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Reading the FB comments it looks like they got rid of the tenant on the 1st floor, "rehabbed" the first floor into a storage unit then re-characterized the building as a single family home. I guess that lets you out of some of the rent increase restrictions in the SF Bay Area.
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# ? Mar 16, 2015 14:05 |
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# ? May 30, 2024 19:48 |
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SiGmA_X posted:I don't know the law, but March 2nd to May 5th is over 60 days...? Doh, I was reading that as March 5th, not May 5th.
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# ? Mar 16, 2015 14:31 |
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Sephiroth_IRA posted:I should've gotten a Republic Wireless plan a long time ago. I've had my Moto E cheapass Republic Wireless phone for 5 months, and it's definitely worth the $300 that's been saved to date
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# ? Mar 16, 2015 14:55 |
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Nail Rat posted:I've had my Moto E cheapass Republic Wireless phone for 5 months, and it's definitely worth the $300 that's been saved to date Yeah I tried some crazy x minutes for a year plan that was cheaper but I never had enough mins so I ended up paying too much.
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# ? Mar 16, 2015 15:10 |
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Nail Rat posted:I've had my Moto E cheapass Republic Wireless phone for 5 months, and it's definitely worth the $300 that's been saved to date Yep - same thing here. I'm on the $25 per month plan with the Moto E, and I couldn't be happier.
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# ? Mar 16, 2015 15:22 |
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Sundae posted:Yep - same thing here. I'm on the $25 per month plan with the Moto E, and I couldn't be happier. Yeah I just upgraded to the 25 plan yesterday and its so worth it. My understanding is that if you go over the 5gb limit the only thing they do is lower your bandwidth. Is that the case?
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# ? Mar 16, 2015 15:38 |
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Sephiroth_IRA posted:Yeah I just upgraded to the 25 plan yesterday and its so worth it. Yep, and you get a "get out of jail free" card every six months, I believe. It lets you ignore the bandwidth cap entirely for in case of things you really, really need. I've never even come close to the 5GB limit since it only applies to cellular data.
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# ? Mar 16, 2015 15:47 |
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Che Delilas posted:If any state has a provision that prohibits "unconscionable" rent increase, I would think California is it, and that amount would certainly exceed any sane judge's threshold, notice period be damned. The new rate is enough for the mortgage on a $1.5m house with nothing down. That's loving absurd.
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# ? Mar 16, 2015 20:05 |
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zamin posted:The new rate is enough for the mortgage on a $1.5m house with nothing down. That's loving absurd. That's because it's not a rate that they expect the tenants to pay.
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# ? Mar 16, 2015 22:20 |
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I took up golfing. What have I done.
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# ? Mar 16, 2015 22:26 |
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Bugamol posted:I took up golfing. Better have a good chiropractor
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# ? Mar 16, 2015 22:34 |
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EugeneJ posted:Better have a good chiropractor
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# ? Mar 16, 2015 22:37 |
EugeneJ posted:Better have a good chiropractor Or just send me ten bucks and I'll sacrifice a chicken for you under the light of a full moon. I guarantee that it'll work about 30% of the time.
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# ? Mar 17, 2015 00:09 |
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Bugamol posted:I took up golfing. I've been looking for an evening scramble-style couples league and luckily for my budget I have yet to find one nearby.
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# ? Mar 17, 2015 01:17 |
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Bugamol posted:I took up golfing. I did this last year and exactly. globalgolf.com and eBay are best friends (or mortal enemies) of a BFC golfer.
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# ? Mar 17, 2015 02:46 |
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Golf is a valid sport deserving of respect but one of the douchiest people I have ever met in my life is an avid golfer so I can't help but hate it.
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# ? Mar 17, 2015 02:48 |
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zamin posted:The new rate is enough for the mortgage on a $1.5m house with nothing down. That's loving absurd. Does San Francisco still have any houses as cheap as $1.5m?
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# ? Mar 17, 2015 04:53 |
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I'm finding it not hard to eat out today. My wife got a stomach bug yesterday so I was on kid duty for the evening/overnight/this morning. I've gotten about 4 hours of sleep (thanks, infant dreesemonkey!). On top of that I've been very successfully dieting now for a few months and my inner fatty is imploring me to re-consider my packed lunch and instead indulge in five guys or a delicious sub or something. I must stay strong.
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# ? Mar 18, 2015 15:05 |
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You can make it. I believe in you. Something I need to consider more myself is that food is a choice. You're choosing the less pleasurable venture now for more money later/better health later/longer life. Stand by that choice.
