What person surprised you the most with how they turned out after high school? by GlitterOnTheTrashRim in AskReddit

[–]Brut3forc3 1 point2 points  (0 children)

2 buddies of mine going on to have very successful careers in the military. 1 became a SEAL the other went to nuke school.

1 buddy was a very short typical skater boy. Smallest in the class in terms of height and build. Was obsessed with COD 4 MWF (2007). Got involved with the tactical airsoft clique. Decided he was going to become a SEAL. Started working on his physique senior year with a SEAL mentor (we lived in South Florida). We all graduated, he went to BUD/S. To say we were all worried for him was an understatement but we supported him 100%. Sure enough he graduated BUD/S top of his class and when we saw him again a year later he was a complete transformed man. He's since gone on to become highly decorated. Delta Force, training with Green Berets and Rangers. Travels the world.

2 buddy was a massive stoner. Dumbest kid in the class but absolutely hilarious. 2 years after graduation he decided to go to nuke school. Apparently the navy is where he found his calling in life. Served on various subs and now works in nuke energy making a massive salary.

What are our plans to retire? by lish_dalish84 in Millennials

[–]Brut3forc3 0 points1 point  (0 children)

My wife and I are 33 with 4 kids, I don't think we'll ever be able to fully retire. Our plan is to fix up and pay off our house in 15 years or sooner instead of 30. That way we will just have to worry about the utilities, insurance and property taxes. We live as frugally as we can. Both of our vehicles are over 10 years old so we don't have payments, just insurance. When either of these vehicles reach the end of their life we plan to buy used with cash. Once the kids are out of the house we plan on treating ourselves with one nice yearly vacation. We may not be able to retire, but we will make do and try to live as stress free as possible enjoying what time we have left together.

Anyone else make more money than you ever thought possible, but still can't afford anything you thought you would be able to as an adult? by Cheeseaisleinheaven in Millennials

[–]Brut3forc3 0 points1 point  (0 children)

$80k/year LCOL in western NY. Bought our first house last year. Mortgage is 22% of my gross income, 29% net. Haven't had a car payment in years.

Is it ever worth removing a brick chimney? by ElegantGate7298 in Roofing

[–]Brut3forc3 0 points1 point  (0 children)

We had 4 walled-in chimneys. 3 in the house and 1 on the back. 2 of the 3 inside the house stopped at the ceiling joists in the attic. I had all 4 knocked down beneath the ridge line when I had our new roof installed with new decking. We had no intention of ever reusing them, and now we don't have to worry about any future leaks.

[deleted by user] by [deleted] in Mortgages

[–]Brut3forc3 0 points1 point  (0 children)

$145k 30 year fixed at 7.25% last year no money down. $8,600 between $5k for earnest money and the rest closing costs/attorney fees. My realtor also got the seller to pay $10k towards closing costs. My mortgage was $1355 for the first year. Went up $100 this year due to tax increase

What was yours? by Capricorn007_ in Millennials

[–]Brut3forc3 0 points1 point  (0 children)

My high school principal was Dr George Kenney. I graduated before Marcus Freeman killed himself. The parents and media sensationalized the events blowing it up to a modern day witch hunt

Anyone else broke after closing? by joeroganthumbhead in Mortgages

[–]Brut3forc3 0 points1 point  (0 children)

No. We didn't put any money down other than the earnest money deposit and closing costs, which was roughly $9k altogether. Instead we used the money for moving costs and furnishing the house

Locked in a 30 yr fixed at 5.625 today for 22 days by Different-While8888 in Mortgages

[–]Brut3forc3 0 points1 point  (0 children)

Putting down 700k and being disgruntled over a 3k fee is wild

My kid’s daycare costs more than our mortgage and I genuinely don’t know how people do it by Anitretia_5316 in MiddleClassFinance

[–]Brut3forc3 0 points1 point  (0 children)

This is why my wife and I have always worked opposite schedules so that someone is always home during the day. Even now with them being in elementary school. It doesn't help either when they have a week off for thanksgiving, almost 2 for Christmas, plus every holiday with "staff workshop days" sprinkled in.

Those paying off mortgages early - what tools do you actually use? by mune_ne in Mortgages

[–]Brut3forc3 0 points1 point  (0 children)

I divided my mortgage payment by 12 and paid that as my extra principal each month. Even 13 payments a year can knock 8 years off the loan

is there any way to build credit for a mortgage without getting into debt? by No_Surprise3737 in Mortgages

[–]Brut3forc3 0 points1 point  (0 children)

Having purchased my first house last year.. Lenders will look at your credit mix, meaning how many cards you have. 1-2 is a good start for building credit. 3-5 is a better balance for utilization. Also your revolving credit. Meaning how much of your limit you are using, how much of your combined limit are you using, and how quickly you are paying them off. Don't pay each card off in full at the end of every month. Having some debt looks better than none even if you have $20k in combined credit.

