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If you're looking at buying my house, you should buy ASAP because I need the money. If you're looking at buying literally anywhere else, wait, because this is absolutely definitely a bubble and there's no loving way it's not gonna pop soon. Wait a while and prices will be much more realistic and you won't have to fight with 14 other people who are all willing to pay cash above asking price and/or waive all conditions on their offer.
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Feb 26, 2021 06:17
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Liquid Communism posted:I tend to think of mine as an old Jeep. It keeps working despite how it complains, but it's been rode hard, put away wet, and the suspension's rebuilt with dodgy chinesium spares. Mines an old brick nose F-250, built like a brick shithouse, but man does it make a lot of cracks and pops and bangs and other weird noises now.
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Feb 26, 2021 06:41
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Darchangel posted:Someone schooled me on paying for a storage space once: the thing you have to ask yourself here is: is there anything in that storage that I couldn't replace for $100 x however long it has been/will be in storage. Sentimental items excluded, of course (but only if they are actually valuable to you.) Things like clothes, ordinary furniture (not heirloom, collectable, or whatever,) common This. This, this, this. First apartment came with a small storage unit in the basement, so might as well use it, yeah? When we got our house, we had (and still have, although I'm working on changing that) no shed/garage/basement, so I got a storage unit. Which was fairly pricey. Because it's either local and pricey, or cheap and 45 minutes away. I then filled it up. And took a look. And realized I could, literally, scrap every item in that room and buy it anew for the first year's worth of rent. So I sold off what I could, threw some away, browbeat my brother into storing the roof cargo box which he uses half the time anyway, and... done. The stuff you own ends up owning you. Only buy quality stuff that you'll actually use, and get rid of it when you don't.
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Feb 26, 2021 10:55
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Coredump posted:Sounds like something I would do.  But yeah, something for ATX stuff that goes in a rack with 3U or 4U size with rails and cheaaaap. Those Silverstone ones are nice but expensive. AliExpress has cheap ones for around hundred euro but shipping is another hundred.
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Feb 26, 2021 11:50
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bolind posted:This. This, this, this. I horde stuff like it's nothing, so lucky I have space and sheds. Want a random CPU from 20 years ago? I might have it, why not throw in a Mercedes Benz V8 I can't remember how I got that I sit on in the shed.
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Feb 26, 2021 12:00
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Somewhat Heroic posted:Interesting this happened. Three or so weeks ago I woke up and told my wife ‘we need to refinance the house’. We’re 7 years into our 30 year at a 3.5% rate (plus whatever the little points are so like 3.7? Effective rate). I know there's a psychological aspect to debt but secured at 2.25% provides you ridiculous leverage and you really should not be paying a dime more than you have to on the mortgage. Rest goes to investments.
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Feb 26, 2021 13:32
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We refi'd to 1.99 on a 15yr. We're not paying a nickel over the monthly. Everything else goes to investments. It's illogical, but that debt is cheaper than any other form of capital. Invest wisely, and you'll be making money every month.
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Feb 26, 2021 13:37
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ExplodingSims posted:I never thought I'd be homesick for FL, but man, after seeing what 400K buys you here, and what 400K buys you there, its a bit of an eye opener. Like, 500K buys you half a burnt out shack here. We went through the same thing and ended up back in FL. And I haven't regretted once either. You're experienced in AC so you'd be fine, that's one of the trades that actually pays well down here you should know that. Buy a house down here with the money you made up there and you're golden.
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Feb 26, 2021 14:28
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sharkytm posted:We refi'd to 1.99 on a 15yr. We're not paying a nickel over the monthly. Everything else goes to investments. It's illogical, but that debt is cheaper than any other form of capital. Invest wisely, and you'll be making money every month. Which is why I don't think housing is on a bubble this time. I think we're headed towards epic inflation.
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Feb 26, 2021 15:13
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Y’all are making me super anxious as I sit here drumming my fingers and tapping my foot waiting for the sellers to agree to close on this house for *checks notes* 8 months now while we’ve blown through rate lock extension after rate lock extension to the point of my lender saying “Alright this is stupid, hit us up when they figure their poo poo out” and there’s nothing I can do besides wait it out or blow it all up and walk away which I don’t want to do.
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Feb 26, 2021 15:46
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Goober Peas posted:Which is why I don't think housing is on a bubble this time. I think we're headed towards epic inflation. I've definitely got skepticism about current monetary policy but on the other hand the Fed rolled trillions of dollars in QE in a period of economic growth and somehow that didn't result in inflation, so what I'm trying to say is macro is fake and monetary policy is, too.