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# ? Mar 18, 2015 16:30 |
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OTOH, popeyes chicken is pretty good plus you get out of the office. (I'm weak, going out to lunch is the hardest thing to break)
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# ? Mar 18, 2015 16:46 |
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Sephiroth_IRA posted:Golf is a valid sport deserving of respect but one of the douchiest people I have ever met in my life is an avid golfer so I can't help but hate it. I did it primarily to network with people at work, so it's "career centered". However I've found that I actually really do enjoy playing and it gets me outdoors which is good. I've met two pretentious people who play golf and take it way too seriously, but the majority of them are laid back and just want to have a good time / drink a few beers. I joined my work golf club which was somewhat expensive ($60) and the monthly tournaments cost $30-$150 each. I bought some used Callaway x series irons/wedges + a few hybrid woods + driver from my father in law for trade in value ($300 for a full set of clubs that are about a year old) so I got a good deal. Still I had to make some budget cuts to cover the $100-$200 a month I'm spending golfing now.
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# ? Mar 18, 2015 18:43 |
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The most expensive gift I ever received was a free set of golf clubs.
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# ? Mar 18, 2015 19:24 |
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Bhodi posted:OTOH, popeyes chicken is pretty good plus you get out of the office. I just tasted bile. Thanks!
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# ? Mar 19, 2015 15:33 |
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I got late night taco bell with my ladyfriend last night, first time I've bought fast food in about 6 months This morning I remembered why taco bell is a bad, bad, bad idea
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# ? Mar 19, 2015 15:36 |
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You'll remember again this afternoon.
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# ? Mar 19, 2015 15:36 |
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The IRS just told me I owe them $2,384, from 2013. The best part is they are wrong. I won some free windows in a drawing and it was classified in turbo tax as gambling winnings. The IRS couldn't figure out that the two $8500 values were the same....
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# ? Mar 20, 2015 06:34 |
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spwrozek posted:The IRS just told me I owe them $2,384, from 2013. The best part is they are wrong.
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# ? Mar 21, 2015 17:39 |
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My wife and I went to San Francisco (from San Jose) for an adoption workshop. We packed a lunch but after hours and hours of talking to people and playing with baby dolls we were both famished, and decided to try a diner one of her friends told us about. We joke about how expensive things are on the menu, but we were hungry and an hour from home. "I could scramble eggs for a fifth of that price!" "It's okay to be bad every once in a while!" We both get some breakfasty food: biscuits and gravy with scrambled eggs for me, and a plate of french toast for her. A coffee, a large orange juice, and a coke. The bill came to $33. I knew that things were expensive but my brain couldn't understand that. I was thinking more like $28 when I did the mental math beforehand. Then I see what I forgot in my calculation: the orange juice was $5.50. I bought like 90oz of orange juice on sale for $5 yesterday. Today I paid more than that for maybe 12oz. UGH.
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# ? Mar 22, 2015 02:07 |
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Now you see why country folk like us gotta stick together and keep those northerners where they belong. Sundae posted:Yep, and you get a "get out of jail free" card every six months, I believe. It lets you ignore the bandwidth cap entirely for in case of things you really, really need. Man I thought for sure I was killing my cap but I checked today and after a week I only used like 150 megs. Not bad. Sephiroth_IRA fucked around with this message at 02:25 on Mar 22, 2015 |
# ? Mar 22, 2015 02:21 |
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SiGmA_X posted:I saw your post in tax about this, but I don't have any input so I figured I'd ask here. Did you get a W2G for it? I think it should be an easy fix with a letter to the IRS, proving value difference. Or call them, and then send a letter. I've always found the IRS to be really easy to work with, if not slightly slow and annoying. I will have to look at the document but I think they sent a 1099. I talked it over with my tax accountant (dad) and he said that a letter and some explanation will fix it all.
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# ? Mar 23, 2015 03:35 |
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spwrozek posted:I will have to look at the document but I think they sent a 1099. I talked it over with my tax accountant (dad) and he said that a letter and some explanation will fix it all.
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# ? Mar 23, 2015 07:40 |
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Is it a bad idea to hand in my notice for my current job before I receive an email confirmation for a new job offer? I had an interview earlier today was offered the job by phone but they have yet to send a confirmation email. I also said to them that I could hand in my notice on Monday but I'm worried about the chance of them withdrawing my application even though I can't think of why they would. If I don't get the confirmation on Monday should I just phone them up and not hand in my notice until the email comes through?
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# ? Mar 27, 2015 20:52 |
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Lazerbeam posted:Is it a bad idea to hand in my notice for my current job before I receive an email confirmation for a new job offer? I had an interview earlier today was offered the job by phone but they have yet to send a confirmation email. I also said to them that I could hand in my notice on Monday but I'm worried about the chance of them withdrawing my application even though I can't think of why they would. If I don't get the confirmation on Monday should I just phone them up and not hand in my notice until the email comes through?
