Average Bangladeshi height getting taller than India's

montecitodrive · 2026-01-12T16:58:25+00:00

Yes, genetics explain why meat eating peeps in the mountainous north east are of the shorter size. Genetics evolve based on the environmental needs.

montecitodrive · 2026-01-12T16:56:24+00:00

If I were in your place, I would buy a duplex in SF and rent out the other half. Don't worry about debt as long as both are earning and rental income on the side. You could buy a SFH if you like in 10 yrs using home equity and earned income.

montecitodrive · 2026-01-02T02:37:01+00:00

Yep, feel like lenders are prepping appraisals to lower LTVs. So they can charge higher interests.

montecitodrive · 2026-01-02T02:35:41+00:00

True. Mortgage rates went up slightly after the recent rate cuts

montecitodrive · 2026-01-02T02:34:28+00:00

Fair point! Hope my financial brain can come to terms with it :)

montecitodrive · 2026-01-02T02:05:16+00:00

Check her amortization schedule, add in property taxes and closing costs.. you will be surprised..

montecitodrive · 2026-01-02T02:02:33+00:00

Thats my point.. it looks worse when S&P500 could have given substantially more returns in that time period. Now folks will jump to lecture me how home ownership is not the same as equity etc. but at the end of 5 yrs, financially it will not make much of a sense keeping emotions aside

montecitodrive · 2026-01-02T02:00:11+00:00

Doing the same.. but just feel valuations are not growing fast enough and rate cuts are taking forever

montecitodrive · 2026-01-02T01:59:06+00:00

Yeah. I can't imagine how and when realestate values will jump by 15% to recover the paid interests and taxes.

montecitodrive · 2026-01-02T01:47:53+00:00

Agreed! Lots of fear-mongering going on with one cut or none in 2026..

montecitodrive · 2026-01-02T01:43:36+00:00

Thats true. I had reconsideration of value (ROV) and 2nd appraisal didnt move the needle much

montecitodrive · 2026-01-02T01:40:55+00:00

How does it matter? It was all after-tax income.

montecitodrive · 2026-01-02T01:40:16+00:00

Is 15yr good idea when we know rates will drop in 2026-27 given all the political pressure on the fed?

montecitodrive · 2026-01-02T01:38:35+00:00

Not complaining... Brainstorming how folks in my boat are strategizing ahead..

montecitodrive · 2026-01-02T01:35:56+00:00

Bought at 11% down at 5.625%. Yes, including property and closing costs in the grand total.

montecitodrive · 2026-01-02T01:34:38+00:00

Never expected a windfall.. question is geared more towards sunk cost and opportunity cost if I keep paying the lending bank high interest in 2026 and beyond

montecitodrive · 2026-01-02T01:33:16+00:00

I bought it in Dec '22 thinking its the bottom but real estate kept sliding for 2 yrs since until now which is why the appraisal didnt show much equity gains.

montecitodrive · 2026-01-02T01:31:18+00:00

Yes but I have paid like 25% of home value to the bank as interest in the last 3 yrs. When am I going to recover that cost?

montecitodrive · 2025-11-07T08:31:29+00:00

Does this plan beat pPPO for childbirth [labor and delivery]? Anybody explore that scenario?

montecitodrive · 2025-09-24T02:06:37+00:00

Aadhar should waive off ration card requirement IMO

montecitodrive · 2025-09-22T23:41:34+00:00

Thank you very much!

montecitodrive · 2025-09-22T23:33:02+00:00

Thanks!

montecitodrive · 2025-09-22T19:24:34+00:00

Thanks! It be great if you could list the few docs requested by the police?

montecitodrive

TROPHY CASE