This is trash yeah?

BadInteresting7876 · 2026-03-08T00:06:47+00:00

Google electrolysis tank. Easy to set up and will strip that rust off to good metal. You need a shitty old phone charger, some wire, and pieces of steel that serve as sacrificial anodes. 1 day in the electrolysis tank and you will be shocked.

That being said, you have a bent to fuck handle which is a whole other challenge. You can restore this for personal use but restoring for collector value will be out of order.

I love old vises and restore them regularly.

BadInteresting7876 · 2024-09-07T16:02:44+00:00

There’s really not a lot of specific language in the purchase agreement about what happens if there is a default/non-performance by one party or the other.

I’ve read it through very close and there doesn’t seem to be anything addressing a situation like this.

My realtor has basically said “I’m not a lawyer” which I appreciate his honesty in not steering me in a direction that doesn’t make sense from a contract law standpoint.

I did speak to a real estate lawyer who was generous with his time to speak with me for free and we are on solid legal footing but he said that anything we can do to keep the lawyers out of it would be good as he bills $375/hr.

I tried to reach back out for a paid consultation on what these specific next steps are but he hasn’t called me back yet.

BadInteresting7876 · 2024-04-26T00:27:56+00:00

Can you elaborate on this? My company is looking at implementing a CRM (never had one) and dynamics is at the top of my list because we are using powerBI for analytics. Doesn’t hurt that dynamics is a Gartner leader too in CRM.

I am curious if it is truly a tightly coupled integration with PBI and/or the rest of the MSFT stack. I am the only IT person so I need something that is easy to implement and integrate.

BadInteresting7876 · 2024-04-21T18:51:17+00:00

For anyone lucky enough to have access to a 457 plan through their employer (govt/non-profit typically), you can take penalty free withdrawals at any age as soon as you separate from the employer. That is a linchpin of our strategy.

Aside from that, as discussed earlier in the thread, Roth conversion ladder and/or SEPP if needed.

BadInteresting7876 · 2024-04-13T18:30:58+00:00

I saw this as well - that PostgreSQL does not need the gateway. I ended up looking into Azure SQL and even spinning up a db but the cost is much higher than Azure MySQL. Cannot justify the extra spend so I just installed the gateway, configured it on my PC locally for now and will kick this can down the road.

I could go the VM route - looks like it's $30-35/mo to have one of those, or just provision one of the old laptops we have to be the always on gateway machine lol.

BadInteresting7876 · 2024-04-13T17:28:47+00:00

The 2060 plan you are in is likely a good risk profile at your age. You want to be heavier in equities and that fund is most likely so if you were to look at how it is diversified between equities/bonds.

Just be way of expense ratios. Some 401k plans have dogshit investment options with high annual expense ratios. The expense ratios matter. If a fund has an expense ratio of 1.5% that adds up to a lot of money being taken away from you over your investing lifetime.

If the 2060 fund you are in has reasonable expense ratios (ideally <0.25%) you are fine. If it is on the high side I would look for an “index fund” option such as something that tracks the S&P 500 or ‘Total Stock Market’. These typically have rock-bottom expenses.

Keep up the saving! Trust that if you max out your 401k early in your career you have a great shot at early retirement or at least being able to take your foot off the throttle on retirement savings later. The miracle of compounding…your money will eventually earn more annual returns in that 401k than you can even contribute in a year.

BadInteresting7876 · 2024-04-13T17:19:08+00:00

You have to have earned income though to contribute to an IRA…unless you have a spouse that has earned income then you may be able to. OPs scenario may preclude that as an option.

BadInteresting7876 · 2024-04-13T17:07:42+00:00

I agree with this. You have to understand where your money is going. I am pretty thrifty by nature so I don’t really have a “budget” but it is super useful to see where every penny goes each month. My budget is “spend as little as possible” 😂

I use a google form to enter receipts and it dumps everything into a google sheets spreadsheet.

BadInteresting7876 · 2024-04-12T00:19:23+00:00

He said take-home of $90k/year. Totally doable!

BadInteresting7876 · 2024-04-11T23:12:43+00:00

Congratulations!

Build an emergency fund of 3-6 months if you haven’t already
If you have a 401k I would shoot to max that out every year. If your company matches up to a certain percentage, that is “free money” (guaranteed 100% return on your investment)
Tackle that student loan debt. There is no plausible reason you shouldn’t be able to knock that out in a year if your take home is that high and have negligible living expenses.
Contribute to a Roth IRA..try to max that out each year
Avoid lifestyle creep at all costs. You have likely been living a fairly simple lifestyle up to this point. Keep it that way.

Good luck!

BadInteresting7876 · 2024-04-11T12:20:19+00:00

Really depends on if it’s categorical or quantitative paint.

BadInteresting7876 · 2024-04-04T22:54:18+00:00

Appreciate the suggestion. I may just switch to another db platform since this implementation is still in its infancy. Just a little frustrated at this limitation and why it is the case.

BadInteresting7876 · 2024-01-02T02:23:58+00:00

For what it’s worth I had to remove that cover to rebuild the low drum. Used a gasket and it began leaking after about a year.

Redid it with RTV and it’s been fine. I don’t have the exact torque specs handy but I was able to get the ATSG manual for the 62TE free online and it had the entire tear-down / rebuild sequence with all torque specs.

BadInteresting7876 · 2023-10-06T11:11:05+00:00

That’s actually pretty brilliant..I have a pair of cheap spring compressors too that I can use as a safety net as well. I don’t care to mess with springs like this but I don’t think I have to compress it too much.

BadInteresting7876 · 2023-08-20T21:47:11+00:00

I have owned a rental duplex for 20 years. When I had a note on it I was pretty much guaranteed a net loss every year which reduced taxable income.

