So are the days of our lives...
10-22-14, 08:59 AM
#2276
Senior Member
Join Date: Dec 2006
Posts: 6,840
Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Quoted: 31 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
Ha yeah no thanks on the fog part.. but I'll gladly pay 600k to live in sunny San Jose!
If I was dumb enough to cash out my 401k I'd have the $$ for a 20% down payment, but I'm not that dumb yet so I need to either win the lottery or wait until my stock grants vest. Or I could put down less than 20%, but that makes things really expensive in the long run.
From talking to the bank today it sounds like having that 20% makes a huge difference in your monthly payments due to mortgage insurance if you didn't pay the 20% up front.
What I don't get is I drive around Cupertino or Los Gatos (really expensive cities inside an already expensive area), and you see normal cars in most driveways.. where are they getting all the money?! Or if they have expensive cars, how many people can be directors/bosses/etc??
Oh well, life goes on.
A wise man once said: Having money ain't everything; not having it is.
Oh wait that was Kanye.
If I was dumb enough to cash out my 401k I'd have the $$ for a 20% down payment, but I'm not that dumb yet so I need to either win the lottery or wait until my stock grants vest. Or I could put down less than 20%, but that makes things really expensive in the long run.
From talking to the bank today it sounds like having that 20% makes a huge difference in your monthly payments due to mortgage insurance if you didn't pay the 20% up front.
What I don't get is I drive around Cupertino or Los Gatos (really expensive cities inside an already expensive area), and you see normal cars in most driveways.. where are they getting all the money?! Or if they have expensive cars, how many people can be directors/bosses/etc??
Oh well, life goes on.
A wise man once said: Having money ain't everything; not having it is.
Oh wait that was Kanye.
10-22-14, 09:00 AM
#2277
Senior Member
I thought that they did it for aero.
__________________
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
10-22-14, 09:01 AM
#2278
Senior Member
__________________
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
10-22-14, 09:01 AM
#2279
Senior Member
Photoshopped, right?
__________________
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
10-22-14, 09:08 AM
#2280
Banned.
Join Date: Apr 2013
Posts: 1,497
Bikes: Black Incs
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
I am addicted to reading TIL on ****** lately, anyone else?
10-22-14, 09:15 AM
#2282
Making a kilometer blurry
Ha yeah no thanks on the fog part.. but I'll gladly pay 600k to live in sunny San Jose!
If I was dumb enough to cash out my 401k I'd have the $$ for a 20% down payment, but I'm not that dumb yet so I need to either win the lottery or wait until my stock grants vest. Or I could put down less than 20%, but that makes things really expensive in the long run.
From talking to the bank today it sounds like having that 20% makes a huge difference in your monthly payments due to mortgage insurance if you didn't pay the 20% up front.
What I don't get is I drive around Cupertino or Los Gatos (really expensive cities inside an already expensive area), and you see normal cars in most driveways.. where are they getting all the money?! Or if they have expensive cars, how many people can be directors/bosses/etc??
Oh well, life goes on.
A wise man once said: Having money ain't everything; not having it is.
Oh wait that was Kanye.
If I was dumb enough to cash out my 401k I'd have the $$ for a 20% down payment, but I'm not that dumb yet so I need to either win the lottery or wait until my stock grants vest. Or I could put down less than 20%, but that makes things really expensive in the long run.
From talking to the bank today it sounds like having that 20% makes a huge difference in your monthly payments due to mortgage insurance if you didn't pay the 20% up front.
What I don't get is I drive around Cupertino or Los Gatos (really expensive cities inside an already expensive area), and you see normal cars in most driveways.. where are they getting all the money?! Or if they have expensive cars, how many people can be directors/bosses/etc??
Oh well, life goes on.
A wise man once said: Having money ain't everything; not having it is.
Oh wait that was Kanye.
10-22-14, 09:49 AM
#2283
Batüwü Creakcreak
Join Date: Jan 2007
Location: The illadelph
Posts: 20,791
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 229 Post(s)
Liked 288 Times
in
160 Posts
Suit jacket is like a 41 now from probably a 36-38 when I was racing.
