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      10-15-2019, 10:29 AM   #199
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Originally Posted by Alfisti View Post
"Valuable Crops" ... i knew he was a sketchy bastard. Now we know.
LOL!

https://www.fws.gov/international/pl...n-ginseng.html

https://www.fws.gov/international/pd...nd-ginseng.pdf
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      10-15-2019, 10:49 AM   #200
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Sure, "ginseng"...
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      10-15-2019, 11:33 AM   #201
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      10-15-2019, 08:12 PM   #202
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Originally Posted by Monaco Motorsports View Post
A coast line? You do realize theres another ocean on the other side of the country right? Where the water is actually warm enough to swim in. Freaking August in CA water was ice cold.
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      10-16-2019, 12:06 AM   #203
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With all the talk about real estate and lengthening auto loans in the other thread ... what does everyone think of calculating good 'ol buy vs. rent question, especially after the 2017 tax law and interest rate changes?

A lot of the older advice like the NYT calculator I've seen is based on old taxes and interest rates. I am not an accountant, but it seems very relevant that if the SALT deduction is capped at $10K and the standard deduction is larger, renting suddenly became a lot more beneficial. Here is one newer calculator

https://medium.com/@usaar33/an-up-to...r-22d0bf9bbbb5

(Yes, the costs in the example spreadsheet are insane, the writer uses SF. Rest of CA including by those nice beaches above are not at that level yet)

The writer users 4.63% 30 year, 4.5% home returns, 10% stock returns, for a 22:1 price:rent break even point. Using 3.75% 30 year, half as expensive house, 5% home appreciation, no HOA, and 8% stock makes it break even at 38. The equation quite sensitive to tiny changes in return numbers.

Last edited by EstorilM240; 10-16-2019 at 12:12 AM..
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      10-16-2019, 12:28 AM   #204
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Quote:
Originally Posted by dreamingat30fps View Post
A coast line? You do realize theres another ocean on the other side of the country right? Where the water is actually warm enough to swim in. Freaking August in CA water was ice cold.
There is? Does it have decent surf? Is there a part that doesnít involve sink holes, humidity, hurricanes, an over abundance of retired people, northwesterners trying to thaw out, theme park and cruise boat tourists, and every other headline from the smokinggun.com?

Recent, relatively clean example - https://www.thesmokinggun.com/buster...entence-365912

That said, outside of Southern California, California doesnít really have what I would call "beaches". Up here we have "coastline" and outside of a crazy heat wave, I agree, the water and weather is too damn cold to lounge on the coast.

Food is really world class - half the produce is local so itís fresher. Diversity of options really canít be beat.

Not sure where you were, so canít speak to the specifics of why you might not understand why people pay a premium (or camp on the streets) to live here, but consensus says otherwise. Now if we could just stop passing some ridiculous policies that unnecessarily inflate the cost of living, thatíd be great
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      10-16-2019, 01:03 PM   #205
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Quote:
Originally Posted by AlpineWhite_SJ View Post
There is? Does it have decent surf? Is there a part that doesnít involve sink holes, humidity, hurricanes, an over abundance of retired people, northwesterners trying to thaw out, theme park and cruise boat tourists, and every other headline from the smokinggun.com?

Recent, relatively clean example - https://www.thesmokinggun.com/buster...entence-365912

That said, outside of Southern California, California doesnít really have what I would call "beaches". Up here we have "coastline" and outside of a crazy heat wave, I agree, the water and weather is too damn cold to lounge on the coast.

Food is really world class - half the produce is local so itís fresher. Diversity of options really canít be beat.

Not sure where you were, so canít speak to the specifics of why you might not understand why people pay a premium (or camp on the streets) to live here, but consensus says otherwise. Now if we could just stop passing some ridiculous policies that unnecessarily inflate the cost of living, thatíd be great
not trying to get into the discussion of bay area vs rest of the world

but los angeles is better in any measurable (and immeasurable) metric than SF purely because it's not freezing cold, hoodie weather in the summer

also SF has a big street poo problem, chicago doesn't
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      10-16-2019, 03:18 PM   #206
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I keep laughing everytime the locals here in Ohio keep saying they're going to the beach. I keep telling them " you mean the lake?" I tell them "a beach is where a shark will eat your ass for lunch!
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      10-16-2019, 03:22 PM   #207
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Originally Posted by lsturbointeg View Post
I keep laughing everytime the locals here in Ohio keep saying they're going to the beach. I keep telling them " you mean the lake?" I tell them "a beach is where a shark will eat your ass for lunch!

