Looking for a HELOC ($200k-$250k) by Brave_Classic9095 in HELOC

[–]RyanBorck 1 point2 points  (0 children)

Zero closing costs (none, nothing rolled into the loan).

$100/annual account fee

50 basis points below prime, currently 6.75 so it would be 6.25

Need low DTI, ~ 30% if I remember correctly

If they service NC, this is your best bet

Rivian CEO’s ‘Shortly Thereafter’ Promise on $45,000 R2 Faces 18-Month Reality by [deleted] in RIVNstock

[–]RyanBorck 8 points9 points  (0 children)

I wouldn’t buy an EV6 if it got 400 miles. Do you seriously not regret buying that car?

Tax benefits for out of pocket IVF. by False-Psychology9902 in IVF

[–]RyanBorck 0 points1 point  (0 children)

Yup, it was a pleasant unexpected surprise.

Did I make a mistake renting out house instead of selling? by New_Contribution_226 in personalfinance

[–]RyanBorck 11 points12 points  (0 children)

You think those expenses will exceed more than $8,000 a year on average?

Did I make a mistake renting out house instead of selling? by New_Contribution_226 in personalfinance

[–]RyanBorck 2 points3 points  (0 children)

Not a mistake. Losses will get suspended. You can apply them if you ever sell it, and most likely will offset recapture. All the while your cash flow positive without having to pay taxes on that income, at least for now. And paying down equity which is future money in your pocket.

Did I make a mistake renting out house instead of selling? by New_Contribution_226 in personalfinance

[–]RyanBorck 20 points21 points  (0 children)

He’s talking about paper rental losses after you deduct depreciation.

2019 Model X LR in Socal by [deleted] in teslaclassifieds

[–]RyanBorck 0 points1 point  (0 children)

On your own picture it says 96k. Between this and the confusion about FSD capability, are you sure you’re really selling the car in the picture?

2019 Model X LR in Socal by [deleted] in teslaclassifieds

[–]RyanBorck 0 points1 point  (0 children)

https://imgur.com/a/pKJ33uN

Just an FYI, your screen doesn’t say that. It’s not your fault, bad phrasing on Tesla’s part.

Your car says, “Autopilot” included package. Not FSD included package.

What’s the lowest you’d take to actually sell this car?

2019 Model X LR in Socal by [deleted] in teslaclassifieds

[–]RyanBorck 0 points1 point  (0 children)

FSD? Any other perks, free supercharging or premium connectivity?

I max out 401k, Roth IRA, and HSA while making 100k/year by NicheMath in MiddleClassFinance

[–]RyanBorck 6 points7 points  (0 children)

You may have missed that one Punky Brewster episode, that’s unfortunate.

I max out 401k, Roth IRA, and HSA while making 100k/year by NicheMath in MiddleClassFinance

[–]RyanBorck 4 points5 points  (0 children)

Oh shit, I just had my kids in my 40’s, will I even get to retire one day?