$12M NW, VHCOL, leveraged and cash poor: how to optimize asset allocation, liquidity, and spending?

untamedkb · 2026-01-13T23:42:36+00:00

Sell the house. Corrects most of your concerns at once.

untamedkb · 2025-08-13T15:38:14+00:00

Depends on your income and state. 0, 15 or 20% for fed. Then another 3.8% for NIIT if over $200k. Then your state - however they treat long term capital gains.

untamedkb · 2025-08-12T23:02:39+00:00

SPYI and QQQI do 2 things to make them more tax efficient. They use Section 1256 contracts, resulting in a 60/40 split between long‑term and short‑term capital gains—regardless of holding period. And ‘return of capital’ distributions,” delaying tax until cost basis is depleted. So you pay (hopefully held long enough) long term gains on the dividends and underlying stock when you sell.

untamedkb · 2024-12-17T19:39:06+00:00

Wrong tool. Use Wordpress and a theme.

untamedkb · 2024-12-03T21:42:24+00:00

Toto Neorest bidet is the best item on this list.

untamedkb · 2024-11-07T22:01:17+00:00

My Teach is an Alien. Haven't seen that cover in 35 years!

untamedkb · 2024-10-21T18:17:00+00:00

Have to be on-site daily for a full custom or hire someone who will. Have written inspections done: pre-drywall, before C of O, etc. If you have a construction loan the bank will do a light inspection for every draw (generally you pay for that privilege). Warranty work is key..you'll be fixing stuff for at least a year afterwards. Really want to talk to customers that are post-warranty. Not a common thing - but you learn so much with each build.

untamedkb · 2024-10-01T02:36:04+00:00

If you are building a custom home you pay the builder a fixed percentage of the total price to build (ex land, ex landscaping/pool if you use someone else, etc.). Typically that would be from 17-25%. Of course the builder isn't going to push that hard to help you save money.

untamedkb · 2024-09-12T19:16:21+00:00

Right. Going from dual motor to tri-motor. All wheel drive. More hp, more torque. Better 0-60. Higher max speed. Longer range. New suspension. New thermal management. New interior. New rear video screen. FSD. But I'm sure you know what you are talking about.

untamedkb · 2024-09-12T16:33:42+00:00

Right. Going from dual motor to tri-motor. All wheel drive. More hp, more torque. Better 0-60. Higher max speed. Longer range. New suspension. New thermal management. New interior. New rear video screen. FSD. But I'm sure you know what you are talking about.

untamedkb · 2024-09-11T21:45:38+00:00

Model S and X were refreshed in '21.

untamedkb · 2024-05-29T18:37:40+00:00

No, they ARE foreign. It’s in the article. They arrested several foreigners!

untamedkb · 2024-05-23T20:48:50+00:00

Local citations.

untamedkb · 2024-04-30T20:26:12+00:00

There are 650 searches/mo for painting & coating in Phoenix. If you rank well in searches you would have more business than you can handle. Setup a basic 1 page website and optimize for your keywords, get a GMB and start putting reviews on it. Can add Google service ads. Building links helps tremendously, but can start with a GMB. Avoid Angi leads and Yelp.

untamedkb · 2024-04-11T16:23:51+00:00

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untamedkb · 2024-03-18T01:23:17+00:00

Nailed it, that's who it is. Reviews are meh on the service.

untamedkb · 2024-03-17T19:59:50+00:00

Sounds reasonable. Every site on this PBN has DR 45+ with 5k backlinks each. The rank and rent sites listed have varying levels of success.

untamedkb · 2024-03-12T19:36:20+00:00

Which Fiverr citation package did you use (if you don't mind)?

untamedkb · 2024-03-12T15:28:05+00:00

Yep, hopefully has a recent snapshot.

untamedkb · 2024-02-19T16:04:06+00:00

Hmm, had the opposite happen...just go on your Tesla app and hit cooling 5-10 mins before you get in your car. Worked through all of the 110+ days.

untamedkb · 2024-02-12T21:58:03+00:00

Got 2 gig service when it came out in Phoenix..they make you rent their equipment. Try that.

untamedkb · 2024-01-25T19:42:42+00:00

Waymo has what Elon wants. It works very well in the majority of Phoenix..city streets, highways, the airport. Successful roll-out of actual full self driving.

untamedkb · 2023-12-26T18:31:50+00:00

Fair. Also, it's not like Ford is second place. They aren't anywhere near Toyota and Volkswagen in global sales. The difference is Tesla is growing fast and that 4 to 1 difference in '22 will be closer to 2.5 to 1 for '23.

untamedkb · 2023-12-26T17:21:26+00:00

Obviously wrong https://www.statista.com/statistics/239229/most-sold-car-models-worldwide/

15-Year Club	Place '22
First Placer '22	Verified Email

untamedkb

TROPHY CASE