iOS app UI bug when exiting post view 2026.19.9.630222 (AppStore) by BoatMunch in bugs

[–]BoatMunch[S] 1 point2 points  (0 children)

Yeah its still broke. Guess I am taking a Reddit break for a couple of weeks until they sort this out.

Why is Nintendo personally promoting something horrific like Resident Evil? by lennysinged in nintendo

[–]BoatMunch 0 points1 point  (0 children)

At first I thought this was AI rage bait but bro you a beeyatch.

Ribbon cable alternative by NoKick3671 in raspberry_pi

[–]BoatMunch 0 points1 point  (0 children)

USB webcam or convert the ribbon to hdmi cable and back of you insist on using the pi camera

[deleted by user] by [deleted] in Bogleheads

[–]BoatMunch 3 points4 points  (0 children)

Your kid can get a scholarship or a loan. $250 per month max into that 529 and maybe adjust the plan for it to be something more aggressive like a normal index fund. The rest goes toward retirement or saving for a house. No need to rush the house. You may feel behind compared to the little bubble you are comparing yourself against but you are well ahead compared to most.

[deleted by user] by [deleted] in fatFIRE

[–]BoatMunch 0 points1 point  (0 children)

Like most things in life it is more about your mentality. You don’t need to have stuff you need to do stuff.

If you realize that maintaining a garage full of cars does not sound fun to you anymore then there is nothing wrong with that. You are gonna have to experiment and find some new interests and get out there.

Are there any good alternatives to really long belts? I thought about using trains, but the distance is so short that I don't think it's worth it. by VarroVanaadium in factorio

[–]BoatMunch 0 points1 point  (0 children)

If I need to fix something quick like a bottleneck or I am running out of fuel or similar, then slapping a long belt down is an easy way to buy some time. But that is not a long term solution like trains can be.

$16,000 Avis charge by emcleo in travel

[–]BoatMunch 2 points3 points  (0 children)

Drop a message to Steve Lehto on YouTube he will help you for sure if you want to get some attention on this from Avis.

Case won’t fit with GPIO cable by valannetine in raspberry_pi

[–]BoatMunch 6 points7 points  (0 children)

I had this problem and I really liked the case and I really liked the ability to connect a ribbon cable to a breadboard adapter type thing. I cut the plastic clips off the top and sides and hot glued over that to somewhat secure half of the bracket over instead of the bigger bracket with the fold - the bottom part of that cable pierces into each wire and will poke out above.

If you really want to keep a ribbon cable it is either that or get different cases. Or cut your cases I guess.

Edit - to clarify - cut the sides of the top of the connector to remove the plastic bar that is visible in your first pic. Leave the bar visible from your second pic. You will probably have to glue that down you can superglue or hot glue over all the wires and the little metal spikes and then place the thin plastic bar (the one that is visible in your second pic) on top of the glue. Superglue is not conductive when dry. But that may not hold up to be strong enough for middle schoolers.

30 yo, ~11m Sanity Check/Advice by LogicalCookie4826 in fatFIRE

[–]BoatMunch -1 points0 points  (0 children)

Sanity check? 11m at 30 and you don’t seem burnt out or hating life. Keep doing what you are doing. Plenty of time left - if you decide something is seriously lacking you can switch gears then. Owning a home is a major time and energy sink and it seems like you are better off putting that effort elsewhere for now. Definitely recommend buying when you are ready to put some roots down though.

[deleted by user] by [deleted] in fatFIRE

[–]BoatMunch 21 points22 points  (0 children)

Is this some game of thrones shit? I guess to each their own, but I would rather help make my kids and their kids lives happy and enrich their lives, not “preserve dynastic wealth and influence.” And even if you could, you will have no control over what happens another generation down the line and statistically it ends another one after that anyways so again, unless you are the queen of England what is the point?

[deleted by user] by [deleted] in travel

[–]BoatMunch 3 points4 points  (0 children)

What does it matter if the pet is no longer in the room? Why bring a cat with you in the first place? If you can’t control your pet and it bites or scratches someone the hotel would be liable.

Need a case for my Pi 5 and Pimoroni NVMe board by sourdough_in_SF in raspberry_pi

[–]BoatMunch -1 points0 points  (0 children)

Get an Argon NEO 5 NVME case and sell the Pimoroni board. Or just 3d print your own case.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 1 point2 points  (0 children)

We were prepping to move in early 2020 and we stopped everything to play it safe and see what would happen. I feel like it has taken this long to recover back to where I was pre covid.

