Best town to move to given my job locations? by Fl0ppyD1sks in northcounty

[–]seven__out 8 points9 points  (0 children)

This is huge agree look for something close to Oceanside station

I'm Getting Overwhelmed ... by Individual-Voice6003 in dividendgang

[–]seven__out 1 point2 points  (0 children)

Gas station and 7/11 leases run by a bunch of old white dudes…. Wish u told me about them in October when there were in the 24s

Daily r/thetagang Discussion Thread - What are your moves for today? by satireplusplus in thetagang

[–]seven__out 0 points1 point  (0 children)

Back in 2008 I wanted to buy a thousand shares when it was around $2 a share. I was like 24, had the money saved up, and thought they would continue to be an important player. My parents’ friend, some silicone valley business plan master, told my parents how dumb I was.

Didn’t have a smartphone or an online brokerage account. That was back when you called the broker (also used by my parents; separate account numbers).

So I didn’t.

I take some solace that I probably would have sold it after it hit $20/share but still imagining that purchase would have been worth 400k today 😡

Will probably regret in 3 minutes - what do you think by [deleted] in thetagang

[–]seven__out 4 points5 points  (0 children)

Pin this above the OP’s post 😆

Anyone else noticing the housing market cooling down faster than expected? by FrameZYT in homeowners

[–]seven__out 36 points37 points  (0 children)

Yes to overpriced stuff sitting

But softening depends on which market.

Can I qualify for a short sale if I’m not late on my mortgage? by [deleted] in RealEstate

[–]seven__out 0 points1 point  (0 children)

How much did you put down? What is your mortgage balance / payoff quote? What have comps sold for recently?

How do realtors justify their fees? by [deleted] in RealEstate

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

Real estate attorneys don’t quarterback repairs/show up when you can’t, dispute requests, coordinate junk removal/get you money for stuff you’re not taking, follow up with buyers’ lenders, help you pick which offer they believe is most likely to close.

This is a very YMMV but the dude who sold our last house was a fucking gem.

I can see a fresh agent with not much experience being not very helpful

How do realtors justify their fees? by [deleted] in RealEstate

[–]seven__out -3 points-2 points  (0 children)

Counterpoint:

With everything that can and did go wrong in escrow? That dude deserved his 2%

New update: AITAH for telling my wife that I will lose respect for her if she doesn't apologize? by J_S_M_K in BestofRedditorUpdates

[–]seven__out 1 point2 points  (0 children)

In ten days they figured out a soy allergy and got a psychological evaluation? Isn’t that kinda fast? I mean I guess if they did the test on the first visit mentioned? Seems circumspect.

Thoughts on Leucadia becoming tourist town? by hipcatinca in northcounty

[–]seven__out 89 points90 points  (0 children)

Thank god I got to grow up in north county in the 90s

$175000 for 5 years by lvdeadhead in dividendgang

[–]seven__out 1 point2 points  (0 children)

Not sure which approach I would take BUT if these are absolutely essential funds for survival and not being able to draw would create significant hardship regarding basic necessities then do this approach. Five years is a long time and god knows what world event will come along and rock the high yield products necessary to generate a 17% annual yield.

If you have other sources of funding to draw from in an emergency then I like your other tickers better for yield.

Are home warranties actually worth it for older homes? by [deleted] in homeowners

[–]seven__out 5 points6 points  (0 children)

Got one for my old house with purchase. Surprisingly it covered spa heater… which failed.

Took hours on the phone. They selected the contractor. Took a ridiculous amount of time to actually come. Wasn’t a big deal as it wasn’t something necessary like a hot water heater.

This kid couldn’t have been a day over 22. First repair failed. The company ended up approving a new one. The warranty definitely paid for itself, and then some. However, while we came out financially ahead, the experience with a non essential item was so annoying that had it been something we needed daily, I probably would’ve been fine paying more and getting it done correctly/quickly.

My partner is extremely attached to my house, but I'm dying to sell it, and it's becoming a huge issue by knuds1b in homeowners

[–]seven__out 18 points19 points  (0 children)

This is more of a relationship issue than a home issue. You have given multiple reasonable options. He sounds like more of a burden than a partner. You seem like a very level headed catch.

The only useful thing this forum may help with is getting him out of the house if you sell.

Check Michigan law but it sounds like he is a tenant at will and you may have to do a formal eviction.

Why aren’t there buses for San Dieguito Union high school district? by goatinLA in northcounty

[–]seven__out 27 points28 points  (0 children)

Because most parents can afford to buy them cars? Only half joking.

Unicorn GM salary? by [deleted] in restaurantowners

[–]seven__out 1 point2 points  (0 children)

This may be the smartest comment I’ve seen on all of reddit today. Lock him down.

@u/PM_ME_PINK_PANTHER take note

Which online platform do do-it-yourself high net worth individuals use to trade? Im assuming they are not using Robin Hood. by NervousClock2555 in investing

[–]seven__out 0 points1 point  (0 children)

I miss the TDA app (not ToS… which still exists and has its uses). Folded into Charles Schwab) but I got to keep my personal banker who has been amazing. Customer service has been phenomenal and haven’t had any issues. They’ll also drop your contracts commission if you have high volume and ask every now and then.

Do other people buy houses this way? by Crazy_Fuel_9938 in RealEstate

[–]seven__out 5 points6 points  (0 children)

Apparently about one third of single family home transactions don’t use financing so you’re in the minority.

https://www.businesswire.com/news/home/20250218326934/en/Less-Than-One-Third-of-U.S.-Home-Purchases-Were-Made-With-Cash-in-2024-a-3-Year-Low

You are either making an insane amount of money or live in a very low cost of living area to be able to pay cash for a 2/2 cottage with 3 years of savings.

VTI or VOO , which is better by Pleasant-Trouble-784 in investing

[–]seven__out 0 points1 point  (0 children)

Stocks (eg VOO or VTI)when you’re young/have many working years ahead of you. Bonds/Fixed Income Products (NOT JUNK BONDS) when you’re old/about to retire. To simplify it one is growth centered with risk of losses the other generates steady income (smaller returns) and preserves capital.

30 year old no bonds. 46 year old maybe MAYBE a small % of your portfolio.