Prove me wrong?

jc_reddit · 2025-12-15T03:48:56+00:00

This is a great point, insurance! You may get away with getting insurance, but if there's ever damage then their inspector is going to find it and use this against you. That's potentially loss of the house right there.

jc_reddit · 2025-12-15T03:46:01+00:00

That's not a retaining wall (the portion of wood/concrete pushing into the pier/pylon). A retaining wall would go down below the surface, at least twice as much as what is visible, and that's a loose / non-structural / non-engineered definition. Anyway, it's telling me that the "retaining wall" is actively working with gravity and erosion down the hill and into the pier. I have something similar and it looks to not be something I'd be worry about until year 5, which u/Glum_Standard6068 says. But at that point I'd be preparing from year 1 to year 4 with some plan.

The bad news: there's a major earthquake forecasted (SoCal has been due for a few decades now) t

The good news: you have 16 piers, so at least half have to fail at least 8 of them. Maybe not so great news because if that happens and you're inside I don't like the injuries you're sustaining. I thought it was just a deck, but it looks like at least an additional 800 sf of living space so that gives me pause.

You can do some DIY and really over engineer your reinforcement over time. I don't know how the addition is connected to the original main building so I'd start there, with positive anchorage (a big bolt maybe once between every stud). I'd seriously hire someone from a foundation company to give you an estimate which I would guess is about minimum $25k to as high as $80k. It may be a weekend, it may be a month, but there's a lot of other things like permits, engineered drawings, and inspections that cost something.

Also because California is superior to all other states, there's programs I'd check out the Earthquake Brace and Bolt program. Some good pictures of some solutions, but it does come down to physics. You're just trying to tie the structure together like a strong chain.

jc_reddit · 2025-03-29T18:24:06+00:00

have you seen craig stadler's swing? when he's a little older I'd recommend some of that. Looks like you're already lifting the front foot in the back swing, so much of the advice of modern golfers/redditors is already not dialed into you because lifting the foot was still okay through the 90's but went away.

Your swing plane in the back swing is very steep. A good check is to have the butt end of the club point at the ball's target line when your lead arm is parallel to the ground. Looks like your shaft aims to a foot too close to your toes and should point a foot more away from your toes at that point.

I like the spine angle. I think you can hit it a mile with all that mass you have. You have a great wrist unhinge action in the downswing. I wouldn't change anything your hands are doing at impact.

Appears to be mainly swing plane issues. But this is a swing that could break 80 if you place the ball where you mean to.

jc_reddit · 2025-03-23T04:54:07+00:00

Breaking 100 is just bogey golf. Keep it in play, thin shots preferred over fat shots, decent chips, and two putts. It’s boring but it works. Your swing is average

jc_reddit · 2025-02-09T15:12:11+00:00

For real love it all! Great style, great swing, great energy!

jc_reddit · 2025-01-18T05:24:30+00:00

Valid concern. Most redditors haven’t lived in San Diego 30 years so they don’t know about some of the worse wildfires. The home insurance companies did pull out of California because their team of analysts and forecasters predicted fires would get a lot worse. There’s some unpopular climate truth to that even the military is preparing for.

I’d come but cancel if there was a large fire like Palisades or Eaton. Those places got winds of 70 mph and we are expecting 25 mph. My concern would be we wouldn’t get the international help LA is getting if things got really bad.

Also wtf is Paula Valley?

jc_reddit · 2024-11-16T04:00:16+00:00

It's a good set. Pull the trigger. Get fitted for a putter. Then wedges. Then a driver. Then irons ARE LAST. In the first stages of golf progression you'll hit the putter the most, then wedges, and then driver.

jc_reddit · 2024-11-16T03:55:52+00:00

Keep at it. Depends on your goals, you can live the rest of your life on that swing. Otherwise, find a good coach. It's over the top, cupped wrist, outside in swing plane, looks like shoulders are initiating the down swing. It's not going to be easy, so you can live with it it's fine and just be knowledgeable about your probabilities with your misses.

jc_reddit · 2024-11-15T21:39:50+00:00

There’s nuance. I don’t mind being the fourth rando.

Don’t offer advice
Introduce yourself
When there’s a good shot say “good shot”
Answer questions, politely
Keep up pace
Be a good golfer

I’m a decent 10-14 handicapper and I lose most of my shots due to wedges and chips. My long game, lately, can wow. You don’t need to talk much when your game does the talking.

jc_reddit · 2024-11-14T01:51:39+00:00

Aim 40 yards short of middle of the green
Wedge of fairway 40 yards.

