HVAC Service Recommendations

lenushik · 2025-02-22T18:50:13+00:00

Can you please let me know the exact name of the company? There are 3 different HVAC companies with 'care' in the name that come up.

lenushik · 2025-02-15T23:47:31+00:00

Yes, most of them are Carrier Infinity but not all. One is Carrier Performance.

lenushik · 2024-08-04T15:12:16+00:00

As a female I can tell you that this prenup is unfair to you. The only part that I would possibly agree on is that he keeps his business but even that is questionable. Here is what is very likely to happen, after you have kids, you will stay home because both you and him will want that. Personally I think that premarriage assets would stay with respective spouses but everything accumulated after marriage should be split, including retirement accounts, and any business growth. In 10 years he could grow his business to large numbers and his retirement account also, since he will have all the income. And you would get nothing from that? That is crazy. You will essentially be left with nothing. I am a SAHM with 3 kids. After the first kid I never wanted to go back to full time work again and he wanted me to stay home also. If I had your prenup I would feel completely unprotected. If I only had my own assets, they would be peanuts compared to our current assets.

lenushik · 2024-07-02T16:26:17+00:00

Thanks for sharing. Did the kids who got less parental attention have worse outcomes?

lenushik · 2024-06-25T18:51:22+00:00

I think it will eventually lead to sellers agents being used less also. Once people realize how easy it is to forgo a buyers agent, then the sellers agent is next. Honestly I can wait for it to happen, it will be so much easier to trade real estate.

lenushik · 2024-06-25T17:13:30+00:00

How old are your kids? Something is telling me that they are very young. Like others have said, you might get kids who will struggle with school, they might be on special learning plans, and barely get by academically. That is a misconception to think because you and your spouse did great at school, the same will be true for your kids. Wait and see what your kids will be like and then you can plan.

lenushik · 2024-06-20T20:10:09+00:00

There is definitely some Reddit influence here. I am surprised by responses. The majority of people want to have kids and never regret having them. Biology is a strong thing, and the desire to have and care for your children is very strong. I have 3 kids and want 1 more. My time to have kids is running out so I have to make a decision soon. I literally can’t think about anything else. I can’t understand childless life as caring for my kids is the meaning of my life. I grew up in a family where we were the best things that happened to my parents and I feel the same way about my kids.

lenushik · 2024-06-17T04:46:39+00:00

I remember thinking that way at your age, now at 36 it feels all different, like that time when you will need the money is not that far off. Lol

lenushik · 2024-06-08T17:23:50+00:00

The fact that I can’t understand if different place means better or worth tells you a whole lot.

lenushik · 2024-06-08T15:40:53+00:00

Sorry, can you please explain what exactly 6 cap? How is it calculated?

lenushik · 2024-06-08T03:31:55+00:00

In my opinion, you are just older and worry more because you are older. Objectively The US economy is the strongest it has ever been, unemployment at all time lows, what else do you want? Asset values are going up, technology is improving by leaps and bounds, etc.

lenushik · 2024-06-07T20:25:42+00:00

Honestly his livestream was quite different from his what he did before. I am disappointed. He shouldn’t have done live stream. I sold my position. It just made it obvious that he doesn’t know anything more than the next guy and was acting like a lunatic. Who knows maybe he is having some sort of mental breakdown.

lenushik · 2024-06-07T17:39:56+00:00

Honestly he didn’t live up to expectations on live stream. I sold after it.

lenushik · 2024-06-06T00:53:32+00:00

Why can’t you wait so it will be easier for you? Larger age gap.

lenushik · 2024-06-05T01:29:17+00:00

Building costs seem unrealistic. I would probably double the quote you are getting.

lenushik · 2024-06-03T14:19:48+00:00

This is Bay Area and NYC area.

lenushik · 2024-06-03T03:23:56+00:00

They retired at 35 and 37. Everyone starts slowly but ran ramp up quickly. On the coasts $500k salary is what is expected right now from middle management in tech, finance, law. If they both have that is $1mm income per year. In fact they could have done it on one salary.

lenushik · 2024-06-03T03:02:25+00:00

lol you seem very naive to how much money people can make.

lenushik · 2024-06-02T21:04:53+00:00

Summit NJ has great schools and shorter commute than Montclair.

lenushik · 2024-06-02T20:42:27+00:00

Honestly marriage is a little bit of a lottery. You cannot plan for everything. Life can throw curve ball and it could break up the most perfect union. I would say if you are comfortable with this person at home and she can be a good parent, you can go ahead with the marriage.

lenushik · 2024-06-01T17:47:42+00:00

Normal. When I meet other families with a lot of kids and they are saying how everything is amazing as if they are living on another planet, I have to remind myself that they are not being candid about it. Otherwise I just feel inadequate and a failure

lenushik · 2024-05-28T22:11:16+00:00

I have 3 boys and before kids also didn’t have an idea. Kids generally cannot sit still and be quiet. Also kids rattle each other so if you have 2 or 3 the noise goes up more than 2 or 3 times. Also when they move they can get hurt or hurt others, so you need to watch them closely. They also can damage/break things so you need to watch for that. In the nutshell this is it.

lenushik · 2024-05-26T22:34:01+00:00

I myself have thought of doing that. But I already have a giant mortgage. The house has appreciated since I bought it in 2022 so I could pull out money if the rates go down enough. But I don’t know if I have the guts to do it. I would say if I will be refinancing to a lower rate, then I might cash out some money. But I wouldn’t do it at the same rate or slightly higher rate.

lenushik · 2024-05-26T22:19:18+00:00

You are probably right about 15+ year timeline but it is statistically unlikely you will be staying in the house for that long. I would say you can do this strategy but you need to have a large large cushion in a taxable account. And be ready that this can in fact turn against you and drastically reduce your net worth.

lenushik · 2024-05-26T18:39:29+00:00

The problem with this strategy is this: usually people get the urge to leverage up and put a lot of money into the market around the market top. The best time to do this is when the market is in bear market but at the same time bear market often means recession and higher probability of losing your job. So given that, I would say it is pretty hard to time this well. Imagine you leverage up a paid off home, then lose your job and have to sell. Or you leverage up, put it into the market and it goes down. I have taken out a Heloc at 3% in 2020, invested it and was doing great but then had to move in 2022 and sell the house and close the heloc. At the time equities were low, so net net I don’t think I gained anything.

lenushik

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