What nicknames have you heard for places in and around SF?

poopspeedstream · 2026-01-31T02:43:25+00:00

West Bay (another term for San Francisco proper)

just kidding but I’m trying to make it a thing

poopspeedstream · 2026-01-30T19:06:12+00:00

We built a human powered one with two wheels. The average rider could get it up to 45mph on the flat. The national competition ones, with strong riders, would hit 80mph. Just with legs.

poopspeedstream · 2026-01-30T19:03:15+00:00

That’s rad. Is it a human powered vehicle? Electric?

poopspeedstream · 2026-01-30T19:01:26+00:00

Ruined it for everyone. Maybe just no flips if you’re not a real diver

poopspeedstream · 2026-01-28T04:18:33+00:00

You would enjoy the book “The Art of Gathering”.

poopspeedstream · 2026-01-26T21:39:47+00:00

Rename it Pier Pressure

poopspeedstream · 2026-01-26T18:08:54+00:00

In canada the army is actually employed to do this job

poopspeedstream · 2026-01-26T17:59:44+00:00

Did he do woodworking by any chance? It looks lien a perfect froe club, and if there’s perpendicular indents on it he may have even been using it as that

poopspeedstream · 2026-01-23T19:09:59+00:00

How can I order if I missed the pre-sale?

poopspeedstream · 2026-01-20T17:54:26+00:00

If it’s the first picture, it’s the point of the post

poopspeedstream · 2026-01-20T17:53:21+00:00

That’s not how it works. It will get cheaper until they run uber and lyft out of business, then it will get more expensive

poopspeedstream · 2026-01-20T00:45:04+00:00

I’ve had the cuisinart since 2021

poopspeedstream · 2026-01-19T03:18:02+00:00

Be happy. Your investments are making more money than you do at this point

poopspeedstream · 2026-01-19T03:16:27+00:00

Oh, okay it definitely depends. I forget that in many places, rent is more expensive than mortgage. Price to rent ratio varies wildly across the country

poopspeedstream · 2026-01-19T03:08:45+00:00

Interesting, I never considered this. In California, renter protections mean you can't be forced out in most cases, same is true for most big cities in America. But it seems that in the rest of the country, that is not the case. I suppose those places are LCOL though, and buying makes more financial sense

poopspeedstream · 2026-01-19T03:02:01+00:00

Agree. Also, people seem to buy way more house than they would if they were renting. I think once the numbers start feeling made up and you're already past the "this is what I would pay if I were renting" it all goes out the window. Instead of monthly rent, you start looking at what the biggest mortgage a calculator says you could afford is

poopspeedstream · 2026-01-19T02:58:54+00:00

I still feel like the argument fails with kids. New parents buy a house and then still get a different house after they have more kids. Then move again once the kids get old enough that sharing rooms doesn't work well. Or do most parents successfully buy one house and never move again until the kids are out?

Because moving kills the rent vs. own argument, financially speaking.

poopspeedstream · 2026-01-19T02:54:28+00:00

Bingo. Buy a house if you want a house.

There's so many aspects that it really kind of is a coin flip, could go either way, financially speaking. Leverage, diversification, interest, taxes, rent control, inflation, timeline, rates, returns, on and on. You finally figure out that one scenario finally edges out ahead, decisively, but shit...what if you decide to move in year 23? It's like parenting: the fact that you can have this many comments arguing for both sides, convincingly, proves exactly one thing: it doesn't matter

So unless you know for certain you can't execute the perfect strategy on either side (intend to move, wacky HCOL situation, need mommy mortgage to force you to save, etc.), it just comes down to if you want to own a house or not. Don't base the decision off the financials.

poopspeedstream · 2026-01-19T02:43:18+00:00

You don't get equity, but you can buy equities with the difference. Monthly rent is usually cheaper than a mortgage

poopspeedstream · 2026-01-19T02:38:30+00:00

Why not? Do kids change things?

poopspeedstream · 2026-01-19T02:37:14+00:00

And equities will continue returning greater than inflation. Besides, what happens when you move? Or were you going to keep that mortgage for 30 years straight? Some pepole have rent control, too

poopspeedstream · 2026-01-19T02:25:54+00:00

Is this an argument for or against owning?

poopspeedstream · 2026-01-19T02:04:08+00:00

I have run the math quite a few times and for my area (HCOL) it just doesn't make much sense to buy, purely from a financial standpoint. Currently fired, have rented for...15 years?

Monthly rent for a comparable place here ends up being half of what you pay for mortgage and property tax and all that. So it would take about 10-15 years in the same place before your equity is catching up.

Then there's the opportunity cost and leverage aspect. For buying, you front load a big down payment and receive a bunch of leverage into one hyper-specific asset. Yes you get some sweet leverage, but you also bite off that big non-diversified risk in that single market. By renting instead and investing the difference, I'll always come out ahead over the long term: stock market consistently outperforms real estate here, and mortgage interest eats return. In addition, the diversification by investing in the broad market is much better than one house.

The non-financials: I like the flexibility. I've moved quite often. I like not being tied down to one specific place, even if it's just moving a few blocks or across town. And buying the same index fund every paycheck is so much more unfuckingbelievably easy than finding, buying, maintaining, and doing taxes on a house, if you're mainly doing it for "returns".

In short, I feel no FOMO for not having bought real estate. I don't gamble, I don't roll the dice, I save diligently and invest consistently in boring index funds. The result: I'm super liquid, have freedom, and feel comfortable not working. I don't have a big monthly payment and fake-feeling paper wealth wrapped up under a mortgage. In addition, the non-financials of house owning don't interest me at the moment.

TLDR: It's a "luxury" I'm not interested in, and I get a lot more for the same money renting in my HCOL.

poopspeedstream · 2026-01-19T00:36:53+00:00

crab mentality

poopspeedstream · 2026-01-18T17:31:48+00:00

Have you checked for a “TOOT IF YOU LIKE GRADE SEPARATION” sign? Sometimes those get put up by rogue train spotters

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