PITA
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I guess you could make a longer term investment thesis out of it...current lack of accessibility serves as a gate keeping out a lot of potential liquidity and investors. You're able to get in early when many others are still unable. But from a short term trading perspective yeah it's a PITA. Can't get much size in these F ticker MSOs without impacting the price.
Physical is better, but it's a PITA if you're trapped in a 401k/IRA. For paper silver, check out Sprott - they have audited, physical bullion and vault in Canada. PSLV or CEF if you want a mix of gold and silver with a lower expense ration.
I have, It's a PITA to use. Only reason its a big thing is because of Nvidia's hardware performance lead. If you want to make good use of Nvidia hardware, you need to learn to use CUDA
As others have said, it might be a PITA to do it for $50. My suggestion would be to have them open either a taxable brokerage account or possibly a Roth IRA (assuming they are working) at Fidelity. Give them the $50 cash/check and teach them about investing. While you “ don’t have not have much experience”, having the retirement account at provides some of that knowledge. Fidelity is a popular discount brokerage and would allow the recipient to buy fractional shares. So, they could invest in an index fund like FXAIX or possibly a stock like Apple (APPL). The latter is selling for about $278/share today, so $50 would buy ~18% of one share. Perhaps this would encourage them to invest themselves.
Google Workspace is a massive PITA to manage. Is not very user friendly and there’s a lot of gotchas.
He's actually bringing up an important point but it's not double taxation as you noted. In your taxes there's sometimes a cost basis adjustment you need to do. Its kind of a PITA. But your company or broker generally provides the info.
This is the correct answer. I've done a few ACATS transfers in my time, from others sources going into Fidelity. I owned many shares since before 1/1/2011 and had to manually enter the cost basis, and it required review and approval by Fidelity. Not sure how thorough they check it, but I was never questioned or asked to supply any additional information. I assume they at least confirm the acquire date matches the day's price range. Only PITA was having to recalculate some stock splits as my original paperwork was pre-split shares, but Fidelity only recognized post split share counts, then 4 times a year since I did DRIP.
Good points! UTMA is a bit of a PITA and it is irrevocable and generally when they can gain access is controlled by state law, not what they are ready to handle. A trust is another option and give you more control, but is still extra work. Any account in their name will count against FAFSA harshly. 529s are an option with caveats. What we did is open separate accounts for each child joint with a parent. Technically, they could access the money, but since they didn't know the account details, that was unlikely. We paid tax on the income/dividends. Having an account with their name on it made it easier when family send them birthday checks. When they became independent, we transferred the funds to an account in their name only. Honestly, opening an account with your kid(s) name(s) on it with you is very helpful given modern banking rules just for gift checks. This works great up to a few thousand. However, for hundreds of thousands, you might do better with a trust account or an account just in YOUR name that specifies the trust as the beneficiary -- so that you can stipulate what happens if you die before they reach adulthood and still maintain control until whatever time you deem best. This goes beyond investing to estate planning.
Do you trade the same tickers across them? This seems like it would be a Tax accounting PITA…
Some apps allow it. It’s really dumb how it’s controlled like that. I know Webull has overnight trading, but you need to use withdrawable funds, which makes it a PITA in this situation.
AMZN is down on the month, it's down like 3% since last weeks high. I don't think anyone is gonna stop using AWS because of a temporary outage. I use it, and will continue to. It's a massive PITA to switch cloud providers & they have a really good track record / reliability. IMO it's mostly a no story - I'm gonna keep paying them & I suspect everyone else is as well.
Every company in the world some years ago: > We can't trust our own servers, we need redundancy: let's pull AWS into the pool. A year later: > Managing our own servers is a PITA, lets just use AWS. We don't need redundancy, AWS never goes down. It's Amazon! Soon: > Let's buy some servers ourselves and use them for redundancy.
What's your argument for this? Have you actually used it in the last \~10 years? The innovation coming out of the field is amazing. IE: See hyperliquid for a great example (it replicates the performance of the NYSE, but as a DEX). You can literally build HFT systems for decentralized markets now. Over 200k TPS, and you don't need to worry about counterparty risk. Prediction markets are great too. Companies are tokenizing their shares (see: what robinhood is trying to do). Kraken is already doing it too. You can trade them anytime, anywhere, without needing to go thru the stock market. Crypto solves the counterparty risk problem, which is a fucking amazing feature. It has \~600million users globally, and growing. It also solves the 'bank blocked your transaction' problem, which I've dealt with before. It's a fucking PITA to try a transaction and have it frozen, and have to deal with that. It's always the same shit "yes, that was me. Yes, I tried to send that money. Yes, it's legit". Ok - sent. There is a ton of innovation coming out of the industry right now, and imo you're foolish to write it off as a 'nothing burger that's going to $0'. \--- Have you actually used it???
