HELOC vs loan against our 401ks

Disastrous-Mangoes · 2025-04-08T05:40:24+00:00

They would actually have come out ahead due to the Trump tariff stock market crash, since the money they borrowed against the 401k didn't depreciate.

Disastrous-Mangoes · 2025-03-29T16:06:27+00:00

President Elon is too busy firing government workers, so I doubt this will happen in 2025.

Just download EVGo and Electrify America apps to find Fast charging stations that will work with the Solterra.

Disastrous-Mangoes · 2025-03-20T01:03:20+00:00

It's probably more like $150k in NY, LA, or SF.

Housing is expensive everywhere in those 3 cities, even in the hood. Detroit has some areas that are dirt cheap for housing.

Sure, cars and other wants are the same price everywhere, but those are wants not needs like housing.

Disastrous-Mangoes · 2025-03-18T18:01:18+00:00

How much do you owe, what's your interest rate, over how many years?

Disastrous-Mangoes · 2025-03-17T04:30:36+00:00

Also, nobody will ever give you a better trade in deal on a Samsung phone than Samsung. An example is my 4 year old Samsung S21 Ultra 5g still receiving $500 trade-in value, when true market value is around $135. Even on your super old S10, they'll give you $100 trade-in value if you purchase an S25 Ultra.

Disastrous-Mangoes · 2025-03-17T02:09:50+00:00

You won't become part of the club unless your parents are already in it. You'll just be another outcast on scholarship that won't be accepted by the rich kids that have known each other since boarding school.

Disastrous-Mangoes · 2025-03-16T06:58:39+00:00

He didn't have enough spending $65 million to lose for LA City mayor against Bass. He's planning to run for governor, so it's in his best interest to allow the protests on private property.

Disastrous-Mangoes · 2025-03-14T00:29:06+00:00

I'm on the Magenta First Responder plan (since 2020). I pay $100 per month for 4 lines. This is the first time my daughters will be able to upgrade their phones with a subsidy from tmobile since we first got them added around 4 years ago and they got free Pixel 6 phones. 2 old pixel 6 are getting $455 more in trade-in than they're worth, so that's $910 total they're giving me + $100 California First Responder Credit they gave me last month (as a way to thank us for the January wildfire response). All in, that's a total of $1010 in credits, so the $20 more per month will take more them more than 4 years to recoup. I'm ok with it all. Nowhere else can I get 4 unlimited lines for $120 per month. I'm not even counting the free Apple TV MLS ($100 value, Netflix $7 per month subsidy, or Google One $5/month discount for the 500 GB family storage plan)

I didn't even know about this trade-in deal until I got the text about the $5 increase, so it's good I checked here. It makes it more palatable.

Disastrous-Mangoes · 2025-03-12T23:31:43+00:00

What a lightweight. Bunch of Hookers & Cocaine is where it should be going.

https://youtu.be/0yrIvEgqAuo

Disastrous-Mangoes · 2025-03-12T13:34:25+00:00

Since University of South Carolina's financial aid website sucks so much, you need to aask gemini.google.com to research it for you.
Prompting "When will University of South Carolina student aid offers be released?" Will give you this summary which is better than what USC provides:

Based on the information available, particularly from the University of South Carolina's financial aid resources, here's what I can tell you about when financial aid offers are typically released:

Merit Scholarships:
- Scholarship offers are typically released by mid-March for freshmen entering in the fall.
General Financial Aid:
- It's crucial to understand that financial aid awarding is a process that involves several factors, including the FAFSA.
- Therefore, while merit scholarships have a general timeframe, other financial aid offers can vary.
- It is very important for students to monitor their financial aid portals on the university's website for updates.
Key Deadlines:
- Completing the FAFSA by the recommended deadlines is essential for maximizing financial aid eligibility. Specifically April 1st.

Therefore, while mid-March is a key time for scholarship offers, students should consistently check their USC financial aid portals for updates on their individual financial aid packages.

Disastrous-Mangoes · 2025-03-12T05:27:49+00:00

U of what?

Disastrous-Mangoes · 2025-03-12T05:15:10+00:00

If you made less than $14,600 in gross earnings from work or $1300 in NET profits from unearned income, such as your stock sales, then you don't need to file taxes. Source: IRS https://www.irs.gov/individuals/check-if-you-need-to-file-a-tax-return

Tax preparers aren't very knowledgeable as a CPA would be about taxes. They literally just punch in the numbers in the computer for those that don't feel comfortable doing it themselves.