a shore of a body of water covered by sand, gravel, or larger rock fragments

https://www.merriam-webster.com/dictionary/beach


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      10-16-2019, 03:25 PM   #208
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Originally Posted by hooligan_COLD View Post
a shore of a body of water covered by sand, gravel, or larger rock fragments

https://www.merriam-webster.com/dictionary/beach


Comon hooligan! Anybody that lives by the beach ever comes out to the midwest would laugh at what folks call beaches out here. I lived in San Diego my whole life and the beaches here at the Great Lakes aren't beaches
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      10-16-2019, 04:08 PM   #209
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Quote:
Originally Posted by Turkish Pickle View Post
not trying to get into the discussion of bay area vs rest of the world

but los angeles is better in any measurable (and immeasurable) metric than SF purely because it's not freezing cold, hoodie weather in the summer

also SF has a big street poo problem, chicago doesn't
Won't argue with you there. Haven't been in SF proper for a couple years and usually don't go unless work requires it or there's really close friend having an event in the city. They ticket for no front plate while parked too
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      10-16-2019, 05:18 PM   #210
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Dude if I consider your garage the thinking comes to mind that you had built or bought your house just to have the garage

What Kelse92 had mentioned correctly is the fact of the very low costs for condos, we're paying well calculated monthly fees for "whats in case of" and thats more affordable for me atm than having the curved and sometimes necessary costs for a house. On the flipside you have to deal with the other owners of the condos and hell, there are some of them who made me regret to buy...
I put myself on the HOA board, keeps me out of trouble and in some control of where my $350/mo is getting spent around the property
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      10-17-2019, 01:54 AM   #211
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Originally Posted by Kelse92 View Post
I put myself on the HOA board, keeps me out of trouble and in some control of where my $350/mo is getting spent around the property
I admit I had to search whats the elaboration for HOA is...ok, understand.
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      10-17-2019, 09:18 AM   #212
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Quote:
Originally Posted by lsturbointeg View Post
Comon hooligan! Anybody that lives by the beach ever comes out to the midwest would laugh at what folks call beaches out here. I lived in San Diego my whole life and the beaches here at the Great Lakes aren't beaches
Blah, blah, blah. You also can't get "real" bagels and pizza outside of NYC. We've heard it all before.

Not True Scotsman doesn't magically cease to be a fallacy when you're talking about beaches.

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      10-17-2019, 12:39 PM   #213
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I'm an aussie in Canada and I shudder when they call lakes beaches, it's not a beach people. Not even close.
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      10-17-2019, 01:20 PM   #214
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I put myself on the HOA board, keeps me out of trouble and in some control of where my $350/mo is getting spent around the property
A month? A freaking month?

I only have 1 home with an HOA. It is a lovely community.

The HOA fees are $250. Per year.

I cannot fathom spending over $4,200 in HOA expenses each year. That is just mind blowing. All that money gone, down the toilet. Hmm...wonder how much that compounds to....I am 42. Gonna retire at 65. Assuming a reasonable RoR based on an S&P500 index fund of 7.9%

$296,489.34

The HOA is taking nearly a third of a million dollars from you over the course of 23 years.

Uh...that's a no for me, dog.
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      10-17-2019, 01:37 PM   #215
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Originally Posted by Run Silent View Post
A month? A freaking month?

I only have 1 home with an HOA. It is a lovely community.

The HOA fees are $250. Per year.

I cannot fathom spending over $4,200 in HOA expenses each year. That is just mind blowing. All that money gone, down the toilet. Hmm...wonder how much that compounds to....I am 42. Gonna retire at 65. Assuming a reasonable RoR based on an S&P500 index fund of 7.9%

$296,489.34

The HOA is taking nearly a third of a million dollars from you over the course of 23 years.

Uh...that's a no for me, dog.
I assume the $350 per month is not just a pure HAO fee but includes all fees associated with a condo such as insurance, maintenance etc.
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      10-17-2019, 01:44 PM   #216
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I assume the $350 per month is not just a pure HAO fee but includes all fees associated with a condo such as insurance, maintenance etc.
I'd let it slide if it was a condo - sounded like a home. Perhaps OP could clarify?

Even as a condo - that's not small $$$'s.
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      10-17-2019, 01:55 PM   #217
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Not 100% sure myself but he had been involved in a condo discussion so I assumed... But $350 per month, seems to be on par with a quick, highly unscientific google search. But that depends on a lot factors like location, location, location!
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      10-17-2019, 02:06 PM   #218
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Not 100% sure myself but he had been involved in a condo discussion so I assumed... But $350 per month, seems to be on par with a quick, highly unscientific google search. But that depends on a lot factors like location, location, location!
Pretty sure the poster is female...
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      10-17-2019, 02:07 PM   #219
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I'd let it slide if it was a condo - sounded like a home. Perhaps OP could clarify?

Even as a condo - that's not small $$$'s.
Not unusual to be $800 month here, even more ... for a condo. Maintenance not rent.
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      10-17-2019, 02:13 PM   #220
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Not 100% sure myself but he had been involved in a condo discussion so I assumed... But $350 per month, seems to be on par with a quick, highly unscientific google search. But that depends on a lot factors like location, location, location!
Again - if inclusive of all R&M, I guess it could come out to be a bit reasonable, and upon further investigation, I think the OP was talking about a condo - still seems like a waste to me, though. But, not everyone has the same opinions, so I am sure it works for others.

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Pretty sure the poster is female...
What does that have to do with anything?

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Not unusual to be $800 month here, even more ... for a condo. Maintenance not rent.
I have no words. Other than I am glad I don't live there.
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