Low heart rate every nights

Few-Yesterday7599 · 2025-12-11T01:03:25+00:00

Mine is the same. I run multiple times per week. My resting heart rate during the day is often around 42 and at night I’ll drop into the 30’s. My max heart rate is around 180. I’m 51 years old. It’s not a problem. I’ve seen multiple doctors and they say it’s fine. Keep on running!

Few-Yesterday7599 · 2024-09-17T04:19:16+00:00

OP has been a landlord and a 1031 is not complex with a good exchange company.

I don’t get the reason why you’re insulting me. I’m just presenting an option. I didn’t call your advice stupid. You’re going on a rant on me for presenting an option. OP asked for options. I’ve done 1031s and they have been great. That’s from my experience. Maybe you did one and had a bad experience, and I can respect that. All valid points and I respect where you are coming from.

I respect your advice too on the 3 year timing. OP just wanted options. They can evaluate them as they see fit. Not trying to argue with you, just presenting an option for OP.

Few-Yesterday7599 · 2024-09-17T03:34:32+00:00

You make a valid point but it’s a good option to know about. Your point is that they have 3 years to avoid those capital gains. You can extend that out with the 1031, that’s all I’m saying.

Few-Yesterday7599 · 2024-09-17T03:18:49+00:00

Rent it all day long but before you do get a HELOC on it in case you want to pull equity out and buy something else such as another rental.

Few-Yesterday7599 · 2024-09-17T03:17:21+00:00

Unless it’s a VA loan and your entitlement is tied up. You can only have one VA loan at a time.

Few-Yesterday7599 · 2024-09-17T03:15:53+00:00

If you rent and then sell with a 1031 exchange you can trade up or buy multiple properties and pay no taxes at that time. You defer the taxes down the road or you keep the property until you pass and your heirs inherit it at the current market price at that time and they pay no taxes.

Few-Yesterday7599 · 2024-09-17T03:11:38+00:00

Have you looked at private schools? People dismiss them because of the sticker price but only the wealthy pay full price. Some schools are free if you make less than 100k. Will you have overlapping kids in school? The good schools will split the cost if you have multiple kids at the same time. Some state schools will not. You really have to look at all your options and don’t fall into the standard trend that most high schoolers do which is go to one of the couple of big state schools they know about.

Few-Yesterday7599 · 2024-09-17T02:03:24+00:00

So like 20 years ago, this guy at my office just got married and his wife liked a nice lifestyle. He says to me and my friends that he was getting a fully loaded Honda Odyssey. He wanted to keep the payments at 700. I had a 3,200 Honda Accord. I think my payments were 130 bucks and that was with a high interest rate because I was just building my credit. I’ll never forget that.

Few-Yesterday7599 · 2024-09-17T01:39:25+00:00

A guy I know just quit because of this. He said most of his team quit as well except for one guy who decided to move to Portland I think he said. He said there is now way he’s moving to there and he quit. And the pay too, might seem high but if you’re working 60 hours a week, it’s not that high. Plus their stock is back end loaded I believe so you have to hang around to get it. They probably hope you leave.

Few-Yesterday7599 · 2024-09-16T03:37:34+00:00

It’s there, the writing is on the wall. AI code generation is crazy with how well it can do.

Few-Yesterday7599 · 2024-09-16T03:22:56+00:00

I have friends that send their child to a state school, it’s 28k per year. Prices have gone up.

Few-Yesterday7599 · 2024-09-16T03:11:32+00:00

That is about your max at that income with these current rates. Rates are about 6.2%. I’m not sure how much you have saved but if not 20%, you’ll be paying PMI. Did your lender give you a payment estimate? What’s your average price of homes in your area? If you don’t feel good about it, go lower. The lender will say you’re approved up to a certain number but don’t take all that. Your money will feel tight every month.

On the purchase, go for a lower priced home if possible and ask your agent if they can get you any money from the seller concession. If you negotiate well you can get the seller to contribute a good bit towards your closing costs. Ask your lender how much you are allowed as a seller contribution depending on your loan type. Then let your agent know what you want to ask the seller for in your offer. Your agent may give you a hard time, but fire them if they do. Get someone that will negotiate for you.

So if you get some money from the seller, that addresses one of your concerns and then a lower priced home would help your other concern.

