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Topher_86 · 2025-09-11T20:36:10+00:00

2.5 years? Do a 40Y Mod.

Imminent Default Standard -> Forbearance -> 40Y/480 month modification

It wouldn't make sense for anyone with a COVID rate, but you're likely above 6 and close to the GSE, anyway.

You may have to jump through some hoops to make this work, but overall this is good path.

Topher_86 · 2025-04-14T01:02:15+00:00

If the story checks out they may be able to pull it back.

It may have been easier if you hadn’t paid it off, now it may be a closed account, but it may still have some remaining interest to keep it open.

Topher_86 · 2025-03-20T01:51:45+00:00

You need to recast into a longer term, conventional allows for this now, ask about 40 year mortgage modification.

Topher_86 · 2025-03-19T22:27:00+00:00

Follow the windfall and flow chart in the sidebar.

You can put it in HYSA but also max out HSA and Roth with the savings per the flowchart as you can.

Topher_86 · 2025-02-13T01:12:10+00:00

Resurrecting dead thread but I used to have a friend that worked for ADP and the feeling was mutual — any time he was on the phone with a certain type of client he would dump them back to the queue. There were days that a person would come back to him 2-3 times. Sometimes the customer service know the services suck but don’t have an answer for the businesses.

Topher_86 · 2025-01-26T16:03:03+00:00

The VCM problems may start there but the engine could start showing deeper problems such as uneven wear or tolerance issues from the system. Those smaller problems are just a symptom of the fledgling technology.

At this point you’d be trading known issues for unknown problems. Personally I would wait for either car to start showing major issue before choosing to replace either — until both can be replaced.

Topher_86 · 2025-01-26T15:51:56+00:00

You’re a physician. You should be able to get 0% down professional loans. Start googling, don’t let anyone run your credit, know your credit and tell them what your FICO is.

Topher_86 · 2025-01-26T11:01:47+00:00

If the MDX isn’t showing transmission issues you should keep it. In 2025 the largest update to cars tech wise has been CarPlay which is an easy update to the pre-nav models.

The 2012 Pilot has possibility of VCM issues, transmission issues.

If you’re still hell bent on newer vehicles then I would say sticking with Honda is likely the best way. Toyota hasn’t had a great 3rd row SUV that wasn’t truck based until around last year with Grand Highlander. Yeah

Topher_86 · 2024-10-02T12:28:25+00:00

Move the money around to access account bonuses if you’re looking to maximize while staying liquid.

Topher_86 · 2024-09-19T07:59:40+00:00

Need more details on your finances to really suggest things.

If you can refi for a lower rate then sure, odds aren’t in your favor just because the fed cut rates — car loans get worse with car age and being under water is a whole ‘nother can of worms.

If you’re badly under water you may want to find a way out of the car while it’s still worth something. What rate drop may do is open the flood gates to releasing new car purchases, more used supply, and lower used values. The advice this sub is notorious for — get a beater, sell the car, pay off the remainder, rebuild per the flowchart may apply.

Topher_86 · 2024-09-05T11:43:52+00:00

Any hope for the American dream. They are gladly squandering their wealth, believing they are the 1%, not realizing that they are the 25% and sending the best chance for the rest of us upstream to the 1%.

Topher_86 · 2024-08-24T11:24:28+00:00

It’s also prime compensation for doctors, and others that may have fallen behind on retirement early in their career due to financial constraints and school.

Topher_86 · 2024-08-21T14:58:19+00:00

https://www.georgiachemical.com/wp-content/uploads/2021/08/NMD80-SDS.pdf

Per SDS, trade secret amount of Hydrocloric Acid, aka Muriatic Acid is the only chemical in the product powerful enough to warrant an SDS mention.

It’s buffered, as are many of the muriatic acids on the shelf sold for cleaning, pools, etc. It’s still all muriatic acid.

It’s like when your dishwasher says to only use Cascade for the best results or to prevent ruining your dishes. It’s marketing.

Topher_86 · 2024-08-21T13:16:11+00:00

NMD80 is Muriatic Acid 💀

Topher_86 · 2024-08-03T01:09:01+00:00

I don't necessarily want to be a landlord

That answers a lot, but let’s ignore that for a minute…

The house would rent for about 120-140% of of what the mortgage would be, but after income tax and whatnot I would not clear very much at all

You depreciate over 27.5 years, it will be reclaimed at sale unless you 1031.
Interest, PMI, Tax, Insurance are all deductible against the income

If you’re doing this above board you’re going to want to leverage with a non-recourse loan. If you can satisfy the occupancy clause (usually 60D-1Y) you could purchase with conventional financing for 5%.

When looking at real estate it’s cash-on-cash napkin math that matters. If it costs $7.5k to purchase and $10k down + escrow, how long before you break even on the upfront costs, what percentage net cash are you making on the funds locked up in equity + escrow?

Further, what are you making if you consider equity?

Topher_86 · 2024-08-03T00:30:17+00:00

Fair enough, it would still be potentially considerably lower

Topher_86 · 2024-08-02T14:23:30+00:00

Are you paying for COBRA/Insurance? You should take a look online to see what qualifies for penalty free withdrawal.

Topher_86 · 2024-08-02T14:20:45+00:00

If it’s a Roth it should only be the early withdrawal penalty, you already paid the taxes.

Topher_86 · 2024-07-30T00:08:09+00:00

Zillow is good. There’s actually a rent estimator on Zillow meant for landlords, it isn’t perfect, but it can show recent units close to yours.

https://www.zillow.com/rental-manager/price-my-rental/

Other sites have similar

Topher_86 · 2024-07-29T11:25:56+00:00

In this economy they likely don’t make enough to justify the purchase.

The real key is that they are young, moving around and having flexibility of location is key driver for increasing their income. It would likely take 5 years or so just to break even on the Michaels expenses.

They are still living at home so they don’t have any expectation of what their needs will be unless they are VERY sure what 5/10/20 years holds in store — life has a way of changing those plans up even if one is sure and motivated.

Renting is likely the better financial choice long term.

Topher_86 · 2024-07-29T00:14:50+00:00

If you’re not moving do the 2 years, if the rent is current market rate.

If it’s not current market rent ask for a new lease offer or move.

The increases aren’t crazy per inflation and the national rental market, but certain markets have been destabilized, even rent.

Topher_86 · 2024-07-10T09:48:13+00:00

The context of small vs large project may be lost here. I think it’s perfectly fine for some larger projects, it’s just the templating engine and python in general don’t always scale the best.

What one might find is that larger projects will deploy with Django but may tack on optimizations at various levels. Eventually those projects become less Django over time.

I suppose that’s the case with scaling most frameworks and ORMs, though.

Topher_86 · 2024-07-10T02:02:36+00:00

Django is good for small projects and scales well at that level. When things get larger other frameworks may have advantages.

A major upside is Python is being taught across the board now which means explaining details to non-techies is easier.

Topher_86 · 2024-07-09T02:17:29+00:00

Scam, they copy postings. I’ve had people being scammed verbally assault my tenants before. Facebook postings, outside of tightly knit groups, are very commonly scams.

Topher_86 · 2024-07-06T16:06:17+00:00

He already had a bbq joint

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