@dafyre said in What Are You Doing Right Now:

@WrCombs said in What Are You Doing Right Now:

@dafyre said in What Are You Doing Right Now:

@WrCombs said in What Are You Doing Right Now:

playing with pfsense software router in Oracle VirtualBox.

After you get done poking around with pfSense, check out OPNsense -- it's pretty good too.

Same kind of thing? software router?
opensource?
I could just google it but I'm kind of lazy. lol

Yeah, pretty much same vein as pfSense. The last time I compared the two, OPNsense looked and felt a little more modern.

I wouldn't be afraid to use either of them for stuff.

pfSense was purchased years back and while still available, the open version is a 2nd class citizen

Ubiquiti does not release a docker image for UniFi. So you simply have to take your own risks with community stuff..

https://www.ui.com/download/unifi/

The official conference party was lame #ITEXPO

At the NTS Direct after party

@MontesVitalPBX

General

Brian with @Skyetel talking with @MontesVitalPBX at ITEXPO.

For @travisdh1

Just had dinner with Canyon from @Skyetel

Not visiting your booth…….

@Dashrender said in How to find lost phone numbers?:

@JaredBusch said in How to find lost phone numbers?:

@Dashrender said in How to find lost phone numbers?:

where are the 100 number I've been paying for for years that are suddenly not showing up on my bill?

They probably haven't been paying for them. They just did not know it. That is the point.

we don't have the full information.

But let's assume they bought 100 numbers in the past and they were being billed for them - how and why did they just drop off the bill would be my next question.

Because they made a change order and someone was not careful and they lost them. AT&T won't stop billing you just because you don't use something. They will bill you forever.

@Dashrender said in How to find lost phone numbers?:

where are the 100 number I've been paying for for years that are suddenly not showing up on my bill?

They probably haven't been paying for them. They just did not know it. That is the point.

@JasGot said in How to find lost phone numbers?:

I'll see if Skyetel can help since they are getting them.

You are porting and found these missing? Yeah, your incoming carrier is not going to be able to do more than look up who owns a number.

But they shouldn't tell you who that is.

@Dashrender said in How to find lost phone numbers?:

I guess the thing to do is call their telco provider and ask where the numbers are? why they aren't on the bill anymore, etc.

This is all you can do. Call the provider. But likely they were ignored and legally lost.

@gjacobse said in What Are You Doing Right Now:

@RojoLoco
Ouch - the '06 Ridgeline is getting close... We've had it for seventeen years now and just under 280k miles.. things are starting to let go... sigh.. been a good truck.

My 2010 Honda Insight is still doing ok at 275,000, but I had some bad luck the last month shatter the driver’s mirror and then 3 weeks later a tire and wheel.

@Dashrender said in Is Real Estate Actually a Good Investment on Average?:

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

@Dashrender said in Is Real Estate Actually a Good Investment on Average?:

@scottalanmiller said in Is Real Estate Actually a Good Investment on Average?:

@Dashrender said in Is Real Estate Actually a Good Investment on Average?:

lack of social interaction with peers - i.e. water cooler work.

Of course lack of #2 is good for the employer - should mean the employee is spending more time on the job...

That's awful for an employer. Employers don't make money by people not working nor from them "being at work". They make money from them working. Water cooler time isn't just bad, it's the absolute worst. Employees view it as "working" and the government views it as "working" and it carries all the costs of people working and all the risks and insurance problems... yet it has zero business value. Huge negative business value.

A smart employer wants the water cooler thing out the window more than almost anything. Water cooler time is loathed by productive employees who are there to work and it makes them disenchanted. It's mostly a tool to avoid work at the employer's expense.

Middle managers willing to sabotage their businesses for their own gains like water coolers because they make it easy to fool upper management that work is being done when really, everyone is lost and doesn't know what to do.

Did you miss where I said - "lack" of #2 is good for the employer?

Oh, must have, sorry. Yeah, lacking that is great.

While I completely understand where you're coming from for this - from an employee moral point of view - it's often a big factor.

Makes me wonder if the work day shouldn't be something more akin to 36ish working hours and 4 dedicated BS hours - at least that way everyone knows what's really happening.. but the reality is that some will always bend it more, not matter how much you give them.

