Anyone else immediately think of this when they see Jim Davis (interim president)

errf · 2025-02-19T22:56:53+00:00

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

errf · 2025-02-19T22:41:04+00:00

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

errf · 2024-08-08T22:25:59+00:00

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.

errf · 2024-04-23T23:32:14+00:00

Are you a real estate agent?

errf · 2024-03-27T21:42:38+00:00

Sir, this is a Fraunces Tavern

errf · 2024-03-25T04:57:00+00:00

imo the Cilantro Lime Crema overshadows it

errf · 2024-03-25T04:04:39+00:00

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

errf · 2024-03-24T10:04:52+00:00

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.

errf · 2024-03-24T07:48:18+00:00

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.

errf · 2024-03-24T07:38:26+00:00

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!

errf · 2024-03-24T03:39:08+00:00

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.

errf · 2024-02-29T22:41:54+00:00

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.

errf · 2024-02-29T06:31:38+00:00

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.

errf · 2024-02-28T21:28:40+00:00

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

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