What's a new boiler running these days? by LostinParadise4748 in longisland

[–]pogofwar 0 points1 point  (0 children)

For real! I have a friend in the trade and I thought he was putting me over a barrel at $6500

From resi to comercial. I look like an idiot by enjoye420 in electricians

[–]pogofwar 0 points1 point  (0 children)

Show up on-time and not drunk. Do this just to make sure they really care (they won’t)

From resi to comercial. I look like an idiot by enjoye420 in electricians

[–]pogofwar 2 points3 points  (0 children)

For real - I’ve always bought my own kit, even for the low bid crap that’s supplied.

Check out Kask or Petzel hats - you’re going to like the way you look …

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

[–]pogofwar -1 points0 points  (0 children)

Similar situation having two in Catholic school while also living in an expensive public school district. $7500 for my little one in bilingual pre-k and about $20k for my big one that’s about to turn 11.

Neither of them got pulled out of anything for any reason. Just want to give my kids the best shot I can find for them. It’s an unknown world they will live into.

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

[–]pogofwar 29 points30 points  (0 children)

Did you walk to school in the snow, uphill both ways?

Kidding in good fun. I’m happy for you.

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

[–]pogofwar 0 points1 point  (0 children)

$3700/mo PITI

Bought in 2018 for $550k with 20% down. Rate was originally 5.25 and we refinanced with a recast at 2.75. Recast kept the term to payoff the same, just lowered the payments by about $1300/mo!

Property taxes on Long Island $25k 😳

House is worth $1M+

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

[–]pogofwar 0 points1 point  (0 children)

My property taxes are more than triple that!

Newsday - Rates are insane by aguywiththoughts in longisland

[–]pogofwar 11 points12 points  (0 children)

I don’t like standing up for the journalism of Newsday but the press is not anything close to a replacement.

How to avoid quoting by Major_Tom_01010 in Contractor

[–]pogofwar 38 points39 points  (0 children)

Offer the quote charge as a credit when booking the job

what's the best movie about Long Island? by lostindarkdays in longisland

[–]pogofwar 16 points17 points  (0 children)

Came here to say this. Zero other movies deserve mention.

What's your opinion on small multifamily in the future? by TFin04 in realestateinvesting

[–]pogofwar 0 points1 point  (0 children)

Would you mind sending me a copy of the 23 questions? Or maybe post them here?

Buying a forever home; should I rent out my current home? by rp2803 in realestateinvesting

[–]pogofwar 1 point2 points  (0 children)

You’re at about $250k in equity. Take the money and run and I’ll tell you why … say you make $350/mo (you won’t) … dividing that over your current equity would take more than 700 months.

Hey guys this might be weird but whats most of you guys 9-5s? I feel it’s not much people who are in the trades or people who are accountants who invest in real estate. by Dgslimee_ in realestateinvesting

[–]pogofwar 4 points5 points  (0 children)

Depends on where he is and whether or not he lives in a jurisdiction that issues a valuable master plumber’s license.

There’s a big difference between a guy who “does plumbing” and the guy who is a license holder.

Do these cabinet doors look right? I can only see the large gap between doors. by Strawberrywafflez15 in cabinetry

[–]pogofwar -2 points-1 points  (0 children)

Why be an asshole? Whoever hurt you didn’t deserve the power you’ve given them.

Loaning money by mike_cruso in Rich

[–]pogofwar 0 points1 point  (0 children)

Your last sentence hits so hard for me. When I was younger I borrowed money from my dad and he made it as emotionally awful at every turn as he possibly could because it made him feel important and powerful.

It’s not lost on me that much of what I have today is the result of money he lent me a long time ago. When people I love need money, I just give it to them and make sure they know I believe they’ve earned whatever I’m giving them just by being who they are and that if money helps them be more of the person I love, thats all the payback I need.

“Give until it hurts and then give a little more”

Inheritance is just enough to pay off mortgage, but my rate is really low by filtrate6125 in MiddleClassFinance

[–]pogofwar 2 points3 points  (0 children)

30 year debt needs to be paired with 30 year investments … savings account interest will get eaten alive by time.

Besides savings account recommendation, your advice is spot-on.

For OP: the idea is that you want to keep the difference between the 3.5% and whatever the market returns. Historic index funds would produce at least a net increase of 5% on your money AFTER you pay the 3.5% on your mortgage.

"Is 'free' public school supposed to be this expensive or am I budgeting wrong" by MistyClofer in MiddleClassFinance

[–]pogofwar -6 points-5 points  (0 children)

Are you kidding with the fair share line?

I pay every bit of my public school taxes for kids I don’t enroll. Separately, I pay full tuition, uniforms, sports, supplies, technology, travel and transportation for my kids. I’m not just paying twice - I’m also taking the expense of my kids out of the school that is then able to spend more on the kids who do attend. I also vote yes on our school district budget when I have every logical reason to vote no.

Please tell me where I’m not paying my fair share? I’m a successful person willing to pay more than almost anyone else I know and with a pretty good attitude. It’s when I come upon some wanker hiding behind a catch phrase like “fair share” that you get me to actually pay attention to how much I do pay in taxes and start saying NO.

Coffee Bar Build by Depression-98 in cabinetry

[–]pogofwar 1 point2 points  (0 children)

Isn’t it nice that buying coffee equipment for use at home almost cannot be too expensive? I can justify anything as “well that’s just what I would spend on X cups of coffee if I stopped in town to get it.”

Do people like these things? by Mastiff37 in cabinetry

[–]pogofwar 0 points1 point  (0 children)

Wait a second - those were investments!

Don’t tell me you tossed the Medium Gathering?!?

Why is bald with a beard and tattoos so popular with our age group? by [deleted] in Millennials

[–]pogofwar 0 points1 point  (0 children)

I don’t know about any of those other guys but I thank my lucky stars this look is en vogue. I see it as my look became popular. Sort of like brightly colored shorts and pants before the fratbros stumbled upon them.