Winchester storage building prices
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2024.06.02 20:08 Aware-Patience2846 I'm trying to write a book but can't find a good software!
I've been looking for a good software to write my novel, but I haven't found one that suits my needs yet. Microsoft Word is out of the question due to its pricing structure, which feels like a manipulation tactic with its constant nudges to buy more storage. Scrivener, while it seems useful, is quite expensive at $60. For that price, I might as well receive a free ream of paper! It's frustrating to encounter these barriers, especially when all I want to do is write
submitted by Aware-Patience2846 to selfpublish [link] [comments]
2024.06.02 20:07 mr_pablo Best UK retailer?
Looking to get some 30mm models to build but UK prices seem hit and miss and a lot of places I've found don't have much in stock.
Any recommendations on where to look for good prices and stock availability?
submitted by mr_pablo to 30_Minutes_Missions [link] [comments]
Any recommendations on where to look for good prices and stock availability?
2024.06.02 20:06 RobertTheWorldMaker Retirement at 80?
So, I'm 46 and semi-retired. I'll be retiring completely in January 2026, and I've been noticing a trend with my generation after talking with others around the same age who are saying they have no hope of retiring in their sixties.
We range from 43 to 59, and a fuckton of us either got screwed by boomer bosses and coworkers who refuse to either get out of the damn way or underpaid so many of us for so long that there's just nothing for retirement. If you're 40+ and have nothing for retirement, you may end up having to work into your 70s and 80s.
Now, I got kind of lucky in some ways I won't go into (no not inheritance or lotto), but I can't help but think that this is going to be a big problem for the vast majority of us.
And look, I know we basically invented edgy cynicism and casual apathy...and I love it as much as the next Xer.
But I can't help but think we should probably start figuring out some solutions to this problem now.
Unless y'all really want to work until you die.
Just to throw out a few possible solutions:
-A group of Xers chip in together, buy land parcels, and build low cost modular homes or small apartment complexes to provide to fellow Xers so that the cost of housing is reduced to power and maintenance and not a mortgage or massive rent. So instead of paying a mortgage that is exhorbinate over time, the price you pay is just the price of making it exist, or in special cases, 'donating it'.
This assumes it is possible to either work from home or establish a surrounding community of local businesses if land is purchased somewhere not otherwise convenient for work.
-An Xer focused credit union that allows Xers to debt refinance without high interest, instead tacking on a small fee for the service and pay down the debts without other interest, thus allowing for savings and investments to be made.
Just to throw out two ideas centered around reducing debt and increasing the amount of money available to live and eventually 'retire'.
The alternative appears to either do nothing, or pretend we're fucking Boomers and yammer on with empty platitudes like something, something, bootstraps and avocado toast, and then do nothing.
I know for a lot of y'all this seems far off, but it isn't. Just yesterday you were 20 something, but now you're 40 something or worse, and shit ain't getting any cheaper.
What do you say? Shall we talk solutions?
submitted by RobertTheWorldMaker to GenX [link] [comments]
We range from 43 to 59, and a fuckton of us either got screwed by boomer bosses and coworkers who refuse to either get out of the damn way or underpaid so many of us for so long that there's just nothing for retirement. If you're 40+ and have nothing for retirement, you may end up having to work into your 70s and 80s.
Now, I got kind of lucky in some ways I won't go into (no not inheritance or lotto), but I can't help but think that this is going to be a big problem for the vast majority of us.
And look, I know we basically invented edgy cynicism and casual apathy...and I love it as much as the next Xer.
But I can't help but think we should probably start figuring out some solutions to this problem now.
Unless y'all really want to work until you die.
Just to throw out a few possible solutions:
-A group of Xers chip in together, buy land parcels, and build low cost modular homes or small apartment complexes to provide to fellow Xers so that the cost of housing is reduced to power and maintenance and not a mortgage or massive rent. So instead of paying a mortgage that is exhorbinate over time, the price you pay is just the price of making it exist, or in special cases, 'donating it'.
This assumes it is possible to either work from home or establish a surrounding community of local businesses if land is purchased somewhere not otherwise convenient for work.
-An Xer focused credit union that allows Xers to debt refinance without high interest, instead tacking on a small fee for the service and pay down the debts without other interest, thus allowing for savings and investments to be made.
Just to throw out two ideas centered around reducing debt and increasing the amount of money available to live and eventually 'retire'.
The alternative appears to either do nothing, or pretend we're fucking Boomers and yammer on with empty platitudes like something, something, bootstraps and avocado toast, and then do nothing.
I know for a lot of y'all this seems far off, but it isn't. Just yesterday you were 20 something, but now you're 40 something or worse, and shit ain't getting any cheaper.
What do you say? Shall we talk solutions?
2024.06.02 20:05 flaconn Debating whether to rent or buy – can anyone validate or refute this analysis? (West Coast USA)
Hi everyone – as the title says, trying to make a decision in this high interest rate + high home price environment. Currently renting a condo I could buy from the owner, all details below. I've used AI and plugged in assumptions about year over year increases in both scenarios, like HOA dues, rent increases, etc. The big assumption that has me leaning towards renting (and seemingly validated by AI) is if I take the down payment and monthly savings on rent vs buy and invest that in the stock market (e.g. S&P 500 index fund). What do you all think about this?
x-posting from RealEstate as I value this community's feedback more than most. Work in software sales, last 5 years W2s > $200k, last 3 years > $300k so not concerned about whether I can afford it but rather what makes more financial sense
Renting Initial Monthly Rent: $3,200 Annual Rent Increase: 10% Investment Return: 7% annually Down Payment for Investment: $157,000 Future Rent Costs Over 5 Years Year 1: $3,200 * 12 = $38,400 Year 2: $3,520 * 12 = $42,240 Year 3: $3,872 * 12 = $46,464 Year 4: $4,259.20 * 12 = $51,110.40 Year 5: $4,685.12 * 12 = $56,221.44 Total Rent Paid Over 5 Years: $38,400 + $42,240 + $46,464 + $51,110.40 + $56,221.44 = $234,436.80 Buying Home Price: $785,000 Initial HOA Dues: $785/month Annual HOA Increase: 10% Interest Rate: 7% Down Payment: 20% ($157,000) Loan Amount: $628,000 Mortgage Payment (30-year fixed rate loan): $4,178/month Future HOA Costs Over 5 Years Year 1: $785 * 12 = $9,420 Year 2: $863.50 * 12 = $10,362 Year 3: $949.85 * 12 = $11,398.20 Year 4: $1,044.83 * 12 = $12,537.96 Year 5: $1,149.32 * 12 = $13,791.84 Total HOA Paid Over 5 Years: $9,420 + $10,362 + $11,398.20 + $12,537.96 + $13,791.84 = $57,510 Additional Costs (Remains the same as before) Property Taxes: $818/month * 60 months = $49,080 Homeowners Insurance: $67/month * 60 months = $4,020 Maintenance Costs: $654/month * 60 months = $39,240 Total Cost of Ownership Over 5 Years Total Mortgage Payments: $4,178 * 60 months = $250,680 Total HOA Payments: $57,510 Total Property Taxes: $49,080 Total Homeowners Insurance: $4,020 Total Maintenance Costs: $39,240 Total Cost of Ownership: $250,680 + $57,510 + $49,080 + $4,020 + $39,240 = $400,530 Equity Accumulation and Appreciation Principal Paid in Mortgage: Estimating 30% of total mortgage payments go towards principal repayment: 0.30 * $250,680 = $75,204 Home Appreciation: 3% per year FV = $785,000 * (1 + 0.03)^5 = $909,515 Net Gain from Buying Future Home Value: $909,515 Initial Home Value: $785,000 Appreciation Gain: $124,515 Equity Build-Up: $75,204 Total Gain in Equity and Appreciation: $124,515 + $75,204 = $199,719 Investment Returns from Savings and Down Payment Let's calculate the returns from both the monthly savings and the initial down payment investment. Monthly Savings Monthly Cost of Owning: $6,502 (as calculated previously) Monthly Rent: $3,200 (initially) Annual Savings Invested Year 1: $(6,502 - 3,200) * 12 = $39,624 Year 2: $(6,820.20 - 3,520) * 12 = $39,609.60 Year 3: $(7,164.21 - 3,872) * 12 = $39,514.52 Year 4: $(7,535.42 - 4,259.20) * 12 = $39,307.92 Year 5: $(7,935.31 - 4,685.12) * 12 = $39,002.28 Investment Growth For simplicity, let's assume each year's savings are invested at the end of the year and grow at 7% annually: End of Year 1: $39,624 * (1 + 0.07)^4 = $52,078.79 End of Year 2: $39,609.60 * (1 + 0.07)^3 = $48,638.05 End of Year 3: $39,514.52 * (1 + 0.07)^2 = $45,246.02 End of Year 4: $39,307.92 * (1 + 0.07)^1 = $42,059.47 End of Year 5: $39,002.28 (no growth yet) Total Monthly Investment Value: $52,078.79 + $48,638.05 + $45,246.02 + $42,059.47 + $39,002.28 = $227,024.61 Down Payment Investment Initial Down Payment: $157,000 Investment Growth Over 5 Years: $157,000 * (1 + 0.07)^5 = $220,319.36 Total Investment Returns: $227,024.61 (monthly savings) + $220,319.36 (down payment) = $447,343.97 Comparison Over 5 Years Cost of Renting: $234,436.80 Investment Returns: $447,343.97 Net Cost of Renting: $234,436.80 - $447,343.97 = -$212,907.17 (net gain from renting due to investments) Net Cost of Buying: $400,530 - $199,719 = $200,811 Conclusion When accounting for the investment returns on both the saved monthly rent and the initial down payment, renting appears to be significantly more financially advantageous over the next 5 years. The net gain from renting, factoring in investment returns, is approximately $212,907.17, compared to a net cost of $200,811 for buying.
