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January 29, 2016 at 11:50 AM in reply to: Well the world is backwards too in Japan… BOJ just went with a negative interest rate… #793691
an
Participant[quote=The-Shoveler][quote=flu]I’d like to get a negative mortgage rate please.[/quote]
LOL, well maybe Low 3’s .
Time to refi again LOL.[/quote]
I’m keeping my trigger finger ready. Bring on the low 3’s.ParticipantI lost my tin foil hat…
Participant[quote=Blogstar]I’ll mention that to my better half AN, but is she wants a mac, it’s fine with me. O.K. I sent my wife a text suggesting she look at the cheaper alternatives.
What about making data transfer from the mac air to these other alternatives?[/quote]
Where does her data reside? It shouldn’t be an issue transferring data. Just get a flash drive big enough to store all the data, then move the data to the flash drive, then plug it in the new computer and move them into the new computer. If you have Office 365, then all the docs should already be in the cloud, so all you have to log into your account and you should be able to see them all. All of my docs are in Office 365 cloud, so I can log into my mac, my android tablet, and my PC and they’re all there. No need to worry about where the files are.ParticipantPersonally, if I’m looking to spend $1k on a laptop, I’d get something like this one: http://www.ebay.com/itm/272090036846?rmvSB=true
However, for the usage you’d mentioned, I’d either get a Surface Pro 3: http://www.amazon.com/Microsoft-Surface-Pro-Mouti-Touch-Professional/dp/B019RTN060/ref=sr_1_10?s=electronics&ie=UTF8&qid=1454054594&sr=1-10&keywords=surface+pro+4
or the many different cheaper laptops around $300 price range.
Participant[quote=Blogstar]Well, i am not going to break into the old macbook any further until we have the data on a new one.
Can you guys help pick the new one.
looking at this for someone who only does email, word processing, powerpoint,
web browsing. Very little video and we can do photography on other computers.This is one we are thinking about.
Thanks[/quote]$900 bucks for email, word processing, powerpoint, and web browsing?
Participant[quote=The-Shoveler]I was getting 10-15% wage increases in the 1970’s
True a lot of that was performance/merit etc…
But house prices, cars ect.. were going up about that as well.
The lower you are on the ladder the more those cost of living increase mean. and in 1970, if house price increased, you got a higher Cost of living increase (not rent, the price of a home)[/quote]
I feel like that would be an awesome scenario for most home owners today who have a mortgage. A $2k mortgage today might seem high for your average wage earner but after 10 years of getting 10-15% raises, the same $2k mortgage would seem down right cheap.Participant[quote=paramount]There’s evidence all around:
Sales of existing homes plunged 10.5% in November 2015.[/quote]
Evidence? Where? My area have well less than 1 month supply of SFR. So of course sales would have to decline. There’s not a lot of homes for sale.January 3, 2016 at 11:28 PM in reply to: Starting 2016 by Ditching the Serial Refinancing Persona #792953Participant[quote=harvey]”no cost loan”
LOL[/quote]
As flu and HLS have stated, yes, they do exist. I took advantage of it many times. I did one better, I got credit to pay for my property tax and insurance as well. So for a couple years, I did about 2 refi each year. So over that 2 years, each time I refi, I reduced by interest rate AND I didn’t have to pay a dime in property tax or insurance. How’s that for a no cost loan. Or more precisely, they’re paying me to save money.ParticipantI think this is happening through out SD. In my area, active SFR is @30 while December closing is @45.
Suck to be a buyer right now.
Participant[quote=flu][quote=scaredyclassic]Right. Few Asians. Easier curve … higher grades. Humboldt. But if the Asians start attending…might get too tough…unless they’re all on acid….or maybe that’ll just get them sharper….not sure…[/quote]
Hmmm. Maybe I can send my kid there for pre-med, and hopefully it will be an easier A.. And if she succeeds in getting into med-school, all the other asian parents can follow the same path, and eventually we’ll screw up the curve there too, just like we do everywhere else 🙂
I never knoew about Humboldt as a path to med-school. I guess you really screwed that up scaredy by bringing it to my attention. 🙂
For the records, I made up the bottom half of the curve when it came to things like biology. lol.[/quote]Dang it, now the secret is out. Why do you think I’m living where I’m at. I apply that logic to schooling before college as well.
January 1, 2016 at 12:14 AM in reply to: Starting 2016 by Ditching the Serial Refinancing Persona #792904Participant[quote=flu][quote=AN]Congrats flu. However, I don’t think you can be serial refi-er going forward anyways, since rates are going up and not down. I don’t think I’ll be doing another refi again on my primary unless we see another 2008.[/quote]
True… 15 year are now around 1% higher than when I got my loan….
Somewhere I’m hoping I’ll hit the stock RSU lottery at the new company so I can quickly come up with a 50-60% down again on another home without touching any more of my current net worth….Ha ha… yeah right….[/quote]You and me both flu. Here’s to an awesome 2016. Maybe we both can meet in Tahiti when our RSU lottery hit.
December 31, 2015 at 3:19 PM in reply to: Starting 2016 by Ditching the Serial Refinancing Persona #792899ParticipantCongrats flu. However, I don’t think you can be serial refi-er going forward anyways, since rates are going up and not down. I don’t think I’ll be doing another refi again on my primary unless we see another 2008.
Participant[quote=flu]The problem with a lot of large employers is that they have a minimum GPA requirement for new grads, no matter how good you might be. So in a lot of cases getting a c- at say Berkeley is a lot more damaging than say getting a bunch of a and b at UCSD. Also, think about grad school. Doing crappy at Berkeley may preclude your kid at getting into a top tier graduate or MBA program, especially if he/she doesn’t spend much time out in industry before going to grad/b school.
All else being equal, it’s better to be the big fish in the small pond versus the small fish in a big pond, IMHO.
Kinda like how it works in industry. You don’t want to keep getting promoted to the point you are in a role where you are incompetent.[/quote]I totally agree about the big fish in small pond vs small fish in big pond. There have been a study done exactly on this topic and data showed that you’re more likely to be successful, make more money, publish papers, going to higher education when you’re the big fish in a small pond vs small fish in a big pond. You’re also more happy as well.
I personally wouldn’t fret too much about going to the absolute best college. Life is long and I feel like luck plays a huge part in financial success. If you’re meant to be successful, you will be regardless of which college you go to. If you’re not, you can be going to Stanford, got burnt out and become a bum after dropping out or even worse, commit suicide because you feel like a total failure. This comes back to big fish in small pond and small fish in big pond theory. When you’re the big fish in a small pond, you also have a lot more chances to build up your confidence and self esteem, which help greatly in the real world.
ParticipantI think Hillary would win too, unless we get a major or several major terrorist attack. Then it’s whoever the republican nominee is (hopefully not Trump).
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