Proof Of Work

http://proofofwork.com.au

Proof of work

http://proofofwork.com.au

Home mortgage finance dilemma / question.

We have worked hard to be in a good position financially, and debt free except for mortgage.

• Due to a surprise in a work contract, our 6-7 years in our current city (that was ending this year), will become 10-15 years. We were going to sell our house this year and move to new contract city.
• We have a $560k mortgage remaining, and $700k+ of equity.
• The 7 year ARM we had ends in august, and will likely more than double our mortgage from the 3% - 7.8% (max) based on what bank told me. Could be less, depending on market rate.
• We have $250k of liquidity/cash on hand. Been a focus last few years to have a fall back due my well paid, but volatile job. We have $2m in 401k, (max loan is $50k).
• I have $220k in bitcoin which I want to hold. This is almost all profit and selling would trigger a tax event. I see companies offering loans against Bitcoin, but thats not something researched.
• We can afford to pay the increase in mortgage which will go from $5700 (including tax/insurance) to $7100-$7800/month, (property tax is high here) but that is tighter than we'd like to live.
• I plan to retire in 5-6 years. We would sell this house on retirement. We do not want to sell now.

I see three options:

1. Eat the increase on this new variable mortgage. Keep savings in place.
2. Pay off whole mortgage using $250k liquidity, $50k 401k loan and maybe $260k from 401k?
3. Pay down mortgage and refinance a new 7 year arm using all or partial savings/cash.

Am I missing other options and any advice would be greatly appreciated? I am a regular on this forum, but this is a throwaway post as I want to be able to share this personal detail.

I love the idea of being debt free. Mentally.

21 year old guy who is a certified skittle throwing therapist(THIS IS NOT AN ACTUAL CLAIM, IM ALREADY WANTED BY INTERPOL FOR MEDICAL MALPRACTICE) and is looking for some great people to talk to and become friends with! OH AND I LIVE IN GERMANY

AYEEE welcome to .. my post? To my life story? Idk welcome to… ME! i know i know, so far it doesn't sound that exciting and more like that one strange uncle you see once a year during family events, that just keeps rambeling about aliens, the goverment, and how pigeons are goverment drones, but keep reading and you might just discover I'm actually your great uncle which went missing 10 years ago. (Or i can play him for 50€ only cash or bitcoin accepted.)

Either way I have heard from some very trustable sources on this subreddit that I should write down some of my hobbies as that's apparently what people do which are considered "normal", now im not the biggest fan of just writing everything about me down cause well THIS POST WOULD BECOME A BOOK,(best seller Material? Perhaps, bin Material... Perhaps)

But ill throw some of the basics in there: I love photography, i love filmmaking, nature(taking walks in it and just exploring and propably tripping and breaking my ankle because i have the stability of that one grandparent you thought would really be done after that last stair fall) watching youtube and netflix ,playing games, talking to new people aaand traveling, not because i'm wanted by multiple countries their secret services for a variety of crimes, including but not limited to the ilegal smuggeling of koalas, becvause thats not something id do, which is why im not wanted, really, trust me:)

I don't care about your gender or country but because of timezones i preffer it if your european (Not a must at all though BECAUSE I DO WORK THE NIGHTSHIFT WHICH MEANS MY SCHEDULE IS ALL OVER THE FLOOR) Overall I'm just a social fucking weirdo who always is looking for more people to talk to (NO I AM NOT ADDICTED...SORT OF) oh and German people especially RISE UP, I NEED Y'ALL TO PRACTICE MY GERMAN.

You don’t have to be a social expert at all, its more then okay if your a bit shy as long as your just actually interested in talking and not as dry as the ground in most of the world will be in a few more years (GOD DONT WE LOVE CLIMATE CHANGE ? I MISS SNOW DURING CHRISTMAS, I CANT BE THE ONLY ONE??) and even tho i love to fuck around and just have fun im also Always here for you if there is heavier stuff on your mind (i’m quite a good listner and Always try to help) .

