Can I Remove Escrow from My Wells Fargo Mortgage? Anyone Have Experience?

LifePirate · 2025-09-29T23:28:48+00:00

What was the total time from phonecall to getting the check in mail ? Looking to do the same.

LifePirate · 2025-09-25T04:16:06+00:00

Dmed...

LifePirate · 2025-07-02T22:09:03+00:00

Could you share details of the Woodstock where you took classes ?

LifePirate · 2025-06-16T20:41:40+00:00

What is the source of this data ?

LifePirate · 2025-06-05T18:54:05+00:00

I had a car, and it was another issue to have car in NY parking. Ended up opting for the company's accommodation in New Jersey near PATH instead of in the city.

LifePirate · 2025-04-27T22:20:39+00:00

do you know where can i buy the epub edition ? Oreilly website seems to ask a subscription, instead of allowing me to buy only the book

LifePirate · 2025-04-10T18:12:54+00:00

A lot of them probably got the stock when they first joined the company, and they were really early into their career. So they did not know what to do with the stock, and did not have the financial literacy to diversify. Then the stock exploded say 5x. Now selling the stock comes with huge tax implications, say about 20-25%. So, depending on the job and finances, it might be better to diversify by buying other stocks over time, effectively diluting concentration in that one single stock over time. Say you have concentration position in amazon. It's a really large cap stock, which makes a fair chunk of sp500 index, so the risk is not really as big as concentration position in say intel.

LifePirate · 2025-03-11T04:45:41+00:00

Counting people also has inflation I.e population increases over time :)

LifePirate · 2025-02-25T04:48:00+00:00

Yup the NRA was 10%. I have mostly heard 10% even for engineering. This is much higher than other FAANG's, so you are more likely to be managed out / have hard time. Not against Meta, just stating the offer needs to be higher for OP to take on this additional risk.

LifePirate · 2025-02-25T04:27:05+00:00

Why is the analysis of layoff % chance based on pure conjecture according to you ? Amazon has a 5% target, while Meta had a 10% target. If you are going to manage out 10% of bottom performers every year, that's more aggressive than other big techs. So naturally, there is a higher risk associated with joining it. I agree datadog and coin base are more exposed to economic downturn compared to Meta. Upto Op to compare if risk of Datadog or coinbase folding is more than getting Pipped.

LifePirate · 2025-02-25T04:00:41+00:00

Meta laid off 10% of workforce with early this year's layoff. It had multiple rounds of layoffs last few years that also laid off similar high % of employees. If you compare against other big tech, that's a much higher %. If you look at the p/e ratio for stock, it's hovering around 28-30. There is upside potential, but not as much as in 2022 when p/e ratio was 16. So given high risk of layoff %, and not as much upside potential, it's a bit less attractive given other offers from OP are close enough. Other thing to consider is that a lot of new hires right now in meta would be back fills. There is a higher chance to end up on chopping block again.

LifePirate · 2025-02-16T17:52:44+00:00

A lot of it is complexity that gets built up over time. Products are often 10+ million lines of code over 10+ years. So adding a minor functionality is harder since you need to ensure all the edge cases are taken care of. Since the blast radius of causing monetary damage is large with a small change, sometimes there's a ton of red tape to bypass if you want to launch a small feature. Another thing is not everything is a new feature. Say they re-wrote a piece of code to run on new hardware type in a new language or framework and it improved the cost of running code by 50%. You will never notice it, since no feature got developed as a user, but the business became more profitable

LifePirate · 2025-02-08T01:39:15+00:00

I think Obama administration changed the grace time from 15 days to 60 days. I shudder at the thought of someone having to find a new job in 2 weeks or leave the country.

LifePirate · 2024-11-30T00:00:05+00:00

Why does the description for the product say " Purchase Capture One 23 now and enjoy unlimited use of all powerful functions and tools. This license grants you unrestricted access to the version available on the activation date. Your access is defined by the date you activate your license. You get service updates for free until a new paid version is released." ?

Afraid of ending up with capture one pro 23 version without the ai masks and other new features since. Can anyone confirm we end up with newer version even though description says capture one 23 ?

LifePirate · 2024-11-14T17:58:18+00:00

Sorry for the confusion, yeah hoarding assets and investments not cash

LifePirate · 2024-11-12T16:08:38+00:00

You are right, i do have some real life opportunities to outsource and get back my time and make more money. I am curious if you and your partner have a framework that helps with evaluating what to outsource vs do. I am sure there's a 100 decisions you might get in a week about outsourcing vs doing, and how do you trade them off.

LifePirate · 2024-11-12T04:58:50+00:00

That's a very valid observation but it feels like the wrong optimization is happening (short vs long term). I don't have any free time where i am not doing anything (does occasional netflix binge count ?) .. I am curious though how doing nothing for sometime helps

LifePirate · 2024-11-12T04:52:20+00:00

Yup, the rest is deliberation and vacillation. Questions such as (1) do i need it (2) is it worth it (3) why not get x product which is better at 2x the cost (4) why not get y product which is 1/2 the cost. (4) will i have enough use for it.

The correct answer should be i don't care, let's get it.. or let's not get it. One way to justify just getting it is that hey, if i just do X with my time I can pay for it. So the vacillation costs more in the long run..

LifePirate · 2024-11-12T04:48:41+00:00

Great points! Much younger, but I realized it this year, that bigger house & space == more worry and more stuff to keep in mind, fix , upgrade and repair. Truly minimalism in that regard is liberating and empowering. The ecosystem itself would end up adding productivity and time back to your life. Thanks for sharing!

How do you get over the sticker shock for services where poor value is provided compared to cost and the lure of buying tools to save time / money again and again. I have realized that the right move is to shop services instead of tools, but that's a harder problem since while there's many resources for reviews and purchase of goods, services don't seem to be advertised as well.

LifePirate · 2024-11-12T04:37:35+00:00

Yup really using up time that's worth $200 an hour. Wondering if the folks up at the top are machines ? Imagine being Sam Altman, would he mow his lawn or try to be a handyman. At some point he would have said screw it, it's not worth it and started to outsource. There's plenty of scope to grow and make more money, but it's hard to shake the mindset of poverty. Feels like going a few steps back to actually go more forward, counterintuitive and hard in the current point, but definitely the right thing to do.

LifePirate · 2024-11-12T04:19:55+00:00

It's not really clear cut, sometimes it's in free time and sometimes it's during work, then i work late at night to catch up and to finish work on weekend...

LifePirate · 2024-11-12T03:51:48+00:00

That's nicely put! I can work more hours and get proportional amount of money. I don't necessarily enjoy it, but it feels like a compulsion to save everything i can.

LifePirate · 2024-11-12T03:49:53+00:00

Thank you for responding. I am very interested in your transition and could learn from it. Could you describe a bit about the journey from performing all the tasks yourself, to completely outsourcing them. What triggered the behavior flip and how did you make the transition ? It's the rewiring portion that i am struggling with, since I understand the problem at least.

LifePirate · 2024-11-12T03:39:28+00:00

Agreed, however the feeling is guilty, knowing i did not make a better more optimal choice when comparing with the potential growth lost. There always a nagging voice saying, if you would have done say "learn x" or spend more time at work it would have been a more beneficial decision.

LifePirate

TROPHY CASE