u/5bobber

Does FHA on an expensive house make sense? With a 3.5% down payment, it seems the amount spent on taxes, PMI, the HOA, and interest outweigh any appreciation on the house unless I plan to stay there for 10 years since the amount of equity being built is only roughly 1/5 of those other costs combined.

With some earnest money on the line, my perspective is somewhat skewed via gamblers fallacy and would like some outside insight.

I’m starting to see why people recommend doing 20% down on a house. Otherwise you’ll be spending an egregious amount of money on interest..

Have you encountered derating PV inverters reactive power capability based off the minimum operating DC voltage?

A contractor brought this to our attention, and most manufacturers seem to gloss over this derate and assume a default value that they deem nominal. However, using actual site parameters, there is a significant cutoff of VAR capability. I've seen tons of studies and have never seen a contractor apply any kind of DC voltage derate before, however.

Moreover, if we are to include module degradation over time, and by association a lower minimum DC operating point, the problem only gets worse. Is it industry practice to just ignore this derate?

I'd like to gauge people's opinions on this sub on which investments they prioritize and why.

My current known options are:

1. Mortgage
2. HSA
3. 401k (employer match up to 5%)
4. Non-retirement investment accounts (schwab, fidelity, etc.)
5. Certificates

I'm really only using my HSA to accommodate my current medical expenses, but I know the meta is to just keep stock piling into it without actually drawing from it until retirement.

I have been doing my 401k for about 4 years, but only up to what my employer matches.

I'd also like to start a college fund investment for my bloodline, but not sure what is the best/safest options to research.

Most financial options are for retirement, but what are some of the primary investments for non-retirement purposes rather than just having it sit in a savings account?