u/EmploymentNo3590

I am nowhere near the home I am selling but, I do have doorbell camera that catches anyone coming to the house. My agent tells me when anyone is going to be at the house, in advance.

The house is under contract and, my agent told me when the inspection was happening.

With no warning, the next day someone pulls up to the house, stays parked in the street, blocking spaces and goes up on the roof with a hammer... I didn't know who he is or why he was going up there but, he did go up with a measuring tool so, I can only assume the buyers could be getting quotes on replacing the roof.

Later that day, there was a scheduled showing and, I caught what turned out to be the buyer's agent (not the buyer under contract, just another agent), going through the garden, collecting, bagging and taking potted plants, as well as breaking off several large pieces of a plant by the front door. It's not in the way... She deliberated and walked into the garden space to take it all. The value of what was taken is less than $50 but, I'm at a loss of what to do about that kind of odd violation.

Edit for clarity: The home is still showing and an agent who is not representing the current buyer contract, took the plants.

Issue: the insurance company wants to pay the bare minimum for a claim, while an attorney claims they will get the client 100% compensation for a 30-40% fee.

At that point, is the payout going to be 130-140% so the client and attorneys are both fully compensated or, is the client ultimately receiving 60-70%?

I'm selling a property in South Florida, in a nice, quiet, solid community, proximity to work, school, groceries all less than 1-3 miles away. Great amenities, reasonable HoA with low fees for the area, for what is provided.

I understand it's a buyers market and the market is slow. In 10 weeks, I've had maybe 6 showings, 1 by my selling agent. I've lowered asking from 385 to 355.

I've had the same buyer make 2 offers, over this time but, they offered 345, full stop. Okay, I want to sell. I wanted 365 but was fully ready to accept 345.

They put in a contract and escrow. They did the inspection. I knew the roof needs replaced, hence why I was okay with 345.

The inspection picked up a whole bunch of nitpicky, irrelevant untrue, things... Claiming doors that i know for a fact work, don't work and need replacement. It's perfectly livable as-is. The roof doesn't leak. It's a matter of insurance coverage.

So the buyer says they want a $15k credit or they cancel the contract...

And I've already accommodated them by so much.

My agent just wants me to say yes or no. I don't know how hard they are working to get my full value out of this place. I put in way too much work, to get this place looking good, for such a lowball offer and demand but, it's the only offer I've gotten.

My take home will be 5k more than someone had offered to pay cash, before I put it on the market.

I haven't run the battery to zero but, it loses 20-30% daily, regardless of use. I would like to calibrate it, per the manual, by turning off the device for 30 minutes, then proceeding to fully charge it. I've had it for less than a month.

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1. I'm not certain that it is off, because the screen looks the same, whether I hold the "power off" on the screen for 2, 5 or 10 seconds. It looks like it just restarts to the "supernote" screen, instructing me to push the button for 2 seconds to start up.

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2. The moment I plug it into the charger, it automatically starts up and goes to my last note.

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3. If I try to turn it off, by holding ,"power off" for 2, 5 or 10 seconds, while it is plugged in to the charger, it restarts and goes right to my last note.

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It's mostly a great product but, it has some quirks.

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The market value of your home went up.

Depending on where you live, the millage rate on property taxes, has either stayed the same or gone down by a negligible amount.

You wanted your property value to go up but, didn't consider that the same percentage of a higher value, is more.

This message brought to you by the endless stream of political garbage flyers, corporate eminent domain, and the people who continue to elect the same politicians while expecting different results.

I saw a beauty product advertised on Instagram. It's a "Multi-balm" containing PDRN (Polydeoxyribonucleotide), Collagen and some other jazz (Not Salmon Jizz) in a pink stick form. The Instagram link's product was sold out so, I googled it and found a Medicube brand product being sold on Cradelia I jumped on it because I would trust a Medicube brand beauty product over anything else.

I ordered it on Friday 5/15 and, asked when it would be shipping via email on 5/22. A Shipping label was promptly generated and the delivery arrived on 5/29. The products received were not "Medicube" but, "Danchel," but the packaging and container was otherwise identical to what I had ordered.

I read the ingredients and, they looked safe enough to try, except for the lack of Polydeoxyribonucleotide, being the main reason I wanted to try the product at all. When I ordered, the return policy was "returns accepted within 60 days."

I checked the return policy, after receiving the items, which was now absolutely absurd... mandatory 60 daily time-stamped, meta data complete videos of actively using the product, to "prove I used it correctly and it didn't work" and requesting the refund on the 61st day. I emailed customer service 5/30 and heard back nothing. I emailed them today and got a rejection notice, claiming my email contained a virus.

