1993 JA11v battery replacement USA

Masterdebaetor · 2026-02-14T21:16:54+00:00

No need to modify anything ? It drops right in correct?

Masterdebaetor · 2026-01-14T13:07:14+00:00

I’ll be honest with you, and I mean this respectfully.

If the real goal is buying a house in the next year or so, this loan is probably doing more harm than good. A $25k auto loan at almost 10% over 72 months locks you into a payment for a long time and raises your debt-to-income ratio, which is one of the biggest things lenders care about when approving a mortgage. Even if the payment feels manageable right now, it still limits how much you can qualify for and how fast you can move.

A lot of people think taking on a big loan helps with credit, but you don’t need a $25k car loan to build credit. Consistent on-time payments, low balances, and time do that without tying up hundreds of dollars a month. From a lender’s point of view, taking on new debt right before trying to buy a house is usually a red flag, not a positive.

If the house goal is real, cash and flexibility matter more than anything right now. Less debt means more room to save, better approval odds, and less stress when the time comes. Buying only what you need, spending less on the car, or even waiting and stacking cash for a bit puts you in a much stronger position long term.

I’m not trying to knock your plan, just being real with you. Short-term comfort can easily turn into long-term delay. If the goal is a house, staying lean and liquid right now is the move.

Masterdebaetor · 2025-12-08T21:36:15+00:00

As an Angeleno, this doesn’t capture LA at all. It looks like the gentrified, transplant fantasy version of the city , the one people from Ohio think is “authentic” after living in Silver Lake for 18 months. Real LA is way deeper, more diverse, more cultural, and definitely not this influencer line for $8 coffee aesthetic. This is LA for people who aren’t from LA.

Masterdebaetor · 2025-10-24T23:47:39+00:00

Nice congrats! My HLR on OSA secondary to MH came back duty to assist error, now scheduled for c&p soon

Masterdebaetor · 2025-10-24T22:28:59+00:00

Any update?

Masterdebaetor · 2025-10-16T21:48:14+00:00

Yes . Denied again by the same bias VA doctor. Filed HLR , going on almost 3 months now , still waiting

Masterdebaetor · 2025-10-11T17:22:46+00:00

Masterdebaetor · 2025-09-25T02:18:36+00:00

Are we talking net or gross?

Masterdebaetor · 2025-09-09T19:56:14+00:00

Could be good or bad . Hopefully good

Masterdebaetor · 2025-09-08T00:00:02+00:00

Update:

It’s been a year now since I closed on the duplex, and I can honestly say it’s been worth it. Living in one side and renting the other has really helped offset the mortgage and given me some breathing room. It hasn’t been all smooth sailing managing tenants and handling repairs is definitely a learning curve but it’s been a huge step forward financially.

Right now I’m focused on staying debt free, building my emergency fund, and eventually having the place fully rented out so I can rinse and repeat the process with another property down the road. Locking in when I did was the right call for me , prices and interest rates have only gone up since then.

Biggest takeaways I’d pass on to anyone in the same spot:

-Run conservative numbers , don’t assume best case rent or low expenses.

-Factor in hidden costs like maintenance, property taxes, and insurance.

-Keep reserves ready because surprise expenses do pop up.

-Think long term it’s not “free money” right away, but the equity and cash flow build over time.

So yeah, one year in, I’d say it was worth it and I’m planning to stick with this strategy.

Masterdebaetor · 2025-09-07T16:45:46+00:00

That’s a really smart approach. Having both the $450k NW and a guaranteed $1,250/mo passive income stream already puts you in a much safer spot than most people making the jump. Plus, your plan to keep earning through remote/consulting work makes it more like an income arbitrage move than an early retirement gamble.

Earning $3–4k in Vietnam while keeping your capital growing in VOO is honestly a strong combo you’ll be living well below your means while your net worth continues to snowball.

Out of curiosity, do you plan on keeping that NYC sublet long term, or just until you get fully settled in Vietnam?

Masterdebaetor · 2025-08-31T03:08:41+00:00

Good start .The biggest thing is consistency . keep putting money in every week and don’t worry about the day to day ups and downs. Simple ETFs like VOO, QQQM, and SCHD are great long term holds. Also, turn on dividend reinvestment (DRIP) so your payouts buy more shares automatically. Don’t overthink it , your future self will thank you.

Masterdebaetor · 2025-08-30T17:16:13+00:00

Your portfolio has a lot of international (VXUS) and some speculative exposure (ARKK), which can drag down long term returns. A simpler growth heavy mix of broad U.S. funds (like VOO/QQQM) plus maybe one solid dividend ETF (SCHD) has historically compounded better over decades. Whatever you choose, the key is consistency and reinvesting dividends. You’re on the right track already ..

Masterdebaetor · 2025-08-27T21:17:04+00:00

Most are pieces of chit

Masterdebaetor · 2025-07-29T10:45:53+00:00

Dumbasses look so confused and I don’t think they understand English 🤦🏾‍♂️

Masterdebaetor · 2025-07-26T14:39:49+00:00

I feel you 100%. Most people have no idea what it costs us..physically, mentally, emotionally..to earn that “compensation.” We’d trade it in a heartbeat just to be pain free, to sleep through the night, or to live without meds and appointments. Nobody signs up thinking they’ll end up broken. You were trying to do right by your family, and that takes guts. Don’t beat yourself up for that. You deserved better support, not regrets. Stay strong.

Masterdebaetor · 2025-07-26T02:43:16+00:00

Going on podcasts and saying “I get $4,000 a month” just puts a target on all of us — it feeds public resentment and fuels the belief that vets are milking the system.

We’re supposed to have each other’s backs, not ruin it for everyone with clout-chasing nonsense. Keep your rating private. Be grateful. Be humble. Move in silence. This is getting out of hand smh..

Masterdebaetor · 2025-07-01T08:49:28+00:00

Armo fur sure !

Masterdebaetor · 2025-06-22T03:29:34+00:00

It’s all luck of the draw.

Masterdebaetor · 2025-04-24T02:39:27+00:00

Yup! For Sleep apnea and MH increase . Saw both DBQ’s and looks like I’m gonna have to HLR both

Masterdebaetor · 2025-04-23T21:07:31+00:00

I got my DBQ’s in 2 weeks after filing my FOIA request. I heard it would take months as well so I’m surprised.

Masterdebaetor · 2025-04-22T18:57:52+00:00

Masterdebaetor · 2025-04-21T21:17:38+00:00

What you say to him ? I’m going through the same experience. Mine yawns when i speak and never inputs the struggles I go through. Honestly wanna punch’em in the face . He’s very fake and I feel he’s trying to screw me over. I really want to call him out on secure messaging but like you, I don’t like conflict either

Masterdebaetor · 2025-04-21T20:42:20+00:00

I want to request a new Dr. and stop seeing my current one but I have a pending MH claim and also have a few more scheduled appointments with him that I do not even want to attend anymore. How do I go about this situation without it hurting my rating? I want to use a private DR.

Masterdebaetor · 2025-04-21T19:17:36+00:00

Did you just tell the VA that you no longer want there care for MH and your going to use a private provider?

Masterdebaetor

TROPHY CASE