submitted by flaconn to HENRYfinance [link] [comments]
x-posting from RealEstate as I value this community's feedback more than most. Work in software sales, last 5 years W2s > $200k, last 3 years > $300k so not concerned about whether I can afford it but rather what makes more financial sense
Renting Initial Monthly Rent: $3,200 Annual Rent Increase: 10% Investment Return: 7% annually Down Payment for Investment: $157,000 Future Rent Costs Over 5 Years Year 1: $3,200 * 12 = $38,400 Year 2: $3,520 * 12 = $42,240 Year 3: $3,872 * 12 = $46,464 Year 4: $4,259.20 * 12 = $51,110.40 Year 5: $4,685.12 * 12 = $56,221.44 Total Rent Paid Over 5 Years: $38,400 + $42,240 + $46,464 + $51,110.40 + $56,221.44 = $234,436.80 Buying Home Price: $785,000 Initial HOA Dues: $785/month Annual HOA Increase: 10% Interest Rate: 7% Down Payment: 20% ($157,000) Loan Amount: $628,000 Mortgage Payment (30-year fixed rate loan): $4,178/month Future HOA Costs Over 5 Years Year 1: $785 * 12 = $9,420 Year 2: $863.50 * 12 = $10,362 Year 3: $949.85 * 12 = $11,398.20 Year 4: $1,044.83 * 12 = $12,537.96 Year 5: $1,149.32 * 12 = $13,791.84 Total HOA Paid Over 5 Years: $9,420 + $10,362 + $11,398.20 + $12,537.96 + $13,791.84 = $57,510 Additional Costs (Remains the same as before) Property Taxes: $818/month * 60 months = $49,080 Homeowners Insurance: $67/month * 60 months = $4,020 Maintenance Costs: $654/month * 60 months = $39,240 Total Cost of Ownership Over 5 Years Total Mortgage Payments: $4,178 * 60 months = $250,680 Total HOA Payments: $57,510 Total Property Taxes: $49,080 Total Homeowners Insurance: $4,020 Total Maintenance Costs: $39,240 Total Cost of Ownership: $250,680 + $57,510 + $49,080 + $4,020 + $39,240 = $400,530 Equity Accumulation and Appreciation Principal Paid in Mortgage: Estimating 30% of total mortgage payments go towards principal repayment: 0.30 * $250,680 = $75,204 Home Appreciation: 3% per year FV = $785,000 * (1 + 0.03)^5 = $909,515 Net Gain from Buying Future Home Value: $909,515 Initial Home Value: $785,000 Appreciation Gain: $124,515 Equity Build-Up: $75,204 Total Gain in Equity and Appreciation: $124,515 + $75,204 = $199,719 Investment Returns from Savings and Down Payment Let's calculate the returns from both the monthly savings and the initial down payment investment. Monthly Savings Monthly Cost of Owning: $6,502 (as calculated previously) Monthly Rent: $3,200 (initially) Annual Savings Invested Year 1: $(6,502 - 3,200) * 12 = $39,624 Year 2: $(6,820.20 - 3,520) * 12 = $39,609.60 Year 3: $(7,164.21 - 3,872) * 12 = $39,514.52 Year 4: $(7,535.42 - 4,259.20) * 12 = $39,307.92 Year 5: $(7,935.31 - 4,685.12) * 12 = $39,002.28 Investment Growth For simplicity, let's assume each year's savings are invested at the end of the year and grow at 7% annually: End of Year 1: $39,624 * (1 + 0.07)^4 = $52,078.79 End of Year 2: $39,609.60 * (1 + 0.07)^3 = $48,638.05 End of Year 3: $39,514.52 * (1 + 0.07)^2 = $45,246.02 End of Year 4: $39,307.92 * (1 + 0.07)^1 = $42,059.47 End of Year 5: $39,002.28 (no growth yet) Total Monthly Investment Value: $52,078.79 + $48,638.05 + $45,246.02 + $42,059.47 + $39,002.28 = $227,024.61 Down Payment Investment Initial Down Payment: $157,000 Investment Growth Over 5 Years: $157,000 * (1 + 0.07)^5 = $220,319.36 Total Investment Returns: $227,024.61 (monthly savings) + $220,319.36 (down payment) = $447,343.97 Comparison Over 5 Years Cost of Renting: $234,436.80 Investment Returns: $447,343.97 Net Cost of Renting: $234,436.80 - $447,343.97 = -$212,907.17 (net gain from renting due to investments) Net Cost of Buying: $400,530 - $199,719 = $200,811 Conclusion When accounting for the investment returns on both the saved monthly rent and the initial down payment, renting appears to be significantly more financially advantageous over the next 5 years. The net gain from renting, factoring in investment returns, is approximately $212,907.17, compared to a net cost of $200,811 for buying.
2024.06.02 20:05 ssaem [UK] [H] Bear65 V2 (E-purple, WKL), Dalco 959 Mini (Silver, WK), Bauer 2 (Black/Brass), TGR 910 v2 ME (Midnight Green), AlephKey Beige Keycaps [W] PayPal
Timestamp
Prices include UK shipping, but I'm happy to ship internationally if you cover the difference. If interested, please send a PM and not a chat message.
submitted by ssaem to mechmarket [link] [comments]
| Item | Description | Price |
|---|---|---|
| Bear65 V2 [Photos] | E-purple WKL version with bear logo and e-white brass weight. Bought this new as B-stock, but I can't find why it's B-stock because it looks flawless externally. Includes desoldered PCB, PC plate, gaskets pre-applied to case. | £300 |
| Dalco 959 Mini [Photos] | New, never built. Silver WK version from the original GB. I installed the feet when this first arrived, but one has since lost its adhesion -- I'll include it anyway if you want to reattach it with double sided tape or something. Includes everything it originally shipped with: solder PCB, daughterboard, alu plate, o-ring, Kaban, etc. | £550 |
| Bauer 2 Black / Brass [Photos] | Mill-Maxed PCB. Some scuffs on the plate around switch cut-outs that are largely hidden by switches. Minimal brass patina on the back, around the USB port, and inside. Small marks on inside. | £425 |
| TGR 910 v2 ME [Photos] | New, never built. A-stock Midnight Green with silver backplate. Feet were installed, the case disassembled, and stabs put on PCB (not included) when it first arrived, but I never got around to building it. | £550 |
| AlephKey Beige PBT Keycaps | New, never mounted. Cheap beige dye-sub set from Taobao with Zhuyin sublegends and Cangjie sideprinted legends. Kitting/example photos here. Will ship in bags. | £20 |
2024.06.02 20:04 AdLow3838 Use homebase but connect to regular wifi?
