• Re: Cashless society is b

    From Tracker1@VERT/TRN to Dennisk on Wednesday, August 05, 2020 15:31:23
    On 7/11/2020 6:56 PM, Dennisk wrote:
    They crunched the numbers, and found that because it was better and better for
    investors, that this means its more affordable. They completely ignored the problem of buying a house in the first place, and like most in the Real Estate
    industry here, they forget that houses exist for people to live in, not to use
    as speculative tools.

    Finally bought a house about 2 years ago... After my last divorce I
    didn't think I'd go into a house again tbh, but rent seemed to go up
    about 60% in 4 years in my second to last apartment. I moved into the cheapest centrally located apartment I could find and for about 2 years,
    saved for a down payment. When I was closer to pulling the trigger, I
    stopped my tax deductions from payroll from 3 cycles and put that extra
    money with my savings as a down payment on a house.

    It wasn't easy, it was uncomfortable and I wasn't always able to do what
    I wanted during those 2 years. That's how you manage to get into a
    house. That said, the house I bought is now showing only 2.4 years
    later that it's worth 19% more than what I bought it for. That's
    another crash waiting to happen imho. It's unreasonable and
    unsustainable to have that level of housing inflation. Not to mention
    that something like 50% of mortages were late or unpaid the month before
    last.

    I'm not sure how things will shake out, but I'm not moving for at least another ~3-5 years. I can only hope for my own sake that any bubble
    doesn't burst before I can sell, and that wherever I wind up moving
    they're in a dip/burst. I largely agree that investment properties are, potentially an issue. That said, there's a lot of options and
    opportunities for people to buy.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Tracker1@VERT/TRN to Arelor on Wednesday, August 05, 2020 15:34:42
    On 7/12/2020 1:54 AM, Arelor wrote:

    Whether to buy or rent seems to be a very cultural thing. Cultures where people switches jobs quite fast because they are
    always looking for somethign better seem to tend to rent; sedentary styled ones seem to prefer purchase.

    There's also a huge variance between men and women on this... Single men
    are far more likely to rent. In general, financial advice is to buy
    only if you intent to stay in place for 5-10 years as that's the typical
    break even to get ahead point.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Tracker1@VERT/TRN to HusTler on Wednesday, August 05, 2020 15:39:19
    On 7/12/2020 5:34 AM, HusTler wrote:
    Really? Who pays for that? If I rent my house to you does that mean I have to sell it to you if you want it? Is your country communist or something? Selling and renting are two different animals. I may never want to sell a property I'm renting. That's my choice as a property owner. Please explain yourself. Maybe your talking about leasing with the option to buy?

    You aren't required to do this... there are renters that make it an
    option to their renters. For the most part, they wind up charging
    slightly more in rent than typical for the area, if they do sell, they
    will make money, and most renters will walk away without buying. It's
    mostly a tactic to improve turnover in a rental property.

    A rental in a friend's neighborhood did this... the rent was roughly
    10-15% above market in the area, and over the course of a decade 4
    different renters came and went.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Nightfox@VERT/DIGDIST to Tracker1 on Wednesday, August 05, 2020 16:40:45
    Re: Re: Cashless society is b
    By: Tracker1 to Dennisk on Wed Aug 05 2020 03:31 pm

    Finally bought a house about 2 years ago... After my last divorce I didn't think I'd go into a house again tbh, but rent seemed to go up about 60% in 4 years in my second to last apartment. I moved into the cheapest centrally located apartment I could find and for about 2 years, saved for a down payment. When I was closer to pulling the trigger, I stopped my tax deductions from payroll from 3 cycles and put that extra money with my savings as a down payment on a house.

    I bought my first house in 2015 after living in apartments for a long time. I don't really like doing yard work, and I'm not really experienced doing house repairs & such, since I didn't do much of that kind of thing growing up. In some ways, I kinda wish I still lived in an apartment so I wouldn't have to worry about any of that. Or at least a nice house without many issues (I bought a somewhat older one), perhaps without a yard or trees.. I've seen people put a slab of pavement in place of grass, which doesn't seem like a bad idea.

