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Home ownership

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03-06-2024 , 02:26 PM

#7351

Garick

Oberbiergenießer

Join Date: Dec 2007 Posts: 26,522

Ouch!

Quote

03-06-2024 , 03:06 PM

#7352

AquaSwing

veteran

Join Date: Aug 2005 Posts: 2,262

Gonna need something to charge those diapers to.

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03-06-2024 , 05:07 PM

#7353

marknfw

Gaming Commissioner

Join Date: May 2010 Posts: 13,097

None of us are rich enough to score an Anna Nicole for our dotage, I assume.

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03-06-2024 , 06:45 PM

#7354

Tom Ames

Carpal \'Tunnel

Join Date: Oct 2005 Posts: 45,794

Quote:

Originally Posted by marknfw

None of us are rich enough to score an Anna Nicole for our dotage, I assume.

We could pool our money and all have enough to get one of our own!

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03-06-2024 , 07:08 PM

#7355

REDeYeS00

always sloppy

Join Date: Jun 2004 Posts: 22,789

that's gunna be a nope from me

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03-06-2024 , 08:10 PM

#7356

Tom Ames

Carpal \'Tunnel

Join Date: Oct 2005 Posts: 45,794

That'll leave one too many. Today must be Sterling's lucky day!

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03-06-2024 , 08:32 PM

#7357

REDeYeS00

always sloppy

Join Date: Jun 2004 Posts: 22,789

like a dawg chasing a car
won't know what to do if i caught it

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03-07-2024 , 01:56 PM

#7358

bahbahmickey

Carpal \'Tunnel

Join Date: Mar 2011 Posts: 15,278

Quote:

Originally Posted by CowboyCold

I borrowed 50K from my bookie to start one of my businesses
I don't have an IRA or a 401k or 1 penny invested in the stock market 🤔
If I can't touch it, I don't invest in it
I retired when I was 43
YMMV

If you own a stock there is something you can touch. Most company stocks you can buy will own some of the following: a building, land, desks, computers, trucks, store, factory, materials and a bunch of other stuff. Either way, it sounds like you did ok doing your own thing. I don't think I've heard of someone borrowing money from a bookie to start a business - seems ballsy.

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03-14-2024 , 05:46 PM

#7359

Mark_K

Fast Food Value KING

Join Date: May 2006 Posts: 28,215

Here's a cool water shutoff valve solution. It's a battery operated device that sits around your main valve.

https://shop.yosmart.com/products/va...45377102610683

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03-15-2024 , 03:14 PM

#7360

AquaSwing

veteran

Join Date: Aug 2005 Posts: 2,262

That's pretty neat, it's not inline so you don't have to pay a plumber to install it.

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03-29-2024 , 02:12 PM

#7361

DumbosTrunk

Verified Coach PLO5

Join Date: Apr 2017 Posts: 7,328

Any mortgagees with investments out there? Is it better to pay the minimum on your mortgage and invest more, or pay off the debt early and pay less interest over the lifetime of the loan (but have less to invest)? Let's say a 5.75% mortgage interest rate over 30 years and your loan is less than your current investment portfolio.

Thanks!

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03-29-2024 , 02:33 PM

#7362

Didace

Carpal \'Tunnel

Join Date: Nov 2009 Posts: 19,888

How long do you anticipate living in the house?

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03-29-2024 , 03:05 PM

#7363

DumbosTrunk

Verified Coach PLO5

Join Date: Apr 2017 Posts: 7,328

Quote:

Originally Posted by Didace

How long do you anticipate living in the house?

Probably not more than 5-10 years at which point I will probably want to upgrade and rent out my current place. I'd be very surprised if I stayed anywhere close to the full 30 year term of the mortgage.

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03-29-2024 , 04:16 PM

#7364

Pasghettos

grinder

Join Date: Feb 2010 Posts: 622

As a rule of thumb I think rates are still low enough that it’s worth paying the minimum each month and investing anything extra.

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03-29-2024 , 06:07 PM

#7365

Dr. Meh

veteran

Join Date: Aug 2013 Posts: 3,351

Bought a whole house water filter. Plumber came to install it and noticed our galvanized pipes had some leaks. We figured it was time for a whole house repipe anyway so we went with it.

First plumber quoted us 29k
Second plumber quote was 30k
Third plumber quote was 16k

We went with the 16k.

That being said, I make decent money but how do people afford these types of repairs if they don’t make good money and/or don’t know how to save/budget?

