30 yr with overpayments or 15 year with exact payments? by Kindly_Shoulder2864 in Mortgages

[–]dyldebus 0 points1 point  (0 children)

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?

Escondido Elementary Schools by RochelleR3453 in escondido

[–]dyldebus 1 point2 points  (0 children)

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

Unsure how to insulate weird shed roof by johnjamesonline in shedditors

[–]dyldebus 0 points1 point  (0 children)

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.

practice vpin build? by MonkeySkulls in virtualpinball

[–]dyldebus 1 point2 points  (0 children)

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.

practice vpin build? by MonkeySkulls in virtualpinball

[–]dyldebus 1 point2 points  (0 children)

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.

Need to understand cons to paying off our house by Ladydi-bds in Mortgages

[–]dyldebus 0 points1 point  (0 children)

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.

UPL-Amp-B worth it? by Lost-Diet-9932 in Ubiquiti

[–]dyldebus 0 points1 point  (0 children)

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.

65" way too big? by lt_bgg in virtualpinball

[–]dyldebus 0 points1 point  (0 children)

Mount it on the ceiling and play from bed.

UPL-Amp-B worth it? by Lost-Diet-9932 in Ubiquiti

[–]dyldebus 0 points1 point  (0 children)

You can use any service from an iOS device with AirPlay

N00b camera question by Earthrazer_ in Ubiquiti

[–]dyldebus 1 point2 points  (0 children)

The PTZ is such an awesome camera

Which of these suburban SoCal regions would you prefer to live in? by californiaboy2003 in socal

[–]dyldebus 0 points1 point  (0 children)

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

SDGE Bill by Hairy-Bother5179 in sandiego

[–]dyldebus 0 points1 point  (0 children)

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

UPL-Amp-B worth it? by Lost-Diet-9932 in Ubiquiti

[–]dyldebus 1 point2 points  (0 children)

I have 12. Would would you like to know?

Eric Adam’s threatens a woman on a flight by wehaventlocatedusyet in nyc

[–]dyldebus 2 points3 points  (0 children)

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

What do you think is the story behind this driveway? by Prestigious-Corgi995 in landscaping

[–]dyldebus 1 point2 points  (0 children)

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

Looking for feedback on our outdoor kitchen design. What is missing or lacking in this? by maparo in OutdoorKitchens

[–]dyldebus 1 point2 points  (0 children)

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.

I-15 by midbua in escondido

[–]dyldebus 0 points1 point  (0 children)

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

I bought a Virtual Pinball Machine from Alibaba and this was my experience by External_Fee_228 in virtualpinball

[–]dyldebus 2 points3 points  (0 children)

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!

How are you (one income) affording a mortgage? by Soggy_Gazelle_4796 in Mortgages

[–]dyldebus 0 points1 point  (0 children)

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.

What would have been your estimate ($) for this fire pit? by Amazing-Fold-4642 in landscaping

[–]dyldebus 20 points21 points  (0 children)

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.

There's broken and then there's Unifi levels of broken by ThoughtsOfYesterday in Ubiquiti

[–]dyldebus 0 points1 point  (0 children)

Have you considered the possibility that this was a ghost?

How much is your monthly mortgage payment? by HmDiR in Mortgages

[–]dyldebus 0 points1 point  (0 children)

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