    Nightfox

    ---
    Synchronet Digital Distortion: digitaldistortionbbs.com
  • From Nightfox@VERT/DIGDIST to Tracker1 on Wednesday, August 05, 2020 16:41:45
    Re: Re: Cashless society is b
    By: Tracker1 to Arelor on Wed Aug 05 2020 03:34 pm

    There's also a huge variance between men and women on this... Single men are far more likely to rent. In general, financial advice is to buy
    only if you intent to stay in place for 5-10 years as that's the typical break even to get ahead point.

    I'm glad I've stayed in my house for 5 years now then.. My wife and I have been thinking of finding a new house that would suit us better.

    Nightfox

    ---
    Synchronet Digital Distortion: digitaldistortionbbs.com
  • From Dennisk@VERT/EOTLBBS to Tracker1 on Thursday, August 06, 2020 09:31:00
    Tracker1 wrote to Dennisk <=-

    On 7/11/2020 6:56 PM, Dennisk wrote:
    They crunched the numbers, and found that because it was better and better
    for

    investors, that this means its more affordable. They completely ignored the problem of buying a house in the first place, and like most in the Real
    Estate

    industry here, they forget that houses exist for people to live in, not to
    use

    as speculative tools.

    Finally bought a house about 2 years ago... After my last divorce I
    didn't think I'd go into a house again tbh, but rent seemed to go up
    about 60% in 4 years in my second to last apartment. I moved into the cheapest centrally located apartment I could find and for about 2
    years, saved for a down payment. When I was closer to pulling the trigger, I stopped my tax deductions from payroll from 3 cycles and put that extra money with my savings as a down payment on a house.

    It wasn't easy, it was uncomfortable and I wasn't always able to do
    what I wanted during those 2 years. That's how you manage to get into
    a house. That said, the house I bought is now showing only 2.4 years later that it's worth 19% more than what I bought it for. That's
    another crash waiting to happen imho. It's unreasonable and
    unsustainable to have that level of housing inflation. Not to mention that something like 50% of mortages were late or unpaid the month
    before last.

    I'm not sure how things will shake out, but I'm not moving for at least another ~3-5 years. I can only hope for my own sake that any bubble doesn't burst before I can sell, and that wherever I wind up moving they're in a dip/burst. I largely agree that investment properties
    are, potentially an issue. That said, there's a lot of options and opportunities for people to buy.

    Median house price in Sydney is about a million AUD. Melbourne is a little cheaper, but not much.

    Good luck!

    People are holding off having children because they cannot afford the home, which means our wise managerial class want to prop the population by bringing in people, or allowing external investors to buy up our real estate.

    How people aren't rioting over this, I don't know.

    ... MultiMail, the new multi-platform, multi-format offline reader!
    --- MultiMail/Linux v0.52
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  • From MRO@VERT/BBSESINF to Nightfox on Wednesday, August 05, 2020 23:12:47
    Re: Re: Cashless society is b
    By: Nightfox to Tracker1 on Wed Aug 05 2020 04:40 pm

    growing up. In some ways, I kinda wish I still lived in an apartment so I wouldn't have to worry about any of that. Or at least a nice house without many issues (I bought a somewhat older one), perhaps without a yard or trees.. I've seen people put a slab of pavement in place of grass, which doesn't seem like a bad idea.


    pavement is expensive though.
    you can try having a wildflower garden. that's what people around me do.

    i hate cutting grass too. i used to be a pro grass cutter. i cut ballparks and everything. i have an electric mower and it's a pain because of the cord.
    then i have a gas mower but i think it needs to be sharpened. then if i use the gas mower i stink like gas.
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  • From Arelor@VERT/PALANT to MRO on Thursday, August 06, 2020 08:37:42
    Re: Re: Cashless society is b
    By: MRO to Nightfox on Wed Aug 05 2020 11:12 pm

    Re: Re: Cashless society is b
    By: Nightfox to Tracker1 on Wed Aug 05 2020 04:40 pm

    growing up. In some ways, I kinda wish I still lived in an apartment so I wouldn't have to worry about any of that. Or at least a nice house without many issues
    bought a somewhat older one), perhaps without a yard or trees.. I've seen people put a slab of pavement in place of grass, which doesn't seem like a bad idea.


    pavement is expensive though.
    you can try having a wildflower garden. that's what people around me do.

    i hate cutting grass too. i used to be a pro grass cutter. i cut ballparks and everything. i have an electric mower and it's a pain because of the cord.
    then i have a gas mower but i think it needs to be sharpened. then if i use the gas mower i stink like gas.

