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Post by gaseousclay on Feb 3, 2016 19:16:53 GMT -6
True. Not trying to imply that I wish to gain from someone else's misfortune but that's kinda how markets work. Yes it is, but apparently you don't get the meaning of that saying. Arf |
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Slowwww
Feb 3, 2016 19:33:42 GMT -6
Post by devastitis on Feb 3, 2016 19:33:42 GMT -6
On a side note, when Leffot shipped you that faulty pair of Aldens, did you maintain an email correspondence or did you call them? I'm having an issue with something they shipped me, and I shot them an email. Think I will have to give them a call tomorrow. Handled it all via email (with photos) over the course of a week or so. Ah, okay, thanks. About how long until they responded? I sent an email with pics yesterday, and haven't heard back from them yet. Was hoping to wake up to an email response, but no dice. |
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Post by Deleted on Feb 3, 2016 19:38:08 GMT -6
Handled it all via email (with photos) over the course of a week or so. Ah, okay, thanks. About how long until they responded? I sent an email with pics yesterday, and haven't heard back from them yet. Was hoping to wake up to an email response, but no dice. the first response was received around 22hrs (just checked). we went back and forth a bit regarding my options, and the time between responses varied (as i'm sure did their work load). calling may indeed be a quicker solution. i hate talking on the phone and was in no particular hurry (after having just waited months for the boots and knowing they didn't have any for replacement). |
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Post by Deleted on Feb 3, 2016 19:47:50 GMT -6
owning a home is so over-rated. If my rent is not more expensive than the mortgage, I would rent for now. Too much hassle. I dunno. Having peace and quiet and more space seems like a nice trade off. I've had the worst luck with tenants that own whiney dogs, and I love dogs. Plus, I've got a soon to be 3 yo and I really dislike it that he doesn't have a space to call his own when he's with me it's a complex choice. after owning a house in dallas i didn't think i'd buy again any time soon (then got suckered into buying again in chicago this summer). just the process of buying (or selling) a house is expensive. i think selling my house in dallas cost me nearly 10% of the selling price, and buying in chicago was around 7% of the buying price. i highly doubt the house will appreciate that much in the time that i'm here. you also can't control who you may get as neighbors and of course it's not as easy to up and move when you're dug in with a mortgage (vs a short term lease). there are also so many 'soft costs' associated with ownership...things like ladders, hoses, lawn mower, snow shovels, snakes, etc that you collect as an owner that you wouldn't require as a renter. you also own and must maintain all of the appliances on top of merely maintaining the house itself. obviously taxes and insurance is much higher for owning vs renting as well. so...i'd be hard pressed to say that owning provides a financial benefit in most cases, but there is an emotional value that only you can assess. it's nice to be able to have a space of your own that you can more or less do what you want with...and having a lawn (or garden) can be really great. and of course there is no risk of your landlord tripling your rent on a whim. |
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Post by gaseousclay on Feb 3, 2016 19:56:29 GMT -6
I dunno. Having peace and quiet and more space seems like a nice trade off. I've had the worst luck with tenants that own whiney dogs, and I love dogs. Plus, I've got a soon to be 3 yo and I really dislike it that he doesn't have a space to call his own when he's with me it's a complex choice. after owning a house in dallas i didn't think i'd buy again any time soon (then got suckered into buying again in chicago this summer). just the process of buying (or selling) a house is expensive. i think selling my house in dallas cost me nearly 10% of the selling price, and buying in chicago was around 7% of the buying price. i highly doubt the house will appreciate that much in the time that i'm here. you also can't control who you may get as neighbors and of course it's not as easy to up and move when you're dug in with a mortgage (vs a short term lease). there are also so many 'soft costs' associated with ownership...things like ladders, hoses, lawn mower, snow shovels, snakes, etc that you collect as an owner that you wouldn't require as a renter. you also own and must maintain all of the appliances on top of merely maintaining the house itself. obviously taxes and insurance is much higher for owning vs renting as well. so...i'd be hard pressed to say that owning provides a financial benefit in most cases, but there is an emotional value that only you can assess. it's nice to be able to have a space of your own that you can more or less do what you want with...and having a lawn (or garden) can be really great. and of course there is no risk of your landlord tripling your rent on a whim. The home that I co-own with my ex fits into what you've explained. The mortgage and other costs associated with home ownership are indeed high, but I always saved a good chunk of our pay just in case, so we had what we needed and accumulated things over time. But, now that i'm separated a good chunk of my income still goes to helping pay the mortgage and other bills, even though I no longer live at the house. If I wasn't paying those bills I would easily be able to save up and get my own house. But, I have a little boy to think about so his needs are more important than mine at this point |
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Post by variable on Feb 3, 2016 19:56:48 GMT -6
and of course there is no risk of your landlord tripling your rent on a whim. Heh, that's optimistic. Between the town revaluing your house up and raising your taxes, the ultimate landlord (the state) sure can jack your "rent" (maybe not to triple). Just try not paying that vig. |
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Post by brentkuz on Feb 3, 2016 20:04:39 GMT -6
and of course there is no risk of your landlord tripling your rent on a whim. Heh, that's optimistic. Between the town revaluing your house up and raising your taxes, the ultimate landlord (the state) sure can jack your "rent" (maybe not to triple). Just try not paying that vig. I'm going back and forth now with which town/city to buy my next house. Small town with higher values but lower tax $10.40 per thousand vs warwick city $20.75 per thousand but lower values. |
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Post by brentkuz on Feb 3, 2016 20:05:43 GMT -6
Wanna hear something awesome?!?!?!!
