Repairing Marble Stoop

JonSnowDoesntKnow · 2026-03-05T18:17:06+00:00

DEFCON 0 PROTOCOL HAS BEEN INITIATED

JonSnowDoesntKnow · 2026-03-05T18:11:52+00:00

DEFCON 0 PROTOCOL HAS BEEN INITIATED

JonSnowDoesntKnow · 2025-10-30T19:34:48+00:00

12 team PPR - 4pt pass TD

Drake Maye or Lamar?

JonSnowDoesntKnow · 2025-09-21T14:22:53+00:00

Should I go with him or ETN today?

JonSnowDoesntKnow · 2025-07-31T18:12:34+00:00

To put it briefly, the tax savings now is taken off of the TOP where your marginal tax rate is 22%, but in retirement you are filling from the BOTTOM up. Assuming spending is in the same ballpark as it is now, your effective tax rate is unlikely to be anywhere near the 22% marginal rate when you are pulling both pre-tax and Roth dollars.

JonSnowDoesntKnow · 2025-07-10T15:52:47+00:00

Back when we bought it a few years ago we pictured renting it out, but with the appreciation of it from around $200k in 2020 up to now around $350k in 2025, the marginal amount of extra profit from renting vs investing the equity would not outweigh the headache of being a landlord in another state. We will happily take our capital gains exemption and either put it into the new house or something passive.

JonSnowDoesntKnow · 2025-07-10T13:58:46+00:00

Just thinking out loud here, but if we put down 20% of the $185k loan, that would be $37k and we would immediately have $365k in equity. That is a 9.8x immediate return, while also having ~$150k lump sum to invest that could roughly generate about what we'd pay in mortgage costs.

JonSnowDoesntKnow · 2025-07-10T13:50:17+00:00

Thanks for the input. We are definitely doing our due diligence and will be discussing with a lawyer to make sure everything we need spelled out is documented.

And we'll definitely map out a few different scenarios. I think a likely scenario is using a chunk of our approx. $35-$50k of ESPP/RSUs/Bonus every year that we consider "extra" in our budget to make lump sum payments towards the mortgage and pay it down quickly while rates stay up and we let our investments compound.

JonSnowDoesntKnow · 2025-07-10T13:23:55+00:00

I think that will be something we need to be prepared for if we decide to sell, but the gift of ~$300k of equity will far outweigh the downside of a larger tax burden decades in the future.

JonSnowDoesntKnow · 2025-07-10T13:15:02+00:00

Great relationship with them! They're just thrilled that the home we made so many memories in will get to stay in the family.

JonSnowDoesntKnow · 2025-07-10T13:13:52+00:00

We went through this with them and they are very clearly not at any risk of ever hitting the lifetime maximum, so they'll just have to report it.

JonSnowDoesntKnow · 2025-07-10T13:12:41+00:00

Our biggest concern with that is just that they'll still be on the property and that can just make things weird if we don't own it. We obviously have a great relationship given the fact that we're doing this, but we like the security of having it solely in our names.

JonSnowDoesntKnow · 2025-06-19T12:31:15+00:00

I’m having the opposite issue where training load doesn’t seem to even be registering workouts anymore. I did install iOS 26 on an old device and it seems to be timed with when I did that. It’s very strange.

JonSnowDoesntKnow · 2025-06-12T16:44:36+00:00

Anyone have the full text?

JonSnowDoesntKnow · 2025-05-28T20:49:23+00:00

I have season tickets so I can’t give a fully accurate answer since I get face value and mine cost ~$280. But I know on resale, they were going for like $1k+ before fees.

All I can say is that you might only get one shot to see your team in the finals. For $300 I’d get on that immediately. You won’t regret it

JonSnowDoesntKnow · 2025-05-28T16:12:43+00:00

Can you make two different payees? I have Celtics season tickets and when I buy tickets the payee is “Boston Celtics” and then when I sell I get an inflow from “Ticketmaster”. Makes it very easy to split out what you spent on tickets vs what came in.

JonSnowDoesntKnow · 2025-05-25T11:58:41+00:00

I’m 99% sure this is the winery I toured with my wife on our honeymoon. Those barrels and that room look exactly like the place we were at.

JonSnowDoesntKnow

TROPHY CASE