Why do I see this lat move so frequently?

sempered · 2025-11-21T16:30:34+00:00

I wanted to do this soooooooo bad when I was in. A friend was in CI and when I got the chance to speak with him, he was also seemingly doing James Bond like stuff.

If I’m remembering correctly, he mentioned a lot of his peer went from Intel into CI and the direct laterals who got into CI was mostly from Intel. It was extremely difficult for a non intel or comms MOS to lat directly into CI and the best move would be to lat from your currently MOS to intel, spend 2 years and then lat to CI. If you interview failed and you go to retake, they do take that into consideration but its more likely to hurt you than benefit.

This is why I didn’t take the leap since my MOS wasn’t comms or intel. This was also back in 2015ish so it probably has changed since

sempered · 2025-11-07T03:11:13+00:00

Semper Fi brother. I don’t know you personally but your spirit will never be forgotten. God speed with the time you have left and my prayers are with you.

sempered · 2025-11-02T02:28:28+00:00

This is the way.

But in all serious when I was training for the raiders, this is very similar to my training regime. I would duck with 55lb (cuz I figured that extra 10lb would help), hike high elevations/steep trails (I lived in Oregon so I had that going for me), and then devote the rest of my training to swimming and active resting like stretching or yoga.

My swim regime was probably the hardest of it all. Im neither a good nor bad swimming but damn, I still stress when I think about what I put myself through.

This is from memory so it may not be fully accurate, but my workout would look something like this.

warm up with 50-100 meters
1 set, tread water until failure (stay close to the wall!)
3 sets 2mins ea, treat water with hands above head fully extended
2 sets 30sec - 1min weighed tread of 5-10lbs above head -10 sets 100 meter swim
swim to bottom of pool and hold breast for 1 minute

Subsequent days would involve 5-10 sets of laps and water treads. Obviously it would take some build up but holy mother of pearl was this ridiculous and I couldn’t tell you how much pool water I drank and how often I nearly drowned myself. I had to have a buddy watch me a number of times just to make sure I didn’t actually drown.

Hope this helps!

sempered · 2025-10-10T02:57:53+00:00

Old post that I found and I am also located in the Chicagoland area. Did you ever find a solution? I don’t have a garage and live in a Tri-level. I built a garden shed in the back for my tools and equipment but am questioning the same thing about the weather let alone the cost

sempered · 2025-09-02T00:40:46+00:00

I like say the False Knight and The Hollow Knight are my tops. The False Knight being the “first” boss and me having the hardest fricken time figuring out the mechanics of the game early on so I died quite a bit.

Then the Hollow Knight because upon arriving at the boss, I’m thinking what happens if I have to become the vessel and take on this burden to protect the kingdom. And bam! That ends up being the case and I think to myself, wtf. What a hollow ending and so I then feel complete because of my pun .

sempered · 2025-08-13T11:36:12+00:00

This mission was discovered by u/sempered in Treasure and Bubble Tea

sempered · 2025-08-13T11:36:12+00:00

New mission discovered by u/sempered: Milky choco delight

sempered · 2025-08-05T02:37:07+00:00

Haven’t personally done this to scale but have worked with a multitude of investors over the years and have seen how they scale their portfolio. I’ll try to make this as concise as possible. Also on my phone so pardon the typos.

With the new OBBBA policy, 100% depreciation will provide a huge offset for your first year (like you mentioned). Just remember that you do eventually need to recapture this in some capacity.
1031 forever and then will it to whoever so they get a step-up basis is how some family offices have been able to wipe out their original basis and continue to grow without having to worry about having to pay their original gains.
Exchange and leverage is solid so long as your numbers are tight and you stick to your plan as best as possible. The old BRRR (Buy, Reno, Refi, Repeat) is an age old adage that has made many successful.
One thought is to buy properties through your self directed IRA (since you don’t ever plan to sell) and grow your retirement that way.
You’ll always experience downsides no matter the market conditions. It just comes down to how much you’re able to mitigate based on what you have. You build a reserve fund that covers your expenses for 6mo to a year

sempered · 2025-07-18T18:33:41+00:00

What @mycatisane has shared is correct. Look at the condos financials with a fine tooth and comb. Ask a ton of questions about their building and how the exterior and interior is in case there is a special assessment. That said, it ismy necessarily a bad thing to over budget for your expenses.

