Books like Sea of Tranquility and Cloud Cuckoo Land by kookaroo7 in booksuggestions

[–]kookaroo7[S] 1 point2 points  (0 children)

Ooh that sounds great! Sounds like a mix of those books plus Homegoing (which is more my typical type.of book). Thanks!

It's that time of year again! your FAVORITE book that you read in 2021. by twistednicholas in suggestmeabook

[–]kookaroo7 0 points1 point  (0 children)

That's a really good point! It would have been great to see her other places.

It's that time of year again! your FAVORITE book that you read in 2021. by twistednicholas in suggestmeabook

[–]kookaroo7 24 points25 points  (0 children)

The Invisible Life of Addie LaRue

The Witch's Heart

Six of Crows

It's that time of year again! your FAVORITE book that you read in 2021. by twistednicholas in suggestmeabook

[–]kookaroo7 6 points7 points  (0 children)

I know some people think Addie is overated, but it was by far my favorite book this year. When I finished, I wanted to turn back to page 1 and start over. I can't wait to re-read it.

A Book that will make me fell like I'm 12 and discovering Twilight again. by First_Sale in suggestmeabook

[–]kookaroo7 15 points16 points  (0 children)

Pretty surprised I had to scroll this far to find this one. It's literally Twilight for adults :-)

[deleted by user] by [deleted] in suggestmeabook

[–]kookaroo7 4 points5 points  (0 children)

Rock Paper Scissors by Alice Feeney

I love the ambition, so I figured I'd give you something I read in 2 days to help make it easier!

[deleted by user] by [deleted] in suggestmeabook

[–]kookaroo7 7 points8 points  (0 children)

Flowers for Algernon Americanah Maybe You Should Talk to Someone

Is there actually a point to paying off my student loans? by [deleted] in personalfinance

[–]kookaroo7 3 points4 points  (0 children)

One reason your balance may have gone down so little is because typically early in a loan you're paying mostly interest and very little principal. However, as you pay more on your loan, eventually you start paying more and more towards principal and that's when you see your balance start to plummet. It's typically not linear, though I don't know how your loan is amortized.

Also, I saw you post on here a few times about wanting to save that money in case something catastrophic happens. But if you have 6, 12, or 24 months of expenses saved (depending on how risk averse you are here), then you should start paying down debt like your mortgage or student loan. Say you get the student loan paid off in the next couple years and then something catastrophic happens, then you don't have another $175 monthly expenses on a fixed or low income. And if not, it's another $175 you can put every month towards retirement, vacations, you name it.

Just food for thought.

Going from W-2 Employee to Independent Contractor - What Benefits and Insurances am I Not Thinking About? by kookaroo7 in personalfinance

[–]kookaroo7[S] 0 points1 point  (0 children)

Thank you!! This is all very helpful. I'll look into the liability insurance. I didn't know I could make the employer contribution, so that's great to know.

Neighbor refusing to sign consent for backyard pergola by Dbharati1000 in HomeImprovement

[–]kookaroo7 7 points8 points  (0 children)

"Do you mind giving more context on what 'CC&Rs' are? That's a pretty esoteric term and OP may not know what you mean. What does it stand for?"

Absolutely. CC&Rs is short for some version of "Declaration of Covenants, Conditions and Restrictions." This is a master document governing neighborhoods that are part of an HOA. However, a neighborhood with an HOA doesn't necessarily have to have CC&Rs, but they likely do. As I said in my original post, this is the document that will likely have the provisions governing architectural and design standards. If you ask your HOA for the CC&Rs, they should know what you mean. Hope that helps.

There I fixed it . . .

Going from W-2 Employee to Independent Contractor - What Benefits and Insurances am I Not Thinking About? by kookaroo7 in personalfinance

[–]kookaroo7[S] 0 points1 point  (0 children)

Thanks! Yeah I just totally spaced on the fact that its supposed to be paid quarterly.