There's over 100million holders. People use it to transfer money easily / as a medium of exchange. I've used it to transfer large amounts cross border with no friction before. It's super useful for that. Wiring shit thru a bank is a PITA. It's also the worlds largest unregulated gambling market. That's insanely valuable. Also insanely useful for dirty money (drug money and shit) - which is a multi trillion dollar industry. You're actually regarded if you think people aren't using it for that. Just because it's not a legal market / industry doesn't mean it doesn't exist. It's fucking massive.
This Tylenol thing is certainly a PITA but what comforts me is the knowledge that they own quite a few very strong brands, Band-aid, Listerine, etc. These aren't going away anytime soon. Ever used a generic bandaid? They suck lol just use this period to sell covered calls to lower your average and sell when you've recouped your money. At least that's what I am doing
I would, but I wouldn't want to own investment real estate in the first place. Real estate can be a PITA. You have specific asset risk. It complicates tax returns. There are high transaction costs. It's illiquid. You have to sell to obtain the full value, and it's all or nothing, which means potentially large capital gains amounts. And you can't eat bricks and mortar.
my wife makes me salad all the time, and i decided to try and make her one: what a PITA. Always be grateful for a good salad. Half you food you eat in a day should be made of raw vegetables.
>What am I missing here? Well, for starters people are talking about a Roth IRA. An IRA has many advantages over a 457 and has its own separate annual limit. So you can max both your 457 and Roth IRA. It takes like 5 mins to open an IRA one time. I’m not sure why you think it’s a PITA.
Income and savings plan really matter here. >It's a PITA to make an entire new Roth account with an entirely different brokerage It's a 20 minute process you do one time. With automatic investing, the average time commitment I've had is about 5 minutes a year (mostly to update addresses).
For anyone curious - I build arbitrage systems (HFT) and just been dealing with bureaucratic shit for the last few months. It's the hardest part of the entire process... takes fucking forever to figure all that out. It's a PITA I hate dealing with. I believe we got everything done tho, so likely heading back to that soon. I had a few week break so figured I'd come shitpost in my downtime.
Nvidia uses their own interconnect for high throughput between GPU’s. Great for AI, useless for everything else. When these things get too old and end up being liquidated their salvage value will be non existent as they’re largely nowadays water cooled which is a PITA, whatever wholesaler buys it will have to deal with custom customer directed firmware and BIOS on the cards. Additionally, these aren’t PCIE cards, it’s a baseboard so that’s useless when the GPU’s get too old. It’s a bad trade
Diversification in order to mitigate risk. If you want to be as diversified as, say, the S&P 500, you could buy $20 worth of stock from each of the 500 companies in the S&P500. That's not very efficient, and would be a PITA to keep up with as as companies drop off of it or get added to it. Invest in a mutual fund that's indexed to the S&P500, though, and that's all taken care of for you. If, instead of aiming for that level of diversification, you invested $2000 in each of 5 different companies, than a terrible performance by any one of those 5 would have a significant impact on the value of your portfolio.
I don’t know what you should do but Here’s what I did with my portfolio. I’m thinking the rotation will begin or has begun so I’ve diversified 70% to a Global ETF (VEQT in my case) the rest is targeted to stocks I like mostly unrelated to tech. I also don’t use USD as my currency so the declining USD is a PITA for me and VEQT is outperforming S&P. I’m 10-15 years from retirement so I don’t want to risk a major decline in my portfolio that can delay that.
As a swing trader who uses TA, a PC will absolutely increase your efficiency and reduce frustration. Charting on a phone is an absolute PITA for me. I believe it’s worth it if you are serious about trading.
There's no fucking way I'd own that car without being able to do.kost of the repairs myself. I need to do the lifter shims, which will be a time consuming PITA. Rod bearings are also probably due, but I'll probably pay someone to do those since I don't have a lift and don't want to spend hours wedged under the car because there will undoubtedly be things that get noticed need to be done while I'm in there.