10-22-14, 10:22 AM
#2284
**** that
Join Date: Dec 2006
Location: CALI
Posts: 15,402
Mentioned: 151 Post(s)
Tagged: 0 Thread(s)
Quoted: 1099 Post(s)
Liked 104 Times
in
30 Posts
You can use lighter fluid (naptha) if you don't have a reaction to such things.
4 of us went across the U.S. in 1990. We hit a section with road work somewhere in Mississippi, I think. The first 3 of us got through with just some oil and little balls of tar stuck to the leg hair but the 4th guy, who was way back, got covered in tar and oil. He then spent the next 4 hours cleaning his bike and didn't go to dinner with us, which slowed him even more the next day.
Served him right, he was being a dick.
4 of us went across the U.S. in 1990. We hit a section with road work somewhere in Mississippi, I think. The first 3 of us got through with just some oil and little balls of tar stuck to the leg hair but the 4th guy, who was way back, got covered in tar and oil. He then spent the next 4 hours cleaning his bike and didn't go to dinner with us, which slowed him even more the next day.
Served him right, he was being a dick.
10-22-14, 10:29 AM
#2285
**** that
Join Date: Dec 2006
Location: CALI
Posts: 15,402
Mentioned: 151 Post(s)
Tagged: 0 Thread(s)
Quoted: 1099 Post(s)
Liked 104 Times
in
30 Posts
you can refinance when you get to the 20% equity and get rid of the PMI. that's what we did, but we first bought in the late 90s. you probably dont want to cash out your 401(k) but getting into home ownership instead of renting was probably the best investment my wife and I have done, we made out like bandits when we sold our 1st house and were able to buy our existing with significantly above 20% down with no cash flow implications. we were admittedly fortuitous on the timing though.
no rush, so gonna wait for stock to vest and see what i can do with it.
10-22-14, 10:34 AM
#2286
Dead Fly
Join Date: Sep 2014
Location: CA
Posts: 237
Bikes: Bianchi Grizzly, Bianchi Campione D'Italia, Bianchi Ibex
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
Likes: 0
Liked 0 Times
in
0 Posts
10-22-14, 10:42 AM
#2288
fuggitivo solitario
You can use lighter fluid (naptha) if you don't have a reaction to such things.
4 of us went across the U.S. in 1990. We hit a section with road work somewhere in Mississippi, I think. The first 3 of us got through with just some oil and little balls of tar stuck to the leg hair but the 4th guy, who was way back, got covered in tar and oil. He then spent the next 4 hours cleaning his bike and didn't go to dinner with us, which slowed him even more the next day.
Served him right, he was being a dick.
4 of us went across the U.S. in 1990. We hit a section with road work somewhere in Mississippi, I think. The first 3 of us got through with just some oil and little balls of tar stuck to the leg hair but the 4th guy, who was way back, got covered in tar and oil. He then spent the next 4 hours cleaning his bike and didn't go to dinner with us, which slowed him even more the next day.
Served him right, he was being a dick.
thanks
10-22-14, 10:44 AM
#2289
fuggitivo solitario
as for housing, i guess i should consider myself lucky that 1-br condos here cost around 200-350k, and i'm much more inclined to go with the lower range as i can rent them out at ~1500-1600/month when i move out/need to upgrade.
Compare this to the philly burbs, where i can get a nice stone-architecture 4-br house for ~$550k, oh, and a great school district to boot.
Compare this to the philly burbs, where i can get a nice stone-architecture 4-br house for ~$550k, oh, and a great school district to boot.
10-22-14, 10:56 AM
#2290
Killing Rabbits
Join Date: Apr 2005
Posts: 5,697
Mentioned: 3 Post(s)
Tagged: 0 Thread(s)
Quoted: 278 Post(s)
Liked 217 Times
in
102 Posts
Working for the government is exciting on days when there is a shooting at parliament hill. Apparently we are locked in the building until further notice.
10-22-14, 11:16 AM
#2294
Senior Member
Join Date: Jul 2007
Posts: 7,569
Mentioned: 54 Post(s)
Tagged: 0 Thread(s)
Quoted: 1851 Post(s)
Liked 678 Times
in
429 Posts
Saw an ad for Infocrank that you can pay whatever you want. So I went to the company's site and kept hitting "Reduce" to lower the price. Got it down to $785 when the site told me I'd reached the end of my options. BUT, i could continue to get the price lower by inviting friends to like Infocrank.
