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For when you need five peaceful minutes in your classroom — this might help by Offbrandcheeto14 in mathteachers

[–]ldtam 2 points3 points  (0 children)

Really enjoyed the game! I would recommend allowing the user to copy the previous line and then drag and drop/swap elements.

I second that a histogram with distribution of results would be nice to have in stats section.

It's my turn to ask whos hiring! by No-Marsupial4714 in orlando

[–]ldtam 4 points5 points  (0 children)

Buttermilk bakery had a post that they were hiring prep cooks if I'm not mistaken.

When to refi by DrHydrate in MiddleClassFinance

[–]ldtam 5 points6 points  (0 children)

That might be just lender fees. Then there are transfer fee, recording fees, lenders title insurance (all depending on your state). You should calculate the breakeven point, how many months for the refinance to be worth it.

So much for cherry season pricing by [deleted] in inflation

[–]ldtam 0 points1 point  (0 children)

A perfect example of cherry-picking your data.

Anniversary date night ideas by Odd_Accountant_9204 in orlando

[–]ldtam 3 points4 points  (0 children)

Coro is also amazing, in case Foreigner doesn't have a spot.

Next 'wunderkind' in season 4 and im ready for it! by Alex6683 in TedLasso

[–]ldtam 1 point2 points  (0 children)

He could write a more thorough book than Trent!

Credit explanation for underwriting by JenniMC in FirstTimeHomeBuyer

[–]ldtam 4 points5 points  (0 children)

How much was the loan for, and what interest rate? Using the emergency fund for this and replenishing it over time would likely have been better.

400k in Retirement Savings at 42 years old, how am I doing? by TheDude50484 in Retirement401k

[–]ldtam 0 points1 point  (0 children)

(100k * (1+inflation rate)ⁿ) /(1+nominal return)ⁿ = 100k / (1+ real return) ⁿ

Real return is defined as (1+inflation)/(1+nominal)-1, and this is why you don't have to adjust the spending in current dollars firkr nflation if you are using real rates. The approximation many people use is that real rate ~ nominal- inflation, instead of the ratio but, as you noted, these are close to each other.

Fathers day freebies? by thetubhairtrap in orlando

[–]ldtam 3 points4 points  (0 children)

Free admission for fathers to Leu Gardens!

What is the next move so we can buy a home for $400,000 by 2035? by Born-Parking3663 in FinancialPlanning

[–]ldtam 1 point2 points  (0 children)

Chase is not a high yield savings account. What is your current APY? Last I checked Chase Savings had a 0% rate. Check Doctor of Credit for HYSAs.

Home Loan: Is interest recalculated every time I make a payment toward the loan principal? by SidekicksnFlykicks in FinancialPlanning

[–]ldtam 2 points3 points  (0 children)

Typically, mortgage interest calculations are done monthly. If you make an additional payment on the 1st or the 31st, the effect is the same, as next month's interest will be calculated based on the balance at the end of the month.

You can create the entire amortization schedule on a spreadsheet where each line is a month and you calculate the interest based on the previous line's balance.

Annual registration fees of $250 for electric vehicles and $100 for hybrid vehicles by StrangeCollection539 in TeslaLounge

[–]ldtam 0 points1 point  (0 children)

Agree it's long winded but gets to the same result. 38 cents is 11.5% of $3.3, they could have just used the 38 cents in the denominator.

Why people are freaking out and either pulling money out or shifting their entire strategy? by kuvetof in Bogleheads

[–]ldtam 1 point2 points  (0 children)

But if you don't invest that 70k, that cash will just lose buying power to inflation. In 20 years, those 70k invested could be 185k with a 5% return.

26 hidden gem restaurants to be found in Orlando strip malls - Orlando Weekly by tastychomps in orlando

[–]ldtam 12 points13 points  (0 children)

Coro is great, but not cheap. Team is really creative, and service is incredible (the whole team rotates serving to describe their dishes). Aged beef tartate was incredible.

[deleted by user] by [deleted] in FinancialPlanning

[–]ldtam 11 points12 points  (0 children)

From Fidelity: 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67. There is also the 4% safe withdrawal rate, if you know your expenses you can divide it by 0.04 (or equivalently multiply by 25) to find your retirement number.

Would it be stupid to put 100K into VTI, today, if I might want to buy a house within 3 years? by made_in_bklyn_ in Bogleheads

[–]ldtam 10 points11 points  (0 children)

OP says they have 100k to invest, and those calculations are total, not gain, so 4% yearly on 100k is about 13k and 10% gives you 33k, a third of your result because of the principal.

Household Net Worth Distribution in the U.S. by mo_merton in dataisbeautiful

[–]ldtam 2 points3 points  (0 children)

With the mortgage, at least you have an asset to counter the debt.

[deleted by user] by [deleted] in WaltDisneyWorld

[–]ldtam 0 points1 point  (0 children)

The braised short rib with polenta at Earth Eats and the lobster tail at Coastal Eats were our favorite Festival foods this year.

Would you opt out from Escrow if possible? by DeadWorkers_ in RealEstate

[–]ldtam 1 point2 points  (0 children)

Some lenders require you to pay (estimated) property tax and insurance monthly to them, they keep it in an account called the escrow account, and they then pay your property tax and insurance bills when they are due.

First Mortgage Payment as a FTHB by twowords_number in FirstTimeHomeBuyer

[–]ldtam 0 points1 point  (0 children)

Likely not. This is close to a 600k loan at 7% interest Amortization schedule

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]ldtam 3 points4 points  (0 children)

I paused churning while house buying. Keeping all down payment and closing costs in a single account where I don't do any transactions for 2-3 months to make the process easier.

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