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TWBalls posted:I used to work at the hospital just down the street from Netflix. I lived in Santa Clara and preferred it over San Jose. I was renting, but it seemed like Santa Clara was less expensive and they were on Silicon Valley Power rather than PG&E (SVP had lower power rates). And, if you like coffee, head over to Chromatic Coffee off of Stevens Creek Blvd. I appreciate the pro tip! I've been trying to do a lot of research to better understand the area. From what I've heard, traffic/commute is the biggest issue with distance to and from work. psydude posted:
I live in the north burbs of Chicago where a 3-4 bed house in a respectable condition is easily $400-500k. Also consider that property taxes here are just hair under the most expensive in the country at 2.3%, so you literally pay almost $1k/mo in loving property taxes before you hit your principal, interest, and mortgage insurance. Chicago is stupid expensive too, and its not sunny and nice all the time, and the city proper has a horrendous crime rate.
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May 14, 2015 18:25
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mayodreams posted:I appreciate the pro tip! I've been trying to do a lot of research to better understand the area. From what I've heard, traffic/commute is the biggest issue with distance to and from work. I didn't find it to be too bad for the bay area. I lived close to Lawrence Expressway, so it was just a matter of hopping on Lawrence and heading down to Pollard/Knowles. https://goo.gl/maps/tN3do
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May 14, 2015 18:46
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Union, NJ is considered a fairly blue-collar suburb and our house was $284k, negotiated down from $292k, when we bought in 2011. It had dropped to around $276k when we refi'd in 2012. The closer you get to either a direct train line to NYC or a nicer suburb, the more prices go up. I think the house I grew up in, strictly by virtue of its ZIP code and being one single level mid-century modern ranch, is probably worth like $600k. Yep, Zillow says around $690k. I don't know how much it was bought for in '86/'87 when we moved in. In the city, it's probably around similar hugeness for basic co-ops/condos/brownstones/etc. if you can even afford to buy.
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May 14, 2015 18:47
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Haha this is cute you guys have no idea how good you have it http://www.cbc.ca/news/canada/british-columbia/vancouver-has-2nd-most-unaffordable-housing-market-in-the-world-after-hong-kong-1.2919593 Also VENOM is a pretty neat vulnerability.
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May 14, 2015 18:49
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What's the general rule of thumb for how much of a house I can afford? Despite all the $100k Bay Area salaries the real estate market looks scary.
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May 14, 2015 18:55
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at 100k in SF the question is what hovel can you rent
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May 14, 2015 18:57
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Around 3.5 times your total pre-tax income from all sources is a good place to start, depending upon how much debt you have and how much money you want to put toward a down payment.
psydude fucked around with this message at 19:01 on May 14, 2015 |
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May 14, 2015 18:59
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Tab8715 posted:What's the general rule of thumb for how much of a house I can afford? The quick math is your housing should be between 25% and 33% of your take-home. I can say on my mortgage, the taxes and insurance are roughly half the total monthly payment. The value of my house is slightly less than my gross annual pay. Of course, when I financed the house (at the bottom of the market), I was making about half what I am now. There's a lot of wiggle-room.
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May 14, 2015 19:02
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You must live some place with an incredibly low cost of living, or are very well off. If my income matched the value of a normal SFH around here I'd be posting from my yacht off the coast of Mallorca.
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May 14, 2015 19:05
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Since I activated web filtering on the new Fortigate only one person has commented on it. The same VP has made way too many joke requests to turn off the porn filter, and now he's saying that valid sites are being blocked but when I offer to unblock them if he'll send me the URLs he keeps saying "no, no, don't bother." This morning's was blocked because it was in the "alcohol" category. VP: We're all over 21 here, and the place is a restaurant. Dick: The categorization isn't perfect, but I can unblock anything anyone needs access to. VP: No, you don't have to do that. I'm just saying, we're all over 21 here. Dick: Send me the address of any website you need unblocked and I'll take care of it. VP: You don't have to do that. I'm just saying. (Walks away)
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May 14, 2015 19:08
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If there's anything good about living in DFW it's the low cost of living and no state income tax. The former's on the uptick, though. 