I have a really large building with a mesh wifi system, I can't keep all the cameras in range of the homebase, can they still connect to it over my wifi? These are standalone cameras that don't require the homebase, so worst case, I can keep them on wifi with local storage.
submitted by AdLow3838 to EufyCam [link] [comments]
2024.06.02 20:03 NotAThrowaway4Hentai Is pairing an £800 monitor with a £1400 PC a stupid idea?
I'm happy with the PC build since it should be able to run everything I want it to consistently and smoothly with a 7900 gre and Ryzen 5 7600X. I'm planning on pairing it with a AW2725DF.
I really wanted to upgrade to an OLED screen, since my number one priority in using the PC is the viewing quality and experience. But some of my friends say that I should spend no more than around 30% of the PC's price on the monitor, and I've spend almost 60% here. Is this a bad idea, and should I stick with a cheaper monitor?
submitted by NotAThrowaway4Hentai to buildapc [link] [comments]
I really wanted to upgrade to an OLED screen, since my number one priority in using the PC is the viewing quality and experience. But some of my friends say that I should spend no more than around 30% of the PC's price on the monitor, and I've spend almost 60% here. Is this a bad idea, and should I stick with a cheaper monitor?
2024.06.02 20:01 FollowThePostcard 35 [M4F] Central Oregon/PNW. A tall, outdoorsy dude who would like to rides bikes and eat pizza with you.
It's storming this morning so I'm not going out to ride and I'm putting off cleaning the house by creating this post.
About Me:
I made this Slide Deck that I think does a better job capturing me, and it has photos.
Mountain biking, skate skiing, open-water swimming, and hiking are my main sports, and I'd like to share some of these sports with you. Somebody who also loves to be on two wheels would be a great match as I find myself feeling most complete when sharing the forest trails with another person. I'm not extreme about my rides, I'm not pushing for KOMs or doing big drops for the steeze -- Nothing wrong with that, but I'm here to have fun and be able to ride or hike again tomorrow.
I'm pretty fit but not a gym dude, a bit of a gearhead, and I love getting out into the wilderness. When not spending time in the wild, I tend to toe the line between a homebody introvert and an event-going extrovert. I don't drink or smoke weed, so the bar scene isn't my jam, but you can catch me at a screening, reading at a cafe, enjoying the local arts scene, or at Friday Night Magic.
Also! Over the last few years, I've done a lot of work in therapy and focusing on myself, and I continually seek to grow and improve as a person. As a result, I feel at peace with myself and am excited to share it with you.
Last, my politics are left, and I'm actively engaged; I show up to protests and volunteer for voter outreach, I call out local businesses that act badly towards our community, and I believe that building a bigger table for the working class is the only way forward as a society.
About You:
I'm flexible about many things, but I'm searching for a partner who is single and monogamous, considerate, kind, and loving.
Also, I'd like a partner with the same-ish level of outdoor engagement and fitness level as me. Most people like being outdoors, hiking, camping, etc., and are interested in things like XC skiing, biking, and backpacking, but... I do them. A lot. I want to meet someone with the same natural inclinations as me to push out into the backcountry, holler down flow trails, and plan trips into new locations around the US/World.
I'm a big believer in partnerships, where both partners are seen and heard and make space for each other needs and wants. I also hope nonviolent communication is a big part of how you talk to others and yourself.
Oh! Also, I can't have any kids of my own (Vasectomy), so if that matters to you, I won't be a good match.
Wrapping up!
In closing, Bend, Oregon, feels like my place. I'm putting down roots - I have a community of fellow remote workers who are becoming more and more of a family. Bend is a place where everyone seems open to making new friends as it's attracted outdoorsy transplants who have been priced out of everywhere else in close proximity to wilderness -- so it's home. My roots are here.
If I sound like a match for you, message me, and let's chat.
submitted by FollowThePostcard to cf4cf [link] [comments]
About Me:
I made this Slide Deck that I think does a better job capturing me, and it has photos.
Mountain biking, skate skiing, open-water swimming, and hiking are my main sports, and I'd like to share some of these sports with you. Somebody who also loves to be on two wheels would be a great match as I find myself feeling most complete when sharing the forest trails with another person. I'm not extreme about my rides, I'm not pushing for KOMs or doing big drops for the steeze -- Nothing wrong with that, but I'm here to have fun and be able to ride or hike again tomorrow.
I'm pretty fit but not a gym dude, a bit of a gearhead, and I love getting out into the wilderness. When not spending time in the wild, I tend to toe the line between a homebody introvert and an event-going extrovert. I don't drink or smoke weed, so the bar scene isn't my jam, but you can catch me at a screening, reading at a cafe, enjoying the local arts scene, or at Friday Night Magic.
Also! Over the last few years, I've done a lot of work in therapy and focusing on myself, and I continually seek to grow and improve as a person. As a result, I feel at peace with myself and am excited to share it with you.
Last, my politics are left, and I'm actively engaged; I show up to protests and volunteer for voter outreach, I call out local businesses that act badly towards our community, and I believe that building a bigger table for the working class is the only way forward as a society.
About You:
I'm flexible about many things, but I'm searching for a partner who is single and monogamous, considerate, kind, and loving.
Also, I'd like a partner with the same-ish level of outdoor engagement and fitness level as me. Most people like being outdoors, hiking, camping, etc., and are interested in things like XC skiing, biking, and backpacking, but... I do them. A lot. I want to meet someone with the same natural inclinations as me to push out into the backcountry, holler down flow trails, and plan trips into new locations around the US/World.
I'm a big believer in partnerships, where both partners are seen and heard and make space for each other needs and wants. I also hope nonviolent communication is a big part of how you talk to others and yourself.
Oh! Also, I can't have any kids of my own (Vasectomy), so if that matters to you, I won't be a good match.
Wrapping up!
In closing, Bend, Oregon, feels like my place. I'm putting down roots - I have a community of fellow remote workers who are becoming more and more of a family. Bend is a place where everyone seems open to making new friends as it's attracted outdoorsy transplants who have been priced out of everywhere else in close proximity to wilderness -- so it's home. My roots are here.
If I sound like a match for you, message me, and let's chat.
2024.06.02 20:01 RandomNubGuy Best cooling for this build?
I've chosen the core parts for my pc: CaU, GPU, Ram, Storage. But I'm not sure about the cooling such as the case, cpu cooler and extra fans.
My budget is around 2400 in total so I have $400 remaining to spend on this.
It looks like this so far; (it's for gaming / game development / blender) PCPartPicker Part List
I'm not concerned about aesthetics I just want the best possible cooling and lowest temperatures, fan noise is best if low but honestly doesn't matter too much since my room is alr noisy. I don't need RGB if it's the best for cooling but I'll take it any day. Lemme know what you think!
submitted by RandomNubGuy to buildapc [link] [comments]
My budget is around 2400 in total so I have $400 remaining to spend on this.