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Feb 26, 2021 15:54
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Kivi posted:Well, silly me didn't specify computer stuff What are you trying to build as an end goal? It might be cheaper to deal with proprietary component form factors and buy a used server with components already in it.
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Feb 26, 2021 16:07
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KYOON GRIFFEY JR posted:I've definitely got skepticism about current monetary policy but on the other hand the Fed rolled trillions of dollars in QE in a period of economic growth and somehow that didn't result in inflation, so what I'm trying to say is macro is fake and monetary policy is, too. Money isn't even real man, it's only worth what we think it's worth  I think this past year has shown us that no financial stuff works the way that experts tell us, and it's basically Ork tech that only works because they think that it works
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Feb 26, 2021 16:22
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The Door Frame posted:it's This is the most apt analogy I have ever heard. 
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Feb 26, 2021 16:27
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The economy in general is just so unhinged from reality at this point, it's not even funny. The stock market is at all time highs coming out of a bonafide despot in the office, and an attempted coup, debt is at insane levels, all while we're in the midst of a worldwide pandemic of the like not seen for a century. It's just a bizaaro world. Without going too far into an oil chat rabbithole, Do we know who makes Walmart Supertech synthetic? My local walmarts have it for $17  /5L for full synthetic which is unheard of.A quick google shows Warren Oil Company with a "WPP" should be visible on the container, but I didn't see it anywhere on the jug. Not sure if it varies by region? It does say made in the USA.
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Feb 26, 2021 16:30
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Yeah its made by Warren. They're based out of San Antonio. I think they bought 2 Shell plants in PA and IL in the early 2000s. They got started doing synthetic oils for tractors and trucks.
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Feb 26, 2021 16:33
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KYOON GRIFFEY JR posted:I've definitely got skepticism about current monetary policy but on the other hand the Fed rolled trillions of dollars in QE in a period of economic growth and somehow that didn't result in inflation, so what I'm trying to say is macro is fake and monetary policy is, too. GameStop stocks and Bitcoin work though man! I also can’t forget Doge (holy crap people made actual money on Doge). Everything and nothing make sense.
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Feb 26, 2021 16:38
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slidebite posted:The economy in general is just so unhinged from reality at this point, it's not even funny. The stock market is at all time highs coming out of a bonafide despot in the office, and an attempted coup, debt is at insane levels, all while we're in the midst of a worldwide pandemic of the like not seen for a century. I know for a fact that Canadian Tire's Motormaster used to be Castrol. I think it still is but am not sure anymore. That price is insane and as long as it truly is full synth, I wouldn't care who made it.
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Feb 26, 2021 16:40
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slidebite posted:The economy in general is just so unhinged from reality at this point, it's not even funny. The stock market is at all time highs coming out of a bonafide despot in the office, and an attempted coup, debt is at insane levels, all while we're in the midst of a worldwide pandemic of the like not seen for a century. The market isn't the economy. The economy is the reality of goods and services produced. I agree with you that the market is not aligned with reality.
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Feb 26, 2021 16:47
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Mustache Ride posted:Yeah its made by Warren. They're based out of San Antonio. I think they bought 2 Shell plants in PA and IL in the early 2000s. They got started doing synthetic oils for tractors and trucks. Warren also makes Costco's Kirkland synthetic and Amazon's AmazonBasics synthetic. 10 quarts of synthetic at Costco for $21, no rebates or anything else? Yes please. Only reason I don't use it in my Canyon is because that wants dexos2.
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Feb 26, 2021 16:50
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KYOON GRIFFEY JR posted:I know there's a psychological aspect to debt but secured at 2.25% provides you ridiculous leverage and you really should not be paying a dime more than you have to on the mortgage. Rest goes to investments. It depends on one's backup funds in the event of the unlikely-but-terrible. Given a consistent annual return on the S&P 500 similar to its historic average, yes, every $100 invested per month over fifteen years would yield $10,830.85 in interest. (I obviously can't determine how much each $100 overpayment would decrease the mortgage total without knowing the original principal balance.) But if paying off the mortgage would be strained due to loss of income, you're best off getting rid of that debt. People are more likely to lose their job when the economy tanks, and that's when a subsequent market downturn would slash the investment that you've accumulated.
