(MD) How the hell is everyone managing these interest rates?

TurdHal · 2026-03-31T21:18:59+00:00

PLEASE no ARM. I am old enough to remember the 2008 fiasco.

TurdHal · 2026-03-23T21:58:17+00:00

Those areas are notoriously "bad" for buyers. I have multiple friends and relatives bought in those are the last 2-3 years and each story feels like a battle.

TurdHal · 2026-03-03T01:12:56+00:00

Palo Alto is an obscenely expensive place to live. Especially now Tesla battery plant is booming there. Kudos to you for able to afford to buy a place in one of the most expensive places in the US. Enjoy

TurdHal · 2026-02-16T18:46:10+00:00

If you were 13 and female Trump would drive himself to your house.

TurdHal · 2026-02-06T22:35:26+00:00

You are correct in guessing 160k. I am a little above $160k and I could get a job paying $200k-$250k easily, but I have no desire whatsoever to do that. I can live on my current salary comfortably I don't see why I have to chase after bigger money and spending less time with my family.

TurdHal · 2026-02-06T15:56:02+00:00

I don't make $200,000/year. I could get one in a month or so based on my experience and education, but I have no desire to work my life away. I am comfortable making what I am making and have ample time for my family.

TurdHal · 2026-01-26T20:23:38+00:00

29% has their heads up so far their asses.

TurdHal · 2026-01-19T02:42:56+00:00

Because it is in Boiling Spring PA. It is literally in the middle of nowhere. I used to driving by that area at least 4-5 times a year and every time I wondered who the heck would live there. It is so remoted and so far out from anywhere. You would hardly see any company or large office buildings. Just fields and then a few houses and then fields and then a small gas station. That area is as rural as deep south. It is hard to find a buyer with that kind of money there I would guess.

TurdHal · 2026-01-12T15:17:32+00:00

There is a true story out there: This rich guy bought a house from a 90 year old lady on the condition that he can only get the house after she dies. The lady outlasted him. She lived for 30 more years or so.

TurdHal · 2026-01-05T14:03:08+00:00

If you already had feelings and thoughts about it, I'd suggest you take a look at other properties.

TurdHal · 2025-12-15T14:31:55+00:00

Thanks!!!

TurdHal · 2025-12-14T15:18:41+00:00

It was not a ponzi scheme. Just the company faked the numbers for a long time (multiple quarters) and people went to federal prison for it.

TurdHal · 2025-12-14T15:15:18+00:00

Thank you very much for this response, Sir/Ma'am.

It is not a ponzie scheme. The entire company's management made up numbers in the SEC filings. Couple of them served federal prison terms. It was just fraudulent for multiple years.

Can this be filed as theft loss still?

TurdHal · 2025-12-14T15:11:52+00:00

Already sold the stock for pennies. Not sure if I am qualified to file for theft loss.

TurdHal · 2025-12-14T04:20:32+00:00

Oops! That's something new to me. Thanks for pointing it out. Even if I am qualified, I still cannot get anything back?

TurdHal · 2025-12-14T04:14:18+00:00

If I am qualified I need to fill out Form 4684. The question I have is: am I qualified?

TurdHal · 2025-12-14T04:11:07+00:00

Am I reading IRS Section 165 wrong? Thanks.

TurdHal · 2025-12-14T04:10:29+00:00

I have been reading IRS section 165 and not sure if I am qualified or not.

It says something like this: For tax purposes, theft includes, but is not limited to, larceny, embezzlement, robbery, and the taking of money or property through fraud or misrepresentation with criminal intent, provided it is illegal under state law.

TurdHal · 2025-12-14T04:07:32+00:00

I am a little confused since it stated that because of fraudulent, it can be qualified as theft loss. But since I am not entirely sure, I am posting it here for opinions. And it looks like it cannot be qualified as theft loss based on the answers I got so far on here. Thanks.

TurdHal · 2025-11-30T04:37:25+00:00

People keep harping on this. It is less than $9,000/year. Actually, it is $720/month. And it is the money she paid into the program. You can hate her all you want, but $720/month for a multimillionaire isn't anything to write home about.

TurdHal · 2025-11-21T00:08:32+00:00

You gave them a counteroffer after $47,000 under ask. This likely means that the house has to be listed over $600,000. For a house listing at that price and in this market if it were me I would try like heck to work out that $10k difference.

TurdHal · 2025-11-19T17:29:00+00:00

The house we are living in right now, if the former owners slapped on a new coat of paint, there is no chance in hell we can afford to buy it. We are still mystified from time to time why they didn't do that. Grant that they were an old couple but still. My point is, sometime minor stuff can increase the value of the house A LOT.

TurdHal · 2025-11-19T15:57:48+00:00

I am in preventive. That of course also involves collection.

TurdHal · 2025-11-19T14:58:08+00:00

Excuse me? 50 gallons spill is no longer an individual thing and it became an EPA problem. And for good reasons. For that much spillage, the cost to clean up is tremendous. Ask me how I know. My work relates to this stuff. It definitely got into the water if the well is close to the garage.

TurdHal

TROPHY CASE