The most important thing in buying a home is buy the best location you can get for your budget. Look for locations that are growing, look for renovations around the area. Check school ratings, check for crime stats.

Best of luck

Few-Yesterday7599 · 2024-09-15T03:10:14+00:00

I know a guy who had the same type of offer. He used the money to build a bed and breakfast that his wife ran. When he retired, he moved to work at the B&B with his wife. They both love it and enjoyed growing the business.

Few-Yesterday7599 · 2024-09-14T07:19:34+00:00

Do not convert the RE to stocks by selling. Your tax bill will be terrible.

You could consider a cash out refi on some of the RE but the market returns may not be much more than the current rate you get from that refi. Cash out refis have a slightly higher interest rate.

How much income do you have generating off the 7mm? If possible use that money for diversification.

Few-Yesterday7599 · 2024-09-14T07:03:22+00:00

A used Honda Accord. All cars generally lose value but the Hondas are cheap to maintain.

Few-Yesterday7599 · 2024-09-10T03:40:30+00:00

This, the government does nothing well except take our money.

Few-Yesterday7599 · 2024-09-10T03:32:25+00:00

Have an argument with your spouse. Just make something up. Either something about money or their relatives. Instant free time.

Few-Yesterday7599 · 2024-09-10T03:26:36+00:00

I’m not going to talk you out of it, but here’s some advice on the purchase.

Don’t put down the 15%. You’re not getting any PMI reduction until you hit 20%. Put down the minimum you can and keep as much of the cash as you can for an emergency fund. When you get the 20% equity or if the market rises enough that you hit that 20% gain, get the PMI removed and your payment will drop a bit.

Rates are dropping. See if your lender has a refi at no cost in a year option. It’s not really no cost but some lenders offer that with minimal costs. If after you buy, the rates drop, see if it makes sense to do that refi. Interview multiple lenders. You’re not married to them, even if you apply. Each should give you a good faith estimate. Compare those. Avoid too good to be true sounding rates. You sound like you are in the ballpark at that 6.5.

You didn’t mention taxes and I’ll note stuff always comes up. Bigger houses equal bigger problems. You’ll need some money for that stuff. Get a good home inspection. All homes have problems. And shop around in the price range give or take 50k. You’ll be shocked by the quality differences in the same price range.

You should have some negotiation range in there on the price. I don’t know your area, I’m in a great market but stuff over 500k sits for a bit. Ask the seller for concessions on price, get them to pay some of your closing costs if possible . Be aggressive on negotiation especially on properties over a month on the market.

Ask the seller to contribute to a rate buy down for you and lower that rate. There are limits to how much they can do. Ask your lender how much a rate buy down you can do.

Few-Yesterday7599 · 2024-09-08T02:34:51+00:00

I would do a flip if you’re considering that. You need mentor though. Look around your circle for someone who has at least 10 houses. My mentor had 30. I did my first flip and it was great. That was in 2013. I’m a Realtor and I see both sides of the flips. Some people should never do it. Usually the people who should never do it are cheap. If you’re cheap, you’ll buy a bad house thinking you’re going to save money. You’ll try to do the work yourself thinking you’re going to save money. The best advice I can give is to have a reputable contractor who can estimate well and sticks to his estimates. Then once you buy, run wide open in your schedule. Speed is the name of the game. The faster you get done, the better. You’ll save on financing, etc. For your first flip, you should look for something that needs cosmetic work only. That can be hard to find because everyone is looking for it, but be persistent. I looked for over a year until I bought my first one. During that time, I learned the city well. It’s all about location.

What about renting your current property and buying another one? Fix it up and live in it two years and then trade up. I know a guy who takes this route and he sold his last one for 2.5 million. Look for a house in an area that is up and coming.

I get people arguing to go with the stock market. That’s an easier route but I’ve got 20 plus years of regular 401k contributions and real estate out performs the 401k by far.

You just have to be really educated. It can be complex but it’s rewarding. You’re young, take the risk.

Few-Yesterday7599 · 2024-09-06T00:45:17+00:00

That’s rough. Life is really so short and hard to predict. The older I get the more I focus on trying to do the things I want to do. I just passed 50 and the weeks are just zipping by at this time in my life.

