[Coronita]

BTW: I think you did extremely well GZZ in OB. That’s a huge win. Like my friends terll me all the time, can’t win them all, and I had my fair share of losses elsewhere. Whatever our reasons for moving etc, it’s all good. There are parts of the US I wouldn’t mind going to myself. But I’m default lazy, so it’s hard for me to motivate. I’m kinda jealous of people who have more mobility at times!

[Coronita]

Best wishes for you GZZ. Sorry things didn’t work out for you out here.

I count myself lucky, because most of my rentals stayed in North County so *knock on wood* so far my rentals have been almost fully occupied, with my last condo being vacant 3 weeks due to some minor remodeling, but new tenant moved in with a lease 20% higher than previous one that moved out because they bought their own place.

I retired from tech last December, and I don’t have any plans to relocate out of SD so far.. My kid goes off to college in Fall of this year.. fortunately, I didn’t molest my kid’s 529 college account and custodial account too much, so surprisingly it did better than I expected, so they will be able go out of state up to 6 years including grad school without taking out a student loan. I was a little paranoid about my finances retiring early, but after going through the numbers ad-nausem with my financial planner, he assured me that even if I am unfortunate enough to live until I’m 90 (god please no), I won’t run out of money and end up with a surplus. So for the time being I’m staying here. Maybe that will change depending on where my kid finally ends up post college.

Financial Planner did recommend I stopped trying to day trade, lol, and to think twice about buying any more cars, lol.

It was a little weird and unsettling not working for the first few weeks. But I think I’ve found time to keep myself busy…  I’ve been spending my free time volunteering at my kid’s robotics team and taking some autoshop classes, classes that I always wanted to take but never had time and that were taboo to take in my culture growing up…  I’m hoping to get my CA Smog Inspector License in a few weeks, just so I know the in’s and out’s of our Smog program… heh heh.  Both have been sucking al ot of time, more than I thought it would. I’ve been meaning to do more track days at Thermal, but too many scheduling conflicts, lol.

[Coronita]

Speaking of renting.

I just rented my 1/1 Mira Mesa condo out for $2150/month. I was in a hurry so I priced it lower than I would have liked.

I think I paid around $140k for it during the crash.

The first year I rented it out for $1350/month.

Took about 2 weeks to rent out in the last week of December right before New years.

[Coronita]

You can training AI to be wrong…Consistently.

Think of the analogy of a innocent kid that knows nothing when they are young.

If teach the kid how lie, steal, rob, kill, swindle… there’s a high probability that when the kid grows up, he/she/they will act/say/do things wrong and be completely oblivious to it.

If you train an AI model with enough wrong data, wrong examples, or intentionally feed it a lot wrong things, it won’t be able to tell what is right or wrong. If you don’t give it enough training data in the data you give is wrong, or not representative of the norm, then it too will end up being wrong. Supposedly it should adapt and learn from it’s mistakes. But that assumes the person(people) telling it is wrong is actually telling the truth and also there’s other example that can either confirm or contract.

If Chat GPT is telling you the wrong answer, there probably has not been enough training data for it to know right from wrong. And the original training data it was fed on the subject matter probably wasn’t correct to begin with.

 

I use Chat GPT to explain a bunch of concepts, but when I ask it to generate code, in many cases the code generated is just wrong and the opposite of what it just told me to do.

 

[Coronita]

Did someone say G59…

 

 

BINGO!

[Coronita]

I have not been following rent prices since I normally don’t raise rents each year. But holy shet. Really? I mean, I believe you. I just am a little shocked at how much the rent is.

If I was just starting out, I would be spending most of my money on rent and have almost nothing left. In fact, I probably wouldn’t want to be in SD. I couldn’t afford it.

 

If you can qualify for a new $1.5m loan, I would probably just keep the old house and rent it out.Just curious, what’s your loan rate, and I’m assuming it’s a 30 year? Two tech workers bringing in $500k, you shouldn’t have a problem qualifying for the new loan.

 

[Coronita]

R u sure you can rent out a townhome for $5000/month?

If so, my current tenant is getting sweetheart of a deal on a 2600sqft 5/3 for $5200/month in 92130.

Even if you are renting out at $5k/month, you’re probably looking around $300/month for HOA and I forget how much MelloRoos is there? So take home is probably closer to $4000 or slightly less?

[Coronita]

What about “porn star” being a statistically significant career? I mean, with the availability of OnlyFans these days, it’s not really porn in the strictest definition. Some of these people make a fortune and cut the middleman producer right out these days.

 

[Coronita]

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[Coronita]

Wait, never mind…

Dude…. Did you even do your due diligence?

 

https://www.prnewswire.com/news-releases/bamboo-completes-first-close-of-series-a-funding-raising-16-million-301627531.html

It’s like a startup. Who does their underwritting?

I’m really surprised your were sent by an allstate agent to a startup insurance underwriter. How many claims have they handled, and have they dealt with a massive claim for instance like from a wildfire?

 

[Coronita]

That makes sense, because Allstate and State Farm stopped offering insurance coverage.

 

But WTF is Bamboo Insurance?

 

Never heard of it.

 

[Coronita]

Weird given that allstate recently said they wee no longer writing homeowners insurance policies in CA…and my former insurance broker was from allstate and said they stopped writing a lot of homeowner insurance policies in CA.

[Coronita]

Josh, that looks really nice! Good job.

 

Yeah, stuff like this might be fun to do as a hobby or one off project. But I can’t imagine making a career out of this. I would starve. BUT, it does give you a greater appreciation of people who do this for a living and understand why they charge a lot for their work.

[Coronita]

Josh, next to top left hinge and on the lower part of the door, is that wood filler/putty or just paint?  If it’s wood filler/putty, it might be hiding some imperfection in the door. That could be an issue if you plan on just staining the door. I’d get a small pick and pick off some of that fto see how deep it goes before doing any additional work. If it goes too deep, you might reevaluate whether to stain the door versus paint.

 

 

[Coronita]

…file this under ” hey, I know of a guy that’s really good a stripping paint from wood doors…” Could be an interesting side gig…

 

We’ll call you “The Mobile Stripper”

🤣

[Author]

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