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i get travelers constipation and often don't poo the entire time im traveling... it used to scare me, now i enjoy not sitting on dirty 2nd world toilets.
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There are times when I was traveling that I would have paid a few hundred dollars to have constipation.
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I hate traveling constipation. It will happen on a 1 day drive for me. I combat it by taking Miralax or it's Sam's Club equivalent.
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Originally Posted by Joe Perez
(Post 1494088)
The cost delta isn't very significant for a recently-rebuilt home in this area. 2 car with 2 or 3 br and 1 or 2 ba is maybe $550-$575k. The cost is mostly in the land.
Below that, $500k will get you into condo / townhome territory. At that point, you're paying $200-$400 a month in HOA, plus dealing with upstairs neighbors in a lot of cases. Many such properties around here are actually single-family homes which have been subdivided into 2-3 apartments, by floor. And believe me, those hundred year old wooden floors squeak. Anything under $450k, and you're parking on the street. |
So, let's say I change my assumptions a tad.
https://click.mail.zillow.com/f/a/Pg...0lm3nhu1_1pt0h This shifts the numbers dramatically. Even with somewhat pessimistic assumptions about property valuation and taking HOA fee into account, this pays off during the second year by moving down to a 15 year mortgage. https://cimg9.ibsrv.net/gimg/www.mia...6921000eaa.png Hell, even if we assume the property inflation rate to be zero, it STILL pays off in less than two years: https://cimg2.ibsrv.net/gimg/www.mia...3f41258492.png |
I greatly prefer 15yr mortgages.
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Yes, that I would go for. Nice clean, assume it's in a good location for you, etc. And not nearly the amount of overhanging mortgage or increased utilities by not sharing any walls with anyone. And at that price, if you needed/wanted to move/change jobs, etc, you could likely easily lease the place to cover the bills.
Originally Posted by sixshooter
(Post 1494193)
I greatly prefer 15yr mortgages.
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It's definitely a different neighborhood. On Irving Park, most of the store signs are in English. On Montrose, which is one major block north, they're mostly Spanish. This does not personally bother me (better supermarkets, for one thing), but it's something to consider from a resale perspective.
I'll need to eyeball the property... |
Shared garage? I have no garage. I think about this frequently.
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Originally Posted by Joe Perez
(Post 1494231)
It's definitely a different neighborhood. On Irving Park, most of the store signs are in English. On Montrose, which is one major block north, they're mostly Spanish. This does not personally bother me (better supermarkets, for one thing), but it's something to consider from a resale perspective.
I'll need to eyeball the property... |
Wants and desires can not be expressed in spreadsheets, Joe.
Owning a car and modifying the engine is definitely a bad investment, for example. But, hell, I want it that way. |
Just in case anyone still has not subscribed, there's a new episode of Project Binky out:
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Is it weird that when I use someone else’s bathroom I try and clean their shit steaks when I take a piss? |
Originally Posted by Godless Commie
(Post 1494264)
Wants and desires can not be expressed in spreadsheets, Joe.
Owning a car and modifying the engine is definitely a bad investment, for example. But, hell, I want it that way.
Originally Posted by Vashthestampede
(Post 1494782)
Is it weird that when I use someone else’s bathroom I try and clean their shit steaks when I take a piss?
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Originally Posted by Vashthestampede
(Post 1494782)
Is it weird that when I use someone else’s bathroom I try and clean their shit steaks when I take a piss? |
https://cimg3.ibsrv.net/gimg/www.mia...1b41b6099.jpeg
Originally Posted by Vashthestampede
(Post 1494782)
Is it weird that when I use someone else’s bathroom I try and clean their shit steaks when I take a piss? |
Anyone ever had a home circuit breaker fail in the "ON" position?
Nasty lightning/thunderstorm through OKC this morning, one circuit that includes lights and the garage door opener fried. Fancy modem and router base on a completely different circuit are dead, while nothing else on that circuit is. Strange. |
Circuit breakers don't generally do much to protect against lightning. They are relatively slow-acting, and are designed to protect against over-current, not over-voltage.
The modem and router died because the lightning induced a voltage in whatever line external to your house feeds the modem. |
Here in the lightning capital of North America we have various surge protection devices that the mounted directly into the fuse panel and elsewhere. I'm dubious as to their effectiveness, but we did have a fairly large oak tree struck by lightning about 30 feet from the corner of my house with no damage to electronics. The charge sent chunks of the tree trunk over the house into the front yard.
When lightning hits the electrical Transformers up on the poles and they explode like a bomb it's pretty impressive. That's a fairly common occurrence. |
Originally Posted by Joe Perez
(Post 1495355)
Circuit breakers don't generally do much to protect against lightning. They are relatively slow-acting, and are designed to protect against over-current, not over-voltage.
The modem and router died because the lightning induced a voltage in whatever line external to your house feeds the modem. I couldn't see any obvious damage to the house, but even when I left for work this morning it was still raining too hard and far too much lightning for me to take a good look.
Originally Posted by sixshooter
(Post 1495356)
Here in the lightning capital of North America we have various surge protection devices that the mounted directly into the fuse panel and elsewhere. I'm dubious as to their effectiveness, but we did have a fairly large oak tree struck by lightning about 30 feet from the corner of my house with no damage to electronics. The charge sent chunks of the tree trunk over the house into the front yard.
When lightning hits the electrical Transformers up on the poles and they explode like a bomb it's pretty impressive. That's a fairly common occurrence. |
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