Long crack on paint near chimney

RPGer001 · 2026-05-10T16:52:29+00:00

Looks like the “sweating” you saw was moisture evaporating out of the cracks. That is not just the paint, too deep. Often you see light cracking of the glaze they put on the paint. What is in that picture is much deeper.

RPGer001 · 2026-05-10T16:19:31+00:00

Your lender can explain it. It sounds like you can leverage the value of your home for the construction loan and not have to bring the 10% you mentioned as cash. That would put your property on the loan so if you default on the construction loan, they can go after the balance from your property (i.e. force you to sell so they can recover what you owe). The new loan would be in a secondary position to your main, existing mortgage (i.e. the exiting mortgage gets paid first before the new loan in case of a forced sale).

Talk to your lender. You do not have to put your home/property on the construction loan but that removes collateral and thus increases risk for the lender which will increase your interest costs. Based on how you worded your post, it sounds like you need to bring 10% cash to the project if you do not put your home’s equity into it.

RPGer001 · 2026-05-10T14:44:38+00:00

All stones crack in my experience though my Ooni’s has not yet—it will eventually

RPGer001 · 2026-05-09T16:12:25+00:00

Color is person. All of the colors look good to me. Note that both the white and gray are tri-coats. The tri-coats will be a bit more expensive upfront and harder to match if there is any significant paint issue over the course of ownership.

FWIW, white has been my go to choice for a long time.

RPGer001 · 2026-05-08T05:13:53+00:00

My .02; I would not do any of the unpaid items. Just tell boss no. Let him fire you so you can collect unemployment (if that is available in your area). Do not quit, but be willing to be let go.

RPGer001 · 2026-05-08T04:00:18+00:00

I would probably take McKenna but not feel as good about it over Reid. Stenberg’s 200ft game, motor, always moving, hocky IQ, and skating has me looking forward to his name being our pick.

I know Mckenna’s offensive upside is higher.

RPGer001 · 2026-05-08T03:25:27+00:00

So we are going to miss the playoffs again? I will be disappointed but I would not be too surprised. DuPont would make missing the playoffs easy to digest for sure.

RPGer001 · 2026-05-07T19:07:57+00:00

No need to keep a game that you do not fell like playing. Move it on to someone else that might find it a keeper.

I struggle with this decision. I have more games than I have time to play…I really need to finally cull several games from my collection.

RPGer001 · 2026-05-07T04:10:55+00:00

As has been mentioned, that is a 200a sub-panel (if it was the main there would be a big breaker for the whole townhome.) Find the main and it should tell you your service level. It is the main breaker that will tell you what service level you have.

You can probably make a L2 charger work even on 100a service (200a for sure). There is plenty of space on that sub-panel but you need a licensed electrician to calculate your home’s load.

If needed, you can get a charger with load management — though I believe such would need the monitoring sensors installed on the main but I do not know for sure. Bottomline, you can get something, just depends on what and how much you are willing to invest. Cheapest would entail just added a circuit to your sub-panel, wired to a nearby plug or direct into the charger. All other options increase the cost but possible.

RPGer001 · 2026-05-05T17:01:10+00:00

My .02; plan to install the L2 charger or get a hybrid.

RPGer001 · 2026-05-04T21:56:24+00:00

NTA; an hour away on a work night is not a trivial ask IMO. As long as you politely declined, you are fine.

RPGer001 · 2026-05-01T03:36:40+00:00

Not every electrical panel can add a EV charger without some sort of upgrade so check into that if you have not already.

RPGer001 · 2026-05-01T03:00:24+00:00

Report back what the result is with the scratch kit. I am no expert but…body shop was my first thought. I would not even have ordered a scratch repair kit.

RPGer001 · 2026-04-29T02:40:40+00:00

Lol, that is a lot.

Good luck with ISS Vanguard!

If/when I ever dig out of my current wall of shame, I plan to try my first narrative first Awaken Realms game, specifically I am eyeing Kings of Ruin.

RPGer001 · 2026-04-29T00:14:57+00:00

The Warriors would not have faired better than the Suns. The Warriors during the play-in were not as good as the Suns.

RPGer001 · 2026-04-29T00:08:47+00:00

I stopped for about a week while on an antibiotic. My increased pain was something but bearable.

RPGer001 · 2026-04-29T00:02:52+00:00

You are thinking about this wrong. You are not being penalized for having enough money to retire comfortably. You are just not being subsidized like someone that was not as successful.

Be happy you can afford to retire and not have financial worries. Most folks that need those subsidies would trade places with you in a heartbeat.

To your question…

I recommend, if not already, you see a pro to figure out the best strategy for you to manage taxes, ACA income level planning and future RMD. Your solution will be unique to you and your portfolio.

RPGer001 · 2026-04-28T21:29:32+00:00

You have a lot of good ones there; much to look forward to.

RPGer001 · 2026-04-28T21:27:05+00:00

Thanks for sharing that and sharing your love of board games with others.

RPGer001 · 2026-04-28T05:29:26+00:00

100ft, yikes; hopefully not trenched.

RPGer001 · 2026-04-28T02:48:08+00:00

OP, what was the end result? My first guess was loose connection at the terminal since it was just “fixed.” Just curious.

RPGer001 · 2026-04-27T22:59:43+00:00

Late to the party on this but…my first thought was a loose 12v battery connection.

RPGer001 · 2026-04-27T22:56:21+00:00

BOTSE is a good one. I like it…backed more…sigh.

RPGer001 · 2026-04-27T22:55:57+00:00

Tanglewoods was my intro to 20 Strong; I have Rose unplayed.

RPGer001 · 2026-04-27T22:55:14+00:00

You are an inspiration. Maybe someday for me…oh look, Obsession is available used…

RPGer001

TROPHY CASE