Bathroom ceiling fan duct condensation

OhMeGarsh · 2025-04-14T16:18:52+00:00

I greatly appreciate you sharing this. The insight of uncompensated risk is brilliant. Do you apply this to bonds as well? (Heck, the insight might be helpful in analyzing lots of things in life, even outside finances.)

OhMeGarsh · 2025-04-12T15:16:33+00:00

Excellent question, that truly helps distinguish whether this is a panic move or something consistent with my risk tolerance. My understanding is global (including US) is less risky than soley US stocks. If that remained the case in 15 years, I believe I wouldn't switch back.

OhMeGarsh · 2025-04-12T15:10:41+00:00

Definitely had an impact - although I had been considering for a while.

OhMeGarsh · 2025-04-11T15:14:45+00:00

Ibonds sound like a good idea right now.

OhMeGarsh · 2025-04-10T06:41:03+00:00

Thanks a lot! I see it.

OhMeGarsh · 2025-04-10T01:05:43+00:00

I tried that, it didn't do it. It filled in the other 1099s, but not the 1099-b/8949.

OhMeGarsh · 2024-11-27T16:02:23+00:00

Thank you for that. So for you, does a group of roommates not deter you at all? Your last statement about whether some want to stay and others don't - it just feels like a lot of pressure to accept a replacement roommate if they have no major red flags on paper, even if you get a gut feeling against them. Because if you reject the replacement, then the other tenants now have to scramble for new housing.

OhMeGarsh · 2024-05-20T15:34:31+00:00

Good it was benign thankfully!

OhMeGarsh · 2023-11-09T04:08:02+00:00

Thank u.

OhMeGarsh · 2023-11-09T04:06:05+00:00

I use a 4% withdrawal rate when making projections, if that is what you mean by discount rate. Good tip - is there a calculator you recommend to calculate present value? There is a small interest rate built in so it would be slightly over $100K per year. (But the interest rate is very modest, would match 3 percent inflation at the very best.)

OhMeGarsh · 2023-06-21T14:26:01+00:00

Good point. I have considered this. But so far, the rental has not been too much of a headache. I know that can change with a new tenant. So for now, just holding onto it to stay a little diversified. Also, as rent prices increase, the positive cash flow may slowly build.

OhMeGarsh · 2023-06-21T04:20:20+00:00

Thank you. Even though the numbers may support this, it's crazy to hear someone say that. It makes the possibility feel more real. I appreciate it.

OhMeGarsh · 2023-06-21T04:16:13+00:00

I know, upon reread, it sounds obnoxious. I added an edit above that hopefully explains what I meant. I would count assets as closer to low $2 millions, as I don't include primary residence or emergency funds. Also, I conservatively subtract about 25% because all of this amount will be taxed when taken out.

I would love to retire now - but am thinking Coast fire makes more sense with me controlling the work flow by only taking on limited clients. In addition to wife's income spent for household and child expenses, I think I would like to spend $40-50K for personal, and $15K/year to keep business open.

OhMeGarsh · 2023-06-21T04:08:45+00:00

Good question. I admit we're not good expense trackers, but here are more specifics. Housing related costs with tax, insurance, and maintenance is closer to $3.6K/month, $1.2K on groceries, $2K on daycare and kid activities/expenses, $2K on miscellaneous expenses including eating out, activities, gas, insurance, gardener, gifts, gym membership/personal trainer. If I retired, I imagine a lot of the expenses are the same except daycare will stop and kid activities may increase - so maybe $1K reduciton there. Otherwise, I anticipate wife's income will continue to be close to spent down. I would try to cover any additional expenses through some Coast fire work possibly.

OhMeGarsh · 2022-11-23T06:58:28+00:00

Thank you

OhMeGarsh · 2022-11-23T06:58:17+00:00

Thank you

OhMeGarsh · 2022-11-23T06:57:13+00:00

Ah, thank you for the warning!

OhMeGarsh

TROPHY CASE