#munis the 30 minutes i had

[ivormybeloved]

Animation I want to share with you all

[hystericalgynophobia]

Petite maman, Roma, Branded to Kill, Freaks/The Unknown/The Mystic: Tod Browning’s Sideshow Shockers, Cure, Mulholland Dr., The Cremator, Twin Peaks: Fire Walk With Me, Pan’s Labyrinth, Nanny, I Walked with a Zombie/The Seventh Victim: Produced by Val Lewton, Inland Empire, The Innocents, Dressed to Kill, The Vanishing, Two Films by Marguerite Duras (India Song and Baxter, Vera Baxter), All That Jazz, The Night of the Hunter, Sunday Bloody Sunday, Safe, 3 Women, Cold War, Real Life, Tampopo, Happiness, John Cassavetes: Five Films (Shadows, Faces, A Woman Under the Influence, The Killing of a Chinese Bookie, and Opening Night), The Learning Tree, Thelma & Louise, The Fisher King, The Rose, To Sleep with Anger, La Jetée/Sans Soleil, Perfect Days, Fear and Loathing in Las Vegas, Election, King of Jazz, After Hours, Chilly Scenes of Winter, Girlfriends, A Whit Stillman Trilogy: Metropolitan, Barcelona, The Last Days of Disco, Man Bites Dog, To Die For, Trainspotting, La cérémonie, Women on the Verge of a Nervous Breakdown, Walker, The Worst Person in the World, La Llorona, and The Piano.

i already had: House, Eve’s Bayou, The Complete Lady Snowblood, Valerie and Her Week of Wonders, Repulsion, Picnic at Hanging Rock, Woman in the Dunes, The Piano Teacher, In the Mood for Love, In the Realm of the Senses, Babette’s Feast, The Lure, The Virgin Suicides, and Black Orpheus.

i didn’t actually mean to keep The Vanishing on there but it apparently didn’t track my deletion because their website sucks. I also meant to look up Santa Sangre but had made this list yesterday and didn’t realize that when I got back on the computer it would end in less than 30 minutes.

for everything else I tried to prune by adding things to my new criterion channel account, which included: Walkabout, The Funeral, Kuroneko, Eyes Without a Face, The Vanishing (whoops), The Brood, Inland Empire (idk i just feel like I remembered it being harrowing and was therefore enough to buy a disk), Peeping Tom, Carnival of Souls, The Cremator (love it), Cure (love it even more), Night of the Living Dead (I remember loving this but waffled on whether to buy it or not), Secret Sunshine, Mamma Roma, Night Games, La Llorona (I just really feel like i’m going to like this which is why i bought it along with several others, most on here i haven’t seen - not even Thelma & Louise, but others like Trainspotting et al i have and loved), Exotica, Teorema, Every Man For Himself, White Material, Tie Me Up! Tie Me Down!, La cérémonie, Nowhere, Man Bites Dog (love this), The Celebration, As Long as You’ve Got Your Health, American Girl: A Profile of Steven Prince (I don’t know why this says American Boy on it), The Face of Another (out of print :( i loved this), The Doom Generation, Eating Raoul, The Graduate (remember liking this), Girlfight, La Jetée (love this, trying to get my fiancé to watch), Solaris, Stalker, Not a Pretty Picture, High and Low, Eyimote (This Is My Desire), Paris is Burning (I remember liking this), After Life, Naked, Original Cast Album: “Company”, Yojimbo, Daisies (always wanted to watch this), Tampopo (it’s a foodie film of course I went ahead and bought it, did you miss Babette’s Feast up there?), Ikiru, A Man Escaped, Persona (I remember watching this on muni but not well), Cleo from 5 to 7, A Woman Under the Influence (would you believe I’ve never actually seen any sort of cassavettes film?), Wanda, La Ciénaga, The Red Shoes (remember watching this on muni and liking it), The Night of the Hunter, Medea (ALWAYS wanted to watch this pasolini), Elvira Madigan (been on the hunt for this since reading about it in The Terror of History: On the Uncertainties of Life in Western Civilization, which was one of the first books I bought after getting back into reading… after The Madwoman in the Attic and House of Psychotic Women ofc, the first of which was my first new purchase on kindle on my own, after getting Codependent No More at the recommendation of a therapist and buying Haunted: A Novel so i could post the short story “Exodus” that i love so much on here), Black Narcissus (the graphic novel House of Women was literally just a sci-fi version of this, it literally said that), Empire of Passion, Sisters, Branded to Kill, Juliet of the Spirits (I’ve always gotten this confused with Nights of Cabiria which i actually have seen but which is out of print), Onibaba, Portrait of Jason (i think I watched this long ago on muni but I might be wrong, it looks familiar though), The Last Picture Show, Mikey and Nicky (SOMEONE on here keeps talking about this so obv I have to see it), Night on Earth, Story of a Prostitute, Yi Yi, As Tears Go By, Hua yang de nian hua, Blue Valetines (a double feature of Brief Encounter and In the Mood for Love), Chinese Odyssey 2002, My Heart Is That Eternal Rose, The Eagle Shooting Heroes, Chungking Express, Days of Being Wild, Fallen Angels, Happy Together, and, finally Horror F/X which consists of The Fly, The Entity, Life-force, Island of Lost Souls, An American Werewolf in London, Creature from the Black Lagoon, The Curse of the Werewolf, The Fog, The Company of Wolves, Day of the Dead, Frankenstein, Bride of Frankenstein, somehow Night of the Living Dead again, Scanners, and Eraserhead. i also apparently saved something called Sofia Coppola’s Adventures in Moviegoing and another called Barry Jenkins on Chungking Express.

i haven’t actually gone through the channel to see what all is streaming though, I was just cross-referencing with things i had wanted to purchase. i also haven’t checked my long-outdated mubi watchlist, which is in the hundreds, to see what all is offered and what is available on there. when they were just starting out the rentals (not the general stream every day stuff) they randomly gave me a year for free for being a loyal customer or something. i barely used it. it’s time to rectify that mistake.

hey just letting you know the criterion 50% flash sale ends in like 10 minutes. i know because i just bought 50 items.

[mymusicmemories]

The Who - June 29th 1989 - Giants Stadium, East Rutherford, NJ

Set 1 -

Overture

It’s A Boy

1921

Amazing Journey

Sparks

The Acid Queen

Pinball Wizard

Do You Think It’s Alright

Fiddle About

I’m Free

Tommy’s Holiday Camp

We’re Not Gonna Take It

Friend Is A Friend

A Little Is Enough

Save It For Later

I’m A Man

I Can't Explain

Substitute

I Can See For Miles

Trick Of The Light

Boris The Spider

Who Are You

Set 2 - 

Magic Bus

Mary Anne With The Shaky Hands

Baba O’Riley

My Generation

Let My Love Open The Door

5:15

Love, Reign O'er Me

Love Hurts

Too Late The Hero

My Wife

Sister Disco

Rough Boys

Join Together

You Better You Bet

Behind Blue Eyes

Won't Get Fooled Again

Encore - 

Barefootin’

Hey Joe

In 1986 I was a freshman in high school. I think it was a very typical city high school. You had all the typical “high school movie” social clicks and then there was me. Me, the fat kid with my long hair,  leather jacket and combat boots. I didn’t really fit in anywhere. I had a “friend” or two in every group, and they would vouch for me and it was cool, but it was never my tribe. I had a couple good friends, friends that I still have to this day, but I never felt understood.

I had always been a classic rock fan. I grew up with WNEW in New York, home of Scott Muni and his lunchtime Beatles block and Carol Miller who was “Getting The Led Out” at 8pm every night. I was familiar with The Who, but only the radio hits. I bought The Who’s Tommy on cassette, mostly for Pinball Wizard and The Acid Queen. What I discovered was songs that seemed like they were written for me. I was a kid who felt like he was never seen, heard or touched. I was Tommy. I spent weeks with Tommy exclusively in my Walkman. That was until I bought Who’s Next. Who’s Next changed me. Changed how I listened to music. It forced me to think about lyrics. Forced me to think and feel. 

I was still the fat kid with the long hair, leather jacket and combat boots, but at least someone understood me, at least Pete Townshend understood. Roger Daltrey spoke, no, screamed with the anger I felt and sang with the love I desired. Keith Moon’s drumming was the manic thoughts in my head. I would later discover the magic in John Entwistle’s bass playing. 

In 1989 The Who announced some dates in LA, New York and London. They were celebrating Tommy’s 20th Anniversary. Sadly I couldn’t get tickets but then they announced a tour. I wasn’t going to miss The Who in concert. This would be my first concert.

My friend Billy and I lied to our parents, I was staying at his house, he was staying at mine. We took the bus from Bayonne to Jersey City, a long 20 minutes, we walked about a half a mile to a video store (remember video stores?), and camped out all night. Although we were probably the youngest ones there, we were part of the scene that night. The music blasted in the parking lot, there was a lot of smoke and a lot of beer. I do admit I stuck with soda and I couldn’t afford a cigarette or whatever they were smoking, even if I wanted one. All my money was going to this ticket.

The next morning we got in line and got two tickets. The concert was two weeks away. That’s how it was done then, tickets didn’t go on sale the year before, you bought your tickets and you saw the show.  It was over 30 years ago, but I still remember we were sitting in section 131. I had been to Giants Stadium before, for football, but I never sat in the lower bowl. It was a whole new world.

To be honest, the beginning of the show is hazy. I remember them opening up with most of Tommy. I was just in complete awe. My first show with 60,000 people, the lights, the sounds, the stage, just awe. “Sparks”, of all songs, stands out but my memory of the show really starts with Pete’s solo set after Tommy. It was kinda jarring to me when Roger left the stage. It was good, real good, but I was there to see The Who. 

When Daltrey came back out the band tore the place down for, what seemed like hours. They played everything. John Entwistle stepped up and played “Trick Of The Light”. This was a surprise for me. I always thought of this song as my secret, and now I was sharing it with 60,000 other people and it felt so good. I found my tribe, all of us there for one reason, this great music. Music that meant so much to all of us. 

When I looked around I saw old hippies (who were younger then then I am now), suits and ties who came right from their offices, moms and dads out for a date night, drunks and potheads, and guys like me. We sang together. We danced together. We were there together. 60,000 people making one sound. I was hooked. Over the next 30 years I would spend a ridiculous amount of money and time seeing the bands that have meant so much to me. It was all worth it.

[aion-rsa]

Once Upon a Time in America Is a Movie That Can Never Be Too Long

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Sergio Leone’s Once Upon a Time in America is as epic as The Godfather, gorier than Goodfellas, and as streetwise as Mean Streets. It tells a full history, from childhood to old age, street hustles to political suicides, community toilets to opium dens. The version which is right now available on Netflix has been amazingly restored by Italy’s Bologna Cinematheque L’Immagine Ritrovata lab. I don’t think I have ever seen the film so clear, and it is a perennial to me, as is The Godfather.

It’s true, even the most devoted gangster fan and cinephile doesn’t watch Once Upon a Time in America as often as The Godfather, and it’s got Robert De Niro at his most gangta. For one thing, Leone’s film has never been as accessible. It is not shown regularly on any kind of broadcast channel, and even the film’s own producers thought it was too long for people to sit through. Pop culture history makes it sound like Once Upon a Time in America had a short version that ran 10 hours and a long version that ran a week.