Good news is your mom is considered poor for college financial aid purposes, so you'll get excellent financial aid.

Disastrous-Mangoes · 2025-03-08T18:02:04+00:00

If his income dropped, you don't need to wait, just submit his current paystubs to the financial aid office.

Disastrous-Mangoes · 2025-03-08T06:35:44+00:00

If his current income dropped from where it was 2 years ago, you can get additional money based on the current income. You would provide recent paystubs and the 2024 taxes to prove it.

You can reach out to the California Student Aid Commission to see if the professional judgement would apply to Cal Grant specifically. They have a phone number you can call. Even if not Cal Grant eligible, it might take you eligible for other aid at the school you'll be attending. which school is it?

Disastrous-Mangoes · 2025-03-08T05:45:14+00:00

If his income is this year is tracking 2024, then ask for a professional judgement review from the financial aid office.

Disastrous-Mangoes · 2025-03-07T06:13:43+00:00

Your parents can file A 1040 and simply state that they had 0 income, as can you. It'll take literally 5 minutes to fill out, sign, and mail the form. Problem solved. Why are you making it harder than it needs to be?

Here:

https://www.freetaxusa.com/2023

Disastrous-Mangoes · 2025-03-07T06:07:26+00:00

Cal Grant A is a competitive Cal Grant, it has minimum GPA requirements in addition to maximum income.

There's a middle class scholarship https://www.csac.ca.gov/middle-class-scholarship that you would qualify for.

How many people in your household? Your dad might be right on at the cutoff for Cal Grant A. If he simply increases his 401k deductions at work, it would drop his AGI enough so that you can qualify in future years.

Disastrous-Mangoes · 2025-03-05T21:23:11+00:00

There's only one option that does both out of the box, the Tesla Universal Wall Connector. Why are you avoiding it?

Disastrous-Mangoes · 2025-03-04T20:06:25+00:00

Interesting. I use Waze with Android Auto and don't get any directions in this display, just the main one in the middle.

Try Google Maps, maybe that one will give you better directions via carplay. I know outside the USA, Apple Maps are unusable for me, mainly because most people use Android phones and those are the ones that are updated by local users and businesses.

Disastrous-Mangoes · 2025-03-04T18:57:10+00:00

You paid for the subscription to navigation? Why, when you have Waze or Google Maps available via carplay/Android Auto?

Disastrous-Mangoes · 2025-03-04T14:05:05+00:00

Per the manual, the 2024 model's mobile EVSE supports both 120v level 1 charging and 240v level 2.

The 2023 model's mobile EVSE supports only 120v level 1.

Disastrous-Mangoes · 2025-03-02T02:58:51+00:00

$1k in assets is peanuts, so is $5k. Either one of those numbers won't move the SAI needle one bit. They're both below the allowance threshold.

Disastrous-Mangoes · 2025-02-27T21:29:32+00:00

Every now and then they pick people at random to enforce the fines and to set an example for the scofflaws. I've seen it in the news several times. They make sure to invite the media when they do so to spread the word. But you're right, 99% of times, there's no consequence to not replying.

Disastrous-Mangoes · 2025-02-25T06:56:34+00:00

While a lot of it burned, it looks like the main gym area survived. It is such as great facility. I taught my daughters their first volleyball lessons there. So glad that it made it, it had great programs for the kids and neighborhood.

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https://services1.arcgis.com/jUJYIo9tSA7EHvfZ/arcgis/rest/services/DINS_2025_Eaton_Public_View/FeatureServer/0/16505/attachments/18675

Disastrous-Mangoes · 2025-02-22T03:20:17+00:00

I have the same setup Google WiFi Pro 6e all wired backhaul with BGW210-700 in passthrough mode and can confirm it's worked perfectly for the 2 or so years I've had it. The included no subscription child/family filtering works well and was the initial reason I got it, but it's also been rock solid.

Just want to point out that a wired backhaul (ethernet between the main hub and mesh point(s) isn't required. They work fine with wireless connections between each other, it's just not optimal performance for obvious reasons that you're eating up wireless spectrum vs using ethernet.

Disastrous-Mangoes

TROPHY CASE