MrTPlush
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Everything posted by MrTPlush
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If you have plenty of money to put down 20% and still have a ton of reserve funds I think most should avoid PMI. If you can't put down 20% or it would greatly reduce reserve funds, depends on your credit score, honestly. If you have a great credit score (like 740+) it can be pretty minimal. I think mine equates to about $7,500 over 8-9 years. That is a pretty minimal cost considering I put down about $7k instead of $47k. Of course if your credit score is pretty rough PMI can start approaching $300. If it will take you years to get 20% to put down, one can argue housing appreciation and/or interest rates can cost you just as much though. Now one could put less down and invest the rest, potentially making more in the long run. However, that is getting pretty complicated and far from a sure thing. I think I would just take the sure thing where I pay no PMI and then spend less over the life of the loan in interest.
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If you started doing that from Day 1 in reality you are only saving a bit over a year worth of payments. I have never really been a huge fan of this concept. Throwing that extra payment into retirement savings, especially early on, would be a way more logical than putting it towards the mortgage. Especially for loans taken out in the last 10+ years or now. The interest rates just aren't very high anymore. I just did a really basic exercise and it looked like the extra payment would save about $13,500....investing it and averaging 8% had it over $100k. To be honest, I don't see a ton of value in finishing 3.5 years sooner. You are pretty used to it after 25 years and by the time you would pay it off early it would hardly matter a in all likelihood. Your salary is likely much higher and it is likely your only real debt at that point. Now of course if one was in a situation where they are trying to pay it off before some massive notable life event (kids entering college or trying to pay it off before retirement), then I can understand chasing to rid yourself of that debt. Of course some of these ways to strategically help pay off a mortgage faster aren't allowed by some lenders. My lender won't let me put extra payments towards principal-only and I also can't go into a bi-weekly payment plan. So while both of those can be sound ways to pay it off faster, not always allowed these days.
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I opted not to try and powersave a big down payment. When I bought my house a little over a year ago I figured 2-3 years wasn't really going to gain me anything. Interest rates were so low I figured a bump of 1.5%+ wasn't out of the question 2-3 years from then. Also figured housing prices would just continue going up, thus making it cost more in general. I also considered the fact that my salary really wasn't likely to drastically go up any time soon, so many houses I could afford then I wouldn't be able to afford in three years. Of course I have good credit so my PMI payment is really low. Different story if I would have had some $350 PMI payment. Many young people are balking at the housing market these days, they all just want to wait 3-5 years. They imagine this massive housing crash like 10+ years ago and I think they are sadly mistaken. I also don't think a lot of people truly understand the impact interest rates have on the cost in the long run. 3% compared to 5% just doesn't seem like a big deal to the average person. Even on a modest $250k loan that is nearly $100k over 30 years.
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I wonder sometimes how many actually have no mortgage or rent in retirement. It just seems so many pay off (or get close) to paying off that first mortgage and make the big upgrade to a new house. Thus pretty much having a mortgage forever. It is certainly a major financial advantage if you pay off your original mortgage and stay in that house...it just seems really unlikely these days many are doing that. In some ways you save in retirement...but in other ways not so much. The average person probably travels A LOT more in retirement than they did prior. That is probably a big expense to be adding yearly.
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Kinda glad I graduated into a decent economy with a good knowledge of investing/401Ks. I think I had enough in retirement at about 24 for it to project to be $1mil at retirement. That was just casually chasing the 5% match. I want to find a different job sooner or later though so I can opt out of the pension...that money would do me way more good invested into the market versus some marginal pension amount decades from now. I also maxed out my carryover leave year to year so when I eventually move on I can take the leave payout and put it into retirement.
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At what point does $1mil stop being a gold standard to look at? I mean, maybe that is an okay amount for someone retiring in 2022, but if you were talking to someone 20-40 years out....I don't think $1mil is really the greatest benchmark.
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I used to get countless calls a day from spam and/or companies I inquired about something months upon months ago. Then suddenly halfway through December it all died. No more random spam calls etc.
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Well, lets take into consideration what is usually on TV ads. Frozen pizza and fast food chains. You are slamming pepperoni for sucking, but every frozen pizza with sausage is equally garbage. Usually low in taste and rubbery. I don't know that I have ever had good sausage on a frozen pizza...some are okay, but rarely meaningful. The downside with sausage is when it sucks, it ruins a pizza quick. Pepperoni is rarely bad, boring maybe...but hard to ruin a pizza. Feels like most frozen pizzas and chains use the same type of sausage from the same supplier. Now some premium frozen pizzas can have good sausage, but the same goes for pepperoni too. I usually try avoid sausage on a pizza unless it is an actual pizza place and it is made in house...that is good stuff and adds to a pizza.
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Home made bread is better in a pizza oven than in an oven. Not sure you could get the right temperature in a grill for bread. I mean, I have seen many people make bread in a normal oven. I’m not much of a bread maker myself, but I am pretty sure a normal oven can do it just fine. I have seen people do some nice pizza types that aren’t Neapolitan (usually Detroit style)…but again, pretty sure it would be easier and better to just do it in a normal oven. Neapolitan though, isn’t really possible in a normal oven. I love the vibe of using the Ooni though. It’s kind of like grilling, sitting there on the patio on a summer night cooking pizzas just hits the spot.
