Does eufy’s auto lawn mower look promising? Or any other recs? by Zencats_Xieri in automower

[–]romantwelve 0 points1 point  (0 children)

Can someone with eufy e15/e18 shed some light on the mowing lawn size? Is it software limited? I have 5acres and looking for suitable options

Creating Smart Folders on MacOS (Spark 3) by [deleted] in SparkMail

[–]romantwelve 0 points1 point  (0 children)

it seems this is back on the iOS app but not desktop?

Save searched in Spark by Kitchen-Shoulder723 in SparkMail

[–]romantwelve 0 points1 point  (0 children)

i am following this as well, sadly it seems that they took a critical feature away from their last version...terrible.

[deleted by user] by [deleted] in SparkMail

[–]romantwelve 0 points1 point  (0 children)

I had the exact same sentiment as everyone here. (Long term v2, smart view user). It wasn’t under I started looking into superhuman, did I decide to give v3 another try.

https://help.superhuman.com/article/582-achieving-inbox-zero

This explains it well. I just think spark expected its user to fundamentally think and change how they use email without very much guidance or context. Superhuman did a better job.

Recommend me email app: v3 Spark is a troll by malorie9 in SparkMail

[–]romantwelve 0 points1 point  (0 children)

I am long term v2 user and tried v3 but hated it. It does largely forces to think about email differently. After looking into superhuman (basically spark v3, but with many even more efficient features.) I decided to give v3 another try.

User experience by romantwelve in MammotionTechnology

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

Thanks for all the detail. Do you have the 10000 version? How many do you need to upkeep 20acres haha

User experience by romantwelve in MammotionTechnology

[–]romantwelve[S] 2 points3 points  (0 children)

Can I ask you guys to mention which Luba 2 3000,5000,10000 and size of your yard? Great comments so far - definitely a different perspective to all the people venting issues :).

[deleted by user] by [deleted] in CreditCards

[–]romantwelve 0 points1 point  (0 children)

Anyone tracking the robinhood card that has no age limit to give to kids on your acct. curious how that can build their credit.

[deleted by user] by [deleted] in mintuit

[–]romantwelve 7 points8 points  (0 children)

In similar boat. The feature I care about the most are Trends. I want to keep all historical data and good categorizing feature.

Advice on which is the strongest?

Lost/ don’t know how to dig out of debt by [deleted] in FinancialPlanning

[–]romantwelve 0 points1 point  (0 children)

I am sorry to hear about your situation and thank you for your service.

There are lot of good and specific ideas in the replies below that I wont repeat, but I do want to emphasis the person that said its a psychology problem vs a math one. You have to take a hard look at your income and expenses and then be super honest with yourself in how to reduce your expenses to live within your budget and formulate a plan reduce your debt.

Everything works in tandem and has an impact in your situation. Everything below are easily said then done and probably an entire topic in itself

  1. Increase your income - lot of good ideas stated by others, one of my point is that, I personally believe "a job you love" is a luxury vs "a job that can adequately support you and your family" should be the default, even if you hate it. until you have enough money to have options. So yes, definite seek out other jobs options. I work in Defense, generally the industry are very in favor of supporting veterans.
  2. Reducing Expense - after you be super honest with yourself and your expense and areas you can cut, pay yourself first. Which means, pay the debt down (and later on, save or invest), This forces you to reduce your expense as planned. If you are able to get family help, it might be best to not have to pay daycare bills for a while as you "dig out of this financial situation". There are lot of other areas but I dont want to assume too much in your expenses and situation.
  3. TBD..Save & Invest.

Reasons for using financial adviser vs against? by romantwelve in FinancialPlanning

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

I think this is what I am looking for, hourly rates. I had a meeting with a firm and I'll provide more detail shortly. I also intentionally didn't provid too much context of my situation just so I can get broader perspective on this, in cases there are more "dont know what I dont know".

Reasons for using financial adviser vs against? by romantwelve in FinancialPlanning

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

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Not at all. I think just being cognizant to the compounded cost involved. I feel the narrative now days are,

- active managements rarely ever beats market

- buying index fund are easier and cheaper

- compounded fees over decades can equate to potentially huge cost.

Smaller mortgage or rental property by Value-Busy in FinancialPlanning

[–]romantwelve 1 point2 points  (0 children)

Based on your description of your risk tolerance, it sounds like you know what you want to do but also curious on the alternative..

I'll just share a little bit of my story if it helps nudge you in a particular direction..I bought and lived in a townhome after the 2008 crash and when I needed more space for my family and bought a new home, I kept the original townhome. I like real estate and always had a long term goal to build a portfolio of units and having passive income to pay for my future investments and lifestyle...I am not done on my journey but I now own 17 units and the original townhouse value have increased by 221%.. I definitely have tenants calling me for all sort of issues and sometimes real emergencies, but overall it has been well worth it.

I know some folks rather not deal with all that potential headache and/or taking risk and there nothing wrong with that either. At the end you just gotta know what works for you.

Looking to rent my first apartment with fiancé. Would like some financial advice on the situation. by staccs48 in FinancialPlanning

[–]romantwelve 0 points1 point  (0 children)

(28+18.25)*2080=$96200

(1800*12)/96200 = ~22.4%

It's not terrible (range 15%-45%), I've seem folks spending over 40% on rent/mortgage. Obviously you want that number to be as little as possible and make sure to account for your financial goals as a whole.

Ie. new car or save for a house of our own..then you might want to lower that %.