u/Jawbrace — reddlx

Past event reflections

I am a gen Xer that had crappy boomer parents. This post is not looking for legal advice but rather something that happened years ago and me reflecting on it.

In 1982 my mom bought a house for about 8,000. Her mother gave her half so she had a pretty small mortgage. She hooked up with a guy and they shacked up. He told her that if she takes care of the food, electric, etc, he will pay the mortgage payment. After a year or so, he said that he talked to a lawyer and he is entitled to be on the deed. It's kind of shitty, I know but that is kind of who they were. Shortly after he was on the deed, he told her that it was him or me. My mom booted me out and I went to live with my grandparents. I guess that she was worried about being a single mom and approaching 40.

I was reflecting on that and was thinking what I would've done. I probably would have said, "Wow. Sounds pretty evil. Well, since you paid the mortgage of (let's say) 300 dollars a month and that comes out to about 3600 a year, you have made principal payments of about 150 dollars and the rest was interest. So I'm going to give you 200 dollars and you can get the hell out of my house. If you're still here tomorrow, I'm going to have the sheriff escort you out.

Could she have kicked him out and not allow him to be on the deed? Maybe I am totally out of touch with this or does this sound about right?

Location: Pottstown PA

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u/Jawbrace — 1 day ago

▲ 4 r/DIYRetirement

Sanity check and looking for feedback.

Long time lurker, first post.

I will be leaving the workplace at the end of this year and taking SSI at 62. I want to stay below the ACA cliff of 63,600 a year from age 60 to 65 until Medicare becomes available. This will also keep me in the 12 percent tax bracket which is my overall goal to begin with. Please bear in mind when you look at the numbers, it doesn't reflect inflation nor growth in my investments. I've got well over 500,000 in my 401K and Roth money that I've already paid tax on but am not including it. I'm just using 500K as a starting point with my 401 for ease of numbers.

In the picture you will see the pension, SSI and 401 draw down and you will also see the numbers change. I'll try to do my best explaining them here. My income will be from my 401 and a bridge pension (2441 and 2859 a month or 63,600 a year). When SSI (2553) starts, my pension will drop to 1144 (1144+2553+1603 from 401K). After I am eligible for Medicare, my 401K withdraws will change due to the fact that only 80 percent of SSI (2042) is taxed as income. After ACA is over, my goal remains to stay in the 12 percent bracket while drawing down my 401K. Currently it is 50,040 so that means I can make 66,040 (including 16,000 standard deduction) or 5503 per month. (1144+2042+2317 from 401K).

Does this make sense to you or is there something that I've over or under thought?

u/Jawbrace — 10 days ago

▲ 3 r/Feral_Cats

I want to make sure I'm doing the right thing. Any insights?

I have a semi-feral cat that I feed and love on. I made a cat door and he comes inside but does his potty business outside.

The other night he got into a fight with another cat and got his butt handed to him. You can see this from the scratch on his left ear. I'm 100 percent sure that he won't let me put him into a box and be taken to the vet and from what I've read they are kind of indifferent to helping feral cats. He's a sweet boy but it's taken a long time to get him to trust me. Anyway, he got into a fight with another male cat and he got pretty jacked up. He hurt his right foot and after a few days, it's back to normal.

I thought that his scratch got infected so I am giving him a antibotic meds I got on Amazon.

I noticed that he had some damage done to the back of his head and thought that it was from the fight. Since it was persisting, I think I was wrong. I'm pretty sure that it's mange so I'm giving him some mange meds too.

Any thought from this awesome community?

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u/Jawbrace — 23 days ago