People also don't understand Oracle SW licensing. Companies are being forced to their SaaS by all but EOL (treating it like a 2nd class citizen) their on prem stuff and having such a PITA ambiguous licensing it was once part of a massive lawsuit with Mars. Even after the lawsuit, people jumped through hoops, often unnecessarily, to comply. I.e. people will use their SaaS, even if it costs a bit more just to free up their IT staff and infrastructure from their bullshit.
Honestly, it should all be in a watch or key fob with interchangeable interfaces. Phones are a PITA
Major 2 advantages? Switching is a royal PITA and I really don't wanna do it if the reason is "it's cooler"
No one has the crystal ball. Your first instinct is correct and a free one like the others have said - your bet that a certain stock will either go up or down. There are only 2 ways it could go. IV is a real PITA and time to decay is another vicious SOB. Someone willing to pay a handsome price for your contracts while you’re ITM 60dte is obviously not gonna be around when you’re OTM at 10dte. Options isn’t for the less educated or faint of heart. There’s no guarantee those who made money on options is going to be consistent in making money thereafter.
By the nature that SGOV holds almost all short term Treasury bonds its share price does not change much during a day, but it is not the same minute by minute. SGOV does not pay profit. SGOV distributes dividends from the interest paid by the Treasury bonds it holds. Since the dividends are from Treasury bond interest they are exempt from state and local income tax to the extent that the dividends are strictly from Treasury bonds. This is typically almost all of the dividends, but not 100%. There is a special procedure to claim the state tax exemption for dividends from federal obligations for state tax filing. All of the info you need is not on your broker 1099. It's a minor PITA. [https://thefinancebuff.com/state-tax-exempt-treasury-fund-etf.html](https://thefinancebuff.com/state-tax-exempt-treasury-fund-etf.html) Vanguard's VBIL is almost identical to SGOV.
I look at who the DoD is giving money to and how much value is already figured into the price. I don't like the lack of agility dealing with giant companies like Google and IBM. Sure, through VOO or something I'll buy etfs with big players, but if you are looking for a moon shot, my money is on DWave (QBTS) & Rigetti. -DWave is selling annealing quantum computers which are already providing solutions to real world problems. I like their patent portfolio. I don't love cryogenic solutions, but I think they will continue to be leaders in being first to market and if they grow their customer base and get a good reputation may keep those customers while they advance. They get money from DARPA and the DoD, but it's kept low key which tells me that they are probably getting a lot. -RGTI is an interesting model that's not just ignoring traditional computing, but creating hybrid models that use superconductors and aim to sell *services* as much as actual hardware. I see that as what most universities will budget for before investing in whole systems. They were given at least 8.6 million by the DoD and Air Force and seem to be involved in more long term projects. -IONQ is interesting for sure with their trapped ion method, but it's almost as much of a PITA to deal with lasers as it is with cryogenics. Plus, they are extremely overpriced IMO. They were given 5 million for individual projects that may or may not be renewed. I think QBTS and RGTI are the best play for those who are looking for the best price and can't afford to gamble 4× as much per share on IONQ. They are probably all getting a lot more than we know about, lol. I also feel like it's an industry that is worth supporting- plus DWave is originally Canadian but for accounting purposes considered a US company, Rigetti and IONQ are both US. companies.
I lost 150+lbs naturally and all I take is Prilosec. Weight loss and it's physiological/mental processes is probably one of the things I'm most knowledgeable on. Besides, I'm sure your super secretive industry was a PITA for someone else's, that's how it all works.
I'm pretty much retired now so I can say this, in my industry the number one PITA patients were middle aged female nurses and therapists, bonus points if you are single. The mental health practitioners were always on the most meds and bats...t crazy, so pardon me if I dismiss your take on it weight loss meds as they would probably conflict with the stuff that you are already on.
Basically rich people don't want to be stuck in traffic like the poors and helicopters are a PITA to maintain/pay for
Roth IRA, HSA, 529s for the kids, small taxable account, our house and a couple rentals. I find the rentals to be a PITA, kinda wish I invested in my taxable account instead. Ah well.
My client will not be able to go through the tedition of assigning tax lots. It's a PITA, and you only have 1 day to do it.
Pft this comment is overrated. That PITA bread slaps.
