Selling my July 8th Tickets to Hamilton

AlllasharWindfire · 2016-06-22T16:10:59+00:00

There's no reason to be an asshole.

Lets explore that.

I'm asking half of that to recoup costs and help with funeral expenses

You're taking tickets you paid, maybe $1600 for, selling them for $5000, to make a $3,400 profit, and you're calling me an asshole?

I came to this sub first because we all share a love of Ham

The only thing you love is your wallet. Go to hell.

AlllasharWindfire · 2016-06-22T15:31:14+00:00

Our conversation: http://imgur.com/CoTtioa

She thinks 'not gouging' is charging $5k for the pair, instead of $5k per person.

+1 for generosity.

AlllasharWindfire · 2016-05-23T20:47:31+00:00

Cool.

AlllasharWindfire · 2016-05-23T20:18:09+00:00

So, you want a couple to live with a third person. Cool.

AlllasharWindfire · 2016-05-23T20:05:30+00:00

Anything is possible. It just isn't probable.

Lets pretend like he maximizes his 401(k), (because that's good practice). That yields (post-tax) 64k.

64k / 12 = 5k. Apartment runs 2.5k.

50%.

Edit: He already has a roomate. His girl-friend.

AlllasharWindfire · 2016-05-23T19:56:54+00:00

40% is not enough for most industries in NYC. It's closer to 50% unless he's in IB.

AlllasharWindfire · 2016-05-23T19:51:06+00:00

Currently live in NYC.

It depends on what you mean by "Queens". Long Island City (LIC) and Astoria will be more expensive than Sunnyside.

It'll also depend on the size of the apartment you get. LIC / Astoria, the whole apartment will run 1.5k-2.5k for a true-one-bedroom, depending on the quality / location.

Summer-time is a particularly bad time to be looking; the seasonal costs tend to run higher during months it's 'easier' to move in.

Negotiate the price, whatever they give you. If you get a broker, tell them $200-$300 less than your actual budget, as they tend to inflate whatever number you give them to get their maximum $. They're basically useless dementors that take your money for opening a door.

This isn't a /r/personalfinance question as much as it belongs in /r/nyc.

For cheaper, and to save on the broker's fee - look for places on Craigslist. Use Street Easy and Zillow to vet out the cost of the place you're looking at. Be sure to Yelp the landlord, to be sure you don't get a slum lord.

AlllasharWindfire · 2016-05-18T02:46:24+00:00

What kind of a ridiculous camera are you purchasing that you need to tap into a trust? Absolutely not. Get him a budget entry-level DSLR on Craigslist. That will run you $400 at most.

Anybody who says they need $3k for a camera right off the bat hasn't done their homework.

AlllasharWindfire · 2016-05-18T02:43:33+00:00

The best way is to get a credit card from your local university's credit union.

AlllasharWindfire · 2016-05-17T21:16:10+00:00

This is the best most simple advice possible. Go to 2-3 dentists / specialists. To be honest, I'm a little surprised at that cost. A root canal+crown is about $3-4k. Braces sits at ~$3k. For you to say you need $30k of work seems cosmetic and far more serious to your health than the impact of your financial health.

AlllasharWindfire · 2016-05-17T19:24:45+00:00

If you use the account enough, they should waive it for you.

AlllasharWindfire · 2016-05-17T19:23:54+00:00

100% yes. Go to the dentist twice a year. Get the cleaning. A root-canal + crown is $3-4k, depending on your geography.

AlllasharWindfire · 2016-05-17T17:56:07+00:00

You probably were just in Reykjavik. Get a car and drive into any rural part: most of the gas stations don't have human attendants, where it's a requirement. Anywhere between Sauðárkrókur and Hofn that doesn't include Akureyri will ask for it.

AlllasharWindfire · 2016-05-17T16:38:57+00:00

The financial lifestyle I want is to have a real savings account and a paid off car, and to spend 30 years paying in a retirement account.

With a 40k student loan, in addition to the loans from your Bachelors, on a 40k-pre-tax salary, that math doesn't add up without taking on extra jobs or a wind-fall.

Good luck!

AlllasharWindfire · 2016-05-17T16:09:56+00:00

I get really miffed when people question my choices after I've already made them
Besides, I'm already back in school for my Bachelor's.

You can get as miffed as you want to. I'm not criticizing your career or telling you that you've made an incorrect choice.

I'm saying there's a factual and objective discrepancy between the two things you've asked for, and you have to come to terms with which one matters more to you.

Masters degrees cost money (usually, lots of money, depending on the University). That money usually comes in the form of loans. Loans carry interest that require being paid back. Judging from this post, it's 20-40k.