It looks like this so far; (it's for gaming / game development / blender) PCPartPicker Part List
| Type | Item | Price |
|---|---|---|
| CPU | AMD Ryzen 9 7950X 4.5 GHz 16-Core Processor | $460.00 |
| Motherboard | MSI B650 GAMING PLUS WIFI ATX AM5 Motherboard | $169.99 @ MSI |
| Memory | TEAMGROUP T-Force Delta RGB 64 GB (2 x 32 GB) DDR5-6000 CL38 Memory | $184.99 @ Amazon |
| Storage | SK Hynix Platinum P41 2 TB M.2-2280 PCIe 4.0 X4 NVME Solid State Drive | $150.00 |
| Video Card | PNY VERTO OC GeForce RTX 4080 SUPER 16 GB Video Card | $969.99 @ Newegg |
| Power Supply | Cooler Master MWE Gold 850 - V2 850 W 80+ Gold Certified Fully Modular ATX Power Supply | $94.99 @ Amazon |
| Prices include shipping, taxes, rebates, and discounts | ||
| Total | $2029.96 | |
| Generated by PCPartPicker 2024-06-02 13:56 EDT-0400 |
2024.06.02 20:00 flaconn Debating whether to rent or buy – can anyone validate or refute this analysis? (West Coast USA)
Hi everyone – as the title says, trying to make a decision in this high interest rate + high home price environment. Currently renting a condo I could buy from the owner, all details below. I've used AI and plugged in assumptions about year over year increases in both scenarios, like HOA dues, rent increases, etc. The big assumption that has me leaning towards renting (and seemingly validated by AI) is if I take the down payment and monthly savings on rent vs buy and invest that in the stock market (e.g. S&P 500 index fund). Given these parameters, which do you think makes the most sense financially? Anything I'm missing?
Renting Initial Monthly Rent: $3,200 Annual Rent Increase: 10% Investment Return: 7% annually Down Payment for Investment: $157,000
Future Rent Costs Over 5 Years Year 1: $3,200 * 12 = $38,400 Year 2: $3,520 * 12 = $42,240 Year 3: $3,872 * 12 = $46,464 Year 4: $4,259.20 * 12 = $51,110.40 Year 5: $4,685.12 * 12 = $56,221.44 Total Rent Paid Over 5 Years: $38,400 + $42,240 + $46,464 + $51,110.40 + $56,221.44 = $234,436.80
Buying Home Price: $785,000 Initial HOA Dues: $785/month Annual HOA Increase: 10% Interest Rate: 7% Down Payment: 20% ($157,000) Loan Amount: $628,000 Mortgage Payment (30-year fixed rate loan): $4,178/month
Future HOA Costs Over 5 Years Year 1: $785 * 12 = $9,420 Year 2: $863.50 * 12 = $10,362 Year 3: $949.85 * 12 = $11,398.20 Year 4: $1,044.83 * 12 = $12,537.96 Year 5: $1,149.32 * 12 = $13,791.84 Total HOA Paid Over 5 Years: $9,420 + $10,362 + $11,398.20 + $12,537.96 + $13,791.84 = $57,510
Additional Costs (Remains the same as before) Property Taxes: $818/month * 60 months = $49,080 Homeowners Insurance: $67/month * 60 months = $4,020 Maintenance Costs: $654/month * 60 months = $39,240
Total Cost of Ownership Over 5 Years Total Mortgage Payments: $4,178 * 60 months = $250,680 Total HOA Payments: $57,510 Total Property Taxes: $49,080 Total Homeowners Insurance: $4,020 Total Maintenance Costs: $39,240 Total Cost of Ownership: $250,680 + $57,510 + $49,080 + $4,020 + $39,240 = $400,530
Equity Accumulation and Appreciation Principal Paid in Mortgage: Estimating 30% of total mortgage payments go towards principal repayment: 0.30 * $250,680 = $75,204 Home Appreciation: 3% per year FV = $785,000 * (1 + 0.03)^5 = $909,515
Net Gain from Buying Future Home Value: $909,515 Initial Home Value: $785,000 Appreciation Gain: $124,515 Equity Build-Up: $75,204 Total Gain in Equity and Appreciation: $124,515 + $75,204 = $199,719
Investment Returns from Savings and Down Payment Let's calculate the returns from both the monthly savings and the initial down payment investment.
Monthly Savings Monthly Cost of Owning: $6,502 (as calculated previously) Monthly Rent: $3,200 (initially)
Annual Savings Invested Year 1: $(6,502 - 3,200) * 12 = $39,624 Year 2: $(6,820.20 - 3,520) * 12 = $39,609.60 Year 3: $(7,164.21 - 3,872) * 12 = $39,514.52 Year 4: $(7,535.42 - 4,259.20) * 12 = $39,307.92 Year 5: $(7,935.31 - 4,685.12) * 12 = $39,002.28
Investment Growth For simplicity, let's assume each year's savings are invested at the end of the year and grow at 7% annually: End of Year 1: $39,624 * (1 + 0.07)^4 = $52,078.79 End of Year 2: $39,609.60 * (1 + 0.07)^3 = $48,638.05 End of Year 3: $39,514.52 * (1 + 0.07)^2 = $45,246.02 End of Year 4: $39,307.92 * (1 + 0.07)^1 = $42,059.47 End of Year 5: $39,002.28 (no growth yet) Total Monthly Investment Value: $52,078.79 + $48,638.05 + $45,246.02 + $42,059.47 + $39,002.28 = $227,024.61
Down Payment Investment Initial Down Payment: $157,000 Investment Growth Over 5 Years: $157,000 * (1 + 0.07)^5 = $220,319.36 Total Investment Returns: $227,024.61 (monthly savings) + $220,319.36 (down payment) = $447,343.97
Comparison Over 5 Years Cost of Renting: $234,436.80 Investment Returns: $447,343.97 Net Cost of Renting: $234,436.80 - $447,343.97 = -$212,907.17 (net gain from renting due to investments) Net Cost of Buying: $400,530 - $199,719 = $200,811
Conclusion When accounting for the investment returns on both the saved monthly rent and the initial down payment, renting appears to be significantly more financially advantageous over the next 5 years. The net gain from renting, factoring in investment returns, is approximately $212,907.17, compared to a net cost of $200,811 for buying.
submitted by flaconn to RealEstate [link] [comments]
Renting Initial Monthly Rent: $3,200 Annual Rent Increase: 10% Investment Return: 7% annually Down Payment for Investment: $157,000
Future Rent Costs Over 5 Years Year 1: $3,200 * 12 = $38,400 Year 2: $3,520 * 12 = $42,240 Year 3: $3,872 * 12 = $46,464 Year 4: $4,259.20 * 12 = $51,110.40 Year 5: $4,685.12 * 12 = $56,221.44 Total Rent Paid Over 5 Years: $38,400 + $42,240 + $46,464 + $51,110.40 + $56,221.44 = $234,436.80
Buying Home Price: $785,000 Initial HOA Dues: $785/month Annual HOA Increase: 10% Interest Rate: 7% Down Payment: 20% ($157,000) Loan Amount: $628,000 Mortgage Payment (30-year fixed rate loan): $4,178/month
Future HOA Costs Over 5 Years Year 1: $785 * 12 = $9,420 Year 2: $863.50 * 12 = $10,362 Year 3: $949.85 * 12 = $11,398.20 Year 4: $1,044.83 * 12 = $12,537.96 Year 5: $1,149.32 * 12 = $13,791.84 Total HOA Paid Over 5 Years: $9,420 + $10,362 + $11,398.20 + $12,537.96 + $13,791.84 = $57,510
Additional Costs (Remains the same as before) Property Taxes: $818/month * 60 months = $49,080 Homeowners Insurance: $67/month * 60 months = $4,020 Maintenance Costs: $654/month * 60 months = $39,240
Total Cost of Ownership Over 5 Years Total Mortgage Payments: $4,178 * 60 months = $250,680 Total HOA Payments: $57,510 Total Property Taxes: $49,080 Total Homeowners Insurance: $4,020 Total Maintenance Costs: $39,240 Total Cost of Ownership: $250,680 + $57,510 + $49,080 + $4,020 + $39,240 = $400,530
Equity Accumulation and Appreciation Principal Paid in Mortgage: Estimating 30% of total mortgage payments go towards principal repayment: 0.30 * $250,680 = $75,204 Home Appreciation: 3% per year FV = $785,000 * (1 + 0.03)^5 = $909,515
Net Gain from Buying Future Home Value: $909,515 Initial Home Value: $785,000 Appreciation Gain: $124,515 Equity Build-Up: $75,204 Total Gain in Equity and Appreciation: $124,515 + $75,204 = $199,719
Investment Returns from Savings and Down Payment Let's calculate the returns from both the monthly savings and the initial down payment investment.
