After so many years together I can only imagine, still it will be better for both of you with this new arrangement. Hang in there John.As of yesterday at eleven AM, I am living only with the cat. It's strange.
I need to find some money for solar, I think there's 30% incentive from the IR Act based on the link @Changleen posted a couple of days ago...Taxes done. Went from owing $5k to getting $12k thanks to solar panels.
Up early, so studying until everyone wakes up.
I did the long math on it and ended up with a super low rate, long-term loan - 25yr@1.9%. I ended up with a fixed $140/m cost, but when I look at the saved growth on my principal vs. a 5- or 7-yr loan or large payment, it made absolute sense. Plus, if we end up moving, we get all of the initial home appreciation with none of the loss to investment capital growth (you need years to break even if you're not leveraging). And with the Xcel price increases this year alone, we're already ahead of the first 3yrs I had assumed for energy inflation, so we're break even monthly from where we were before. The whole thing makes absolute sense.I need to find some money for solar, I think there's 30% incentive from the IR Act based on the link @Changleen posted a couple of days ago...
bye bye booze!Cleaning out from a past life - emptying the liquor cabinet - there's a whole room in the basement with unopened stuff that's also going to go:
View attachment 191654
Backhoe license...bye bye booze!
currently doing the Mass backhoe license course so I can get a temporary permit. Dad wants to dig trenches in the garden and we are renting a piece of equipment.
You have to get a license to rent a piece of machinery? That’s wild.bye bye booze!
currently doing the Mass backhoe license course so I can get a temporary permit. Dad wants to dig trenches in the garden and we are renting a piece of equipment.
Man, I wish that making sense of solar panels didn't require a finance degree and years of research. Would love to get them on the roof, but having to create several spreadsheets just to figure out if it's a solid investment isn't worth it for me.I did the long math on it and ended up with a super low rate, long-term loan - 25yr@1.9%. I ended up with a fixed $140/m cost, but when I look at the saved growth on my principal vs. a 5- or 7-yr loan or large payment, it made absolute sense. Plus, if we end up moving, we get all of the initial home appreciation with none of the loss to investment capital growth (you need years to break even if you're not leveraging). And with the Xcel price increases this year alone, we're already ahead of the first 3yrs I had assumed for energy inflation, so we're break even monthly from where we were before. The whole thing makes absolute sense.
Sunrun was an absolute pain in my ass, but the super discounted price through Costco is really hard to argue though. I did shop around a ton still before I got to that one and ended up negotiating a low rate with them, because that wasn't one of the term/rate combos that had initially offered.
Not sure if that means there's another mini-sandwich just become a dependent or not...Tax-wise, my wife added some extra withholding so we no longer owe 5k ourselves. She is smrt.
no mini sandwich, she just added additional withholding to her paycheck. Could be the same in the end, but not having a large lump sum owed is nice.Not sure if that means there's another mini-sandwich just become a dependent or not...
Edit: also what cranks did you accidentally?
Taxes done
Fuck.Taxes
In theory, you need to have a license to operate the machinery. Some places are stricter than others about proving a licensed operator will be the one operating before they'll rent it to you.You have to get a license to rent a piece of machinery? That’s wild.
slept great and woke up without a care in the world!
Fuck.
slept great and woke up without a care in the world!
Fuck.
Probably the same four us, with just the two of us we use very little utilities.Re: solar, we had a consultation and got a quote. It's not worth it for us financially to make that change.
This the queens English?Probably the same four us, with just the two of us
this is the 4x i acquired from stoney last year.I guess that settlement did pay off!!!
breakfast burrito, hash brown, eggs, brisket, jalapeno, cheese.
Mass requires a license for certain types of machinery. California does not appear to (though I never rented anything on the larger side). In Mass the licensing appears to be focused on machines that can lift heavy objects and machines that dig. Training consisted ofYou have to get a license to rent a piece of machinery? That’s wild.
the link in your signature does not work for me. if you fix it we can donatesjust signed up to do the Bike MS Charity ride again. this year i'm gonna do the 100 mile route. last year a number of monkeys donated, which is much appreciated (all donations go to to the MS Society). link is in my sig if anyone would like to donate this year.
Get a bunch of estimates. I'll help with the projections. Tesla tend to be the least efficient since you have to front the principle that should be getting invested.Man, I wish that making sense of solar panels didn't require a finance degree and years of research. Would love to get them on the roof, but having to create several spreadsheets just to figure out if it's a solid investment isn't worth it for me.
Tax-wise, my wife added some extra withholding so we no longer owe 5k ourselves. She is smrt.
This.the link in your signature does not work for me. if you fix it we can donates