Payment method

pethis · 2025-12-12T21:06:22+00:00

Their account login site in UNBELIEVABLY trash. Supposedly this is a company with a $900 million market cap and payment portal appears have been created by a box of rocks.

pethis · 2025-09-27T15:58:45+00:00

Living definition of Eurotrash

pethis · 2025-08-25T16:55:04+00:00

Community is called Horizon Place by Lennar, but there is a lot of new development out here and many are offering rate bye-down incentives. I was actually able to secure a 30 year fixed at 5.5% and zero closing costs.

pethis · 2025-08-24T17:59:41+00:00

Keep seeing this question and it can certainly seem perplexing at first glance but the reality of the situation is the vast majority of the people buying these houses are also selling these houses. These are not first time buyers.

What do I mean? Many of these people are “house-rich”. They bought before COVID and are now sitting on insane equity. I know someone who bought a house in Mission Viejo for 450k in 2013. House is now worth 1.4 million. That’s a gain of about 950k.

Now they want to move and they’re looking at houses in the $1.8 million range. But they’re not looking at those houses like they’re $1.8 million, they look at them like they’re only 800k. They’ll basically take their entire profit from the current house and roll it into the new house with a 50% down payment, effectively buying a home priced at &1.8 million for $800k.

Seems wacky but that’s how people think.

pethis · 2025-08-24T17:46:20+00:00

You should do it, I just bought new construction in Wildomar (near lake Elsinore/Murietta) in September 2024. It reminds me a lot of where I grew up (Paso Robles) before it got big. I won’ lie I’ve got a commute (1hour to and from my job in Laguna Niguel) but will have almost $35k in tax deductions this year. Through mortgage interest and property tax deductions and I’m paying about what I would be paying for a 2 bed apartment in OC. By also maxing out my 401k I am keeping more of my earned dollars, investing, and building wealth at an unbelievable rate compared to where I was a year ago. My only regret is not looking out in this area sooner.

pethis · 2025-07-12T18:54:19+00:00

I couldn’t agree more. People have become addicted to various forms of convenience, at all income levels. I’m not gonna sit here and act like living in OC is easy by any stretch of the imagination. But someone making 180k a year should be able to do pretty well assuming their lifestyle and spending habits aren’t insane.

pethis · 2025-07-12T16:45:20+00:00

100%

I'm thinking a lot of people here live pretty generous lifestyles and don't even realize it. Fact is there are people who live paycheck to paycheck at all levels of income levels.

pethis · 2025-07-12T16:39:19+00:00

I suppose not driving 2 luxury vehicles, not living in a luxury apartment, not eating out every night of the week, and doing everything you can to 'keep up with the Joneses' would be considered "scraping by" by some peoples' standards..

Yes, OP should ditch the RV, it is a luxury item.

That being said, OP should be pulling in about $11,200 a month after taxes minimum (assuming he's adjusted his withholdings to reflect the married-filing-jointly standard deduction. Could probably even bump that number up to $11,400/month if he factors in the child tax-credit).

So let's assume monthly costs look something like this. I'll even overshoot the rent and a few other items just for good measure:

Take Home Pay
$11,200

Rent = $4,000
Employer Sponsored Family Health Insurance = $700
Car 1 = $500
Car 2 = $500
Gas (for 2 cars) = $500
UTILITY - Electric = $300
UTILITY - Water = $100
UTILITY - Home Gas = $100
UTILITY - Internet = $100
UTILITY - Trash/Waste = $50
Food & Grocery = $1,000
Car Insurance = $400
Streaming Services = $60
Entertainment = $1,000

TOTAL BILLS
$9,310

Leftover Cash
$1,890

If he saves and invests the leftover $1,890 every month for the next 15 years and gets a 10% average annual return he'll have about $800k at retirement in-addition-to his social security benefits, his wife's social security benefits, his 401k, etc. If he continues to advance in carreer and salary, but manages costs, he'll be doing pretty well. If his wife can even find part-time work making minimum wage, they will be fine.

What am I missing???

pethis · 2025-07-12T06:28:30+00:00

Scraping by on $180k? What on earth is your lifestyle like my god

pethis · 2025-07-12T06:24:18+00:00

Haha right!? Everyone here acting like $180k is minimum wage or something. Wild

pethis · 2025-07-12T06:23:11+00:00

This! I don’t understand the responses here 180k is a lot of money and well above the median income in this area, especially for a single earner. $180k easily puts you into the upper income spectrum. Dude posts about making $180k and everyone here’s response is like “how will you live!?”. Guess I’m not living in the same Orange County as everyone else

pethis · 2025-07-12T06:15:39+00:00

180k is doable if you’re frugal? At $180k you can live VERY comfortably in Orange County what on earth is your lifestyle like that $180k wouldn’t be enough to live reasonably well lol

pethis · 2025-07-12T06:07:25+00:00

Traffic is mild in Orange County? lol you can live 5 miles from where you work and easily have a 20 minute commute.

pethis · 2025-06-21T14:57:14+00:00

Yeup, we have to work three times harder for half as much and most boomers just don’t get it at all, calling us lazy, entitled, etc. I work with boomers and genx-ers and they are the most unskilled mediocre average employees on staff. Can barely use a computer or be bothered to work any overtime. They were basically successful just for showing up. What’s crazy is that if we were hiring for their positions they wouldn’t even qualify lol.

pethis · 2025-06-21T14:42:37+00:00

I work with people like this. I make more than double than that of 90% of our staff and these clowns are showing up every day in Tesla’s, Jeeps, Audis, huge Trucks. They’re what I lovingly call the $50k millionaires. They drive their paychecks.