Technically, the more often you buy the closer you will track the market performance. I would not want to track daily or weekly buys. That could be a PITA.
Yeah I was on the fence and then got my first high paying job and was like “well it’s real-estate or the stock market” and I know how much of a PITA being a landlord is so here we are!
Don't buy it physically. Buy miners if you want, buy BAR ETF if you want, but don't buy it physically. Ask me how I know. I have gold sovereign coins, it is a PITA to offload it, I will most likely sell it 2% under spot.
Of all the fruits to grow, this is the easiest. The damn things are basically weed. Harvesting them could be a PITA though
Disagree. It’s easier to pirate these days as a primary source of content if there are specific things you’re looking to watch because of the fragmented nature of everything. Unless you subscribe to 10 different providers, you don’t have access to everything. And even if you do have a lot of subs, it’s still a PITA to figure out which service you want. Pirating is a one stop shop with maybe a 10 minute delay. And interestingly enough, depending on how you download it, there doesn’t even have to be a 10 min delay.
My work rolled out Copilot Chat. It can't tell if it's helpful or not because it crashes every time I start using it for anything intensive. Also annoying that it has some kind of hidden formatting/characters so anytime I try to use to to help with any kind of coding/scripting, I can't just copy and paste it's output into my IDE. Anything that's indented throws and error. I have re-do all the indents. Combined, that means even though it's more of a PITA to use from our computer systems and I have to be paranoid about not exposing propriety stuff, I still use the "more limited" free version of ChatGPT instead.
Ehh. It has its good days and bad days. I’m about 2 years out from the surgery in October. I’m 30 so it’s going to be a PITA my entire life. Fortunate to not have any nerve damage based on the herniation size. I see a chiropractor 2x/month which helps. I will say this… I’ve struggled big time lifting weights afterwards. Hard to keep muscle on since I lack the neck motion after the fusion took.
It really is crazy. I only bought BITO because I was tax loss harvesting FBTC. The dividends are huge but also a massive PITA if you’re trying to be tax efficient like I was. I should have done more research. I’m using the distributions to purchase more FBTC.
Make regular contributions to a Roth IRA and an HSA (if you can with your health insurance). I didn't do this and am now starting on a multi-year Roth conversion process that will be a PITA. It guarantees that I will pay top dollar for ACA for years before Medicare.
Copper Clad Aluminium really sucks as a wiring choice. Sure it saves copper and for (very) high frequencies it works, but it's still a PITA to work with.
The last time I looked at a Customs Entry Summary was about 2 months ago. I'm retired but worked with them for literally 10+ years so had a good understanding of them...or at least I did. It was a shipment that had arrived from China and it was a hot mess. It had the normal HTS codes and rates, then at least 4 or 5 other rates per HTS code with a mix of certain codes getting one or more extra charges. You'd have to do a whole lot of analysis to make sure you were getting charged correctly but finding that info would be a giant PITA. Yes I am glad I'm retired and I'm really fucking glad I'm not responsible for a 2026 Budget. There aren't enough darts in the universe to try to plan for chaos.
I am going to respectfully disagree that it won’t replace people’s desire to own vehicles. The generation being born right now will have zero interest in owning a vehicle. Owning vehicles is a PITA, but we are just used to it. When you can summon a AV from anywhere and it always arrives to you in less than 5 minutes, there is no reason to own a car - which you have to garage, clean, insure, register, maintain, etc.
Their books may be cooked but I will never buy another car via a dealer again. Best and easiest buying experience ever… Buying a washer and dryer from Home Depot was 10000x more difficult and took at least 6 mos to get right. You make a traditionally PITA experience easy for customers and they’ll keep coming back.
Generally speaking, ETF's are superior to MF's in just about every way imaginable. From taxes, totaling opportunities, to fees, to transfers, just about anything. The only thing I can even think of for MF's is if a brokerage is trying to lock you into only using them they can try to come up with some proprietary fund, but typically there's just an ETF that matches whatever MF cheaper. Often, ETF's can literally be bought on 24 hour markets. This means you can buy dips real time and maximize gains. It's ultimate flexibility. MF's are a PITA. So much so in fact, that ghe reason ETF's even exist is to address all the shittiness MF had going on. They literally created them due to the shittiness of MF's. In 401k's you may be required to use em, but anywhere you have the option I'd strongly consider ETF's instead typically.