I had $60 worth of rakuten points plus an extra 1000yen coupon just ordered some Buzz rickson original spec chinos in beige size 36! Should be around 28$
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Slowwww
Feb 3, 2016 20:11:02 GMT -6
Post by Deleted on Feb 3, 2016 20:11:02 GMT -6
and of course there is no risk of your landlord tripling your rent on a whim. Heh, that's optimistic. Between the town revaluing your house up and raising your taxes, the ultimate landlord (the state) sure can jack your "rent" (maybe not to triple). Just try not paying that vig. that's a good point. i've been pretty lucky in that in 10-11 years of ownership only having to contest my tax assessment once, resulting in a favorable reduction. |
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Slowwww
Feb 3, 2016 20:23:59 GMT -6
Post by devastitis on Feb 3, 2016 20:23:59 GMT -6
Tax deductions are nice as well.
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Post by brentkuz on Feb 4, 2016 0:51:03 GMT -6
Tax deductions are nice as well. Yes but still not the end all be all. |
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Post by stinky on Feb 4, 2016 9:19:37 GMT -6
Heh, that's optimistic. Between the town revaluing your house up and raising your taxes, the ultimate landlord (the state) sure can jack your "rent" (maybe not to triple). Just try not paying that vig. that's a good point. i've been pretty lucky in that in 10-11 years of ownership only having to contest my tax assessment once, resulting in a favorable reduction. We bought our place out here in OP in 2005, and our taxes (almost) doubled the following year based on the sale price. It was quite a shock to receive 5-figure tax bill on a very modest home when we were expecting half. When we lived in the city, our taxes were roughly 1/4 of what we pay in the near burbs (which is one of the reasons that Chicago Public Schools is teetering on bankruptcy). Luckily over the years, our assessment has gone down due to home sales in the area (as well as assessment contests), which causes our neighbors to pay their fair share. The assignment of property values by the government has always seemed like arbitrary BS to me. |
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Post by Deleted on Feb 4, 2016 9:49:42 GMT -6
It was quite a shock to receive 5-figure tax bill on a very modest home when we were expecting half. holy cow...that's crazy. The assignment of property values by the government has always seemed like arbitrary BS to me. i'd say that is a fair statement |
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Slowwww
Feb 4, 2016 10:12:53 GMT -6
Post by stinky on Feb 4, 2016 10:12:53 GMT -6
It was quite a shock to receive 5-figure tax bill on a very modest home when we were expecting half. holy cow...that's crazy. I think ultimately we end up on the winning end of the monetary issue, though, given the school situation. I wouldn't send my worst enemy's kids to a Chicago neighborhood school. If we lived in the city, it's 2x private school tuition, plus the frustration, hassle and expense of taking them to and from school every single day. |
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Slowwww
Feb 4, 2016 10:17:26 GMT -6
Post by Old26 on Feb 4, 2016 10:17:26 GMT -6
I think ultimately we end up on the winning end of the monetary issue, though, given the school situation. I wouldn't send my worst enemy's kids to a Chicago neighborhood school. If we lived in the city, it's 2x private school tuition, plus the frustration, hassle and expense of taking them to and from school every single day. Only thing keeping us in our home for now is Cali's Prop 13 and a huge chunk of equity. If I lose my job, we'll likely have to sell it and move. Getting way too difficult to compete with cheap kids and being older in the job market. I guess we're "lucky" that we at least have the equity, but it makes me feel like I just have a ****ing expiration date on my forehead. Not what I thought the world would be like as I got older. |
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Post by MiddleAge on Feb 4, 2016 11:00:21 GMT -6
I think ultimately we end up on the winning end of the monetary issue, though, given the school situation. I wouldn't send my worst enemy's kids to a Chicago neighborhood school. If we lived in the city, it's 2x private school tuition, plus the frustration, hassle and expense of taking them to and from school every single day. Only thing keeping us in our home for now is Cali's Prop 13 and a huge chunk of equity. If I lose my job, we'll likely have to sell it and move. Getting way too difficult to compete with cheap kids and being older in the job market. I guess we're "lucky" that we at least have the equity, but it makes me feel like I just have a ****ing expiration date on my forehead. Not what I thought the world would be like as I got older. Yeah.... expiration date is sad but true. Went to Facebook campus couple months back and I just felt old after seeing all those twenty something running around. I gave myself another ten years max before I will be pushed out. Enjoy now while I can. |
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Post by bentin on Feb 4, 2016 11:04:27 GMT -6
Trainspotting is 20 years old.