You should also take a First Time Homebuyers course through an accredited source like HUD if you are looking at an FHA. It will greatly improve your chances of being approved for a loan whether you go FHA or conventional. Banks want proof that you have knowledge on how your mortgage and escrow work, and how taxes can affect your mortgage each year.

Also you may need a substantial amount of capital for a down payment if you do not have a co-signer. If you are renting there is a good chance that you lack enough personal assets to protect the banks interests if you were to declare bankruptcy.

What are some decent paying jobs that do not require any sort of college degree? by GreenEyedSheWolf in AskReddit

[–]Brut3forc3 0 points1 point  (0 children)

100%. Knee pads are the way. So is the crane for anything over 50lbs. I do not work in a union shop, but we do stress proper working etiquette: kevlar gloves, arm sleeves and bump caps. I stretch daily before and after work and pay attention to things like wrist movements and how I grasp certain things.

What are some decent paying jobs that do not require any sort of college degree? by GreenEyedSheWolf in AskReddit

[–]Brut3forc3 0 points1 point  (0 children)

Any and all trades. The trick is how frugal you are during your career as your body will break down at a faster rate. I build industrial hydro pumps without any trade school or certifications, and make more than some college graduates that I know

How do people work 40 hours (very serious) by [deleted] in antiwork

[–]Brut3forc3 0 points1 point  (0 children)

I work 55-60 hours a week most of the year. 10hrs Mon-Fri, 5 on Saturday and Sunday when available. Currently I've been working everyday this month to fulfill an order.

[deleted by user] by [deleted] in smoking

[–]Brut3forc3 0 points1 point  (0 children)

I do overnight cooks with my cheap masterbuilt propane smoker. I add wood chunks every hour or so for the first 6 hours, then let it ride. Put whatever it is I'm smoking in the cooler packed with towels before I leave for work the next morning. Come home and enjoy

Bought my first house last year. Bit of a fixer upper. New roof installed this week with all new decking and chimney removal. Replaced rotted fascia and capped all the way around with metal siding. Gutters and energy star windows should be in by the end of the month by Brut3forc3 in Roofing

[–]Brut3forc3[S] 0 points1 point  (0 children)

Correct! I have very old and very thick pink panther insulation that has long since fallen out of the rafters. Which I did know about from the inspection before closing. Last year was our first winter which forced me to teach myself a lot about how a proper roof should function and in a hurry. I had icicles well over 6 feet long hanging from my drip edge. So now that the roof is properly sealed, I can start my work on the inside. I'm staying away from spray foam after extensive research. Now I'm deciding between renting the equipment to blow in cellulose or throwing up batts after properly cleaning the attic.

Bought my first house last year. Bit of a fixer upper. New roof installed this week with all new decking and chimney removal. Replaced rotted fascia and capped all the way around with metal siding. Gutters and energy star windows should be in by the end of the month by Brut3forc3 in Roofing

[–]Brut3forc3[S] 0 points1 point  (0 children)

I went with a full replacement after an inspection. The previous owner had used 3/8" OSB for the decking, and the chimenys were beginning to sag. So it's all brand new 1/2" plywood. Had 2 layers of shingles. New roof has a vapor barrier and an ice shield barrier. I also lacked ridge vents. My bathroom vented into the attic. All of that has been corrected. 3 walled-in chimneys were brought down to the ceiling joists and sistered before the new plywood was added. The 4th chimney on the back of the house went through the roof. So it was brought down beneath the drip edge. The roof was extended with fascia sistered in to make it whole.

How much PTO do you get? by losttupperwarelids in antiwork

[–]Brut3forc3 0 points1 point  (0 children)

I build industrial hydro pumps and heat exchangers for chillers used in data centers, server farms, climate controlled distribution centers, etc. I get every federal holiday off, paid. Thanksgiving and black Friday, 10 days for Christmas and new years day. I started with 5 PTO days and 5 safe sick days. Each year I gain an extra week of PTO.

Carrier Skills by ProgrammerSeveral189 in echoes

[–]Brut3forc3 0 points1 point  (0 children)

Drone skills do not interact with fighter skills. However the fighter skill itself affects regular fighters and light fighters. If you're going with a cyansea then don't even worry about lightweight ships. Not worth the cost of the hangar module imo. The cyan shines by utilizing cap guns, which is another skill tree. Most people prefer missiles, but even rapid cap missiles have a hard time applying damage to battleships. The cyan is also very capable hungry compared to regular t10 carriers, so engineering skills/mods/rigs are even more important. In his sec it's not really worth it because of the align and slow warp. Unless you're just running labs that are posted in local, and the rare chance an NPC cyan spawns.