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mmmmm...beer

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mmmmm...beer last won the day on August 28 2020

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About mmmmm...beer

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    FF Geek

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    Oregon

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  1. mmmmm...beer

    2023 Wrap Up

    Rollover
  2. mmmmm...beer

    The Playoffs - 2023 Edition

    Congrats Neckbeard!
  3. That's pretty cool. Last regular season game. Divisional # 1 & 2... a win by 4077 clinches the division by record alone. If the Sweatermeats snag the win regular season record is a tie and the total points will go to the Meats. Good job on the upset Peaces! How exciting!
  4. mmmmm...beer

    I turned....

    This... seriously. Time has excellerated.
  5. mmmmm...beer

    I turned....

    Ohh yeah we have the same birthday... 49 for me.
  6. mmmmm...beer

    What to do with $300k?

    Boat sailed on weed a few years ago. Now it's cut throat...
  7. mmmmm...beer

    What to do with $300k?

    Yeah good post. Most of the business/rental stuff will be when we return in 3 years. I'll be retired so want an income just tooling around.
  8. mmmmm...beer

    What to do with $300k?

    Nope... the mainland, like 40 mins SW of Tokoyo
  9. mmmmm...beer

    What to do with $300k?

    Wife applied and got a job that will move us there to an Army base, she's a fed civ employee. I can retire next year when I turn 50. Win win...
  10. mmmmm...beer

    What to do with $300k?

    Yeah my Old man is a rentals guy... 14 plexes several 6 plexes etc. That being said... feels like we're waaaay over valued right now. Don't want to go the way of the Jerry.... You're exactly right @Whitewonder w'll see what it looks like in 3 years. Maybe we crash and there's shiz to buy.
  11. mmmmm...beer

    What to do with $300k?

    I already have one and have talked about it a few times in here. Discover Bank Savings account. I started it in July and I currently have about $13k in there. I've been saving for a gap fund between retirement and pension kicking in. It has a current rate of 4.35%.
  12. mmmmm...beer

    What to do with $300k?

    Current mortgage is $2300. Say we could rent it for $3500. $3500 - 2300 = $1200 - 8% management fee = $1,104 x 12 months = $13,248 a year (not counting any maintenance ie appliances/furnace going out) or paying taxes on that $13K as well. For that little... $300k × 4.3% savings account interest = $12,900/yr not even compounded. With zero risk.
  13. mmmmm...beer

    What to do with $300k?

    I'll tell you what I'd do...
  14. mmmmm...beer

    What to do with $300k?

    I really don't want the stress of living in Japan worrying that some idiots are destroying my nearly $700k house back in the States. Also... I didn't mention, the .gov is paying the realtor fees for the sale of the current home. That's a 6% gain for us we won't have to pay. So...$40k'ish savings.
  15. mmmmm...beer

    What to do with $300k?

    Yeah I get you. Though I like the idea of a set it and forget it. "You may not be able to predict the performance of the S&P 500 Index for the next 20 years, but you are not alone. In one of his annual letters to shareholders, Warren Buffett included an excerpt from his will that ordered his children’s inheritance to be placed in an S&P 500 Index fund because the “long-term results from this policy will be superior to those attained by most investors—whether pension funds, institutions, or individuals who employ high-fee managers.” Unpack that a little. Here's a guy who makes his money being the last thing on that list right? Essentially saying, we high-fee managers can't beat the index.
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