How Long is Too Long for Once Upon a Time in America?

The truth is, Leone did have up to 10 hours of finished cinematic material, which he cut down to six hours. He wanted to put it out in two parts, much like the initial saga of The Godfather was extended into a sequel. Leone’s original vision for the film was two 180-minute motion pictures which would be shown on consecutive days. After the initial run, he planned to edit the two parts down for a general release which would run as one four-hour and 29-minute film.

Film distributors convinced Leone to release a “Director’s Cut” feature at a running time of 3 hours and 49-minutes, with no intermission, which was the version shown at the 1984 Cannes Film Festival (Martin Scorsese led the push to restore the original version, which was shown at Cannes in 2012, though it’s still missing 18 minutes). This version caught on in Europe. But American audiences saw an even more butchered cut in 1984. The U.S. financial backers, The Ladd Company, founded by actor Alan Ladd’s son, cut 90 minutes from the already-edited film, bringing it to two hours and 19 minutes. But they also restructured the film, cutting the flashbacks-within-flashbacks to present the story chronologically.

This most affects the opening, which is an extended action sequence told with the expressionism of a silent film and the nihilism of post-war Italian neorealism. It is a bit of a jumble coming out of an opium dream. Noodles is on the run, behind in the game, and stoned out of mind. The flashbacks create a cognitive dissonance, and the audience experiences the freefall in a visceral way. By the time they land, it’s in the beginning of a story, which may all be an opium dream. The longer version did play at art cinemas in the U.S. Having seen both on their initial release, this writer preferred the long version of the crime classic, but will admit, they could have answered a phone in the opening sequence before it rang 30 times.

I’d Watch an 8-Hour “Making of” Documentary on This

The production of the film is worthy of a star-studded documentary itself. Leone devoted most of his adult life to getting it done. He turned down The Godfather to make it. Once Upon a Time in America is the final entry in Leone’s “Once Upon a Time” trilogy. It followed Once Upon a Time in the West (C’era Una Volta Il West) (1968), and Once Upon a Time in the Revolution, which came out in 1971 as Duck, You Sucker!. One of the first America drafts was written by Norman Mailer, the author of the novel The Naked and the Dead, and Marilyn: A Biography, the 1973 Marilyn Monroe biography which first speculated the Hollywood icon had been killed by the FBI and CIA. Leone told American Film magazine the novelist was not “not a writer for movies,” but wasn’t satisfied with a screenplay until the end of 1974.

Leone first became interested in making Once Upon a Time in America while making Once Upon a Time in the West. He came across the book The Hoods, which is described on its cover flap as “a notorious mob boss of the syndicate tells the full inside story of hired killing and crime operations.” Published in August 1952, it was very open about Jewish gangster life during the 1920s and ‘30s. It was written by Hershel “Noodles” Goldberg under the alias Harry Grey.

Goldberg also wrote the 1958 book, Portrait of a Mobster, about Jewish mob legend Arthur “Dutch Schultz” Flegenheimer. He wrote The Hoods while serving time in Sing Sing prison. Leone met with Grey in a New York City bar, according to Christopher Frayling’s 2012 book, Sergio Leone: Something to Do with Death. The author was still in hiding from his former mob associates. The renowned Spaghetti Western director didn’t find a heroic figure like “Paul Muni in Scarface or James Cagney in The Public Enemy,” in the bar. Instead there was a poor man “with a machine gun in his hand and a Borsalino on his head.”

I’d watch a 12-Hour Version of the Original Cast of the Unmade Film

Leone began casting in 1975. When The Hoods begins, the leading characters are teenage criminals. Richard Dreyfuss was first cast as young Noodles. The older version of the character was to be played by James Cagney, who hadn’t made a film since Billy Wilder’s One, Two, Three in 1961. He wouldn’t make another until 1984, the year Leone’s film was finally released, when he appeared in Miloš Forman’s Ragtime. That film also stars Elizabeth McGovern, who plays adult Deborah in Once Upon a Time in America. French actor Gerard Depardieu was cast as young Max, and the part would pass to veteran actor Jean Gabin, an icon of French gangster films.

This is true dream casting. Dreyfuss made his mob movie bones playing Baby Face Nelson in Dillinger (1973) and would go on to become an acting institution. Cagney was an acting legend, who began his career creating young gangster icons. Judging from the outstanding acting performances Leone got from Hollywood Golden Age actors like Henry Fonda, it would have been a masterwork.

Leone brought out unsuspected feats of greatness from veteran actors who had been subject to the rules of mainstream cinema. It would also be wonderful just to watch Cagney and Gabin create onscreen dynamite together. Meanwhile Gabin is probably best known as the lead in Jean Renoir’s 1937 antiwar masterpiece, La Grande Illusion. But that was also the year he played “The Prince of Plunder” in director Julien Duvivier’s Pépé le Moko (1937). That gangster-in-hiding title role established him firmly in French crime cinema, and it should be seen by any fan of Casablanca or Algiers. He also starred in Jacques Becker’s mob film Touchez pas au grisbi (Don’t Touch the Loot) (1954), and plays the capo of the Manalese crime family in director Henri Verneuil’s The Sicilian Clan (1969).

I would gleefully binge 10 hours of Gabin and Cagney rehearsing.

And I Could Watch the Final Cast All Weekend

I’d also binge rehearsals for the cast that ultimately wound up filming Once Upon a Time in America. Robert De Niro, as grown-up David “Noodles” Aaronson, was in his prime. He was already gangster film royalty, having played in The Gang that Couldn’t Shoot Straight (1971), Martin Scorsese’s Mean Streets (1973), and as young Vito Corleone in The Godfather, Part II. His Jake La Motta took a career-killing dive for the mob in Raging Bull (1980). But while De Niro also proved he could play psychopaths like Travis Bickle in Taxi Driver (1976), that part was better filled by his co-star.

Read more

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Why The Godfather Part IV Never Happened

By Don Kaye

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The Godfather Coda: The Death of Michael Corleone Proves a Little Less is Infinitely More

By Tony Sokol

James Woods, who plays the adult Maximilian “Max” Bercovicz, created one of the most convincing sociopaths of crime cinema in The Onion Field (1979). He also brought one of the sleaziest characters in science fiction to David Cronenberg’s 1983 cult masterpiece, Videodrome. For gangster and crime film fans, De Niro and Woods together are like seeing Cagney work with Edward G. Robinson in Smart Money (1931), Humphrey Bogart in Angels with Dirty Faces (1938) and The Roaring Twenties (1939), or George Raft in Each Dawn I Die (1939).

While Joe Pesci’s crime boss Frankie Monaldi is so authentic in Once Upon a Time in America that it looks like he was picked out of a lineup, Burt Young’s performance as his brother Joe Monaldi is pure cinema verité. He almost makes you want to take a shower. The only relief comes from watching Treat Williams as a union leader who takes a bath.

Tuesday Weld, who plays Carol, is an icon of licentious cinema. She was Stanley Kubrick’s first choice to play the title role in Lolita (1962), and the wildest orgy enthusiast in Looking for Mr. Goodbar (1977). Weld started acting as a teenager in the 1956 jukebox musical Rock! Rock! Rock!, and brought more tension than Steve McQueen and Ann-Margret combined in the 1965 gambling classic, The Cincinnati Kid, which also starred Edward G. Robinson. Quentin Tarantino would probably be proud to recommend Weld’s filmography as a film binge subject.

Once Upon a Time in America also began production in 1980 but was scuttled by an Actor’s Strike. It would have seen Tom Berenger and Paul Newman playing the Noodles characters. For Max, Leone considered Dustin Hoffman, Jon Voight, Harvey Keitel, John Malkovich, and John Belushi. Brooke Shields was set to play young Deborah, which went on to be Jennifer Connelly’s film debut. She would go on to play in Labyrinth (1986) with David Bowie, as well as to an acclaimed career as an adult in movies like Requiem for a Dream (2000) and win an Academy Award for A Beautiful Mind (2001).

What’s in a Bad Reputation?

The Godfather is briskly paced, relatable, and every sequence is perfectly framed. Had Once Upon a Time in America been split into two parts, as the director intended, it may have become just as iconic. Coppola saves the Corleone family backstory for the second film, where it sits comfortably as it mirrors one rise with another.

In today’s environment, where binge-watching is the norm, Once Upon a Time in America should be reevaluated on that basis. People are more accustomed to long-long form entertainment, because they have readily available short-form at their fingertips on apps like TikTok.  Alejandro Jodorowsky wanted to make a 10-hour adaptation of the science fiction novel Dune. He got the same blowback as Leone.

“Myself, I make an enormous project of a film that will not be a normal film, 14, 16, maybe 19 hours,” Jodorowsky told Den of Geek while promoting his film Psychomagic. “Hollywood thought I was crazy. A picture [should be] one hour and half or two hours, no more. But now, with series television, you see eight chapters. The short pictures are dying, it’s not anymore necessary. We need to make a serious chapter, you know? Ten hours.”

Today, Jodorowsky’s Dune would be a Netflix miniseries–or at the very least two films, as enjoyed by director Denis Villeneuve. Once Upon a Time in America is far more watchable than its legend declares, and Leone was a filmmaker who should have been afforded his cut. “He was a real artist of industrial movies,” Jodorowsky told Den of Geek. “You need to be very intelligent to do that, and he did it. The picture, all of his pictures, I love these pictures.”

I have watched The Godfather, The Godfather, Part II, The Godfather, Part III, Mario Puzo’s The Godfather, Coda: The Death of Michael Corleone, the box set collectors’ edition of The Godfather Saga, and still have a recording of the first time the film ran with all the deleted scenes restored. I will watch them all again. But there is room for more than one Gangster Epic. Once Upon a Time in America’s reputation as a sloppy, overlong film is undeserved. It bears repeated viewing.

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from Den of Geek https://ift.tt/3EGlwCw

[sacrfces]

as requested here's a small list of things izaak has said to dogs on his table

"i am from the HOOD"

"i am not a lego, do not play with me"

"you just gave me your paw unprompted and now you snatch it out of my hands when i try to clip your nails? that's fuckboy energy"

"bruh ur not okay.. you must be straight"

"*singing to the tune of muni long's time machine* i wish i had a time machineeeee"

"if you would have sat still your face wouldn't look like an uneven chipmunk butt and now i have to spend another 30 minutes fixing it"

"i wish you fuckin would young blood"

"ma'am this not what a material gworl would do"

"*dancing while dog shakes loose hair off its body* shake it like a tail feather!"

izaak is so funny bc he handles the dogs that are considered biters or aggressive at work, and he's the type of dude who'll look at a dog that just bit him or put his teeth on him with this Terrifying Glower and his whole energy will shift and he'll say some shit like "put your teeth on me again and see what happens. there are few men who're allowed to bite me and YOU are NOT one of them sir"

[aljerards]

chill chill chill (12월09일17년)

December 09, 2017

Doing happy things for the Christmas season because of my heart’s bitterness (and also coldness) towards Christmas

I woke up at around 9:00 A.M but I was still in a daze because my cousin just woke up so I doze off for awhile. My cousin is here because my mom isn’t at our house and she had an overnight seminar at Subic (I’m kinda but envy because the factory outlet store of a shoe brand is there so — I’ll just be fine lol 👟). Every morning, I’m not your typical bright attitude with vibrant eyes but rather I wake up and still look at my surrounding and be quiet for a few minutes and they call that muni-muni in Tagalog. From my knowledge, that term means meditation or think about something (anyways, it’s just me being unconscious for a few seconds).

