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Addiction LXXV

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Road Cycling “It is by riding a bicycle that you learn the contours of a country best, since you have to sweat up the hills and coast down them. Thus you remember them as they actually are, while in a motor car only a high hill impresses you, and you have no such accurate remembrance of country you have driven through as you gain by riding a bicycle.” -- Ernest Hemingway

Addiction LXXV

Old 08-08-19, 12:55 PM
  #1826  
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Thunderbolts and lightning. Very, very, frightening....

… no ride this afternoon.
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Old 08-08-19, 12:59 PM
  #1827  
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I didn't care for the beach in Miami, so I am guessing that the Delaware/NJ ones won't be for me.
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Old 08-08-19, 01:51 PM
  #1828  
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Originally Posted by PepeM View Post
Wait a second, $6k a year on taxes for owning a house? Add maintenance and stuff and I think that I might as well rent forever.
The taxes on my small, two-story, 100+ y.o. row home in the city are over $4K. The city is totally overvaluing houses. If I were not so lazy I would get comps and challenge the next valuation. Filed an informal challenge for this year and got them to knock it down a bit, but I still think the valuation is too high. There are a lot of different types of homes in my area. Different sizes. Different ages. My suspicion is that the city is lumping them all together and calling the sales comparables when they are not comparable at all. Whatever the city is doing, it smells. My last valuation went up more than 20% from the previous year. So did a lot of peoples' in certain other neighborhoods populated by non-poor people. No way real estate values went up more than 20% in one year.

But keep in mind that when you rent you are paying at least a portion (if there is more than one unit in the building) of the owner's real estate taxes, maintenance and even mortgage, all while building no equity.
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Old 08-08-19, 02:31 PM
  #1829  
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Originally Posted by PepeM View Post
Wait a second, $6k a year on taxes for owning a house? Add maintenance and stuff and I think that I might as well rent forever.

I guess I should figure all of this someday. Meh, maybe in a few years.
If you are going to be living in ONE spot for several years (4 or 5+) then owning may make more sense. If you want the flexibility and/or won't be in one place for 5+ years, renting makes more sense.

#conventionalwisdom
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Old 08-08-19, 02:34 PM
  #1830  
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If I didn't get a senior citizen break on my R.E. taxes, mine would be $6,000 for a 1700 sf house with city services. I only had to pay partial taxes this year (new house) but they will probably be ~$4500 next year, guessing.

Illinois is one of the higher states for all combined taxes in the country. Not the highest, but right up there. That's why we currently have a population and business flight going on.
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Old 08-08-19, 03:05 PM
  #1831  
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I don't worry too much about taxes. The biggest financial concern I worry about for the next decade is healthcare insurance/coverage. The cost is out of control. Sad!
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Old 08-08-19, 03:09 PM
  #1832  
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Our property tax is close to 9,000 for a nominal 2200 sq ft house.
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Old 08-08-19, 03:28 PM
  #1833  
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Originally Posted by datlas View Post
I usually drink drip coffee at home and at work. Tastes great (to me) black.

But today, I came to work a little late and no one made a pot....so to economize I made a single serving K-cup of coffee instead.

I don't know if I did it wrong, but this stuff tastes vile. So bitter! Anyone else have a similar experience?
I’m usually at work by 6:00 am while the rest of my family is still asleep, and that means I have to make a thief’s exit with no coffee at all. Work place has one of these leased NewWay/NextWay or something coffee machines. I usually can’t wait till next saturday so I can have a nice cup of coffee at home.
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Old 08-08-19, 03:46 PM
  #1834  
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Originally Posted by kissTheApex View Post
I’m usually at work by 6:00 am while the rest of my family is still asleep, and that means I have to make a thief’s exit with no coffee at all. Work place has one of these leased NewWay/NextWay or something coffee machines. I usually can’t wait till next saturday so I can have a nice cup of coffee at home.
A few years ago there was a whole Addiction sub-thread on coffee and my recollection is the consensus was the "Aeropress" was the best coffee-making system.

