Favorite Temeculaguy’s Posts. An Homage.

[temeculaguy]

Yeah but when it was happening, you didn’t seem to enjoy it, your name was fitting at the time. You were scared. That weird energy was fear leaving the body in the face of uncertainty, and it didn’t leave everyone at the same pace. Now that it has past, you look back on it like i look back at the first time I jumped out of an airplane with only a parachute between me and certain death. Now I think of it as a fond memory, but in the moment I was scared.

You do still owe me a bottle of wine for talking you off that cliff, I’m one of the few people who know what house you bought and what you paid. In any other time but that weird period of uncertainty, you would have been arrested for theft because you got arguably the best deal of any pigg. You live on land in a custom home within walking distance to a winery and your mortgage is comparable to a mission valley condo’s rent. So of course you long for the days of yore, who wouldn’t like to remember kicking a 90 yard field goal during the Superbowl. Cancel your next therapy session, join the nearest 2 wine clubs and begin to enjoy taking the single best thing about where we live.

You are more than welcome to join me in my next adventure since you possess a six pack now. As soon as these kids are off the dole and out of college, I’m going to hit my next bucket list item. A week at some all inclusive carribean naked resort like hedonism. Now that I have a permanent ladyfriend with a similar spirit, it won’t seem so creepy and just think how easy it will be to pack your suitcase. Sunscreen… check! One outfit for the plane ride home….check! Toothbrush….check! And we’re done packing. I’m not kidding, I’m going before this body completely falls apart.

[scaredyclassic]

maybe that’s what I need; a bucket list.

right now it’s pretty thin:

400 lb deadlift (actually the deadline on that is 12/31/14). currently at 305

farmer’s walk 210 lb total down the hill to the mail box and back, without setting it down.

clean and press 150 same deadline.

I’d also like to obtain a 2 inch manila rope and be able to climb up and down it very quickly. Did you know rope climbing used to be an Olympic Event?

shoot. that’s about it. I need to flesh out the list a bit. Travel won’t make it though; I just want to stay home.

[carlsbadworker]

[quote=6packscaredy]but man, TG was so funny. The whole site had such a great energy and it was substantially attributable to TG. Now it’s like the morning after a big party at my kid’s college, it’s just like empty red cups underfoot with cigarettes, and weird people crashed on the floor and someone cooking eggs in your pan.[/quote]

Very true. I enjoy reading your and TG’s posts because I felt like you both are artists…that you see patterns others are failing to notice.

[Rich Toscano]

Great to hear from you, TG, and really happy to hear you are doing so well. Your great posts are definitely missed. (Not that I have much to say about it… I am pretty much a lurker myself these days).

[carlsbadworker]

[quote=temeculaguy]Cancel your next therapy session, join the nearest 2 wine clubs and begin to enjoy taking the single best thing about where we live.
[/quote]

TG, any particular wine club that you would recommend?

[Aecetia]

Okay, that would be an interesting reunion- Marion and Poway Seller.

[FlyerInHi]

6pack, what kind of deal did you get on your house, percent off of peak?

I’m competitive. I want to know if I did as well.

[Casca]

Because of TG’s observations, I still can’t date a woman with a horse. I respect his opinion that much.

[The-Shoveler]

I don’t know I still think his real identity is really “ManBat”

[scaredyclassic]

[quote=FlyerInHi]6pack, what kind of deal did you get on your house, percent off of peak?

I’m competitive. I want to know if I did as well.[/quote]

50-60 perc off. Call it 55. Buying the house left me kind of broke. But the truly smart move I made was to immediately start saving money right after we bought the house, nOt buying a whole bunch of furniture or other crap, and buying down the balance to a conforming 417k and refinancing at 3.375 percent about a year ago.

The reality is I will probably, if things continue to go well, G-d willing, never sell or leave or heloc so it’s that 2450 payment per month with taxes and insurance for an upper crust house and land that is the really good thing for me and my people.

[scaredyclassic]

[quote=Casca]Because of TG’s observations, I still can’t date a woman with a horse. I respect his opinion that much.[/quote]

I recall that and he was very persuasive on that issue. On the other hand my wife has always wanted a horse but I’ve been able to halt the horse.