Monthly Savings Monthly Cost of Owning: $6,502 (as calculated previously) Monthly Rent: $3,200 (initially)
Annual Savings Invested Year 1: $(6,502 - 3,200) * 12 = $39,624 Year 2: $(6,820.20 - 3,520) * 12 = $39,609.60 Year 3: $(7,164.21 - 3,872) * 12 = $39,514.52 Year 4: $(7,535.42 - 4,259.20) * 12 = $39,307.92 Year 5: $(7,935.31 - 4,685.12) * 12 = $39,002.28
Investment Growth For simplicity, let's assume each year's savings are invested at the end of the year and grow at 7% annually: End of Year 1: $39,624 * (1 + 0.07)^4 = $52,078.79 End of Year 2: $39,609.60 * (1 + 0.07)^3 = $48,638.05 End of Year 3: $39,514.52 * (1 + 0.07)^2 = $45,246.02 End of Year 4: $39,307.92 * (1 + 0.07)^1 = $42,059.47 End of Year 5: $39,002.28 (no growth yet) Total Monthly Investment Value: $52,078.79 + $48,638.05 + $45,246.02 + $42,059.47 + $39,002.28 = $227,024.61
Down Payment Investment Initial Down Payment: $157,000 Investment Growth Over 5 Years: $157,000 * (1 + 0.07)^5 = $220,319.36 Total Investment Returns: $227,024.61 (monthly savings) + $220,319.36 (down payment) = $447,343.97
Comparison Over 5 Years Cost of Renting: $234,436.80 Investment Returns: $447,343.97 Net Cost of Renting: $234,436.80 - $447,343.97 = -$212,907.17 (net gain from renting due to investments) Net Cost of Buying: $400,530 - $199,719 = $200,811
Conclusion When accounting for the investment returns on both the saved monthly rent and the initial down payment, renting appears to be significantly more financially advantageous over the next 5 years. The net gain from renting, factoring in investment returns, is approximately $212,907.17, compared to a net cost of $200,811 for buying.
2024.06.02 19:58 ExternalImportance67 Has anyone actually used these at all?
 | The material cost is horrible imo, if you do use it, what for? submitted by ExternalImportance67 to summonerswar [link] [comments] |
2024.06.02 19:58 Big_Caterpillar8012 3060 12Gb - Gigabyte, MSI or Zotac (ok, and Asus) + Radeon alternative
Getting a simple build: Ryzen 7600x or 7700x Noctua NH-U9S (Noctua says it would take moderate OC) AsRock B650e Steel Legend Corsair Vengence 32Gb - DDR5 - 6000 - CL30 Crucial 2Tb - T500 - PCIe Gen4 x4
1- leaning towards a 3060 12Gb. Prices are about the same($300). Which would you get and why?
Thanks!
submitted by Big_Caterpillar8012 to PcBuild [link] [comments]
1- leaning towards a 3060 12Gb. Prices are about the same($300). Which would you get and why?
MSI Gaming GeForce RTX 3060 12GB 15 Gbps GDRR6 192-Bit HDMI/DP PCIe 4 Torx Twin Fan Ampere OC Graphics Card ASUS Dual NVIDIA GeForce RTX 3060 V2 OC Edition 12GB GDDR6 Gaming Graphics Card (PCIe 4.0, 12GB GDDR6 Memory, HDMI 2.1, DisplayPort 1.4a, 2-Slot) GIGABYTE GeForce RTX 3060 Gaming OC 12G (REV2.0) Graphics Card, 3X WINDFORCE Fans, 12GB MSI GeForce RTX 3060 Ventus 2X 12G OC, Gaming Graphics Card - RTX 3060 ZOTAC Gaming GeForce RTX 3060 Twin Edge OC 12GB GDDR6 192-bit 15 Gbps PCIE 4.0 Graphics Card, IceStorm 2.0 Cooling, Active Fan Control, Freeze Fan Stop2- Radeon Alternatives that you thing would pair well with the above build and why?
Thanks!
2024.06.02 19:55 Auto_Fac Thoughts on this Scott bike for the price?
 | Hey all, submitted by Auto_Fac to gravelcycling [link] [comments] Itching to get a new bike and was going to go the Decathlon RC120-with-bigger-tire route as I am looking for something that can handle pretty well manicured gravel trails but also be good on asphalt and their bikes fell within my price range. Just today I saw that someone locally (more local than Decathlon who I learned do not deliver bikes to my area…) posted the following and I am wondering what the thoughts are on it and on the price, and if there’s anything I should look out for. It’s described as a Scott Speedster Gravel (custom build), I believe a Speedster 30 2019 model, and custom as the owner added/upgraded the drivetrain? The listing has this: Shimano Claris 2x8 drivetrain Shimano cable actuated disc brakes Alloy frame Carbon fork 700x40c Maxxis Gravel tires From what I see online the original bike might have been a 2x10 drivetrain with Tiagra groupset, so he changed it to a Claris 2x8 setup. Otherwise the only custom parts are (I think) the tires? I could nab it for $900 Canadian (~$650 USD), which is only about $40 than I would pay for a new RC120 + tax, but would still need to buy suitably wide tires for any off road driving. First, is this a decent deal? I am assuming the bike itself and the parts are, for the price, a step up from Decathlon. Second, is there anything I am not thinking about or seeing as a never-ridden-gravel-or-drop-bar-bike person? Thanks! |
2024.06.02 19:48 PerformanceOld1544 Building assets for salaried person
Everybody keeps saying build assets, build aseets. Does this really make sense in today's world?
Lands/plots are exborbitantly high priced, same goes for commercial properties like shops. Agriculture lands also cost around 40-50 lacs per acre in state like MH (Western MH where I belong). I don't consider flat as a best investment option.
Looking at the current prices, it's very unlikely that returns in real estate will be same as earlier decades.
So, for a salaried person what is the best asset in today's world?
I know equity is one option but apart of equity investment, anything that is worthy of speding hefty amount?
submitted by PerformanceOld1544 to AskIndia [link] [comments]
Lands/plots are exborbitantly high priced, same goes for commercial properties like shops. Agriculture lands also cost around 40-50 lacs per acre in state like MH (Western MH where I belong). I don't consider flat as a best investment option.
Looking at the current prices, it's very unlikely that returns in real estate will be same as earlier decades.
So, for a salaried person what is the best asset in today's world?
I know equity is one option but apart of equity investment, anything that is worthy of speding hefty amount?
2024.06.02 19:48 love_is_a_superpower The price of purity
This isn't a message on the price of organic food, or maybe it is? Spiritual food is free, but the good stuff will cost you.
