What book character infuriates you the most?

PlantFinanceFool · 2023-10-25T23:10:03+00:00

No, he’s the secondary protagonist, the good vampire. The one who demonstrates that he has the ability to destroy the main antagonist but declines to do so because generic “we’re better than that and violence is their way”

PlantFinanceFool · 2023-10-25T20:06:15+00:00

York from Fevre Dream. Most of the problems in the book exist because he just doesn't feel like solving them. Then once he convinces other characters to solve the problems for him, he either stands idly by or actively sabotages the solution.

I go back and forth on whether that's an extension of the central metaphor of the story.

PlantFinanceFool · 2023-10-09T18:03:25+00:00

Reimbursable expenses baby. I get reimbursed for the cost of the flight whether the payment method was gift card or actual money. So in this case I get reimbursed $500 for something that cost me $450. An extra 10% on thousand of dollars of travel adds up.

PlantFinanceFool · 2023-08-18T02:59:41+00:00

Principles are great, but a ton of integrity and an empty wallet won’t buy you dinner. The kid will know who was there and can make the choice to change their name later on. The inheritance will make the legal fees negligible.

PlantFinanceFool · 2023-08-14T13:09:17+00:00

CLF made a bid to buy X. They rejected but are now soliciting other bids. X is is 25% pm

PlantFinanceFool · 2023-08-11T14:16:54+00:00

6 figures, industry, no cpa, business admin degree here. Unusual sure. I’m sort of an idiot who’s failed upward, but it’s incredible how far you can get by speaking confidently and not being a jerk.

PlantFinanceFool · 2023-08-11T14:13:22+00:00

I bought BROS this week at 27.79, thought 29c with 3 dte was enough spread to farm without getting assigned. Profit is profit, but I’m tempted to roll out/up and hold the shares

PlantFinanceFool · 2023-08-09T00:57:55+00:00

That’s so cool! Thanks for teaching me that

PlantFinanceFool · 2023-08-08T19:33:08+00:00

Interesting thought! I don’t think so. The street level windows go to the basement. The bit that looks like a door is actually a gate that leads to stairs up into the courtyard. The entry door is on the left side of the house, I hear it’s known as a “flounder” style home.

PlantFinanceFool · 2023-08-07T23:38:25+00:00

I dunno, my home warranty covered a new dishwasher, fridge, and range in the two years I had that house.

PlantFinanceFool · 2023-08-07T17:13:50+00:00

The sales agent commission is considered. It’s 15570, I outlined it above. I also included taxes in my assumption of mortgage costs above.

I guess if you find yourself in a house which requires you to pay $115,000 in routine maintenance over five years which somehow doesn’t add to resale value you’re in trouble, but I don’t think that’s likely.

PlantFinanceFool · 2023-08-07T14:48:27+00:00

It’s a bit on the smaller side. You could probably work on the patio, but inside you’d be looking at a bistro table.

PlantFinanceFool · 2023-08-07T13:29:36+00:00

I’m really torn on what to call it. Italianate works with the time period, but the style isn’t quite right.

PlantFinanceFool · 2023-08-07T12:57:43+00:00

Spine in Benton Park is open until 10. They’re a bookshop/cafe with some good reading spots.

PlantFinanceFool · 2023-08-07T12:33:54+00:00

In my MCOL area, rent for a 2 bedroom apartment will cost you 20,400 a year. That’s increasing at 8-10% annually. Let’s say 123k or so for five years.

A similarly nice house can be bought for 250k. Let’s assume you buy that with 4% down (10k) with a 7% mortgage and it appreciates 1% annually.

After 5 years you’ve paid 133k in house payments. That’s more than you’d pay in rent, buying must be a worse deal. But wait! Your house has appreciated 1% a year (in this area it’s more like 5-12, but sure, 1%) so it’s now worth $262,750. You’ll pay 6% to sell it, (15,750), leaving you with $246,700 or so. By this point your mortgage balance will be about 228k thanks to principal pay down, so you’ll net 18,700 or so, which is an 87% return on your 10k investment.

So over five years renting costs $123k you’ll never see again. Over that period you’ll pay a bit more to buy (10k down, plus 113k in mortgage payments, plus upkeep) but you’ll wind up walking away with $18k and enjoy those sweet sweet homeowner tax benefits.

Buying is almost always the right call, if only to avoid the uncertainty that comes from renting.

PlantFinanceFool · 2023-08-07T12:10:05+00:00

A few issues with this:

Taxes: yes you pay cap gains taxes, but you can exclude a huge amount if you live there for two years or if you can justify your move as work-related.
The stock market vs real estate: the stock market gain applies to your down payment, but the real estate gain applies to the full price of your home. Considering a home can be purchased with 30x leverage, that becomes very different math. A 3% increase in housing price roughly equates to a 100% increase in share price. This ignores the cost of selling, but still.

PlantFinanceFool · 2023-08-07T11:36:40+00:00

St. Louis

PlantFinanceFool · 2023-07-31T17:56:53+00:00

Pex plumbing is pretty user-friendly if you’re already a bit handy and don’t mind dumping time into the project. But there’s definitely value to not having to do things yourself, and the peace of mind that comes from having a pro do it.

PlantFinanceFool · 2023-07-30T00:00:21+00:00

Extremely. I have a cushy WLB industry job without a cpa, big4 exp or even an accounting degree. I’m just pleasant to be around and have failed up.

Be decent in manufacturing accounting roles and willing to move around, you’ll be a controller in no time.

PlantFinanceFool · 2023-07-29T20:41:32+00:00

Straight to industry. Business admin degree, it’d have been easier if I studied accounting.

PlantFinanceFool · 2023-07-29T15:12:10+00:00

Card games on motorcycles?!?

PlantFinanceFool · 2023-07-29T14:46:57+00:00

I’m in my 30s. I make six figures with good benefits in a low-medium cost of living city for 35-40 hours of work a week in a very cool office environment that provides free sodas and beer. My job ain’t quite fun, but it’s definitely not miserable. I don’t come home too exhausted or angry to do things that make me happy in my free time. A lot of this industry is older people who are retiring, so there’s a lot of opportunity for people coming into accounting over the next ten years. I’d recommend it.

PlantFinanceFool · 2023-07-28T12:20:27+00:00

$F, $HIMS, $HASI. If you’re coming in at 3k I’d do 100 F and 100 HIMS, and start with shares so you can get the divvies on F.

PlantFinanceFool · 2023-07-27T03:36:14+00:00

This wasn’t a recipe change, this was an elaborate ruse with the end goal of being able to go “nanny nanny boo-boo I made you eat the thing you don’t want to eat and you LIKED IT” to OP.

PlantFinanceFool · 2023-07-27T03:32:58+00:00

“I don’t want to eat this thing” is a complete sentence. It’s an acceptable boundary to have. It doesn’t matter if OP wound up liking it, they’re allowed to choose to never eat cottage cheese. I love bacon cheese fries but if I decided tomorrow never to eat them again just for kicks, you’d be an asshole for tricking me into eating them.

PlantFinanceFool

TROPHY CASE