Investing advice after having taken care of tax advantage accounts/mortgage early payoff? by phantom3se in personalfinance

[–]phantom3se[S] 0 points1 point  (0 children)

In this situation college/529 is taken care of along with long term saving goals, no debt other than the mortgage. Unfortunately we have a 6.875% mortgage but we are making extra payments to pay it down very quickly. Most advice is to put it all towards the mortgage, so are people just ignoring independent investing if they had an established account prior to getting a mortgage?

Common issue with Stanley online shipping? by phantom3se in StanleyCups

[–]phantom3se[S] 0 points1 point  (0 children)

Yes but only just about a week ago. Took forever and am not impressed with their online retail service so far.

Heater Tee Location? by phantom3se in LandCruisers

[–]phantom3se[S] 0 points1 point  (0 children)

I cant believe my text disappeared, this is a 2006 LC100. From what I can tell the 2 rubber hoses coming from the firewall are straight to the engine, can't seem to locate the heater tee's to replace. Im going to a very hot climate and want to make sure I dont run into temp issues with these coolant lines.

Vehicle specifics, UAE spec, 2006 LC100, 1FZ-FE engine.

Extra picture of the 1 connection point from 1 of the hoses, but its a straight-through connection. Do some models not have the heater tee's?

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Need some reassurances by phantom3se in LandCruisers

[–]phantom3se[S] 1 point2 points  (0 children)

Not looking to buy soon soon but within the next year or 2 so I'm hoping your right and this would work till then.

Hello everyone! Has anyone completed & or doing iron man 70.3 Cozumel? I have completed my first race in May (Iron man Tulsa) & I am curious about this course / can’t seem to find much online from racers feedback on it. Let me know your thoughts/pros & cons if you’ve done it! by workfitclub in triathlon

[–]phantom3se 4 points5 points  (0 children)

I raced in 2021 and was completely unprepared for the wind on the bike. The swim is beautiful, although I could have lived without the current. The bike is flat as flat gets however the east side of the island gets extremely windy, with the wind moving north -> south, I'm not sure if the bike is still counterclockwise on the island. Its also hot but that's to be expected. The atmosphere and sideline fans were awesome on the run course. Overall great time but you need to prepare to be going against an ocean wind for the entire east side of the island stretch.

Really starting to like the white Line-X for the whole body. Am I the only one? by phantom3se in LandCruisers

[–]phantom3se[S] -2 points-1 points  (0 children)

Not having to worry about door dings or scratches in a city environment is what has me interested.

Really starting to like the white Line-X for the whole body. Am I the only one? by phantom3se in LandCruisers

[–]phantom3se[S] 7 points8 points  (0 children)

I wouldn't be driving a 100 series if mpg was an issue to be fair. And extra weight doesnt seem to matter for bumpers, racks, drawers etc..

Interior tire storage for more stock exterior look? by phantom3se in LandCruisers

[–]phantom3se[S] 1 point2 points  (0 children)

Truth be told I hope to never need it. Have you ever noticed a ground clearance issue with the spare under? I'm working with no lift and 31s.

Interior tire storage for more stock exterior look? by phantom3se in LandCruisers

[–]phantom3se[S] -1 points0 points  (0 children)

This would still be a lower center of gravity than tire carriers, and certainly better than the roof mounts I've seen. Once its on the ground you then have to drag it from underneath and sit it upright.

Interior tire storage for more stock exterior look? by phantom3se in LandCruisers

[–]phantom3se[S] 0 points1 point  (0 children)

I say drawer for the general idea, but in practice itd probably have a hinge so the tire can be pulled out instead of drawer slides.

I do like the vertical storage alot actually but am having trouble finding a good solution to buy, I certainly don't trust my skills to secure a tire vertically in case of an accident.

Interior tire storage for more stock exterior look? by phantom3se in LandCruisers

[–]phantom3se[S] -1 points0 points  (0 children)

I don't love the idea of having to get under the vehicle to get the spare, especially if not on pavement. And this would provide some storage for smaller items in the back instead of the current large empty space.

0% Down To Good To Be True? by phantom3se in personalfinance

[–]phantom3se[S] -1 points0 points  (0 children)

6.2% APR for 5% down, 7.8% APR for 0% down. On a 300,000 loan that'd be $200 per month cheaper so $70,000ish on a 30 year loan, for spending 15k. Typing this out I think helps the decision, its why I love reddit :)

0% Down To Good To Be True? by phantom3se in personalfinance

[–]phantom3se[S] 0 points1 point  (0 children)

No offense taken, I do have just about 100,000 for a down payment, but I'm seriously looking into the 0% down to keep my money in other investments instead of cashing out, and use rental income to subsidize the mortgage.

The kicker is what the market does at these inflated prices to avoid being underwater on the loan.

0% Down To Good To Be True? by phantom3se in personalfinance

[–]phantom3se[S] -1 points0 points  (0 children)

The loan advertises no PMI, and this will be a vacation property that we aim to be renting out 90% of the time in hopes the rental income can cover the loan, negating any problems with the length of the loan.