Still, horses are bad news.

[paramount]

I thought this was TG’s alter ego (from temecula patch):

That Temecula Guy September 18, 2013 at 08:31 PM
Ashley… “…grinding more than what I wanted…” The validity of your argument ended there. It isn’t appropriate behavior at a school and you know it. Values used to mean something in the U.S., but this feel-good generation of socialists allows this garbage in moderation. Isn’t it time to take a stand yet?

[CA renter]

[quote=6packscaredy][quote=FlyerInHi]6pack, what kind of deal did you get on your house, percent off of peak?

I’m competitive. I want to know if I did as well.[/quote]

50-60 perc off. Call it 55. Buying the house left me kind of broke. But the truly smart move I made was to immediately start saving money right after we bought the house, nOt buying a whole bunch of furniture or other crap, and buying down the balance to a conforming 417k and refinancing at 3.375 percent about a year ago.

The reality is I will probably, if things continue to go well, G-d willing, never sell or leave or heloc so it’s that 2450 payment per month with taxes and insurance for an upper crust house and land that is the really good thing for me and my people.[/quote]

Great move to pay down and refi your mortgage, scaredy. Your timing (and luck!) was excellent.

Isn’t it scary how much less money you have after buying a house? Even though we’ve owned before, it seems that after buying this house we really had to reel in our spending. Not a bad thing…just pretty surprising how much of a difference it has made in our spending habits.

[scaredyclassic]

that 3.375 was with a 5 or 6 k credit, too, after final negotiations, as described below…

in retrospect, it was almost impeccable short term timing, but at the time, I thought it was dumb, I wanted to wait, i was pretty positive rates would go lower but not much lower, and i was jumping the gun a bit at 3.375 or 3.25 without the credit. Since I was fairly certain there was at least another 1/4 of a point to go, I immediately started the process, knowing that whenever I am sure of something I am almost always wrong.

the only thing I know and have learned is that I’m pretty out of touch with what’s going to happen and that if it’s a good deal, and I’m pretty happy, I should probably go for it. The perfect is the enemy of the good. If your marriage is not so bad, stay in it! leave a bit of money on the table. a good plea is much better than a trial…etc…

This is all very clear and has always been clear to me and simple to accept while advising other people how to act, in my capacity as a lawyer…but is harder to put into play in my own affairs, since I sometimes i think I know more than I do. It’s much easier to give other people advice than to truly embrace it in your own life.

the cool thing I did, that i do take full credit and responsibility for, was after the appraisal came back at more than 30% equity in the house. I was able to negotiate another $1,000 to the credit based on that, since the rate would have been lower (or credit higher) had I applied initially with 30% equity. i only claimed 20% equity, slightly optimistically and was suprised when it came in high. that was pretty swift! today, it’s probably close to 50% equity, I don’t expect to ever be able to refi at a lower rate, but Im not certain about that. so it probably won’t happen.

Another example is I was PRETTY CERTAIN I would be underwater in this house for bare minimum 5 years, probably more like 10, when I bought it. I thought I might come out ahead after 15 to 20 years. Obviously, I do not know.

due to out general frugal nature, we seem to be ok. I owe it all to the book we read in 2001 when we had 20,000 in credit card debt, and 35,000 in total income, and kids…. THE TIGHTWAD GAZETTE

[cvmom]

[quote=6packscaredy] I owe it all to the book we read in 2001 when we had 20,000 in credit card debt, and 35,000 in total income, and kids…. THE TIGHTWAD GAZETTE[/quote]

Not spending too much on stupid stuff really pays off, doesn’t it. We are so happy with our paid-off house and healthy bank balance. Now we have to get up the nerve to quit working for the man…have done 8-5 job plus family stuff so long, that I am not sure what else I want to do in life. Continuing to work when we don’t really need to seems stupid, though. I read http://www.mrmoneymustache.com religiously, he preaches early retirement, but now that we can, I am finding it surprisingly difficult to make the leap…

[Author]

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