I love bringing laughter into people their lives but ill also be your totally not certified in any way therapist(I WILL EVEN GIVE YOU SKITTLES AND CALL THEM SPECIAL ANTI DEPRESSANTS, LIKE EXCLUSIVE SHIT, HELL ILL EVEN TAKE YOUR HEALTHINSURANCE)

If id describe myself i’d say i’m.. Quite energetic, Always up for fun stuff and exploring, kind of shy at the start, caring, and hmmm. Fuck I CAN’T BE THE ONLY ONE WHO ALWAYS STRUGGLES TO DESCRIBE THEMSELVES RIGHT? Like I honestly find it diffecult xd. Like I'm the fucker that googles"personality traits" and see what i relate with like some fucking quirky hippy in a coffee shop at 11am after taking too many shrooms the night beefore.

I’m on discord, insta, whatsapp, snap, pigeon mail carier service and dolphine communication.

So if your interested in talking to me just send me a chat or a message!^^

21 year old guy who is a certified skittle throwing therapist(THIS IS NOT AN ACTUAL CLAIM, IM ALREADY WANTED BY INTERPOL FOR MEDICAL MALPRACTICE) and is looking for some great people to talk to and become friends with! OH AND I LIVE IN GERMANY

AYEEE welcome to .. my post? To my life story? Idk welcome to… ME! i know i know, so far it doesn't sound that exciting and more like that one strange uncle you see once a year during family events, that just keeps rambeling about aliens, the goverment, and how pigeons are goverment drones, but keep reading and you might just discover I'm actually your great uncle which went missing 10 years ago. (Or i can play him for 50€ only cash or bitcoin accepted.)

Either way I have heard from some very trustable sources on this subreddit that I should write down some of my hobbies as that's apparently what people do which are considered "normal", now im not the biggest fan of just writing everything about me down cause well THIS POST WOULD BECOME A BOOK,(best seller Material? Perhaps, bin Material... Perhaps)

But ill throw some of the basics in there: I love photography, i love filmmaking, nature(taking walks in it and just exploring and propably tripping and breaking my ankle because i have the stability of that one grandparent you thought would really be done after that last stair fall) watching youtube and netflix ,playing games, talking to new people aaand traveling, not because i'm wanted by multiple countries their secret services for a variety of crimes, including but not limited to the ilegal smuggeling of koalas, becvause thats not something id do, which is why im not wanted, really, trust me:)

I don't care about your gender or country but because of timezones i preffer it if your european (Not a must at all though BECAUSE I DO WORK THE NIGHTSHIFT WHICH MEANS MY SCHEDULE IS ALL OVER THE FLOOR) Overall I'm just a social fucking weirdo who always is looking for more people to talk to (NO I AM NOT ADDICTED...SORT OF) oh and German people especially RISE UP, I NEED Y'ALL TO PRACTICE MY GERMAN.

You don’t have to be a social expert at all, its more then okay if your a bit shy as long as your just actually interested in talking and not as dry as the ground in most of the world will be in a few more years (GOD DONT WE LOVE CLIMATE CHANGE ? I MISS SNOW DURING CHRISTMAS, I CANT BE THE ONLY ONE??) and even tho i love to fuck around and just have fun im also Always here for you if there is heavier stuff on your mind (i’m quite a good listner and Always try to help) .

I love bringing laughter into people their lives but ill also be your totally not certified in any way therapist(I WILL EVEN GIVE YOU SKITTLES AND CALL THEM SPECIAL ANTI DEPRESSANTS, LIKE EXCLUSIVE SHIT, HELL ILL EVEN TAKE YOUR HEALTHINSURANCE)

If id describe myself i’d say i’m.. Quite energetic, Always up for fun stuff and exploring, kind of shy at the start, caring, and hmmm. Fuck I CAN’T BE THE ONLY ONE WHO ALWAYS STRUGGLES TO DESCRIBE THEMSELVES RIGHT? Like I honestly find it diffecult xd. Like I'm the fucker that googles"personality traits" and see what i relate with like some fucking quirky hippy in a coffee shop at 11am after taking too many shrooms the night beefore.

