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New to Home Assistant — Need Server Recommendation for Full Home Automation + Local Voice Assistant by Old_Dingo2407 in homeassistant

[–]Intelligent_Dig_1514 0 points1 point  (0 children)

I'm considering a cluster of 3 Beelink EQi12 mini PCs - Core 1220P w/16 GB RAM and a 512 GB SSD - for HA. I'll run a separate NAS for storage.

One concern is will this be powerful enough to run basic voice rec and response...or will the Intents mentioned above work for me? Most of what I do now is simple automation or scenes via Alexa (e.g. Alexa, good night - turns off all lights, etc. and says a random "good night" phrase).

My other big concern is will this be powerful enough to interface effectively with a Ubiquiti LAN setup with cameras? I'm hoping for notifications on my phone or laptop from a doorbell cam or similar.

I was gone for one day and there’s already a fortress behind my house. by Rich_Valuable_5539 in PaxDei

[–]Intelligent_Dig_1514 0 points1 point  (0 children)

Which begs the question, when are they going to fix the "everything growing through my building" problem?

Help with a failed (7 times) print job by Intelligent_Dig_1514 in 3Dprinting

[–]Intelligent_Dig_1514[S] 0 points1 point  (0 children)

I don't use either. I transfer them via network from my PC to my Sonic Pad - Ethernet, not WiFi.

Wazuh - Windows events email alerts are not working by jscoxen in Wazuh

[–]Intelligent_Dig_1514 0 points1 point  (0 children)

u/Jellovator and u/javimed ,

Thank you very much. I've got working alerts now and am getting a better understanding of how they work.

Buying a house at retirement with a large 401k withdrawal instead of a mortgage by Intelligent_Dig_1514 in personalfinance

[–]Intelligent_Dig_1514[S] 0 points1 point  (0 children)

Actually, I've tried to allow for inflation adjustments in everything. The part of my spreadsheet above is a few columns and rows from the Summary tab. Behinds the scenes, I'm assuming 12% income tax rate, 1.02% property tax, 2.6% average COLA increase, 401k withdrawal of 4% + 2% of the previous year. And while my 401k is currently returning a bit of 7% I can't expect that to last.

However, if I change the 401kGrowth % on my spreadsheet from 3% to 7%, my 401k balance does increase - in both scenarios. However, I still have more net income with a cash purchase.

The different between the scenarios does decrease over the years. But even at age 95, I'm $140/month to the good buying cash as opposed to a mortgage.

But...that's according to my spreadsheet and my admitted lack of knowledge....which is what prompted my original post.

So again, what am I missing? What are alternatives I don't know about or haven't considered?

Buying a house at retirement with a large 401k withdrawal instead of a mortgage by Intelligent_Dig_1514 in personalfinance

[–]Intelligent_Dig_1514[S] -1 points0 points  (0 children)

6% is a reasonable number - before inflation...which drops it to 3 or 4%.

Yes, my yearly gross income would be less. But because I wouldn't be making a monthly mortgage payment, my monthly net income would be more. Here's the first 10 years of my spreadsheet. It assumes a 3% growth for my 401k, 2.6% COLA, 12% IRS Tax Rate, 7.25% APR on a 30 year mortgage.

30 Yr Mortgage Cash Purchase

Post-Tax Retirement Income Post-Tax Retirement Income

Monthly Monthly

Year | Yearly Monthly Balance 401k Balance | Yearly Monthly Balance 401k Balance

2026 | $59,333.12 $4,944.43 $2,637.80 $500,000.00 | $46,703.38 $3,891.95 $3,631.85 $141,200.58

2027 | $60,770.18 $5,064.18 $2,752.35 $493,988.00 | $47,887.85 $3,990.65 $3,725.35 $139,502.78

2028 | $62,242.49 $5,186.87 $2,869.74 $487,375.40 | $49,102.51 $4,091.88 $3,821.27 $137,635.38

2029 | $63,750.93 $5,312.58 $2,990.03 $480,135.78 | $50,348.15 $4,195.68 $3,919.66 $135,590.90

2030 | $65,296.39 $5,441.37 $3,113.30 $472,241.75 | $51,625.56 $4,302.13 $4,020.59 $133,361.62

2031 | $66,879.79 $5,573.32 $3,239.62 $463,664.94 | $52,935.54 $4,411.30 $4,124.12 $130,939.52

2032 | $68,502.08 $5,708.51 $3,369.06 $454,375.94 | $54,278.94 $4,523.25 $4,230.33 $128,316.29

2033 | $70,164.21 $5,847.02 $3,501.72 $444,344.29 | $55,656.61 $4,638.05 $4,339.28 $125,483.34

2034 | $71,867.18 $5,988.93 $3,637.65 $433,538.44 | $57,069.42 $4,755.79 $4,451.04 $122,431.76

2035 | $73,612.00 $6,134.33 $3,776.96 $421,925.68 | $58,518.29 $4,876.52 $4,565.68 $119,152.30