I'm disputing it through my credit card, which refused to process the dispute until I "attempted to return the product" and required me to call the seller. The phone number provided answers as "paypal" but Caller ID's as "North California Fire Department" and immediately asks for a social security number. NO. Definitely not. I then had to call my credit card company and go though the dispute process there.

As I understand, only withdrawls from an inherited IRA are treated as taxable income. This question is primarily directed at the capital gains within the Inherited IRA.

What I inherited, was a cash IRA earning interest in a Money Market Account, from a state with no income tax and, some other cash from an HYSA. I live in a state with Income tax.

The above probably covers my question... The rest is optional information...

I basically kept enough untaxable, inherited funds In a savings account, with a 3.44% rate, (as long as I keep the balance over $20k), to survive a year of unemployment (based on previous income), locked the rest up in a 4% CD, to deter spending but, hadn't considered capital gains until I did my taxes and, still wasn't concerned until someone spelled out the diffference between SPAXX and FDLXX in a state with income tax.

I opened the, Inherited IRA account with a different brokerage, invested the majority of that cash in various ETFs (mostly Bogelhead preferred Vanguards), Stocks, CDs (3mos-1yr) and left some liquid in SPAXX for potential withdrawls. I intend to leave as much as I can, in the account, for as long as possible, to let it grow.

I'm considering $3,000 a 2% withdrawl for this year, presuming it will be 1.5% or less by EOY. I saw a bogglehead suggestion about withdrawing 1-3% annually, over the 10 year withdrawl period, to lessen the tax burden.

Theoretically withdrawing more from the Inherited IRA now, has a tax advantage, since I don't intend to stay unemployed but, assuming the IRA gains are completely untaxed until withdrawl, it's probably advantageous to leave them be and deal with the tax bomb later.

I don't currently have an income outside of the capital gains on other inheritence that shouldn't push me above poverty but, when the inherited house sells (I can't do anything else with it) and, I start earning taxable interest income on that, it taxable income getting more risky. I want to convert that cash into a new home but, also wanted to let it grow for a couple of years, to see what happens with the housing market.

My husband asked to use the inherited home's sale, to pay off our existing mortgage but, I'm earning .5% or greater on savings than our mortgage rate and, we can write off mortgage interest so, It doesn't make financial sense to me.

I just realized I'm now legally married to someone with income, which puts a wrench in my "no income to tax," statement.

We've been together for 17 years but, got married at the end of last year and, still filed taxes separately for 2025. We have the option to file married jointly or separately next year. I have no idea what makes sense, and will probably need to consult a tax professional, for the first time in my life.

This comparison site (in general) might be useful to others, seeing as I am in the boat of never having owned an e-ink tablet. The above link is already filtered down to my top 3: Supernote Manta, Viwoods AI and Boox Note Max.

If you have used any of these devices, please weigh in.

I want to be able to write, draw, read and listen to audio books, from a library (not proprietary ::glares in kindle::), annotate (fill out PDFs), send email, create to-do lists and manage a calendar. I preferred something in color but, have since given up on that idea.

I want a "distraction free" tablet for productivity and, for the sake of spending $400+ I want more than a glorified notepad ::glares in remarkable:: Most tablets, in general, offer more for less but, they don't offer the "writing feel."

I cruised the internet/reddit, mentally filtering for uninformed opinions and stumbling upon "one more option," to the point that I have blown several hours of my life, trying to find my "Holy Grail," before finding this comparison site yet, I am still torn. Mobiscribe sounds great but, good luck finding one.

Here is my extremely limited pro/con list generating my personal deciding struggle:

- Supernote Manta: boasts stability, the ability to upgrade/replace internal hardware and battery but, still runs on Android 11.

- ViwoodAI: Looks like the most "affordable option" Offers many features that reportedly do not work offline and shows the potential for having free features converted to a subscription, in the future. Runs on Android 13.

-Boox Note Max: Honestly, I had added and removed Boox products from my mental list, based on other product reviews, before someone mentioned this model but, after I found this comparison site and was too exhausted to look deeper. Pro It's A4 Letter size. Con: It's 13.3 inches.

At this point, it looks like it should be easy. There's an app for that...

But the primary care doctor referred me to a specific doctor, that doesn't show up on the app that my doctor used to refer me. Look up the doctor on health insurance app, because they are in network and the app also offers scheduling that doesn't work. Look up the doctor on Google, go to the website, which has an appointment booker, But I can't even select the location, to select the time. Call the number on the site, the number is for a different office. Call the number on the health insurance app, different office. Call the number on Google, recording indicates it's the right number but, nobody answers the phone.