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Feb 26, 2021 16:53
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Applebees Appetizer posted:We went through the same thing and ended up back in FL. And I haven't regretted once either. It SHOULD pay welk, but compared to other states, it really doesnt. Like, I know living expenses are higher in the PNW, but out here a tech can top out at 40-45$/hr. Down in FL? Even the big supermarket guys are lucky to make 30/hr. I've applied to a few jobs there and more than once been laughed off the phone for asking fo $30. I might have more luck finding something better since I moved into the office side of things, as a project manager, but I'm not sure if I wanna keep at it. Working in an office is so drat boring. But it's safe and the money is good, so I guess I cant complain too much.
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Feb 26, 2021 17:04
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I want nothing else than to do complex, custom fabrication work, like Binky, but recent events have planted the seed in the back of my mind that I need to be planning for not being able to fabricate in the near future, instead of near the end of my career I'm working on industrial design and 3D modeling stuff, and am going to do robotic welding in my last semester, so if I get sick like this again I'll have options other than groveling to my father in law for a job
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Feb 26, 2021 17:10
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tetrapyloctomy posted:It depends on one's backup funds in the event of the unlikely-but-terrible. Given a consistent annual return on the S&P 500 similar to its historic average, yes, every $100 invested per month over fifteen years would yield $10,830.85 in interest. (I obviously can't determine how much each $100 overpayment would decrease the mortgage total without knowing the original principal balance.) But if paying off the mortgage would be strained due to loss of income, you're best off getting rid of that debt. People are more likely to lose their job when the economy tanks, and that's when a subsequent market downturn would slash the investment that you've accumulated. Agreed, you need to be carrying sufficient liquid funds to sustain you in the event of job loss before you start thinking about doing as I suggested.
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Feb 26, 2021 17:17
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You Am I posted:Yeah, someone at my work was getting rid of Mac Classic era hardware and software, and was able to get my hands on a Griffin ADB to USB adapter with the load of gear. OK, I need to find one of those. I forgot they ever existed. Thanks! cursedshitbox posted:I'm a French car through and through. Crappy electrics, questionable plumbing, frame made of cheese. Tries to poo poo itself regularly. When it all works its great, though that's rare as gently caress. So far I've been an old school American sedan. Not the prettiest, not the fastest, not the most efficient, a little creaky, definitely too heavy, and a little heavy on emissions, but doesn't spend lot of time in the shop, and just keeps going. I'm *very* thankful for that. quote:Going out and buying a fancy house and nice cars isn't in the cards for me, I am fine with this. I applaud those that are willing to endure it. I have a house so I have somewhere to put and do my hobbies, basically. If I weren't into cars and large stuff like that, an apartment would be reasonable. Basically, my house is storage, is what I'm saying. It's going to be a long time before we have anything resembling a gently caress off fund, thanks to my wife's student loans, acquired a couple years ago, in our 40s. I will likely retire, *if* I retire, before that's paid off. We're kinda bad with money, but going by what I've seen, nowhere near as bad as I feel like, compared to America in general. bennyfactor posted:I've got a request for STR and some of the other Dallas area goons: can you recommend a place there that specializes in selling used passenger vans, or at least a good place to look for a used 8/9 passenger (or more) van? I can't think of anywhere that sells specifically vans, but it's worth noting that the Nissan and Transit have only been available in the US for a few years, so will still be relatively expensive even used. I don't think I've ever seen a passenger version of the Nissan, actually. Craigslist still has *some* users. Facebook Marketplace if they are comfortable with using Facebook and giving Zuck all their data. A Caravan with the 3rd row might be big enough. They're nowhere near as "mini" as they used to be. Honda Odyssey also comes to mind, but if you're thinking 3-across car seats, maybe not either. In political news, this mother fucker: https://www.cnn.com/2021/02/25/politics/mitch-mcconnell-donald-trump-2024/index.html
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Feb 26, 2021 17:21
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ExplodingSims posted:It SHOULD pay welk, but compared to other states, it really doesnt. Sunshine tax my man Yeah it doesn't pay well compared to other states, but $25 to $30 an hour is a relatively good wage for Florida and like you said you can get a house a hell of a lot cheaper and still live pretty drat well off that wage and you will always have work in the AC business down here that's for sure. We almost bought a house in NY until we saw the property taxes and were like  . Yeah the wages are higher there but it all goes to other poo poo you don't always think about.
