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scaredyclassic
Participantmaybe.
i’m hopeful I can make it through the next generation with no major disruptions.
I kind of think we are not headed in a good direction though.
Participantre; dumpster diving;
portlandia dumpster divers is the funniest thing i may have ever seen…ever…
Participantin terms of consumerism, yesterday morning I acquired a baby antelope skull with horns, a genuine sterling silver women’s navajo new belt buckle and a handmade hula hoop made from thick tubing from some trade show, all for $8.00 at a yard sale down the street.
there are so many physical items in the USA that used stuff is super cheap. I think guys drive around with trucks and take our used stuff from yard sales back down to mexico and turn a profit. not sure how that works exactly, but you can see guys with superoverloaded trucks who are doing this every weekend. not sure what that means it’s almost like they make it, we lease it, they get it back used?
the future is less.
not sure why I have this enormous house.
November 10, 2013 at 8:52 AM in reply to: OT: Temecula Police “DUI” Checkpoint @ 8AM on a Wed Morning!!! #767746Participantwhat the heck was going on on the 79 yesterday (sat.) night? i didn’t see a checkpoint but traffic was crazy from pechanga to anza rd. there were a bunch of cops at anza rd. and something going on by the corn maze.
maybe that’s just saturday night in temecula nowadays? i don’t usually leave the house on weekend nights….
ParticipantThere may not actually be any greater purpose to anything we do, and all we can do is maximize the pleasure in our life. I think TG was generally on the side of a good time, but I don’t want to speak for him. I don’t think I have an actual necessary purpose, other than raising children, but I like to connect with humans and get dressed for work and generally have a place and status in society. Maybe I’ll tire of that.
Pleasure is ok. Pretending that what we do has a purpose is ok. But generally I think we just need a compelling reason to get out of bed and keep going whatever it is.
To retire could be very very bad. Or good.
Participantmrmoneymustache is very pro bike. therefore he is a friend of mine.
maybe the answer is less….
Participanti am not qualified to give any retirement advice. however, i was talking to my mom last night, who is in her 80’s, and has been working as a substitute teacher in NYC up until recently. They are not calling her much this year and she is bummed out.
She doesn’t need the money. She has awesome fixed housing costs, rent control. she does spend money on theatre tix and fancy restaurants, but that’s about it, and im pretty sure that doesn’t put a dent in her frugal lifetime savings nature….
she works because she likes the humanity of it all. same as me.
maybe it’s genetic.
I always hope to be in the flow of life, work life, where things happen, and not out of it somewhere.
What i would do if I had no responsibility?
probably something pretty close to what I’m doing. i’d probably worry a bit less.
but maybe id just find other shit to worry about…Participantthat 3.375 was with a 5 or 6 k credit, too, after final negotiations, as described below…
in retrospect, it was almost impeccable short term timing, but at the time, I thought it was dumb, I wanted to wait, i was pretty positive rates would go lower but not much lower, and i was jumping the gun a bit at 3.375 or 3.25 without the credit. Since I was fairly certain there was at least another 1/4 of a point to go, I immediately started the process, knowing that whenever I am sure of something I am almost always wrong.
the only thing I know and have learned is that I’m pretty out of touch with what’s going to happen and that if it’s a good deal, and I’m pretty happy, I should probably go for it. The perfect is the enemy of the good. If your marriage is not so bad, stay in it! leave a bit of money on the table. a good plea is much better than a trial…etc…
This is all very clear and has always been clear to me and simple to accept while advising other people how to act, in my capacity as a lawyer…but is harder to put into play in my own affairs, since I sometimes i think I know more than I do. It’s much easier to give other people advice than to truly embrace it in your own life.
the cool thing I did, that i do take full credit and responsibility for, was after the appraisal came back at more than 30% equity in the house. I was able to negotiate another $1,000 to the credit based on that, since the rate would have been lower (or credit higher) had I applied initially with 30% equity. i only claimed 20% equity, slightly optimistically and was suprised when it came in high. that was pretty swift! today, it’s probably close to 50% equity, I don’t expect to ever be able to refi at a lower rate, but Im not certain about that. so it probably won’t happen.
Another example is I was PRETTY CERTAIN I would be underwater in this house for bare minimum 5 years, probably more like 10, when I bought it. I thought I might come out ahead after 15 to 20 years. Obviously, I do not know.
due to out general frugal nature, we seem to be ok. I owe it all to the book we read in 2001 when we had 20,000 in credit card debt, and 35,000 in total income, and kids…. THE TIGHTWAD GAZETTE
Participant[quote=Casca]Because of TG’s observations, I still can’t date a woman with a horse. I respect his opinion that much.[/quote]
I recall that and he was very persuasive on that issue. On the other hand my wife has always wanted a horse but I’ve been able to halt the horse.
Still, horses are bad news.
Participant[quote=FlyerInHi]6pack, what kind of deal did you get on your house, percent off of peak?
I’m competitive. I want to know if I did as well.[/quote]
50-60 perc off. Call it 55. Buying the house left me kind of broke. But the truly smart move I made was to immediately start saving money right after we bought the house, nOt buying a whole bunch of furniture or other crap, and buying down the balance to a conforming 417k and refinancing at 3.375 percent about a year ago.
The reality is I will probably, if things continue to go well, G-d willing, never sell or leave or heloc so it’s that 2450 payment per month with taxes and insurance for an upper crust house and land that is the really good thing for me and my people.
Participantmaybe that’s what I need; a bucket list.
right now it’s pretty thin:
400 lb deadlift (actually the deadline on that is 12/31/14). currently at 305
farmer’s walk 210 lb total down the hill to the mail box and back, without setting it down.
clean and press 150 same deadline.
I’d also like to obtain a 2 inch manila rope and be able to climb up and down it very quickly. Did you know rope climbing used to be an Olympic Event?
shoot. that’s about it. I need to flesh out the list a bit. Travel won’t make it though; I just want to stay home.
Participantsociety only works if the people in it think it’s worh it.
“That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. ”
terrorist manifesto?
ParticipantI miss the old days. The present is OK, but I’ve always spent most of my time in the past. I really liked 2002 through 2006, and 1990 to 1994 was really awesome. But the time spent trying to buy a house with TG and everyone on line was kind of fun in retrospect too. Now that i see an actual psychotherapist every week, I have a lot less need to vent here, not that i don’t event, it’s just not as intense a need. A lot of the drama I was creating in my little life over the relatively minor event of buying a house was just energy diverted from or unconsciously covering over other problems I was avoiding…really, a good realtor should be at least 30% therapist.
but man, TG was so funny. The whole site had such a great energy and it was substantially attributable to TG. Now it’s likethe morning after a big party at my kid’s college, it’s just like empty red cups underfoot with cigarettes, and weird people crashed on the floor and someone cooking eggs in your pan.
I’d like to get past this college tuition phase like TG, not so much to live a life of debauchery, whcih I feel is unlikely to work out for me, but just to not have to write large checks anymore. I hate writing large checks. I just want to pay my puny mortgage and the large but not that large organic food bill my wife runs up on her credit card.
that would be so awesome! and to pay my therapist…
Participanti think we would as a nation rather complain and have things divided as inequitably as possible, with all surplus to go directly into insurance company pockets.
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