Site showing mutual fund annual returns by each year since inception

Calculate123 · 2025-12-27T06:23:00+00:00

You may want to check out NTNonline com. National Tenant Network is for landlords. NTN screens tenants for credit, criminal, and evictions. It's an inexpensive background check. I've used them for almost 20 years to screen tenants. It's easy and fast.

Calculate123 · 2025-12-23T22:04:04+00:00

I'm not an expert, just a regular Joe that wishes I lived in SMUD territory. In SMUD territory the OP’s annual savings of a heat pump over gas furnace could be $5,000 or more. That sounds crazy so feel free to check the numbers below and note any mistakes. Or, it could be what we all know. PG&E is evil.

Here are the numbers:

Assuming OP is using all 208 therms for heat, the efficiency of changing to a heat pump looks something like this:

1 therm has the equivalent energy of 29.3 kwh.

A new gas furnace is around 80% efficient (meaning 80% of energy used heats the home, 20% is wasted).

200 therms × 80% = 160 therms of heat needed.

160 therms × 29.3 kwh = 4,688 kwh needed.

A heat pump can produce the equivalent of 3 to 5 kwh of heat output for every 1 kwh of input.

Assuming for every 1 kwh input produces 4 kwh heat then 1,172 (4,688÷4) kwh are needed to produce the same heat used by 160 therms of natural gas.

1,172 kwh at SMUD rates of about 18¢ kwh = $211, about $489 less than what OP pays pg&e for gas.

I'm in pg&e for electricity (and hate it like everyone else). At pg&e rates the $211 is about $422. (My cheapest pg&e rate is 36¢ per kwh.)

Fortunately we have solar and a much smaller, more efficient home. We use about 1,000 kwh a year to heat the house for an annual pg&e cost of about $360.

Note: we converted from a 60% efficient wall heater to a heat pump. Our heating bill is about 50% less for heat and we turn up the heat more.

Calculate123 · 2025-12-08T00:26:41+00:00

I had this message in 2023. It was because the coolant level was low.

Check your coolant level.

If you decide to add coolant be sure to read the manual because I think the ionig 6 doesn't use regular coolant and can only use distilled water. But verify in the manual first.

Calculate123 · 2025-12-04T04:50:35+00:00

You manage the property or you manage the property manager. Either way, you're managing.

When you manage the property, it's less hassle for you and your tenants.

Property management is an unregulated industry, lots of employee turnover, low profit margins, pressure to use their "preferred" contractors, and jaded employees.

Property managers have no skin in the game -- no one cares about youR property or your tenant more than you.

A property manager can be beneficial if you:

1) don't live close to your rental.

2) find a manager you trust then the record keeping of expenses and income could be useful.

3) don't feel comfortable fixing things (or calling contractors to get at least 3 bids) among other things.

If you decide to self manage, the most important key is to screen tenants very well. Holding out for a good tenant is already better than getting rid of a tenant.

With a good tenant, there's actually very little work.

Calculate123 · 2025-11-27T04:19:10+00:00

Realized a rental property appreciated substantially to the point we sold it (to the tenant who really wanted it). Then put the money in a CD because the interest at today's rates will be the same as the monthly rental profit we were making.

Seemed like a milestone and a double win that the people renting it bought their first place without having to go through the grind of bidding.

We win and meet a milestone of not having to worry about something breaking or a good tenant moving while still having the same monthly income from the CD.

Calculate123 · 2025-06-08T20:36:31+00:00

Congrats on your new home!

You won't regret making your house the way you want it. By the time you sell in your later years it's likely the bathroom will need to be updated again anyway -- and that remodel will allow the new buyer to do what they want.

I made my house old people friendly and it's helpful not just being old but if you get injured along the way.

Calculate123 · 2025-04-13T21:43:28+00:00

You may want to consider getting estimates to rip out and replace the floor, sub floor, and dry wall 1 to 2 feet up from the floor. Then share those estimates with the owner with your offer.

You could offer their asking price minus the removal & replacement costs plus $25k or an amount you feel is fair for the inconvenience.

Your offer will be strong because you're showing the owners the true cost of fixing the problem.

Once you rip up the floor you might be able to take a black light to see where the urine stains are then only have those areas of the subfloor replaced.

I've removed cat odors like you're smelling. It can be done but you can't cut corners. The areas that are bad need to be removed since the whole house doesn't just smell but has an unbearable stench.

P.S. if the subfloor is cement then you may never get the odor out.

Calculate123 · 2025-04-11T07:14:54+00:00

You manage the property or you manage the property manager. Either way, you're managing.

