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Hefeweizen

Certifiably Surly
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Everything posted by Hefeweizen

  1. My first purchase was at 6 percent back around 2001. So I think that is somewhat high but as the previous posters said it’s probably dumb to base a purchase on rates. Thanks surly. My marriage thanks you too because my wife ain’t gonna be denied when she finds the right house.
  2. Israel? I know they like having ties with Russia but they are really good at this shit.
  3. It's like watching kids learning combined arms tactics. They just figured this out? MANPADS should help with the choppers.
  4. Gotdam Putin has got to be gnashing his teeth about all these mysterious fires.
  5. Holy shit that is brutal. Mother nature is scary.
  6. Serial question: I'm closing in 3 weeks and will be sitting on cash but I also think the RE market where I'm buying is slowly cooling off. What does the Surly real estate contingent think of renting for 6 months while waiting? Or do you jump on something when it pops up and then just refinance a year or two down the road when rates moderate? I think we're in a tightening cycle for at least 12 months, right? I plan to put between 50 and 65 percent down on the purchase but it'll still be a jumbo.
  7. Yeah this month has sucked shit through a straw .
  8. How many HDMI ports? And do they charge using USB-C?
  9. Update - down 10 lbs for the year and what has finally got the ball rolling is getting rid of gluten. Main casualty is my favorite beer but I am feeling 10x better right now and less hunger too. The best part is it seems to have come off my gut first.
  10. So if we do it in India, we have to say "Shiva me timbers" right?
  11. Novax lost to Rublev which was cool. Carlos Alcaraz is going to be a force (novel opinion I know).
  12. What is crazy is how fast this market moved. My buyers sent us their financing info and their lock was at 4.3. That and the fact they had been looking since November explains some of the desperation. I am an optimist about a lot of things but the current housing market is not one of them. The double whammy of higher appraisals and higher rates is going to sting badly for new buyers.
  13. So fucked up. Germany is coming up just a little short here.
  14. I'll add my two cents as someone departing the shit show I helped create. I've just gone hard on a contract (as a seller) which features an obnoxiously high option fee, 15% over asking price, waiver of appraisal, free lease back, and absolutely not one single item from the inspection. This was five days after listing, and we jacked up the listing price after consulting with our agent by about 15%. We wound up about 40% from what we were going to sell for last fall when we first started talking about moving out of state. I've done my math and I'll pay more in income tax briefly before I fully retire/consult, but I'll pay way less in property tax. I may be cashing in equity too soon (time will tell) but I have more than doubled from the purchase price less than 5 years ago and my net profit based on cash in is actually about 5x. I am also heavily involved in the development of raw land as well as delivery of finished lots, so I have very intimate knowledge of the financial proposition right now. There isn't enough inventory and as a result people are doing really stupid things. This market, and the taxes associated with it, are going to strangle growth in Central Texas. Raw land in large acreages for development is selling for 3 to 4 times what it was four or five years ago. I am going to continue to work in the field but I have this 2007-2008 feeling again despite things being very different. I am taking my money and paying cash eventually for a much smaller house on much less land in a much more out of the way place. It has been expensive for a long time but all of a sudden is actually a value proposition and unlike my stock picks I do well with real estate. Shout out to @UTPhil2006 if you ever need a mortgage guy - he and Thad have been solid and reliable on at least three or four transactions I've had with them. All I know is the SALT limit did me in and caused me to reassess my thoughts about Texas, then TCAD came in and cleared the bases for me.
  15. Seems like full on autarky coming. It's because of the planned nukes. I am on the ledge now.
  16. I hope you’re right and I’m wrong. But every time Putin has been embarrassed it’s gotten way worse. After the most recent strikes on Lviv I also think the line is creeping to the Polish border for missiles. Also they have used a couple of delivery systems that work for nukes (Kalibr, TU-160, etc) recently to try and demonstrate strength. It’s becoming a lot more dangerous situation.
  17. I didn’t say required, probably should be the company’s call at this point. But I like it because I don’t like people, much less their kids or their breath. I will fix it by not flying. Easy enough for me.
  18. The May 9th deadline is real. They have to inflict a lot of damage to be able to declare victory and finish this before then. The challenge is to convince Ukraine that it’s over. I don’t think that’s going to happen. And then the tactical nuke or chemical strike will happen.
  19. Besides the fact that gas will continue to climb in price? I am definitely going to check mileage per gallon on my next vehicle…
  20. The cool thing here is the people coughing and sneezing without a mask on let us know who the assholes are. It makes it way easier to figure out these days who the selfish dicks are around you. I’m not wearing a mask day to day at all but on planes I’m cool with it because people are nasty. But I will drive a long way to avoid getting on a plane anyway because I am surly and don’t like people.
  21. I wish I had done something cool or bad enough to warrant a name change. I've been using this one since I first started drinking. Which was a long time ago. And I haven't stopped (drinking).
  22. Pretty much, username checks out for Mother Russia.
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