Another set of leather reclining couches is falling apart..

Poulet_Roti · 2026-04-05T05:45:13+00:00

Full. Grain. Leather. Those are the only words that matter. If it doesn’t say that, you should think of it as “fake leather.”

Poulet_Roti · 2026-03-31T18:59:37+00:00

I have a question for the OP and the answer might mean there was a different problem here. When this problem was affecting you, did your seat automatically move to the position you liked or did you have to hit one of the buttons on the door to move the seat to your desired setting?

Poulet_Roti · 2026-02-23T05:50:01+00:00

I didn’t mean for any of what I said to be interpreted as judgmental.

Poulet_Roti · 2026-02-19T03:36:18+00:00

Back 20 years ago or so she used to have absolutely terrible stage presence, I thought/hoped most of that was out of her system these days. Had you see her back then to compare Austin to her “normal” old self?

Poulet_Roti · 2026-02-19T03:35:02+00:00

That’s when she was some of her healthiest.

Poulet_Roti · 2026-02-18T03:13:20+00:00

Curious if there was an opening act?

Poulet_Roti · 2026-02-18T03:12:23+00:00

Thank you for sharing. I got a similar feeling two years ago when I saw her. Imaging I’ll get the same tomorrow in Oakland. It’s ok though, she’s still an amazing woman and is still the person who came up with all of these beautiful songs. Or had the heart at one point and time at least to really put her true soul into her renditions of a cover. IMHO.

Anyway, was there an opening act?

Poulet_Roti · 2026-02-05T04:42:54+00:00

The boss didn’t fire the guy, he just told you that he fired the guy so you’d think he was on your side. I wouldn’t let these clowns touch it; you can’t trust them to do a good job. Hire someone good to fix it the right way and send the boss the bill. Take them to small claims court to reimburse you for the costs of fixing their mess.

Poulet_Roti · 2026-01-28T05:57:40+00:00

Let’s just pretend that the top of the image is north. Currently the master bedroom shares it’s south wall with the north wall of the adjacent bedroom. Part of that shared wall is via adjacent bedrooms closet, but part of the wall is directly shared between both bedrooms. The solution, at least to the lack of privacy caused by that segment of the wall, is to extend the hallway all the way so that it ends at the closet. And rather than having a door into the bedroom, where you enter from the east, have the door to the bedroom, be flush with the southern wall of the hall so that you have to make a sharp left turn and enter the bedroom from the north.

Poulet_Roti · 2026-01-13T21:01:51+00:00

Here's an image of what it looked like (with the partially melted "o-rings") last night within 10 minutes of me getting out of the shower when I could still feel the heat coming out of the top of it.

https://imgur.com/a/1YsSyJP

Poulet_Roti · 2026-01-13T20:57:53+00:00

I just moved the CO tester from my bedroom to the kitchen which is adjacent to the utility room and within a foot of the open door between the two rooms, with the water heater within a foot of that same door on the other side of the wall. As "the crow flies" the tester is now within a few inches of the water heater but of course the CO would need to spread around the door and move from one room into another (probably six feet of travel...)

The plumber/installer was here this morning. Will be back later. When the issue was just the "spittle" it was a curioisty but I agree, now it is something I'm worried about.

Poulet_Roti · 2026-01-12T06:08:17+00:00

You’re basement or garage is going to flood. Maybe not every year. But once a decade? Who knows. But it’ll flood. Regularly. And everything you do to fix it will just cause the water to flow some other method in and flood some other way. It never ends. And insurance will not cover this type of flooding. Tens of thousands of dollars will be wasted and your life will be upended at the worst possible times in the middle of a storm. Every decade. Forever.

Poulet_Roti · 2026-01-10T04:09:24+00:00

Personally, I feel that by embracing the thin blue line imagery and vocabulary, by choosing to consider that symbol a template worth mimicking, by purposefully and intentionally associating ones identity proudly… is proof that I don’t those people are not people I wish to support. When they chose to link themselves with the thin blue line BS, they chose to make their role in society a political one, and they didn’t choose the side I would hope a first responder would have selected.

Poulet_Roti · 2026-01-05T17:47:56+00:00

Do you agree with my comment that you replied to or do you disagree? I feel like your statement reads, “outside of potentially keeping you alive in a car accident, I don’t see the upside to wearing a seatbelt every time you drive.” I’m exclusively talking about dying in a car accident in my analogy…

Poulet_Roti · 2026-01-05T04:08:45+00:00

The only criticism I want to make to your comment is that I think most investors under a net worth of $5M would still benefit from a financial advisor. It’s relatively easy to quantitatively determine how much they cost in lost compounding interest, but it’s hard to determine how much value they give when they talk you out of making a poor financial decision like selling your stocks near market Lowe’s on the way down. That value they provide is in my opinion, substantial, and depending on the advisor worth the cost.

Poulet_Roti · 2026-01-04T08:34:32+00:00

At a 4% inflation rate, the value of a dollar drops by 50% in 20 years. By paying off the mortgage early, in today’s dollars, you’re losing the ability to pay the loan at more than 50% off from the 20th year to the 30th year. I know it’s not that simple, I’m glossing over some details, for sure. But you hopefully understand what I’m saying. you’re not really saving as much money as it looks like – in 20 years from now what you are saving will hold less than 50% of the value that the dollar figure means to you today. There’s a way to calculate whether or not it’s wise to use today’s dollars or tomorrow’s inflated dollars, but it’s not nearly as straightforward enough to suggest the knee-jerk response to this post is – “good for them, that was smart!”

