cindypenguin

distressed real estate investment analyst ❤️ prev @cluely, personal finance, homeowner x2, economics, points/travel, @uciesports, league of legends. froze my🥚s

[cindypenguin @cindypenguinn]

Hi all — I just moved to San Francisco after 12+ years in Irvine/Los Angeles

I’d love to make new friends & reconnect with any old ones (childhood/Hawaii/esports/UC Irvine)

I’m super new & am hoping to put down roots to build a sense of home. Msg me if you’d like hang out 🤗

[cindypenguin @cindypenguinn]

#NewProfilePic

[Ideogram @ideogram_ai]

Introducing Ideogram 4.0: the best open image model in the world.

Think it. Make it. Own it.

Download the weights, fine-tune on your own data, and run it on your hardware. Live on every Ideogram plan and the API today.

[cindypenguin @cindypenguinn]

@opalelectronics yalls investors are nuts

[Opal @opalelectronics]

the table.
an update on opal electronics.

https://t.co/91eGxO5qV6

[Julie Chang @JulieChangRE]

@alyssaleann There’s comfortable sandals and wedges

Sofft
Clarks
Born

I can walk a 2-3 miles in them and past that I prefer to walk with more support

And for walking kicks - Cindy recommended them and I got a pair and they’re great

[Kate Tolo @_katetolo]

i too lost my boyfriend to claude

[High Yield Harry @HighyieldHarry]

Life after realizing the S&P generally goes up even if bad things are happening

[ali @endingwithali]

move to nyc for 6 months, pay for hinge+ and get on raya, get a girlfriend in NYC, then gaslight her into moving back to SF with you

[Will @WClemente]

Honey, make sure we’re budgeting for derivatives on agricultural commodities to hedge our grocery price exposure

[Sheel Mohnot @pitdesi]

One of the perils of rent control: Ghost Apartments 👻

New York City has roughly 50,000 vacant apartments. About a quarter are simply waiting to be rented. The rest are effectively off the market because legal rents do not cover operating costs or required renovations.

The unit pictured below is in the East Village, one of the most desirable neighborhoods in NYC.

It was previously rented to a long-term rent-controlled tenant. Historically, once that tenant moved out, the owner could renovate the apartment and reset the rent closer to market. That changed in 2019 with the Housing Stability and Tenant Protection Act.

Under HSTPA, the rent can no longer be reset to market. The maximum increase allowed here is $347, putting the legal rent at $955 per month. The unit needs roughly $100k in renovations. The math does not work, so the apartment stays vacant. That is wasted housing in one of the most expensive cities in the world.

This is a common outcome under rent control. The right solution is to eliminate rent stabilization entirely, let rents rise to meet demand, and allow landlords to reinvest in their buildings. Always remember - rent control does not primarily help the poor... it helps those who have been in their apartments the longest.

more:
https://t.co/LsSVnargms

h/t: @margrev

[taoki @justalexoki]

can't believe i wholeheartedly agree with aeIIa on something

[zel @hellozeli]

dude

[cindypenguin @cindypenguinn]

“Are you a quant?” is the best compliment I’ve gotten this weekend

[Andrew Yeung @andruyeung]

Status symbols over 30

- Not burnt out
- Loving partner
- Have 1–2 hobbies
- No binge drinking
- Stopped clubbing
- Dress fashionably
- Positive worldview
- Has independent thought
- Consistent fitness routine
- Zero desire to impress others
- Took action to pursue your dream
- Surrounded by ambitious, kind people

[Baby-Blue Collar Kid | USA 250 🇺🇸 @BabyBluCollar]

@ElishaDLong A marriage is a delicate balance between a man's retardation + confidence and a woman's genius + neuroticism

[cindypenguin @cindypenguinn]

fun dinner and night! @alexlin @joinstacked

[cindypenguin @cindypenguinn]

@NRNancy_ Followed you. LMK if you’re ever in my city 🫶

[cindypenguin @cindypenguinn]

@NRNancy_ I need to meet you one day, Nancy. I think we would get along very very well lmao

[cindypenguin @cindypenguinn]

@questmoosa Hmmm

[Nicholas Fabiano, MD @NTFabiano]

Starting something new is a struggle and requires a large amount of brain activity.

As you practice, things get easier and require much less brain power.

Keep practicing and your brain will do the rest.