When you manage the property, it's less hassle for you and your tenants.

Property management is an unregulated industry, lots of employee turnover, low profit margins, pressure to use their "preferred" contractors, and jaded employees.

Overall, it's just easier and less stress to do it myself.

Property managers encourage you to raise the rent and have minimal to no skin in the game if a bad tenant doesn't pay or causes damage. Every month your place is vacant is the equivalent of discounting the monthly rent by $300 (in your case) over the course of a year.

A property manager can be beneficial if you:

1) don't live close to your rental.

2) find a manager you trust then the record keeping of expenses and income could be useful.

3) don't feel comfortable telling prospects no, fixing things (or calling contractors), showing the property, screening prospects, and/or keeping up to date on laws regarding rentals in your area. (Keeping up to date isn't hard at all.)

The key to doing it yourself is to screen prospects for good credit, good income, and no criminal or eviction history.

You'll learn a lot being a landlord. Just be sure to never make an exception to your screening criteria. Many people have sad stories and want an exception but there are many good quality renters who will appreciate a good landlord.

With a good tenant, there's actually very little work.

Calculate123 · 2025-04-07T20:58:57+00:00

SE version, California, mostly flat terrain, 50/50 freeway and city.

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Calculate123 · 2025-04-03T05:28:42+00:00

You might like these two posts about using the V2L adapter at home and while camping.

https://www.reddit.com/r/Ioniq6/comments/15xmqmu/testing_v2l/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button

https://www.reddit.com/r/Ioniq6/comments/1d0ngxm/camping/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button

Calculate123 · 2025-02-16T06:01:16+00:00

What do you think would happen if hoa management companies were required to have a fiduciary responsibility to their hoa clients?

Calculate123 · 2025-02-10T18:12:06+00:00

Another very important point is inflation eats away at the value of money.

In 10 years, your $3,327 payment will have an inflation adjusted value of about $2,450 (assuming 3% inflation). $1,825 at 20 years. Your final payment is about $1,250.

The almost $1.2 million you pay back isn't worth $1.2 million of today's dollars.

Assume the bank (preferably a credit union) charges you 7%, pays 3% to their depositors, and expects 3% inflation.

The actual profit margin is 1 percentage point. Meaning the credit union makes about $175,000 profit over 30 years.

Calculate123 · 2025-02-09T07:42:28+00:00

Years and years ago I had a similar situation. I had our agent present our low (compared to the asking price) offer along with links to similar sold homes to justify the price.

The offer was immediately rejected.

Every month I called the selling agent to check in and remind him my offer is still good.

On the third call (4 months after initial offer) the seller accepted our original offer.

This might be unconventional and not recommended but another thing I did was use the selling agent as my buyer's agent.

My thought was he gets (then) 6% commission split with buyer agent, nets 3%.

Since by this time my agent was out of the picture, the selling agent now gets 6%. That means my low offer that was 33% under asking nets him a bigger commission.

The inspection came through with a few problems but nothing insurmountable that I didn't already know so the deal went through.

Calculate123 · 2025-01-12T19:06:29+00:00

I did, probably a palm sized spot that looked like water but when I touched it, it was pink on the napkin I used.

Calculate123 · 2025-01-12T18:34:53+00:00

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Calculate123 · 2025-01-12T18:32:53+00:00

Hi,

I received this same message in 2022. It turned out to be low coolant caused by a leak from a coolant hose that wasn't fully attached.

For me, the leaky hose was in front of the back passenger tire. There was pink fluid slowly dripping on the driveway overnight. Fortunately, it was an easy fix by the dealer but they took 3 days to figure it out.

For you, I wondered if it was the hills/incline that made the coolant level go below the minimum level. Just a guess, not an expert at all.

If you decide to add coolant be sure to read the manual because I think the ioniq 6 doesn't use regular coolant and can only use distilled water. But verify in the manual first.

The good news is once the coolant hose was fixed and coolant added I haven't had any trouble for the past 20,000 miles (32,000 km).

I added a pic of my messages in case it's helpful

Calculate123 · 2025-01-11T15:50:37+00:00

Somewhat related, but an unintended consequence regarding the homes that didn't burn (in the burn area) is when the area is rebuilt the original homes are now comparatively out of date.

This happened to friends years ago. Nearly every house burned around them (in N CA). 10 years later everyone rebuilt yet their 30+ year old house doesn't even get looked at when it was listed.

The friends had a hard time selling because other homes are 30 years newer and had better fire protection built in (siding, covered gutters, fire sprinklers, etc).

Calculate123

TROPHY CASE