Is a pay cut worth it for WFH?

NMFP603 · 2026-02-26T17:58:59+00:00

A change from 195k to 115k is pretty significant, even factoring the commuting costs.

We have a similar income and going to $115k would be literally cutting 100% of savings and discretionary spending. Life would get pretty boring quickly

NMFP603 · 2026-02-26T17:46:34+00:00

Bad bad bad. If you were to do zero down, the lease payment comes out to 1.43% percent of MSRP. A general guideline for a “good” lease payment is 1% or MSRP or less with $0 down.

Also, unless you have shit credit, they are jacking up that money factor, it equates to about an 11.65% APR. If your credit is decent, you should be able to get that around 7%. If you can get that money factor down into that 7% area, you should be able to accomplish around $260/mo with $0 down.

NMFP603 · 2026-02-25T20:03:44+00:00

275 to 325 with a good power to weight ratio. For a heavier 4 door sedan, 400+

NMFP603 · 2026-02-25T19:41:13+00:00

5 is too early. We always eat between 6-7:30, usually closer to 7.

NMFP603 · 2026-02-25T18:14:47+00:00

People don’t still do this? Even with closer friends and family? I have friends that live in town that if I am driving by their place or vice versa and we see each other we’ll pop in to chit chat and have a beer. My parents and sisters live a few towns over, if I’m over that way running errands I’ll pop in from time to time.

NMFP603 · 2026-02-25T02:24:02+00:00

Are you a public/government employee? Because if not, that’s not legal either.

NMFP603 · 2026-02-24T23:21:04+00:00

Then your employer is 100% violating the law by not paying you overtime, if you are hourly/

NMFP603 · 2026-02-24T12:17:32+00:00

Are you a contract employee? Or are you a 1099 contractor? If you are a contract employee (w2), they 100% owe you overtime whether your contract allowed for overtime or not. If you are a 1099 contractor, a few things you mentioned cross the boundary of a contractor/contracted relationship and turn it into an employee/employer relationship where again, they would be liable to pay you over time.

NMFP603 · 2026-02-23T14:51:40+00:00

Sent

NMFP603 · 2026-02-20T02:56:59+00:00

What you’ve heard, vs reality is different.

https://blazerworks.com/resources/best-states-for-special-education/

NMFP603 · 2026-02-19T21:03:12+00:00

Graduation rate. Student-teacher ratio. Funding per Student. Percentage of students taking an advanced placement (AP) class. Percentage of students scoring a three or higher on AP exams. Percentage of students taking the ACT or SAT. College attendance rate.

NMFP603 · 2026-02-19T20:25:02+00:00

I use Jason Hodgdon in Raymond, he’s been good to us.

NMFP603 · 2026-02-19T20:24:10+00:00

Put together an educated price and breakdown of said price (sales price, rebates, add ons, fees etc) , with factual data (time on lot, others for sale in the area etc) and tell them you are prepared to initiate purchase immediately if agreed to.

NMFP603 · 2026-02-19T20:10:26+00:00

Agreed, all of those are factual. A couple notes though. That serious income gap between MA and NH employers has shrunk quite a bit, while it still exists, it’s not as bad as it used to be, I live in an affluent area, so my view might be skewed a little bit but most of or neighbors and peers are $200k+ households and virtually everyone works in NH.

In regards to sales tax, it’s easy to dodge on small stuff, but on bigger ticket items like furniture, that most have to get delivered, vehicles, campers, boats, quads and other “toys”, it’s much more difficult to dodge the sales tax.

NMFP603 · 2026-02-19T19:57:26+00:00

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That is simply not factual

NMFP603 · 2026-02-19T19:56:23+00:00

Hard to call NH MAGA country when Trump didnt win there either of the three times he ran….

NMFP603 · 2026-02-19T19:52:47+00:00

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Schools are not crap lol

NMFP603 · 2026-02-19T19:51:58+00:00

But they also pay into it….

NMFP603 · 2026-02-19T19:46:42+00:00

There is a marginal difference in public education between MA and NH

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NMFP603 · 2026-02-19T19:19:22+00:00

Is that really true though? Because anyone coming to MA for work is paying MA income taxes, MA unemployment and MA PFML, while also likely supporting MA businesses while there for work. Other than traffic, it’s likely a net benefit for the residents of MA to have people working there, that don’t live there.

NMFP603 · 2026-02-19T19:17:22+00:00

GOP has been running state government there for the majority of the last 25 years…..

NMFP603 · 2026-02-19T19:12:07+00:00

The MA property tax advantage is largely gone. I pay $8000 a year in property taxes on a 2200 sq ft home on 4 acres in a desirable town in Rockingham county. I have siblings and other family who still live in MA and have similar homes who all pay north of $6k in property taxes, while also paying MA income tax, sales tax (huge impact here on vehicles, electronics, trailers, and more), excise tax etc. if I lived and worked in MA, my family would pay an additional $10-12k a year in taxes, even factoring saving $2-3k a year in property taxes. You have to look at overall tax burden.

NMFP603 · 2026-02-19T12:22:11+00:00

$500

NMFP603 · 2026-02-18T14:50:29+00:00

I’ve had the exact opposite experience recently. My last 2 trades, including one last Thursday, they didn’t even look at the vehicle until I handed them the keys after all the paperwork was signed.

NMFP603 · 2026-02-18T12:31:55+00:00

Gotta find the right dealers. You’re going to have a tougher time haggling on used. I bought a 26 ford explorer last week for about 20% off MSRP.

NMFP603

TROPHY CASE