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May 14, 2015 19:12
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psydude posted:You must live some place with an incredibly low cost of living, or are very well off. If my income matched the value of a normal SFH around here I'd be posting from my yacht off the coast of Mallorca. Yes, the cost of living where I am is a healthy percentage below average, and the IT market here is relatively strong. Also, I was talking about the price of the house when we bought it, four years ago. The market was pretty bottomed out. Zillow's estimate is that our house's value has gone up by about 30% since we bought it. Of course the house across the street is very similar, and has been on the market at the higher price for over a year now 
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May 14, 2015 19:13
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psydude posted:You must live some place with an incredibly low cost of living, or are very well off. If my income matched the value of a normal SFH around here I'd be posting from my yacht off the coast of Mallorca. He's talking about how much your rent or mortgage/ongoing costs should be, you're talking about flat out cost of buying a place.
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May 14, 2015 20:04
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Tab8715 posted:What's the general rule of thumb for how much of a house I can afford? I forget where I read it, but multiply your current monthly rent * 200 = House you can afford
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May 14, 2015 20:19
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Ignore the rules of thumb. Those aren't estimates, those are guesses. What you can afford to pay is based on your circumstances, your taxes, your costs, along with market forces like the prime rate that fluctuate constantly from week to week. To find out what you can afford to pay per month, you're going to need to put together a budget. You should have one of these anyway. Figure out what you need to be saving to fulfill any future goals (grad school, retirement), what your expenses are for food, utilities, transportation, childcare (if kids are in the plan for you down the road). You can find templates online to help you enumerate all the things you're going to forget. Omit your current rent. What you have left over needs to be split between your mortgage, PMI (mortgage insurance), property taxes, and incidentals (all the things you want that don't fit anywhere else, like a new lawnmower). Consider the money you'll need to have in savings at all times to cover emergency home repairs, like a new roof or a new cesspool. These costs can vary tremendously by region, especially because different building codes are involved everywhere you go. This might seem overwhelming, but it's really the only way to do it right if you're serious about buying a home. You might consider talking to a financial advisor once you have a budget in hand. Check out the Business, Finance, and Careers subforum. There's great threads there on budgeting, home buying, and negotiating offers.
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May 14, 2015 20:23
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Vulture Culture posted:Ignore the rules of thumb. Those aren't estimates, those are guesses. What you can afford to pay is based on your circumstances, your taxes, your costs, along with market forces like the prime rate that fluctuate constantly from week to week. To find out what you can afford to pay per month, you're going to need to put together a budget. You should have one of these anyway. Figure out what you need to be saving to fulfill any future goals (grad school, retirement), what your expenses are for food, utilities, transportation, childcare (if kids are in the plan for you down the road). You can find templates online to help you enumerate all the things you're going to forget. Omit your current rent. What you have left over needs to be split between your mortgage, PMI (mortgage insurance), property taxes, and incidentals (all the things you want that don't fit anywhere else, like a new lawnmower). Consider the money you'll need to have in savings at all times to cover emergency home repairs, like a new roof or a new cesspool. These costs can vary tremendously by region, especially because different building codes are involved everywhere you go.
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May 14, 2015 20:28
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SIR FAT JONY IVES posted:This, and don't go to a realtor first. And get a home warranty. gently caress, why won't insidious tell his story already?!?!
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May 14, 2015 20:36
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Dark Helmut posted:gently caress, why won't insidious tell his story already?!?! 
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May 14, 2015 20:43
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https://www.youtube.com/watch?v=foeVESrverU
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May 14, 2015 20:44
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or perhaps more likely, shsc.jpg
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May 14, 2015 21:11
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Dark Helmut posted:
The suspense is killing me
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May 14, 2015 21:38
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Dark Helmut posted:And get a home warranty. Time zones and stuff?
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May 14, 2015 21:56
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Nah, probably busy at work.
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May 14, 2015 22:00
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Tab8715 posted:Nah, probably busy at work. 
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May 14, 2015 22:08
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Roargasm posted:Use RTSP and force everyone who watches the meeting to use their web browser imo. This 1984 TV poo poo sounds whack - aren't you the guy with Azure DCs and Salesforce? The whole point is to not own an infrastructure. Actually I came up with a pretty good solution. The Broadcast device I already have will output video to all the TVs over coax, and for realtime audio I'm using distribution amplifiers: 1) http://www.siig.com/av-products/splitters-distribution-amplifiers/composite-video/1x8-composite-video-audio-splitter.html and a shitton of these stereo baluns: 2) http://smile.amazon.com/Stereo-RCA-To-Audio-Extender/dp/B00D2172MS To deliver realtime audio to a few dozen of these soundbars: 3) http://www.ebay.com/itm/VIZIO-29-2-0-Sound-Bar-Black-SB2920-C6-/271602720214 That way the entire floor will have amplified analog audio from the person speaking at the mic without risking that audio delay that makes it hard to speak. Plus, it doubles as a company-wide self-contained intercom system, for a few grand.
