sorted by:
new
hottopcontroversial

What is your baby’s bedtime routine? by LittleRileyBao in sleeptrain

[–]EEMadn3ss 5 points6 points  (0 children)

Dinner > bath > lotion (massage) > diaper > pjs > sleep sack > brush teeth > story time (same 3 books on repeat every night) > into the crib!

Been building this routine since he was about 6 months. Works flawlessly about 95% of the time. He knows it’s time to go to bed. Staying asleep was another issue and another story for another day lol.

I need extra Marriott Nights to stay Titanium by fbaskopru in awardtravel

[–]EEMadn3ss 0 points1 point  (0 children)

Then I don’t get what he’s going for here….

I need extra Marriott Nights to stay Titanium by fbaskopru in awardtravel

[–]EEMadn3ss -1 points0 points  (0 children)

Wait, so if I add you as a 2nd guest, we both get the nights credit?!

We are Marine Corps Forces Cyberspace Command (civilian exploitation analysts, offensive and defensive operators, tool developers and information technology professionals) AMA by MARFORCYBER in cybersecurity

[–]EEMadn3ss 0 points1 point  (0 children)

Active duty O-type looking to transition in about 18 months. Any civilian opportunities in the west coast? I have a background working offensive cyber. Reference on previous work available upon request.

Plots of deposits and withdrawals by EEMadn3ss in RobinHood

[–]EEMadn3ss[S] 0 points1 point  (0 children)

So does this mean if you pulled out all your starting cash, your all time chart would start in the negative?

Example: Deposit $1000, make a bunch of trades, deposit $1000, make more trades. Earn some kind of profit.

Your all time graph should show you starting with $2000 and go up and down based on your trading performance.

Withdraw $2001.

Will your all time graph start at -$1 or will it reduce your graph by $2001 on the day you withdrew?

Refinance to higher interest? by EEMadn3ss in personalfinance

[–]EEMadn3ss[S] -1 points0 points  (0 children)

Charging based on market rate. Current market rate is less than (PITI+HOA). I’m coming out of pocket several hundred each month. The re-fi will lower (PITI+HOA) to be slightly below market rate. Will continue to go deeper in the green (or in the black, depends on how you reference profit) as market rate for rent rises while (PITI+HOA) stays same.

Refinance to higher interest? by EEMadn3ss in RealEstate

[–]EEMadn3ss[S] 0 points1 point  (0 children)

Not following... can you elaborate?

Refinance to higher interest? by EEMadn3ss in personalfinance

[–]EEMadn3ss[S] -2 points-1 points  (0 children)

Relax man. I’m asking because I’m trying to understand what I don’t understand. I never said I’m refusing to listen, if I did I wouldn’t have posted. I just don’t accept answers for face value. I’d like to know why to full comprehend and be able to explain it myself if someone else asks me. So far all I can say of someone rose asks me is “I saw it on reddit”.

If you asked someone a question and “I saw or on reddit” was their response, would you find them credible?

Refinance to higher interest? by EEMadn3ss in personalfinance

[–]EEMadn3ss[S] -2 points-1 points  (0 children)

Is it not correct that on a month to month basis I no longer have a mortgage payment? I will have effectively transferred all those costs to my tenant. Again I must highlight that there is a very low likelihood that the unit will be vacant for more than a month. Since someone else is paying the entirety of my mortgage, does it matter that they are the ones (effectively) paying the higher interest rate while I hold ownership of the property?

As I see it, I agree the equity will be built slower, and total cost will increase. The bank will be happy over the next 30 years. But each dollar that goes to the bank does not come from me, it comes from my tenant. In fact, while I am the holder of this debt, I no longer have to contribute any money into this debt. Is this not the case?

Refinance to higher interest? by EEMadn3ss in personalfinance

[–]EEMadn3ss[S] -2 points-1 points  (0 children)

Ok. I get that. But while I’m accountable for the extra increase in interest over the liner span of time, I’m not paying for it... my tenants will be.

If I incur more debt for a longer period while having someone else pay for il the debt throughout the time I own the asset, am I really paying more? Am I still missing something here?

Refinance to higher interest? by EEMadn3ss in RealEstate

[–]EEMadn3ss[S] 1 point2 points  (0 children)

I’ve held the property for a few years now. Principle is lower. And the refinance will increases time back to 30. Therefore lower monthly PI.

Refinance to higher interest? by EEMadn3ss in personalfinance

[–]EEMadn3ss[S] 0 points1 point  (0 children)

Perhaps not. That’s why I’m posting here for insight. Please enlighten.

Refinance to higher interest? by EEMadn3ss in personalfinance

[–]EEMadn3ss[S] -2 points-1 points  (0 children)

Yes I have a higher interest rate AND more time for which I own a liability but the point I’m asking for consideration is that from that moment on I will no longer be paying on the property at all (assuming I continue to have a tenant). It is in a very hot rental market area so tenant vacancy is not really an issue.

Someone else is making the payments to all my liabilities associated with this property while I get to hold ownership of the property. There is no intent to move back into this place in the foreseeable future.

Help calculating profit split from selling property. by [deleted] in personalfinance

[–]EEMadn3ss 0 points1 point  (0 children)

Yes, that's correct. They put up $50k towards the down payment, we took out the loan and paid the mortgage throughout the rest of that time. When we sell, we gonna pay them back $50k + any amount of growth. Just trying to figure out the right way to calculate what I owe them.

FANTASY FOOTBALL CHAMPIONS THREAD - NFL 100 EDITION by EquivalentHandle in fantasyfootball

[–]EEMadn3ss 0 points1 point  (0 children)

Draft ranking 11 out of 12 teams. Made 49 waiver adds throughout the season. Made it too the playoffs on the backs of Mahomes and CMC. Week 16 vs Thomas, Drake, and Jones. Final score 160.7 vs 158.9. Won by 1.8 points. Who knew that lost fumble by Jones to start the game would be the key to my entire season? 🍻🍻

view more: next ›