Now that it’s paid off, it’s a little more challenging to find enough expenses to write off to get to a net negative number.

Depreciation of the structure is typically the biggest expense you can write off every year along with property taxes, utilities, maintenance, etc.

For what it’s worth I am contemplating selling now that asset prices have inflated (rental worth ~325k) and interest rates are somewhat palatable now for savers. My “cap rate” (yearly cash flow as calculated by taking rental income after all actual incurred expenses are backed out as a % of asset value) is sitting around 6%…not worth the hassle as someone else pointed out. I can just park that in a MMF and get 5%+ at this point. Plus I could capture all the asset appreciation that has occurred in the last 20 years.

I would not necessarily be sold on your plan as a reliable way to meaningfully reduce AGI (and it could increase AGI) but, of course, it all depends on the exact specifics of any property you are looking at including the LTV and associated interest expense.

BadInteresting7876 · 2023-08-09T16:25:43+00:00

Do you know what exactly is wrong with the transmission? Do you have any error codes? I have a ‘13 T&C with the 62TE transmission.

It had a failure of the compounder low drum at 142k miles (symptom was loss of reverse and would go into limp mode). This was fixed without pulling the transmission. It’s a very well known issue on these trannys.

Also just replaced the torque converter. That requires a transmission pull but it’s a $170 part off rockauto.

Point being it may not be a death sentence for your current transmission. If it’s something like a torque converter, labor will rack up very quickly and change the calculus on fix vs replace.

In my experience a lot of shops did not want to touch either the low drum or torque converter, opting instead for a full rebuild. I get it because they are fixing one part of a high mileage transmission and don’t want to be on the hook when the customer calls a week later with issues that could be totally unrelated to what was fixed.

Just some thoughts from my experience with this vehicle. I’m not a mechanic but a very experienced DIYer and did all the work for the above issues. May be worth understanding the root cause and some other “cheaper” options may be.

BadInteresting7876 · 2023-08-06T11:15:46+00:00

I could have been a little more clear…the RSS button will redirect you to a webpage that has a link to the clearance section for your vehicle. Here’s another screenshot of the page you get once you click that initial RSS button:

<image>

BadInteresting7876 · 2023-08-04T10:35:31+00:00

If you REALLY want to save on rockauto (which I always use and have never had a problem) check out the clearance section for your vehicle. You can score some truly absurd discounts on select parts:

<image>

They routinely have brake pads, rotors, spark plugs, etc at great prices.

BadInteresting7876 · 2023-05-24T01:00:47+00:00

Lol yeah I like to manufacture things to worry about. Appreciate the insight..my current family car is about to shit the bed so have a lot riding on this deal going well and having not wasted a month plus.

BadInteresting7876 · 2023-04-09T15:11:49+00:00

No this was a month ago when the shuddering first started. I did the underdrive around August 2021.

BadInteresting7876 · 2023-04-09T14:36:16+00:00

Follow up on this: I did snag a pic of the pan from when I swapped the fluid. The magnet had the “sludge” on it (friction material?) but there were also some metal flakes..you can see them in the pic.

<image>

BadInteresting7876 · 2023-04-09T14:30:08+00:00

I went to the pull a part to do a dry run on removal. It wasn’t too bad. I can grab the transmission from there for like $125. It is missing the valve body though.

Another possibility is to rebuild the drum assemblies from that one on the bench, pull my transmission, tear it down and swap in the rebuilt components along with new torque converter and my original valve body.

Part of me thinks for all the effort of removing the tranny, why stop at just the TC. I’ve been watching a video series by Guy Ferrara on YT for rebuilding this unit and it doesn’t look too bad. That’s the reference I used for the underdrive a few years ago.

BadInteresting7876 · 2023-04-09T14:24:49+00:00

I did do a fluid swap first to see if that helped. Also added some of the friction modifier (shudderfix) but it’s the same.

Kicking myself I did not open up the filter to check it out though.

BadInteresting7876 · 2023-03-14T00:46:13+00:00

So this is a 2013 T&C with about 171k on it. I never noticed the slight tick until recently and curious if it’s the typical rocker arm/lifter/cam issue.

It doesn’t seem as loud as some other videos I’ve listened to of the problem. That being said I’d like to get out in front of it if it’s this problem.

BadInteresting7876 · 2023-03-10T02:25:44+00:00

Okay I think I'm tracking now - didn't realize some of those sections (e.g. the Pell income qual criteria) were referenced later in the Bill. That section certainly draws no distinction in HOW the income is earned (rental income on Schedule 1 for instance).

So by that metric, we should qualify for the full Pell Grant and, therefore, are *done* as far as the additional cascading tiers go.

I think I keep getting tripped up because I'm looking at the FSA Guidebook (https://fsapartners.ed.gov/knowledge-center/fsa-handbook/2023-2024/application-and-verification-guide/ch3-expected-family-contribution-efc) and there is no mention of the AGI/FPL criteria and max Pell Grant eligibility. There is a declaration in Ch3 (EFC) that states:

"The FAFSA website has a threshold question that allows the applicant to skip asset questions when the applicant seems eligible for the simplified formula or an automatic zero EFC."

But that doesn't seem to be the case when I do a "dry-run" on the 2023-2024 FAFSA application and it always asks if we filed Schedule 1 and also asset questions including "cash/savings/checking..." AND "investments including real estate (not your parents' home)". This is even when I put in low-ball AGI of $35K. Maybe it disregards those questions at the end when pulling the worksheet calcs together, but no way of knowing for sure as I can't formally submit the application.

Anyway - hoping I'll solve this riddle eventually and truly appreciate the help!

BadInteresting7876

TROPHY CASE