    I moved to a mower model called Equus Ferus Caballus. They are big and unwieldly, but they are fully automatic - you leave them lose in an area and they trim the grass
    very quickly. If you have a male model and a female model, they will replicate and create a new mower every year. Their residues can be recycled and used for growing a
    healthy harvest. As a bonus, they provide lots of love and entertainment.

    --
    gopher://gopher.operationalsecurity.es

    ---
    Synchronet Palantir BBS * palantirbbs.ddns.net * Pensacola, FL
  • From Nightfox@VERT/DIGDIST to MRO on Thursday, August 06, 2020 09:22:31
    Re: Re: Cashless society is b
    By: MRO to Nightfox on Wed Aug 05 2020 11:12 pm

    i hate cutting grass too. i used to be a pro grass cutter. i cut ballparks and everything. i have an electric mower and it's a pain because of the cord. then i have a gas mower but i think it needs to be sharpened. then if i use the gas mower i stink like gas. ---

    Not just mowing a lawn, but also pulling weeds, trimming tree branches, etc..

    Nightfox

    ---
    Synchronet Digital Distortion: digitaldistortionbbs.com
  • From MRO@VERT/BBSESINF to Arelor on Thursday, August 06, 2020 22:41:31
    Re: Re: Cashless society is b
    By: Arelor to MRO on Thu Aug 06 2020 08:37 am

    I moved to a mower model called Equus Ferus Caballus. They are big and unwieldly, but they are fully automatic - you leave them lose in an area and they trim the grass very quickly. If you have a male model and a female model, they will replicate and create a new mower every year. Their residues can be recycled and used for growing a healthy harvest. As a bonus, they provide lots of love and entertainment.



    yeah but then you got the horse shit to deal with.
    ---
    Synchronet ::: BBSES.info - free BBS services :::
  • From MRO@VERT/BBSESINF to Nightfox on Thursday, August 06, 2020 22:43:06
    Re: Re: Cashless society is b
    By: Nightfox to MRO on Thu Aug 06 2020 09:22 am

    Re: Re: Cashless society is b
    By: MRO to Nightfox on Wed Aug 05 2020 11:12 pm

    i hate cutting grass too. i used to be a pro grass cutter. i cut
    ballparks and everything. i have an electric mower and it's a pain
    because of the cord. then i have a gas mower but i think it needs to
    be sharpened. then if i use the gas mower i stink like gas. ---

    Not just mowing a lawn, but also pulling weeds, trimming tree branches, etc..


    weeding is horrible. i'd love to have a garden again but weeding is like another job. you have to weed that shit every day.
    ---
    Synchronet ::: BBSES.info - free BBS services :::
  • From Moondog@VERT/CAVEBBS to MRO on Friday, August 07, 2020 11:59:00
    Re: Re: Cashless society is b
    By: MRO to Arelor on Thu Aug 06 2020 10:41 pm

    Re: Re: Cashless society is b
    By: Arelor to MRO on Thu Aug 06 2020 08:37 am

    I moved to a mower model called Equus Ferus Caballus. They are big and unwieldly, but they are fully automatic - you leave them lose in an are and they trim the grass very quickly. If you have a male model and a female model, they will replicate and create a new mower every year. Th residues can be recycled and used for growing a healthy harvest. As a bonus, they provide lots of love and entertainment.



    yeah but then you got the horse shit to deal with.

    You normally have to pay extra for the fertilizer attachment.