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Scripture references:
Matthew 9:16 NKJV
submitted by love_is_a_superpower to GateToSalvationJESUS [link] [comments]
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
Whoever does not carry his cross and follow Me cannot be My disciple. 28 Which of you, wishing to build a tower, does not first sit down and count the cost to see if he has the resources to complete it? 29 Otherwise, if he lays the foundation and is unable to finish the work, everyone who sees it will ridicule him.I've noticed a big difference in what people learn from evil. Some come away scarred and distrustful of people. Some blame God. Some see a new tactic for their playbook and purposefully become the thing they hate. Some use worldly things to try and heal the damage others have done to them. They accidentally become the thing they hate.
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Therefore, the LORD says this; “If you will return to Me, then I will restore you, and you will stand before Me. And if you extract the precious from the worthless, You will become My spokesman. They for their part may turn to you, but as for you, you must not turn to them.Father in heaven, your authority is over all of creation. We ask that you would help us to trust you enough to come to you for the healing we need so desperately today. Help us to distrust those who cannot be trusted, yet set us free from fear of them. May we trust in your sovereign power and infinite love. May the trials you allow into our lives refine us, and make us worthy of eternity. May we be found worthy of your Son when He returns for His bride. In Jesus' name. Amen.
Scripture references:
Matthew 9:16 NKJV
16 "No one puts a piece of unshrunk cloth on an old garment; for the patch pulls away from the garment, and the tear is made worse.Romans 12:2 NKJV
2 And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God.Isaiah 61:10 NKJV
10 I will greatly rejoice in the LORD, My soul shall be joyful in my God; For He has clothed me with the garments of salvation, He has covered me with the robe of righteousness, As a bridegroom decks himself with ornaments, And as a bride adorns herself with her jewels.Job 29:14 NKJV
14 I put on righteousness, and it clothed me; My justice was like a robe and a turban.Matthew 22:10-14 NKJV
10 "So those servants went out into the highways and gathered together all whom they found, both bad and good. And the wedding hall was filled with guests. 11 "But when the king came in to see the guests, he saw a man there who did not have on a wedding garment. 12 "So he said to him, 'Friend, how did you come in here without a wedding garment?' And he was speechless. 13 "Then the king said to the servants, 'Bind him hand and foot, take him away, and cast him into outer darkness; there will be weeping and gnashing of teeth.' 14 "For many are called, but few are chosen."Psalm 119:9 9 How can a young man cleanse his way? By taking care to conduct himself according to Your word.
2024.06.02 19:47 WarmCamel2487 Slickside upper for a 733 build?
Having a hard fuckin time finding a Colt C7 upper for a decent price for my build, how accurate is a 733 build with a slickside upper?
submitted by WarmCamel2487 to RetroAR [link] [comments]
2024.06.02 19:47 love_is_a_superpower The price of purity
This isn't a message on the price of organic food, or maybe it is? Spiritual food is free, but the good stuff will cost you.
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Scripture references:
Matthew 9:16 NKJV
submitted by love_is_a_superpower to encounteredjesus [link] [comments]
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
Whoever does not carry his cross and follow Me cannot be My disciple. 28 Which of you, wishing to build a tower, does not first sit down and count the cost to see if he has the resources to complete it? 29 Otherwise, if he lays the foundation and is unable to finish the work, everyone who sees it will ridicule him.I've noticed a big difference in what people learn from evil. Some come away scarred and distrustful of people. Some blame God. Some see a new tactic for their playbook and purposefully become the thing they hate. Some use worldly things to try and heal the damage others have done to them. They accidentally become the thing they hate.
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Therefore, the LORD says this; “If you will return to Me, then I will restore you, and you will stand before Me. And if you extract the precious from the worthless, You will become My spokesman. They for their part may turn to you, but as for you, you must not turn to them.Father in heaven, your authority is over all of creation. We ask that you would help us to trust you enough to come to you for the healing we need so desperately today. Help us to distrust those who cannot be trusted, yet set us free from fear of them. May we trust in your sovereign power and infinite love. May the trials you allow into our lives refine us, and make us worthy of eternity. May we be found worthy of your Son when He returns for His bride. In Jesus' name. Amen.
Scripture references:
Matthew 9:16 NKJV
16 "No one puts a piece of unshrunk cloth on an old garment; for the patch pulls away from the garment, and the tear is made worse.Romans 12:2 NKJV
2 And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God.Isaiah 61:10 NKJV
10 I will greatly rejoice in the LORD, My soul shall be joyful in my God; For He has clothed me with the garments of salvation, He has covered me with the robe of righteousness, As a bridegroom decks himself with ornaments, And as a bride adorns herself with her jewels.Job 29:14 NKJV
14 I put on righteousness, and it clothed me; My justice was like a robe and a turban.Matthew 22:10-14 NKJV
10 "So those servants went out into the highways and gathered together all whom they found, both bad and good. And the wedding hall was filled with guests. 11 "But when the king came in to see the guests, he saw a man there who did not have on a wedding garment. 12 "So he said to him, 'Friend, how did you come in here without a wedding garment?' And he was speechless. 13 "Then the king said to the servants, 'Bind him hand and foot, take him away, and cast him into outer darkness; there will be weeping and gnashing of teeth.' 14 "For many are called, but few are chosen."Psalm 119:9 9 How can a young man cleanse his way? By taking care to conduct himself according to Your word.
2024.06.02 19:46 gluesniffer5 Hi, planning on building in a month or two, is this a good parts list? (I am re-using fans and an SSD from my previous build)
PCPartPicker Part List
submitted by gluesniffer5 to buildapc [link] [comments]
2024.06.02 19:44 love_is_a_superpower The price of purity
This isn't a message on the price of organic food, or maybe it is? Spiritual food is free, but the good stuff will cost you.
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Scripture references:
Matthew 9:16 NKJV
submitted by love_is_a_superpower to Testimony4Christ [link] [comments]
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
Whoever does not carry his cross and follow Me cannot be My disciple. 28 Which of you, wishing to build a tower, does not first sit down and count the cost to see if he has the resources to complete it? 29 Otherwise, if he lays the foundation and is unable to finish the work, everyone who sees it will ridicule him.I've noticed a big difference in what people learn from evil. Some come away scarred and distrustful of people. Some blame God. Some see a new tactic for their playbook and purposefully become the thing they hate. Some use worldly things to try and heal the damage others have done to them. They accidentally become the thing they hate.
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Therefore, the LORD says this; “If you will return to Me, then I will restore you, and you will stand before Me. And if you extract the precious from the worthless, You will become My spokesman. They for their part may turn to you, but as for you, you must not turn to them.Father in heaven, your authority is over all of creation. We ask that you would help us to trust you enough to come to you for the healing we need so desperately today. Help us to distrust those who cannot be trusted, yet set us free from fear of them. May we trust in your sovereign power and infinite love. May the trials you allow into our lives refine us, and make us worthy of eternity. May we be found worthy of your Son when He returns for His bride. In Jesus' name. Amen.
Scripture references:
Matthew 9:16 NKJV
16 "No one puts a piece of unshrunk cloth on an old garment; for the patch pulls away from the garment, and the tear is made worse.Romans 12:2 NKJV
2 And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God.Isaiah 61:10 NKJV
10 I will greatly rejoice in the LORD, My soul shall be joyful in my God; For He has clothed me with the garments of salvation, He has covered me with the robe of righteousness, As a bridegroom decks himself with ornaments, And as a bride adorns herself with her jewels.Job 29:14 NKJV
14 I put on righteousness, and it clothed me; My justice was like a robe and a turban.Matthew 22:10-14 NKJV
10 "So those servants went out into the highways and gathered together all whom they found, both bad and good. And the wedding hall was filled with guests. 11 "But when the king came in to see the guests, he saw a man there who did not have on a wedding garment. 12 "So he said to him, 'Friend, how did you come in here without a wedding garment?' And he was speechless. 13 "Then the king said to the servants, 'Bind him hand and foot, take him away, and cast him into outer darkness; there will be weeping and gnashing of teeth.' 14 "For many are called, but few are chosen."Psalm 119:9 9 How can a young man cleanse his way? By taking care to conduct himself according to Your word.
