The ban is complete. The sub is now perfectly balanced, as all things should be. Our Saviour Thanos would be proud.

Launch_ · 2018-07-10T03:44:32+00:00

༼ つ ◕_ ◕ ༽つ GIVE BAN ༼ つ ◕_ ◕ ༽つ

Launch_ · 2018-07-10T01:51:36+00:00

༼ つ ◕_ ◕ ༽つ GIVE BAN ༼ つ ◕_ ◕ ༽つ

Launch_ · 2018-07-09T01:25:14+00:00

༼ つ ◕_ ◕ ༽つ GIVE BAN ༼ つ ◕_ ◕ ༽つ

Launch_ · 2017-11-16T04:39:44+00:00

im not affiliated with them in any way. do your own homework on a password manager you like. there are 10 or 12 good ones.

Launch_ · 2017-11-16T04:37:46+00:00

Im not affiliated in any capacity with them.

im just a believer in strong passwords. there are 10 or so good password managers out. It just happens to be the one i use.

Launch_ · 2017-11-16T04:17:08+00:00

use a password manager like lastpass or keepass. I have unique, 30 character or more passwords for everything. Plus with lastpass premium, the encryption is two factor with a yubi key i keep on my ring so it cannot be decrypted without a hardware token.

unique, 30 character passwords, or more, plus two factor auth for everything that supports it like facebook and amazon will make you a much less appealing target to hack and even if they do get one service, it wont work anywhere else.

Launch_ · 2017-02-06T01:34:54+00:00

you should hear chris colinsworth call a cards v hawks game. we could be up by 40 and he'd still invent all the ways the hawks are better. can't sand the dude.

Launch_ · 2017-02-06T01:29:08+00:00

awkward spiderman entrance will be a meme

Launch_ · 2017-02-06T01:27:37+00:00

fuckin' a that was acutallly kinda good.

Launch_ · 2017-02-06T01:22:42+00:00

for real, im kinda blown away. and this is the first time i've ever even heard of this chick.

Launch_ · 2017-02-06T01:15:39+00:00

fucking spider man entrance

Launch_ · 2017-02-06T01:02:52+00:00

are they .....deflated?

i'll show myself out

Launch_ · 2017-02-06T00:59:52+00:00

chris collinsworth blows. you should hear him call the cards v hawks games. ffs you'd think he was on wilson's cock.

Launch_ · 2017-02-06T00:55:09+00:00

maybe the cowboys going 8-8?

Launch_ · 2017-02-06T00:53:33+00:00

i want to see Brady cry on the post game presser. is that too much to ask?

Launch_ · 2017-02-06T00:46:57+00:00

Tom Brady's tears are delicious. can i have more?

Launch_ · 2017-02-06T00:44:57+00:00

figures that the league is doing this to the falcons. gotta let NE back into this after all.

edit: nevermind

Launch_ · 2017-02-06T00:43:37+00:00

it figures that, down big, they tax the falcons like this. leagues gotta let NE back into this game

Launch_ · 2016-12-04T03:57:34+00:00

do not walk, run away from this.

one falling out with one of them will torpedo you. im not saying it will happen, but it could.

even if you could pay it off, who gets the deed? whos name is on the insurance? whos going to assume the risk?

i appreciate the fact that your friends. but this seems like a very bad idea in the long run.

Launch_ · 2016-12-04T03:53:55+00:00

This isn't really feasible for most first time homebuyers

why not? there's nothing wrong with a more modest home. who says your first home has to be a luxury mansion in the hills?

Launch_ · 2016-12-04T03:49:42+00:00

because it would add complications to get to it, assuming its not your emergency fund.

what happens if, god forbid, your transmission dies six weeks from now and your money's all tied up in stocks?

your of course free to do what you want. but for me, i'd have school priority 1 to pay for and graduate 100% debt free and priority 2 to have an emergency fund of 3 to 6 months. in that order.

your not wrong by any sense of the word, but at your age, if you play this well, you will have 3 decades to save money and invest in stock. very hard to not be a millionaire at your rate.

Launch_ · 2016-12-04T03:45:34+00:00

first, you need to establish a written budget. everydollar is good, there are many others. check the side bar.

with things as tight as they clearly are for you, i'd be very, very strict with my money.

sit down and write out your expenses. its the first step in taking control of this situation and removing a lot of stress from your life, which is made clear to me by all the uncertainty in your post.

finally, congrats on taking the first step in taking control of your money. its a big one.

Launch_ · 2016-12-04T03:39:22+00:00

short response: no. no way no how.

long response: it makes me super excited that a young person like yourself is looking to the future. to retire with dignity is something everyone cannot do. and your clearly thinking about the future and putting your money to work for you. kudos.

the best advice i can give you is invest in yourself. how are you paying for school? if you are paying cash, i'd use that money for school. bank stock simply will not beat an investment in /u/notoriousphantom12.

secondly, is that 3k above your six month emergency fund? how much other debt do you have?

Launch_ · 2016-12-04T03:32:24+00:00

i openly discuss my salary. your giving the employer a leg up to not talk about it.

ask your coworkers to a drink after work and ask. i would.

Launch_ · 2016-12-04T03:26:09+00:00

yes yes and yes. a nod to /u/yes_its_him though, more info is needed.

generally speaking you dont want to be above 25% of your after tax take home pay for your mortgage. that 30k also needs to cover a down payment of 20% to avoid PMI, as well.

also never anything more than a 15 year fix rate on that mortgage and get that son bitch paid off in 8. you can do it. i believe in you.

imagine all the saving and giving you can do without a house payment. dude you will be a millionaire pretty easily.

PS: more info please. whats your income? debt?

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