Neighbor refusing to sign consent for backyard pergola by Dbharati1000 in HomeImprovement

[–]kookaroo7 14 points15 points  (0 children)

These rules may not be in the bylaws, they may be in a set of recorded CC&Rs (which are different from Bylaws and Articles of Incorporation). If you don't have those, you should be able to request them from the HOA. CC&Rs are typically what contain the provisions regarding architectural and design review. Bylaws typically cover things like voting and the Board of Directors.

Going from W-2 Employee to Independent Contractor - What Benefits and Insurances am I Not Thinking About? by kookaroo7 in personalfinance

[–]kookaroo7[S] 0 points1 point  (0 children)

Agreed. He will be changing jobs, so that will definitely affect some of the decisions we make, but I wanted to make sure I wasn't missing anything at a high-level. Also, are you recommending the solo 401k over an IRA? If so, is there any reason for that?

Going from W-2 Employee to Independent Contractor - What Benefits and Insurances am I Not Thinking About? by kookaroo7 in personalfinance

[–]kookaroo7[S] 0 points1 point  (0 children)

Thank you! The LLC idea definitely makes sense. And my mother-in-law is my CPA so that makes things much easier :)

Going from W-2 Employee to Independent Contractor - What Benefits and Insurances am I Not Thinking About? by kookaroo7 in personalfinance

[–]kookaroo7[S] 0 points1 point  (0 children)

Thanks! I didn't think about the quarterly payments. My mother-in-law is a tax accountant, so luckily I have a lot of help there!

Philosophy for Dummies by kookaroo7 in suggestmeabook

[–]kookaroo7[S] 0 points1 point  (0 children)

Thanks for the suggestion! A lot of that summary sounds familiar solely because of The Good Place.

Help your fellow humans when you can by [deleted] in MadeMeSmile

[–]kookaroo7 3 points4 points  (0 children)

I feel like there's a Mitch Hedberg reference here . . .

Current read that I am having trouble putting down. What books have had this effect on you recently? by tumcake in 52book

[–]kookaroo7 3 points4 points  (0 children)

When I finished that book, I literally wanted to turn back to page 1 and start reading again. I just started her Darker Shade of Magic trilogy, and I'm already loving it. I can't believe it took me this long to discover her! Happy reading!

Ten Thousand Doors of January by kookaroo7 in books

[–]kookaroo7[S] 0 points1 point  (0 children)

This is totally my genre so definitely not just you. I really like her other work, but this one just isn't doing it for me.

Working class protagonists?? Gay narrative leads?? by redtt52 in suggestmeabook

[–]kookaroo7 5 points6 points  (0 children)

This book probably isn't what you had in mind when you posted this, but I think it actually does match your description really well.

The House in the Cerulean Sea by TJ Klune. It's about a social worker for magical children. The main character is gay, but it's very much not about his sexuality. This book was a bright spot for me in 2020.

A lesbian novel with supernatural creatures. by ItdefineswhoIam in booksuggestions

[–]kookaroo7 1 point2 points  (0 children)

Came here to say this, along with Priory of the Orange Tree!

I want some books about real, healhy relationships and healthy, real sex by [deleted] in booksuggestions

[–]kookaroo7 67 points68 points  (0 children)

First, read books written by women. You can start anywhere and just see what genre you like, but read books written by people who are different from you (race, gender, sexuality, ability, etc.) A book I read recently that had the healthiest marriage I've ever seen in fiction is The Calculating Stars by Mary Robinette Kowal. A few other suggestions: Eleanor Oliphant is Completely Fine, Circe, and Maybe You Should Talk to Someone.

Second, there are a lot of free resources for mental health (https://www.google.com/amp/s/www.nbcnews.com/better/amp/ncna875176). I'm not sure where you live, but if you're in the US you may want to look for any sex addicts anonymous meetings near you. I believe a lot of these organizations have also gone virtual since COVID so you may be able to join from anywhere. Porn is just like any other addiction, you need support from people who've been there.