2024.06.02 19:43 SweetSweetKeto_3345 Can I get out of this contract?
I changed the names and took out the address I no longer want to buy the house and want to know how to get out of it.
AGREEMENT OF PURCHASE AND SALE The undersigned me (hereinafter caled "purchaser")
hereby offers to purchase from the landlord (hereinafter called "vendor")
the property known as civic address
at the price of Forty-Five Thousand Dollars ($45,000.00) of lawful money of Canada, payable as follows: One Dollar ($1.00) as a deposit to be held by the vendor pending completion or other termination of this agreement and to be credited on account of purchase money on closing,
with the balance due and payable as follows: a) The sum Five Hundred Fifty Dollars ($550.00) per month commencing April 1, 2021, and payable on the first day of every month thereafter, ending on March 1, 2026.
b) Balance payable by the purchaser on or before April 1, 2026.
c) The above purchase price shall bear interest at the rate of Five per cent (5%) per annum calculated half-yearly, not in advance from April 1, 2021, until payment is received in full.
PROVIDED as follows: The vendor shall have good and marketable title to the real property free and clear of all encumbrances except as provided herein and except as to any registered restrictions or covenants that run with the land providing that such are complied with and do not materially affect marketability.
The purchaser shall not call for production of any title deeds, abstracts, or other evidence of title except such as are in possession of the vendor.
Within 5_days from the date of acceptance hereof the purchaser may examine the title at his/her own expense.
If within that time any valid objection to the title is made in writing by the purchaser to the vendor which the vendor shall be unable or unwilling to remove within_ 5 days of notification of said objections and which the purchaser will not waive, this agreement shall, notwithstanding any intermediate acts or negotiations in respect of such objections, be null and void and the
-2- deposit shall be returned by the vendor without interest and the vendor and the agent shall not be liable for any costs or damages. Save as to any valid objection the purchaser shall be deemed to have accepted the title of the vendor to the real property.
This transaction of purchase and sale shall be completed on or before the 1st day of April, 2026. Vacant possession of the real property is to be given to the purchaser unless
the real property is rented, in which event the purchaser is to accept any present tenancy and be entitled to the rents and profits thereafter. Unearned fire insurance premiums, rentals, mortgage interest, taxes, local improvements, water and assessment rates, and all other adjustments shall be apportioned and allowed to date herein fixed for completion of sale.
There are no representations warranties, collateral agreements or conditions affecting this agreement or the real property or supported hereby other than is expressed herein in writing.
All buildings and equipment upon the real property shall be and remain at the risk of the vendor until closing. Pending completion of this sale, the vendor shall hold all insurance policies and the proceeds thereof in trust for the parties as their respective interests may appear, and in the event of damage to the said premises the purchaser may either have the proceeds of the insurance and complete the purchase, or may cancel this agreement and have all monies theretofore paid returned without interest.
The deed or transfer of good and marketable title to the property free and clear of all encumbrances shall be prepared at the expense of the vendor and any mortgage(s) in connection with the financing of the purchase at the expense of the purchaser. If the purchaser defaults in the completion of the sale under the terms of this agreement, any money not exceeding 5% of the purchase price paid hereunder shall be forfeited to the vendor by way of liquidated damages, or the vendor may, (at his option) compel the purchaser to complete the sale.
THIS OFFER shall be irrevocable by the purchaser until 5 p.m. on the 30th day of March, 2021, after which time, if not accepted, this offer shall be automatically null and void, and all deposit money returned to the purchaser without interest. THIS OFFER, when accepted, shall constitute a contract of purchase and sale binding upon the parties hereto.
submitted by SweetSweetKeto_3345 to legaladvice [link] [comments]
AGREEMENT OF PURCHASE AND SALE The undersigned me (hereinafter caled "purchaser")
hereby offers to purchase from the landlord (hereinafter called "vendor")
the property known as civic address
at the price of Forty-Five Thousand Dollars ($45,000.00) of lawful money of Canada, payable as follows: One Dollar ($1.00) as a deposit to be held by the vendor pending completion or other termination of this agreement and to be credited on account of purchase money on closing,
with the balance due and payable as follows: a) The sum Five Hundred Fifty Dollars ($550.00) per month commencing April 1, 2021, and payable on the first day of every month thereafter, ending on March 1, 2026.
b) Balance payable by the purchaser on or before April 1, 2026.
c) The above purchase price shall bear interest at the rate of Five per cent (5%) per annum calculated half-yearly, not in advance from April 1, 2021, until payment is received in full.
PROVIDED as follows: The vendor shall have good and marketable title to the real property free and clear of all encumbrances except as provided herein and except as to any registered restrictions or covenants that run with the land providing that such are complied with and do not materially affect marketability.
The purchaser shall not call for production of any title deeds, abstracts, or other evidence of title except such as are in possession of the vendor.
Within 5_days from the date of acceptance hereof the purchaser may examine the title at his/her own expense.
If within that time any valid objection to the title is made in writing by the purchaser to the vendor which the vendor shall be unable or unwilling to remove within_ 5 days of notification of said objections and which the purchaser will not waive, this agreement shall, notwithstanding any intermediate acts or negotiations in respect of such objections, be null and void and the
-2- deposit shall be returned by the vendor without interest and the vendor and the agent shall not be liable for any costs or damages. Save as to any valid objection the purchaser shall be deemed to have accepted the title of the vendor to the real property.
This transaction of purchase and sale shall be completed on or before the 1st day of April, 2026. Vacant possession of the real property is to be given to the purchaser unless
the real property is rented, in which event the purchaser is to accept any present tenancy and be entitled to the rents and profits thereafter. Unearned fire insurance premiums, rentals, mortgage interest, taxes, local improvements, water and assessment rates, and all other adjustments shall be apportioned and allowed to date herein fixed for completion of sale.
There are no representations warranties, collateral agreements or conditions affecting this agreement or the real property or supported hereby other than is expressed herein in writing.
All buildings and equipment upon the real property shall be and remain at the risk of the vendor until closing. Pending completion of this sale, the vendor shall hold all insurance policies and the proceeds thereof in trust for the parties as their respective interests may appear, and in the event of damage to the said premises the purchaser may either have the proceeds of the insurance and complete the purchase, or may cancel this agreement and have all monies theretofore paid returned without interest.
The deed or transfer of good and marketable title to the property free and clear of all encumbrances shall be prepared at the expense of the vendor and any mortgage(s) in connection with the financing of the purchase at the expense of the purchaser. If the purchaser defaults in the completion of the sale under the terms of this agreement, any money not exceeding 5% of the purchase price paid hereunder shall be forfeited to the vendor by way of liquidated damages, or the vendor may, (at his option) compel the purchaser to complete the sale.
THIS OFFER shall be irrevocable by the purchaser until 5 p.m. on the 30th day of March, 2021, after which time, if not accepted, this offer shall be automatically null and void, and all deposit money returned to the purchaser without interest. THIS OFFER, when accepted, shall constitute a contract of purchase and sale binding upon the parties hereto.
2024.06.02 19:42 love_is_a_superpower The price of purity
This isn't a message on the price of organic food, or maybe it is? Spiritual food is free, but the good stuff will cost you.
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Scripture references:
Matthew 9:16 NKJV
submitted by love_is_a_superpower to Devotion_Today [link] [comments]
This isn't a complaint for the lessons I've learned from the sins committed against me. God didn't ask people to disobey His covenant. He explicitly told us all to do right by one another.
