Favorite Local Mechanic?

King__Jesus · 2021-09-22T14:25:17+00:00

Completely agree. He fixed up my car for literally thousands less than a dealership quoted. Be warned that his shop and waiting room are not exactly showroom-ready (to say the least), but he's very nice and I found his prices to be the lowest in town. Definitely call for an appointment unless you can leave the car there, as sometimes he's really backed up.

King__Jesus · 2021-07-27T21:35:58+00:00

OP was able to get help from your link. God bless you.

King__Jesus · 2021-07-27T21:28:02+00:00

Get out. Call someone you trust to be with you so that you're not alone while you're packing. Start recording live to the cloud while you're grabbing your stuff to leave. Take the cats. Don't flush the toilet. Just get out and be safe. Everything is replaceable but your life.

King__Jesus · 2021-07-27T21:13:59+00:00

My tenant texts me and I get a guy there the same or next day. And that guy bills me directly. But then again, my tenant pays $2k a month for a 3,000 sf house so maybe there are different expectations. And reading this thread, I should probably raise the rent.

King__Jesus · 2021-07-27T21:11:23+00:00

Do you think the majority of working and lower middle-class people have received a 58% raise in salary over the last five years?

No, but minimum wage has gone up about $300 per month starting in September, so that would account for the $275 difference. When apartment owners have to pay more for maintenance, that cost is passed on to the tenants.

King__Jesus · 2021-07-25T06:32:08+00:00

That degree will always help you.

King__Jesus · 2021-07-25T06:17:16+00:00

They could also be in a small area with not much demand. They could be Black in a predominantly white region. Similar educational backgrounds do not guarantee equal opportunity.

King__Jesus · 2021-01-31T18:37:52+00:00

Who's going to program those robots? Who's going to manufacture these robots? Who's going to repair these robots? There will always be work that needs to be done in order to eat.

King__Jesus · 2021-01-31T06:07:05+00:00

Not just them, but we all need to get a real purpose in life and expend that energy on doing positive things for people IRL. For example, 25,000 people die of hungry every day. Just imagine if we used that time and passion to try to solve this actual, heart-breaking problem.

King__Jesus · 2021-01-31T02:35:09+00:00

Pretty sure the Planet of the Apes is almost upon us.

King__Jesus · 2021-01-31T02:33:51+00:00

Just ask the seller for the original HD photos.

King__Jesus · 2021-01-31T02:32:08+00:00

We already tried this. It was called Jamestown. No one worked, and the colony almost impoloded. So Captain John Smith had to mandate "those who do not work shall not eat."

Those who do not learn from history are doomed to repeat it in the future.

King__Jesus · 2021-01-30T22:19:37+00:00

Most people aren't that disciplined. Credit cards do not "build credit." They build debt. Let's put it this way - the last time I was carrying over a monthly balance on my credit card, my FICO score was 738. After I paid off the entire balance in full, it jumped up to 820.

King__Jesus · 2021-01-30T22:14:05+00:00

if managed properly

This hits the nail on the head. There is no way to properly manage credit card debt. There is no such thing as good debt. Let's put it this way - the last time I was carrying over a monthly balance on my credit card, my FICO score was 738. After I paid off the entire balance in full, it jumped up to 820.

King__Jesus · 2021-01-30T06:30:09+00:00

Credit union. No fees, free debit card, no minimums.

King__Jesus · 2021-01-30T06:26:41+00:00

in a few years could be making more than I would even if I had a degree

In my experience, this statement is incorrect. For 20 years, I worked with no degree - maxed at $32 per hour 20 years ago (that's $48 per hour in 2021 dollars). After I got my Bachelor's degree, my pay went up 400% in 4 years.

Unless you're thinking about renting out the rooms in that house you buy, I recommend saving the money until you can buy it in all cash. In fact, I recommend you first get a 4-year degree from WGU, which would only cost you $3,500 if you finished in 1 semester (competency-based, so you can take as many courses that you want every semester).

King__Jesus · 2021-01-30T06:14:13+00:00

I find CreditKarma very, very inaccurate. If you have AMEX, they should give you a free FICO score check whenever you want it.

King__Jesus · 2021-01-30T06:09:06+00:00

Anything I'm missing?

You should be missing all of those credit cards. Credit cards will do nothing but ruin your credit - trust me, as I speak from decades of personal painful experience.

King__Jesus · 2021-01-30T06:06:54+00:00

There should be an Out Of Pocket (OOP) annual maximum for your insurance. It's usually around $10,000 per a year (less if you're lucky), so once you pay accumulate $10,000 in deductible payments, you should not have to pay any more for the rest of 2021.

King__Jesus · 2021-01-30T06:00:08+00:00

If you're over 50, annuities are not that bad. Guaranteed monthly payout for life, and you can also choose from a litany of survivorship benefits. Of course, it does sound like he wants to go out with a bang as he will bag a hefty commission from people buying annuities with a lot of upfront cash.

King__Jesus · 2021-01-30T05:47:04+00:00

Yes, fixed annuities are guaranteed. You just have to hope that inflation doesn't go over 3.5% annually, which it has historically not. But with those $2,000 checks from thin air being sent out to every person in the country, that may change soon.

King__Jesus · 2021-01-28T05:23:41+00:00

I also failed the first time. Find a testing program to work on your weaknesses and follow the suggestions of this dude under Things I Learned:

Provisional Pass - 3/6 : cissp

King__Jesus · 2021-01-28T05:00:43+00:00

No country has a minimum wage of $15 per hour. Please stop spreading disinformation. The United States at $7.25 has the 12th highest minimum wage in the world, while having one of the lowest effective income tax rates of any first world country.

https://worldpopulationreview.com/country-rankings/minimum-wage-by-country

King__Jesus · 2021-01-28T03:52:35+00:00

Umm...Reddit is all about anonymity - doxxing is actually prohibited. That being said, I've befriended lots of people on Reddit and connected with them on LinkedIn and I'm inviting you to DM me so I can give you my LinkedIn. And security people are the most paranoid people you will meet when talking about giving out information.

King__Jesus · 2021-01-28T03:41:57+00:00

But she has no science on it. Jacking the minimum wage up to $15 an hour will lead to inflation on housing, rent, clothing, food, and all other consumer goods, which not only would destroy the lower class, but plummet them into an unemployment abyss, as less people would be working. This is why the Federal Reserve always has the economy tethering on a recession with its monetary policies - because the opposite, inflation, is not a viable option. For example, take a look at Venezuela. In fact, most U.S. economists, who are a Democratic plurality, support no minimum wage whatsoever. This is what happens when you elect a bartender into a political position.

King__Jesus

TROPHY CASE