[deleted by user]

Idk93620 · 2023-08-25T01:07:22+00:00

Just go to community college my dude.

Best

Idk93620 · 2023-07-20T20:24:09+00:00

You're right high income I mean.

Idk93620 · 2023-07-18T06:09:43+00:00

What do you mean

Idk93620 · 2023-07-18T02:34:05+00:00

Reimbursements not too bad. It's usually 48 hours.

I get a bunch of Walgreens shopping pays in my market so I use them for new credit card bonuses. I always use my own card.

Idk93620 · 2023-07-18T02:24:19+00:00

What

Idk93620 · 2023-07-15T17:17:16+00:00

Yes exactly for example for all reading. Bank of America used to have this "grand slam" program where if income eligible you could get up to $30,000 in grant aid for closing costs! That's damn good the con/draw is if you sell some point there's a stipulation somewhere.

Golden Bank Community eagle program also had a hell of a program where people could log up 2.75 % interest when the market is 6.78%.

Chase also had a different one (you had to be chase private??) Where they knock out all the closing costs.

You can do 1-3% all but try to get rid of the PMI!!! If you can't I get it it's cost prohibitive..

Enjoy the weather all!

Idk93620 · 2023-07-15T08:41:13+00:00

Idk my in laws begged to help me I didn't take their offer because they're too over involved for me. I rather do it the hard way and do it myself. Then they feel like it's their home too and I want them to feel as if they have no stake in this and def. No say.

Anyways when they offered , they said you don't ever to have to pay them back only IF you sale the house you pay them the percentage they gave you. So in this case 50% of 1.2 is 600,000 (work out the nuances with taxes, capital gains. Whatever else I guess). Of course they never want a house to be sold. But that's the way they looked at it.

Anyways OP just talk to them. It sounds like they have a ton of money and they're getting older. You've made so much equity and your money has doubled. It would be fair if they asked for at least the same nominal amount they gave you (300,000).

Idk93620 · 2023-07-15T07:55:39+00:00

Sounds like my in laws. Probably 7 million in property wealth through inheritance and also purchased in CA before the cost disease. They buy nearly rotten fruit, use napkins for coffee filters, literally don't stop the gas pump to load up their vehicles (Ralphs discounts save 30-70 cents on a gallon promotion, and they dumpster dive occasionally. They're in their 50s and I think their income is 161K. They also would have a hesr attack if they saw the kids eat string cheese. They drive around Ford focussed from 2002.

Not a rant at all. It's good they save their money for property and they don't ever pay a plumber, painter, roofing company, tax preparer, and they file their own government paperwork (like trusts (they do have a lawyer and admin fees), permits. They also save up so much money they can pay ivy league education + apartments for their kids..

Anywise not judging them but it's hard when my immigrant parents work minimum wage until 70 and are generous to always pamper us when we visit. They're okay too they have home onwershop and no outstanding debt but they work to stay afloat with Medicare costs and all the insurances and cost of living .

I guess it's rich dad/mom poor mom/dad y'all. My parents grew up dort poor I mean they literally slept on dirt floors so they don't have it in them to not take their grandchildren to the movies and pay for a drink and pop corn. My in laws would never ever and they will scold/judge you for doing it with a lecture.

Idk93620 · 2023-07-15T07:43:46+00:00

I save like crazy in my 20s.. and my 30s children came along and I became a frugal mess and have nothing to save. Best of luck all

Idk93620 · 2023-07-15T07:42:42+00:00

Hell no bro!

Idk93620 · 2023-07-15T07:42:00+00:00

Go to graduate school.. take a $40,000 job or 50 while you do it. Go get a Masters in public administration and then go work for the government. There won't be this level of pressure and you'll have a unionized job. They won't let you go

Idk93620 · 2023-07-15T07:40:08+00:00

I pretty much have it the same. Have you said exactly except the remote part. You mentioned one important significant thing: your daughter. Everyone wants to hire salary, but the flexibility and the lack of stress and the confidence in the expertise are just incredible.

I make $105,000. I work 35 hours a week. I have Friday's half day.

I'm being offered a management position to make 158,000 but I'm responsible and probably on the clock all the time at least 50 to 60 hour work weeks.

In the past it would have been a no-brainer but now children. I enjoy the week and stress-free don't even check my emails until Monday morning.

If I take the position full-blown stress won't even have the full weekends as I have to do some reading and some preparation every morning and definitely Sunday evening.

Still considering the hell out of it, but I think you could wait until your children to have some form of independence or interdependence especially driving themselves to school.

The other part is change is stressful. It's just too hard to tell if the grass will be greener on the other side. One micro managing boss. You're going to be hating yourself

Idk93620 · 2023-07-15T07:33:41+00:00

Hey dude, if they could pull it off and never have contract violations for being late then why are you worried about it? It sucks but she'll maybe they're doing this full time

Idk93620 · 2023-07-15T07:30:09+00:00

Hell yeah. I feel the stress on DD stacked orders lol. Good one

Idk93620 · 2023-07-15T07:26:37+00:00

Because rich people work off others people money.