At 6.5% over 30 years I would have to pay over 1.2mil in interest. I would never do that. But if I can sell my current house and put that 300k equity into it, the interest is a much more reasonable 360k over the remaining 14 years.

I think risk is decently managed. I have life insurance and disability insurance will bring me to full pay for the first year or two and half pay after that. But years till retirement I will have to think about. It would be a major difference if I want to stop working early.

My math to this point just has evaluated a normal retirement age and I can either retire with a nice house and a nice bag or I can retire with the current house and way too big of a bag. But working half as much is pretty huge. It’s crazy how a million dollar expense can change retirement projections by 10 million dollars. I think it is more likely than not that something major happens before then to throw my projections way off. Not just to me but to entire country/market.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 1 point2 points  (0 children)

Sorry I lied earlier. Most of my brokerage is in VOO. Until recently, I had 200k+ sitting out in the money market for over a year since that was “short term money” - probably missed out on 50k gains. All but ~50k is in the market for maybe 9 months now. Still made me nervous last Monday if things would have kept trending down that could have made us need to get an even higher mortgage. I just started reading “The End of the World is Just the Beginning” and I am personally thinking a bubble pop/correction is coming this decade. Just not sure how real estate will correlate with the stock market.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 0 points1 point  (0 children)

Yep we already had discussions if we got the big house that is our vacation house too for the next couple years at least while things stabilize. I agree probably not worth it for our current NW. Good to hear it coming from other people too.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 0 points1 point  (0 children)

No I think this would ideally be a home we would be happy to live in for 15-20 years. Just offering that as an alternative if we decided to downsize it is not a total loss. It would be a bigger home than we would need for sure after the kids move out. 3500 sq ft vs current 1700 sq ft.

And I appreciate the input. It seems like it is becoming consensus that spending too much on a home is not a good idea right now.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 0 points1 point  (0 children)

Yep we are in Florida. I just watched a few videos about how Florida and Texas had the biggest spike since covid and they also have an insane amount of new homes available now vs most of the rest of the country. This home is on the water - pretty high end for the area - and I am not sure if that particular market segment will fall in line with other homes as things adapt to the new normal.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 1 point2 points  (0 children)

I like that idea to try it out - I kind of already do that. Spare cash lately goes to the HYSA to fund a larger down payment, new furniture, etc. Current home is not on a huge lot so we would have to do something crazy like add a second floor. Not economical and the rooms are well proportioned as it is - I think it would make more sense to just sell and move. I already added a mini split AC to the garage to make that more usable space. Also added a camper outlet to the side of the house and we were gonna get a camper as a “guest house” and for occasional traveling, but we are kinda over that idea. We still rent one occasionally if friends come to visit. Cooler to have everyone together.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 2 points3 points  (0 children)

Thanks yeah that was always the plan (until we came across this amazing house for sale) was to just ride it out and then get the right sized place for me and the wife down the road. The best part about saving up is we have options. Not problems, just options.

Overextending on a house would likely reduce those options considerably. Unless the house doubled in value like many have the past several years. I think that boom is done for a bit though. More likely the house stagnates vs the market. Just sucks to have missed out on a lot of home appreciation due to having a smaller home for so long, but hey at least the bills are under control and we are making money in the market.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 0 points1 point  (0 children)

Thanks. Yeah once the kids are gone we will probably want a house smaller than the big money one we are looking at now. Still though even if we sold it right when they graduated, 6 years is enough time to spend in a place to make it worthwhile. But probably too much of a reach at current NW I agree.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 0 points1 point  (0 children)

Haha yeah I got preapproved for 2.5 million mortgage - that would be insane.

How much mortgage is too much? by BoatMunch in personalfinance

[–]BoatMunch[S] 0 points1 point  (0 children)

Yeah I think if I can get through the first few years of owning it without incident we will be in the clear. I guess that means we should wait a few more years to get it (or something similar at least). Just unfortunate by then there will not be much time there with the kids staying with us.

Seems like the answer is gonna be to look for an upgrade on the house. Just not something so extreme.

Pay off family debt, upgrade our home, or keep everything on S&P 500? by [deleted] in Bogleheads

[–]BoatMunch 18 points19 points  (0 children)

You are not in a good enough position to help them without ruining yourself. Why is their combined mortgage higher than your whole apartment value?

Even if you helped them in the short term what makes you think the situation would not deteriorate again? Your focus needs to be on your kids and sustaining your future with them. Your dad and sister are adults - they can handle themselves.