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03-29-2024 , 08:21 PM

#7366

Mark_K

Fast Food Value KING

Join Date: May 2006 Posts: 28,215

Last night, I installed a Reverse-Osmosis water filter in my kitchen. Free distilled water! One downside to the system is that it dumps 75% of all the water down the drain that gets used.

I asked google if you could drink the waste output. She said no but my math says that it should be fine. I need to think about it.

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03-29-2024 , 08:46 PM

#7367

rickroll

oddly catty

Join Date: Aug 2011 Posts: 22,760

Quote:

Originally Posted by Mark_K

sounds like a project but could be routed for flushing toilets but probably more expensive to setup than worth

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03-29-2024 , 09:16 PM

#7368

Mark_K

Fast Food Value KING

Join Date: May 2006 Posts: 28,215

I was thinking a bit more simple like watering plants. But why would drinking it be an issue? So it has 25% more minerals...

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03-29-2024 , 09:26 PM

#7369

Eeyorefora

veteran

Join Date: Oct 2011 Posts: 3,137

Quote:

Originally Posted by Dr. Meh

Not to be a jerk but I ran hot water side after it failed under the slab for less than three hundred in material.
Ran it overhead for kitchen, two bathrooms and laundry room.

Took me a whole Saturday afternoon.

The guy who ran the cold side overhead when it went bad first a couple years earlier charged about 3600 but was covered mostly by insurance.

My dads was still upset that it cost that much even though all he paid was a 500 dollar deductible.

If you have a single story, it might be a similar situation.

In any case, those prices suck.

Sent from my LM-V600 using Tapatalk

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03-29-2024 , 09:39 PM

#7370

Mark_K

Fast Food Value KING

Join Date: May 2006 Posts: 28,215

I know not all repipes are the same. The guys that did my townhouse would not hide the lines that they could hide in crawl spaces, closets or back of cabinets. That bothered me.

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03-29-2024 , 10:44 PM

#7371

MSchu18

Carpal \'Tunnel

Join Date: Sep 2009 Posts: 17,467

Quote:

Originally Posted by DumbosTrunk

Two things... a house IS an investment., and the loan is not front end loaded like unsecured debt so paying it off early is less impactful... though it does have impact.

It's a simple equation to run those two sets of numbers and make your choice on your aversion to risk.

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03-29-2024 , 10:56 PM

#7372

Dr. Meh

veteran

Join Date: Aug 2013 Posts: 3,351

Quote:

Originally Posted by Eeyorefora

I’m not a plumber not I’m not a drywaller. I’m not about to start cutting holes into my walls and feeding lines through when I have zero knowledge of how to do so. Too big of an important project to watch YouTube on and try to wing it.

My house is two stories, three bathrooms, kitchen, laundry room, pool filler, hose bibs, and irrigation system. This install was for both hot and cold and removing the galvanized pipes. If you could do that in an afternoon for under $300, I would be impressed and completely skeptical of the quality of your work.

It took a crew of 6 men working two 13 hour days to complete it. And that’s before drywall repair.

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03-30-2024 , 01:53 PM

#7373

AquaSwing

veteran

Join Date: Aug 2005 Posts: 2,262

What did they replace it with? Copper or PEX? If copper, did they sweat or use Viega? If PEX, What kind of PEX and what style of connector?

Six men working 13 hours gives you 78 hours. Add another 5 hours for parts gathering, driving, etc. and you have 83 hours. They're probably charging 125/hr so that's $10,375 in labor. Add a thousand or more for parts and some profit and you probably did ok at $16k.

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03-30-2024 , 02:44 PM

#7374

Dr. Meh

veteran

Join Date: Aug 2013 Posts: 3,351

Quote:

Originally Posted by AquaSwing

It was PEX A and they did the expansion connection.

I was hoping to be closer to the 12k range but when other quotes were coming in around 30k, it sure made 16k look better. I think the price was fair for what we got.

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03-30-2024 , 03:18 PM

#7375

Eeyorefora

veteran

Join Date: Oct 2011 Posts: 3,137

Quote:

Originally Posted by Dr. Meh

Fair assessment. Lol.

Was a tract house, and neighbors did theirs with similar layout and they paid around 8k because they were selling the house and it was part of the selling conditions.

Prices are just ridiculous across the board right now, but if they can get it I guess its just how it is.

Sent from my LM-V600 using Tapatalk

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