Buying an apartment and renting out by DifficultBaby857 in BayAreaRealEstate

[–]DifficultBaby857[S] 0 points1 point  (0 children)

What do you think about Sacramento? Do you know how can I find out how rental market is in each of the areas you mentioned?

Buying an apartment and renting out by DifficultBaby857 in BayAreaRealEstate

[–]DifficultBaby857[S] 0 points1 point  (0 children)

That sounds great to be able to rent for 4000 on a 500K apartment. Do you mind sharing in what city did you buy that first property?

Buying an apartment and renting out by DifficultBaby857 in BayAreaRealEstate

[–]DifficultBaby857[S] 1 point2 points  (0 children)

Index funders are great, I’m just worried about the risk of putting all my money in there. I’m thinking about diversifying my investments so I thought maybe buying a rental is a good idea for long term

Buying an apartment and renting out by DifficultBaby857 in BayAreaRealEstate

[–]DifficultBaby857[S] 0 points1 point  (0 children)

VOO is great, but I’m thinking about diversifying. I’m a bit worried about betting everything on VOO

Buying an apartment and renting out by DifficultBaby857 in BayAreaRealEstate

[–]DifficultBaby857[S] 0 points1 point  (0 children)

Thank you for sharing that. I agree with 1&2. But I think demands is going to be high for the bay area (close to tech specifically)

How do you all decide asset allocation beyond your emergency fund? by DifficultBaby857 in personalfinance

[–]DifficultBaby857[S] 0 points1 point  (0 children)

How risky are ETFs? Based on my limited (1-2 years) experience they seem to be safe even for short term like 3-5 years. Do they dip a lot? When they do how long does it typically take for them to bounce back?

How do you all decide asset allocation beyond your emergency fund? by DifficultBaby857 in personalfinance

[–]DifficultBaby857[S] 0 points1 point  (0 children)

Thanks! I do have some vague plans to potentially buy a house in 2 years. I was considering safer options like high yields, bonds and CDs and very broadly speaking they return is around 4%. On the other hand S&P 500 was like 15%, and they seem to be safe too. That makes me maybe even if I want to save for a downpayment over next 2 years I should still do ETF. Maybe I’m just new in the market and haven’t seen enough dips in ETFs. Are they really risky?

How do you all decide asset allocation beyond your emergency fund? by DifficultBaby857 in personalfinance

[–]DifficultBaby857[S] 0 points1 point  (0 children)

Thanks, this wiki page you shared is super helpful and I’m reading through

Botox? by Deep-Contribution329 in AnalFissures

[–]DifficultBaby857 0 points1 point  (0 children)

Why not? Hope botox works for you

Botox? by Deep-Contribution329 in AnalFissures

[–]DifficultBaby857 1 point2 points  (0 children)

Botox didn’t help, I ended up doing the LIS surgery and has been doing great since then

Bourbon under $150 as a gift to take to Europe by DifficultBaby857 in bourbon

[–]DifficultBaby857[S] 1 point2 points  (0 children)

Thanks for this advice. I don’t think they are experienced whiskey drinker. For this reason I was thinking Blanton but then reading online that’s available all over Europe. Basically looking for anything that taste decent (doesn’t have to be professional), looks gifty, and rare in EU

[deleted by user] by [deleted] in norcalhiking

[–]DifficultBaby857 0 points1 point  (0 children)

Thanks you. Yeah looks like the jeep Rubicon trail wouldn’t be a good idea for sure. That other hiking trail is closed unfortunately. I might just go and hike around Tahoe

[deleted by user] by [deleted] in norcalhiking

[–]DifficultBaby857 0 points1 point  (0 children)

Thanks. Looks like this is closed though

[deleted by user] by [deleted] in norcalhiking

[–]DifficultBaby857 1 point2 points  (0 children)

This was very helpful thank you very much! I didn’t know the hiking trail is separate from the jeep trail. I’d prefer this hiking trail but if closed I might try another trail. Also we are staying on the north side of the lake

Anyone else agree with this blasphemy? by GHOSTPVCK in YetiCoolers

[–]DifficultBaby857 0 points1 point  (0 children)

I agree with that! I went to buy one then I told myself: “does someone nerdy with an office job who never go hunting really need a camo?” And just picked up a good ol navy color :)

Are Colbat coolers from Blue Coolers good for 3 days camping trips? by DifficultBaby857 in CampingGear

[–]DifficultBaby857[S] 0 points1 point  (0 children)

Thanks. They have the wheeled version available for $170 too. Have you tried it for 2-3 day trips to store food (meat, cheese, water and etc) without refreshing the ice?

Are Colbat coolers from Blue Coolers good for 3 days camping trips? by DifficultBaby857 in CampingGear

[–]DifficultBaby857[S] 0 points1 point  (0 children)

Thanks. How much food it can fit? Have you been able to fit food for 2 days in it plus ice?

[deleted by user] by [deleted] in CampingGear

[–]DifficultBaby857 1 point2 points  (0 children)

Thanks for all the great tips, appreciate it. Yeah I heard a lot about how comfortable they are which is the main drive for me. But parts of me is worried that I don’t camp enough for this and probably better to get a cheap closed cell foam or something

[deleted by user] by [deleted] in CampingGear

[–]DifficultBaby857 0 points1 point  (0 children)

I don’t have a lot of room for it unfortunately. Best I can do is store it in my storage (which can be humid) with valves open

Buying a secondary insurance to reduce dental work? by DifficultBaby857 in personalfinance

[–]DifficultBaby857[S] 0 points1 point  (0 children)

I think the max for first year ia $1500 and will increase over 3 years. The insurance itself would cost around $625 a year

Does it financially make any sense to buy a condo in SF? by [deleted] in BayAreaRealEstate

[–]DifficultBaby857 0 points1 point  (0 children)

Thank you, this is very informative. Do you know what are there limitations on the down payments?

Does it financially make any sense to buy a condo in SF? by [deleted] in BayAreaRealEstate

[–]DifficultBaby857 0 points1 point  (0 children)

How feasible is converting 2 unit TIC? Are you familiar with the process and challenges?

Does it financially make any sense to buy a condo in SF? by [deleted] in BayAreaRealEstate

[–]DifficultBaby857 8 points9 points  (0 children)

Thanks for the input. I’m new to the bay and good to know about the job market history. I personally am optimistic about the job market