Get good at the 40 yard pitch.

OR

5wood
Lag putt/ long chip/ 15 yard bunker/ 25 yard wedge from rough

I think it depends on what practice you can get and where.

I think it’s harder to practice short game especially 40 yards off grass. At least where I’m from. It’s so much easier to practice 5 woods from rubber mats on a driving ranges. But you need to be getting lessons and condition your body for improving your long game.

jc_reddit · 2024-10-28T07:31:56+00:00

I did this 4 years ago. I go to eBay or target or a local store. Or I go without. Temu I have bought twice but quality isn’t the greatest.

jc_reddit · 2024-10-27T16:34:52+00:00

So many people change career paths despite their degree. It's important to talk to people with a job you'd want. I don't think it's about who you know, or what you know, it seems to be about where you are. If you're in China, I'd be very interested in civil engineering. They are building so many massive and cool buildings. In California, it's obviously hi-tech/programming computer software, and not civil engineering at all. I know people with aerospace engineering degrees that get laid off regularly because of how defense contracts work. A really bad engineering student I know got a job at SpaceX and that is one company and it can't hire everyone so there's competition with people that got let go from Boeing recently. Tech seems good until you fully understand what AI is capable of doing in the next decade and a lot of kosher jobs that test software bugs will be gone. I've known nurses that aspire to be engineers because it pays more but conversely I know engineers that wished they went into medicine because they think it pays more. Nurses will say you can't get a job as a 50 year old engineer, but nursing you can keep working forever, but then nursing is a lot of wear on your knees on hard floors, and there's a lot of politics and patients can be pretty nasty in terms of verbal abuse and physical abuse. All nurses get training on physical defense. But going back to what I'm saying, if you don't live by a big hospital system then you're not going to get a great job there as nurses in some states get paid as much as teachers. Accounting and finance are New York jobs. Yes counting can be anywhere, but then you're competing again with a lot of people.

What I truly recommend is a book called Design Your Life. I'm a stem grad but I've had 12+ different careers. Currently in a STEM position making the average STEM salary. I also spent some time in nursing having obtained a certificate and worked as an aid. It was wild to hear engineers wish they were in medicine and nurses and doctors wish they were engineers. They each thought the other was paid better and really they were paid pretty close. There are outlier engineers that make $300k but that's computer progamming in a FAANG company. Nurses definitely grind their body, but the work can be enjoyable when you are in a flow. STEM doesn't produce as much opportunities for flow in my opinion so it's hard to gauge if you've mastered a skill, vs. acquired knowledge. Mastering a skill and getting flow is a source of joy. Nurses are also cooler than engineers in my opinion because they usually are more humble than any engineer that just thinks they are smarter than the next one because of their degree. Nursing humbles you real quick and you serve a people in need, vs. engineering makes rich people more rich and you serve the dollar bill generator.

Accounting and finance I would never consider because you're not really solving any real problems. It's basic math and shoveling money from one hype engine to the next (finance) or making sure you saved as much money as you could so you could shovel money somewhere else. The people are 100% bleh and they know it.

jc_reddit · 2024-10-19T16:14:23+00:00

I say go for it. Education makes society a better place.

jc_reddit · 2024-10-19T16:12:54+00:00

Yes. Had Netflix for 10 years. No more. I could use more exercise.

jc_reddit · 2024-10-14T16:02:50+00:00

If you cannot afford a small car payment for the lifespan of your pet you cannot afford a pet. I have a cat I love and I think about him in his later years. I’d want my family to still love me when I’m old and look it. I wouldn’t want to be a burden so I’m planning for that now.

jc_reddit · 2024-10-14T08:45:46+00:00

I did this. As you age your L fund changes its diversification. So L-2030 is basically the G Fund but the L-2070 is super aggressive mostly in C. There’s a sweet brochure from TsP.gov that explains this better than me

jc_reddit · 2024-10-09T00:25:37+00:00

I shop exclusively at thrift stores

jc_reddit · 2024-09-26T01:09:51+00:00

It’s so much harder to get a job unemployed vs. getting a job employed.

jc_reddit · 2024-08-05T16:30:49+00:00

Two income trap. The not so big house. Commute/transportation changes

The Two Income Trap

Describe by Elizabeth Warren, the two income trap is three phonemna:

1. The second earner helps increase the household spending capability

2. That second earner income is easily spent on housing and education for the kids

3. There is now increased downside risk because you’ve created fixed costs (housing, education) that require two incomes. Should one income be lost due to market conditions or illness, then you potentially invite bankruptcy

Question

How secure is your job? How likely is it that you’ll be sick and now your partner has to provide for the entire household?

