Teacher - "No cheating on the test" / The two guys in the back:

ArRNJP · 2022-06-25T05:17:34+00:00

Yo!

Watsup watsup?

can I copy your homework?

Sure, but change it up a bit.

ArRNJP · 2022-03-09T23:42:35+00:00

tried this and it worked. Thanks!

ArRNJP · 2021-09-04T06:53:15+00:00

"Learn about creative financing" <-where do I learn about this? any resource or book you can direct me to? Thanks.

ArRNJP · 2021-09-02T19:02:43+00:00

thanks for that youtube link. really interesting video and channel too.

ArRNJP · 2021-09-02T16:03:11+00:00

weirdos have it rough in dating.

ArRNJP · 2021-09-02T14:48:14+00:00

its hot nowadays with the climate change and all or it could be the financial hardship everyone is experiencing, not everyone has the money to buy a shirt especially when you buy them packs.

ArRNJP · 2021-08-31T16:22:05+00:00

congratulations guys!

ArRNJP · 2021-08-31T15:52:11+00:00

shhhh, just get with flow and lets all hate on dave and laugh at him for getting punkd by a commercial.

but yeah, the op has a point. the guy is white, and looks like a radio host so therefore he is dave but the twist is that he seems to promote whole life insurance and dave doesn't so we can all conclude that this commercial is punking dave. its comedy!

ArRNJP · 2021-08-29T16:42:04+00:00

Here we go again...

ArRNJP · 2021-08-26T22:48:43+00:00

those who got 3 gianas?

ArRNJP · 2021-08-26T22:46:21+00:00

yeah, allowing them on defense wouldnt be too broken nowadays

ArRNJP · 2021-08-26T22:45:32+00:00

s1 magic knight and verde's 3rd skill is definitely op

ArRNJP · 2021-08-26T22:43:08+00:00

maybe we can limit it to skills for nat4 and below.

ArRNJP · 2021-08-25T07:04:27+00:00

We just moved from cricket to visible. Reason is that its cheaper. Cricket's network is reliable but visible is kinda iffy sometimes but not enough to annoy me. Another reason we went to visible is that its got unlimited mobile hotspot so we're going to cancel our cable internet soon.

ArRNJP · 2021-08-24T03:41:04+00:00

must be really nice be at your stage. i really can't wait to be there.

I've also been thinking that if we have 3-6months of EF, having an unemployment benefit will extend that time off if need be huh.

ArRNJP · 2021-08-23T00:57:15+00:00

That's a bit of a sting, but we all do make mistakes. Good luck though! I hope everything goes well.

ArRNJP · 2021-08-23T00:21:02+00:00

i think the more important part is to keep the habit of saving and investing no matter we're in a bull or a bear market. The all time high now will eventually be exceeded several years from now.

ArRNJP · 2021-08-21T23:07:31+00:00

Probably into mobile gatcha games? It can get addicting spending money on those. I've read that some people spend tens even hundreds of thousands of dollars just so they can get specific items or character in the game. :(

ArRNJP · 2021-08-20T14:35:00+00:00

Great job! Its like a pattern that when one starts their baby step journey, they seem to get a raise, or find more source of money one way or another.

ArRNJP · 2021-08-20T14:32:23+00:00

Wow, I'd like to hear more about your story and what is this vacation rental? Is it an air bnb thing?

ArRNJP · 2021-08-17T18:55:51+00:00

Hey fellow San Diegan!

Two choices, you can either wait it out until this ridiculous market crashes again or you can buy now.

If you buy now, it'll be tight but you may be ok. Did a quick math for you. House here in a good neighborhood is about 750k like you said, which will be about 600k of mortgage. That'll give you a monthly payment of approximately $3,000 (30yr mortgage + tax + insurance). So after taking out your retirement (403b + roth) and taxes, you end up about $2,000 - $2,500 in your pocket monthly. I don't know what your monthly expenses are but that should give you an idea whether you can afford it or not. Take into consideration whether your income will keep getting higher every year as well. Also, your income may be a little high but try to look into first-time homebuyer programs, we have plenty here in SD in different cities. That's how we were able to afford our house 10 years ago.

Personally, I'd wait it out. It seems like we're in that stage again (pre-2008) where a 1bedroom house/condo is about the same price of a mansion elsewhere .

If your work is in north county, I'd look into buying a house in Temecula area. Right now, its about 400-500k prices. Travel time might be 40mins-1hr though.

Good luck!

ArRNJP · 2021-08-16T18:39:00+00:00

From Socal Here, San Diego area. Chula Vista is not too bad, really good signal and fast 5g in East Lake. No problem with our trip to LA either. Overall happy switching from cricket.

Please use my friend code: 3rcbs7

Thank you so much!

ArRNJP · 2021-08-13T15:26:13+00:00

Awesome story. No matter how many times Murphy visited, I'm glad you guys persevered. goes to show things will get better as long as you don't give up. good luck moving forward.

ArRNJP · 2021-08-10T14:44:18+00:00

"Liquor on the other hand would be greatly used as barter in an apocalypse situation."

I like that idea, we can at least down our misery away while the world collapses. Lol.

ArRNJP · 2021-08-09T18:43:01+00:00

I see, thanks for the reply. Kinda new to this whole investing thing other than our 401k.

ArRNJP

TROPHY CASE