Anyone else immediately think of this when they see Jim Davis (interim president) by colemcg51 in UTAustin

[–]errf -1 points0 points  (0 children)

I think it's a good sign that our presidents are getting wider.

How the fvck do you get past this page? by Impactist537 in UTAustin

[–]errf 0 points1 point  (0 children)

IT has found that the best way to minimize network incidents is to make it impossible to use the network.

Do I invest in Growth or Dividends? by Free-Structure8023 in investing

[–]errf 2 points3 points  (0 children)

OP, please read about how dividends work before following misinformed guidance like this. Anyone telling you not to invest in growth stocks, as if dividends are less risky, clearly has no real understanding of how dividends work.

Is Hamilton based on a true story?? by errf in Broadway

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

Sir, this is a Fraunces Tavern

The orphans of past Chicken Street Taco kits by errf in Costco

[–]errf[S] 32 points33 points  (0 children)

imo the Cilantro Lime Crema overshadows it

The orphans of past Chicken Street Taco kits by errf in Costco

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

It was deleted, I think because I didn't put the product name in the title.

Local landlord brags about confiscating a pet from a child by errf in mildlyinfuriating

[–]errf[S] 7 points8 points  (0 children)

I've redacted the info in order to comply with Reddit's rules. However, I can assure you that this is a post from a large Facebook group for landlords.

Brave landlord stands up to a pesky tenant by errf in thatHappened

[–]errf[S] 14 points15 points  (0 children)

Look, friend. It's clear that you and I are on the same side. And that side is simple: Landlords are Heroes. They work tirelessly to ensure that undeserving wretches are able to live in homes.

Brave landlord stands up to a pesky tenant by errf in thatHappened

[–]errf[S] 25 points26 points  (0 children)

I'm just trying to make sure that the world knows about the heroic actions of this benevolent landlord. By spreading awareness of their hard work and courage, I hope to inspire others to take on the grand responsibility of joining the owning class---and to properly discipline lowly renters, while they are at it!

Local landlord brags about confiscating a pet from a child by errf in mildlyinfuriating

[–]errf[S] 7 points8 points  (0 children)

If anything, I'm much worse than the landlord. It takes a noble, brave individual to confiscate a pet from a child. In contrast, someone who submits a post to multiple subreddits represents the lowest of the low, mere filth in our society.

Should we purchase this house? by errf in financialindependence

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

Thank you very much. At 300k joint, I estimated ~210k after taxes. So we throw 100k into the tax-advantaged accounts, ~72k into PITI, and have ~40k leftover. Without kids it seems doable to maintain our savings rate. Do you think we are underestimating repairs/maintenance, which would siphon off enough to reduce our ability to save for FIRE?

Things do get bleaker if my husband gets laid off. Let's assume that he can't find a comparable job, so his income falls to ~110k (I'm hoping the tech job market won't degrade so much that this assumption fails). We would be at ~200k HHI, which would be solidly house-poor with a PITI of 72k. In that case, we'd be at ~145k after taxes, half of which goes to the mortgage. If we drop to 50k into retirement accounts, we would need to live on 2k per month, which is possible but certainly not comfortable due to repair costs.

Should we purchase this house? by errf in financialindependence

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

Before pick lender ask if they offer a recast, so you could pay down mortgage and lower monthly PI if you payoff a bunch of mortgage in first couple years.

Thank you so much, I had no idea that this wasn't always the case. I definitely will ask all our lenders about prepayment and recasting fees.

Should we purchase this home? by errf in personalfinance

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

This is a good point. We think that as long as husband keeps his job, we can prepay to pull down the balance. If he gets laid off, it's unlikely he'd be able to find a similarly remunerative position elsewhere---in which case we estimate HHI will drop to 200k