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Feb 26, 2021 17:24
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on balance states extract basically the same amount of tax, just depends on where it comes from
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Feb 26, 2021 17:42
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Welp, gonna be in DFW (the airport, I only have an hour layover) in a few hours, then Memphis. Then Mississippi after a friend picks me up. Not looking forward to driving a loving U-Haul (land of the lowest speed governors in the world) for 700 miles. American Airlines WILL NOT loving STOP SPAMMING ME about upgrading my seats, or maybe moving my travel plans by a day and getting a free seat upgrade. Fucknuggets, I booked this particular clusterfuck of flights because I need to be in TN before 9pm today. Not 1am, not tomorrow afternoon, not next week. I'm just thankful I only have one layover. Krakkles posted:This certainly doesn't explain that, but could be part of it: Wasn't the "stimulus" basically a loan against next (read: 2021) year's tax refunds? No. It was completely free money, not taxable or considered an advance or anything like that. Source The IRS does ask how much you received, to make sure you received the full amount you were entitled to. Sidenote: unemployment is taxable income in most states - you'd get a 1099-G I believe. bennyfactor posted:I've got a request for STR and some of the other Dallas area goons: can you recommend a place there that specializes in selling used passenger vans, or at least a good place to look for a used 8/9 passenger (or more) van? No clue aside from public auctions. I haven't lived in DFW in nearly 3 years, but most large passenger vans are previous shuttle vans or handicapped accessible taxis. I'm in Austin now, couldn't even begin to guess where you'd find them outside of auction lots. Darchangel posted:Someone schooled me on paying for a storage space once: the thing you have to ask yourself here is: is there anything in that storage that I couldn't replace for $100 x however long it has been/will be in storage. Sentimental items excluded, of course (but only if they are actually valuable to you.) Things like clothes, ordinary furniture (not heirloom, collectable, or whatever,) common Yeah, definitely going to go through everything. There's some stuff that's definitely worthless, I just need to figure out how the hell to dispose of it (cheap/old furniture). Some sentimental stuff (including family stuff), some stuff that I keep hoping to use for decor once I'm in a house again. There's also a full size fridge in there that I really should sell or junk - it's probably 12 years old, and last time I used it, the compressor was having trouble starting. I can definitely at least condense down to a single unit, the problem is getting everything to the cheaper unit. Public Storage is considerably cheaper than Extra Space; Extra Space is where the bulk of the stuff is. It's a nice place, but holy fucknuts expensive. Public Storage is a bit more basic (this is a former Lighthouse facility, FWIW, but they took the light out of the "tower"  ), but so long as the elevators work and the doors lock reliably, I don't give a poo poo. It's all insured anyway.I COULD just use my garage, but I swore I'd never store anything except car-related stuff in a garage again (plus the whole "oh hey rats and mice can fit through the gaps in the overhead door" part). Plus my garage flooded thanks to my next door neighbor's broken pipes, along with the garage next to mine. The fact I didn't have anything out there except an old PC (not near the part that flooded) helped a lot - car got a solid bath, but cars are made to be rained on. Aside from the falling ceiling (which did zero damage), it was essentially like sitting in the rain as far as the car was concerned. It's also not climate controlled, though it does sit under my neighbor's apartment, so there's a tiny bit of insulation from that. randomidiot fucked around with this message at 17:50 on Feb 26, 2021 |
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Feb 26, 2021 17:45
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My mortgage is at 1,03% effective right now.
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Feb 26, 2021 17:46
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KYOON GRIFFEY JR posted:I've definitely got skepticism about current monetary policy but on the other hand the Fed rolled trillions of dollars in QE in a period of economic growth and somehow that didn't result in inflation, so what I'm trying to say is macro is fake and monetary policy is, too. I have been wondering if holding wages flat since Regan was in office has kept inflation at bay. People can’t spend much more than they have. Banks can loan more though so housing prices continue to rise.
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Feb 26, 2021 18:18
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I just realized I’m a high mileage E46 with some deferred maintenance. Speaking of the car I’ll probably never sell...
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Feb 26, 2021 18:31
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I think it was mentioned in here already, but USPS is going to be getting a new mail truck. https://www.theguardian.com/business/2021/feb/25/us-postal-service-new-mail-truck-ugly-duckling So that begs the question... What are you guys going to do with your surplus auction Grumman? I really hope we can do something like a LeMons Grumman Cup or something. I plan on gutting mine and putting in a choc for a motorcycle. Make it a track day hauler; bolt a rack to the roof for tires, weld in a toolbox stack behind the driver seat, maybe even put in a cupholder.
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Feb 26, 2021 18:50
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The number of fire crews required onsite would be cost prohibitive.
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Feb 26, 2021 18:51
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They'll probably be fine with some catchup maintenanceGnarlyCharlie4u posted:LeMons Oh.