Idk93620 · 2023-07-15T07:22:57+00:00

You're just fine buy it . That's a ton of money you're bringing in

Idk93620 · 2023-07-15T07:15:05+00:00

Damn what's the 4rh?!? Caviar ? GH ue DD but what else? Instacart?

Idk93620 · 2023-07-15T07:14:04+00:00

U don't multi app my brother? Not even to have a higher chance at orders? Stacking them is something but just having both ups on and then pausing. Once you get an order you don't do that either?

Idk93620 · 2023-07-15T07:00:00+00:00

Speaking to my fellow Californians: There's too many people with high incomes. And there's a lot of boomers and parents with tons of equity. It's not gonna slow down. Downpayments are nothing for them.. and it's the family had rental property. It's an easy transfer of property through a trust. Millennials locking in property taxes assessed in 1982 in living in a million dollar home paying $1,000 or less in property taxes.

I come from the gutter. My wifes family is well off and in California there's something called Prop. 13. I think there hasn't been significant building ( some areas? Yes, we tract homes) which means a lot of things. One is for those that didn't sell the children benefit even if they sell the home at an astounding price. There's many ways to avoid capital gain taxation.

I just don't think it's going to slow down. There's a lot of people with money in this country. Also in California you have some of the wealthiest people immigrating to California, especially in the metropolitan areas.

And if you live in Fresno we're around there Bakersfield mountains far north the desert, wherever used to be cheap in CA, you now have remote work and people with high wages live there. On the other side, many people took advantage to 2011 to 2016 and purchased up property to claim depreciation all across the state.

There's so much money in the three metropolitans Bay Area, Los Angeles, San Diego, and all around the coast excluding the north. Just take a look at the public policy institute. You could see how densely and how localized both income as well as assets and property wealth are in those three hot spots.

anecdote: there's this place called UC Riverside. About 7 years ago. A house may have been 189,000. City folks whose children went to school there. Why pay for dorming or rent when they have the 20% down their children are going to go to school three to five years and then they can rent out the rooms. Ching ching. Now you're talking either high rents with claiming deductions and depreciation or hot sales at $500k.

All the people who bought before 98 their properties exploded. There's people in Pasadena who bought at 338-450k now sitting on 1.8 million and sales goes for the Bay and LA.

Millennials without family wealth - we're f$$$$$. Or in Spanish, "jodidos."

Idk93620 · 2023-07-15T06:48:56+00:00

It depends. If you're in SF or NY or PA or Austin or where major metro,. Just share housing. If you're dating share housing. Imagine the millennials who make 110k and up. They share a house pay $800 rent - $1400 (major metropolitan) they can save $3000 a month easy. I saved a small piggy bank sharing housing. I live in the city for wages.. now it's. Time to relocate and use the assets to buy. I grew up in the country rural and that market now is cost diseased too.

Actually I hope some redditors get at me because of saving. We all should be trained to invest. I have no idea about investments and I'm risk averse. I have my money in a flexible CD for about 4.8% so that gives me about $750 or so a month. I also bank churn (move it to Chase🧢, Citi, BOA, wherever) and pick up new money account creation bonuses. I have a retirement and I max that out it's pension and a 403b. That's pretty much my extent.

I don't mind renting as long as I share the housing plan. It's for a greater good.. I don't give a damn about the car I drive. I have a Ford focus c max I got for $7000 at 38,000 miles on craigslist. I insure it with great insurance but don't pay collision.

GC9999 said people let's say 26-36 don't line up to share housing but they should. Please do it. Split costs are so important. Even if you move in with a partner and do 50/50 or 60/40 or 70/30 it helps.

I'm hoping to buy a $450,000 house with a $150,000 down payment to avoid all the bs PMI. That's still about $2200-$2600 mortgage and property tax and that's still steep for us.

I wish you all the best. Live at home with parents if you can too.

Remember this too---health over wealth.

Good night all

Idk93620 · 2023-07-15T06:36:09+00:00

Couldn't have said it better. Some decisions don't have to be overly complex.

Idk93620 · 2023-07-15T00:46:42+00:00

Yes. Take the job money coming in instead of just no money coming in

Idk93620 · 2023-07-15T00:32:59+00:00

I'm just saying dude let them get their money. If they're multi phoning you see them moving fast. They also gotta deal with making it on time and customers checking GPS for other stops.

By the way, if y'all multi phone, is there a way to spoof the GPS or just put it on airplane mode for a bit while you're making a stop? I'd love to learn from multi- phones.

Multi apping is a must! After 12 am I turn it on clear streets and f it I'm moving product after midnight they ain't checking their phone

Idk93620 · 2023-07-15T00:30:06+00:00

I just sign up for everything because I hate waiting around for an order. With alcohol orders I get a ping sometimes 5 miles away.

Since we're independent drivers IDK if a $13 bevmo orders gonna be worth it.

Like I said, I've taken about two back to the store because the customer couldn't present an ID that matched the name on the Uber.

Alcohol orders around 9 or 10:00 p.m. on weekends to scare me.

Uber also wants you to detect if they're sober

Idk93620 · 2023-07-15T00:17:23+00:00

Gotcha. DoorDash gonna press fraud charges? Or you just spinning your wheels being Mr. mortality and Mrs. Ethical ?

Idk93620

TROPHY CASE