I did some minor tidying on my clothes since I’m bored and I arranged them according to short sleeves to long sleeves. At around 11:14 A.M, I usually watch YouTube videos in that time. Besides my world of Korean Pop and Korean Hip-hop music and culture that I watch, I also watch tech videos, tech reviews, tech rumors, tech unboxings and even more tech stuff. It excites me when a companies releases the new line-up of their product (whether phone, tablet, laptops or desktops) and people are in the hype for it and it’s the latest buzz in the tech world.

     At around 12:00 P.M, we ate our lunch with my mom since she just got home for a couple of minutes and we ate the Adobo that she doesn’t like (which is the sweet and salty side of the dish) because the taste was “too strong” for her palette (sorry mom 😂 ). After eating lunch, I still continued watching YouTube videos.

At around 1:41 P.M, I luckily tagged along with my mom and dad’s search for the landscaping of some parts of our house. I wasn’t supposed to be comig but due to my lowkey clingy nature, I went with them too (also with my cousins too). We went to a familiar place of mine and in just a year that I hadn’t use a school service type of transportation in going to school, there are some advancements such as business establishments. I was kinda bit shocked for the moment (all the memories I made from my past mates in the school bus). We got some plants for our house again (lol). Also, we got to check out for a few minutes at the house of my cousin which is totally pleasant and nice because of the renovation in their house. We also bought turon which is a plantain encased in a wrapper with sugar inside of it and sometimes if it’s extra special it has some thin pieces of jackfruit in it.

    As I went home, I was still unsatisfied with the amount of food intake I got. So as I went home, I cooked some 3 packs of instant spaghetti noodles (eating monster activated — I’m sorry ✌🏻). I gave my last batch of marshmallows to my cousins as a small token of appreciation for being available to drive for us (a sudden attack of Christmas festivity in my mind — I hope I’ll change my perception of Christmas again because it was bitter before).

So fast forward to dinner at 7:30 P.M. (yes, I still ate dinner — I’m an unapologetically a eating monster), we ate our remaining Adobo and ate some chocolate covered peanuts. So as we rested for a bit my mom went inside my room and we started arranging some portraits of ours. I saw my 2 year old self which was very very cute unlike my 7 year old self which was super duper extraordinarily cringy. But anyways, I saw my mom dad portraits (with me as a baby) when they were still lean and have simple and casual outfits.

At 9:00 P.M., the friend of my friend (which is the cousin of my another friend) asked help through her about designing a poster about Korean street food but my artistic prowess isn’t top notch but I gave a small advice and helped give the bigger picture to my simple edit (it’s simple like for real). Anyways I took a bath after that.

I’ll be ending this blog post for this day because I want to sleep more. See you tomorrow on the next blog!

[samuelfields]

FS20: A New Property Leading Indicator That Gives Buyers Confidence

Given the relative illiquidity of real estate, there is huge room to get your property transaction right or wrong. My hope is for all of you to get maximum value whether you’re buying or selling.

There are many variables that determine the current and future value of a property. These include, but are not limited to location, marketing prowess, seasonality, condition, curb appeal, surrounding noise, interest rates, job environment, tax laws, housing laws, and demographic trends.

But all of these variables are derivative variables that leave a lot of wiggle room for price interpretation. A property is only as valuable as what someone is willing to pay. Therefore, I’ve come up with a new property leading indicator that if used properly, could save and make you a lot of money down the road.

Introducing The FS20 Property Indicator

Every real estate buyer by now should be using technology to look for homes online. My favorite platform is Redfin because they have a mission of lowering transaction costs. But they also have the best user interface and the most up-to-date information compared to Zillow in my opinion.

If you plan to buy property, then you have already made a bet that real estate values will go up in your neighborhood. If you think real estate prices are going to go down, then obviously buying is out of the question.

But what is the best indicator that will give you the most confidence to buy property? After giving things much thought, I think it is the FS20 Property Indicator.

The FS20 Property Indicator goes off when a home’s final sales prices is at least 20% higher than the online estimate in the neighborhood you want to buy.

The higher the final sales price in comparison to the online estimate, the stronger the demand. Up to a 20% price differential can account for things such as online data error and not taking into account the proper condition of the home. Further, some homeowners are willing to fudge their home’s features to try and improve their online home estimate.

Although online real estate firms like Redfin and Zillow use their thousands of data points to create property price estimates and forecasts, when a final sales price is at least 20% higher, it is clear Redfin and Zillow have not properly caught up to the real-time demand that is surging ahead.

But for savvy buyers, you can capture this window of opportunity and make offers based on median or average price points for the neighborhood before the new data starts pushing the overall median or average price points higher.

Let’s look at two examples where the FS20 Property Indicator hits.

Example #1: 331 Vicente, SF, CA

331 Vicente is a lovely remodeled, three-bedroom, three-bathroom, 2,400 sqft home in San Francisco’s West Portal district. The home is an easy 5-minute walk to the MUNI station, which will bring you downtown in about 20-25 minutes.

331 Vicente, SF

In your property hunt process, it is imperative to always make a calculated forecast on what the house will ultimately sell for and then compare your forecast to the final selling price.

You can’t rely solely on the online estimates since online estimates are often wrong. Instead, you’ve got to rely on your eyes! The closer you can get to guessing regularly the final selling price, the more confidence you will have with your property investing acumen.

Given the neighborhood and high quality of the remodel two years prior to sale, one could make a reasonable assumption that 331 Vicente should trade for about $1,000/sqft, or $2.4 million.

Once you hit $1,000/sqft in San Francisco, you’ve reached the “mass luxury” segment of the residential property market. 10+ years ago, only properties on the north side of the city like Pacific Heights would command $1,000/sqft or more.

The real estate agents were smart and listed the house for $1.995 million ($831/sqft) to attract the largest amount of potential buyers to the property.

If the property sold for between $2.1 million – $2.4 million, the vast majority of observers would see this as a reasonable transaction. Yes, San Francisco real estate is expensive.

Now it’s up to you to take a reasonable guess at what the house ultimately sold for. Got it? You can now scroll below after taking in the kitchen remodel.

The house ended up selling for a whopping $2.9 million! That’s $762,800 or 36% above Redfin’s estimate, and $600,000 higher than a reasonable final guesstimate price. The FS20 Property Indicator is going off!

Despite Redfin’s allegedly sophisticated pricing algorithms, we could simply say Redfin’s estimate in this instance was really bad. However, as I know the San Francisco market well, I believe getting $1,208/sqft on a 3,014 sqft lot with no view is an extraordinarily high price for the West Portal neighborhood (District 4).

The data below from MLS and Compass Brokerage has the average price/sqft at $824 for the West Portal neighborhood (D4).

Below is a chart that highlights where Redfin estimated 331 Vicente at a reasonable $2,137,200 and where it finally sold. At $2,900,000, this is also about $500,000 more or 20% higher than what I would have guessed it would have sold for.

Absent the later discovery of some unusual financial reason that justifies this price, it is clear from this example that the demand for the West Portal neighborhood has ticked up faster than what Redfin and rabid market observers like myself have realized.

Therefore, an enlightened buyer should consider looking in the West Portal neighborhood ASAP for similarly remodeled homes in similar locations close to the average price/sqft of $824 and bid accordingly. A homebuyer could potentially bid up to $1,000 – $1,100/sqft for a similar property knowing that she has a $100 – $200/sqft buffer in case of a decline thanks to 331 Vicente.

The data that comes out from the Multiple Listing Service is always lagging. Hawk-eye buyers have about a 1-2 month window to take advantage of the lagging data before the new data feeds into the system and prices recalibrate.

But even when this $2.9 million price point gets entered, it may not significantly move the needle because it would be just one sale out of perhaps 15 – 20 for the previous quarter.

Therefore, buyers will likely have a 1-4 month window to take advantage and bid with confidence before the computers and people reset the true value of the neighborhood.

Use the MLS data as ammo to offer prices closer to the average, while knowing that the real trend is pushing prices higher!

Example #2: 30 Fanning Way

30 Fanning Way is a quaint two-bedroom, one-bathroom, 1,288 sqft single family home in San Francisco’s Golden Gate Height’s district.

What I like about 30 Fanning Way is that it has views of the ocean. I am a firm believer that homes with ocean views in San Francisco have the greatest pricing upside potential over the next 10+ years.

Besides having an ocean view, the home has an oversized lot of 5,584 sqft, which is slightly more than double the standard 2,500 sqft lot in San Francisco. Unfortunately, at least half the lot is on an unusable hill.

The knocks on the house are that it’s not very big inside and the kitchen and bathroom were probably remodeled 20+ years ago. If your family has more than one kid, living in the house may be tight, especially if you have guests.

Given we know that Golden Gate Heights (District 2) has an average selling price of $932/sqft according to the latest MLS data, we can estimate that 30 Fanning Way is worth about $1.2 million at 1,288/sqft. The condition of the house is average.

But given the oversized lot (not all flat) and views, 30 Fanning Way should trade at a premium. Also, smaller homes tend to trade for higher price/sqft. Therefore, let’s bump up the estimated price per square foot to $1,100, or an 18% premium to the average price/sqft of the district of $932/sqft.

At $1,100/sqft, we can value 30 Fanning Way at $1,416,800. Kind of expensive for only a 1,288 sqft house, but the price sounds about right. Let’s just round up to $1,500,000, or $1,164/sqft. What’s an extra $83,200 between friends?

Now it’s up to you to make an educated guess on this cozy little home. Again, if you are a buyer in the neighborhood, you should not only do these type of calculations but go visit the house in person to make sure your estimates make sense.

Got a list price and final sales price in mind? Time to scroll down to see what happened.

The selling agent decided to price the home at a peculiar $1,168,000 or an attractive $906/sqft, $26/sqft below the average.

Is my $1,500,000 estimate, or $322,000 over its $1,168,000 list price really achievable for a house this size and in this condition?

Well, you can bet your buns of steel it is! The house sold for an incredible $1,855,000, or 59% over asking a month later!

Now let’s take a look at what Redfin had as its estimate for the house. Ah Hah! Redfin estimated the house was worth $1,506,719, or $1,164/sqft, similar to my aggressive estimate.

If the house had sold for $1,506,719, most people in the know would have thought that’s a little high, but within the ballpark. But to sell for $1,855,000, or $1,440/sqft is a new record high for the Golden Gates Heights neighborhood.

The final sales price was 23% higher than the online estimate, therefore, the FS20 Property Indictor has also gone off.

It would have been one thing if the house was completely brand new with the fanciest kitchen and bathrooms, a hot tub, and panoramic ocean views from two or three floors. But the house has none of that.

