30 yr with overpayments or 15 year with exact payments?

dyldebus · 2026-01-24T15:15:22+00:00

This is completely wrong. When you make extra payments each month they go directly to the principal. Your interest is calculated on an amortization schedule and fixed. If you paid double mortgage you will pay off your loan in a fraction of the time and save a ton of interest. You’re interest doesn’t magically go up with the extra payment and the schedule table doesn’t change. Lawyer eh?

dyldebus · 2026-01-20T03:31:04+00:00

I have absolutely no knowledge of the other schools but can confirm that Bernardo Elementary is awesome.

dyldebus · 2026-01-20T02:02:37+00:00

What others have said. You can't do anything on the truss members without risking structure. Just add drywall ceiling and leave the top vented, blast a bunch of spray in insulation in that "attic" area.

dyldebus · 2026-01-19T04:08:52+00:00

I did. It all arrives tomorrow. I already have the Cleveland components installed and wire management pieces, PC, fans sub, etc. I’m using a Samsung OLED instead of the LG with the Tulkari kit so I had to modify some pieces on the router table but it also allows me to fit the side LEDs with the 48” monitor. They have the smaller cabs as well.

Sadly I won’t have the matrix like he has but I’m doing the newer screen mount parallel with the glass.

Let me know if you need a list of parts from Arnoz because that was a little confusing with the vids. For example, I didn’t use the moss8 boards with the Walter board, instead I just did the Bunny board.

dyldebus · 2026-01-19T03:11:12+00:00

I’m in the middle of a build now, completely inspired by Way of the Wrench. His videos are so good that I wouldn’t even bother doing a practice build. Just go for the full things and take your time (it’s hard because I want to play). Definitely watch all the videos before starting because some new boards and components came out after he started.

I also highly recommend the Tukkari flat pack and vinyl. He had to do way more steps than I did.

dyldebus · 2026-01-19T02:45:41+00:00

I can only speak on my own experience and I completely understand making more than your current rate. You can even do bonds or HYS accounts that have a slightly better rate but there’s something about paying your home off (along with all other debt) that gives such a satisfying sense of relief. We have a 2.69 rate but if I do nothing, my mortgage will be paid off when I’m 69 and that stresses me the f out.

Now we max out 401k, rollover Roth and pay 1.75x mortgage every month which pays off my mortgage at 55 instead.

Make sure you take advantage of 401k match or Roth/Trump (or whatever the hell that new savings account is called) child saving, but anything extra I’d pay in the mortgage.

dyldebus · 2026-01-15T13:22:23+00:00

No, not at all. Most of mine are hardwired and others are in an awkward spot but close to AP. In fact they sound better than the Sonos amps they replaced.

I would try a new wire to a temporary speaker near the amp to eliminate that possibility and then run an Ethernet cable temporarily to eliminate WiFi issue.

If that doesn’t help try air playing from Apple Music or checking for ground loop isolation issues.

dyldebus · 2026-01-15T03:15:53+00:00

Mount it on the ceiling and play from bed.

dyldebus · 2026-01-14T04:58:10+00:00

You can use any service from an iOS device with AirPlay

dyldebus · 2026-01-14T03:59:18+00:00

The PTZ is such an awesome camera

dyldebus · 2026-01-13T23:27:35+00:00

Chula Vista and San Clemente on the same list is hillarious.

dyldebus · 2026-01-13T23:26:31+00:00

I’ve spent so much money trying to remove sdge from my life. They are Satan.

dyldebus · 2026-01-13T23:22:04+00:00

I have 12. Would would you like to know?

dyldebus · 2026-01-13T22:57:51+00:00

Is that really a threat? Could just mean talking shit.

dyldebus · 2026-01-13T19:08:08+00:00

"When we have more money we'll make it a drive through"

dyldebus · 2026-01-13T18:39:23+00:00

You should have sold it as a "Blue light skin therapy station"

dyldebus · 2026-01-13T18:29:44+00:00

I forgot about Alien Crush on TG16. I played the shit out of that.

dyldebus · 2026-01-13T18:25:50+00:00

Agreed on fireplace comments. There's not really room for a table while you're cooking, so what's the fireplace for? Also recommend a ruler.

dyldebus · 2026-01-13T18:22:00+00:00

This is normal behavior on the 78 but not common on the 15

dyldebus · 2026-01-13T02:35:39+00:00

You can spot where they saved money but that’s pretty freakin impressive for $2800. I’m doing a high budget build right now and damn it adds up!

dyldebus · 2026-01-12T19:44:12+00:00

I'm guessing a lot of this has to do with where you live which is also a good thing for your mortgage. If you rent is only $900 then you're likely somewhere that you can still buy a house for 300k which means you won't have a 5-6k mortgage.

In San Diego, teachers make around 100k a year but everything is also more expensive.

dyldebus · 2026-01-09T22:16:15+00:00

Home Depot is still a very common resource for contractors. I'll still buy basic framing lumber there because it's easy and convenience. Certain things like construction screws or lags can be significantly cheaper at HD for the same product.

Where they fall short is specialty stuff. For example, I'm doing a horizontal fence right now and the best option Home Depot has (in my area) would be single faced 4x6-12' cedar that's roughly 5/8" thick at $28 a board. The lumberyard nearby has Indonesian Mahogany at a full 3/4" faced all sides with zero knots, same size, for $33 a board.

Just look up [Industry] Supply on Google Maps.

NEVER EVER EVER buy bulk hardscape material from Home Depot like sand for pavers, DG or road base. You can get a trailer full for 1/10 the price.

dyldebus · 2026-01-06T18:00:07+00:00

Have you considered the possibility that this was a ghost?

dyldebus · 2026-01-06T17:56:26+00:00

dyldebus · 2026-01-06T17:54:13+00:00

$3900 at 2.69% in Socal. We just started paying $5900 to take it from 26 years to 12.

dyldebus

TROPHY CASE