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UCGal
Participant[quote=G-money]You know you are from San Diego IF
you don’t say “the 5” , “the 805” ,
“The 163” etc….
That migrated down from LA.
As a native born San Diegan, It still grates on me to
Hear someone say that[/quote]
That’s pretty common in more than just LA.When I was in Bellingham, WA there was a weird thing where roads/streets within the city were described without a “the” in front of them, but when the road crossed out of the city, into the county “the” was added to them.
So the same road would be “Guide-Meridian” in town, but became “The Guide-Meridian” as soon as you crossed the city boundary. Same with Chuckanut drive (which became “the Chuckanut Drive”). Drove me nuts for the several years I lived in Bellingham.
UCGal
ParticipantIs the goal to protest sales tax? Or is it to save money?
I think it fails on both fronts. 1 person won’t have an impact protesting for 40 days – especially if they pre-purchased items like gas.
If it’s to save money you miss opportunities to stock up on items you’d use anyway, when they’re on sale.
I find it much more effective to just be thoughtful in my purchases. Asking myself “do I really need this” and if the answer is yes I ask “can I postpone this purchase for a week?”. If the answer to that is yes, I postpone – and often find I don’t need the item anymore. It’s curbed a LOT of impulse purchasing.
I know I wouldn’t be able to go 40 days without refilling gas. We have 2 cars and 4 bikes – but the kids need to get to their sailing camp and it’s not time efficient to ride bikes or take the bus. I don’t have spare vehicles or an RV to siphon from.
UCGal
ParticipantIs the goal to protest sales tax? Or is it to save money?
I think it fails on both fronts. 1 person won’t have an impact protesting for 40 days – especially if they pre-purchased items like gas.
If it’s to save money you miss opportunities to stock up on items you’d use anyway, when they’re on sale.
I find it much more effective to just be thoughtful in my purchases. Asking myself “do I really need this” and if the answer is yes I ask “can I postpone this purchase for a week?”. If the answer to that is yes, I postpone – and often find I don’t need the item anymore. It’s curbed a LOT of impulse purchasing.
I know I wouldn’t be able to go 40 days without refilling gas. We have 2 cars and 4 bikes – but the kids need to get to their sailing camp and it’s not time efficient to ride bikes or take the bus. I don’t have spare vehicles or an RV to siphon from.
UCGal
ParticipantCongrats on the great deal.
I hear you on the power of lifting heavy stuff. We put in 1000sf of driveway pavers a few weeks ago. I felt strong (and sore) at the end of that project.
UCGal
ParticipantWhatever you do – make sure the gate is made of solid stock. There’s a lot of chintzy fake “wrought iron” that is hollow and corrodes out pretty quickly. It’s less of an issue in warm/sunny Temecula, than on the coast with the marine layer… but we had a huge fight with our contractor over this. Get solid stock unless you want it to look like crap in a few years.
UCGal
Participant[quote=edna_mode]I’m curious — why does the DJIA still hold so much sway as a valid metric anymore? It’s 30 stocks; how is such a small sample representative of a country/sector/economic/company/policy/regulatory environment in such a way that you can make decent predictions about anything?[/quote]
I agree – the S&P is a broader index of large cap stocks (by definition.) And therefore more relevant as a metric.
(Looks like we have to wait a bit longer for S&P = 2000. )
UCGal
ParticipantAs far as contagion – the issue is with bodily fluids. So as long as you don’t touch/ingest/etc any pee, poop, blood, spit, sweat etc of the patient, you should be fine.
Most of the outbreak origins can be traced back to eating infected animals. Like an infected monkey…
It sounds like it’s kind of like AIDS – as long as you use precautions around the patient not to get exposed to their body fluids, you’re less likely to get it.
UCGal
ParticipantMy husband observed the other day that there are similarities between how the Nazi’s pushed the jews into walled ghettos in Warsaw, and how the Israeli’s have pushed the Palestinians into walled ghettos in Gaza and the West Bank. No freedom of movement or economic opportunity for those in the ghettos.
Kind of ironic.
UCGal
Participant[quote=spdrun]
BTW – the statistic of 1/25 people being millionaires also applies to the US. Apparently 4% of Americans had a net worth above $1MM.[/quote]
I’m curious – is that households, or persons.
There was a big discussion of net worth over on early-retirement.org… and folks who’d claimed high net worth suddenly got quiet when you made it per person.
I know I have to split it all with DH… but do my kids get a share of my net worth bragging rights? Do I need to count the dog since he’s an integral part of the household?
UCGal
Participant[quote=spdrun]If they required $100k to be liquid at time of signing, could you have put the $100k back into stock after the loan was closed? Or did they require you to keep it in some sort of escrow account with them?
Seems like an odd requirement.[/quote]
More importantly – do they cover the capital gains you incur by selling? Seriously… I would have been seriously steamed. I assume this wasn’t liquid cash in a tax deferred account (401k or IRA) – what would be the point of that?
July 25, 2014 at 7:45 AM in reply to: totally cool home searching app by one of our own pigg forum members #777033UCGal
ParticipantPretty cool.
Is it only on ios? Or is there an android version?UCGal
Participant[quote=bobby]I am just sorry I took all my money out 2 years ago. The stupid bank required my assets to be “liquid” to approve the loan. the fact that it was in stock was not allowed. I have been waiting to go back into the market but for the past two years, the price had been sooooo high. I’m just hoping for 12,500. not sure if that will ever happen.[/quote]
Yikes.Have you considered dollar cost averaging back in? Waiting for a specific target is kind of a crap shoot.
Lets say you have $120k on the sidelines. Decide the period over which you want to re-invest. Lets say it’s 1 year. (The DOW is very unlikely to go as low as 12500 in the next year.) Each month, invest $10k in an investment of your choice – that fits your overall asset allocation. Rinse and repeat each month till it’s all invested.
In this ZIRP environment, money on the sidelines is not earning anything.
July 22, 2014 at 7:21 PM in reply to: OT: Vinyl Window Replacement Recommendation – N. County #776995UCGal
ParticipantWe had aluminum single pane, thermally crappy windows.
We’re in a fire zone so we chose to go with metal clad wood windows. (Double pane, low E, etc.) We tried to get the fire/heat ratings for the vinyl windows and couldn’t get any response from any of the manufacturers. Our concern is that vinyl melts in high temps (like a wildfire)- and the window could fall out, and then your house burns down.
Every window contractor we talked to said they’d be able to do metal clad wood windows, but when the quote was delivered it was vinyl windows being quoted. We gave up on window contractors.
We ordered the metal clad wood windows from Sierra Pacific. We’ve been very happy with them. My husband installed them.
UCGal
Participant[quote=spdrun]AFAIK, it’s not on the Penn campus but about 15 blocks away. I think 22nd and Chestnut.[/quote]
You’re right. But I think it’s affilliated with UPenn medical school. -
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