    ---
    Synchronet The Cave BBS - Since 1992 - cavebbs.homeip.net
  • From Tracker1@VERT/TRN to Nightfox on Monday, August 10, 2020 14:44:32
    On 8/5/2020 4:40 PM, Nightfox wrote:
    Finally bought a house about 2 years ago... After my last divorce I
    didn't think I'd go into a house again tbh, but rent seemed to go up
    about 60% in 4 years in my second to last apartment. I moved into the
    cheapest centrally located apartment I could find and for about 2 years,
    saved for a down payment. When I was closer to pulling the trigger, I
    stopped my tax deductions from payroll from 3 cycles and put that extra
    money with my savings as a down payment on a house.

    I bought my first house in 2015 after living in apartments for a long time. I don't really like doing yard work, and I'm not really experienced doing house repairs & such, since I didn't do much of that kind of thing growing up. In some ways, I kinda wish I still lived in an apartment so I wouldn't have to worry about any of that. Or at least a nice house without many issues (I bought a somewhat older one), perhaps without a yard or trees.. I've seen people put a slab of pavement in place of grass, which doesn't seem like a bad idea.

    Yeah, dealing with insurance etc for a leak from the master shower
    upstairs right now... can't believe how expensive it is. I don't have
    much of a yard to speak of, have a landscaper come by to spray for weeds
    once a month, that's about it for care... the backyard is stamped,
    stained concrete and the pool, the front is all rocks. The pool guy
    comes once a month. $60/mo for landscaper, and about $140/mo for pool.

    Just curious, what are you using to write your messages with? I've been
    using Thunderbird via nntp, but may look to other clients. Really want
    to make one of my own (nntp based bbs message and telnet client, with
    offline ability).

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Tracker1@VERT/TRN to Nightfox on Monday, August 10, 2020 14:48:04
    On 8/5/2020 4:41 PM, Nightfox wrote:
    There's also a huge variance between men and women on this... Single men
    are far more likely to rent. In general, financial advice is to buy
    only if you intent to stay in place for 5-10 years as that's the typical
    break even to get ahead point.

    I'm glad I've stayed in my house for 5 years now then.. My wife and I have been thinking of finding a new house that would suit us better.

    Yeah, daughter is in her senior year of HS, and will probably stay
    through her community college (down the street), will likely be looking
    at moving in another 4 years or so. Really like Boise, but seems it's becomming popular for California transplants now, part of why I want to
    get out of Phoenix is the political shift.

    Maybe South Dakota or New Hampshire, but will just have to see how
    things shake out. I have a feeling there may be a bigger political
    shifty as a backlash to the ongoing riots. Man, this really feels a lot
    like what I've read of Russian history from just over a century ago,
    it's like people don't respect the lessons of the past.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Tracker1@VERT/TRN to Dennisk on Monday, August 10, 2020 14:52:32
    On 8/6/2020 7:31 AM, Dennisk wrote:

    Median house price in Sydney is about a million AUD. Melbourne is a little cheaper, but not much.

    Good luck!

    People are holding off having children because they cannot afford the home, which means our wise managerial class want to prop the population by bringing in people, or allowing external investors to buy up our real estate.

    How people aren't rioting over this, I don't know.

    It will get interresting at the outset of the COVID lockdowns in terms
    of labor and how the economy recovers. I hope you guys don't relax
    foreign real estate investments, it's been a pretty bad result here in
    the US with crazy rent hikes over the past decade. A lot of that may
    well change with all the defaults on rent etc the past several months,
    and roughtly half the population not paying rent or mortgages last
    month. Will probably shift over into reforms on the credit agencies,
    which is way overdue esp regarding medical billing.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Dennisk@VERT/EOTLBBS to Tracker1 on Tuesday, August 11, 2020 09:24:00
    Tracker1 wrote to Dennisk <=-

    On 8/6/2020 7:31 AM, Dennisk wrote:

    Median house price in Sydney is about a million AUD. Melbourne is a little cheaper, but not much.

    Good luck!

    People are holding off having children because they cannot afford the home, which means our wise managerial class want to prop the population by
    bringing
    in people, or allowing external investors to buy up our real estate.

    How people aren't rioting over this, I don't know.