I didn't feel like bothering anyone. Plus, I just bought an SRM so I don't need this.
I didn't feel like bothering anyone. Plus, I just bought an SRM so I don't need this.
10-22-14, 11:30 AM
#2296
**** that
Join Date: Dec 2006
Location: CALI
Posts: 15,402
Mentioned: 151 Post(s)
Tagged: 0 Thread(s)
Quoted: 1099 Post(s)
Liked 104 Times
in
30 Posts
That, and it was some program on BF a while back to pay $$ to be a "premium" member or something. Now it's the yellow jersey I think.
And in fact the star was donated to me, so I never paid anything. Win win.
And in fact the star was donated to me, so I never paid anything. Win win.
10-22-14, 12:11 PM
#2297
¯\_(ツ)_/¯
Join Date: Jun 2008
Location: Redwood City, CA
Posts: 10,978
Bikes: aggressive agreement is what I ride.
Mentioned: 109 Post(s)
Tagged: 0 Thread(s)
Quoted: 967 Post(s)
Likes: 0
Liked 4 Times
in
4 Posts
If I ever pay my house off entirely we'll have to buy another. 3.25% or whatever the interest is now is better than the 6-7-8% we're getting off investments. Free money.
10-22-14, 02:19 PM
#2298
Senior Member
Join Date: Sep 2005
Location: In the foothills of Los Angeles County
Posts: 25,281
Mentioned: 8 Post(s)
Tagged: 0 Thread(s)
Quoted: 8275 Post(s)
Liked 9,031 Times
in
4,471 Posts
It was quite a trip. We stayed together or waited for the slow guy until he just got so annoying we just dropped him everyday and he rode by himself. Of course, the fastest guy rode alone and the other 2 of us rode together part of the time.
One day, 2 of them took off while the fast guy and I stayed back. This crazy guy says "You wanna try and catch them?" They were a couple hours ahead, I think, but I sat on his wheel for hours and we did catch them. That was a hard day, loaded touring bikes drafting.
One day, 2 of them took off while the fast guy and I stayed back. This crazy guy says "You wanna try and catch them?" They were a couple hours ahead, I think, but I sat on his wheel for hours and we did catch them. That was a hard day, loaded touring bikes drafting.
10-22-14, 08:39 PM
#2299
ride lots be safe
Join Date: Jan 2007
Location: Texas
Posts: 5,224
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 13 Post(s)
Likes: 0
Liked 1 Time
in
1 Post
I've really been enjoying this year's "end of season" fitness, with no pressure to ride at any particular speed or effort, still I feel like just hammering as hard as possible, just for the sheer joy of being fit and going fast. That's really encouraging for next year. Also, have to replace my big ring... worn out. Yup. Seriously. Thinking about replacing it with a 55.
10-23-14, 02:48 AM
#2300
Senior Member
I've really been enjoying this year's "end of season" fitness, with no pressure to ride at any particular speed or effort, still I feel like just hammering as hard as possible, just for the sheer joy of being fit and going fast. That's really encouraging for next year. Also, have to replace my big ring... worn out. Yup. Seriously. Thinking about replacing it with a 55.
Recently I did run a 55 for a year or so, only because I wore out the two 130BCD 53T chainrings in my inventory. The 55 was free - I'd already bought it for our tandem (and the stamped steel OEM tandem chainring was just a bit too not good to use it). It was a point of conversation, esp since on my bike the 55 just looked huge, but not much more use than that. Nice for particular situations on descents and in tailwinds, I was still very comfortable moving up when others were much less so. Since I only came from a 53 it wasn't a big jump. From a 50 or 51 it would have been a bigger jump.
You're using an 11T, right?
__________________
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson
"...during the Lance years, being fit became the No. 1 thing. Totally the only thing. It’s a big part of what we do, but fitness is not the only thing. There’s skills, there’s tactics … there’s all kinds of stuff..." Tim Johnson