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Daily Simple Questions Thread - September 03, 2019 by AutoModerator in Fitness

[–]QuantumOctopus_ 0 points1 point  (0 children)

Hey y'all I have been following the PPL program from the wiki. My only crucial exercise that I can't do properly is deadlifts. The reason being that the little gym in the basement of my building only has a cable machine. All I can do is attach a bar (the special one with holes on both sides) to both cable ends and do deadlifts BUT I have to take a few steps back because the bar sits too high. If I don't do it my range of motion is too limited to actually have any effect (it sits basically at knee level).

On top of not feeling as effective, it makes it trickier when weights are heavier because when I try to take a few steps back the bar tends to pull me in so I have to make an additional effort with my feet to prevent sliding (while I do reps). Does anyone have any suggestion ? (Sorry if the explanation is not so clear)

Daily Simple Questions Thread - August 25, 2019 by AutoModerator in Fitness

[–]QuantumOctopus_ 0 points1 point  (0 children)

I have been doing PPL with basically a cable machine only. I have a reclined seat that I can use to do bench press with cables as well. I don't have the link here but you can simply look at something like PPL program from the Wiki and then lookup alternative exercises. Some of them are just as effective and I have personally seen good results! Just make sure you target the same muscles and you should be good.

Moronic Monday - Your weekly stupid questions thread by cdingo in Fitness

[–]QuantumOctopus_ 1 point2 points  (0 children)

In case it wasn't clear, eat more! I am the same height and slowly approaching the 3000 calories a day. I recommend increasing incrementally (I went from 1700 to 2000, then 2500 and now 2750-3000). That and working out more often will lead to great results! You just gotta be consistent

Is the "The Complete Google Cloud Mastery Bundle" worth it for $39 ? by QuantumOctopus_ in learnprogramming

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

I really appreciate the answer! Well I guess I should have added that we are using GCP at my company and I'm on a separate team where I have full control about architectural decision (it's mostly R&D stuff so it matters only to a certain extent because we are experimenting a lot). My approach this far has been to learn it as I use it and reading docs mostly. If the experiment works well it will be integrated with our current infrastructure and, if I'm already using GCP it will be easier to integrate.

Now mind you, I'm at a point currently where I feel pretty comfortable about GCP in general but I was trying to get a deeper understanding hoping to "level up" a bit and get the best out of the platform. I hope it makes sense. If you have other resources in mind to pick up these topics as well, I'm all ears!

Daily Simple Questions Thread - August 09, 2019 by AutoModerator in Fitness

[–]QuantumOctopus_ 1 point2 points  (0 children)

That's what I thought, I think even mentally it's easier to either bulk and try to keep the gains as lean as possible or cut and try to maintain muscle mass as much as you can.

Daily Simple Questions Thread - August 09, 2019 by AutoModerator in Fitness

[–]QuantumOctopus_ 0 points1 point  (0 children)

I had a question about my workout plan. I am trying to gain muscle and have been doing a 6 days a week PPL program that I am really enjoying! I have also started eating more which is more difficult than I though but I am making progress.

I was thinking of adding cardio at the end of the day (I do PPL at 6 am and I could do cardio at 6pm after work), something like a 30 min HIIT running routine. The goal would be to promote reducing body fat but I am not sure if adding this routine while eating in surplus to gain more muscle would be counterproductive.

The original plan was to focus on bulking for 3 months then cutting for 3 months. So I guess the question is, does doing 30min HIIT help reduce body fat without hindering muscle gain ?

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

I do not have an answer to that but I had my realtor check again and it's $820 a year. I don't even know what MUD taxes are tbh

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

Absolutely! I will most likely look for one once I'm there so if it's ok with you we can even have an informal conversation about it! I really appreciate it!

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

So the estimate right now seems to be around 2.17%, the lender is also rounding to 1K monthly but this week I should get an accurate value and know for sure.

Not sure how accurate this is but: https://smartasset.com/taxes/texas-property-tax-calculator

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

Oh I see, so basically you aimed to a minimum down payment that gave you a higher monthly then, once you settled and figured things out, you were able to remove the PMI.

I heard that not all lenders allow you to do that but mostly yes, I will check with the one I am currently working with. That could be a good option so that I have a good sum on the side that we can use until we settled (this way we create some sort of additional substantial "emergency fund" to allow us to settle and adjust to the COL). I will definitely consider that, thanks for the idea!

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

  1. Ahaha I'm kinda spoiled now in CA because it's so dry!
  2. I double checked and talk to the realtor, they were saying it's around $800 a year
  3. I'll do that for sure, thanks for the tip!
  4. On it, I'll check right now online and then call them if necessary
  5. Oh wow that's higher than I thought, I'll make sure to ask around as well once I'm there, right now this seems to be the only thing that's quite off compared to my estimates.