    It will get interresting at the outset of the COVID lockdowns in terms
    of labor and how the economy recovers. I hope you guys don't relax foreign real estate investments, it's been a pretty bad result here in
    the US with crazy rent hikes over the past decade. A lot of that may
    well change with all the defaults on rent etc the past several months,
    and roughtly half the population not paying rent or mortgages last
    month. Will probably shift over into reforms on the credit agencies, which is way overdue esp regarding medical billing.

    They are pretty relaxed as it is now. The laws are circumvented routinely, as the Real Estate Industry turns a blind eye to illegitimate sales to foreigners.
    I don't trust the RE industry to do the right thing, it is a den of jackals and liars. The government is too soft, and the RE lobby has a lot of sway politically, as they butter up their political "mates" to get what they like. You can see this when an RE developer demolishes a heritage building they are not authorised to, to build an apartment complex, you know, by "accident", and get a slap on the wrist.

    Australia is just a sheltered workshop for Real Estate spivs.

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  • From Nightfox@VERT/DIGDIST to Tracker1 on Monday, August 10, 2020 17:36:13
    Re: Re: Cashless society is b
    By: Tracker1 to Nightfox on Mon Aug 10 2020 02:44 pm

    Just curious, what are you using to write your messages with? I've been using Thunderbird via nntp, but may look to other clients. Really want
    to make one of my own (nntp based bbs message and telnet client, with offline ability).

    I've been using SlyEdit while logged into my BBS.
    I wrote SlyEdit, as an editor I wanted to use on my BBS..

    Nightfox

    ---
    Synchronet Digital Distortion: digitaldistortionbbs.com
  • From Tracker1@VERT/TRN to Nightfox on Thursday, August 13, 2020 01:52:20
    On 8/10/2020 5:36 PM, Nightfox wrote:
    Just curious, what are you using to write your messages with? I've been
    using Thunderbird via nntp, but may look to other clients. Really want
    to make one of my own (nntp based bbs message and telnet client, with
    offline ability).

    I've been using SlyEdit while logged into my BBS.
    I wrote SlyEdit, as an editor I wanted to use on my BBS..

    Cool, I have that setup for telnet.. I think the long line unwrapping is happening in my client... Some of the messages I was seeing from you
    were single quote on a long line. May just be a thunderbird thing.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Nightfox@VERT/DIGDIST to Tracker1 on Thursday, August 13, 2020 08:48:55
    Re: Re: Cashless society is b
    By: Tracker1 to Nightfox on Thu Aug 13 2020 01:52 am

    Cool, I have that setup for telnet.. I think the long line unwrapping is happening in my client... Some of the messages I was seeing from you
    were single quote on a long line. May just be a thunderbird thing.

    A while ago, I had updated SlyEdit to not do its own line wrapping. New message text typed by the user is saved as one long line. I thought message readers would be able to do their own line wrapping based on how wide it screen is.. I thought Thunderbird was intelligent enough to do its own line wrapping, but maybe not?

    Nightfox

    ---
    Synchronet Digital Distortion: digitaldistortionbbs.com
  • From Al@VERT/EQUINOX to Nightfox on Thursday, August 13, 2020 09:55:00
    On 13 Aug 2020, Nightfox said the following...

    A while ago, I had updated SlyEdit to not do its own line wrapping. New message text typed by the user is saved as one long line. I thought message readers would be able to do their own line wrapping based on how wide it screen is.. I thought Thunderbird was intelligent enough to do its own line wrapping, but maybe not?

    I think this is the best approach since we can't assume everyone is using an 80x25 screen like we always used to do (although I am using that now). It
    would be simpler to simply wrap those long lines for the display we are currently using.

    Mystic was just updated to not truncate long lines at 256 characters and if your paragraph above was written as a long line then that update did what it was supposed to do.. :)

    Ttyl :-),
    Al

    --- Mystic BBS v1.12 A46 2020/08/11 (Linux/64)
    * Origin: Equinox BBS - Penticton, BC Canada
  • From Nightfox@VERT/DIGDIST to Al on Thursday, August 13, 2020 13:11:01
    Re: Cashless society is b
    By: Al to Nightfox on Thu Aug 13 2020 09:55 am

    A while ago, I had updated SlyEdit to not do its own line wrapping.
    New message text typed by the user is saved as one long line. I
    thought message readers would be able to do their own line wrapping
    based on how wide it screen is.. I thought Thunderbird was
    intelligent enough to do its own line wrapping, but maybe not?

