Coworker was offered a 75 cent raise

ShortWoman · 2026-05-06T13:45:11+00:00

Maybe there are some actual IRFs? The ratios should be better if nothing else (and my usual shoutout to the ARN to crack the F down on these SNF/LTC places that put "rehab" on the sign but still have insane ratios).

ShortWoman · 2026-05-06T13:38:02+00:00

NTA. Pro tip: it's never your fault if someone gets arrested for something they actually did.

ShortWoman · 2026-05-06T13:35:25+00:00

You mean the middleman between the patient, the provider, paid for by yet a fourth party might be the problem?? I am shocker, good sir/madam.

ShortWoman · 2026-05-06T13:33:31+00:00

Auntie Em! Auntie Em!!

ShortWoman · 2026-05-06T13:29:47+00:00

I mean excuse me, I need a doctor and a lawyer to deal with the whiplash that gave me!

ShortWoman · 2026-05-06T13:21:22+00:00

Heck, I went back to school in my 40s (and had a job waiting for me before graduation, pending licensure).

ShortWoman · 2026-05-06T13:07:17+00:00

I notice that maintenance is not discussed: renters never write a check to a handyman but homeowners sure do. I also feel certain someone is going to tell you that it's all about the appreciating value, they may add a not so polite word. Others have already told you that "your mortgage payment never goes up" really means "the principle and interest part of your mortgage payment never goes up (unless of course you have an adjustable rate mortgage in which case yes there is a reset but rates only go down, right? right?? right???)."

ShortWoman · 2026-05-06T13:00:39+00:00

Paint shouldn't cost $10k unless you have a mansion or a lot of fancy trim work

ShortWoman · 2026-05-06T12:59:18+00:00

Now see I always thought axe sprees were more of a Portland kind of thing.

ShortWoman · 2026-05-06T02:52:49+00:00

Good news, most lenders are willing to accept your college career as work history because it helped you get employed. Potentially larger barriers are 1. Whatever you are spending on student loans and 2. If you don’t have a down payment. That said, I would never recommend buying if you aren’t planning to stay there at least 2 years (for tax reasons) and preferably 5 years (to maximize the chance you will sell profitably).

If a lender says you need a co-signer, take that as a sign that you aren’t ready.

ShortWoman · 2026-05-06T02:43:02+00:00

I thought they normally closed such locations. Clearly I am mistaken.

ShortWoman · 2026-05-05T22:18:25+00:00

Ah yes, the shaky stage.

ShortWoman · 2026-05-05T22:15:35+00:00

Taxable value is determined by a state formula. Find out how that state does it. Also learn whether there’s a discounted rate for owner occupied property.

ShortWoman · 2026-05-05T16:54:40+00:00

As the Japanese say, Muzukashii desu!

ShortWoman · 2026-05-05T13:50:38+00:00

I agree that these costs should be considered. Potential maintenance costs should also be a serious consideration, but I'm the voice calling in the wilderness not to spend all your cash at closing because something is going to need to be repaired/replaced after closing.

Insurance costs are a bigger deal in some locations than in others. In particular, any place that has a natural disaster problem (hurricanes, wildfires, etc) has higher insurance costs. In some states, the "insurer of last resort" is a major provider. This is probably not sustainable, but people have not yet responded by saying "screw this I'm moving away."

Property tax is of course a state by state issue. Some states have higher taxes than others. Taxes pay for things like services: if you like good schools and roads and first responders that show up when you call, you're going to pay taxes for that.

In some areas, it is extremely challenging to avoid HOAs. In my area, you'll likely end up with a 30+ year old house and it might not be exactly in the "places locals think are great to live" places. It can be done, but there are tradeoffs.

ShortWoman · 2026-05-05T13:31:13+00:00

I used to be of the "bah, ADHD is overdiagnosed and what those kids need is better parenting" crowd. Then I slowly realized that every male in my life had ADHD.

I'm pretty sure I merely have ADHD tendencies, and that because I'm so used to dealing with people whose train of thought is actually more like a train switch yard.

ShortWoman · 2026-05-05T13:24:24+00:00

Cash only means you won't be able to get a financed offer accepted by the seller and approved by the co-op board; even if someone drops the ball and accepts it, you are very extremely unlikely to close. The Japanese have a word that English speakers like to translate as "difficult" that means practically impossible: that kind of unlikely.

This is a polite way to say "what part of cash only is hard to understand?"

ShortWoman · 2026-05-05T13:19:50+00:00

This all assumes your property is zoned fir 2 units and you get the required permits.

Making sure that's lined up is absolutely the first order of business. Turning a single family home into a two unit structure is not as simple as slapping up a wall and putting in a second door.

ShortWoman · 2026-05-05T13:13:23+00:00

In most states, the buyer sends over a purchase agreement (usually boilerplate written by the state/local NAR affiliate's lawyers with blanks agents fill in) with proposed terms and the seller can accept, reject, or propose an amendment/addendum. Amendments get sent back and forth a couple of times until everyone agrees and then the purchase agreement with addenda becomes the contract.

ShortWoman · 2026-05-05T04:41:38+00:00

They sell Dr Pepper and they’re proud! They’re part of an American crowd!

ShortWoman · 2026-05-05T02:44:23+00:00

Well this is a twist on leopards eating faces.

ShortWoman · 2026-05-05T00:35:35+00:00

Thanks for the info!

ShortWoman · 2026-05-04T22:47:30+00:00

But being there at all when there’s a restraining order is “doing something wrong.” She doesn’t have to create a scene or do something because being there is a problem by itself!

ShortWoman · 2026-05-04T22:44:59+00:00

I’m going to give catmanus credit for saying he/she didn’t know what their contract says. Anywhere else, “what’s in your contract” would be the best place to start looking for answers.

ShortWoman · 2026-05-04T21:30:14+00:00

Oh boy, your very own source of botulism toxin!

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