[Coronita]

Congrats! You got great reliable car with great gas mileage, easy on the wallet for insurance, and easy on the wallet when it comes to collision repairs. and you won’t get stranded in the middle of nowhere.

How did you manage to get $3500 off? Which dealer? At this price I’m tempted to get one… Thinking I can flog it for the next 3 years to death before my kid can drive. Which blue did you get? My favorite is the dark blue.

[Coronita]

[quote=The-Shoveler]Because people like flu are taking their money out of the bank and paying off their loans LOL Just kidding.

Well when you have negative rates I think it is quite obvious, the gov’s want you to take you money and put it to work, not let it sit in the bank.[/quote]

I predict the amount I took out to pay off my mortgage is gonna go right back in there from income from my new job and rent and investments and I doubt I will notice it. 6 months tops..Perfect combination of continued decent employment with good pay + decent returns from investments + decent income from rentals. It’s like a stuck feedback loop, except unlike normal feedback loops, this one is actually good. lol

[Coronita]

[quote=scaredyclassic]Unless mortgage rates get to zero. Which they might.[/quote]

if that happens. I will be the first to do cash out refinance as much of all my real estate equity as I could and go on. real estate shopping spree. And I am sure just about every homeowner with or without a mortgage would refinance too

[Coronita]

[quote=plm]Congrats flu! Just paid of my mortgage as well on Tuesday. Didn’t make sense to keep the mortgage even if it was only 3% since I’m doing standard deduction now so can’t write off the mortgage.

Feels good to be debt free.[/quote]

Ditto.

Congrats to you too!

High Five!

[Coronita]

[quote=FlyerInHi]I’m beginning to like Trump the conservative. He’s making it harder to complain about housing discrimination.

Can you believe an apartment in Vegas paid $5k to a tenant for telling to supervise their kids in the common areas? The tenant complained to HUD.

When I own my apartments they will be 18 and over only. Children are monsters.

https://www.housingwire.com/articles/49873-hud-proposes-changes-to-fair-housing-rules%5B/quote%5D

That’s awesome Brian. Go for it!

I mean, if you really mean it and are truly striving to be a bigger asshole in real life versus just on a real estate blog that no one cares about, and really desire to have even more people dislike you in real life, go for it! It’s certainly a free country so that if you want to be a miserable, grumpy old fart and self destruct on your own dime… More power to you!!! Personally, I like being around people who aren’t so negative and miserable all the time. But whatever floats your boat! You the man!

[Coronita]

[quote=scaredyclassic]I told my wife if I had no mortgage I’d relax.

She did not believe this to be true.

She said I would find other reasons to be nervous[/quote]

I am trying to find newer and more creative ways to consume my net worth on frivolous things. I think I am getting to the point where age is starting to hit me. And I am trying to do more things on my terms. And generally don’t give a hoot as much anymore.

My e-bike conversion kit arrived..Can’t wait to work on it.
.. I know. I should have just bought an ebike.

life is pretty good…

[Coronita]

My motto…”Show me the money”.

[Coronita]

And I am definitely not going to miss that I-5 commute across that 8 mile stretch of double fine 55mph construction zone for the next 2 years. That is the most painful thing these days, when it use to be a fun 70+ ..

[Coronita]

[quote=spdrun]So making up a fancy title on Linkedin is worth it in San Diego?[/quote]

Yup, pretty much. As a techie, it’s a sad truth I didn’t want to believe. But titles at a reputable company sometimes do matter. Probably not just at San Diego, maybe not so much in Silly Valley. Assuming one isnt technically incompetent, everyone is roughly the same in terms of technical ability up to a certain point..So the next step I guess is who can put together projects or clean up other people’s messes. And it seems like these days, people call me to clean up messes others make, and pay well for doing it. And it’s not the 60+ hours I was expecting.
I think I took off whenever I wanted to, went on vacation when I wanted, worked from home when I needed to…and as long as I was sort of flexible so were they…. Almost better than consulting since during the lull of no work, I was still being paid, lol. It might have something to do with why they almost missed payroll, but hey, that wasn’t within my control….And it was a serious consideration. Should I stay and continue to do very little for a lot of benefits or leave and be more productive….Wasn’t easy…

Now titles from rinky companies probably are suspect..Im pretty sure VP at Flu Inc wouldn’t get that far. There’s a joke in China..Everyone is a Doctor…. Everyone is a Professor…. And everyone has an MBA….You worked at a hospital? You call yourself a Doctor….lol. You taught some grade school math? You call yourself a Professor…
If you work at a startup..5 of you will be VP, and the one guy doing the real work will be Principal Engineer… I use to be that idiot one guy! It was frsutrating. I was technically more competent than them, I could walk the talk, they could only talk….I know better now.. And surprisingly my QOL (quality of life) went up exponentially…It’s like I’m living episodes of The Office. Absolutely the worst thing you could do to yourself is turn down management position and let someone less technically competent manage your work. It’s almost better to be an incompetent manager that is strong technically, than to work for someone who only talks and technically incompetent..

