[no_such_reality]

Eucs have the nickname widow maker for a reason.

[no_such_reality]

yep. Phone rings all day long. bs sales calls. Political organizations (exempt). Charities (exempt). Bs charities. Scams from overseas. And all sorts of ba for ‘companies working with “county programs)

You can tell the solar places you’ve already got solar and they still call back week after week.

[no_such_reality]

It’s hard too tell how much salt (sodium) our modern prehistoric ancestors got. Like carnivores, it depends on their meat and vital organ intake.

Those knowledgeable in it, estimate it as similar to chimpanzees which places pre-agriculture humans at aaround 750 mg sodium per day.

Without salt, even 750 mg of sodium is pretty hard to get to. A pound of game meat will come in around 250 mg

[no_such_reality]

Define processed food.

Flour is processed food. Pretty much soybean anything at this point is processed food.

I understand what you mean. But where’s the fuzzy line?

Is Salami a processed food? Humans have been eating it for a few thousand years.

What about a steak? What about a steak from a factory farmed, feed lot raised steer?

JMHO, pretty much all the meat in the regular grocery store counter is processed food at this point. Farm raised fish, feed lot cattle, and factory farmed chicken are getting closer to a nacho cheese corn chip than their thousand year old counterparts.

[no_such_reality]

1 in 2 men will get cancer, the question is will you be lucky a get a minor, easily treatable but potentially problematic skin cancer or prostate cancer at 80-90 or unlucky and get one of the sucky ones.

[no_such_reality]

This is an interesting study synopsis. http://cclponline.org/wp-content/uploads/2013/10/Identifying-the-causes-of-rising-health-care-costs_DOC-4.10.13.pdf

Basically utilization doesn’t drive cost increases. Branding is and provider market leverage.

That intuitively makes sense when you think about something like prostrate cancers and the all the ads for proton treatment at named place xyz. Regular therapy is expensive at $18k average. Proton runs $38k average.

Care to guess were the demand is?

Diabetes is expensive too, average $80k lifetime charges for someone in their 50s when diagnosed. Add in the percentage of population with diabetes from ’97 to 2013 went from 2.5% to 7.5% and we have a formula for disaster.

[no_such_reality]

We fall in the camp of needing 100 miles per day useable, due to commutes.

In crunching numbers the costs aren’t so rosy or simple.

Firstly, that’s a typical run of around 2500 miles a month. With charging losses, your looking in the range of 900kwh per month.

TOU isn’t a panacea and may be detrimental to your solar net metering. TOU peaks in early evening 4-8PM, right when you geTbhome and crank up the AC. It also con insides with very low efficiency on your solar.

As others pointed out a Prius is ~50mpg, which equates to 50 gals of gas. At $4-$5/gal that’s $200-$250 a month. At 18 cents a kWh, that’s $162 not including other charges (like having dedicated electrical put in). If your not on TOU, your pretty much talking tier 4 rates, err, now tier 3 since only three and next year tier two since only two. I’m assuming with a car you can wiggle out of super user surcharges.

Either way, currently 37-40 cents per KWh. Which would run a $300 Electric bill.

I just checked SDGE, they have a much friendlier TOU structure for EV. 46 cents peak of noon to 8pm, 22 cents off peak, 18 cents super off midnight to 5am. SCE is 48 cents peak 2pm to 8 pm, 31 cents off peak 8am to 2pm and 8pm to 10pm and super off of 12 cents (10pm to 8 am). Since I wouldn’t be waking out to plug my car in at 10 pm, quite a bit of that is going to hut that 48&31 cent rates.

[no_such_reality]

I get catastrophic type situations and chronic conditions, but it seems like any major employer plan is pushing $1500-$1800 per month for a family combined costs

Are families really racking up $20k in medical bills a year?

It seems like there should be a fairly cheap option where the individual pays the first $6500 of any expenses and then anything after that is covered. It doesn’t match bronze tier actuarial cost structure.

For a family structure it at $12k or $18k then 100% coverage. If your below 400% FPL give the money back on taxes.