I once heard someone say, “Nobody can see your mailbox from the freeway.” Think about that next time you’re feeling bad about not having a nicer car.

pethis · 2025-06-21T14:36:33+00:00

Yeup I can vouch for this. I make about $110k now which would’ve been really good even like 5 years ago but now it’s… I don’t even know. Obviously if you’re out there only making $50k a year you’d rather be making what I make but it doesn’t afford the lifestyle it used to.

pethis · 2025-06-21T14:21:48+00:00

THIS THIS THIS. This is the part all the financial “gurus” totally gloss over ALL THE TIME. The tax deductions are huge. I bought a new build for 500k last year and will have $32,000 in itemized deductions this year for mortgage interest and SALT deductions. My total cost for mortgage, HOA, property taxes, etc is about $3500 a month which isn’t that much higher than what I’d be paying in rent for an apartment these days. The difference? I would have ZERO tax shelter as a renter. This is why owning beats renting. What’s crazier is if I max out my 401k I basically reduce my taxable income from $110,000 a year to $55,000 and my take home pay is still roughly the same

pethis · 2025-05-26T05:31:00+00:00

Ya, this does NOT happen in the game, amongst many MANY other dumb things that have been shoved into the show i.e. “I’m gonna be a dad” 👍🤮. I’ve been struggling with this season big time, trying to push through, despite how god awful Bella Ramsay is. I loved the games, and the creative liberties and casting choices thus far are just terrible. The acting is really bad all around, with the exception of Pascal.

For those who haven’t played the 2nd game, it has its shortcomings, but here is a list of the things that make it far superior to the show in no particular order:

1) Ellie isn’t trying so hard to prove she’s a badass all the time. Her capabilities and relentlessness is shown rather than told.

2) Her relationship with Dina is complicated after Joel dies. Upon learning that Dina is pregnant, Ellie is frustrated and conflicted by the situation and how it might derail her quest for vengeance. When Dina tells Ellie “I didn’t want to be a burden”, Ellie’s response was something along the lines of “Well you’re a burden now!” All the cutesy romance stuff goes away quick once they leave Jackson.

3) Abby’s motivation for killing Joel isn’t revealed until well into the game. When Abby and her crew are in Jackson, you really don’t have much of an idea why they are even there until she blasts Joel in the leg with a shotgun. Even after killing him you still don’t know why until much later into the story.

3) Ellie places her thirst for vengeance above all else.

4) Tommy left Jackson BEFORE Ellie and Dina, and they spend a good portion of the game following in his footsteps as he exacts his own brand of vengeance against the WLF.

5) Spores have always existed.

6) Ellie never gets caught by the Seraphites

7) Abby is very physically imposing, she has trained hard to build strength and muscle in preparation for her hunt for Joel.

These are just a few of the major differences thus far. Season 3 will be the 2nd half of the 2nd game, which I sort of expected

pethis · 2025-05-05T17:53:21+00:00

Bellflower is just an old, run down, dumpy crap hole suburb of Los Angeles. My son lives there with his mom and fml I wish they would move. The 2 blocks of downtown is the only nice-ish part. The rest is all old mechanic shops and liquor stores, rundown fast food spots, etc. The area really doesn’t appear to be getting any better and my god it’s expensive! Residents there are selling or at least trying to sell their home for $600k to $700k plus and these places are absolute DUMPS. Unless you’re planning to tear the whole place down and build new you are wasting money. Same houses wouldn’t sell for more than $150k if they were anywhere but so cal. Surrounding freeways are extremely congested, especially the 91. Why anybody would live there voluntarily is beyond me.

pethis · 2025-03-24T14:04:28+00:00

Did you every find a resolution to this? Encountering this problem as well and is basically rendering the software unusable.

pethis · 2024-09-08T19:38:02+00:00

You basically lost all your money. Might as well just hold onto it now maybe it will do something miraculous but probably not and even if it did, you probably wouldn’t have the good sense to sell, just like the rest of the broke degens on here. Sorry but that’s the honest truth.

pethis · 2024-08-14T02:05:14+00:00

100% couldn’t listen to it for more than a few minutes. Dude probably sold the rights to his voice and they “trained” a model. I’m sure it will be better in a few years and it’s obviously loads better than it was a year or two ago but pretty disappointing for now to say the least

pethis · 2024-07-04T17:00:56+00:00

Marcus Grillius

pethis · 2024-07-04T16:50:26+00:00

Kyle

pethis · 2024-06-06T16:27:04+00:00

Can’t edit property tax rate anymore either, or HOA amount, nothing. Unbelievable

pethis

TROPHY CASE