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Borachio

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About Borachio

  • Birthday February 17

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  1. I’ve recently started to pay more attention to my investments. I’m 46 and investing for long term growth, not to get rich quick. (I know, fat chance) I’ve had an IRA and 401k following the total market and S&P 500 (FSKAX & FXAIX) for years. I recently opened a brokerage account with a 33% split of QQQM, SCHD and VOO. I also opened a Roth IRA with 60% JEPQ (dividends are reinvested) and 40% QQQM. I don’t know, am I doing it wrong with these choices? What does your “perfect” ETF portfolio look like?
  2. Going to see King George for like the 15th+ time in June at Kyle Field. I know, but don’t hate.
  3. We usually eat multiple times at Marugame Udon in Waikiki when visiting Oahu.
  4. Just got my rejection email from UT.
  5. I do like Gringos in South college station for Mexican food. Casa do Brasil is good. Casa Rodriguez in downtown Bryan is also good.
  6. Yes, I belive this is what happened. She had no protection from the appraisal value increase until her 10% cap kicked in.
  7. Yeah, good timing as far as the value of the home doubling, but instead of paying property taxes on say 650,000, she is paying taxes on 1.2 because the value of the property value doubled, before the 10% cap went into effect. According to this link, since she filed for the homestead exemption right when she bought the house in 2021, she had to wait a year for it go into effect. And she gets the 10% cap for 2023 only. That's the way I read it. https://www.trinityoaksmortgage.com/homestead-exemptions-in-texas/ Prior to January 1, 2022, homestead exemptions could not be filed until the year after a home was purchased. As of 2022, homeowners may file for a homestead exemption immediately upon closing on their property, so long as an exemption has not yet been filed for that tax year.
  8. My girlfriend bought her home in July of 2021 in Westlake. She immediately applied for the homestead exemption to receive the 10% cap on yearly property value increases. The 10% cap did not go into affect until January 1st 2023 since you have to be in your home for 12 months for the homestead exemption to go into affect. During this period the price of her home's property value and all the ones in her neighborhood doubled between 2021 and 2022. While her neighbor's homes only increased by 10%, she got no break. Is she just screwed? Poor timing on buying her home? Is it worth talking to a lawyer to see if the 10% property value cap can be retroactively applied for the year 2021-22? She had a formal hearing with Austin's central appraisal district last week and they took off $100,000 from her property value, but could do nothing about the 10% cap that didn't get applied until 2023.
  9. I went on July 3rd and it was great. The risotto dish was excellent. But really all you need is their bone marrow and garlic bread and you're all set!
  10. Nice weather this weekend. It was packed. Flight was delayed out of Austin Friday evening 3 hours due to the rain in Vegas, so didn't leave until midnight Austin time. The peking duck at Wing Lei was great. Had a nice lunch at Momofuku.
  11. My American brain is programmed to tip all the time. smh The craziest is at the Moody center for a concert at one of their snack bar kiosks. You grab your own food/ drink and you even check your own self out like at HEB and they ask for a 15-25% tip. Seriously? It needs to stop.
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