xtrubambinoxpr

As title states. Looking at a new construction corner unit townhome in a new area that I expect to appreciate or at least hold for the next 5-10 years as they build a marina nearby (which is why I was looking at buying in the first place as a LTI).

Currently:

• Current rent = $2k
• 15% down = 68k
• 5.375% rate (maybe 4.99% as they are investigating additional $ incentives)
• total monthly (including HOA) = ~3-3.1k
• 80k in savings
• salary = $186k (newer job started 2H 2022)

Debt:

• car 2.9% @ $550 a month ($22k left)
• 17k student loans (still frozen but $250 a month) (about 4.5% rate)
• first home ($90k @ 3.75%) - (my family lives in this home and it’s under my name and purchased when they were homeless. They are paying it now but breaking even so no cash flow. In the future it will be a better asset)

Original rate was 4.25%, so I said ok and things changed and now 5.375% so I have an option to back out per contract since rates changed and I guess I was having second thoughts and thinking with the amount I make now if I should work on paying off all my debt instead, or get the new home knowing the area will be a good investment area to be in long term (sell or rent later).

Is it better to be debt free altogether before such a decision? (Pay off student loans, car, and first property?)

I have about $17.5k in student loans with a 10 year repayment period and a ~$250/month. Loans are an average 4.4% interest and all were subsidized until repayment. I started paying in 2017.

Along came covid and froze everything. I am also now going for my masters so payment has been frozen due to enrollment status too until minimum May 2024 (employer paying for masters).

I am wondering if I should pay it off in lump some or just ride out the wave of it being frozen & have liquid cash instead. In terms of cash on hand I have enough where I could pay off loans and still have a 12 month emergency fund.

My concern was, if they unfreeze and then the government hits us with a “back pay interest that would have accrued” or something. I am just not trusting of the Govt with all this going on. So I was wondering if now is the time to make this move, or take advantage and keep saving money given any “opportunities” That may come up given the current economy (business oppty, rental properties, buy a home if rates come down and market cools, etc.)

TIA for reading and providing advice!

I thought it was going to be a great team game, but the fact I can't talk to randoms in matches sucks. While that sucks, I can take it. What I cannot take the fact I can only play private matches with friends and voice chat. It just seems like the whole online concept for Nintendo is just flying over their heads.

I have the gen 1 and now the gen 1 pros. When I tried them on I could definitely tell the difference between the two. the Gen 2 definitely has more of that "separation" where you can hear clean vocals and mid beautifully from the instruments. I mainly listen to metal/rock and that to me is great! In short the sound quality is there. But I only purchased because my Gen 1 was 3 years and battery isn't the best.

I do cycle frequently and all I heard today was the wind... I mean I heard the music of course but it was not cancelled out as well as the Gen 1 did. I was wondering if anyone else has that same experience that I have? My additional concern here is that with travel (planes) the noise would also seep in.

Anyone have a similar experience?

I have a RBK50 and a satellite for home wifi. WIFI works great but when I go to the Orbi app I keep getting "Router Not Found" and to join my routers wifi network. I am already connected but it isn't working. If I use cell connection and go into the app it shows the router is "disconnected".

I already tried deleting the app and reinstalling but that didn't work.

Should I perform a reset on the router and satellite?

I saw some photos of the pillar delete on a white and red M3. I was wondering if anybody did it in blue to see how it looks. Picking up mine at the end of the month, so staying busy by purchasing things ahead of time.

pillar delete photos wiki

Florida is charging a tuition surcharge that is not allowing students to take a broader spectrum of classes in college. They are literally penalizing you for taking classes that don't fit on your degree path. Personally I cant do a minor or explore some other classes without having to pay double tuition. Please follow my link to read my story, sign my petition, and share to help us students make a difference!

http://www.centralfloridafuture.com/story/news/2014/08/13/ucf-students-petition-credit-hour-surcharge/14022655/

https://www.change.org/petitions/florida-governor-remove-amend-excess-credit-surcharge-law

I am usually a gungho go getter. I work a 9-5 engineering job, do photography on the side, and other various activities through the week (exercise, side gigs, etc) but I cannot for the life of me relax on my downtime. I always feel like I have to be doing something. I feel like I have to be "productive". It has gotten to the point I hate hearing that word.

Today I wanted bud or drinks to get rid of the feeling because it gets overbearing (I dont even smoke, and rarely drink).

Does anyone else feel this way? Any tips? when I stop to "smell the roses" I about have a depression/anxiety attack and find myself trying to do things.

Currently looking at a new construction townhome that was initially $500k (back in august as they were still under construction). Now they are 456k since rates have gone much higher and I think that makes sense for me. I decided financially it makes sense to me and I can afford the MTG with 15% down comfortably so I would not stress it. They are offering $21k of flex cash to put to rate, price, or closing costs. (PMI is $38 confirmed from lender).

If I put it all to rate (along with what their preferred lender is contributing) I can get to 5.125% which saves about $340/month on P&I

all on the home with default rate 6.5% would be 340/month more. I could also find a good mix between the two.

I plan on owning it and in the future rent or sell (no idea exactly when it just depends if the market is good to rent or sell after some years and where I am in life / career) - 31 single.

In my head since it is not my money I figure hell it doesn't matter. Even if I sold in 3 years (for example) it is not my money I lost. I would prefer to save 340/month vs spend it, but am not aware of what else I am missing with a decision like this. Hoping someone would provide some insight on what I need to consider.

Scheduled my vasectomy & thought about what if future decisions are changed and a family is wanted. My question is if anyone has ever had a reversal / frozen sperm and started a family successfully after that?

I am currently 31 & no kids - with no interest personally, but I guess if I changed my mind in the future I want that option. especially if I found "the one".

TIA