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# ? Mar 27, 2015 20:56 |
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Lazerbeam posted:Is it a bad idea to hand in my notice for my current job before I receive an email confirmation for a new job offer? I had an interview earlier today was offered the job by phone but they have yet to send a confirmation email. I also said to them that I could hand in my notice on Monday but I'm worried about the chance of them withdrawing my application even though I can't think of why they would. If I don't get the confirmation on Monday should I just phone them up and not hand in my notice until the email comes through?
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# ? Mar 27, 2015 21:01 |
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Yeah I thought so. I'll call them and ask for written confirmation on Monday unless they get back to me over the weekend. Thanks
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# ? Mar 27, 2015 21:01 |
So, sanity check: The wife is going to university in January, so instead of investing our ~50% savings rate we've been saving it for her tuition. We just passed a whole year of tuition in savings. The rationale is kind of bothering me. Basically, we can get a student loan that's interest-free for the four years she goes to school, move to cheaper housing, and save a fraction of our current amount because of her lost income. We've been really aggressive just holding onto the cash to pay the student loan off immediately once she's done with school, since it makes more sense to have cash and "free" debt for the four years than no cash and no debt (right?). Is this a dumb thing to do? We could just be investing it and mathematically the odds are in our favour because the interest rate is like prime+1.5 (like 4.5%, say) and the market obviously usually returns greater than this. And it's not as if the payments will cripple us even if there's a recession in 5 years lasting a decade, because a nurse and a teacher together here make about 140k. The scenarios compare like this: Keeping tuition in cash: potential "return" of 4.5% for a few years. Let's say $1260/year for however long it would take us to pay off the loan otherwise. Say, $3800 altogether assuming 3 years to pay off loan. Investing tuition in balanced portfolio: potential return of 7% = ~$5000 at the end of 4 years. Gross, not counting fees. The downside is risk, our money could sit in worthless index funds for a long time while we rack up student loan interest. Returns would be tax-free though because of the TFSA. Investing tuition for retirement and paying off student loan when it comes: This seems to mitigate the risk of investing for such a short window but means we'll have to pay the interest rate for 2-3 years while we pay off the loan. What makes the most sense here?
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# ? Mar 28, 2015 17:33 |
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What you're looking at doing is leveraging the loan during the interest free period. If you want to wipe out the loan as soon at it becomes interest bearing then holding in cash for a 3-4 year window makes sense. If you take a long term view of investing the money (for significantly more years than the loan to make sure you get the gains) this also works. You are still leveraging the loan to invest. However you get compounding (exponential) returns versus the straight line interest of the loan (assuming you don't miss any payments). Leverage like this allows for a better return from a lower interest rate/capital gain than the loan interest. Everyone with a mortgage and has any savings or investments is doing this.
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# ? Mar 28, 2015 21:01 |
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tuyop posted:So, sanity check: It doesn't sound like a bad plan, given your future earnings potential (although how sure are you about getting a job as a teacher in Canada? Have heard the market can be quite tough there.) So uh, sorta similar to your situation: I don't have the option for loans and I realised I probably need to do the opposite of this, and get my money out of the market for the short-term. I have some safety margin with my savings but it's not massive (and I probably won't be able to find a full-time job my first year out of school due to having to wait on a work visa, thus missing hiring season), I could potentially wind up unable to pay tuition next year if there was a big downturn and/or the US dollar tanked, leaving me with half or 3/4s of a degree (useless) and no savings I realise chances of this happening aren't great, but it's probably wiser to take the hit in potential missed investment earnings for ~2 years than expose myself to that kind of risk, right?
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# ? Mar 28, 2015 22:24 |
Pompous Rhombus posted:It doesn't sound like a bad plan, given your future earnings potential (although how sure are you about getting a job as a teacher in Canada? Have heard the market can be quite tough there.) Yeah I wouldn't take that bet, the risks are too great and the benefit is pretty meh. As for earning potential, I think the market is tough if you're lousy or average or refuse to move*. I've received one award and I'm being nominated for another, so I think I'm a pretty good teacher, and I'm willing to move. My current principal has offered me a job in September and that division starts at over 80k/year. The only reason I'll be out of work is if I don't want to work. * insert tuyop luck caveat here. The job in this school is attractive because it has limited locomotion requirements. I live 300m from the school.
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# ? Mar 28, 2015 22:46 |
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# ? May 30, 2024 19:48 |
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tuyop posted:Yeah I wouldn't take that bet, the risks are too great and the benefit is pretty meh. Until you crash the school into a lake, that is.
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# ? Mar 29, 2015 13:53 |