2021.10.18 05:18 CDressmepretty LBD 🖤
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2021.10.18 05:18 Lucas-Davenport House Hacking a Duplex in a HCOL Area?
My wife and I are exploring the idea of buying a duplex (to live in and rent out) and are curious about others experiences with something similar. We have been struggling with what to do next on the housing front We've gotten close to buying a place a few times but backed off (including once where we had an accepted offer but got cold feet over a sizable appraisal gap).
We'd initially been exploring either a condo ($1-1.2M plus HOA fees) or a single family home in a less desirable suburb for ($1.2-1.5). We've recently started more centrally located duplex and triplex properties in the $1.8-2M range. They tend to be located in more central areas where we wouldn't have to sacrifice some of the things about the city we love and where the owners unit would check a lot of our boxes where rents could cover roughly 50% of costs. We're curious about anyone who has experience taking on something similar or more generally any thoughts on this as an approach.
We’re in our mid-thirties with one young kid. I finished grad school in 2015 (with $250k in debt!!) so we’ve only been high earners for about 5 years. I left biglaw earlier this year to take an in-house job with a (MUCH) better lifestyle but lower long-term earning potential.
Household Income: $365 guaranteed, $440 if I hit my bonus and include our rental (bonus is a target of $60k but is not guaranteed, rental grosses $15k though we net less after taxes/expenses)
Net worth: $1.15M: Cash-$390k, Equity in existing rental (out of state)- $200k (we bought this out of a family member's estate and hence have never gone through a real home buying process), college savings $30k and retirement accounts - $520k, no debt (both cars owned outright and rental doesn't have a mortgage).
Current Housing – We live in a HCOL where we rent a 2bd/2ba condo for $3.1k. We’re happy with the place currently, but it won’t work long term (especially if we have a second kid). We’d like to get a 3bd place (I work from home and there’s a chance we’ll have a second kid).
Savings Rate –If we limit our housing expenses to $5k/month, I’m estimating that we’d be able to save approximately $80k (inclusive of retirement, college savings, and taxable) a year plus 100% of any bonus.
As I said curious about anyone that has been in a similar position or more generally any thoughts on what you'd do in our position.
submitted by Lucas-Davenport to FirstTimeHomeBuyer [link] [comments]
2021.10.18 05:18 Duetro7 This is relating to my last post, just some more pictures
2021.10.18 05:18 iisamuffin Vent
I 16m used to have behavioral outbursts at school eg. yelling and throwing tables. I really regret my actions and it has gotten to a point to where I might not graduate on time. I am trying to prove to everyone I know that I have learned to control my behavior but sometimes it’s really difficult. I am catching up on assessments very quickly tho so there is a possibility I can gain enough credits to graduate on time but this Much school work is causing me serious anxiety.
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2021.10.18 05:18 Nova_Clashofclans [Recruiting] nova | Townhall 1+ | Clan Level 1 | Social/War/War Farming/Donations | Independent | TAG #2QOGVVPLV
Great starter clan to join for low town hall and beginners or experienced clashers. I created this clan to have a great, war heavy clan and a social one. Here is the clan tag #2QOGVVPLV as I posted on the title. I myself am townhall 9 that is not yet maxed but I am progressing with my upgrades. To cover how donations work, I myself frequently donate to the clan. If you have decided on joining my clan nova I would be expecting you to donate as well. (Your choice).
US based clan
Have a great time clashing :)
Hopefully you take my clan into consideration.
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2021.10.18 05:18 The_Dank_Tortuga *Confused Screaming Intensifies*
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2021.10.18 05:18 Greyhound028 When The
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2021.10.18 05:18 Dirt_Bike_Dog679 I need some advice on how I should confess and what to do if she says yes.
To start of, we are both 15. So there is this girl that I'm starting to like in my 7th period and we recently started talking to each other but it's still pretty early so not too much is said. And it's not super awkward, it's just that we don't know enough about each other to have a really long conversation ya know. So I don't know if I should wait longer to confess so we get more comfortable with talking, or should I do it really soon? And how do I tell her, through text, or irl? When do I tell her? What do I do if it's mutual? What do I do if it's not? And how do I keep it from getting awkward between us? If it's mutual how should we meet up somewhere other than school, and where? And since I don't have her Snapchat or phone number yet, how should I ask for that? Yes I know a lot of questions, but I really need answers to these questions, because I really want this to work. And if there are any other things I forgot that is important, please tell me. Thank you to anyone that does reply if I don't respond to it.
submitted by Dirt_Bike_Dog679 to relationship_advice [link] [comments]
2021.10.18 05:18 ESHA-USMAN-2002 Suzune Glow Art
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2021.10.18 05:18 ExplosiveDerpBoi south asia in a nutshell
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2021.10.18 05:18 delajonathan Selling Sat + Sun portion of EDC, DM me!
2021.10.18 05:18 KavitaShri_D Stop consuming alcohol. There are four important organs of the body.
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2021.10.18 05:18 Clark37 Moving with my mom and roommate to NYC so that we can satisfy our HP obsession. AMA. Also if you want to donate to help keep me sane pm me.
2021.10.18 05:18 Wolf_ClawX4 Current or former athletes of Reddit, if you ever accidentally caused an injury to another player, how did you wrap your head around it?
2021.10.18 05:18 svanapps Millennials pull crypto out of the shadows in India
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2021.10.18 05:18 Abrocoma_Gloomy "the hardest choices take the strongest wills"
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2021.10.18 05:18 TrendingBot [TRENDING] /r/CFB - The Internet's Tailgate (+1,436 subscribers today; 146% trend score)
2021.10.18 05:18 C-dubbzz New AM 2022
I just got my offer letter a week or so ago through university ops. What does success look like in this position? Not to be cocky, I’ve done well in past management experiences. I know this is a different beast, I just want to do well.
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2021.10.18 05:18 NattoRiceFurikake I will forever be salty…
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2021.10.18 05:18 Sadboy_looking4memes I'm starting a campaign office in my town, let's set one up in yours.
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2021.10.18 05:18 tehnoodnub Help generating a variable which contains the percentile for each observation
I thought the answer to this would be easily searchable but I can't quite find what I want. I understand how to have Stata produce the, for example, 90th percentile for a group of observations:
bysort type period: egen p90 = pctile(rating), p(90)
But how can I generate a variable that tells me the percentile for each observation? As in, the company's score for this 'type' and in this 'period' was in the xth percentile.
Data is in long format so it looks something like this:
|Type||Period||Rating (out of 100)||Percentile|
2021.10.18 05:18 Botlecappp CNN has added Bitcoin as an official currency alongside the dollar, euro, and yen
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2021.10.18 05:18 FlorkofcowsForReal que?
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2021.10.18 05:18 RowdyRandallll If y’all want $42 off your first $100 order use this link, stop smoking boof and pick up from a dispo :)
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2021.10.18 05:18 DarkShadowWarrior234 I feel like you should be able to drop gems on purpose
You should be able to do that IMO. Let’s say you’re a very aggressive brawler, like Mortis and you just so happen to have a bunch of gems. I think you should be able to drop those gems for your other teammates since Mortis needs to be up close and personal with his enemies and he can’t do that if he has all the gems at risk. Although I’m not sure how they would prevent randoms from giving enemies gems
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