    I think this is the best approach since we can't assume everyone is using an 80x25 screen like we always used to do (although I am using that now). It would be simpler to simply wrap those long lines for the display we are currently using.

    Mystic was just updated to not truncate long lines at 256 characters and if your paragraph above was written as a long line then that update did what it was supposed to do.. :)

    It's good to hear some message readers seem to be wrapping text appropriately. :)

    Nightfox

    ---
    Synchronet Digital Distortion: digitaldistortionbbs.com
  • From Tracker1@VERT/TRN to Nightfox on Monday, August 17, 2020 02:39:04
    On 8/13/2020 8:48 AM, Nightfox wrote:
    Cool, I have that setup for telnet.. I think the long line unwrapping is
    happening in my client... Some of the messages I was seeing from you
    were single quote on a long line. May just be a thunderbird thing.

    A while ago, I had updated SlyEdit to not do its own line wrapping. New message text typed by the user is saved as one long line. I thought message readers would be able to do their own line wrapping based on how wide it screen is.. I thought Thunderbird was intelligent enough to do its own line wrapping, but maybe not?

    Kind of... for the new part of the message I am typing in, it will wrap
    based on the input settings. However, the quoted parts, it leaves as a
    long line after the > character. Not that it matters much to me, but
    may look weird to downstream readers. For example, I didn't modify the
    quoted part of my own reply, leaving line endings as-is.

    It's definitely a T-Bird thing... and I'm connecting via my local sbbs
    setup which is doing qwk polling through vert... I still need to work on
    the hub a bit at some point. I'm considering just creating a bespoke
    NNTP server for holding BBS messages and creating a program to poll vert
    to start with. Still want to get it setup so that other nets/sysops can
    setup additional areas and push/pull and allow for inter-bbs messaging promoting nntp as the transport.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20
  • From Tracker1@VERT/TRN to Tracker1 on Monday, August 17, 2020 02:41:58
    On 8/17/2020 2:39 AM, Tracker1 wrote:
    On 8/13/2020 8:48 AM, Nightfox wrote:
    Cool, I have that setup for telnet.. I think the long line unwrapping is >>> happening in my client... Some of the messages I was seeing from you
    were single quote on a long line. May just be a thunderbird thing.

    A while ago, I had updated SlyEdit to not do its own line wrapping.
    New message text typed by the user is saved as one long line. I
    thought message readers would be able to do their own line wrapping
    based on how wide it screen is.. I thought Thunderbird was
    intelligent enough to do its own line wrapping, but maybe not?

    Kind of... for the new part of the message I am typing in, it will wrap based on the input settings. However, the quoted parts, it leaves as a
    long line after the > character. Not that it matters much to me, but
    may look weird to downstream readers. For example, I didn't modify the quoted part of my own reply, leaving line endings as-is.

    It's definitely a T-Bird thing... and I'm connecting via my local sbbs
    setup which is doing qwk polling through vert... I still need to work on
    the hub a bit at some point. I'm considering just creating a bespoke
    NNTP server for holding BBS messages and creating a program to poll vert
    to start with. Still want to get it setup so that other nets/sysops can setup additional areas and push/pull and allow for inter-bbs messaging promoting nntp as the transport.

    Viewing source to my own message... the quoted part is indeed
    unwrapped... while my new part is wrapped. What's interresting is that Thunderbird will unwrap the wrapped portion of the message for display.

    Also, it will wrap the text within the viewport... just feels odd in the quoted area. In the reply to my own reply above, it is actually
    wrapping, so seems to only effect the initial reply, not nested.

    --
    Michael J. Ryan
    tracker1 +o Roughneck BBS

    ---
    Synchronet Roughneck BBS - coming back 2/2/20