[Coronita]

I might have been able to stay at my current place a little longer. But it was getting to the point getting paid a lot to do very little, while at the same time being late on payroll three times.. More funding was secured but one of my execs left and then put in a good word for me that led to meeting the division president and a few other execs… and bam… got a bigger position…. It took about 2 weeks to hammer out a comp package. Comp wise, it’s a slight bump, not that much more. But title-wise, it’s a bigger step up. And the funny part about San Diego is that a lot of companies seem to care a lot about titles, unlike the bay area. Just a quick change in title, I get a completely different set of recruiters contact me with much better jobs instead of those “I got a great entry software engineer position with a starting salary of $80k!!!!” lol

I’m going to milk this unusual demand for techies as long as I can , under my terms, while the going is good.

[Coronita]

Both digits of my are are even numbers 🙂

My primary home took about 10 years.
It started out with a 30 year loan, and I kept refinancing them as rates went down, keeping the same payments, and then refinanced into a 15 year. Some vested stock and bonus went into paying it off along the way (my way to taking money out of the markets)..
That was a few years ago.

This last rental was on 30 year 4.25% I think it took me about 8 years. The loan was small, and I was making double payments each month from the rental income I got on the other props… I paid the remaining balance with an unexpected bonus I just got right before I am leaving my current employer. Not sure why we got one, considering our company last month was having trouble with payroll.. But I’ll take it, lol

[Coronita]

[quote=scaredyclassic][quote=temeculaguy]I notice a lot of the comments mention “I” as far as one’s wishes go. I pay the premiums because I am not going to tell my wife’s adult children that her alzheimers was too much so I decided to have her put down. I lost sleep for a month because I put a 14 year old terminally ill dog down, don’t ask me to do that to a person. We can all be brae about ourselves, but if you have a spouse, it changes the decisions making process.[/quote]

Ok, you sold me.[/quote]

+1

[Coronita]

Looks like Charlie from SemiAccurate was right exactly 1 year ago before the official AMD Epyc Rome launch…

Blast from the past 8/7/2018:

Intel has no chance in servers and they know it

And now 8/7/2019:
https://www.anandtech.com/show/14694/amd-rome-epyc-2nd-gen
https://www.tomshardware.com/news/amd-epyc-rome-7000-series-data-center-processor-zen-2-7nm,40108.html

$3000 less than a Intel Xeon processor for 64 cores. Ouch. That’s got to hurt. I guess for $3000 more with less cores, Intel will throw in 5 security flaws for free, lol.

[Coronita]

[quote=Hobie]While I disagree in principle to offing oneself, I now have a very different perspective on quality of life issues. Maybe if explicitly discussed in a medical directive so as the fam can hope to understand the wish to avoid pain, quality of life, burden to others, etc. and better cope. Then the bitter pill may be a bit more tolarable to all.

Qualification: Between you, your fam, God, and probably your long term doctor only. No government involvement at any level.[/quote]

Well, the way I look at it, if you have really have a debilitating illness, and there’s no chance of recovering to a reasonable quality of life, there really isn’t a point. Your QOL sucks, it becomes both a financial burden and a burden on everyone else’s life. For example, late stage dementia, or terminal cancer or anything terminal for that matter. It’s painful for the individual, it heartbreaking for everyone else..

I have an advance directive, but I’m not sure how far it goes. My understanding it describes what to do in the situation an individual is an a vegetative state and on life support. It authorizes people to pull the plug. But it doesn’t apply to the situation in which you are alive and suffering.. I’m not sure if CA is a right to die state or not…

Edit: actually, since 2016, CA is a right to die state..
https://en.wikipedia.org/wiki/California_End_of_Life_Option_Act

[Coronita]

It’s bullion in 1 ounces.
I don’t want to use the usual online places like Apmex, Kitco, MCM, etc because I want to handle transactions in person.

[Author]

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