I want to share what it costs to shed the "old garment" and put on the new. The old garment is our old way of covering our assets. The new garment is God's renewable resource. It only materializes when we trust Him with our future. We can't just take a patch of truth here and there and hope to be transformed into His likeness. (Matthew 9:16, Romans 12:2) Yes, God's grace is free, but we've each only got one body to submit to Him. We can't wear both garments at the same time. God has freely given us the "garment of salvation." Still, we have to be willing to leave behind our old, self-seeking ways to put it on. (Isaiah 61:10, Job 29:14, Matthew 22:10-14, Psalm 119:9)
Luke 14:27-29
Whoever does not carry his cross and follow Me cannot be My disciple. 28 Which of you, wishing to build a tower, does not first sit down and count the cost to see if he has the resources to complete it? 29 Otherwise, if he lays the foundation and is unable to finish the work, everyone who sees it will ridicule him.I've noticed a big difference in what people learn from evil. Some come away scarred and distrustful of people. Some blame God. Some see a new tactic for their playbook and purposefully become the thing they hate. Some use worldly things to try and heal the damage others have done to them. They accidentally become the thing they hate.
God shows us the best possible way to extract ourselves from the old garment that so desperately clings to us when we'd like to be pure before Him.
Jeremiah 15:19
Therefore, the LORD says this; “If you will return to Me, then I will restore you, and you will stand before Me. And if you extract the precious from the worthless, You will become My spokesman. They for their part may turn to you, but as for you, you must not turn to them.Father in heaven, your authority is over all of creation. We ask that you would help us to trust you enough to come to you for the healing we need so desperately today. Help us to distrust those who cannot be trusted, yet set us free from fear of them. May we trust in your sovereign power and infinite love. May the trials you allow into our lives refine us, and make us worthy of eternity. May we be found worthy of your Son when He returns for His bride. In Jesus' name. Amen.
Scripture references:
Matthew 9:16 NKJV
16 "No one puts a piece of unshrunk cloth on an old garment; for the patch pulls away from the garment, and the tear is made worse.Romans 12:2 NKJV
2 And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God.Isaiah 61:10 NKJV
10 I will greatly rejoice in the LORD, My soul shall be joyful in my God; For He has clothed me with the garments of salvation, He has covered me with the robe of righteousness, As a bridegroom decks himself with ornaments, And as a bride adorns herself with her jewels.Job 29:14 NKJV
14 I put on righteousness, and it clothed me; My justice was like a robe and a turban.Matthew 22:10-14 NKJV
10 "So those servants went out into the highways and gathered together all whom they found, both bad and good. And the wedding hall was filled with guests. 11 "But when the king came in to see the guests, he saw a man there who did not have on a wedding garment. 12 "So he said to him, 'Friend, how did you come in here without a wedding garment?' And he was speechless. 13 "Then the king said to the servants, 'Bind him hand and foot, take him away, and cast him into outer darkness; there will be weeping and gnashing of teeth.' 14 "For many are called, but few are chosen."Psalm 119:9 9 How can a young man cleanse his way? By taking care to conduct himself according to Your word.
2024.06.02 19:41 FollowThePostcard 35 [M4F] Central Oregon/PNW. A tall, outdoorsy dude who rides bikes and eat pizza.
It's storming this morning so I'm not going out to ride and I'm putting off cleaning the house by creating this post.
About Me:
I made this Slide Deck that I think does a better job capturing me, and it has photos.
Mountain biking, skate skiing, open-water swimming, and hiking are my main sports, and I'd like to share some of these sports with you. Somebody who also loves to be on two wheels would be a great match as I find myself feeling most complete when sharing the forest trails with another person. I'm not extreme about my rides, I'm not pushing for KOMs or doing big drops for the steeze -- Nothing wrong with that, but I'm here to have fun and be able to ride or hike again tomorrow.
I'm pretty fit but not a gym dude, a bit of a gearhead, and I love getting out into the wilderness. When not spending time in the wild, I tend to toe the line between a homebody introvert and an event-going extrovert. I don't drink or smoke weed, so the bar scene isn't my jam, but you can catch me at a screening, reading at a cafe, enjoying the local arts scene, or at Friday Night Magic.
Also! Over the last few years, I've done a lot of work in therapy and focusing on myself, and I continually seek to grow and improve as a person. As a result, I feel at peace with myself and am excited to share it with you.
Last, my politics are left, and I'm actively engaged; I show up to protests and volunteer for voter outreach, I call out local businesses that act badly towards our community, and I believe that building a bigger table for the working class is the only way forward as a society.
About You:
I'm flexible about many things, but I'm searching for a partner who is single and monogamous, considerate, kind, and loving.
Also, I'd like a partner with the same-ish level of outdoor engagement and fitness level as me. Most people like being outdoors, hiking, camping, etc., and are interested in things like XC skiing, biking, and backpacking, but... I do them. A lot. I want to meet someone with the same natural inclinations as me to push out into the backcountry, holler down flow trails, and plan trips into new locations around the US/World.
I'm a big believer in partnerships, where both partners are seen and heard and make space for each other needs and wants. I also hope nonviolent communication is a big part of how you talk to others and yourself.
Oh! Also, I can't have any kids of my own (Vasectomy), so if that matters to you, I won't be a good match.
Wrapping up!
In closing, Bend, Oregon, feels like my place. I'm putting down roots - I have a community of fellow remote workers who are becoming more and more of a family. Bend is a place where everyone seems open to making new friends as it's attracted outdoorsy transplants who have been priced out of everywhere else in close proximity to wilderness -- so it's home. My roots are here.
If I sound like a match for you, message me, and let's chat.
submitted by FollowThePostcard to r4r [link] [comments]
About Me:
I made this Slide Deck that I think does a better job capturing me, and it has photos.
Mountain biking, skate skiing, open-water swimming, and hiking are my main sports, and I'd like to share some of these sports with you. Somebody who also loves to be on two wheels would be a great match as I find myself feeling most complete when sharing the forest trails with another person. I'm not extreme about my rides, I'm not pushing for KOMs or doing big drops for the steeze -- Nothing wrong with that, but I'm here to have fun and be able to ride or hike again tomorrow.
I'm pretty fit but not a gym dude, a bit of a gearhead, and I love getting out into the wilderness. When not spending time in the wild, I tend to toe the line between a homebody introvert and an event-going extrovert. I don't drink or smoke weed, so the bar scene isn't my jam, but you can catch me at a screening, reading at a cafe, enjoying the local arts scene, or at Friday Night Magic.
Also! Over the last few years, I've done a lot of work in therapy and focusing on myself, and I continually seek to grow and improve as a person. As a result, I feel at peace with myself and am excited to share it with you.
Last, my politics are left, and I'm actively engaged; I show up to protests and volunteer for voter outreach, I call out local businesses that act badly towards our community, and I believe that building a bigger table for the working class is the only way forward as a society.
About You:
I'm flexible about many things, but I'm searching for a partner who is single and monogamous, considerate, kind, and loving.
Also, I'd like a partner with the same-ish level of outdoor engagement and fitness level as me. Most people like being outdoors, hiking, camping, etc., and are interested in things like XC skiing, biking, and backpacking, but... I do them. A lot. I want to meet someone with the same natural inclinations as me to push out into the backcountry, holler down flow trails, and plan trips into new locations around the US/World.
I'm a big believer in partnerships, where both partners are seen and heard and make space for each other needs and wants. I also hope nonviolent communication is a big part of how you talk to others and yourself.
Oh! Also, I can't have any kids of my own (Vasectomy), so if that matters to you, I won't be a good match.
Wrapping up!
In closing, Bend, Oregon, feels like my place. I'm putting down roots - I have a community of fellow remote workers who are becoming more and more of a family. Bend is a place where everyone seems open to making new friends as it's attracted outdoorsy transplants who have been priced out of everywhere else in close proximity to wilderness -- so it's home. My roots are here.
If I sound like a match for you, message me, and let's chat.