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Post by stinky on Feb 4, 2016 11:44:34 GMT -6
Only thing keeping us in our home for now is Cali's Prop 13 and a huge chunk of equity. If I lose my job, we'll likely have to sell it and move. Getting way too difficult to compete with cheap kids and being older in the job market. I guess we're "lucky" that we at least have the equity, but it makes me feel like I just have a ****ing expiration date on my forehead. Not what I thought the world would be like as I got older. This is exactly why my partners and I started our own biz. If I lose my job, it's a result of my own stupidity, not getting pushed out by kids. |
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Slowwww
Feb 4, 2016 11:45:57 GMT -6
Post by stinky on Feb 4, 2016 11:45:57 GMT -6
Trainspotting is 20 years old. So is Space Jam. |
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Post by Griffin on Feb 4, 2016 11:57:09 GMT -6
Im glad Im in security right now, it grows four times as fast as the other major areas with comuntication being virtually flat.
Old26 arent you working with as a service- stuff? I thought that was still hot....everyone going to the cloud or hybrid?
One thing is clear tho, the rate things move, no one of us is equiped with what we need for the future, i think the most important skill is to be able to adapt change very fast....or were out.
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Slowwww
Feb 4, 2016 12:07:23 GMT -6
Post by Old26 on Feb 4, 2016 12:07:23 GMT -6
Im glad Im in security right now, it grows four times as fast as the other major areas with comuntication being virtually flat. Old26 arent you working with as a service- stuff? I thought that was still hot....everyone going to the cloud or hybrid? One thing is clear tho, the rate things move, no one of us is equiped with what we need for the future, i think the most important skill is to be able to adapt change very fast....or were out. Problem is yes, I'm employed, but we get nil training. Things change, but with what time do I find to learn more while keeping sane? Security is good as it's behind the scenes and growing in importance - you're good. Me, we'll see. Lots of our stuff is being shoveled to India and Costa Rica. Sucks. |
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Post by Old26 on Feb 4, 2016 12:09:21 GMT -6
Only thing keeping us in our home for now is Cali's Prop 13 and a huge chunk of equity. If I lose my job, we'll likely have to sell it and move. Getting way too difficult to compete with cheap kids and being older in the job market. I guess we're "lucky" that we at least have the equity, but it makes me feel like I just have a ****ing expiration date on my forehead. Not what I thought the world would be like as I got older. This is exactly why my partners and I started our own biz. If I lose my job, it's a result of my own stupidity, not getting pushed out by kids. I spend so much time trying to think of what I could do and how to do it. I have many interests, but I don't want to do something everyone else is doing and hope I create a niche. Trust me, I constantly lie awake thinking of wtf I can do on my own... |
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Post by Winterland on Feb 4, 2016 12:09:33 GMT -6
Is it me, or has the forum been slow the past few days? Meaning...not many posts? I posted some stats over here selvedgestyle.com/post/69662We have talked about a Random Thread such as this Slowwww Thread is turning out to be. We have talked about it before but we were worried some good info about topics we have categorized in other threads would get buried in Random. Did we want to have a Random Thread like this one? Maybe we can create a poll. If we do decide to have one we should be mindful to keep it random and any good info find the appropriate Thread. |
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Slowwww
Feb 4, 2016 12:10:38 GMT -6
via mobile
Post by ickes on Feb 4, 2016 12:10:38 GMT -6
Trainspotting is 20 years old. Silence of the lambs....25 years old |
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Post by stinky on Feb 4, 2016 12:14:01 GMT -6
I posted some stats over here selvedgestyle.com/post/69662We have talked about a Random Thread such as this Slowwww Thread is turning out to be. We have talked about it before but we were worried some good info about topics we have categorized in other threads would get buried in Random. Did we want to have a Random Thread like this one? Maybe we can create a poll. If we do decide to have one we should be mindful to keep it random and any good info find the appropriate Thread. Threads like this are great because they have an organic ebb and flow and allow us to talk about random bs. That's what made the old G forum great. My vote is to leave it alone and let it ride. who cares if info gets lost in it? |
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