I am still a fan of drip coffee.
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Old 08-08-19, 03:50 PM
  #1835  
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Happy International Cat Day. From Jackie!

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Old 08-08-19, 04:07 PM
  #1836  
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Originally Posted by BillyD View Post
Getting back to pups, mine is 4 months old now and quite the handful as we struggle with the house training. Calling her names doesn’t seem to faze her one bit.

What a sweetheart! I know, likely not in actions, but what a doll.

Indy's registered middle names are "Slightly Wicked". Jeez she was a pita. Anything that wasn't bolted down was hauled into the backyard, through the doggie door. Dog beds, rugs, pillows, shoes. She wasn't destructive, just industrious.
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Old 08-08-19, 04:23 PM
  #1837  
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My rates are $2,500 pa for a 731m² section with a 120m² house. The rates rose this year. They'll rise next year as well. After all the only certainties are death and taxes and at least death happens only once.
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Old 08-08-19, 04:27 PM
  #1838  
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Originally Posted by indyfabz View Post
But keep in mind that when you rent you are paying at least a portion (if there is more than one unit in the building) of the owner's real estate taxes, maintenance and even mortgage, all while building no equity.
This. Plus a little bit of profit for the landlord as well. If you move regularly it is usually still more cost effective to rent.
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Old 08-08-19, 04:29 PM
  #1839  
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Originally Posted by datlas View Post
A few years ago there was a whole Addiction sub-thread on coffee and my recollection is the consensus was the "Aeropress" was the best coffee-making system.

I am still a fan of drip coffee.
We have a small espresso machine at work. I have a similar home espresso machine at home. The coffee is good. I won't ever drink instant. If there is no real coffee available I'll drink tea or rooibos
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Old 08-08-19, 06:35 PM
  #1840  
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@gnome What machine are you using?
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Old 08-08-19, 07:10 PM
  #1841  
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Originally Posted by Trsnrtr View Post
@gnome What machine are you using?
At home an older version of this. At work an older version of this.
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Old 08-08-19, 07:40 PM
  #1842  
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I’m going to get something, soon.
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Old 08-08-19, 07:54 PM
  #1843  
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I'm fine with drip. Currently running Eight O'Clock Columbian Peaks Medium roast.


Mmmm good.
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Old 08-08-19, 08:04 PM
  #1844  
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Greetings from southern Belize. Mostly we won't have signal here. It's nice to be back, after 11 years away.
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Old 08-09-19, 05:59 AM
  #1845  
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Originally Posted by seedsbelize View Post
Greetings from southern Belize. Mostly we won't have signal here. It's nice to be back, after 11 years away.
Pics??
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Old 08-09-19, 06:32 AM
  #1846  
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Coffee station at the rjones28 cafe.

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Old 08-09-19, 07:10 AM
  #1847  
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Here’s my work setup:

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Old 08-09-19, 07:28 AM
  #1848  
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Well, if it's Hot or Not, Coffee Edition, here's my set-up (old pic, from back in Brooklyn) -

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Old 08-09-19, 07:37 AM
  #1849  
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It's only me, and I only drink coffee in the morning, so I simply use this at home and when on tour. You can drink right from it. I have a full size glass Bodum French press in case I ever get lucky again.

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Old 08-09-19, 07:43 AM
  #1850  
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Originally Posted by datlas View Post
I don't worry too much about taxes. The biggest financial concern I worry about for the next decade is healthcare insurance/coverage. The cost is out of control. Sad!
IKR. It's probably the one thing that will keep me working until at least age 60. I have such good coverage through work (no referrals or pre-authorizations needed, at least for common things like MRIs, relatively low deductible of $1,350, max out-of-pocket of $6,000 year), and because of my unique situation I don't have to contribute to the cost. That's a hard thing to walk away from.
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