Cut the billing bureaucracy which seems to be half of every doctors office I’ve been in recently. Literally there’s more people working the phones and insurance payments than treating people.

[no_such_reality]

Something is out of whack, are you north of 60?

On the exchange, a gold PPO with blue shield is $753 at age 55. At 60 that jumps to $920. If you’re sub-55, your premium is platinum level PPO plan premiuml level. Granted exchange networks kind of suck. That sa me gold PPO for a 50 year old is only $605.

The late 50/early 60s are brutal with the cost curve going very steep for age premiums.

For an HSA your deductible is low, that’ll. greatly push up the cost. What’s your out of pocket max?

[no_such_reality]

Yea, it’s really doesn’t seem very up and up. Basically, the board has some rules. To be advised on the rules they hire a prop mgmt firm that usually collects the fees, and advises while referring everything to lawyers. When it comes time to go out to bid for repairs of maintenance, they advise the board needs multiple bids. Note, multiple, not necessarily competitive. Of course, the prop mgmt firm act manager has a collection of firms they can refer. Not much governance on that relationship.

[no_such_reality]

Is the roof repair project already under way?

I lived in a complex of duplex town homes. Typical wood frame 70s construction with shake roofing. This is back in 2000, his was mid-200s, reserve was in excess of $10k per unit in reserve up to date and it wasn’t enough after the grand gaming was done. We forked out an additional $4k plus special assessment for unanticipated “u foreseeable” damage beyond sample home test Bs

Final roofing bill to replace shake with asphalt shingles totaled about $30-35k per duplex which amounted to a roof on a two story 3000 sf house

Really seemed excessive. And IMHO standard HOA market seems to be 100% over private owner price

[no_such_reality]

[quote=spdrun]^^^

You sound like an intrusive little snitch. If you have concerns, grow some cojones and talk to your neighbor before considering siccing the fucking filth from the city on them.
[/quote]

Remember the OP started the conversation by lying to them. Told them it was a vacation home, then turned it into a rental.

[quote]They don’t love me any more, because the house is a rental.
They were hoping a “respectable” family would move in. At first, I told them it’s a second home. They were fine with that, and they even asked me to join them in church.[/quote]

[no_such_reality]

[quote=spdrun]

I hate over zealous code as much as the next person. I hate illegal garage apartments even more.

Why are they any of your God damned business, as long as they’re not making excessive noise or parking in your driveway? Live and let live.[/quote]

Live and let live is great.

If you’re building an illegal apartment garage to maximize rents after turning the property into a rental, you’re kind of giving a big middle finger to the neighbors quality of life, IMHO. Particularly in neighborhood that are zone R1 and nothing but SFRs.

People bought those neighborhoods to have lower density.

Airbnb is a good example. Cool service and a potential pain in the *ass for the neighbors. Near Disneyland, the SFR tract home neighbors have been basically turned into semi-hotels. Multiple families will pour into a single house. The neighbors have all the standard complaints, noise, trash, parking etc.

Live and let live is great, it starts with respecting why you neighbors are in the neighborhood you’re in. If you rank $$$ above your neighbors quality of life.

And many neighbors are just PITAs. The easement issue that’s been bandied around here with the EPA. The other piss ass fights neighbors want.

[no_such_reality]

I hate over zealous code as much as the next person. I hate illegal garage apartments even more.

In between is a happy medium. Do you really need a permit to replace a shot water heater? I’d think not, many cities disagree with me.

I’ve had great neighbors and I’ve had schmuck neighbors. Really don’t like the schmucks.

But really, I’m like the other already pointing out, really laughing at your reaction when the big government dictation you always pander for gets directed your way.

[no_such_reality]

I’m not a lawyer, ttbomk, without an emergency they cannot enter without a warrant. A warrant would be issue, if they persue it, based on some probable cause from something visible they can verify from the outside. New windows, second electric meter, addition of a door, etc.

Nothing Gestapo like if you do some work that requires a permit and you didn’t obtain. Also nothing gestapo like if you converted a garage or something to ‘living space’.

Of course, the key learning here is be part of the community and get along with the neighbors.

[Author]

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