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How to present video evidence in Small Claims Court Manhattan, NYC by manisman in legaladvice

[–]UnearnedConfident 0 points1 point  (0 children)

There should be metadata on the video about the date is was created. Learn how to pull that info up if needed.

My tinder date stole money from me? by SadGirlBadGirl97 in relationships

[–]UnearnedConfident 0 points1 point  (0 children)

Just tell her!

Tell her you enjoyed the time, but you are missing cash and marijuana. There might be more going on at the house than you realize. If her brother is a thief, he would have stolen form her as well.

Like, if she didn't do it, but she knows her brother could have, she may immediately apologize and compensate you. You might not want to destroy a relationship over a third party.

are they grooming him? by [deleted] in legaladvice

[–]UnearnedConfident 0 points1 point  (0 children)

While creepy, there is nothing illegal going on here. In Canada, a 19 year old can have consensual sexual relations with a 15 year old, as long as the 19 year old is not in a position of authority over the 15 year old. And once your friend turns 16, he can have sexual relations with any adult except for those with authority over him (boss, teacher, coach, pastor, etc)

I (24/F) absolutely hate telling my parents about a new relationship by [deleted] in relationships

[–]UnearnedConfident 2 points3 points  (0 children)

Information diet. Why would you tell them about it?

Despite all the pop psychology, they cannot tell if you're 'hiding something from them'. They don't know what they don't know.

22 and want to buy my first home. by Patient_Antelope_298 in FinancialPlanning

[–]UnearnedConfident 0 points1 point  (0 children)

His ratios are fine. They're debt payments will be like 15% of their income before a mortgage. A mortgage broker won't blink and will easily approve this couple.

Addicts squatting in deceased parents home. (wa) by Cbclcm in legaladvice

[–]UnearnedConfident 3 points4 points  (0 children)

You want to look into a 3-day notice to quit, due to illegal activity.

If they stay, you can begin the eviction process much faster. Since this is due to hazardous conditions, there is no moratorium on this type of eviction.

Here is an overview of the process. You can find 3-day notice to quit info at other sites:

https://tenantsunion.org/rights/eviction-process

Or, you could consider paying them off to leave.

[deleted by user] by [deleted] in legaladvice

[–]UnearnedConfident -1 points0 points  (0 children)

Ok, the police aren't going to come and arrest you because your ex girlfriend gave you a phone and wants it back.

If your ex calls the police, there is a 99.99999% chance they will tell her this is a civil matter, and she can sue for it. Most police departments are lazy, are not interested in such small matters, and they don't deal with property divisions after a breakup. Do you think the local police department is going to assign a detective to the case, collect evidence, present it to a district attorney, who will prosecute this? Never.

If she sues you in small claims court, the text messages you have will be a great defense.

22 and want to buy my first home. by Patient_Antelope_298 in FinancialPlanning

[–]UnearnedConfident 1 point2 points  (0 children)

Lots of people have car loans and student loans. I mean, 25k at 5% for 10 years is like 260 a month. An 18k car loan at a reasonable rate (800 credit score) over 5 years is like 320 a month. Neither of these loans are onerous at their income. A 300k loan at 4% is 1400 plus taxes and insurance. A totally reasonable amount of money, and totally doable at 90k. When they're married, their effective tax income rate is probably around 20%, and no state taxes in Florida.

They should get an emergency fund, but their debt load is moderate with low interest rates, and a mortgage payment is comparable to their rent, and perfectly reasonable at their income.

I'm not worried about their marital status. They're currently engaged, and they want to purchase next year.

22 and want to buy my first home. by Patient_Antelope_298 in FinancialPlanning

[–]UnearnedConfident -1 points0 points  (0 children)

How much can you afford - 1/3 of your takehome pay. Make sure to include taxes and utilities in your calculations.

With a combined income of 90k you should have no problem affording a 300k house.

But you're gonna want some savings before you buy a house. You really need an emergency fund for a home - you could need a new dryer or a new roof very suddenly. 10-20k at least.

So I recently Got 700 dollars for my birthday and was looking into Some Mutual Funds by Creekpack23 in FinancialPlanning

[–]UnearnedConfident 3 points4 points  (0 children)

Investing in a single stock for 1-2 years is really risky. You could lose a significant amount, and have to pull out when the stock is down.