This. And no, I don’t. I captured profit and put it back in the market when I was sure it wasn’t a freefall. Ended up being a good rebalancing opportunity. The taxes are a PITA but I’m not worried about them. I feel fine about the decision.
I got a WF account in 2015, I had to switch banks a few years later after I found out they were essentially stealing money from me in the form of various fees and a bogus credit account they created, I guess it was hidden in the fine print idk, its the whole reason they got in trouble. PITA to close the account and move my money to another bank AND it dinged my credit score. Just awful.
Oil isn't a great leverage tool for Canada here. Much (most?) of the refining actually takes place in the US; It's the entire reason we have the Keystone pipelines, etc. Canadian oil is "heavy", it takes much more extensive and difficult refining. Most of the refining capacity to process that oil is in the US, near the Gulf, where it can be processed into products for export. Canada themselves have very little refining capacity for heavy crude and that isn't something that's easy or quick to ramp up. It's also incredibly dirty, which is why Canada has been happy to let the US eat that toxic waste. China may want petroleum products, but they want *refined* petroleum products. Heavy bitumen straight out of the oil sands? Massive PITA to move especially by ship and then they'd have to build and take on all that expensive, dirty refining on their side. The math doesn't math. The only way I see China substantially increasing their petroleum imports from Canada is if that refining capacity was built out in Canada so they could import the refined products. That's a huge, long term investment into a sector Canada likely doesn't want (see: dirty). The smart move is likely to see how long this flirtation with fascism in the US lasts, especially as all signs point to it imploding sooner rather than later. If/when it implodes, Canada can likely offer to "help rebuild America" buying up that US based refining capacity at fire sale prices. It just takes a little patience.
I retired at 56, and regret not having started investing sooner. I do take some solace in that investing was a PITA pre- internet and zero brokerage fees.
What about PITA trades ? Pumpkin inverted tariff algo
What’s the alternative? Hire a development team to build an in house crm? Every in-house crm-like tool I’ve come across is the biggest PITA. Want a custom report or view? Submit a ticket to the dev team Some offense, this is where most developers forget their value add. Can you create a better crm? Sure. Is it worth it for non-mega cap companies (or for non-mega sized teams in those companies)? Nope.
So, back in the early covid days, there was a brief period where some tariffs were paused, I believe specific to China. Do not ask me for details, I'm going from 5 year old memory about which particular tariffs. US Customs does NOT just automatically issue tariff refunds. There is a process, and a business has to gather a bunch of info and file a claim with Customs for a refund. The process is known as duty drawback, and there's are businesses that provide this specific service. The company i worked for did use a service to file the claims as we did not have an in-house Customs department. It's a PITA. A giant PITA.
The court ruling just doesn't really matter. I don't feel comfortable with messing with futures, but if I did on rare occasion, I'd have gone short last night. This area could be a royal PITA for NVDA and SMH to get past based on previous history.
Keeping Schwab's API token alive has been my first struggle. I moved from a different API provider and am trying to get Schwab working. The required web login is a PITA. How have you gotten around this?
Yeah, it'll come back, there's way too much going for it with all the major manufacturers inking distribution deals with them. So many companies across all industries got hammered today with the T bill auction results. Not super worried, but still amusing to see HIMS get whacked so badly. It bounces to $65 in week I'll dip and day trade it's ups and downs again on it's way up further. I should've just shorted it but I was long on it coming back in the afternoon and went out to run some errands and checked on the way back home and was like, "what in the absolute fuckery is this?!". At that point it was too late to do a whole lot. Worse case I wait a week, dump it and then just work it back up anyway and make the money back, just a PITA either way.
yeah.. my younger one is a PITA.. i nicknamed him elon :)
The money is entirely yours with no legal obligation to anyone else. You can distribute the funds as you see fit in any amount, time, and portion. Anecdotal oral statements about it have no legal standing. You can honor the deceased wishes as a moral or ethical obligation as you see fit. Money given would legally be gifts from you. Accounting for distributions at different times of comingled funds would be messy and possibly contentious. Managing four investment accounts for more than trivial investments would be a PITA. I might do it for fun until it became not fun. It's $25k each. My inclination would be to just give it to them, be done with it, and let them sink of swim.