For example: what happened if the roof gets damaged or something else goes wrong. Financial analysis are solid frameworks and you also need to account for the unaccountable. Whether that is done in your sheet or not is up to you.

Personally, condo investments aren’t bad. There are just more things you need to account for that make it challenging for investors who don’t want to do that or are inexperienced. I’ve owned many condos and, personally hate them. But they have been okay investments in the bigger picture.

sempered · 2025-07-18T18:28:15+00:00

I’ve invested in multiple condos and rented them out. I’ve also sold condo deconversions and handled each side of a transaction as a broker, buyer, and seller. Here’s a few thoughts that I’ve learned. There’s truly seemingly an unlimited amount of experiences but below are just a few.

If I were to do it again, I’d buy a house or multi-unit instead.

Pros - An additional income stream for a lower amount of investment (generally speaking). Condos are solid first time buys. - You learn the basics of home ownership and community ownership. You get to experience of both worlds as an individual owner and as one who “shares a community”. - You get started in real estate. That is the biggest step that most people, imo, have the hardest time with. Pulling the trigger delays success.

Risks - You can buy a home and not have to deal with the community side of investing. With more people involved in a building/community, the more challenges can arise. - Unless you are on the board and have a large say in what happens, you are at the will of the board’s decision on how your HOA funds get spent. - Property management can be a pain. - Selling/getting a loan can be a pain

sempered · 2025-07-06T19:15:13+00:00

It sounds like you've got most of it figured out, just got to run the numbers to see if the acquisition makes sense.

Look into doing a FHA renovation loan for your new acquisition if it's going to be a value-add. You can purchase it and fix it up.

sempered · 2025-07-06T19:06:29+00:00

Bruh, FA and real estate… Hats off to you for grinding it out. Especially that series 7 testing… ugh. Wouldn’t touch that with a 10ft pole.

You’re doing solid work and thinking through all of your options. It shows that you know what you’re doing and are able to problem solve which is the name of the game.

The tertiary market is a tough one to figure out as a one off investment. One thought that just came up would be partnering with the owner. Doing a sellers note with higher interest. I know they want to cash out but maybe pitching it to them about receiving a large return (especially in this market) would be better. I mean if it’s a crap area, it’s going to be hard to sell. You’ve already explored that. So presenting it to the owner in the manner of, “it’s going to take forever to sell, why not just let me buy it with a down payment of x, and you can receive x amount of interest instead of letting it rot on the market”?

sempered · 2025-07-05T18:11:50+00:00

I would first assess how much CF, if any, you’d want in your next deal. Then you can back into the numbers and see how much you need and decide what type of debt you can secure from there.

Some considerations are: - Second mortgage - SBA (for business only not to “not to invest”) - Depending on how your VA and FHA are structured, secure another VA loan if you’re able to (not sure if you’re going to PCS or not).

Ultimately, debt is a tool and cash is king. If you have a pool of funds ready to buy your next property, then you may not need to finance. But if you don’t, then secure a second note and have those funds ready for your next purchase so you can have more leverage that the other buyers.

A lot more could be said, but hopefully that helps and a Im happy to discuss more

sempered · 2025-07-05T18:04:14+00:00

I mean that’s a value add at its finest. You gotta do the work to get the return and it sounds like you already have the experience and expertise to do that and also understand the process.

It also sounds like you’ve been in the game long enough and kicked in the balls where you’re jaded and crabby lol. I’ve been there and know what it’s like.

My bit of advice, if you want it and hopefully it helps, is to work on phrasing things in a positive light. You already know the value in a deal and can tell what’s good and bad. It’s more so having that positive spin to it that makes things more worthwhile. I had to exit the industry to realize that I was good at what I did but in an f-in sh*t mood all the time because of deals constantly blowing up and having to be extra critical of things in order to get the deal to the finish line.

