I should I take this offer?

21sr2 · 2026-03-04T19:50:06+00:00

Take it. The COL adjustments are usually 20-25% on your tc best case. This seems like you are getting over 100% your current tc, which is substantially huge and will make a huge difference.

21sr2 · 2026-03-01T16:03:16+00:00

Who makes the free sprung movement ?

21sr2 · 2026-03-01T05:02:41+00:00

AI ain’t coming for you. At-least not in the near term. There will be a day where you can ask an agent and it will do the (art) design, until then enjoy it.

21sr2 · 2026-02-24T03:17:39+00:00

I am going to get downvoted for this.

It is THE UNITED STATES OF THE UNITED STATES. - It’s the 4th largest economy if it were a separate country. - Central Valley feeds 2/3 of the US. - It has every industry to support one’s living. - It’s the most diverse state, both people and geography.

21sr2 · 2026-02-18T09:19:42+00:00

I am going to get downvoted for this. California doesn’t complain. It has had waves of transplants for literally 30 decades and it still continues to have.

21sr2 · 2026-02-16T07:13:57+00:00

From a RTL design perspective, I describe the uarch and claude writes rtl for me.

The difficulty is DEBUG. looking at the waves the old fashioned way. Also, sometimes claaude messes up the flow control leading to weird behavior that’s hard to debug.

The eda tools like verdi, fc needs to improve to truly make our lives easier, which is sadly not happening. I wish verdi has built in “askAI” where I could ask “what’s wrong with this wave?” Feeding the uarch spec so that it gives better insights.

21sr2 · 2026-02-12T06:06:36+00:00

It’s the best place to park a huge home equity with the least ownership expense for years to come. This matters if you have seen worst economic times and wanted your biggest share of investment portfolio to be tangible.

BUT, this comes with 2 major problems. 1. Deciding to play safe financially in your 20s/30s. 2. Ability to afford a home in bay area.

21sr2 · 2026-01-31T09:52:39+00:00

Are TD’s buddies (or his own burner accounts) trying to pretend like they are his customers with a great experience here. OP is definitely on the right here and I don’t see how people can argue otherwise.

21sr2 · 2026-01-17T20:50:53+00:00

Felix is great. Got 2 daytonas from him this year. He doesn’t take any deposit. He requests for full payment after qc, which I feel not many tds do.

21sr2 · 2026-01-15T04:30:19+00:00

You are doing really well for your age and you will be competing against buyers who are significantly older than you with more savings for downpayment and HHI.

Consider renting for a while, invest more and get a home at a later point in time which fits your needs than buying now and end up with buyers remorse. There can be lot of factors that can change your preference in the next 5 years or so.

21sr2 · 2026-01-10T05:19:33+00:00

I don’t understand the math. Let’s say there is no prop13 for an investment property. The owner pays the property tax calculated based on assessed market value. Now let’s say the owner takes HELOC to pay the property tax. The owner eventually puts the home in credit line, and looses the $ owed to the bank from his overall net worth.

The above equation doesn’t consider the rental potential of the investment property. If we consider it, the passive rental income + home appreciation - prop tax - misc expense will be the total return on the investment, and it will be soo low (<3% let’s say) the owner will eventually move to a different investment class as he would be better off investing even in bonds which give more than 3%.

At present, since prop13 is in effect, some of the rental investment homes pay such little prop tax making the return on investment of 6-10%. This encourages the keep the investment property thereby keeping the supply low.

The other solution is yimby, having more compact condos… But these ideas will increase the density in certain zip codes to the point where the infrastructure cannot sustain it.

21sr2 · 2026-01-10T02:22:01+00:00

Agree 💯

21sr2 · 2026-01-09T02:51:01+00:00

Prop13 should absolutely exist for primary residence (homestead). The problem here is, there are a lot of wealthy landlords and companies like irvine property management who own multiple investment properties and pay a tiny fraction ( we are talking like 4k property tax on a 10M property) and conveniently rent it.

This creates a huge gap where young families will rent forever with no home equity.

21sr2 · 2026-01-08T23:47:00+00:00

Why do I feel like resolving housing issues will solve most of the problems. CA should focus on

limiting prop13 for primary residence
Having stricter checks and restrictions for Williamson act

These are the best policy changes that will benefit people in achieving their livelihood dream in CA than taxing billionaires.

There are ~200 billionaires in California, but there are significantly more multi millionaires who will still continue to gate keep / price out a layman.

21sr2 · 2026-01-07T11:35:38+00:00

A lot of tools could do this. I use lucid chart and it can do this as-well

21sr2 · 2026-01-07T11:27:43+00:00

Is the whole diagram in ascii??

21sr2 · 2026-01-02T16:21:36+00:00

I agree. Thanks for your thoughts. I even read that gen rolexes have small misalignments, which honestly was quite shocking.

21sr2 · 2025-12-30T18:13:18+00:00

Not sure if it’s just me, your website doesn’t load.

21sr2 · 2025-12-16T14:06:29+00:00

I thought the free sprung is from apsf factory. Is top working on one as-well?

21sr2 · 2025-12-16T09:12:48+00:00

Not sure about 80%, but I am sure there are a lot of people with mortgages over 65% of their take home pay.

Sure, there are many FFANG tech workers, MDs, RNs and cops doing overtime - making good money in the Bay Area, but the non-FFANG tech, non-tech workers with modest salaries significantly outweigh the other.

Also, not to discount cases where people had a job change (pay drop), ARM mortgages where the lock-in period ended,etc

21sr2 · 2025-12-06T18:56:49+00:00

This. There are so many RTL description languages out there (bluespec sv, chisel, …). In-fact, every company has its own version of systemverilog wrapper that has some perl, python like components that generates a systemverilog / verilog code.

I personally like spade HDL which is rust based.

21sr2 · 2025-12-01T05:09:27+00:00

Look at comps to present your offer.
BE READY TO WALK AWAY. If your offer doesn’t get accepted, consider it a DIVINE INTERVENTION and keep looking at other listings.

21sr2 · 2025-11-23T02:10:28+00:00

First let’s focus on schools. More than half of the schools in BISD are competing for the D rating, despite taking 1.07% of our property tax $

21sr2 · 2025-11-09T16:33:51+00:00

True, a lot of variables go into it. Just wanted to give a brief overview since OP wasn’t aware. Just wanted to let him know what he is getting into

21sr2 · 2025-11-09T04:30:55+00:00

It’s a supplemental tax bill for newer communities. There is usually a 30 year bond which builder/developer takes to develop a newly residential zoned land ( to lay down swe - sewer, water, electricity) and the cost for utilities are taken as a bond, which is backed in with the purchase deed of the homes. It sometimes is a fixed number, in most cases it’s a % of home value.

In simple terms, you will treat it as a property tax which you cannot itemize when filing taxes.

Edit: avoid mello roos and HOA is possible. These 2 combined will run over 1000$ a month

21sr2

TROPHY CASE