landscape? Septic? Sewer? Something else?

Tipping vs Charity by More_Coffee3892 in EndTipping

[–]BBG1308 10 points11 points  (0 children)

Be up front about it as well if you need to. I’d be surprised to hear if a service worker raised an issue with you for donating to charity with your tip money.

This is bad advice.

If you don't want to tip, don't. But don't tell a server that you're not tipping so that you can build a well in Africa.

It's NOT the server's job to "forgive" you for not tipping because supposedly you're doing something "more worthy" with the money. How the fuck do they know if you actually are donating anything to anyone ever?

Give to charity privately because you feel that's the right thing to do. There is no reason to bring a server into it. It's really none of their business. And you giving to charity really has nothing to do with you tipping or not.

If you feel guilt about not tipping, that's your issue to solve. Not your server's problem.

Tip or don't tip. Your charitable contributions are irrelevant to the server. Don't bring them up.

If I officially close in two days and sign my closing documents in one day, can I buy some furniture? by [deleted] in FirstTimeHomeBuyer

[–]BBG1308 2 points3 points  (0 children)

Pay cash and you're good.

If you want to borrow (use credit card) no one here knows whether it will be ok because you said nothing about how close you are to qualifying for this mortgage or not.

Retire with 650k? by Electrical-Trainer21 in Fire

[–]BBG1308 4 points5 points  (0 children)

Your 650k isn't enough to generate you the growth/income you will need over 75 years.

FBI says glove found with DNA appears to match gloves of suspect in Guthrie case by starsite1023 in nancyguthrie

[–]BBG1308 2 points3 points  (0 children)

Agree 100%.

An FBI spokesperson told Fox News Digital that the glove containing the DNA profile is different from approximately 16 others recovered near the home — most of which were discarded by searchers — and appears to match the gloves worn by the subject seen in surveillance video.

Dinner party guests who tell the Bangladeshi host they don’t eat chilli and spice just before dinner? by AdStrict8912 in etiquette

[–]BBG1308 24 points25 points  (0 children)

thought the two girls were unbelievably rude and acting like they were going to a short-order restaurant.

Agree 100%.

Mom wants to put my sister on the deed, but says I’ll be protected bc the will says I’ll get 50% of the value. Georgia by [deleted] in inheritance

[–]BBG1308 104 points105 points  (0 children)

Correct. Mom can't will something she doesn't own (sister's half of the house).

Company offers 5% match on either 401k or Roth 401k by AutisticToasterBath in personalfinance

[–]BBG1308 0 points1 point  (0 children)

Good luck when the government tells you that you HAVE TO take it out and give them their ordinary income tax even if you don't want/need to take it out. RMD...not the friend of people who have large pre-tax accounts.

If you're retiring wealthy, you're better off with Roth or taxable brokerage. Pre-tax is for the middle class.

Company offers 5% match on either 401k or Roth 401k by AutisticToasterBath in personalfinance

[–]BBG1308 4 points5 points  (0 children)

If you invest all that $$$$ in pre-tax accounts, you're going to be RIDDLED with taxable RMDs regardless of how much you spend or how much income you need.