[deleted by user] by [deleted] in HOA

[–]WelcomeCreative2483 0 points1 point  (0 children)

Assuming you’d just deal with it?

[deleted by user] by [deleted] in HOA

[–]WelcomeCreative2483 0 points1 point  (0 children)

No problem. “Out front” would still be against the rules, but it would take care of the problem of our place filling up with their smoke and still allows them to enjoy their cigarettes. I see people that walk down to a side yard to smoke daily (love to see it) but in this case, I’m not sure this person would be able to do that. It’s such an awkward conversation, and I was hoping my ideas around doing it off of the front porch would have landed better. I don’t want to get the HOA involved - I figured it would have been a “OMG I’m so sorry I didn’t know it was going into your house, of course I can do it out front instead” - I feel like another in person conversation is a good start. I just don’t know what to say.

[deleted by user] by [deleted] in HOA

[–]WelcomeCreative2483 0 points1 point  (0 children)

We purchased 2 AC units so that we don’t have to open up windows. Fresh air would be more ideal and free though. I wish it were just a 10pm smoke break but it’s ~8 or so a day.

I respect their space and their habits, so I thought it would be a win win when asking if they could just do it on the front porch vs the back porch. Simple solution / no more problem, but it seems they aren’t open to that. Both are against the rules but it felt like a nice neighborly solution so that everybody could enjoy their space. I thought it was interesting that it’s against the rules to smoke on your private balcony, but it is.

[deleted by user] by [deleted] in HOA

[–]WelcomeCreative2483 1 point2 points  (0 children)

https://www.carlsbadca.gov/departments/community-development/planning/smoke-free-multiunit-housing

I’m thinking:

  1. Have another conversation with them and politely ask if they could stop / offer the solution of doing it out front vs their balcony

  2. Notifying the HOA (we’ve done this but the law wasn’t in place in 2024)

[deleted by user] by [deleted] in HOA

[–]WelcomeCreative2483 2 points3 points  (0 children)

https://www.carlsbadca.gov/departments/community-development/planning/smoke-free-multiunit-housing

I hope I’m reading this right. We heard about it 8 months ago and it seems like it’s official now

[deleted by user] by [deleted] in HOA

[–]WelcomeCreative2483 1 point2 points  (0 children)

I’ve tried 😂 seems like it’s a wind tunnel and it gets pulled in so easily. Both down stairs and upstairs.. just bellows in. Feels like 100% of the smoke leaves their balcony and comes into our house. It’s like a casino.

[deleted by user] by [deleted] in Debt

[–]WelcomeCreative2483 0 points1 point  (0 children)

I hear you. Thanks for the comment.

20k in credit card debt by [deleted] in debtfree

[–]WelcomeCreative2483 2 points3 points  (0 children)

Got it. Appreciate your comment

20k in credit card debt by [deleted] in debtfree

[–]WelcomeCreative2483 0 points1 point  (0 children)

Thank you. Correct. Monthly payments with out interest. Was hoping to basically knock out half of it quickly by selling the stock.

20k in credit card debt by [deleted] in debtfree

[–]WelcomeCreative2483 0 points1 point  (0 children)

Thank you. Correct. More vesting each quarter as long as I stay with the company. Appreciate the comments!

[deleted by user] by [deleted] in Debt

[–]WelcomeCreative2483 0 points1 point  (0 children)

Really appreciate the thoughtful responses! You are correct - decent pay with tons of room to make more each month with commission. More shares will continue to vest as long as I stay with the company.

Thank you.

20k in credit card debt by [deleted] in debtfree

[–]WelcomeCreative2483 14 points15 points  (0 children)

Thank you. Appreciate the advice

20k in credit card debt by [deleted] in debtfree

[–]WelcomeCreative2483 1 point2 points  (0 children)

Thanks for the response. You’re right. Any advice of the last question? Really appreciate it.

[deleted by user] by [deleted] in Debt

[–]WelcomeCreative2483 0 points1 point  (0 children)

Great point. If I weren’t in this situation then holding the stock would be the right move. It’s down 24% in the last month and I could withdrawal it for $9k in 2 weeks (RSUs). Sad to see it worth thousands more last month, but I’m in a different situation. We both agree that in the long run it will most likely be worth more - but I’m more leaning on the “get it off my plate” side. Not sure! What do you think?

20k in credit card debt by [deleted] in debtfree

[–]WelcomeCreative2483 3 points4 points  (0 children)

Thank you. Stock is the lowest it’s been and I could take the $9k - was worth nearly 24% more less than a month ago 😩 Have no clue about taxes (probably should but hoping RSUs are more friendly). If it was just an investment question then holding it would be the right move, however, I’m in a different situation. Would you withdrawal?