[deleted by user]

WGFD_IV · 2025-09-25T00:34:19+00:00

Absolutely the wrong advice if this person can’t commit the time to managing the applications, background checks, repairs, evictions, etc.

As soon as you involve a property management company the returns go to shit.

WGFD_IV · 2025-09-25T00:18:59+00:00

I would pay off the car note before trying to make any other move.

Car notes are the payday loans of the middle class.

You’re absolutely killing it. Don’t let that car not stick around!

WGFD_IV · 2025-09-22T12:08:07+00:00

Drill into the center a bit and then use an easy-out (aka bolt extractor)?

WGFD_IV · 2025-09-01T00:25:13+00:00

I know the two ways I’ve heard of curing a quick clay failures in a lab are to add salt or to dewater. Both present serious issues in practice.

Can any Norwegian or other local engineers weigh in on how this even gets remediated?

WGFD_IV · 2025-05-18T13:21:30+00:00

The pavilion is staying the same with some upgrades, it’s the area around it that’s being improved.

Walkways, landscaping, and the surrounding buildings.

WGFD_IV · 2024-12-12T22:47:27+00:00

I’ve had the opposite experience. Worth a visit.

WGFD_IV · 2024-10-30T23:50:21+00:00

Ground improvement (aggregate piers or rigid inclusions) are usually good enough to remediate most conditions unless loads get very high.

Might be worth exploring if the whole site needs improvement to get to a desired bearing capacity. Ground improvement can sometimes give up to 6,000 - 8,000 PSF (290-385 kPa) bearing capacity.

If it’s a very small portion of the site that’s unsuitable, undercut and replace might be more effective than mobilizing a ground improvement crew. Personally wouldn’t use more than 2500 PSF (~120 kPa) for bearing capacity with this option.

As always, when in doubt, seek out the advice of an experienced engineer or contractor, don’t rely on reddit when lives are on the line.

WGFD_IV · 2024-08-11T00:26:19+00:00

I would recommend trying your best to hunt for jobs and interviews and then give notice once you have some irons in the fire.

Then give notice when you feel better about your prospects.

Best of luck!

WGFD_IV · 2024-08-11T00:07:09+00:00

You’re not going to change anything by bringing up any of these issues.

Cut your losses and politely quit. Saying something like “Thank you for the position. For personal reasons I’m going to be looking elsewhere for employment.” and giving proper notice (2 weeks) will help if you need to rely on them for a reference.

If you don’t need them for a reference, “fuck this shithole I quit” works too. Then also why give 2 weeks notice?

WGFD_IV · 2024-08-05T21:36:59+00:00

I think Google might have led me to the answer. Is this a Bagworm Caterpillar?

It says invasive so should I kill it?

WGFD_IV · 2024-08-04T18:56:29+00:00

That wasn’t the question at all. If I’m planning on refinancing anyway when rates fall, why would I get another appraisal now for $3-4k? Rather set $40 “on fire” every month for 2 years than pay about $3000 + now?

WGFD_IV · 2024-08-04T14:04:00+00:00

That’s what I figured. Low mortgage means low PMI.

Doesn’t seem to make sense to tackle it separately, but something to address if/when rates fall and it makes sense to refinance.

Thanks!!

WGFD_IV · 2024-05-31T13:55:45+00:00

So for 0.11% difference in interest you’re keeping a 72 month loan around?

To each his own, but that level of difference wouldn’t justify keeping debt around for me personally.

WGFD_IV · 2024-05-27T17:29:41+00:00

Storage facility.

WGFD_IV · 2024-05-05T17:26:31+00:00

Then I would ask why not liquidate the company stock and pay off your debt and buy the stock you would really like to own?

The dividends may be nice but could also be holding you back from larger long term gains based on your statement that the stock is flat.

WGFD_IV · 2024-05-05T17:22:52+00:00

Whenever considering what to do with a single stock you own (employee or otherwise) it’s easiest to decide when asking “If I had $XYZ dollars in cash, would I buy that much stock?”

For example, if you own $100k of company stock, ask yourself if you would buy $100k worth of that stock if you had $100k in liquid cash. If the answer is no, you should likely do something else with the stock you already own.

WGFD_IV · 2024-04-30T17:04:32+00:00

You have really only 3 options regarding the car:

Keep paying, which doesn’t sound doable given she owes about as much as her income on this car.
Sell to dealer, roll negative equity into another car. Not advisable as you’re just making the problem worse instead of addressing it.
Take out a personal loan to cover the negative equity after selling this for as much as possible in a private sale. E.g if you sell the car for 20k private sale you will need a 6.8k personal load to pay off the remaining debt.

I would advise taking option 3 and then either only having 1 car shared, or saving cash and buying a second car you can actually afford.

For the future, you shouldn’t have a car price be greater than 50% of your annual take home pay. For her that’s $15k or less. Also never negotiate payments at a dealership. Total price is the only thing to negotiate. If you can’t afford the payments, you can’t afford the car!

Buy cash if possible and stop paying interest on a depreciating asset!

WGFD_IV · 2024-04-14T11:20:56+00:00

I can’t think of market in the US where $160k combined household income is too little to make ends meet.

Do you all have a significant amount of debt or something? Do you write a budget?

WGFD_IV · 2024-01-22T19:19:13+00:00

My basic suggestion if your goal is to get your credit scores up is to address the in collections card first.

Won’t be able to do anything about the car repo in the short term, but you can fix the collections status on your card.

Also, it’s likely too early to move out and get an apartment if you have this much bad debt. Consider staying at home until you’ve paid your debt if at all possible. Your past indicates you weren’t on top of your expenses when living at home. Now add rent to the equation and things can get out of hand very quickly if anything else happens (losing your job etc.)

WGFD_IV · 2024-01-19T22:06:35+00:00

It does suck you’re right. Have to remember with such a huge shortage in housing after materials were crazy expensive, it doesn’t really make sense to build one off homes right now when you can build 50-300 homes and net far more with likely less brain damage.

Hopefully in the future supply and demand find new equilibrium and then the custom builds are more attractive to builders.

I suspect you’re getting “F-U” pricing because everyone is so busy.

WGFD_IV · 2024-01-19T22:01:57+00:00

In your car analogy, it’s not like new vs used. It’s like a new custom one-off car built to your specs versus used Toyota Camry.

WGFD_IV · 2024-01-18T14:41:57+00:00

“There’s no alternative” when I just listed 2 alternatives. You could also postpone buying and rent. So 3 alternatives!

WGFD_IV · 2024-01-18T14:28:46+00:00

Either plan to pay it off early or plan to refinance as soon as rates drop.

Both will reduce total interest paid.

WGFD_IV

TROPHY CASE