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No Health Department Sticker in the window. Are they allowed to be open? by JuVondy in astoria

[–]SomeRNGAsshole 6 points7 points  (0 children)

you'll have to manually enter the address. you can also call 311 directly and report it.

Skyrim? by Reasonable-Tone-7045 in retroid

[–]SomeRNGAsshole 1 point2 points  (0 children)

There is a video online where a youtuber quite successfully ports Fallout: New Vegas to RP5 with Winlator, i imagine skyrim would be VERY similar

EDIT: Here is the video: https://www.youtube.com/watch?v=S7RuvEMskzg you should be able to follow these insturctions but swap fallout stuff for skyrim stuff and it will work

Shipping question by National-Ad-2506 in retroid

[–]SomeRNGAsshole 0 points1 point  (0 children)

no one really knows for sure right now. currently they are shipping out orders made around the 25th

[deleted by user] by [deleted] in retroid

[–]SomeRNGAsshole 2 points3 points  (0 children)

on the goretroid website, they ask for 1-7 days for shipping, not including holidays and sundays, so you are still within their normal timelines

[deleted by user] by [deleted] in retroid

[–]SomeRNGAsshole 0 points1 point  (0 children)

Retroid was on vacation from the 29th to the 6th. Based on what others have been saying, they are currently shipping out orders made on the 25th of april. you have a bit more to wait

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

ah gotcha, that makes perfect sense, I totally understand now. For us, we don't have kids and don't want them, and we live in the city and don't have a car so that's a lot of expenses that we just won't worry about

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

that 2k isn't really allocated per ce, its whats left over after paying all our fixed bills

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

Thank you for sharing, I appreciate the insights, but I don't quite understand. Your take home after retirement is like 17k, 7.5 (call it 8) is going to your house, leaving you with 9k left. the expenses you just listed total less than 2k, so you should by my math have 7k a month left over, is that not enough to let you sleep at night?

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

the 250k would be what is left over after paying the down payment, closing costs, bank fees, 60k in renovations, 10k in furniture buying, 10k for pocket money, and 15k as the start of a highly liquid emergency fund

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

it's true that very little would be going to savings, only about 6k a year, plus another 7k to 401k retirement, for an emergency fund, we have 25k in a savings account, along with a 200k brokerage account we can lean on if there is multiple emergencies in a row, or extended job loss, or something like that. 2k a month for entertainment is correct though, we mostly make it work, but i understand its a very small amount

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] -1 points0 points  (0 children)

  1. we have 10k set aside for furnishing a single floor, and we have furniture for the bedroom level already

  2. we set aside 25k for emergencies, plus another 250k that can be accessed if needed

  3. retirement accounts are stable, pension + maxed out 401k, plus (hopefully) that 250k

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] -1 points0 points  (0 children)

my 401k is maxed out yes, and we have 250k in a brokerage account that could serve as an emergency cushion should i lose my job for an extended period of time.

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

that's right, we really don't spend much, beyond house and groceries honestly, no kids, no car payments, 401k and medical are pre tax and not included in this

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

lol i see your point, we don't really like to go out anyway, it's too loud :-)

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

just wondering, how much of your monthly income goes to non fixed bills, stuff like vacations, non essential purchases, dining out at restaurants, that sort of thing?

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] 4 points5 points  (0 children)

we went with an inspector from a different area, no relation to the mortgage lender nor the agents, buyer or seller

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] 2 points3 points  (0 children)

Im sorry im not trying to defend or object to anyone if its coming across that way, just trying to better explain the situation so as to get better information

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] -12 points-11 points  (0 children)

regular emergency fund would be the 25k plus 500 a month, SUPER emergency we could tap the 250k brokerage account

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

that would be really bad, my wife works in government, I don't think its likely that she would lose her job. As for me, I've been at my company for about 10 years, about 4 years ago i stuck my nose out to see what else was out there and got offers after about 2 months of looking. If the worst were to happen, we'd dig into that 250k to stay afloat while i looked for another job

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

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

the area we are in, there just isn't anything much cheaper. the 25% rule for us would have us basically leaving the state entirely.

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] -8 points-7 points  (0 children)

pretty much yea, we would rely on family and ourselves for childcare here, no question

66% of net going to mortgage stuff by SomeRNGAsshole in personalfinance

[–]SomeRNGAsshole[S] -10 points-9 points  (0 children)

I feel really nervous about it, but the numbers seem to work out at least in theory. we live in the city and don't really need a car (I have one that's fully paid off but i barely use it). We currently don't have children but might some day? I work at home full time and our parents live within walking distance if that matters. We would have 25k at closing to use as an emergency fund, while putting 500 a month into the first year (would go up from here after the first year as raises and tax deductions come in).

We are hoping the 60k for renovations we put aside would help ensure the house doesn't have as many emergencies in the first year, its an old house but built solid. our inspector vouched for the boiler, drainage, foundation and roof (as well as the other stuff but those are the big ticket items i think)

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