Within five or 10 years, the new owners will likely spend at least $60,000 to remodel their kitchen and only bathroom.

If you’ve been looking for a home in the Golden Gate Heights neighborhood, you can now feel more confident bidding for any ocean view home in moderate condition for the average of $932/sqft according to MLS.

You can probably comfortably bid up to $1,000/sqft for a similar type of home, knowing you’ve got a $440/sqft buffer thanks to 30 Fanning Way. And if you’re really bullish, perhaps you can go up to $1,100/sqft to match the online estimates.

I definitely wouldn’t pay a similar record high price as 30 Fanning Way because that would defeat the purpose of the FS20 Property Indicator. You always want to buy property knowing you have some type of price buffer or potential to expand in order to create more value.

Each home is different, so it’s really up to you to decide how much you’re willing to risk.

Always Look For Windows Of Opportunity

You might still be skeptical about online property estimates as am I, but over time, they get better because of more data. Both Zillow and Redfin were founded in 2004, so they’ve had plenty of time to build their databases and improve their pricing algorithms. As publicly traded companies, they must constantly optimize for their shareholders.

Disregarding online property price estimates today is like ignoring Waze or your Google GPS navigation because you think you know a quicker route when driving. You usually end up wrong and wasting unnecessary time.

The large majority of online property estimates are within +/- 10% of the real market estimate. This is why if you follow the FS20 Property Indicator, there leaves little doubt there’s a major uptick in demand and potentially an opportunity to buy a comparable property at a more reasonable price.

For less hot markets such as non-coastal areas, perhaps using an FS10 Property Indicator of 10% instead would be more fitting. However, I wouldn’t recommend going below 10% if you want to gain maximum confidence on a property purchase.

Often times, the profit is made on the purchase and not on the sale. Once you combine FS20 with a strong downpayment, a well-crafted property love letter, and a reputable lender that’s got your back, you’ll likely do much better than those who aren’t as prepared.

Be super vigilant when buying property, especially with debt. A house will likely be your most expensive purchase in your lifetime. It’s worth being extremely meticulous with your analysis.

Readers, have you been able to take advantage of small windows of opportunity in the real estate market? It’s not enough to recognize opportunity, one must also take action. How do you see a collapse in mortgage rates affecting your local real estate market?

Related Posts:

To Get Rich, Practice Predicting The Future

10 Warning Signs To Look Out For When Buying A House

Important Steps Before Buying A Property After Huge Price Appreciation

The post FS20: A New Property Leading Indicator That Gives Buyers Confidence appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/fs20-a-property-leading-indicator-that-gives-buyers-confidence/ via http://www.rssmix.com/

[shandragdotson]

The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

One of the most common pushbacks I got from my post, “Why You Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today,” is: why the hell don’t I just leave expensive San Francisco if I’ve truly got enough passive income?

Believe me, I’ve been thinking about relocating out of San Francisco for years now because of the high cost of living, the increased population density, the growing homogeneity, the obsessive money culture, and the growing boredom of living in one place for almost 20 years.

My number one geoarbitrage destination is Honolulu, Hawaii, a place where stress simply melts away. My stress level averages about a 5 out of 10 in San Francisco, but immediately goes down to a steady state 3 when I’m in Hawaii.

Although Honolulu isn’t cheap, it’s about 20% – 30% cheaper than San Francisco in terms of housing. If you can save money and live in a nicer climate, that’s a win in my book.

But relocating takes time when you’ve grown accustomed to living in one place for so long. There are friends to say goodbye to and assets to unwind. Then there’s the small, but highly significant issue of raising a first child.

We figure we’d provide our son with a stable home environment up until he is 2.5-3 years old, and then consider relocating for preschool.

Geoarbitrage Already Happened

What I didn’t realize until recently is that I’ve already taken the first step in geoarbitraging in order to our lower costs and live more freely.

I move slowly with big life decisions because I’m more like a supertanker rather than a speedboat. Think of me as the classic late-stage technology adopter.

Everybody thinks about geoarbitraging as moving to the heartland or to Southeast Asia or Eastern Europe to save big bucks on living expenses. The reality is, such big moves are not necessary.

One can simply geoarbitrage within one’s own town or city.

Move 5 miles west, save 40% on rent or purchase price in SF

By moving out of our single-family home on the north end of San Francisco in 2014, renting it out, and buying a single family home just five miles west allowed us to save roughly $4,200 a month, or 50%.

I don’t know about you, but when you and your partner don’t have stable jobs, saving $50,000 a year after-tax sure alleviates a lot of financial pressure.

We’ve been hearing so much about a housing affordability crisis in cities like San Francisco and New York. Yet if people decided to not live in the most expensive parts of the city, their affordability would go way up!

For example, instead of paying $4,500 a month for a two-bedroom in Pacific Heights, you could have a nice two-bedroom in the Outer Richmond district for $2,700. A $1,800 a month cost savings is significant if your goal is to be financially secure ASAP.

Related: Housing Expense Guidelines For Financial Freedom

The Sacrifices Are Not That Big

Moving five miles west means being five miles further from downtown San Francisco, where most of the jobs are located. If we had to work downtown, the extra commute time would be 15 minutes on average each way.

15 minutes is nothing given we all have phones to nourish our minds with Financial Samurai articles. It is simply amazing how quickly we can kill time once we’re allowed to surf the web, listen to music, text with friends, play games, or watch some Netflix.

The cost to take the bus downtown from the north end where I used to live and the Muni downtown from the west side where I currently reside costs the same $2.5 each way, or $78 for a monthly commuter pass. Meanwhile, the invention of Uber pool and Lyft Line has lowered car service by 60-70%.

Further, if you move to a less densely populated area, there are benefits such as less traffic, less litter, less crime, more diversity, more parks, and cheaper goods and services.

Where I live, you can get a haircut for $12 pre-tip and eat a nice dinner for $15 a person. Where I used to live, the same haircut costs $26 pre-tip and you’d never be able to escape a restaurant for under $30 a person.

Don’t Let Your Ego Get In The Way

If you want to accelerate your path to financial freedom, you’ve got to squash your ego for that big fancy house in a prime neighborhood. You might also have to even relinquish your desire to live in an international city like Washington D.C. or Los Angeles.

During my late 20s, I felt I needed to live in the best neighborhoods because that’s where all my colleagues lived. It was a similar pressure to buying nicer clothes than I was accustomed to, to look the part.

But once I extricated myself from the workplace, there was no longer any peer pressure. Sure, living in a fancy neighborhood was nice, but I wanted a change of scenery 13 years later.

Lowering my expenses by 40% since 2014 while concurrently growing my passive income by 50% in the same time period has done wonders for our financial well-being.

Our monthly cost to live has now plummeted to well below 5% of our gross income as a result. Growing this gap is the key to financial freedom.

We used to feel a little guilty being away from our house for more than two weeks because that meant we were paying double living costs for that particular time period. Nowadays, our housing costs can hardly be felt, so we feel much freer.

If people arrogantly tell me, “Wow, you live so far away from downtown,” I think to myself: are you really justifying paying a premium in rent or purchase price just so you can live closer to work to work longer? You mindless fool! 

Of course, I play dumb, nod and tell them it must be nice to live so much closer to work.

Start Small, Work Your Geoarbitrage Way Up

It’s always good to start small when testing new things. Instead of relocating to a different country, try relocating to a different part of your city first.

Once you understand the challenges and get comfortable with the new environment, then consider relocating to a cheaper part of the country. If living in a cheaper part of the country isn’t enough, then you can rip off the band-aid and go international.

The last thing you want to do is uproot your entire life in a completely new environment and feel like you made a mistake.

One family of five I know paid $200,000+ in real estate commission fees to sell their house in order to relocate to Florida where the wife’s family is from.

They ended up hating Florida because their adopted kids from Africa were being bullied and they are white. So they decided to move back to San Francisco seven months later and buy and remodel a new house for multiple millions.

Try before you buy folks.

Being able to work from home definitely helps with geoarbitrage no doubt. But even if you had to go to an office with bright fluorescent lights that burn your skin and accelerate your aging process by 20%, having to commute an extra 10-30 minutes each way to save big bucks isn’t much of a sacrifice.

Instead, it’s a blessing to be able to enjoy your same city and breathe in the same fresh air while saving so much money every day.

If you think you deserve to live in the best area, then be happy paying higher prices. If you aren’t happy with the cost, please relocate to a different part of town.

Nobody is saying you need to move to polar vortex country to achieve financial independence!

Related:

Buy Utility, Rent Luxury: The Real Estate Investing Rule To Follow

How To Invest Your Down Payment If You’re Planning To Buy A House

Readers, have you geoarbitraged in your own city or area before? Why aren’t more people willing to move to save on housing costs?

PS: I’ve started a Moving To Honolulu thread in the FS Forum. For those of you who live in Honolulu or are knowledgable about life in Honolulu, I’d love to hear your thoughts. My next geoarbitrage moving is coming up soon and I plan to do a meetup. 

The post The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/the-proper-geoarbitrage-strategy/ via http://www.rssmix.com/

[lantanacamara]

