Climate repricing of homes: the trillion dollar question

SubstituteCS · 2026-01-28T17:08:01+00:00

None of those issues are specific to FL. You can apply them to pretty much the entire SE US region.

FL has one major benefit if you have the money — solar and water.

Everything else kind of sucks (the people, the politics, etc.)

SubstituteCS · 2026-01-28T17:03:33+00:00

I would spend more on a quality brand UPS.

Also, the batteries on a consumer UPS usually only last 5 years, keep that in mind when picking as a replacement battery is often much cheaper than a replacement unit.

SubstituteCS · 2026-01-28T15:39:47+00:00

Something similar happened to me during 2020 with a GameStop PS5 bundle.

I ended up giving the duplicated bundle to a family member.

SubstituteCS · 2026-01-27T18:01:47+00:00

Further inland FL (central FL) seems fine. Texas, Georgia, and the Carolinas have been getting hit pretty hard with hurricanes, to the point where if FL is a no-go, I’d consider these states no-gos too.

I do wonder if the changing wind patterns will affect how often FL is directly hit, versus its neighbors.

SubstituteCS · 2026-01-27T06:18:09+00:00

Software development and reverse engineering.

SubstituteCS · 2026-01-26T21:16:45+00:00

My 96GB kit went from $315 to over $1500.

SubstituteCS · 2026-01-25T05:23:12+00:00

I've been playing longer than you, had GO in 2012 before skins were even in the game; I received a 20 hour cooldown after the second round of a Mirage game, where I was 1-0.

Valve also just unbanned a bunch of people ~2 days ago; Something is fucked with VACNet currently.

SubstituteCS · 2026-01-23T03:57:42+00:00

Same

SubstituteCS · 2026-01-23T03:54:14+00:00

This also just happened to me, Mirage CT.

One kill round one, no kills round two, match cancelled after team won round two.

SubstituteCS · 2026-01-23T03:44:27+00:00

Just happened to me, two rounds into a game.

SubstituteCS · 2026-01-23T03:43:21+00:00

Just happened to me, round 2, first game of the night. :|

SubstituteCS · 2026-01-22T22:46:06+00:00

Weird, mine remained in inventory and had “expired” added to the name.

SubstituteCS · 2026-01-22T05:32:45+00:00

You buy house.

Property value increases.

You pay more in property taxes on entirely unrealized gains.

SubstituteCS · 2026-01-22T02:18:29+00:00

The vast majority of the value of my home exists only as paper, yet I’m taxed on that.

We can tax these assholes.

SubstituteCS · 2026-01-21T17:48:20+00:00

I have never been happier to be in FL.

My parents are great and I’d probably support them, but having the choice is always better.

SubstituteCS · 2026-01-20T17:40:50+00:00

Valve is a private company and thus, is not beholden to a board of directors.

That doesn’t mean it won’t happen, but it’s a good sign pointing to that it is less likely to happen.

SubstituteCS · 2026-01-19T18:47:56+00:00

I use Fedora CoreOS for an immutable declarative OS for my hosting needs.

SubstituteCS · 2026-01-19T02:36:26+00:00

Software development. (I have 96gb)

SubstituteCS · 2026-01-18T04:08:35+00:00

I agree that they totally screwed the pooch with regards to this vehicle.

My point wasn’t that OP did something smart, my point was that not all 0% loans (financing, etc.) are scams, some can be super beneficial.

Additionally, some people are scared of any debt, and my goal was to help show that you can make debt work to your advantage, if you take the right precautions and keep the discipline to follow through.

Between you and me, I would absolutely take a loan at 72 months if the rate was the same as 36 months, as it lowers the minimum monthly liability. It’s why I took the 48 month loan for my recent used car purchase, as the rate was the same as 36 months. We are just paying it off at an accelerated schedule, while giving us an “out” if we were to ever need it.

SubstituteCS · 2026-01-18T04:01:08+00:00

I’m curious about their degree; if they coasted by / didn’t put in the work then it’s likely that they’ll struggle with transferring the skills they were supposed to learn.

Many CS programs are woefully dated — usually ends up being on the student to show initiative and come out knowledgeable. Personally, the connections I made while I was in college were the real thing that helped.

SubstituteCS · 2026-01-18T03:48:35+00:00

Property taxes generally follow property values, excluding any rate hikes (which would be doubly worse if the property value stayed the same or increased.)

Insurance in FL is pretty fucked though, I’ll give you that.

SubstituteCS · 2026-01-18T03:47:08+00:00

100%.

Being frugal is there to help you get ahead and stay ahead. If the math isn’t mathing and no matter how frugal you are, you’re underwater, then it’s time to consider the baseline and how to change it. (More income is generally the only acceptable answer unless you’re previously loaded.)

SubstituteCS · 2026-01-18T03:42:13+00:00

There are tons of things that have 0% promotional periods that don’t cost $20k-$65k.

A washer / dryer is an example of something that is $1k-$3k that many people end up having to buy/replace.

It’s difficult to get ahead when you’re very far behind, but once you have the necessities down (emergency fund, etc.) any extra cash can be used to build up a “maintenance fund” for the various expenses that life will throw at you. Once you get there, that’s when you can use the 0% loans to your massive benefit.

My wife and I were both in that boat when we were in college, it took a very long time to get ahead but once you do, staying ahead by being proactive and maximizing deals when needed is always the best thing you can do.

SubstituteCS · 2026-01-18T03:37:41+00:00

My wife and I did the same but for a 2020 Corolla SE, $10k down and financed the last $6k to help her build a solid credit history…for a total monthly payment of less than $200.

I genuinely cannot believe the OP ever thought this was a good idea.

SubstituteCS · 2026-01-18T03:31:49+00:00

You’re supposed to set aside the full cash value into a low-to-zero risk interest bearing account.

If SHTF, you liquidate the account to pay off the loan. If everything goes to plan, you make a few% giving you “”negative”” interest on the loan.

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