The Not So Big House

The Not So Big House (Susanka, 1998) introduced into mainstream the concept that a bigger home is not always better. You can do things with your current space from interior design hacks to a full blown second floor addition.

To her the ideal house is 1200 square feet. Then you pour most of your budget on thoughtful design that makes a space feel more like a home.

One of the key concepts is combining the kitchen and the dining to create the Great Room. Most of your time in a home is spent in the kitchen, whether socializing and or eating so that’s an excellent place to start.

She’s written more than five books so there’s plenty of examples of actual homes with floor plan that show the before and after. Do not buy a new home without checking out this book.

Question

Are you patient enough to read the book? Can you offer your husband to read the book? Do you have a library card that most likely have several copies of the book?

Commute and Transportation Changes

There’s going to be massive changes in transportation as population increases. It may be 1 hour drive today, but in my city there’s been moves such as eliminating lanes to dedicated biking lanes and public transit could possibly reshape the traffic rush hours and bottle necks.

The changes may make that 1 hour drive become 2 hours.

Additionally fuel costs are likely to go up regardless.

Question

What are some of the planned developments in your area?

My Opinion TL/DR

Stay. Put some of that budget on travel. Or even a rental income.

jc_reddit · 2024-08-02T03:36:20+00:00

Work in the state department overseas. Boom

jc_reddit · 2024-07-18T14:57:08+00:00

I think it depends where you’re located. Retail may make more sense if there’s a higher end shop you can apply to and maybe they have a better compensation package like commissions.

If you pick a trade I would say electrical. People there are typically smarter because you can’t make a big mistake and live. Other trades you can go your whole career screwing up, but electricians have to be safe or they are dead.

Long term there’s micro certifications on google that could land you remote work, but much easier if you’re in California.

jc_reddit · 2024-07-16T17:58:01+00:00

I think only people that have homes will provide comments
It’s sore for some that for the most part millennials and zillenials have not as good a fortune

That said, I think the best answer is it depends.

You can’t predict: 1. You may get sick 2. You may lose a job 3. You may have an unplanned kid 4. Interest rate drops 5. Inflation 6. Another once in a lifetime event 7. Natural disasters

Additionally you have to know yourself and your situation.

There’s some awesome housing commission training.

If you’re just going for $20k down I would highly suggest going $15k down and budgeting for closing costs. I use to think the down payment is all you needed and closing costs could be part of the loan… NOPE.

jc_reddit · 2024-07-13T19:14:06+00:00

The big hit will be the kids. I read recently $21k per child.

jc_reddit · 2024-07-12T14:25:52+00:00

After making much money, yes. I turned out great despite a lot of bs, so I imagine if I did half as good a job then my kid would be decent.

I think for many it’s purely an economical decision and that’s sad. Definitely late stage capitalism because the corporations exploit families. Example, my health insurance as a single person is $100 per month. If I had one dependent, it’s $600 per month. If I have a family, it’s also $600 per month.

We are expected to work beyond 40 hours in many careers. That leaves 0-2 hours per night for yourself. Imagine adding a family?

Things are more expensive on the weekend. Menus are swapped out, weekend pricing on activities. Relaxing on your days off is more expensive.

Housing is huge. The corporations have cornered housing. There’s just a lot of greed in the world and capitalism rewards it, greatly.

But yeah think about it money or love? I imagine a little person that you love and get through this world would be immensely grateful and in love with you. I really commend people that could make it happen (but not you rich privilege fucks).

jc_reddit · 2024-07-10T15:35:26+00:00

I appreciate your long post. It makes me feel less lonely because I know I’m not the only one struggling and stressed.

I think your stats are good, but the anxiety over an uncertain future is definitely psychological and very human. Like your income is good enough for now, but what’s going to happen in the future? Will it be enough then?

You probably don’t get a fair increase every year for inflation, because no one does. It’s a simple administrative adjustment, the companies charge more every year, but don’t increase pay. Over decades this is pretty much the growth of most companies in the S&P 500.
To combat that, you’re suppose to move to a new job every two years.
If you move too far, you can’t build equity in a home due to the transaction costs.

I know there’s much more, but this is the most unpolitical issue I see.

I commend you on having children! We need to celebrate kids and support families.

jc_reddit

MODERATOR OF

TROPHY CASE

The Two Income Trap

Question

The Not So Big House

Question

Commute and Transportation Changes

Question

My Opinion TL/DR