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Messages - Shoelayceberry the [Unlaced]

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2
General Discussion / Re: Just finally updated to Windows 10
« on: May 23, 2016, 08:27:01 PM »
At least with scripts you can't get into too much trouble.

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General Discussion / Re: Just finally updated to Windows 10
« on: May 23, 2016, 03:48:30 PM »
I like Windows 10, but am still pissed they removed the jump lists, that are in Windows 7, from the last beta when they went gold.

As an Admin, I also don't like that when I fire up powershell/ise as my domain admin account, from a user context, I do not have access to shared/mounted drives. The only saving grace to that is I have finally uploaded all my scripts to Git and am learning to manage them that way.

4
General Discussion / Re: Need home buying advice - fairly quick
« on: May 23, 2016, 03:39:22 PM »
Shoelayce, what neighborhood are were you thinking of buying in?  Im currently living in Bankers Hill.  I recently got approved for a loan and have been think going South Park/Golden Hill.  Shitty area, but I certainly believe the investment could be very worth it.

I live in Clairemont Mesa and was looking to stay. It's a dream commute for me.

5
Spamalot / Re: My Girlfriend Pt. 2
« on: May 12, 2016, 03:38:31 PM »
You only clicked for pics, didn't you?

Yes. We're still waiting.


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General Discussion / Re: SJW
« on: May 11, 2016, 01:15:42 PM »
Quote
We are more used to the notion that people are complex and multi-faceted because we have grown up with more exposure to resolutions founded in actual contact versus the single dimension of Internet commentary.

definitely some good food for thought.

yeah, good point.

7
maybe gimp. i've never heard of that exact requirement though.

8
After reading the first article, I didn't get that comparison at all. More that he feels everyone should be vigilant in protecting/preventing such a thing from occurring.

9
General Discussion / Re: Sand Marble Race 500 feet
« on: May 06, 2016, 08:14:05 PM »
riveting.


I really need to go home if I am watching this.

10
Eve Online / Re: Skars
« on: May 06, 2016, 08:09:15 PM »
that's ok pal. we've loved you since you were a 13 year old d-bag. what a few years of emo-ness going to do?

 :smitten:

11
General Discussion / Re: Need home buying advice - fairly quick
« on: May 06, 2016, 05:33:13 PM »
A graph like this would give me nightmares: http://www.zillow.com/san-diego-ca/home-values/

Can US banks demand more security if property values go down? Having to pull another $100k out of thin air would be bad.

On the plus side it has mostly just recovered from the housing bubble, and the tech sector has been extremely bullish the last couple of years. On the down side, the housing bubble was arguably a bubble, and tech seems to be slowing down lately. Still, if you think it's expensive now, and property values continue going up like this, there is an unfortunate risk that it won't get much more affordable in the near future either.

Not really. Your options are a "traditional" 20% down / 80% mortgage loans, then the various ARMs. At least here, that means coming up with 100K + closing to get to escrow for the traditional. No first time buyers here are walking around with that much bankroll. So, we get a few more options, with lower down payments, for both traditional and ARMs. You need much better credit scores to get the lower down payment loans, and you also have to pay mortgage insurance at least until you get to the 20% equity.

12
Spamalot / Re: Brainstorm Sesh
« on: May 06, 2016, 02:33:51 PM »

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General Discussion / Re: Need home buying advice - fairly quick
« on: May 06, 2016, 02:28:58 PM »
I have unapologetically taken this advice and decided not to purchase at this time. Finding a rental is brutal right now, however.

Thanks for everyone's opinions.

14
General Discussion / Re: Utubby we need new TZT hoodies
« on: May 06, 2016, 02:27:25 PM »
yeah. that works on so many levels.

15
Spamalot / Re: Pallanun putting the D in DPT
« on: May 05, 2016, 12:12:44 AM »
nice. grats dude.

16
General Discussion / Re: Need home buying advice - fairly quick
« on: May 05, 2016, 12:10:57 AM »
Generally speaking, your mortgage payment should be less than a rent payment for the same house based on a 30-year mortgage.
In the area Solayce is talking about, this isn't the case. He'd be looking at about $2800ish for a house payment (400k price point in the area he wants to live/currently lives in) and his rent would be about 2kish.

Actually, the area I am currently living, is about 500K average, peaking in the mid-600's.

We've talked to our Credit Union, and unless our landlord goes for a rent to own, we'll have to move. Due to our lack of down payment, to get a house note for what it will cost to rent in this area is about a 400K house and I'd have to do a 5/5 with the CU picking up closing costs and PMI for the first 5 year. That sound worth it? I'd also go from a 20 minute commute, to ~1 hour (only moving 10 miles further out  ::facepalm::  )

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General Discussion / Re: Need home buying advice - fairly quick
« on: May 05, 2016, 12:04:37 AM »
It was worth the exercise, just to familiarize myself with some of the taxes and whatnot in the area.

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General Discussion / Re: Need home buying advice - fairly quick
« on: May 04, 2016, 03:15:40 PM »
Don't forget about property taxes.  If you add them to your mortgage payment your monthly payment will shoot up quite a bit.