Spanish series: Madrid

My voyage in Madrid gets one post because I’m lazy and irresponsible. Met up with reena in the airport and we were off ! The transportation system is just like Muni & BART, super straight forward and easy to navigate, clean and efficient! We got to our hostel in no time, our hostel was DA SPOT tho it was legit in the heart of the city everything was walking distance and super close anyway, we had a walking tour of the city all morning our tour guide hated us because we were really slow and kept trying to talk to the really ridiculously hot police men of Madrid, Dios mio you would think it’s a requirement to look like a damn Greek God to be a policeman here. The weather was gorgeous the whole time sitting fresh in the 75-80 with a nice breeze, we found a spot I believe it was talked Temple de Dedro? Where we had a view of all of Madrid it was stinkin gorgeous, we just laid out in the grass and really took in the glory of Spain. We really spent the day exploring and taking in the city the churches and the mosques the people oh my gosh the people, so incredibly nice and patient and kind. One thing I absolutely love is that men look but do not say a damn thing! I became aware of a expectation that I have that I am not at all proud of, whenever I walked by a man that looked even minutely inpoverished I tensed up and waited for them to say something, make some inappropriate comment look at me make some dumb noise but it didn’t happen ever ! Ever! Not once ! Maybe they’ll look but that’s the most men do here and it’s fuckin respectful ! I don’t wanna hear it, I never do it benefits nobody when you’re getting cat called, so I wish this culture was taught to the men of the US lol. Anyway we explored explored we had a tapas and wine tour booked that we missed. But it’s okay because that night ended up being really fun, we joined a free pub crawl and I actually went into it super sober and it was really really fun! Meeting people from all over the world and learning about their travels and their journeys, and the local Spanish man omfg the fuckin men, good times good times. (Reena’s Rafael) So I didn’t sleep until 7 am woke up around 3:30. I was waking up like every hour though because of some really bad post drinking anxiety, thinking the worst thoughts taking myself down avenues that aren’t even logical I felt so Alone and scared and lost. I had to keep reminding myself, when someone is telling they’re experiencing anxiety and having these irrational thoughts and conclusions, what do you say to them. I kept reminding myself of the logical outcomes of my situation and how I had done nothing wrong and if there’s a concern I have for the future, my anxiety right now isn’t going to change this futuristic ordeal. The alcohol at bars/clubs is diluted af. I met one of our new hostel mates this girl from Toronto who was just a doll she was going from Spain to Portugual to Morocco over three weeks, she spoke of travels to Budapest said traveling there is very cheap; Vienna is really rainy all year round. She’s an IT developer and just living life. Our other roommate is from China and she was so hilarious, this was her FIFTH time to Spain, she loves it so so so so much she really made me feel bad when I told her I wasn’t going to Córdoba seville or Segovia, I told her the next time I’m definitely doing them, there’s just so much! She’s so well traveled and another thing I learned is that the Chinese really value traveling globally, it may not always necessarily mean immersing yourself in the culture but they enjoy exploring and learning. I see Chinese people everywhere I go and I wish Indian people enforced the importance of traveling, immersing yourself in other cultures, and exploring while you’re young. We’re so stuck and fixated on staying with our own and staying where you are it’s harmful and it creates a very sheltered mindset. So theeeen we went to Hamman Al Andalus which was like a Turkish spa where they have hot tub cold pools and a neutral pool, we did that for 30 minutes then had a 15 minute full body scrub and a 30 minute massage with our choice of aroma, I chose Violeta and it was so energizing and renewing and I felt re centered with the world, not good or bad just centered and grounded with my situation, who I was where I was what I was doing and how I need to not submit to my temper. After this was the flamenco show which was one of the most beautiful exhibitions of art I have seen in my entire life, the singing captured my heart the most, I wish I had a video of the center man just singing his heart out it was so so beautiful, they were singing with their hearts to the point where he was crying at one point and it just made you really feel the pain in the art, I will never forget that show and I will definitely go again if I get the chance, Cardamomo man That night we got back I wasn’t feeling going out, I wanted just get lost and get to know our hostel mates and I had such a great time, they were really so sweet and so funny and shared so much travel knowledge, I realized how well I prepared for this trip when I talked to them I didn’t feel like I missed things I don’t know I felt like I really traveled smart, im attributing this success to my parents who are dope af Loved Madrid, beautiful city, beautiful people, beautiful culture - To Valencia I go! A la Ave yo tomè 🚄

[jobsearchtips02]

What it’s like to shelter in place in San Francisco.

The order directs me and an estimated 6.7 million residents to stay inside, turning our apartments into our homes, offices, gyms, and schools.

Katie Canales/Business Insider

The San Francisco Bay Area’s estimated 6.7 million residents have been ordered to remain at home as much as possible until April 7 to contain the coronavirus disease.

Known as a shelter-in-place order, the directive has shuttered businesses, offices, and has caused the city’s daily rhythm to come to a screeching halt.

I live in San Francisco and have spent four days under the order.

Visit Business Insider’s homepage for more stories.

I had a routine prior to March 9. 

I woke up at 6 a.m. for a brisk walk to work through the still-sleeping city into the office near the Financial District of San Francisco. I had my route nailed down perfectly, up one street and down another to spot the cats in the bay windows of their owners’ apartments. One had flattened ears, the other would meow at me. I was always glum when I walked by and they weren’t there.

That came to halt, as it needed to, in early March, as the coronavirus disease began to pose a bigger threat to San Francisco. On March 5, the first two confirmed cases were found, with authorities warning that the disease was likely already being transmitted in the city. Now there are 76.

The coronavirus pandemic has perforated the lives of millions, either directly or indirectly, as it has spread across the globe. The number of confirmed cases sits at 240,000. Some know people who have it, or have a friend of a friend who does. Regardless, we all feel the effects of the measures being taken to quell the spread of the virus.

On February 25, Mayor London Breed declared a state of emergency in San Francisco, my home of two years. Since then, offices have steadily shuttered one by one. The big names of the tech city — Twitter, Google, LinkedIn — began implementing work-from-home orders. Employees increasingly began adapting to carving out workspaces in their homes. Then the city took it a step further.

The estimated 6.7 million residents in the San Francisco Bay Area were ordered to shelter in place, or to stay at home, in an effort to create space amongst the region’s occupants and decrease the risk of spreading the virus, which is transmissible by respiratory droplets.

The order lasts until April 7 but could get extended, San Francisco Mayor London Breed told my colleague, Troy Wolverton, on Thursday.

It’s Friday, and we are on Day 4. Here’s what it’s been like.

Tuesday, Day 1: I work East Coast hours since my managers are in New York, so I wake up at 6: 15 am.

My desk.

Katie Canales/Business Insider

 I’ve gotten into the habit of lighting a candle when I log on for work. A quick “Morning!” and a wave emoji thrown into Slack, and then the workday begins.

My officemates and I in Business Insider’s West Coast bureau started working from home on March 9. So this is Week 2 for us.

There are many more across the world and in the city that cannot do their jobs from home.

Arizmendi Bakery in San Francisco on March 17 before it closed.

Stephen Lam/Reuters

In the Bay Area, these are people providing essential services and who are exempt from the shelter-in-place order. It’s the restaurant workers who are providing takeout food only since dining in is banned. It’s the owners of hardware stores, the bus operators, the first responders, the postal workers. There are also the most vulnerable residents, the estimated 28,200 living on the streets with nowhere to remain indoors.

Restaurant workers are already being laid off as their employers struggle beneath the crushing lack of business.

I’m an office worker, only sometimes needing to be on the ground to do my job.

Katie Canales/Business Insider

Across the region, from the heart of Silicon Valley to San Francisco to Contra Costa County to the east, many of us are adapting to signing on for work at home. The lines between our professional and home lives are blurred, our desks mere feet from our beds for some. For working parents, the challenge is even greater with school districts having shut down.

There are a few different schools of thought on the ins-and-outs of how to work from home.

Slippers are a must for me.

Katie Canales/Business Insider

Ever since remote work has been more of a focus in light of the virus, reams of advice have cropped up on how to work from home most efficiently. Sweatpants or jeans and a button-down? Shower in the morning or after work? I’ve been oscillating between both.

After a few hours into Day 1, something seems missing from the usual environment on my street. I realize that it’s quiet.

California Street, usually filled with cable cars, is seen empty in San Francisco on March 18.

JOSH EDELSON/AFP via Getty Images

A cable car line usually runs down the street from my place, and I’d gotten used to the sound of it trudging by. It had even become soothing. But in an effort to protect the operators from contracting the virus, the city shut the cable cars down for the shelter-in-place order.

The absence of it is deafening. In their place are Muni buses, with “Cable Car” running across the marquees. It feels strange to look out my window as I’m working to see a bus roll by instead of the open-air cable car.

The bus system hadn’t been shut down since a closed cab separates operators from riders. Cable cars didn’t have that.

At 10: 30 a.m., the WiFi stopped working, prompting a nervous meltdown on my end.

My desk setup.

Katie Canales/Business Insider

I have two roommates, and all of us are now on it for nine hours each day. I have an ethernet cord and insist on running it from the router in my roommate’s room, through the hall, and under my door into my room.

Later on, an Amazon package is delivered.

I ordered a yoga mat and a foot rest for my desk.

Katie Canales/Business Insider

I’m lucky enough to live 1.2 miles from my office. I usually walk the 30-minute trip both ways, and I quickly realize the lost hour of round-trip cardio will likely start to take a toll. I ordered a yoga mat a few days prior and a 25-pound kettlebell, in addition to the two 8-pound dumbbells I already owned.

I leave the mat and equipment out so that I’m more inclined to stop and move/stretch/work my body for at least 15 minutes after working my brain all day. I can’t afford a sophisticated workout system like Tonal, a $3,000 at-home strength training machine that you mount to the wall. The San Francisco-based company has seen sales triple just in the past week.

At 3: 45 p.m., I log off to shower and then was in need of a grocery store run.

A Trader Joe’s in San Francisco on March 17.

Katie Canales/Business Insider

At the time, and even now, the mechanics of the shelter-in-place order seemed ambiguous.

The order isn’t a full lockdown, like in Italy — we don’t need government permission to leave our apartments.

We’re allowed to go outside, but should we? What will the grocery store look like, will my fellow shoppers and I have enough space to social distance? If I accidentally walk within six feet of someone on the sidewalk and a police officer sees me do it, do I get fined? The uncertainty of the lengths to which I should go to fulfill my social responsibility is paralyzing.

When I go to Trader Joe’s, most of the shelves are wiped clean. No one was putting six feet between themselves, including me just by default — the aisles are narrow. I got in and out quickly. 

Things outside my apartment seemed normal but with an uneasy sense that things were, of course, not.

Wednesday, Day 2: It ironically rained most of the day.

The sun poked through at times, though.

Katie Canales/Business Insider

Dishes also began to pile up seemingly out of nowhere as my desk, in my room, became where I ate my meals — if I remembered to eat anything.

It’s almost 11: 30 a.m. when I glance at the clock.

One of my two windows.

Katie Canales/Business Insider

I notice the light fading from the room and check the clock again to see that it’s dinnertime. One of the many tips included in work-from-home how-to articles is to set an alarm at the end of the workday to remind yourself to log off. I promptly do this.

Another tip to keep your wits about you is to occupy your free time with FaceTime conversations with loved ones.

They’re the highlight of my day.

Katie Canales/Business Insider

Calls made to relatives back home in Texas are starting to take up a hefty amount of my time. I’m painfully aware that they’re all older, part of an age demographic that is more susceptible to contracting the virus and experiencing severe symptoms.

They live in Texas, where the virus and the accompanying panic hadn’t yet spread as badly as elsewhere.

This week, however, also brought stricter measures for Texans as it did for us in California. Gov. Greg Abbott estimated that the number of confirmed cases will be in the tens of thousands in the next two weeks, according to the Texas Tribune. Bars, restaurants, and schools have been closed, and many are working from home if they are lucky enough to do so. Gatherings exceeding 10 people are prohibited.

Shelter-in-place orders are not yet implemented in Texas.

After work, I start a group text chat with my sister, parents, and grandparents with the sole purpose of swapping Netflix recommendations as an incentive for all of us to stay indoors.

“Pandemic” and “Outbreak” are on Netflix.

Katie Canales/Business Insider

I recommend “The Movies That Made Us.” My sister dryly suggests “Outbreak,” “Contagion,” and “Pandemic.”

Thursday, Day 3: It really sinks in that the new normal for at least the next few weeks may be exactly this.

My workout area.

Katie Canales/Business Insider

My room has become my bedroom, gym, and office, and that’s likely to not change anytime soon.

It’s the third Thursday of the month, which means my office usually meets for happy hour drinks.

The days start to blur together.

Katie Canales/Business Insider

The event is still on our calendar, and we had toyed with the idea of doing it virtually. That’s a trend sprouting up in the age of minimal human interaction in light of the infectious virus. The New York Times reported on how we’re taking advantage of video conferencing platform Zoom to do more than just work virtually with colleagues. People are using it for karaoke parties, birthday festivities, and church services. The Information reported on how users are turning to Zoom for virtual dinner parties.