That's a great deal for him, less of a great deal for you. If you want to run rentals as an investment, start small. Buy a basic condo or a 2-3 bedroom starter house. Ideally you want one that's a little bit of a fixer-upper that you can do some work on to improve. Rentals can be a good investment, but they have a high PITA factor. If after a year you're satisfied with your returns and you aren't tired of dealing with tenants, you can expand by buying additional rental units. Don't take on partners in your investments. You have enough money already that you don't need them, and they will only try to screw you over.
If it jump up I will wait for any decent pullback and buy long term put spreads (yes they are a PITA), but it cuts the original investment and on a put probably not much profit. - correct me if you know a better way.
Also good luck getting even 1% of the efficiency of Chinese supply chains, infrastructure and employees. India is a bureaucratic nightmare and a royal PITA to interact with in any way.
Stations is really the only thing that matters. There are 200,000 gas stations in the US. There are 3 million street parking spaces in NYC alone. 85 stations in the entire state, almost 10x that gas. It's a PITA here and why I didn't go electric. Now most of NYC hates him. GG.
Because timing options is a PITA and very risky. Not to mention emotionally stressful. Lots of people would rather sit in cash then have to stare at the market and day trade options. Myself included.
Open an Estate Account and deposit the certs. There will be more documentation needed like death certificates and letters testamentary. You’re going to need to go to court and/or hire an estate attorney. The value of the shares will make it all worthwhile. Good luck & keep your patience, it can be a PITA. Sorry about your dad.
The fees sound astronomical and the "semi" in semi-liquid probably means it's timeshare-levels of PITA to get out of. And for what? The most optimistic scenario is performance that's marginally better than a plain Jane index fund. More likely it won't manage to beat in the long term especially when fees are taken out. Stick to an index fund/ETF that's widely traded and low fee. It's easy and it works.
It's a royal PITA, but doable if you have gold dealers nearby. Big cities (NYC, Chicago, etc) should be doable. Otherwise you are going to have to pay shipping, which can be a large haircut and makes it a bit illiquid.
Sure they do. Not saying otherwise, but by that very fact it shows you how disposable anyone can become that's enough of a PITA.
Having big balls is a PITA
Outside of bigger groups where you ultimately want a big house to all fit under the same roof, hotels are simply the better choice at this point. On the occasions where I have either booked or been part of groups that booked AirBNBs, you just realize how much of a PITA it is to deal with random people as opposed to hotel employees who simply want your experience to be as pain free as possible. I get it, the AirBNB is someone’s property so they directly have more personal investment in it, whereas a random employee has no skin in the game when it comes to your room. But god damn, I’ve had to deal with dumb check in processes, absurd cleaning instructions on top of the cleaning fee, and hosts who refuse any type of refund even when their home is literally inaccessible due to natural disasters. Then you add in AirBNB’s horrendous support, and none of it is worth it.
> a $4,200 mortgage I wish I had a 4200 mortgage. I'm at 5600 and its a PITA.
any good charts you use to look at historical data? i tried yahoo finance and etrade pro (web) and going back to old dates is really a PITA.. thx in advance
Never eating PITA bread again lmaoo
Fuck you PITA you should have run up earlier
Everyone laughed at me when I said PITA was going to .70 today
What yall think about PITA?
PITA, this goes up fast... think it will easily go till 90 cents. Just loaded my truck
Bag was not to heavy on PITA
For all PITA pushers: The company has filed for insolvency..! Do not lose your money on that shit, find a better play :)
PITA please just push to 0.54 plus
PITA about to make me a bag holder
Is PITA worth getting into today? Or already ran?
My play today. So far is Bagholding PBM, for some reason it has went up 25% in Pre? Also I bought SPGC yesterday in order to get ready for earnings ONVO looking good on Pre as well again? Along with PITA?
bought PITA at .81 and Wealthsimple crashed, guess it’s destiny
Man PITA too ? At this point where are the discords 😭
PITA going absolutely wild
OP I have bought $1bn of homes over my real estate / credit career. do not buy a single family rental home, not at these rates and not at sub scale. PITA for the most mid returns
It means trying to draw anything on an Etch A Sketch is a PITA and not bothering with.
I’m in a similar situation. 5 lower market rentals. They can be a real PITA. The only reason I hang on to them is as a hedge. I am close to retirement age. Market takes a dump and I need to get through a dip and minimize my sequence of returns risk, I have equity I can cash out. And it pays better than holding my money in bonds.