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VMFA187

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Everything posted by VMFA187

  1. VMFA187
    Hahaha. That's funny. I've attempted legitimate conversations to discuss issues but end up getting yelled at, by friends even, because many of those on the left are driven by their emotions and feelings on issues, not actual facts. Look at any attempt for a conservative spokesperson to speak at a college campus - Liberals/leftists start yelling, screaming, and completely shut down any ability to have a discussion.
  2. VMFA187
    At least in downtown San Diego the cops have been forcing the homeless / addicts to take their tents down during the day...
  3. VMFA187
    No need for personal attacks.
  4. VMFA187
    I have considered that, but in the past shied away because I like the security of knowing I "soon" will have one home paid off should anything devastating happen. That's probably not the savvy financial answer I should have provided but it has been my reasoning. Perhaps continue to pay down the home until it's nearly zero, then cash-out refinance to purchase a new property?
  5. VMFA187
    Thank you - But let us not forget I did ask a bunch of military pilots for financial advice! 🍻 Unless you were being sarcastic... Hard to tell on here.
  6. VMFA187
    My current DTI is 22%. Real estate is our only debt. We pay everything else with AMEX and pay it off every month. I don't. It's financed. I could pay the notes on both my SC and CA homes if the AirBnB and both tenants at Beaufort went to 0% occupancy. Yes. If that would allow me to purchase an additional property or two. No. I owe $120k on SC and $1.2m on CA. Only have roughly SC available immediately. Valid concerns but I also don't want to ignore the fact that rents seem to be consistently rising and 1/4 to 1/3 of single family homes are now being purchased by large investment companies.
  7. VMFA187
    Well the past 48 hours ruined my near future plans. I was late to the game in investing - Didn't really start until I left active duty in 2018 (spent all my money on cars and motorcycles up until then) and after simply contributed to get the max match from Boeing and now LM. Fortunately I (by pure luck) timed the market well with real-estate and bought a commercial/residential unit in SC in 2012 when I got to my first gun squadron that has increased in value 2.5x in 10 years and has a tenant upstairs and downstairs that both combined end up paying over double my mortgage. In 2020 I then moved to CA and and bought a home at 1.75% (after a refi) which has increased by $800k in two years, that has a pool house which we AirBnB that each month pays the entire mortgage. Now a couple questions for those in the room: 1) I had been paying and extra $2,000/mo towards the principal on my SC property which would have it paid off in five years, 15 years after purchase. I recently stopped that because we had been planning to buy another investment property (STR) in the Julian area of CA. I made a competitive offer - Full ask with no seller assistance and got beat by three cash offers all over asking (this was two weeks ago.) Should I start throwing that $2,000/mo back towards paying off my SC home so that I can turn that into pure income once it's paid off or put that money elsewhere? I don't think I can make competitive offers against cash now that mortgage rates are 6.5%. 2) I've been doing 8% to get my 4% match, tomorrow I'm over the $147,000 social security contribution limit - Do I put the excess $260/wk back into my 401k? Or is there somewhere better? 3) Any idea of up and coming housing markets? All the research I'm seeing state that the best time to get into another real estate investment probably won't be until Spring/Summer 2023 when sellers finally capitulate to the market and not what their neighbors got six months ago. I'd prefer to invest in something nearby, but it seems SoCal is impossible for anyone with not big backers at this point...
  8. VMFA187
    All, I came across a really great property yesterday in an area that we have quietly been eyeing for some time. I didn't anticipate it garnering so much attention and was caught off guard when the sellers agent stated that they would be accepting offers through Monday. After talking with the wife I knew we wanted to give it a shot so I messaged Jon from Trident Home Loans around 2pm PST. He told me to call him and we spoke at length running rough numbers over the phone while we drove home. Just over 12 hours later, with one of his guys working the process at 3am PST on a Sunday, I had the pre approval letter to provide to our realtor along with our upcoming offer. Second time I've worked with Jon and can't recommend him highly enough.
  9. VMFA187
    A Rhino variant would have made the most sense certainly. Simple transition for the legacy Hornet pilots and maintain the relationship with the Navy.
  10. VMFA187
    Hey! I wanted to paint a star on my jet as much as any other dude! But thank you, you made my point more eloquently than I did. I'm not arguing with you - You're right. But we are rapidly leaving the 4th generation fighter game and we still have to support our Marines on the ground. So we make due with what we have.
  11. VMFA187
    I'd venture to say that a Marine F-35 squadron is more proficient at CAS than an AF F-35 squadron because it is something the organization takes pride in.
