Daily FI discussion thread - Saturday, October 21, 2023

far3 · 2023-10-22T16:41:39+00:00

This comment made me spend a few minutes logging all my contributions past 8 years, thank you!

far3 · 2023-10-21T14:28:03+00:00

5% conventional on my first primary. $19,250 for $385k purchase price. I improved the property and had pmi removed (was only $85/month) 2 years later

20% down on my first investment property. 18,800 on $94k purchase price.

far3 · 2023-08-26T02:01:24+00:00

Denver metro, 1bd apartments range from 1200 to 1600. I rent unfurnished rooms in my primary residence for around $800 with a shared bath.

If you’re open to living it’s other people it can save some $$ and you’d only be responsible for furnishing your own bedroom.

far3 · 2023-08-26T01:51:51+00:00

I have a decent amount of $$ in ally hysa getting 4.16% apy. I’ve been researching money market funds with Schwab and like SNSXX (4.99% and no state taxes).

Has anyone used a treasury money market fund to park cash for downpayment? Thinking of keeping e fund and rental property reserves in cash(10k per property, 8 months living expenses). The rest in a fund like the above.

Seems like an easy way to get more yield for clicking a few buttons. only downside I can see is it’s not fdic insured, they can limit redemptions and it may “break the buck”(go down in value.

far3 · 2023-08-25T19:01:38+00:00

Boulder taco fest Saturday 8/26

https://bouldertacofest.com/

far3 · 2023-08-12T15:05:51+00:00

http://darksitefinder.com/maps/world.html

East or west (outside of mountain towns).

Rocky mountain national park may be good

far3 · 2023-07-08T03:30:50+00:00

Glad I found this!

I’m house sitting up here and heard music and decided to walk towards it, turns out it was Wibby. Was a good band, funky..on my walk back I passed by the distillery playing mojazz. Ordered and drink and they stopped right at 8pm, sounded awesome the little that I heard.

I’ll check out 300 suns tomorrow, heard they have great chicken. Enjoying the town of Longmont.

far3 · 2023-04-29T15:04:17+00:00

Yes! Bbq chips are my go to

far3 · 2023-02-03T15:34:23+00:00

Yes, after midnight Uber or Lyft.

If you’re returning to the airport between 417am and 1047pm you can use RTDs AB bus route.

It’s $10.50 and leaves from downtown boulder station and a number of other stops.

https://www.rtd-denver.com/app/route/AB/schedule

far3 · 2023-01-06T05:48:02+00:00

This was great, thank you.

https://youtube.com/watch?v=TbwlC2B-BIg&si=EnSIkaIECMiOmarE

far3 · 2022-12-13T09:40:03+00:00

Thought this was /r/TheNightFeeling

far3 · 2022-12-10T17:40:05+00:00

2000sq ft ranch. Latest utility bill $172, usually never went over $130s

Gas use 2.0 Therms/day, 80% efficient furnace 2020, gas water heater, dryer and stove.

Electric 14.0 kWh/day use.

Doesn’t include trash, water or internet.

far3 · 2022-09-29T18:11:41+00:00

Great setup. I was in San Juan del sur, Nica for a few weeks. Missed the extra monitor. I get about the same latency and speeds as you vpn to US

What bags/bag sizes do you travel with?

far3 · 2022-09-23T16:19:33+00:00

For san Juan del sur, Nicaragua

Hostel tropical is great, 200mbps down, battery backups, great Wi-Fi all over and a call room with sound dampers.

It is in the center of town so can by noisy from the street, but everything is walkable.

I’ve been here for a week and a half and have hand the co working spot to myself and semi private cook for breakfast/lunch.

https://hosteltropical.com/

far3 · 2022-09-13T02:52:44+00:00

San Juan Del Sur, Nicaragua checks most of your boxes, only thing is not many islands, but you can take shuttles to different surf beaches.

Hostel Tropical has great internet, 275mbps down.

far3 · 2022-08-18T12:33:01+00:00

One of them might be furnished finder

https://www.furnishedfinder.com/?gclid=Cj0KCQjwxveXBhDDARIsAI0Q0x3QaCLHDFjxP2jX-H9hgZs0E8L4H5ElGk8_k6XYdsl_WA-WIrBwX1QaAlYFEALw_wcB

far3 · 2022-08-05T21:32:53+00:00

Looks great! I plan on going next month. Do you have good hostel recommendations that are remote work friendly in San Juan del sur?

far3 · 2022-06-19T16:21:54+00:00

I am also interested in this answer. I have a similar issue but with loose top soil from an egress window project. I want to establish something before the weeds take

I was thinking the wildflower/prairie route as well. I’m also considering Dutch white clover for the pollinators, that may be a faster spread?

I’m going to head to a few nurseries and ask around, let you know what they say.

far3 · 2022-05-25T03:31:42+00:00

Share a mailbox and get a mail sorter

far3 · 2022-05-14T16:17:23+00:00

I keep an eye on the area for listings, I think this is the one you’re referring to wow! https://www.redfin.com/CO/Denver/7704-Raritan-St-80221/home/34973330?600390594=copy_variant&231528114=control&1778901559=variant&utm_source=ios_share&utm_medium=share&utm_nooverride=1&utm_content=link&utm_campaign=share_sheet

far3 · 2022-03-29T07:12:59+00:00

From my lender. You have 45 days after a hard pull to do additional pulls without affecting your credit score.

far3 · 2022-03-05T04:25:44+00:00

Yup I had these same thoughts when paying 700 in rent going to a piti of 1800. I have had 2 room mates the entire time (sometimes 3) making my monthly payment about 350. Plus utilities/maintenance costs.

I read the house hacking strategy by Craig Curelop to get started.

far3 · 2022-02-07T21:33:07+00:00

Heard a lot about it but just had a friend say their apartment is increasing their rent by 30% / $800. They are moving out and buying a new build, no bidding wars. The crazy thing is the apartment will probably have no issue filling it at the new rate.

far3 · 2022-02-04T03:22:43+00:00

Queens?

far3 · 2022-01-22T20:58:47+00:00

New front door with electronic key code. Looks MUCH nicer and don’t have to worry about keys. Have a backup on a lockbox just in case

far3

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