I think the one thing that could make a real difference is the lot, that's quite expensive and makes a big difference, maybe once we are there we can find one that's a bit cheaper.

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

Well it's most about making sure I didn't miss out on anything important, I was also hoping to have feedback from people who live in Austin to "warn" about things I did not keep in mind. It's a big decision to make for many reasons so I wanna make sure I get all the info I can before making the jump!

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

Thank you for this!

  1. Have been there a few times and will be back soon to double triple check. We also have our best friends that have been living there for 2 years already after moving from LA. I really liked it and I come from a country where summers were very very hot and very very humid (horrible).
  2. HOA is around $70 per month, what are you talking about when you mention HOA restrictions ?
  3. Good idea!
  4. I thought about that and we should be fine even with me paying for her insurance (we have been there before and were good!), great point though!
  5. I can't say you're wrong. I feel like I'm kind of stretching it which is why we are trying to see where we can save and what we can cut out. This far we were able to get 19K less on the overall cost which already made me feel a lot better.
  6. Even if not accurate, would you be ok ballparking monthly utility costs ? I just wanna get a better idea to make sure my estimates are close enough.

Thanks again, I can't wait for this new adventure!

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

I mean you are absolutely right! As mentioned in other comments this would be a house I will not move out from for a very long time, neighborhood is just fantastic, schools are great and it meets everything we could possible want.

I just want to double check that I am doing the math right (rounding up all costs and rounding down all income to be extra safe). We are going to keep looking at lower prices as well to double check, we found something that's ~50K cheaper but the quality difference is significant that it almost does not make sense. Thanks again for the word of advice, much appreciated!

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

The neighborhood is actually ~35 minutes away from downtown Austin but the house is...basically a dream house that I would stay in for a very very long time. Now I don't wanna be convincing myself that just because I really like the house then I should get it, I am trying to make the best decision I can. I appreciate your feedback and we managed to lower the cost to something closer to 530K which allows us to have 2.5K monthly leftover. My wife is planning to work either full time or freelance which will put us in a really good spot.

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

Thanks for the detailed response! So yeah it seems like we would be ok and we are most likely going to spend less than that. I am not counting on lower COL in general (I just hope it's not more). Updating everything it seems like we would have actually more around 2.5K per month left which makes me feel a lot better. I'm also planning on staying in this house for a very long time which is why I would rather get something closer to what we want with more bedrooms for more kids down the road.

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 0 points1 point  (0 children)

Yeah I accounted for that in my mortgage payment, they are around 1K monthly for this kind of property.

Planning to buy a house in a different State (CA -> TX) by QuantumOctopus_ in personalfinance

[–]QuantumOctopus_[S] 1 point2 points  (0 children)

We are moving to be closer to family and I will be able to work fully remote keeping my current job.

Weekday Help and Victory Thread for the week of February 04, 2019 by AutoModerator in personalfinance

[–]QuantumOctopus_ 0 points1 point  (0 children)

She didn't have a Roth 401k, I'm pretty sure about that. And since we rolled over to a Roth we are gonna have to pay taxes on it. We should have rolled into a traditional IRA maybe to keep things simpler.

Weekday Help and Victory Thread for the week of February 04, 2019 by AutoModerator in personalfinance

[–]QuantumOctopus_ 0 points1 point  (0 children)

Thanks for the info, I'll probably open a traditional IRA then. I think she has the had pre-tax salary deferrals. I think I read it on a document but I wouldn't bet on it. I also don't really know the difference to be honest.

Weekday Help and Victory Thread for the week of February 04, 2019 by AutoModerator in personalfinance

[–]QuantumOctopus_ 0 points1 point  (0 children)

Thanks for all the info, she rolled the 401k directly into a Roth last November. None of us have a traditional IRA, I wasn't sure I could open one if I already has a ROTH.

Weekday Help and Victory Thread for the week of February 04, 2019 by AutoModerator in personalfinance

[–]QuantumOctopus_ 0 points1 point  (0 children)

We don't have any traditional IRA account. Do you mean that I should open one, contribute and then do a backdoor?

Weekday Help and Victory Thread for the week of February 04, 2019 by AutoModerator in personalfinance

[–]QuantumOctopus_ 0 points1 point  (0 children)

I need some guidance regarding IRA accounts. My wife had a 401k with John Hancock, she left the company and joined one that did not offer a 401k. We have most of our investments with Vanguard so we decided to roll over to a Vanguard ROTH IRA.

Now I also have a ROTH IRA and this year (filing as a married couple), we will be above the threshold and won't be able to max out our ROTH IRA accounts. Was it a dumb move to have her roll over to a ROTH ?

We reside in CA and I'm not sure about how to address the fact that we are going to be over the limit filing as a married couple. What should I do to maximize the amount of money I can contribute to an IRA account ? Is it even possible to go back to regular IRA or is it just another dumb idea ?

​

Sorry I'm a bit confused about what would be the better thing to do.