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You can do other things in it...but it is just kind of dumb. An oven or normal grill...both of which are 10x easier to use can do it better in 99% of cases or just as well. Every time I see a post about doing a steak in it I just shake my head, some people really try to rationalize it as more than a pizza oven by making life more difficult.
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Very nice! I assume you have it on a patio or something? I want one of those at some point in my life. I have an old model that does charcoal/wood (and can get a propane attachment). Charcoal and wood is fun to play around with…but propane is probably a no brainer if you need to churn out quite a few pizzas or like simplicity. It is kind of an art to use. It takes awhile to figure out a good dough recipe, figure out how to do the temp right, figure out how to dry out cheese, figure out how to get the pizza in and out. If you like Neapolitan pizza it is incredible. I have made pizza that rivals even the fanciest Italian restaurant I have ever gone to. If you don’t like Neapolitan pizza these little pizza ovens don’t really make much sense. You can mess around and make Detroit style etc. in it…but just use your normal oven at that point. I bought mine when it was $300 for the Karu 12…or course COVID related issues have skyrocketed the price to $400.
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I mean, wouldn’t shock me if we see the price go up here soon for YTTV
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I checked into cable just for fun, once again, the intro price seems decent…until 3-4 boxes/plus DVR and then it is just LOL. I wish there was a cheap streaming option for the local channels (Fox/ABC/CBS) and then I can easily mooch off someone for ESPN and FS Wisconsin.
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Okay, I retract my last statement....I need ESPN for Kansas Basketball. Does ESPN+ let you watch all of ESPN...the the main channel and stuff? If so, then still a net win money wise.
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Isn't there an ATT one or something....though that and Direct TV are basically just cablebox-less cable.
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I will take the extra $15 a month.
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Just had Lou Malnati's, and I actually like Rockys a lot more. I get it's unique, but I get a huge craving for it every few months. Extra cheezy super-rony and side of breadsticks? Yes please. I really like Lou Malnati's thin crust It certainly gets overshadowed by the deep dish (which I think is overrated anyway). I always ordered that because I am not really a deep dish person...always offended my Chicago 'burb friends. That being said, if I remember right, it was really expensive. Like pushing almost $20 for a one topping large.
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I also decided to try a pothole pizza. I went with the pepperoni, wife went for the supreme one. The pepperoni one honestly reminded me of making a homemade pizza with one of those pre-made pizza crusts you can get in the bag at the store. The sauce was also very basic and thick/pasty like a generic pizza sauce is. The cheese blend was really solid, as long as you like a garlicy cheese. It was thick, but wasn't like a Lottza Mottza that it is difficult to even bite without everything wanting to come of the crust. The supreme was actually pretty good too...though a bit spicy. The supreme had the sausage and I thought that was pretty good. However, the mushrooms were by far the most disgusting mushrooms (in any instance...pizza or not) that I have ever had in my life. The taste was horrid and the texture honestly made me want to gag and I like mushrooms. They honestly tasted like they sat in soapy dishwater and then got thrown on the pizza. For $4 it was a good pizza and probably hangs there with the $8 range frozen pizzas in general for the typical pizza lover. That being said, probably too greasy for me to buy again. Maybe on hand for a grease bomb when drinking one night. For similar taste I could just do the homemade one I mentioned earlier and have about 80% less grease.
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It certainly does happen where they will throw someone out for this...even before an interview. They either assume you are going to ask for too much or they are worried you won't stay around for long.
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Unfortunately for quite a bit of Wisconsin Charter is your only real option...heck some probably wish they had Charter...but even that isn't an option. TDS is moving into more and more areas, but their customer service has got to be 10x worse, especially if the service isn't already hooked up to your house (or even worse the community is in process of getting it) and you are the one dealing with that.
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When I moved I decided to pick up the modem thing in the store the day before because they wouldn't ship it to a different address before hand. I stood there for over an hour and there were only like five people in front of me...literally all I was doing was picking the stupid thing up. Most of the time 2/3 employees were sitting on the computer helping no one. Some lady wanted to pay her bill and the only way to do it in person was some kiosk thing that wouldn't work. She said she was in there for over two hours and they basically shrugged and said, "idk, try again tomorrow, hopefully it is working then." Though one time I had to call them when setting up cell phone service and they were actually pretty nice/helpful...took like 10 minutes. I must have got the one decent employee they have.
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Yah...unlikely. When does the consumer ever really benefit.
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Love streaming services. Smart TVs combined with streaming services for the win. Can put a TV anywhere and get logged in…boom TV. Stick TV out on the patio in the summer, boom. Put a bunch of TVs on the wall for the home bar, boom. Put TV anywhere in the room and not have to worry about where the cable hook up is, boom. In almost two years I have never had to call YouTube TV and they never send someone to come in my house to fix things. No scam first year pricing and no massive price hikes. The only downside is no Brewers, but thankfully I have someone close enough to me to share their login information. I guess I’m just not attached to my TV shows and specific stations to need to bow down to cable to have everything. The Brewers are the closest thing, but I wouldn’t even consider paying cable prices to watch it on TV. Id just watch the national games and go to a handful in person…I’d be perfectly fine. I think I could do with an even cheaper option, but the wife demands Big Ten Network which I couldn’t care less about.
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Shoot even a standard oven be getting cramped at that size.
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I always want to like Red Baron....but it just looks better than it tastes in the end. Also, Romas aren't good...but they ain't the worst. That is Totinos....and really I don't think it can even be debated. To be honest I am not even sure how they even sell them anymore. What cult eats those things?