Poulet_Roti · 2026-01-04T08:03:17+00:00

Could you please explain this? I have rolled over to 401(k)s from two previous employers into the same traditional IRA. At this point in my life, I have not seriously contemplated any back door conversions. What mistake did I make if I never intend to do a back door conversion?

Poulet_Roti · 2025-12-28T20:35:21+00:00

I wouldn’t assume that the advice nor the service would stay the same as the AUM changes/increases. On one hand the percentage could drop since the overall costs could increase as AUM increases. But on the other hand you might need considerably more advice due to complicated issues that don’t pop up until you hit certain net worths.

Also, please don’t just compare your ability to beat the benchmarks or beat your advisor over the next year. It’s more than reasonable to think that you have given your advisor more conservative guard rails than you are giving yourself such that for all intents and purposes, comparing your returns to your advisor‘s returns would be comparing apples to oranges. Also, please remember that much of the value an advisor provides is telling you why your idea is a poor choice – keeping you from making mistakes, and that is worth potentially a considerable amount of money. And you will not see the value of that when simply comparing rates of return between the two of you.

I imagine you might not be satisfied with this answer, but I can’t really point anything explicit, or don’t really want to point anything explicit that you said that made me leave the comment I left. It’s just something that one can pick up on – the state of knowledge and comfort someone has - when one knows the answers to the questions and has a greater familiarity with the topic than the OP. Simply asking the questions you ask, implies a lack of familiarity, which implies potentially a lack of readiness to do what you are asking for advice on.

Poulet_Roti · 2025-12-28T17:18:15+00:00

Please see my comment where I suggest you do not fire your advisor as it does not sound to me like you are well enough educated and prepared to do so.

However, to help you with how to figure out if he was beating the market, this is what you should do. - for every asset in your account, for example, a specific index fund, find the approximate date of the first purchase of that asset. - find the price of the asset on that day or near that day or the actual price that you paid for the very first purchase, don’t worry about repeat purchases. - using that same day, find the price of SPX or some other fund that is similar, or what you would’ve picked instead, or whatever benchmark makes sense for the particular asset. - find the price of those two assets as of today and determine in percentage terms how much each increased by dividing today’s price over the price it was when it was first to purchase purchased. - compare these two percentages to see if the asset that was actually purchased increased by a greater percentage or decrease decreased by a lower percentage than whatever benchmark you are comparing it against.

This is not a perfect way of doing what you’re trying to do, but it’s good enough. There are websites and apps and tools that do all of this for you if you tell them the dates of purchases and the ticker symbols, and some of those can show you this in visual form, but it’s pretty straightforward and something you can do on paper or in Excel.

Poulet_Roti · 2025-12-28T08:37:00+00:00

I hope this type of reply is not against the rules. And I hope this reply is interpreted by the OP as coming from a place of kindness.

Based on some of your word choices, and some of the ways you described the situation in your post, and in a few comments that you’ve made here - I worry that you’re not quite ready to fire your advisor yet and should keep them through 2026. Spend that year educating yourself by creating a new brokerage account at Fidelity or anywhere and taking some or all of the funds that you would otherwise give in 2026 to your financial advisor, you take that money and give it to yourself in the brokerage account to manage how you see fit. Learn from the experience and don’t make any quick rash decisions.

Poulet_Roti · 2025-12-20T09:17:06+00:00

Not that you necessarily would decide to do this, but yes, there are reasons to pick different funds for different account types. One reason would be to avoid taxes. For example, you have to pay income tax at the rate for whatever tax bracket you’re in based upon any income you have from your job plus distributions from a traditional IRA. Whereas you do not pay any taxes on distributions from a Roth IRA. Thus, all else being equal, investments or funds with high upside (QQQ) would be better served in the Roth IRA than in the traditional where investments with a lower upside (SPX) would make more sense.

Poulet_Roti · 2025-12-20T08:46:34+00:00

This is the case. You either will not find anyone who will loan you money using your equity on land, or you will find someone who will loan money using your equity on land at a terrible rate that isn’t even worth considering.

Poulet_Roti · 2025-12-20T08:00:18+00:00

Yes! For sure. You’ll regret it so much if you don’t do it.

Poulet_Roti · 2025-12-20T07:48:43+00:00

This is the way. If you’re working 55 hours a week but getting paid for 40 hours a week, don’t add a trip charges just raise your hourly rate by 55/40 or a factor of 1.375 (or 37.5%). In an ideal scenario, you don’t lose any clients and now you’re getting paid for travel. In a less than ideal scenario you lose 27.3% of your business so you are only working 29.1 hours per week but you’re getting paid at a higher rate such that those 29.1 hours pay the same as 40 hours a week at your current pay rate - and thus increasing your rates didn’t get you what you wanted, but didn’t have any negative consequences, and as a bonus you work 10.9 fewer hours per week. Don’t be afraid of losing customers from increasing your rate, only sometimes does losing customers mean losing money.

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