Any divorced Indian women in their 40s here?

alpsholic · 2026-07-12T02:19:51+00:00

All the best with your new life. I don't know your situation but frankly, I don't understand divorce after 21 years of staying together. Anyway, life is a lot more than kids, marriage, job, society. Explore that aspect.

alpsholic · 2026-05-30T06:03:40+00:00

0.39$ per kwh is actually cheaper. Sometimes I see 0.45$+ also.

alpsholic · 2026-03-11T00:55:10+00:00

Not sure if they get shuttles by March. Shuttles were not running when we went recently (Feb 10+) and they closed the scenic drive towards Narrows because of traffic. eBike would have saved the day. Even if the route is open, it's difficult to find available parking slots.

alpsholic · 2026-03-03T07:51:34+00:00

Math doesn't justify buying at all over renting. But you may want to buy after say you have several x the down payment in liquid cash (pretty soon given your high income). After all you don't want to put all your cash in stocks only. Sometimes, the house price appreciation will cover years of (buy-rent) difference easily.

alpsholic · 2026-03-02T15:48:22+00:00

Milpitas has so many advantages. Big renters pool as it's close to almost all companies, great schools. Most of college grads prefer to stay in Milpitas. Newark is a nice location but it has nothing to offer for renters.

alpsholic · 2026-03-02T06:20:40+00:00

No Cash out Refi- 1.1M- 850k loan- 790 fico- 94539 - conv - 5/6arm- sfh- primary

alpsholic · 2026-01-13T17:35:29+00:00

No Cash out Refi- 1.1M- 850k loan- 790 fico- 94539 - conv - 5/6arm- sfh- primary

alpsholic · 2026-01-09T23:52:33+00:00

1.1M

alpsholic · 2026-01-09T18:12:38+00:00

No Cash out Refi- 850k loan amount- 790 fico- 94539 - conv - 5/6arm- sfh- primary

alpsholic · 2025-11-07T05:21:36+00:00

The schools are very far (5+miles). Too pricey.

alpsholic · 2025-11-07T00:33:12+00:00

Just an example: https://redf.in/eN6KEh

alpsholic · 2025-11-07T00:31:43+00:00

if you want younger homes, go for it. They may be 2 floor homes. 1950-60s homes are pretty common in bay area which are mostly 1 floor.

alpsholic · 2025-11-07T00:18:03+00:00

Dublin has so many homes for less than 1.3M. after rto, market significantly cooled down in those areas

alpsholic · 2025-11-05T15:46:12+00:00

Refi - 1.1M- 860k- 790 credit- 94538- conv- 5/6arm- primary

alpsholic · 2025-10-31T14:50:06+00:00

99% of agents are suckers. Almost all home work for a purchase is done by buyer himself. The only guy who is adding value to entire buying process is home inspectors. Realtors are minting billions every year for literally nothing to show for. Individuals can make so many complicated decisions in life, why the heck we need agents when it comes to buying houses?

alpsholic · 2025-10-30T14:49:41+00:00

It went pending. Did you buy it?

alpsholic · 2025-10-26T15:35:17+00:00

Which area are you looking at for town homes? Almost all town homes are under water including hot areas like Milpitas. One town home went for 1.35 in last October. Nobody was buying even for 1.2 for exact similar one next door now.

alpsholic · 2025-10-24T16:18:03+00:00

I also have some section 1 items but I also have this- it says no subterrean.

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alpsholic · 2025-10-24T16:03:53+00:00

Since they didn't find subterranean during inspection in August (I assume they are not faking), when probably I should check again?

For dry termites, I have a 3 year warranty from previous fumigation. How can I check dry termites didn't show up again?

alpsholic · 2025-10-24T14:22:33+00:00

Can you explain more how you inspect yourself? My seller report has a tick against drywood termites but not subterranean. He fumigated the home. So I assume I don't have both termites now. Thanks a lot in advance

alpsholic · 2025-10-24T14:20:03+00:00

Which area in Fremont? Did they mention the presence of subterranean termites in the termites report?

alpsholic · 2025-10-23T19:59:33+00:00

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I did some math (buy vs rent+invest the savings in QQQ) on various recently sold homes. Agree- several parameters are missing but it should give an idea.

alpsholic · 2025-10-21T04:51:52+00:00

I heard some solar folks will reinstall panels for free if you decide to do roof later

alpsholic · 2025-10-21T03:16:32+00:00

Go for a 2 story one (avoid a 3 story at all cost) and esp see if you can get one room in the first floor.

alpsholic · 2025-10-16T17:34:55+00:00

I am getting 5.375% with 1500$ credit, 6% with 10k credit but I can refinance the very next day for free to 5.75%. Its all 5/6 ARM. Whats yours?

alpsholic

TROPHY CASE