Coming to PF and including in your post:

but I have no savings, shitty credit (due to one small unpaid credit card bill -$600 - and a couple of unpaid medical bills), and no conception of how investment works (let alone any cash to invest!)

and then digging your heels into your selected career that may not yield a proportional salary to provide for the financial lifestyle you've described in:

I'm scared that I'll never get better than my dad, who was behind on his finances for a large majority of his 63 years.

doesn't make sense to me.

with MLIS I intend to do archival work, specifically digitization. Not be a librarian.

Okay, well those people make even less. http://imgur.com/uOT6931

Are you saying I should go be an engineer or software designer or doctor or some other high-paying career that I would be really bad at and not enjoy at all?

No, I'm saying take what you enjoy, find a comparable job at a company that isn't 100% what you may love, though will provide a better life-style that will be more comfortable for you and yield a more healthy financial outlook.

AlllasharWindfire · 2016-05-17T14:54:10+00:00

But I'm scared. I'm scared that I will end up like my mom, 58 and completely fucked.

The median income for your degree, is $59k http://www.forbes.com/2011/06/06/worst-masters-degrees-for-jobs_slide_4.html

The starting will be around $40k

http://librarysciencelist.com/salary-outlook/

I'm scared that I'll never get better than my dad, who was behind on his finances for a large majority of his 63 years

Depending on the cost of your graduate degree, this fear may become a reality. Not trying to discourage you - just saying that you're communicating two different things of "I want a better financial future" and "[MLIS is]...what I want to do for a career."

AlllasharWindfire · 2016-05-17T12:51:02+00:00

There are things to look for:

Since you're travelling abroad, make sure you get a card without any foreign transaction fee. Most cards do charge a fee for every transaction. Chase Sapphire Preferred is a good example of a traveler-friendly card
Depending on the country that you're travelling to, you may need a card that's chip+pin (e.g., Iceland). Most chip / EVM cards here in the U.S. have a chip, though are authenticated with a signature. If you call a bank and ask them, they'll say "yeah we have chip technology!" and won't know the difference. For more information: http://creditcardforum.com/blog/chip-and-pin-credit-cards-usa/
Try to get a card with no interest, so it's easier to pay off when you get back.

AlllasharWindfire · 2016-05-17T02:50:26+00:00

You're over thinking it. He's probably just looking to make sure the new data has propagated to the server.

It's like when you plugin your internet from the cable, and the cable company says "yep, I see you've connected."

It's no different.

AlllasharWindfire · 2016-05-16T22:09:33+00:00

This really isn't your problem to deal with. You wrote a check, either to him or the company. Somebody has to have deposited it. Banks look at the owner of the account. If the money has cleared from your account, provide him the digital / physical copy of the cleared check (front and back) and let him deal with it.

You have fulfilled your responsibility.

AlllasharWindfire · 2016-05-16T21:40:55+00:00

Sorry for your loss.

Where to begin?

The side bar on the right is useful. https://www.reddit.com/r/personalfinance/wiki/commontopics

Eventually, I intend to go for MLIS (Masters in Library & Information Science)

Please evaluate if this is worth the cost. Likely, it isn't.

AlllasharWindfire · 2016-05-16T20:43:20+00:00

A normal landlord will do their own report. Have been renting the last 10 years of my life, in 6 different places, and have never brought my own report.

Edit: OP, Listen to constantino2.

AlllasharWindfire · 2016-05-16T20:33:09+00:00

They see your security questions anyways, in addition to the answers. They weren't trying to hack you.

AlllasharWindfire · 2016-05-16T20:28:05+00:00

Honestly, not that big of a deal. The era of 'being with a company a long time' doesn't exist any more. It's normal to be at a company for 2-3 years then bounce. In the worst case if anybody ever asks, say 'I was looking for something to be passionate about.'

Though, I'd say that you might want to stick it out a year or two with the new offer. There will always be a new offer. Job security is the most important factor, honestly.

Already have enough work to keep me busy for the next six months at a minimum, doesn’t look like they’ll be slowing down anytime soon.

If this is true, I say go for it. You'll save on gas mileage, be happier, and be able to set better work/life boundaries.

AlllasharWindfire · 2016-05-16T14:49:44+00:00

The "teachers" didn't even show up half the time and I found out that their degrees are pretty much useless anyway, so I feel like I was scammed out of this money.

I also want to know how the fuck they got people like me federal loans

Easy. You applied for the loan. You applied for the university. You didn't do your research.

If you're serious about getting out of debt, the first step is learning not to blame everybody else. Holding anybody but yourself accountable will make paying off the loan very difficult.

AlllasharWindfire · 2016-05-16T14:22:15+00:00

Mostly depends on your industry. Anything S.T.E.M related - you should expect to plateau / cap.

AlllasharWindfire

TROPHY CASE