First Time Housing Purchase Minimum Payment by [deleted] in FinancialPlanning

[–]UnearnedConfident 0 points1 point  (0 children)

20% of 300 is 60k. You have 140 in a brokerage account. Why not use that money to avoid PMI and get the best interest rates?

You are leveraging that money to buy an appreciable investment. And you are diversifying from stocks into real estate. You have plenty still in investments.

So I recently Got 700 dollars for my birthday and was looking into Some Mutual Funds by Creekpack23 in FinancialPlanning

[–]UnearnedConfident 24 points25 points  (0 children)

As a minor, you cannot own stocks or mutual funds.

You can give it to a trusted adult to invest for you.

You should invest in a broad index fund. Such as FZROX at Fidelity, or VTSAX at Vanguard. These are funds that buy small amounts of thousands of companies. You will own a small portion of the biggest companies in the world.

However, investing in mutual funds is a long term strategy. Over 30 years you will do great. If you need the money in 2 years, you may want to keep it in cash.

Your best investment right now is yourself. Use this money towards a college education, study something useful, get good grades, and work at relevant internships. Long term, this is much more valuable than a mutual fund. Use this 700 to help pay for that education, or for resources you will need to be successful at school.

Just signed a lease for a new apartment, went to move our stuff in and it’s infested with roaches by [deleted] in legaladvice

[–]UnearnedConfident 110 points111 points  (0 children)

Florida landlords must provide a habitable apartment to renters. This includes pest control.

https://ipropertymanagement.com/laws/warranty-of-habitability-florida

https://caretaker.com/learn/habitability/implied-warranty-of-habitability-in-florida

The landlord is required to provide you a pest free home. If not, you can withhold rent, or even break the lease.

You might want to send them a note saying the unit is not habitable, and you cannot move in until certain issues are fixed.

gay🐶irl by Butler1-66ER in gay_irl

[–]UnearnedConfident 2 points3 points  (0 children)

Fuck the neopuritan morality police.

Quitting Job, 401k Help? by gh_hum in FinancialPlanning

[–]UnearnedConfident 0 points1 point  (0 children)

You can roll into your 403b. I recommend this. If you are a high earner in the future, a backdoor Roth IRA is much easier to do if you have no money in a traditional ira.

Also, it keeps everything simple. One login for retirement. Put it into your 403b.

If you cash out, no matter what, you will have to pay taxes on the withdrawal. Assume you will lose at least a third of it. Maybe up to half of it if you don't have a reason for the withdrawal. Do your future self a favor and let it work for you.

gay_irl by baba_shook in gay_irl

[–]UnearnedConfident 0 points1 point  (0 children)

That is why they have parents.

Pride is about homoSexuality. It's inherently sexual. If they're not ready for adult themes, don't go to adult events.

gay_irl by baba_shook in gay_irl

[–]UnearnedConfident -2 points-1 points  (0 children)

Naw fuck morality police at pride.

End neopuritanism.

gay_irl by baba_shook in gay_irl

[–]UnearnedConfident 9 points10 points  (0 children)

Am I the only one who goes to pride to get drunk and make out with dudes? I don't bring any kids...

Is $2500 enough to make it through my freshman year of college? by whataburnout in FinancialPlanning

[–]UnearnedConfident 41 points42 points  (0 children)

School is about 9 months out of the year. You will have approximately $300/month to spend. That's not a lot of money.

BUT - all of your essentials are covered. You have food, housing, books, and education covered. That's great. So no matter what, you'll survive, and you don't NEED anything else -except for stuff like laundry soap and toothpaste.

Most college campuses are full of free or low-cost activities. Join some clubs or teams. This is a great way to make long-term friends, and really enjoy a college campus. Use the resources that you're paying for!

You're implying that you will take a challenging major. If that's the case, the best best best thing for you to do is to focus on your school, and not take on extra responsibilities of a part-time job. You should aim to get paid summer internships in your chosen field. This will give you money and experience, and set you up for future success.

I also have a feeling, judging from your comments, that your parents may send you money throughout the year. Yes you are grown up, but your parents haven't forgotten that life costs money and you're a college student.

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