  12. VMFA187
    The F-35 is a capable CAS platform. It might not have the same ability to bring ordnance to the fight as a F-15E or A-10, but 6 bombs per aircraft is more than I ever carried in the Hornet in actual combat. And I'm hitting the same TOTs, and many of our CAT-1s are as well - Plus or minus 5", that I did in the Hornet. Granted, a great deal of that is due to the fact that there is no "Contact the mark ... from the mark West 50 ... Tally Target in 090." Its a lot less busy employing only 12s and 32s vice 82s, 83s, and 84s.
  13. VMFA187
    Dude deserves to get that flute shoved so far down his throat that it kills him.
  14. VMFA187
    You guys are right, I've been instructing studs in the Battle Penguin for too long. "Time to do some of that pilot shit!"
  15. VMFA187
    The Hornet is a great CAS platform, but I wouldn't want to operate one over there. Concur. CAS is a hell of a lot less effective when you're ingressing from a CP/IP at 480KGS, popping, attempting to slew the TPOD as you establish 30* NH only to roll in 2-3" later, and have <6" in the dive to locate the target. Pretty easy when all you have to say is "captured, strike posture set" and hear "push when able."
  16. VMFA187
    I got into crypto about 13 months ago. Ended up finding an old 401k and put about 60k into different coins. About 4 months in I was up to $137k. Figured if this kept going for a couple years I wouldn't have to work full time anymore. Fast forward to now and I've got a solid $15k worth. 😆 Live and learn. Real estate seems like the best bet long term from what I've seen since I've been a homeowner. Time will tell.
  17. VMFA187
    Wrong. Some people love actually feeling like they are for once in their lives doing something for the "common good" by playing along and attempting to force others to do the same. While those people may "say" they don't like covid restrictions, they do.
  18. VMFA187
    Concur. I'd take the high school quarterback with a 3.0 in international relations over the above for a fighter pilot. If you want a degree that pays for the cost of itself and then makes money, maybe get a degree that has some value in the commercial sector. We are a tiny minority of people who buck the trend of degrees and wages.
  19. VMFA187
    You're right, maybe doing it early isn't the right answer now. Maybe get established, make your life stable and then start a family. People live longer now...? Non-useless - Math, actual sciences (not the social science degree I got because I knew I wanted to fly and only had to run fast, do lots of pullups, and have a degree for the Marine Corps), engineering...
  20. VMFA187
    I don't know that it was the boomers that played a large role in millennials' attitudes, but rather millennials doing that to their children. If you have a chance pick up The Coddling of the American Mind. Phenomenal read that explains so many of our current societies' ills. Or just look listen to Rogan's interview with Greg Lukianoff.
  21. VMFA187
    I saw the first video several days ago one morning. I typically watch YouTube from 0445-0515 while I drink coffee before I workout prior to showing up to work at 0645-0700. It was educational and entertaining. Unfortunately millennials think they are owed something which is probably perpetuated by the media and social media - You aren't owed shit. Work hard, be dedicated, and generally things work out. Spend your money on vacations, double venti coffees, and it doesn't. Nice. Most people I know "could" buy a home, they are just unwilling to relocate. I live in San Diego where the median home price is over $1m. The same people who complain about home prices, I drink with fairly often, and our individual tabs are greater than $200. Valid regarding wages and inflation - I just got a 3.5% raise when inflation is 8.6%. Sucks when for every $100k you make you are losing $4k just due to inflation. It is the responsibility of the individual to understand the technology if they want to benefit from it, not the government's responsibility to help people understand how it impacts them. We have forgotten the concept of "personal responsibility." Its unfortunate. Would you retire if you are crushing it? Human beings are inherently selfish. People now for some reason don't believe that and want to think that people are inherently "good" when they aren't. Sure, college costs have risen at a ridiculous rate. But many of those burdened by insane college loans pursued useless degrees AND used those loans to finance their living expenses for those four plus years. Millennials also have vastly different values than the baby boomers who wanted to start a family early and own property. Many millennials want freedom and to work as little as required in order to satisfy their expenses.
  22. VMFA187
    So the boomer generation is the root cause problem that this country faces? Is that what you're saying? "The ultimate 'me' generation..." Wow. What are the millennials' issues? I'm one so I'd like to hear your thoughts.
  23. VMFA187
    If you have an American flag, an Italian flag, an Irish flag, and a USAF symbol bumper sticker on your car/truck... You're a tool. And so are these people who have to advertise their "identities."
  24. VMFA187
    DRG is currently trying to work a contract where they have civilians instructing in the F/A-18A-D at Miramar for FY23. Pay is suppose to be around $300k/yr. Similar to what they do with the F-15SA and QA, only you get to stay in the states but also lose out on the $450k/yr those dudes in the Middle East make.
  25. VMFA187
    Heard from a Marine fighter pilot - "A no-go pill, a few beers, and a couple of smokes and you're in a whole other world."
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