I’m on discord, insta, whatsapp, snap, pigeon mail carier service and dolphine communication.

So if your interested in talking to me just send me a chat or a message!^^

Are there bots buying bitcoin in game?

Ok, so for the 3rd time today, immediately as mechanic reset, I hit refresh and scrolled down to bitcoin, literally within the second of resetting, and bitcoin is already out. I have 4 coins worth of barter. I noticed that bitcoin is immediately out of stock, as well as a number of other items, less than a second after the trader resets. Should I just sell my tetris and batteries, or will this cool off soon and allow me to make the barter? This is my first full wipe so I don't know the usual pattern of events. I assume this is an autoclik or cheating bot type thing causing out of stock within seconds of reset right?

21 year old guy who is a certified skittle throwing therapist(THIS IS NOT AN ACTUAL CLAIM, IM ALREADY WANTED BY INTERPOL FOR MEDICAL MALPRACTICE) and is looking for some great people to talk to and become friends with! OH AND I LIVE IN GERMANY

AYEEE welcome to .. my post? To my life story? Idk welcome to… ME! i know i know, so far it doesn't sound that exciting and more like that one strange uncle you see once a year during family events, that just keeps rambeling about aliens, the goverment, and how pigeons are goverment drones, but keep reading and you might just discover I'm actually your great uncle which went missing 10 years ago. (Or i can play him for 50€ only cash or bitcoin accepted.)

Either way I have heard from some very trustable sources on this subreddit that I should write down some of my hobbies as that's apparently what people do which are considered "normal", now im not the biggest fan of just writing everything about me down cause well THIS POST WOULD BECOME A BOOK,(best seller Material? Perhaps, bin Material... Perhaps)

But ill throw some of the basics in there: I love photography, i love filmmaking, nature(taking walks in it and just exploring and propably tripping and breaking my ankle because i have the stability of that one grandparent you thought would really be done after that last stair fall) watching youtube and netflix ,playing games, talking to new people aaand traveling, not because i'm wanted by multiple countries their secret services for a variety of crimes, including but not limited to the ilegal smuggeling of koalas, becvause thats not something id do, which is why im not wanted, really, trust me:)

I don't care about your gender or country but because of timezones i preffer it if your european (Not a must at all though BECAUSE I DO WORK THE NIGHTSHIFT WHICH MEANS MY SCHEDULE IS ALL OVER THE FLOOR) Overall I'm just a social fucking weirdo who always is looking for more people to talk to (NO I AM NOT ADDICTED...SORT OF) oh and German people especially RISE UP, I NEED Y'ALL TO PRACTICE MY GERMAN.

You don’t have to be a social expert at all, its more then okay if your a bit shy as long as your just actually interested in talking and not as dry as the ground in most of the world will be in a few more years (GOD DONT WE LOVE CLIMATE CHANGE ? I MISS SNOW DURING CHRISTMAS, I CANT BE THE ONLY ONE??) and even tho i love to fuck around and just have fun im also Always here for you if there is heavier stuff on your mind (i’m quite a good listner and Always try to help) .

I love bringing laughter into people their lives but ill also be your totally not certified in any way therapist(I WILL EVEN GIVE YOU SKITTLES AND CALL THEM SPECIAL ANTI DEPRESSANTS, LIKE EXCLUSIVE SHIT, HELL ILL EVEN TAKE YOUR HEALTHINSURANCE)

If id describe myself i’d say i’m.. Quite energetic, Always up for fun stuff and exploring, kind of shy at the start, caring, and hmmm. Fuck I CAN’T BE THE ONLY ONE WHO ALWAYS STRUGGLES TO DESCRIBE THEMSELVES RIGHT? Like I honestly find it diffecult xd. Like I'm the fucker that googles"personality traits" and see what i relate with like some fucking quirky hippy in a coffee shop at 11am after taking too many shrooms the night beefore.

I’m on discord, insta, whatsapp, snap, pigeon mail carier service and dolphine communication.

So if your interested in talking to me just send me a chat or a message!^^