Zoom saw a surge in the stock market in late February as investors bet early on that customers would take to the virtual world since the physical one isn’t safe at the moment.

We decide to push back our virtual happy hour to next week, and I have a beer by myself.

Friday, Day 4: There’s a bit more routine as far as the working-from-home goes.

I have two windows that face a courtyard.

Katie Canales/Business Insider

But I’m hyper-aware of the fact that I haven’t stepped outside in 60 hours. I open both of my windows for some airflow.

The day before, Thursday, also brought more statewide changes as health experts emphasized the urgency to contain the virus across the country if we were going to have a chance to fight it efficiently. There’s a small window for the US to lock down its cities and enforce social distancing to “flatten the curve,” meaning to stunt the spread of the coronavirus so the healthcare system is not overwhelmed.

California Gov. Gavin Newsom ordered all residents in the state to remain inside their homes as of Thursday night. He said 56% of people in California could be infected by the virus, though measures like the shelter-in-place order aren’t taken into account in that projection. 

New York Gov. Andrew Cuomo said Friday that all nonessential businesses will be ordered to keep workers home starting Sunday evening, excluding pharmacies, grocery stores, and the like. The directive is not a shelter-in-place order but calls for nonessential gatherings of any size for any reason to be canceled or postponed. Several other states are implementing similar restrictions.

Come Friday night, the usual outings won’t be happening, for good reason — the bars in my neighborhood and across the city are closed, and my friends, my fellow residents, and I are advised to stay indoors.

Harrington’s Bar and Grill in San Francisco on March 16.

Katie Canales/Business Insider

The only restaurants that are open are those that can offer orders for pickup or delivery.

We’re required to stay indoors as much as possible, but for local businesses that offer takeout, they’re also hanging on by a thread as business plummets with the shut-down.

I’m uncertain about how much to go out in public, but I’m also compelled to support my go-to spots.

I plan on venturing into the community and ordering takeout for pickup from my favorite neighborhood sushi place and from my favorite local brewery, both of which are like my second homes. It’ll be a little sense of familiarity in a time when it feels like there is none.

More:

Features San Francisco San Francisco Bay Area coronavirus

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from Job Search Tips https://jobsearchtips.net/what-its-like-to-shelter-in-place-in-san-francisco/

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day 3 of #1000wordsofsummer 2019

I’m learning firsthand about how absurdly tiring sitting for most of the day can be like. Working in a super tiny office, I don’t have the freedom to change spots every hour or so like I did when I worked at BuzzFeed in the summer. In college, I would never stay in a study spot for too long so I could get a chance to go for a walk occasionally and re-energize myself. I had a 30 minute walking meeting, where I got to see the water by Oracle Park and just leave my desk for a little while. Without a doubt, it was the highlight of my day, injecting me with a rush of energy.

I’ve always loved walking. In high school, when my anxiety first bubbled up and started to keep me from living the way that I wanted to, I found solace in walking. Near my house, there was a small walking trail in the woods. It was its own self-contained loop for residents of my neighborhood and was separated from the local park by a giant hill. Sometimes before dinner, I would head over to the trail, slowly walking aimlessly listening to Sigur Ros’s “Staralfur” and letting the world melt away. I kept my walking habit up throughout college and really let it flourish when I lived in New York City. My favorite thing to do after work was to put on a good audiobook and just walk aimlessly for hours, deciding my path based on which lights were green. I’ve been trying to take the longer ways home recently so I can walk more. It feels like I get a better sense of what the city looks and feels like, while getting to feel better in every way.

Lately, I’ve been really inspired by Craig Mod, who is a multi-talented guy who has spent the last few weeks walking across Japan. Hearing about his journey has made me really want to try and do the same, but not speaking Japanese and being vegetarian is somewhat of a nonstarter for now. That, and the fact that I just started a new job so I probably won’t have a few weeks to just focus on walking across a different country. The action of walking is core to human survival and always has been. It’s good for you, you can do it for a long time and it literally changes your perspective. 

After work, I went to an open house for a possible place to live. I discovered that I have no idea how MUNI works since there are some train things that start out in stations but have normal stops? Public transit is an absurd world that I know nothing about. It’s bizarre and amazing, but thinking about getting from one place to another isn’t as simple as hopping in the car or calling an uber. It’s a long process usually, involving many looks between Google Maps and an app called Transit, which has a UI I still don’t understand. I really can’t even imagine how people used public transit before smartphones were commonplace. The fact that I reached my destination on time at all felt like a complete fluke. It’s another major part of uprooting your life, that you need to get used to a new way of getting around and it’s only a matter of time before I figure out my own way around. 

___

Another piece that needs some getting used to is the time difference. 3 hours doesn’t feel like that big of a difference, but it’s a perfect amount to ruin your sleep and still make you feel like you should get up and continue your day. When you wake up at 7:30, it feels reasonable to just go ahead and start your day, especially when your body thinks that it’s 10:30am. My current remedy has been a lot of cold brew, but I’m not sure if that’s really helping my case. Today, I only drank it in the early morning, so hopefully my body will be so worn out that I won’t be able to wake up that early. Sleep hasn’t come easily to me in a few years though, so we’ll have to see. 

In high school, I used to easily sleep 10 hours a day. Sleep was the ultimate respite and made everything better. The world was rosier and more beautiful. I still think all of these things. All of the best times in my life in terms of fulfillment and productivity have been when I prioritized sleep over all else. When you consistently get 8 hours of sleep, you’re unstoppable. Everything makes more sense, you have more patience and more will power.

It turns out that sleeping on the floor of your brother’s apartment isn’t exactly the ideal situation for getting good, restful sleep. I’m not sure how much I can do to remedy the situation, beyond just giving myself time on the weekends to try and catch up on sleep and fix this messed up schedule I’m on. I continue the search for my own place. As much as I appreciate being able to live rent-free for a while, I’m really looking forward to having my own space and a bed again. There are some things that you don’t really appreciate until you’re waking up with back pain every day and feeling like you’re the oldest 21 year old in the world.

At the same time, being in San Francisco makes me realize how much privilege I have. The fact that I’m able to live here and survive even though I don’t get paid for another couple of weeks is a massive privilege. Having a brother who has a room large enough for me to sleep in helps too. I wouldn’t even come near having this job if I didn’t have a huge heaping pile of privilege pushing me past every obstacle in the way. So despite all of the complaining in this post, I want to make it clear that I’m so extremely blessed to be here. I’ve never been in such a great position of opportunity and the coming weeks will be the true beginning of me creating the life I’ve been dreaming of. And I can’t wait.

[alibiflame36-blog]

Best Times to Visit Austin and What To Do

One of the best things about living in Austin is all the outdoor food and music festivals. Once spring hits there is SXSW and PGA TOUR’s Dell Technologies Match Play tour with non stop crawfish boils and swim time. Here is a list of my favorite events in Austin when you are not coming for a bachelorette or bachelor party (unless you want to tack it on around these)!

SXSW

SXSW , a two-week conference and party, is actually my favorite time of year. My New York City x West Coast world’s collide in my own town, and it’s SO cool! WHERE else do experts from the food, film, tech, music, and politics gather together in such a close nit space over two weeks- not even in NYC or LA. If your company is able to shell out thousands of dollars for a badge, you have access to see speakers like Kevin Systrom and Mike Kreiger from Instagram, Julia Kramer from Bon Appetit magazine who decides the “Hot Ten” best restaurants each year, producer and musician T Bone Burnett, comedian Kathy Griffin, marketing guru Bozoma Saint John.The Taco Meet up is also really cool as you get to try about 5 of the best tacos from around Austin.

If you don’t (like me!), there is still SO much going on and a lot of free parties and panels that brands through that are considered “unofficial.” A few of my favorites included: Outdoor Voices annual “A Brunch of Jogger’s,” Facebook’s concert showcase with Toro y Moi and later Ghostland Observatory through their other division Oculus, GOOP’s pop-up store and event with Brahmin bags (it does help if you have friends to get you in that work at these places), Malverde’s rooftop shows during music week above La Condesa, South x San Jose Free Concert Series in their parking lot with pop-up shops, panels by local entrepreneur’s and companies like: Bumble, Kendra Scott, Planoly, Packed Party.

The tip is to follow them on instagram, facebook, or subscribe and you’ll get all the invites and details! I was also lucky enough to see the preview of Hulu’s Shrill with Elizabeth Banks and Aidy Bryant, thanks to a friend who works for the theater here in Austin. Sitting on the same row as these actresses and producers and watching their work for the first time with them is an unmatchable experience. Texas Monthly, Yeti, Uber Eats all had music events and parties, and Rainey is another good place to check out activations and free stuff. Lastly, Wanderlust Yoga has free yoga for the whole two-weeks at Republic Square Park and a few great local brands like Juice Society, Fit Joy, GT’s Kombucha, Culina, and Cara Caulkins Communications hosted a Festival Recovery Lounge at a lovely Clarksville home to help those kick back into gear.

PGA TOUR’S DELL TECHNOLOGIES MATCH PLAY TOUR

Usually, the last weekend in March, this golf tournament takes place right by Austin 360’s bridge which has a great view of Lake Austin. Pro’s like Bubba Watson, Tiger Woods, Kevin Kisner play on the lovely course from Wednesday – Sunday with lots of local bbq, tacos, wineries, beers, Grey Goose lounges. It’s very intimate walking around and you’ll see the same folks and friends jaunting. There is also a lot of local fun going on with Save Muny more locally if you don’t make it out there.

CRAWFISH BOILS! Austin has an overflow of breweries, distilleries, BBQ joints, and outdoor music venues. You’ll find that right at the end of March and beginning of April that these places are dishing out the mud bugs with live music! Perla’s, TLC, The ABGB, and Scoot Inn to name a few.

AUSTIN FOOD & WINE FESTIVAL

C3 puts on this Austin Food & Wine Festival that showcases chef demos, wine tastings, and mostly local Austin and San Antonio chefs showing off their goods at the big Grand Tasting event held at Auditorium Shores with live fire pits, too. You’ll see cooking demos from some national big wigs like Jonathan Waxman, Nancy Silverton, Sarah Grueneberg, Aaron Sanchez, Andrew Zimmern. There are also evening events at Auditorium Shores like Grillin and Chillin where Tim Love hosts an outdoor dinner that you get to learn how to use a grill for. Rock Your Taco is always on Saturday night at Fairmarket with all kinds of taco creations from about 16 chefs and live music.

HOT LUCK FESTIVAL- Memorial Day Weekend

To kick off summer partners, Aaron Franklin (Franklin BBQ), James Moody (Mohawk and Guerilla Suit), and Mike Thelin (Feast Portland). This is extremely different than Austin Food & Wine. It’s all about the music and some baller chefs from all around the country doing their thing in a laid back atmosphere (even at Wild Onion Ranch) where it feels like it’s just a bunch of friends coming together to eat and drink. It’s everyone’s favorite chefs and restaurants flying in like Sara Kramer & Sarah Hymanson from Kismet in LA, Alon Shaya from New Orleans, Chris Shepard from Houston, Christina Tosi from Milk Bar all hanging with OUR favorite Austin chefs. The weekend food line up for 2019 is here. What makes it so great if you aren’t into diving into an entire food event is that you can still be a part of the fest and attend to music shows and feel the energy of the weekend. Some of these spots still have some creative chef snacks there, too and tickets are a much lower price point if you just want to dip in or even last minute. See the music line up that includes Leftover Salmon, Lucero, New Breed Brass Band, here.