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May 14, 2015 22:19
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It will sound like poo poo if you're installing lines of sound bars down a room without setting the delays appropriately. There's a reason why proper AV costs so much.
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May 14, 2015 22:38
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Thanks Ants posted:It will sound like poo poo if you're installing lines of sound bars down a room without setting the delays appropriately. There's a reason why proper AV costs so much. What, am I supposed to set the sound bars right next to the speaker to have a very slight delay to account for the speed of sound for the ones 100 feet down the hall? I mean the idea is 100 feet down the hall shouldn't really be heard over the local one. No one is paying for proper AV over here so we're settling for "eh"
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May 14, 2015 23:02
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The idea is that if you stand at the back of the hall then you hear all the speakers in front of you but the sound hits you at different times. It totally depends on the room environment as to whether that is going to sound horrific or not.
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May 14, 2015 23:05
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Langolas posted:The suspense is killing me Insensitive, his boss is probably killing him.
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May 14, 2015 23:11
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Thanks Ants posted:The idea is that if you stand at the back of the hall then you hear all the speakers in front of you but the sound hits you at different times. The presenter is at the corner of the office with two 20-foot hallways going each way, so not a huge open space but more like corridors with desks/seating to absorb some echo. I'm reading this thingie now for a primer: http://www.presonus.com/news/articles/configure-your-pa
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May 14, 2015 23:12
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Race Realists posted:Cisco newbie here. Packet tracer or gns3? I just want the one that takes up less space Both have their merits: Packet tracer simulates Cisco router and switches and is fantastic for initial learning as you get some cool features like being able to visually follow packets as it traverses the network and seeing how it goes up and down the OSI layers. However, it is limited in what features are available. GNS3 on the other hand emulates the router hardware letting you run full blown IOS on the virtual routers and take full advantage of whatever those images have to offer, but that requires having the IOS images themselves. GNS3 can also be very resource intensive if set up incorrectly. I used packet tracer quite a lot when I was first learning stuff, but now I generally used GNS3 when I want to toy around with more concepts - being able to get any image I want certainly helps though.
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May 14, 2015 23:20
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Housing talk makes me appreciate Pittsburgh so much. I bought a decent (though, older) 3 bedroom house for $130k in one of the wealthier suburbs in the area. I also ended up buying it when I was making about 30% less than I currently am which has worked out pretty well in retrospect. I could buy a loving mansion around here for $250k-$280k, but it's much more fun having a ton of disposable income.
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May 14, 2015 23:55
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Dark Helmut posted:And get a home warranty. I am speaking to lawyers and our fair work systems.
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May 15, 2015 03:05
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insidius posted:I am speaking to lawyers and our fair work systems. God dammit. Stop being smart and cautious and dish us some dirt. DOAN DO EET
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May 15, 2015 03:13
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what surely just reading some philosophy would have made it better
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May 15, 2015 03:16
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insidius posted:I am speaking to lawyers and our fair work systems. Awesome. Unfortunately that means you probably shouldn't post anymore about it 
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May 15, 2015 03:30
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simultaneous  and 
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May 15, 2015 03:35
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insidius posted:I am speaking to lawyers and our fair work systems. poo poo poo poo I have to know now
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May 15, 2015 03:36
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My previous shitposting aside, I'm 100% glad that's what's happening.  Assuming it's true. You did the right thing.Post back here in a couple years when the legal dust settles!
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May 15, 2015 03:40
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Dr. Arbitrary posted:Awesome. Unfortunately that means you probably shouldn't post anymore about it Exactly. Ill deal with whatever happens. Outside of that I expect at some point today I will gain the ability to take five minutes, sit back and just breath and least take happiness from the fact that I have or will at least shortly regain my life. This is why I had to be so careful in the first place but sadly, the concerns I had came to life. Oh well, nothing to be done about. Life throws you curveballs and you just have to deal with them.
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May 15, 2015 03:49
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