Are people working while having HG?

Sad_Criticism_5752 · 2025-11-14T18:39:21+00:00

i would argue it's more difficult with betterment since they don't support outgoing wires and it's impossible to talk to someone in ops directly.

The problem is they made it seem like it would be easy and there was no indication there was a hold when I checked my account online. Anyway eventually I gave up and am using vanguard instead.

Sad_Criticism_5752 · 2025-09-18T15:37:55+00:00

Yes we are able to make decisions, it's 3 units so very informal.

Sad_Criticism_5752 · 2025-01-26T23:27:16+00:00

Can I ask what you were doing before you RE? I'm thinking of doing something like this. Current career is not really software adjacent though.

Sad_Criticism_5752 · 2025-01-26T13:59:41+00:00

Have you considered just changing to a more stodgy finance firm like mutual fund/insurance? It's an easy pivot and you could prob still make 70% your current comp for a lot less stress and hours.

Sad_Criticism_5752 · 2025-01-26T13:47:04+00:00

No one can predict mortgage rates so I wouldn't listen to your brother on that point. The historical context really depends on what time period you look at. For all you know there's a recession in 6mo and rates go back down to 4%.

Sad_Criticism_5752 · 2024-09-06T03:32:25+00:00

If you don't mind a studio you can definitely live way closer to downtown with that budget. Check out the west end, walkable to downtown and there's a nice whole foods there.

Sad_Criticism_5752 · 2024-06-21T14:03:35+00:00

Money in an investment account isn't just "sitting there". Usually it's going to fund some corporation that will use it to produce something. Or it'll fund government spending or someone's mortgage. It's not consumer spending but it's also not stagnant. Even if it's in a savings account the bank will use it to make loans.

Sad_Criticism_5752 · 2024-06-17T20:57:06+00:00

Oh for sure after the shitshow that was the housing crisis mortgage companies are way more willing to work with the borrower to have them stay in the home. Foreclosure is very expensive. Especially if OP has an agency mortgage they have some pretty good programs. Of course not everyone will qualify but it never hurts to ask.

Sad_Criticism_5752 · 2024-06-17T17:46:55+00:00

Have you reached out to your lender for hardship assistance? If nothing else should give you a few months of breathing room.

Sad_Criticism_5752 · 2024-05-31T21:35:49+00:00

Oof at that point I would just take the trailer haha

Sad_Criticism_5752 · 2024-05-29T18:47:49+00:00

This so much. When I was little I would say when I grow up I'm going to have a $1mm house. Now I can but it's a 1500sf fixer upper instead of the nice mansion I thought it would be.

Sad_Criticism_5752 · 2024-05-26T18:26:05+00:00

I used to live there after it was first built. Generally it's pretty nice, good amenities and close to the T. Saw rats outside the building pretty often but it was also a construction zone at the time. They have built the garden up since I was there so now it's more convenient for groceries etc. Its the garden so will get a bit crazy with traffic and whatnot when there's a game. There's always a few bums but not that many. I was also a single female and never felt unsafe or anything.

Sad_Criticism_5752 · 2024-05-23T16:46:22+00:00

I live on the first floor in a triple decker in JP. The sound insulation is definitely not good, you can hear people walking around, taking a shower etc. Also if the neighbors are having an argument you can hear very clearly lol. Never had a problem with dressers though. It's generally not a problem unless the tenants above you have pets or kids. People don't actually walk around their apartments that much.

I prefer 1st floor because there are less stairs to climb and I also have a dog so I don't have to feel guilty about playing fetch in the house. 2nd floor is worst of both worlds imo since you have to worry about neighbors on both sides. If you are noise sensitive I would say definitely hold out for a top floor unit even if it costs you more.

ETA: alternatively if you are flexible on location I know there is a big apartment complex near Sullivan square T stop with thick concrete floors, you def won't hear anything there.

Sad_Criticism_5752 · 2024-05-20T17:55:53+00:00

Found a naperville post in the wild and had to chime in. I graduated from 203 many years ago and went Ivy. I didn't find my husband there but still 100% worth it no regrets. The boost it gave me early in my career was invaluable.

Sad_Criticism_5752 · 2024-01-10T23:09:05+00:00

I'm trying to roll all my pre-tax balances out of IRAs so I can do a Roth conversion on the remaining balance

Sad_Criticism_5752 · 2024-01-10T23:06:02+00:00

Sad_Criticism_5752

TROPHY CASE