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Feb 26, 2021 19:12
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Applebees Appetizer posted:Sunshine tax my man I guess for me too, working out in the heat and humidity really adds to the lack of enthusiasm for a lower wage. I mean you can for sure live well of 25-30/hr, but ypure also going to be working harder in worse conditions. Still though, the prospect of affording a decent house at a reasonable rate is heavily temping. At least you can still get a semi affordable 3-4 bedroom for under half a million. And also the prospect of Publix. That's one thing I really didnt realize how much I'd miss
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Feb 26, 2021 19:13
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ExplodingSims posted:And also the prospect of Publix. That's one thing I really didnt realize how much I'd miss Haha, just had a Publix sub last night! I guess you could always wait for the bubble to burst and then come back to get a house, that's probably what i would do. We had the benefit of already having a house to come back to, we just had to wait to kick the renters out when their lease was up
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Feb 26, 2021 19:24
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Krakkles posted:I meant "keep up" like staying alive, not "keeping up with the Jones'", just to be clear lol  The last few years were definitely in a pit. Lived to work, worked to live. Burn cash in a lovely 100 year old house in a lovely neighborhood while bankrolling savings after clearing off remaining debts. Stayed in that lovely house way longer than we should have. Having a spouse and being able to communicate with said spouse went far there. He and I try to live below our means and scale that with our means. Second-hand or straight outta the refuse bin is fine. I like turning cheap, end of lifecycle goods into new things as its an efficient alternative form of recycling. Though there was substantial lingering debts on his part to slog through over the last 9 years that we've known each other. Selling the ex and his' house in 2019 was the last of that poo poo. We were subsidizing half the dues on that place on top of bay area living expenses as the ex couldn't swing it alone. 2014 and 2016 were downright hell in where the universe stuck its dick into the machine to try and break it. 2020 was its own special hell for different reasons. Now? 99% of our poo poo is in a storage building and we're living in the camper you all saw us build in 2020. In less than 30 days its cost to build will have eclipsed versys staying in Vallejo. In that the upfront cost of manufacturing this thing and living in it for four months versus living in that house will be break even. Its burn rate to run is under 1/5 of living in that house which means we can coast for a while while also being very selective about the work that we do take on. A single piece of piece mail work could perpetuate this indefinitely though the plan is to find some burnt out hulk of a house/land before rapid inflation or after bubble go pop. This things the light fast maneuverable scout ship of living. Its been 101 days as of today, its been awesome so far. When life goes bang, simplify, analyze, proceed. Cyberpunk dystopian bullshit? The camper technically can generate $5/day of crypto off its built in hardware and excess solar that'd otherwise just get shunted. Elviscat posted:Mines an old brick nose F-250, built like a brick shithouse, but man does it make a lot of cracks and pops and bangs and other weird noises now. Do you have polybushes? Because hoooly lol last week I twisted this thing up on a powerline road and the thing made such a loud pop, for a second he and I thought a tiedown ripped out of the camper. Turns out it was just the loving cab polybushing shifting. 6.5 ton fucker crawls better than we imagined. cursedshitbox fucked around with this message at 04:10 on Feb 27, 2021 |
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Feb 26, 2021 19:49
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cursedshitbox posted:When life goes bang, simplify, analyze, proceed. Having reached the 3rd act of CyberPunk 2077 this morning at 0200, this right here hit way to close to home. You sure that you're not the inspiration for the Aldecaldos? Edit: Given the tone of the complete quoted post, my comments are meant in the most complimentary and inspiration fashion. I can see how they might be seen of making light of the heavy subject matter. McTinkerson fucked around with this message at 20:02 on Feb 26, 2021 |
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Feb 26, 2021 19:57
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T-Square posted:Y’all are making me super anxious as I sit here drumming my fingers and tapping my foot waiting for the sellers to agree to close on this house for *checks notes* 8 months now while we’ve blown through rate lock extension after rate lock extension to the point of my lender saying “Alright this is stupid, hit us up when they figure their poo poo out” and there’s nothing I can do besides wait it out or blow it all up and walk away which I don’t want to do. I have to ask, what's so special.about the property that you haven't told them to pound sand yet?
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Feb 26, 2021 22:15
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I have no good suggestions I was heavy into BTC/ LTC / ETH and I cashed the wrong time. Only thing I did good was XRP. Pay your house off it is some small comfort in this world that is crazy. I paid it probably at a disadvantage to me but now I don’t have to worry about it. Oh forgot about property taxes thanks government!
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Feb 26, 2021 22:30
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