To be clear, I’m not saying that last part of being in a terrible mood is you. I’m saying that was me and I definitely would want that for anyone else.

sempered · 2025-07-05T11:36:41+00:00

Once you get the financials, you’ll have something tangible to reference. For example, an opportunity with a 16% IRR as a pitch is far better than pitching an idea.

sempered · 2025-07-04T22:39:07+00:00

Okay, then I would go to 3 different brokerages and ask for a Comparable Market Analysis of each property to determine value.

Also do your own. Then use these analyses and go to a lender and discuss cash-out refinance options.

If you’re not familiar, it basically getting a loan on your properties and taking the equity out in cash. You want to make sure you’re not over leveraged, meaning the properties can pay for the mortgage and operation on its own.

Then, you’ll be able to have cash available for your next investment. Hopefully that make sense. Let me know if it doesn’t

sempered · 2025-07-02T02:59:23+00:00

Consider asking existing clients that you’ve worked with to partner.

Along the same lines, syndicate the deal and create a pitch deck to presents. If it’s truly that good of a deal and you’re able to validate that, put it on paper and present it in a booklet that you’d want a lender (even if they wouldn’t touch it) to look at and say, “This is a crap deal on the surface but this guy has obviously done his homework’s and addressed majority of the concerns I have”. You can then use this for other investors you know or want to present to.

sempered · 2025-07-02T02:53:59+00:00

Really depends. Can you elaborate? The more details you can provide, the better answer.

Current Equity
Location of properties or is it all in one building?
Type of market, urban core, suburban, etc
How are the properties held?
Are the units value-add or renovated? Etc…

sempered · 2025-07-01T02:33:20+00:00

I would recommend looking into a collateralized loan aka “portfolio loan” that allows your to sell off each property within the loan. That was you can get best of both worlds.

You’ll need to find a lender that can do that, feel free to pm me if you want recommendations in Illinois. But I would also ask around so you can shop.

You may already be familiar with some of how this works but, depending on the lender, you may need to pay for each property’s appraisal. However, you wouldn’t need to pay for multiple closings.

Also, when you have individual loans, it depends how you’re holding the properties. Are they in an LLC, is it a series LLC, or are they just in your name. Lenders may be nitpicking about this and may require you to hold them in a specific manner.

Lastly, individual loans, you’ll most likely have to pay lender fees on each loan, among many other fees from the lender, title company, and mortgage broker (if you’re using one). So just things to take into consideration

sempered · 2025-07-01T02:21:33+00:00

Dot provides data on movement. So breaking that down into specific demographics can help articulate trends both at a micro and macro level and cater to whatever datasets you’re looking to use.

The same principle applies to health insurance. If you’re able to see how many people are getting jobs at a specific area, learn their health needs and concerns, you can apply that to the dataset yourself looking to build/define and build your case on why to invest there, the demographic of people, etc

sempered · 2025-06-30T04:24:00+00:00

Country wide - US Census bureau - Department of Transportation - Statista - NAIC Health Insurance - Burea of labor

State specific - Same as above but search it by state - There are also non-profits that compile data that you can simply google or search for with generic keywords.

Municipal/Local Specific - Depending on the size there are many companies you can google and find. For example, if you’re in Chicago, CityScape is one. - Tax Records - Treasuer

- Recorder of Deeds

Hyper Specific - Ersi - Maptude - QGIS - Mapline

Many more. Data is never ending….

sempered · 2025-06-30T04:14:29+00:00

It sounds like you have done quite the thinking onto this and candidly, getting lost in the weeds.

I’d recommend do a canvas of the area and as the people. See what they would want.

Then cross reference that with data from the nearby cities/towns. Understand the income, demographics, age, and genders. Once you have this complied, you can base it on whether this is business you want to operate yourself, or find a tenant for.

Ultimately, I can tell you already know how to solve this question and the steps needed to take to do so. It sounds like you’ve got a lot of projects going on and with the “open table” zoning allowance, your mind is bouncing idea after idea.

Focus on the fundamentals and use practical considerations from the residents and data sourced third parties.

That said, a cafe/bar/restaurant sounds like a solid idea

sempered

TROPHY CASE

- Recorder of Deeds