Jump to content


  • Content Count

  • Joined

  • Last visited

  • Days Won

  • Feedback


Malsua last won the day on May 28 2020

Malsua had the most liked content!

Community Reputation

1,402 Excellent

About Malsua

  • Rank

Profile Information

  • Gender
  • Location:
    Florida, free from NJ
  • Home Range
    Shooter's World (FL)

Recent Profile Visitors

12,753 profile views
  1. I am sorta bummed about no snow here in FL, but I can tell you that since I've been here 10 months now, 60 degrees is cold, anything colder than that artic tundra! It's finally Florida again this week, lows about 65, highs in the 80s. We had a stretch of weeks there, I had to put on jeans, a tee shirt, an undershirt, a heavy fleece and a jacket to walk the dog. 50 degrees, BRRR. It looked a little something like the picture below.
  2. It was 27.3 degrees here for near on 8 hours. We covered our plants as much as possible but pretty sure some of them are smoked. That said, I demand that NJ take it's weather back! No, NJ, you have no visitation rights with me! Thankfully old man Florida woke up at 8am, had breakfast and shoved the cold back north by noon. Today it's a wonderful 70 and sunny.
  3. Snowstorms make me think of snow days, one of the joys of childhood. Going to be cold here too, I'm hearing below freezing in Miami! Break out the national guard. We had some piece of that thing down here over the past two days. It was cold and rain with a miserable 50ish degrees. Good luck.
  4. The state taxes mattered quite a lot because from April to December, I paid no state taxes on my income. NJ was getting me for just north of $100 a week. Not only that, if I decide to take a big chunk out of retirement income to pay off one of the houses or to buy a car, whatever, I don't trigger any state taxes, just federal. I have a decent chunk of unrealized crypto gains that could also do some damage if I decide to realize it. I know the goal is to minimize income, but when I do work, I make a decent income because I'm one of about 50 people in the country who has my skills. My ex employer built in 30k for consulting or me in 22, so that's just bonus money that I'd rather not have NJ get. I don't really have to do any of it, but once again, it's really easy to start triggering taxes when I can sneeze hard and bounce over 6 figures.
  5. I did it when I could and am glad I did even though I'm now unemployed. I'm no longer burdened under the groaning weight of NJ taxes and expenses. I'm also in a warm climate where food pretty much grows year round. I don't have a huge winter propane bill and while electric in the summer is costly, my electric bills for this house are STILL lower in the summer than they were in NJ. I've actually been doing handyman work on the side and if I never went back to a full time job, I'd be content. Granted, we were financially prepared to do this and I own two properties one of which is income positive. Every little bit helps. If we have a full societal collapse, I don't think you can live anywhere frankly so this is good enough. Besides, we've seen this happen in other countries and the people are still living there and getting by. I don't have a commute. I don't have state income tax, my property taxes on two homes is less than my Sussex taxes were. I can pluck Bananas off my Sister's tree if I get that hungry. I have a small lemon tree too and we're currently getting bombarded with Oranges :).
  6. You can find rural in Florida pretty easy. As far as land goes, there's more rural land the further north you go. I know there are lots and such selling like hotcakes on the west side north of Tampa and above. East of Homosassa and Crystal springs. It only gets more rural as you go even further north. Essentially once you get out of the major population areas, Florida is quite rural. Even where I'm at in The Villages, I can drive about 10 minutes west, east or north and start running into non paved roads that dead end into nowhere. Lots of horse farms and houses sitting way back on large plots. While there there are still rural areas south of I4, it's not like north if I4.
  7. I miss NJ Bagels and much of the NJ pizza. There are a lot of chain restaurants here in The Villages; we're missing Greek diners and Italian eateries.
  8. I moved to Florida in April. Sold the NJ house. We've owned a house in The Villages since 2019, which is about 20 miles south of Ocala. We bought a 2nd house in The Villages and rent the first one now. It's income positive. I Lived my first entire summer here in Florida this year. The heat is a big nothing burger. Yeah, it's hot, it's just as hot in July in NJ. You just don't do outside stuff, from like 1 to 5pm. You can, but it's got to be in short doses. Besides, you go from a house with AC to a car with AC to a place with AC, rinse repeat. The difference is that summer runs from April to mid October. Right now, it's very pleasant. Highs in the high 70s, lows in the low 60s. Yes, you get the occasional cold snap, where it struggles to get into the 60s, and every once in a while, it gets into the 30s. I've already lost my tolerance for cold though. 50s was Tshirt weather in NJ. Down here, I'm bundled up like Nanook of the North when it's in the 60s.
  9. 90 days to fatten the curve of his wallet.
  10. Florida is similar. There is some bits of it here but for the most part, no one cares. Although I did see a woman wearing a mask, alone, in a golf cart tonight. I guess she's worried about getting it from a passing vehicle.
  11. And here in Florida, I just got off the cart after dinner. Wearing shorts and a Polo shirt. It's a nice 73 degrees. I sold the truck, plow and snow blower before I left. While I was fond of that stuff, I'm really fond of 70s at 7pm on Jan 2.
  12. Windows and sliding glass doors for my Villa? Ordered in MAY. Supposed to be out for delivery, today. I'm skeptical. Ordered seat covers for one of my golf carts? Ordered in April. Arrived a few weeks ago. The trusses were ordered in May, arrived in mid September. Anyone trying to buy a golf cart around here is told April delivery. Nothing is available used, even garbage. The only thing I've seen positive is that Ammo seems to be coming around again. I have to say, I'm glad winters aren't _that_ cold here, so heating costs are low. Also, I no longer have to buy propane, which might go insane. Let's go Brandon!
  13. I have said this a bunch of times. Dollar Cost Average 50% BTC 50% Eth and profit. I also bought about $150 of Shiba Inu some while back. Tonight, I sold $200 of it and sent that money into my BTC wallet. I still own about 8,000,000 shib which is currently worth about $550.
  14. Just buy VOO or VTI. That's as close as a sure fire "safe" bet as you're going to get but still has great growth. VTI is includes small and mid caps, so if one of those segments performs strongly either direction, it shows up in the overall. VTI tends to outperform VOO in the long run but when there is a correction, it tends to eat it harder. As long as you can hold for at least 18 months, either will recover any potential correction. I have a lot in Voog(the growth version of Voo) and a lot more in VTI. VOOV has been a dog lately, so don't buy it. I sold my position when it finally made it green.
  15. Speaking of shortage, so I'm buying paint for our 2nd villa and they not only have very few cans of paint at Sherwin Williams, they have the NERVE to charge a 4% "Supply chain" fee. I've never been a fan of Sherwin Williams, it's just that all the approved colors are Sherwin Williams coded. Yes, I know homodepot can match it, but we just wanted to go grab the color and leave, not deal with some moron in the paint department out on work-release. I could understand the FEE if you actually had the store stocked up. Apparently, you let the stock go, didn't pay any extra to get more in, and just decided empty shelves was a good excuse to charge extra. At least the new windows are supposed to be in soon. We only ordered those at the end of April. The supply chain was better during WWII when they were running around collecting pots from housewives to melt down for scrap.
  • Create New...