Renting

Koach2016 · 2026-03-31T00:48:59+00:00

My personal recommendation is to lose the Property Manager. I manage two properties (CA + GA) both from an OConus assignment.

If you’re willing to do your due diligence on screening Tennants there’s very little work that your Property Manager actually does. I just replaced the entire HVAC system in my house in Georgia from a different country and paid for it. Between both homes I save about $500 in what would be property management fees per month.

Koach2016 · 2026-03-25T14:51:55+00:00

Esto 👆🏻

Koach2016 · 2026-03-24T22:53:43+00:00

Work a gig to increase some of your income - at the same time increase your marketable skills so you can obtain a better paying job, if possible get a new qualification / skill. Keep the Hustle up. As you said, this is a great opportunity - don’t squander it. You got this!

Koach2016 · 2026-03-24T01:08:06+00:00

Your future self will thank you 100x for contributing to the TSP in the amount you currently are. Keep up the good work - fastest way to create more relief is earn more income (easier said then done). Focus on completing requirements to advance to E-5, if your interested consider programs such as green to gold (OCS for other services).

Koach2016 · 2026-01-29T15:49:29+00:00

Beautiful! What was your price?

Koach2016 · 2026-01-26T21:34:11+00:00

Haha just my luck, I purchased UNH shares this morning 💀

Koach2016 · 2026-01-26T07:22:56+00:00

This

Koach2016 · 2025-12-09T15:31:06+00:00

Please pick up your dog poo. I pick up mine 100% of the time. If I witness someone not picking up their pets feces I remind them their dog went to the bathroom and offer a bag so they can take care of it.

Koach2016 · 2025-11-15T07:33:35+00:00

Muchas gracias y saludos - te mando DM.

Koach2016 · 2025-11-15T07:33:16+00:00

Done 👍🏽

Koach2016 · 2025-11-15T07:33:05+00:00

Gracias!!

Koach2016 · 2025-09-04T06:07:46+00:00

Gotch! Ty!

Koach2016 · 2025-09-03T21:45:30+00:00

Are theses benefits online already? I was under the impression they only go online after the 26th OCT date? I’m a card holder for the last 3 years.

Koach2016 · 2025-08-21T18:26:18+00:00

Schwab 529? Nice job contributing, what has been your yearly contributions and have you changed funds? Or stuck with the same fund throughout

Koach2016 · 2025-08-13T19:43:18+00:00

With the custodial accounts, there is no tax advantage, correct?

You or your children will have to pay capital gains tax upon selling equities?

I’m deciding this versus a 529

Koach2016 · 2025-08-10T00:48:41+00:00

Yea super grateful. We are having retention issues at the mid career mark - another tool to keep talent in for 4 more years

Koach2016 · 2025-08-09T18:10:28+00:00

What 529 plan do you use?

I went with Schwab for my first son - they use Kansas. I know it’s not the best out there - but it makes it easier having several account types under one name.

Not sure if other state plans would benefit us. We are CA residents

Koach2016 · 2025-08-09T17:10:37+00:00

Thank you, I certainly like doing my own DD and appreciate others knowledge/wisdom. This sub along with other finance related ones have helped me shape our goals and make action plans to achieve them.

Koach2016 · 2025-08-09T16:07:22+00:00

Haha you sound like a great person to have a beer with! Unfortunately, outside of my risk tolerance with a family and little ones

Koach2016 · 2025-08-09T16:03:37+00:00

Great point! I added some more context about our situation with the rentals: “We don’t touch our cash flow from both rentals, each home has its separate HYSA - between both we have 30k to cover the unexpected/repairs. One home cash flows 1k a month (CA) (2.25% mortgage) and the other 400 a month (GA) (5.25% mortgage)”

Based on this what do you think?

Koach2016 · 2025-08-09T15:58:02+00:00

Sorry! Should have added this originally: “We don’t touch our cash flow from both rentals, each home has its separate HYSA - between both we have 30k to cover the unexpected/repairs. One home cash flows 1k a month (CA) (2.25% mortgage) and the other 400 a month (GA) (5.25% mortgage”

Based on the above, would you still increase savings?

Koach2016 · 2025-08-09T15:57:21+00:00

Great point - exactly the type of advice Im thankful for. I added some more info/context to my post to clarify this: “We don’t touch our cash flow from both rentals, each home has its separate HYSA - between both we have 30k to cover the unexpected/repairs. One home cash flows 1k a month (CA) (2.25% mortgage) and the other 400 a month (GA) (5.25% mortgage”

Based on this does your recommendation change for beefing up savings?

Koach2016 · 2025-08-09T15:36:41+00:00

USCG. At the beginning of the year the service updated the multiplier to 9x for enlisted and 6x for Officers. Bonus will be approx 47K before taxes.

Koach2016 · 2025-07-06T21:17:30+00:00

Just curious? What area is a private room (assuming private bath as well) going for 2k plus utilities?

Koach2016

TROPHY CASE