u/DantesDarkroom

Buy house cash vs rent?

Hey! I will try and make this short. Selling my house in Rhode Island, i have about $300k equity after closing costs.

I am self employed and I feel my business will be on a stready decline over the next couple years with no sign of improvement. I am steadily making about 6k per month after expenses (down from 12k over the last 2 years)

I have 3 options

Move to GA only for nicer home, climate, lower cost of living.

Buy a decent house in cash $210-235k

Much more enjoyable house for $335k max, 200k down payment and park 100k in HYSA. Goal is to nuke mortgage within 5 years

Or move to Florida (i lived in fort myers before)

Rent between $1,300-1,600 and park 300k in HYSA = roughly $900 per month in intrest.

A few key notes:

Hysa is not guaranteed long term financial gain

If I rent for a few years I dont have to worry about home repairs, etc plus Intrest will offset rent (for now)

I am willing to seek employment if needed in the future. I may have more opportunities in fort myers vs macon, ga

I do not really love the idea of GA but it definitely has a lot of upside. I do however love Florida but dont plan on buying there again.

I fear if I sell now and rent, things go sideways I may never be able to buy a house again

Thoughts? Thanks!

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u/DantesDarkroom — 1 day ago

Injecting from below?

Hey guys. Ive been having a real hard time avoiding veins. The largest of them run right along 10 and 2, leaving me very few options of injection sites.

Anyone try injecting from below? I hardly have any veins there

EDIT: I am not saying coming in from the bottom as in directly under, I mean coming from under and aiming for 10 & 2. Sorry i should have looked at a clock before posting

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u/DantesDarkroom — 4 days ago
▲ 19 r/macon

Hey! I will try and keep this short. I am selling my house in Rhode Island and moving to Macon or maybe WR tbis July.

I am self employed and work from home. My business of 20 years is changing dramatically and facing steady decline in sales / revenue year to year. I am moving mostly for a slower lifestyle, lower cost of living, cash home purchase = lower overhead. Year round outdoor activities i enjoy, etc.

Though I will be saving almost 3k per month in Macon vs my cost in RI, I am still worried that eventually my business will nearly collapse in the next few years. (Or never who knows)

Can anyone give me any insight on the job market?

I am 42 yo male, my business is very niche but I am a one man show. customer service, sales, inventory acquisition, inventory management (very basic but effective). The only normal job i ever had was 19 years ago, supervisor at target over night which involved logistics, warehouse/ stock room, replenishment, on- boarding new hires, supervising staff of over 50 associates, so on.

I know i dont have what many would consider "employable skills" since I dont even know how to use basic software like excel. So I think my "oh shoot i need a job" emergency plan is looking for general labor in warehouse, logistics, etc or perhaps mid level management role in similar fields.

Am I overthinking qualifications? Is there a decent job market in Macon which fits my profile? I couldn't find much information online and indeed was a bit thin, other resources?

Thanks in advance for any insight yall can share with a shakey "Yankee" lol

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u/DantesDarkroom — 11 days ago