Quick look last night showed property tax around $6K.

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General Discussion / Re: Need home buying advice - fairly quick
« on: May 04, 2016, 03:15:00 PM »
Irs has one in their site
https://www.irs.gov/Individuals/IRS-Withholding-Calculator

Sent from my SM-G920V using Tapatalk


Thx. I'll take a look.

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Spamalot / Re: Hey Daums, I started a new career!
« on: May 04, 2016, 03:10:46 PM »
congrats

21
General Discussion / Re: Need home buying advice - fairly quick
« on: May 04, 2016, 12:30:10 AM »
http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html?smid=fb-share&_r=0
I'd say that calculator isn't very good. you couldn't get the rent in areas where homes cost what you estimate. for instance, i used the 350k that solayce was looking at and the 3% down for the FHA...well if you can find a home for $1200 to rent...why in the fuck would be looking to drop $2400 on a mortgage? good luck on finding $1200 rent in an area where homes are hard to find for $350k. I mean if you live in some desloate state with cheap apartments you could probably use this calculator.

I'm not sure what it provided either. The interesting thing though, was that the rent we are paying is right at what it says for staying in a rental. That said, each house on either side, goes for 650 more per month than that. One house for rent just popped up a couple blocks away, they are renting for 850 more than we are paying now. Ours was a one in a million setup.

22
General Discussion / Re: Need home buying advice - fairly quick
« on: May 03, 2016, 07:56:10 PM »
yeah, I looked a bit. the problem is always about the down payment. This may also all be moot. The landlord came in with a price, via zillow/redfin that is way beyond what I would want to pay for a house that needs that much work. As mentioned, I would make it back, but the monthly is a bit scary right now; ~$900 more per month than we're currently renting for. I could see us at 500 more, but that's a bit much without enough certainty.

Is there a way to figure out what you'd make per month claiming more deductions?

23
General Discussion / Re: Need home buying advice - fairly quick
« on: May 03, 2016, 04:37:55 PM »
I think prices in this area can only go up, especially if we live here long enough to fix up the place; they didn't take too much of a hit in the crisis. It was built in the late 70s, or early 80s, and could use a lot of work (like most in the area, and California in general). With 50K invested in improvements, I'm sure that would net 100K in price.

With undeniable little research, I was thinking that in 5 years, we might be able to refinance from a better position. We literally just bought 2 cars (used) within the last year. Doing absolutely nothing we are saving $500/mo. With effort, we could be at a 5% down payment in 2 years, which is about the timeline I was hoping for us to buy. If we had to move, however, we will most likely increase our rent, plus other expenses (gas=commuting, electric=closer to desert), pushing that further out.

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General Discussion / Re: Need home buying advice - fairly quick
« on: May 03, 2016, 03:37:40 PM »
Oh, of note, my wife and I both claim 0 dependents on state and federal. She has a 403b (no idea of anything about that, nor does she, unfortunately), and I have a 401K that I am currently putting 10% into; I only need to put in 5% to get full match. Can changes be made there that wouldn't totally fuck us, especially in light of the baby on the way?

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General Discussion / Need home buying advice - fairly quick
« on: May 03, 2016, 03:34:53 PM »
Currently rent in an area where I might be able to afford a mortgage if I had the down payment. I don't have a down payment. We're still a couple years or more away from a down payment. In San Diego a starter, run down, shithole, home starts around $350K. The area we are in starts at 400, with an average closer to 450-550. Our commutes are very easy now (20-30 max). Most places where we would start to look would bump that to ~1 hour each, while only being about 10 miles more.

Our landlord has been great about keeping the rent very low for the area, but has 5 kids, some approaching college age. He is ready to list. He hinted at it a couple months back, but he contacted us directly - skipping the management company - to ask us if we would be interested. He even mentioned that he knew we are about to have a kid, but if at all interested, we might be able to make a better deal/price; he did not mention a price. He'd like to know if we are at least interested by tomorrow.

What do I need think about? What is a no-go or worst choice scenario, mortgage-wise; are variable rate mortgages worth it, and how would I calculate it for myself - roughly. I've been told that taking anything from your retirement is fucking dumb, T/F?

All I can think of right now, work is killing me at this exact moment. Please post whatever I need to know/research and I'll take a look. Thanks.

27
General Discussion / Re: SJW
« on: May 02, 2016, 04:03:24 PM »
it's awesome watching xanon turn into jxands

 :2funny:


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General Discussion / Re: Phinigel Server
« on: April 28, 2016, 11:14:14 PM »
I don't even register as howlin' mad murdock these days...  :cry:

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General Discussion / Re: Phinigel Server
« on: April 28, 2016, 03:23:31 PM »
nice - regulate that punk ass bitch, dal. if he doesn't taste the pimp hand on the reg, you have no idea how insufferable he can be.

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General Discussion / Re: TZT REGISTRATION MOURNING THREAD
« on: April 27, 2016, 03:15:07 PM »
you traitorous non-posting, bitch!

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