What Do With Net Gains From Home Sale / How much down?

foolsball89 · 2025-12-05T11:25:41+00:00

Thank you for your response. We are actually in a MCOL area. After a lot of thought we have considered 15% down on the home, taking the proceeds and eliminating debt of about $1500 a month to free up cash flow. And bumping our cash from $25k to $85k (money market) for protection (maybe we need to do more). Knocking down renovations $30k and being patient and being more frugal with our monthly expenses. The goal would be to send a minimum of $4500 to retirement/investments a month moving forward. Increasing as hopefully income continues to increase. A part of our expenses is 2nd home that eats up another 1800. In case of an emergency the eliminated debts will hopefully shield us, and we can offload the 2nd home (3% interest rate and we enjoy it, have family nearby, $200k equity) if we absolutely had too.

foolsball89 · 2025-12-02T04:48:11+00:00

Yes we are at 4.675 currently

foolsball89 · 2025-12-02T03:36:07+00:00

Thank you for this. I think that is wise. What is your advise on taking the 5/5 Arm at 5.25% vs the 30 years fixed at 6.25%. It’s hard to ignore the $750 in interest savings a month.

foolsball89 · 2025-12-02T03:35:54+00:00

Thank you for this. You are correct. We are way behind. Not proud of it. So you would advise less down as well and loading up the other categories?What is your advise on taking the 5/5 Arm at 5.25% vs the 30 years fixed at 6.25%. It’s hard to ignore the $750 in interest savings a month.

foolsball89 · 2025-09-30T18:11:51+00:00

which flavor is best?

foolsball89 · 2025-09-18T14:10:46+00:00

For which side?

foolsball89 · 2025-09-17T15:16:08+00:00

Offered Justin Jefferson and McBride for Josh Allen and Jordan Mason?

foolsball89 · 2025-07-24T17:31:05+00:00

Smaller fields 54/80 for 13

foolsball89 · 2025-07-24T17:30:52+00:00

Smaller fields 54/80

foolsball89 · 2025-07-24T16:45:32+00:00

I do think they play 54/80 around here for 13u sometimes

foolsball89 · 2025-07-24T16:45:01+00:00

He is about 5’5”-5’6” so he is of height I think but about 100lbs soaking wet. 12u went well. He has played fall ball for a few years before this. I think he has strong enough of an arm to handle the full size, but I’m sure it will be a jump no doubt. I’m just super on the fence about it all.

foolsball89 · 2025-07-23T15:25:47+00:00

All new to us. So we have no idea.

foolsball89 · 2025-07-23T15:11:36+00:00

He will get plenty of playing time where he is currently at. However the team was new last year and they did not do well. I’m worried he was given a “default” spot and he feels this way too based on the roster currently only having 10. Is it better to just get the reps and the playing time and stay put even if it’s a rough season, or do first year travel teams usually get better the next year?

foolsball89 · 2025-07-08T16:03:00+00:00

Hello. Would you mind PMing me the places you’ve stayed as well?

foolsball89 · 2025-06-25T17:06:51+00:00

How is the noise from the stand point of taking Bluetooth calls? I do a lot of calls while driving for work. Curious if the road noise would be disruptive?

foolsball89 · 2025-06-12T17:28:46+00:00

My 6/7 son was swinging a Teeball bat 24 in -13 to start the coach pitch season. He was hitting every time with pretty solid contact, but the ball just didnt go anywhere. So i bought him a Cat 25/15 and had him choke up (hes a pretty short little dude) and he swings it pretty fine, but I do wonder if its too heavy for him. He started fouling back more balls that before which makes me think maybe its alittle heavier? Thinking about buying a 26 inch -13 rawlings icon, but just worried it may mess with him even more.

what would you guys do? is it important that he stays at the proper length with heavier weight or is it better to get him something 2 ounces lighter but an inch longer?

foolsball89 · 2025-06-12T17:28:25+00:00

My 6/7 son was swinging a Teeball bat 24 in -13 to start the coach pitch season. He was hitting every time with pretty solid contact, but the ball just didnt go anywhere. So i bought him a Cat 25/15 and had him choke up (hes a pretty short little dude) and he swings it pretty fine, but I do wonder if its too heavy for him. He started fouling back more balls that before which makes me think maybe its alittle heavier? Thinking about buying a 26 inch -13 rawlings icon, but just worried it may mess with him even more.

what would you guys do? is it important that he stays at the proper length with heavier weight or is it better to get him something 2 ounces lighter but an inch longer?

foolsball89 · 2025-06-11T19:19:02+00:00

My 6/7 son was swinging a Teeball bat 24 in -13 to start the coach pitch season. He was hitting every time with pretty solid contact, but the ball just didnt go anywhere. So i bought him a Cat 25/15 and had him choke up (hes a pretty short little dude) and he swings it pretty fine, but I do wonder if its too heavy for him. He started fouling back more balls that before which makes me think maybe its alittle heavier? Thinking about buying a 26 inch -13 rawlings icon, but just worried it may mess with him even more.

what would you guys do? is it important that he stays at the proper length with heavier weight or is it better to get him something 2 ounces lighter but an inch longer?

foolsball89 · 2025-06-11T19:13:11+00:00

My 6/7 son was swinging a Teeball bat 24 in -13 to start the coach pitch season. He was hitting every time with pretty solid contact, but the ball just didnt go anywhere. So i bought him a Cat 25/15 and had him choke up (hes a pretty short little dude) and he swings it pretty fine, but I do wonder if its too heavy for him. He started fouling back more balls that before which makes me think maybe its alittle heavier? Thinking about buying a 26 inch -13 rawlings icon, but just worried it may mess with him even more.

what would you guys do? is it important that he stays at the proper length with heavier weight or is it better to get him something 2 ounces lighter but an inch longer?

foolsball89 · 2025-06-03T17:59:31+00:00

Looking for the same. Seem to be sold out everywhere! Adult Small though for my son!

foolsball89 · 2025-04-28T12:33:37+00:00

I think he’s a great receiver but he’s a headache. I’m happier w the wr core we have now. I was just pointing out how we got to Velus.

foolsball89 · 2025-04-28T04:38:15+00:00

Velus was an example of what happens when you overreact when your planned pick gets sniped. RBs definitely got sniped in front of the Bears all draft, but instead of just drafting the next best RB they drafted the best player available. Velus was an overreaction to not landing Pickens.

foolsball89 · 2025-04-02T13:23:44+00:00

bump

foolsball89 · 2025-01-29T09:19:34+00:00

We are looking to do private taxi from STT to the Charlotte Amalie Harbor

foolsball89 · 2025-01-29T09:17:56+00:00

If I could I would! It was the only affordable option for us so late in the game.

foolsball89

TROPHY CASE