NATURAL POOLS + SPRINGS

My favorite places to take a dip or do a cannonball include:

Deep Eddy Pool – grab a burger and a tiki drink at Pool Burger after

Barton Springs

Greenbelt or Sculpture Falls

Paddle Board on Town Lake

South Congress Hotel Pool

Hamilton Pool- make reservations in advance

Float the Guadalupe River

Rent a boat or party barge on Lake Travis or a boat for the Lake Austin party cove

Lake Austin Spa & Resort getaway

AUSTIN CITY LIMITS If music is your beat, ACL Music Festival is just ask exciting for you as SXSW is for me. The city is again flooded with musicians and awesome shows that play not only two weekends back to back at Zilker Park but also at music venues around town for smaller private late night shows at spots like Stubb’s, Scoot Inn, Mohawk,etc as well as surprise pop-ups at Continental Club and I even saw Arizona at a Chipotle! Each weekend, there are 3 days of full line ups for Friday, Saturday, Sunday with headliners such as: Paul McCartney, St. Vincent, Metallica, Blood Orange, The National, Sofi Tukker, Nelly, Odesza, Chvrches, etc. If you want to step up your game, go for the VIP tickets. You get your own double decker viewing area of the main stage, unlimited drinks, sparkling waters, lunch and dinner, braid bars, clean bathrooms, etc. People also love to come for all the local food and beer tents at ACL Eats. Torchy’s Tacos, Salt Lick BBQ, vegan cookie dough from Skull + Cakebones, Amy’s Ice Cream, Blender’s and Bowls, Austin’s Pizza, Juice Land, The Mighty Cone. It’s super hot- do not forget a hat or sun screen!

TEXAS MONTHLY BBQ FEST Each year the Top 50 Barbecue restaurants (according to Daniel Vaughn at Texas Monthly) come to the Long Center to put on a 4 hour BBQ festival with around 30 booths serving smoked meats, mac ‘n cheese, pie’s, beer, big red, whiskey, and Desert Door Sotol. There is live music and great bands to sit and sway too after you start experiencing the meat sweats. This past year was the first time Franklin BBQ did not attend the fest because he did a more exclusive ticketed private dinner at the shop the night before. Some of my favorite ‘cue included: La BBQ, Micklethwait Craft Meats Lamb Chorizo Kolache, Snow’s BBQ, Louie Mueller’s Taco, Truth BBQ, Texas Pie Company that served 4 kinds of pie in one boat!

Source: http://www.chekmarkeats.com/best-times-to-visit-austin/

[mcjoelcain]

The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

One of the most common pushbacks I got from my post, “Why You Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today,” is: why the hell don’t I just leave expensive San Francisco if I’ve truly got enough passive income?

Believe me, I’ve been thinking about relocating out of San Francisco for years now because of the high cost of living, the increased population density, the growing homogeneity, the obsessive money culture, and the growing boredom of living in one place for almost 20 years.

My number one geoarbitrage destination is Honolulu, Hawaii, a place where stress simply melts away. My stress level averages about a 5 out of 10 in San Francisco, but immediately goes down to a steady state 3 when I’m in Hawaii.

Although Honolulu isn’t cheap, it’s about 20% – 30% cheaper than San Francisco in terms of housing. If you can save money and live in a nicer climate, that’s a win in my book.

But relocating takes time when you’ve grown accustomed to living in one place for so long. There are friends to say goodbye to and assets to unwind. Then there’s the small, but highly significant issue of raising a first child.

We figure we’d provide our son with a stable home environment up until he is 2.5-3 years old, and then consider relocating for preschool.

Geoarbitrage Already Happened

What I didn’t realize until recently is that I’ve already taken the first step in geoarbitraging in order to our lower costs and live more freely.

I move slowly with big life decisions because I’m more like a supertanker rather than a speedboat. Think of me as the classic late-stage technology adopter.

Everybody thinks about geoarbitraging as moving to the heartland or to Southeast Asia or Eastern Europe to save big bucks on living expenses. The reality is, such big moves are not necessary.

One can simply geoarbitrage within one’s own town or city.

Move 5 miles west, save 40% on rent or purchase price in SF

By moving out of our single-family home on the north end of San Francisco in 2014, renting it out, and buying a single family home just five miles west allowed us to save roughly $4,200 a month, or 50%.

I don’t know about you, but when you and your partner don’t have stable jobs, saving $50,000 a year after-tax sure alleviates a lot of financial pressure.

We’ve been hearing so much about a housing affordability crisis in cities like San Francisco and New York. Yet if people decided to not live in the most expensive parts of the city, their affordability would go way up!

For example, instead of paying $4,500 a month for a two-bedroom in Pacific Heights, you could have a nice two-bedroom in the Outer Richmond district for $2,700. A $1,800 a month cost savings is significant if your goal is to be financially secure ASAP.

Related: Housing Expense Guidelines For Financial Freedom

The Sacrifices Are Not That Big

Moving five miles west means being five miles further from downtown San Francisco, where most of the jobs are located. If we had to work downtown, the extra commute time would be 15 minutes on average each way.

15 minutes is nothing given we all have phones to nourish our minds with Financial Samurai articles. It is simply amazing how quickly we can kill time once we’re allowed to surf the web, listen to music, text with friends, play games, or watch some Netflix.

The cost to take the bus downtown from the north end where I used to live and the Muni downtown from the west side where I currently reside costs the same $2.5 each way, or $78 for a monthly commuter pass. Meanwhile, the invention of Uber pool and Lyft Line has lowered car service by 60-70%.

Further, if you move to a less densely populated area, there are benefits such as less traffic, less litter, less crime, more diversity, more parks, and cheaper goods and services.

Where I live, you can get a haircut for $12 pre-tip and eat a nice dinner for $15 a person. Where I used to live, the same haircut costs $26 pre-tip and you’d never be able to escape a restaurant for under $30 a person.

Don’t Let Your Ego Get In The Way

If you want to accelerate your path to financial freedom, you’ve got to squash your ego for that big fancy house in a prime neighborhood. You might also have to even relinquish your desire to live in an international city like Washington D.C. or Los Angeles.

During my late 20s, I felt I needed to live in the best neighborhoods because that’s where all my colleagues lived. It was a similar pressure to buying nicer clothes than I was accustomed to, to look the part.

But once I extricated myself from the workplace, there was no longer any peer pressure. Sure, living in a fancy neighborhood was nice, but I wanted a change of scenery 13 years later.

Lowering my expenses by 40% since 2014 while concurrently growing my passive income by 50% in the same time period has done wonders for our financial well-being.

Our monthly cost to live has now plummeted to well below 5% of our gross income as a result. Growing this gap is the key to financial freedom.

We used to feel a little guilty being away from our house for more than two weeks because that meant we were paying double living costs for that particular time period. Nowadays, our housing costs can hardly be felt, so we feel much freer.

If people arrogantly tell me, “Wow, you live so far away from downtown,” I think to myself: are you really justifying paying a premium in rent or purchase price just so you can live closer to work to work longer? You mindless fool! 

Of course, I play dumb, nod and tell them it must be nice to live so much closer to work.

Start Small, Work Your Geoarbitrage Way Up

It’s always good to start small when testing new things. Instead of relocating to a different country, try relocating to a different part of your city first.

Once you understand the challenges and get comfortable with the new environment, then consider relocating to a cheaper part of the country. If living in a cheaper part of the country isn’t enough, then you can rip off the band-aid and go international.

The last thing you want to do is uproot your entire life in a completely new environment and feel like you made a mistake.

One family of five I know paid $200,000+ in real estate commission fees to sell their house in order to relocate to Florida where the wife’s family is from.

They ended up hating Florida because their adopted kids from Africa were being bullied and they are white. So they decided to move back to San Francisco seven months later and buy and remodel a new house for multiple millions.

Try before you buy folks.

Being able to work from home definitely helps with geoarbitrage no doubt. But even if you had to go to an office with bright fluorescent lights that burn your skin and accelerate your aging process by 20%, having to commute an extra 10-30 minutes each way to save big bucks isn’t much of a sacrifice.

Instead, it’s a blessing to be able to enjoy your same city and breathe in the same fresh air while saving so much money every day.

If you think you deserve to live in the best area, then be happy paying higher prices. If you aren’t happy with the cost, please relocate to a different part of town.

Nobody is saying you need to move to polar vortex country to achieve financial independence!

Related:

Buy Utility, Rent Luxury: The Real Estate Investing Rule To Follow

How To Invest Your Down Payment If You’re Planning To Buy A House

Readers, have you geoarbitraged in your own city or area before? Why aren’t more people willing to move to save on housing costs?

PS: I’ve started a Moving To Honolulu thread in the FS Forum. For those of you who live in Honolulu or are knowledgable about life in Honolulu, I’d love to hear your thoughts. My next geoarbitrage moving is coming up soon and I plan to do a meetup. 

The post The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/the-proper-geoarbitrage-strategy/ via http://www.rssmix.com/

[ronaldmrashid]

The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

One of the most common pushbacks I got from my post, “Why You Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today,” is: why the hell don’t I just leave expensive San Francisco if I’ve truly got enough passive income?

Believe me, I’ve been thinking about relocating out of San Francisco for years now because of the high cost of living, the increased population density, the growing homogeneity, the obsessive money culture, and the growing boredom of living in one place for almost 20 years.

My number one geoarbitrage destination is Honolulu, Hawaii, a place where stress simply melts away. My stress level averages about a 5 out of 10 in San Francisco, but immediately goes down to a steady state 3 when I’m in Hawaii.

Although Honolulu isn’t cheap, it’s about 20% – 30% cheaper than San Francisco in terms of housing. If you can save money and live in a nicer climate, that’s a win in my book.

But relocating takes time when you’ve grown accustomed to living in one place for so long. There are friends to say goodbye to and assets to unwind. Then there’s the small, but highly significant issue of raising a first child.

We figure we’d provide our son with a stable home environment up until he is 2.5-3 years old, and then consider relocating for preschool.

Geoarbitrage Already Happened

What I didn’t realize until recently is that I’ve already taken the first step in geoarbitraging in order to our lower costs and live more freely.

I move slowly with big life decisions because I’m more like a supertanker rather than a speedboat. Think of me as the classic late-stage technology adopter.

Everybody thinks about geoarbitraging as moving to the heartland or to Southeast Asia or Eastern Europe to save big bucks on living expenses. The reality is, such big moves are not necessary.

One can simply geoarbitrage within one’s own town or city.

Move 5 miles west, save 40% on rent or purchase price in SF

By moving out of our single-family home on the north end of San Francisco in 2014, renting it out, and buying a single family home just five miles west allowed us to save roughly $4,200 a month, or 50%.

I don’t know about you, but when you and your partner don’t have stable jobs, saving $50,000 a year after-tax sure alleviates a lot of financial pressure.