He is also in one of the most unbalanced areas of the U.S. by choice . Most of the country does not have that type or rent vs mortgage disparity.

@scottalanmiller said in What Are You Doing Right Now:

Started fasting. Taking an 18.5 hour van ride at 3am. Don't want anything unnecessary in my system.

Our landing approach was super turbulent. Quite happy I only had an orange juice on the flight.

Just landed in Fort Lauderdale.
Here for ITEXPO

@Mario-Jakovina said in Is Real Estate Actually a Good Investment on Average?:

P.S. I bet you will be able to sell it for $463K in 2041. - at least because of inflation.

yeah......

@Mario-Jakovina my numbers were quick off the cuff showing only a part of the reality.

Obviously, not all of the money is in 2016 dollars, but it a simple number we can work for point of example without being in the future.

Fun times!!!!

@Jimmy9008 said in Is Real Estate Actually a Good Investment on Average?:

@Pete-S said in Is Real Estate Actually a Good Investment on Average?:

@Jimmy9008 said in Is Real Estate Actually a Good Investment on Average?:

@Pete-S said in Is Real Estate Actually a Good Investment on Average?:

@Jimmy9008 said in Is Real Estate Actually a Good Investment on Average?:

But, if I know I am going to be South East UK for at least a decade, owning is the only sensible financial choice.

Right, until you get sick long-term or have a divorce and you can't afford to pay your mortgage and you can't sell your house because nobody is willing to pay what you need to pay off your loans.

Renting is the SaaS of living arrangements.

Zero capital expense, zero risk, 100% agility.

Pretty much, shit happens.

If you are worried about possible future long term sick, get ASU insurance.
If you are worried about future divorce, well that sucks. Its still better to have 50% of a house than 0%.

There are lots of real world examples of shit happening. It still doesn't change the fact that renting is paying somebody else mortgage, when you could have your own and 'hope' to gain from it.

Everything has risk.

Yeah, but a shitty investment such as a single family home isn't worth that risk. It's a lot more financially responsible to rent your home and invest your capital in something better. Something that is not coupled to your living arrangements. Something you can sell and buy when the opportunity is right, not when you want to move.

If you like real estate there are plenty of things to own. Apartment buildings, commercial real estate for example.

The prices in the UK for renting are above what you would pay for mortgage payments. You are spending far more renting than you would not renting. That makes no sense.

See this is the thing people are trying to explain to you. Math doesn't work that way.

You are very confused if you think owning a home as an investment is a smart thing.

Owning a home is fine. Thinking of it as an investment is the issue of this topic.

I bought my house for $228,000 in 2016. I paid 10% down and the rest was a loan. I refinanced last year to take advantage of the lower interest rate and to drop my term to 20 years. I was 5 years into a 30 year term, so I gained 5 years on the payback also.

I don't' have my original amortization schedule handy, but for my refi I do.

My refi has an original balance of $205,986.
After making a payment of $1,168.34 for 240 months (20 years) I will have paid $280,401.60.

This means before any other expenses or values are calculated, I will have lost $74,415.60 over the term of this loan.

This is a shit ass way to start an investment return.

By the way, I only put 10% down on the original loan in 2016, because I knew the house needed remodeled. I drop approximately $25,000 to remodel everything in 2016.

So that puts me down $100,000 at the 20 year mark.

I converted the half bath to a full master bath in 2019 for $11,000.

So that puts me down $111,000 at the 20 year mark now.

I gutted 2 rooms and reinsulated them in the last 6 months for ~$4,000.

So that puts me down $115,000 at the 20 year mark now.

That means for my house to be a value as an investment, assuming I have zero other house only expenses (aka expenses that I would not also have as a renter), I would need to sell my house for $228,000 + $115,000 = $343,000 in 2016 adjusted dollars just to break even on my investment.

Edit:

Neglected a huge cost of owning a house in the U.S., property taxes. That would bring that $115,000 significantly higher as I currently pay ~$6,000 per year in property taxes. That comes to $120,000 over a 20 year loan.

So now I need to sell this house in 2041 for $463,000 (in 2016 dollars) just to break even.