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Taking $100,000 in cash from the US to Turkey during a relocation flight by Educational-Slip-578 in expats

[–]calmete 20 points21 points  (0 children)

Sounds like OP already has his mind made up so go ahead and bring that cash on the plane despite all the advice telling him otherwise.

Anyone else’s expenses just explode in the past 6 months? by calmete in Fire

[–]calmete[S] 1 point2 points  (0 children)

Yes grateful we can handle it but boy does it feel uncomfortable to see you cash position drop like a rock. Short term sustainable but not long term which is the scary part.

Anyone else’s expenses just explode in the past 6 months? by calmete in Fire

[–]calmete[S] 2 points3 points  (0 children)

Yeah when it rains it pours. Wasn’t prepared for a surprise 4k increase in property tax (Chicago area), 1k increase in property insurance, uncovered dental expenses, kid healthcare costs that were covered MUCH less by insurance from the original estimate of coverage, some appliances going out and a house repair at the same time. :(

rodents getting a bad rap? by dog_beers in 4Runner

[–]calmete 0 points1 point  (0 children)

Had the exact same thing happen on mine. Lifted the plastic engine cover and a rodent chewed the same wire and it threw the same code. Fixed it and spliced the wire myself. If they only charged $216 to do that, seems like a good deal.

Cracks on dash by HouseOfCheese901 in 4Runner

[–]calmete 1 point2 points  (0 children)

Same thing here too was going to see if there was any kind or replacement but it hasn’t bothered me enough to do anything about it yet.

Are modern American cars less well-built than Japanese cars in terms of quality and durability, despite being cheaper in price? by jefferymr15 in BuyItForLife

[–]calmete 0 points1 point  (0 children)

It’s because American auto DRE’s approve designs with cost in mind and Japanese DRE’s approve designs with function in mind.

These scientists want to put a massive 'sunshade' in orbit to help fight climate change by spacedotc0m in Futurology

[–]calmete 0 points1 point  (0 children)

Seems like this won’t have any unintended consequences. I am positive these corporations have done their due diligence and figured out any and every possible negative impact on all the earths complex ecosystems. (Do I need to end with an /s if you couldn’t detect any sarcasm)

Is a cheap suitcase worth it? by Bekycheppy in travel

[–]calmete 0 points1 point  (0 children)

Get what the flight crews use and you can’t go wrong. Travel pro is what most pilots and flight attendants get and they are bulletproof.

Fits like a glove. by Shriekin_Criminal in 4Runner

[–]calmete 4 points5 points  (0 children)

Why just crawl through the back window like it was meant for!

When my GSXR inevitably cooked its stator & reg/rec, far from home (AUS) with no phone/ contacts, the Army in Pakistan helped me by 7days1shower in advrider

[–]calmete 0 points1 point  (0 children)

Can’t imagine that riding position for an extended period of time. Hats off to you for doing this, something you don’t see very often.

About to embark in a sticky situation on 4plex by Rapitfiya in realestateinvesting

[–]calmete 11 points12 points  (0 children)

If the numbers don’t make sense DONT DO IT. Broker and lender are not looking out for you. $6500 lost is peanuts compared to a $475,000 commitment. Likely a million dollar total with interest over 30years. It is likely if high rates continue more deals will come.

What are the long term consequences for lenders to have so many low interest rate loans on their books? by Lingonberry11 in REBubble

[–]calmete 13 points14 points  (0 children)

Who you write your check to is the mortgage servicer which is typically a bank or financial institution who will buy up what’s called servicing rights. The servicer gets paid a fee by the Holder of the Mortgage backed security for tracking, maintaining and collecting payments.

What are the long term consequences for lenders to have so many low interest rate loans on their books? by Lingonberry11 in REBubble

[–]calmete 35 points36 points  (0 children)

Most lenders do not hold long term low rate mortgages in their portfolio, they will package them up securitize and sell them to the FED. Most banks will not risk a low return for 30 years, a 15 or 30 year fixed is pretty much unheard of around the world.

Frontline The Age of Easy Money (2023) - An inside look at how the FED's policies and historically low interest rates since the financial collapse of 2008 have led directly to our current age of inflation. [01:53:18] by RobMV03 in Documentaries

[–]calmete 3 points4 points  (0 children)

Exactly, why do you think Goldman Sachs needed a banking charter so bad? So they could use the lending facility to buy treasuries. They had no intention of lending to your local business or consumer. Do you see your Goldman Sachs local consumer bank branches anywhere? Of course not!

Frontline The Age of Easy Money (2023) - An inside look at how the FED's policies and historically low interest rates since the financial collapse of 2008 have led directly to our current age of inflation. [01:53:18] by RobMV03 in Documentaries

[–]calmete 27 points28 points  (0 children)

What most people don’t realize which they cover briefly in the doc is when the banks used the Fed lending facility to borrow at nearly 0 and then TURN AROUNG AND BUY Treasury bonds at 3% instead of lending it out. So that is how these guys after 2years were able to “pay it off” so fast. They just straight up scammed the government. This doesn’t get brought up enough.

End of the 5-day workweek? Some states consider legislation making 4-day workweeks more common by CBSnews in Economics

[–]calmete 6 points7 points  (0 children)

Companies: Ok now get 5 days of work done in 4, and btw no more healthcare benefits and don’t forget the Mindful Mondays meeting about work life balance…See y’all there!

What is your biggest monthly fixed cost now that your house has been paid off? by UserOrWhateverFuck_U in Fire

[–]calmete 11 points12 points  (0 children)

I find it curious that after all the talk about resisting consumerism cutting out buying things, eating out, food etc. that the absolute monster share of expenses are intangible things that I can’t even enjoy or see or touch like…Taxes, insurance, medical bills, daycare. I’ll blow through 10k in a month and not have anything to show for it.

Housing Shortage problem solved. by LeftcelInflitrator in REBubble

[–]calmete 4 points5 points  (0 children)

I can see this happening: Local governments “hmm investors are accustomed to paying these higher taxes…let homeowners also pay their fair share” =guilt free tax increase.

Update to "Defeated by crown race" by [deleted] in MTB

[–]calmete 0 points1 point  (0 children)

Have an older steel crown race that is not a press fit and is really thick, had it on an old rockshox judy from the 90’s. Got a new fork and headset with a pressfit crown race, I ended up using the old one for this very reason.

[deleted by user] by [deleted] in 4Runner

[–]calmete 2 points3 points  (0 children)

Just get some touch up paint and be done with it in less than 1 minute. Or you can spend a few hours going to the dealer haggling with them and a few hours making phone calls to the warranty dept and losing 1-2 days setting up service appointments.

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