We’ve been hearing so much about a housing affordability crisis in cities like San Francisco and New York. Yet if people decided to not live in the most expensive parts of the city, their affordability would go way up!

For example, instead of paying $4,500 a month for a two-bedroom in Pacific Heights, you could have a nice two-bedroom in the Outer Richmond district for $2,700. A $1,800 a month cost savings is significant if your goal is to be financially secure ASAP.

Related: Housing Expense Guidelines For Financial Freedom

The Sacrifices Are Not That Big

Moving five miles west means being five miles further from downtown San Francisco, where most of the jobs are located. If we had to work downtown, the extra commute time would be 15 minutes on average each way.

15 minutes is nothing given we all have phones to nourish our minds with Financial Samurai articles. It is simply amazing how quickly we can kill time once we’re allowed to surf the web, listen to music, text with friends, play games, or watch some Netflix.

The cost to take the bus downtown from the north end where I used to live and the Muni downtown from the west side where I currently reside costs the same $2.5 each way, or $78 for a monthly commuter pass. Meanwhile, the invention of Uber pool and Lyft Line has lowered car service by 60-70%.

Further, if you move to a less densely populated area, there are benefits such as less traffic, less litter, less crime, more diversity, more parks, and cheaper goods and services.

Where I live, you can get a haircut for $12 pre-tip and eat a nice dinner for $15 a person. Where I used to live, the same haircut costs $26 pre-tip and you’d never be able to escape a restaurant for under $30 a person.

Don’t Let Your Ego Get In The Way

If you want to accelerate your path to financial freedom, you’ve got to squash your ego for that big fancy house in a prime neighborhood. You might also have to even relinquish your desire to live in an international city like Washington D.C. or Los Angeles.

During my late 20s, I felt I needed to live in the best neighborhoods because that’s where all my colleagues lived. It was a similar pressure to buying nicer clothes than I was accustomed to, to look the part.

But once I extricated myself from the workplace, there was no longer any peer pressure. Sure, living in a fancy neighborhood was nice, but I wanted a change of scenery 13 years later.

Lowering my expenses by 40% since 2014 while concurrently growing my passive income by 50% in the same time period has done wonders for our financial well-being.

Our monthly cost to live has now plummeted to well below 5% of our gross income as a result. Growing this gap is the key to financial freedom.

We used to feel a little guilty being away from our house for more than two weeks because that meant we were paying double living costs for that particular time period. Nowadays, our housing costs can hardly be felt, so we feel much freer.

If people arrogantly tell me, “Wow, you live so far away from downtown,” I think to myself: are you really justifying paying a premium in rent or purchase price just so you can live closer to work to work longer? You mindless fool! 

Of course, I play dumb, nod and tell them it must be nice to live so much closer to work.

Start Small, Work Your Geoarbitrage Way Up

It’s always good to start small when testing new things. Instead of relocating to a different country, try relocating to a different part of your city first.

Once you understand the challenges and get comfortable with the new environment, then consider relocating to a cheaper part of the country. If living in a cheaper part of the country isn’t enough, then you can rip off the band-aid and go international.

The last thing you want to do is uproot your entire life in a completely new environment and feel like you made a mistake.

One family of five I know paid $200,000+ in real estate commission fees to sell their house in order to relocate to Florida where the wife’s family is from.

They ended up hating Florida because their adopted kids from Africa were being bullied and they are white. So they decided to move back to San Francisco seven months later and buy and remodel a new house for multiple millions.

Try before you buy folks.

Being able to work from home definitely helps with geoarbitrage no doubt. But even if you had to go to an office with bright fluorescent lights that burn your skin and accelerate your aging process by 20%, having to commute an extra 10-30 minutes each way to save big bucks isn’t much of a sacrifice.

Instead, it’s a blessing to be able to enjoy your same city and breathe in the same fresh air while saving so much money every day.

If you think you deserve to live in the best area, then be happy paying higher prices. If you aren’t happy with the cost, please relocate to a different part of town.

Nobody is saying you need to move to polar vortex country to achieve financial independence!

Related:

Buy Utility, Rent Luxury: The Real Estate Investing Rule To Follow

How To Invest Your Down Payment If You’re Planning To Buy A House

Readers, have you geoarbitraged in your own city or area before? Why aren’t more people willing to move to save on housing costs?

PS: I’ve started a Moving To Honolulu thread in the FS Forum. For those of you who live in Honolulu or are knowledgable about life in Honolulu, I’d love to hear your thoughts. My next geoarbitrage moving is coming up soon and I plan to do a meetup. 

The post The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World appeared first on Financial Samurai.

from https://www.financialsamurai.com/the-proper-geoarbitrage-strategy/

[samuelfields]

The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World

One of the most common pushbacks I got from my post, “Why You Need To Earn $300,000 A Year To Live A Middle Class Lifestyle Today,” is: why the hell don’t I just leave expensive San Francisco if I’ve truly got enough passive income?

Believe me, I’ve been thinking about relocating out of San Francisco for years now because of the high cost of living, the increased population density, the growing homogeneity, the obsessive money culture, and the growing boredom of living in one place for almost 20 years.

My number one geoarbitrage destination is Honolulu, Hawaii, a place where stress simply melts away. My stress level averages about a 5 out of 10 in San Francisco, but immediately goes down to a steady state 3 when I’m in Hawaii.

Although Honolulu isn’t cheap, it’s about 20% – 30% cheaper than San Francisco in terms of housing. If you can save money and live in a nicer climate, that’s a win in my book.

But relocating takes time when you’ve grown accustomed to living in one place for so long. There are friends to say goodbye to and assets to unwind. Then there’s the small, but highly significant issue of raising a first child.

We figure we’d provide our son with a stable home environment up until he is 2.5-3 years old, and then consider relocating for preschool.

Geoarbitrage Already Happened

What I didn’t realize until recently is that I’ve already taken the first step in geoarbitraging in order to our lower costs and live more freely.

I move slowly with big life decisions because I’m more like a supertanker rather than a speedboat. Think of me as the classic late-stage technology adopter.

Everybody thinks about geoarbitraging as moving to the heartland or to Southeast Asia or Eastern Europe to save big bucks on living expenses. The reality is, such big moves are not necessary.

One can simply geoarbitrage within one’s own town or city.

Move 5 miles west, save 40%-50% on rent or purchase price in SF

By moving out of our single-family home on the north end of San Francisco in 2014, renting it out, and buying a single family home just five miles west allowed us to save roughly $4,200 a month, or 50%.

I don’t know about you, but when you and your partner don’t have stable jobs, saving $50,000 a year after-tax sure alleviates a lot of financial pressure.

We’ve been hearing so much about a housing affordability crisis in cities like San Francisco and New York. Yet if people decided to not live in the most expensive parts of the city, their affordability would go way up!

For example, instead of paying $4,500 a month for a two-bedroom in Pacific Heights, you could have a nice two-bedroom in the Outer Richmond district for $2,700. A $1,800 a month cost savings is significant if your goal is to be financially secure ASAP.

Related: Housing Expense Guidelines For Financial Freedom

The Sacrifices Are Not That Big

Moving five miles west means being five miles further from downtown San Francisco, where most of the jobs are located. If we had to work downtown, the extra commute time would be 15 minutes on average each way.

15 minutes is nothing given we all have phones to nourish our minds with Financial Samurai articles. It is simply amazing how quickly we can kill time once we’re allowed to surf the web, listen to music, text with friends, play games, or watch some Netflix.

The cost to take the bus downtown from the north end where I used to live and the Muni downtown from the west side where I currently reside costs the same $2.5 each way, or $78 for a monthly commuter pass. Meanwhile, the invention of Uber pool and Lyft Line has lowered car service by 60-70%.

Further, if you move to a less densely populated area, there are benefits such as less traffic, less litter, less crime, more diversity, more parks, and cheaper goods and services.

Where I live, you can get a haircut for $12 pre-tip and eat a nice dinner for $15 a person. Where I used to live, the same haircut costs $26 pre-tip and you’d never be able to escape a restaurant for under $30 a person.

Don’t Let Your Ego Get In The Way

If you want to accelerate your path to financial freedom, you’ve got to squash your ego for that big fancy house in a prime neighborhood. You might also have to even relinquish your desire to live in an international city like Washington D.C. or Los Angeles.

During my late 20s, I felt I needed to live in the best neighborhoods because that’s where all my colleagues lived. It was a similar pressure to buying nicer clothes than I was accustomed to, to look the part.

But once I extricated myself from the workplace, there was no longer any peer pressure. Sure, living in a fancy neighborhood was nice, but I wanted a change of scenery 13 years later.

Lowering my housing expenses by 50% since 2014 while concurrently growing my passive income by 50% in the same time period has done wonders for our financial well-being.

Our monthly cost to live has now plummeted to well below 5% of our gross income as a result. Growing this gap is the key to financial freedom.

We used to feel a little guilty being away from our house for more than two weeks because that meant we were paying double living costs for that particular time period. Nowadays, our housing costs can hardly be felt, so we feel much freer.

If people arrogantly tell me, “Wow, you live so far away from downtown,” I think to myself: are you really justifying paying a premium in rent or purchase price just so you can live closer to work to work longer? You mindless fool! 

Of course, I play dumb, nod and tell them it must be nice to live so much closer to work.

Start Small, Work Your Geoarbitrage Way Up

It’s always good to start small when testing new things. Instead of relocating to a different country, try relocating to a different part of your city first.

Once you understand the challenges and get comfortable with the new environment, then consider relocating to a cheaper part of the country. If living in a cheaper part of the country isn’t enough, then you can rip off the band-aid and go international.

The last thing you want to do is uproot your entire life in a completely new environment and feel like you made a mistake.

One family of five I know paid $200,000+ in real estate commission fees to sell their house in order to relocate to Florida where the wife’s family is from.

They ended up hating Florida because their adopted kids from Africa were being bullied and they are white. So they decided to move back to San Francisco seven months later and buy and remodel a new house for multiple millions.

Try before you buy folks.

Being able to work from home definitely helps with geoarbitrage no doubt. But even if you had to go to an office with bright fluorescent lights that burn your skin and accelerate your aging process by 20%, having to commute an extra 10-30 minutes each way to save big bucks isn’t much of a sacrifice.

Instead, it’s a blessing to be able to enjoy your same city and breathe in the same fresh air while saving so much money every day.

If you think you deserve to live in the best area, then be happy paying higher prices. If you aren’t happy with the cost, please relocate to a different part of town.

Nobody is saying you need to move to polar vortex country to achieve financial independence!

Related:

Buy Utility, Rent Luxury: The Real Estate Investing Rule To Follow

How To Invest Your Down Payment If You’re Planning To Buy A House

Readers, have you geoarbitraged in your own city or area before? Why aren’t more people willing to move to save on housing costs?

PS: I’ve started a Moving To Honolulu thread in the FS Forum. For those of you who live in Honolulu or are knowledgable about life in Honolulu, I’d love to hear your thoughts. My next geoarbitrage moving is coming up soon and I plan to do a meetup. 

The post The Proper Geoarbitrage Strategy: First Your City, Then Your Country, Then The World appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/the-proper-geoarbitrage-strategy/ via http://www.rssmix.com/