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I think your PC could likely be fixed since it is at least turning on and giving you an error message. But the time and effort are not worth it. I like keeping my old ones running for 10+ years because I find it fun, but it isn’t economically efficient.

It’s pretty easy to remove a hard drive from a broken old PC, if it’s a desktop you need nothing beyond a screwdriver and it takes 5 minutes or less.

Ideally if you are going from one desktop to another, there will be an extra drive slot in the new desktop for the old HD, giving you extra space on the new one.

In any case, the “booting” is done from the main drive on your new PC. The old drive from your old PC connects a lot like a USB flash drive. It happens automatically. So if the drive itself isn’t corrupted, you plug it in with the cable I linked to, and it shows up on “My Computer” as an extra hard drive.

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If it is more than 4 years old, buy a new one. If there’s anything you need on the hard drive, just take it out and either put it in the new PC, or put it in an external enclosure.

You can also salvage your data with this cord if you have a normal sata drive which I’d guess you do with 90% confidence:

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So much for “extended conforming” that I thought was like $750k here.

I was doing property value of 1.3 but I don’t know if that makes a difference. On my refi they put $999,999 and waived appraisal. I am also using zip 92107.

Here’s what I see now, still showing 1.875 no fee, but worse than yesterday when there was a $700 credit.

View post on imgur.com

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It is kind of jarring to see a new development of close-in detached 2-floor suburban homes street full of cookie cutter modernish houses. Driving home and driving through three streets of these?

https://www.live3roots.com/homes/brio

It looks like something you’d see in the hollywood hills, but it will be in a symmetric row of dozens.

I supposed you’d get used to it, and over time the owners would customize them, but I just don’t like it.

Here’s another phase that uses three floors that looks fine:

https://www.live3roots.com/homes/aero

I think the issue is the boxy look is space efficient and urban, and doesn’t look good in a large two floor suburban development.

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Related anti-great room/living room screed:

https://archive.curbed.com/2018/7/11/17536876/great-room-house-size-design-square-footage

I disagree with it partly. I do think the giant great rooms aren’t used much and the space is better used for bigger bedrooms and kitchens, but medium size living rooms near the entrance are great. They provide a way to have one 24/7/365 clean room with good furniture for people with pets and children. And also a quiet room for reading and smartphoning.

By the same author:

https://mcmansionhell.com/post/635435396215521280/we-interrupt-this-broadcast-to-bring-you-an

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As I recall MM had really high test scores even when it was a more downscale area.

The largest 3roots plan is 3,643 SF 5/4.5. So its high end overlaps with CV’s midrange, and is ~20 years newer.

On the other hand, the boxy modern look of the larger 3roots homes is inferior to the more traditional Spanish/French med look of your typical CV place.

The 3R plan that I like the best are the three floor SFH Citrine. Its modern boxy look just works better when it is taller.

https://www.live3roots.com/homes/citrine

If you’ve ever been to newer suburban areas of Amsterdam, Rotterdam and Paris, a lot of them have this look, though not as heavy with the stone trim.

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An even more conservative rate arb would be for me to use the 1.875% cash out to pay down my 3.625% investment condo mortgage.

Big question on this is whether the cash out interest would be tax deductible like the current loan is.

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AN: I tried again, current balance 260k and cashing out 200, and I got 1.875% with no points/fees.

Popping it up to 250k out showed the same offer, plus one with a lower APR (1.75% + fees that bring it to 1.80%).

If I grabbed the no-fee 250k cash out offer, the interest on my cash out would be $4687.50 the first year and the EVM tax free Cal muni would pay $10,600, resulting in an after-tax gain of $5912.

It seems that the very best rate is with a 285k cashout, which has a 1.875 rate with $700 lender credit. Going a tiny bit higher to 290 causes the rate to go up to 2.25%, so there seems to be some threshold balance of around $545k that greatly increases the rate.

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I like this one in Ramona:

https://www.zillow.com/homedetails/16439-Sombra-Del-Monte-Ramona-CA-92065/16749077_zpid/

Much better values in SW Ohio where I’m from. Here’s a restored 1868 large farmhouse on 5 acres for $640k:

https://www.zillow.com/homedetails/4202-Hamilton-Rd-Lebanon-OH-45036/151492839_zpid/

That kind of pricing is why I don’t understand EP’s St. George trolling. While cheaper than SD, it still seems pretty expensive. $640k there gets a cookie-cutter stucco box on an unimpressive dry lot.

Here’s one for $700k that’s 12 acres with cows, pool, professional fenced and lit basketball court, and 7k square foot renovated house:

https://www.zillow.com/homedetails/7334-Old-Us-Route-68-Georgetown-OH-45121/2071122954_zpid/?

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I don’t think it is a big deal. If you want a house way out in the boonies, you expect septic service.

Sewer is easier of course but not exactly cheap, I think the sewer part of my water bill is like $400 a year.

The edge case is more inner suburbs that have septic. I know this happens sometimes, there’s some NYC suburbs 20 miles from Manhattan that have septic. This is a negative since most inner and middle suburb dwellers don’t have experience with it, but again I don’t think it’s a big deal.

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That the nicest 2-1 detached I’ve seen in a long time, and we have a ton of them around here. They did everything exactly right IMO, everything is classy and understated. Carrara marble is my favorite stone and looks great in the kitchen.

It helps there’s a big flat lot, which is not common here paired with a 2-1, everything over 5k lot is either a 3/2 or bigger or multiple units or very sloped.

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Recently I encouraged my GF to try Lyft for the first time on what is normally a $10-15 ride from SAN to OB. Instead they quoted her $44. So I just picked her up.

Last time I took a taxi it was about $18 for this route.

Strangely, I checked for a bug and looked at the cost to go to the airport, and it was a normal $16.

Maybe losing half their business and charging luxury prices is the way forward, but the size of that market is a lot smaller.

I am short Uber and Lyft both even though I am generally a fan of both and would prefer they succeed. I just doubt they will.

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My timing was worse, i locked when 10 year was 1.6, now 1.3.

Probably I will do the cashout and muni plan in 2-3 months if we drop another .1.

Keep in mind tax rev is gushing in so the supply of new gov bonds is way down v 2020.

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Zillow. Are you doing 15 year sfh owner occupied 300k+ and under 50% ltv?

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Is there any point?

The point of the cows is milk and (luxem)burgers. They are the richest in Europe, on a per capita basis.

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