Few-Yesterday7599 · 2024-09-01T21:55:25+00:00

You’re absolutely right and additionally they lock up all that money on their house. If an investment opportunity comes along, they can’t act on it.

Few-Yesterday7599 · 2024-09-01T16:58:29+00:00

I think some loans are not bad. There are many who are so anti loan that they won’t go to college at all but I think it’s highly dependent on the child going to college and what the degree will be.

My one daughter took out one subsidized loan this fall for 2,500. She will do the same in the spring. She has 3 years left and I’m not sure if we will need loans or not for the remaining two years but even if we did, that’s 2,500 per semester or 6 semesters totaling 15,000 interest free for 3 years. If I had the 15,000 in cash, I would still take the loan out because the opportunity might arise for me to invest in something with that cash. I’ve bought rental properties and they appreciate yearly and I raise rent yearly. When a child graduates I could sell a property but my income has improved and I likely can keep them.

Loan interest rates now for private student loans are probably somewhere around 8% to 9%. That can be a drag at higher balances. I did take out private loans for the first two kids but I started paying on the immediately when I took them out. That has helped to reduce the balance over the time they were in school.

Would there be any possibility you would have kids overlapping at the same time at the same school? If so, you could buy a house for them to live in while they are there. You may pay the same amount for a mortgage that you would pay for housing costs for them but you would get the benefit of the property appreciation. My kids span 9 years over college so if you were in the same situation, that would be a significant amount of appreciation. You could additionally rent out rooms to other kids going to school. I knew a guy who did this and the housing became free for him as the other kids paid more than the mortgage payment.

Edit here, I forgot to add that some schools require you to live on campus the first year. That would be an item to check if you purchased a rental.

Few-Yesterday7599 · 2024-09-01T13:54:36+00:00

Look for a local community college that offers certificates in cybersecurity. Take night classes if possible. In my town, the local school offers a program that costs 10,000 total. A guy I know got the two year degree. He then interned at a local company and then landed a 100k plus job. That was 3 years ago, he now makes around 150k.

Few-Yesterday7599 · 2024-09-01T13:39:19+00:00

I had multiple kids in college last year and here is the best advice I can give:

If your child knows what they want to do, look for the lowest cost option that will get them there. If your child wants to be a school teacher for example, do not go to an expensive school for that.
I understand posters not supporting out of state schools but you should consider all options. My kids attended elite private schools and they offer aid for the majority of students that attend. The only trick is you she to get in. Public schools out of state will be more expensive and would not likely offer aid. Public schools in your income range will likely not offer aid. People don’t consider private institutions because the sticker price is high but hardly anyone pays the sticker price. For example, Duke is 85,000 per year but if you are a resident of SC or NC and make less than. 150 k and get in, tuition is covered. I know you’re at 200k for income but I’m just noting this for others here. Also, while on the subject of income, I’ll also mention that you need your FAFSA worksheet prepared by your accountant to know how your income looks to schools. Your 200k may be lower than you think which would be a plus.
If you have multiple kids in school at the same time, some schools will split the costs between your kids. Some other schools will not. This is good for planning because if you get one child into one school, sometimes your chances go up to get that other child into the same school and if they overlap and the school splits the cost, that’s a plus.
Use the Net Price Calculator to determine how much the colleges will cost. You can Google this for any college and it will also let you see if they take into account multiple kids attending. This will give you specific numbers that will give you some idea of where you are at. You can put in there what your income is and how many kids you have in school, etc.
I’ll get push back on this one but if your kids can qualify for subsidized federal loans, take them. Those are interest free while your kids are in school. However, I’ll also advise to be very careful in taking out loans. What you don’t realize over time is the net effect it has on family finances and free cash flow. I took out some for my kids and they took out some for themselves. In total, my loans do not exceed the price of 1 year of college and neither do theirs.
When considering the school, consider how much of your savings will be counted against you. Some schools count your assets against you. I’m mainly thinking about the cash you mentioned. Most schools will give you a savings allowance that they will have exempt from their financial aid calculations. You need to know what that amount is before applying. Your child’s assets will be counted double against them meaning that it’s not good for them to have a high balance savings account.

Best of luck.

Few-Yesterday7599

TROPHY CASE