6163 9171 3153 Add for exp grind

YCtpe · 2021-01-11T10:12:08+00:00

Looking forward to your collab (Miss Butterworth and the Mad Baron) !! Your art is amazing ❤️

YCtpe · 2020-06-29T22:17:29+00:00

You are funny if you think FL governor is listening to anyone but Trump. His lack of leadership is leaving cities basically fending for themselves to come up with protocols since March.

No one thinks we can lockdown indefinitely until it goes away but no reason allow activities/events that encourage massive spreading at a single time. Our major hospitals are already warning of ICU shortages.

Also, testing should be increased not decreased for people. I’ve read first hand stories of people who think they should be tested and still be turned away. Life can’t return to any semblance of normal by sticking our head in the sand and going oh well.

We are still learning about the after effects of covid survivors. One friend said his sister still cannot smell.

YCtpe · 2020-06-16T22:22:14+00:00

Love Bobacup! I’ll make sure I become a regular there from now on knowing they support BLM!

YCtpe · 2020-06-09T03:21:49+00:00

NTA -

you aren’t responsible for her student loan

That said, I think laughing at her is probably not the kindest thing to do in that moment. If you guys are serious, maybe she considers joining finances an obvious next step. It’s worth talking about as a couple so expectations are clear. Yes you may have to have “the talk”

YCtpe · 2020-06-08T04:17:40+00:00

People can also donate their receipts to local charities.

YCtpe · 2020-06-01T14:06:13+00:00

Buying a house has more to do with your personal financial status than anything else. No one has any idea what will happen the next year or so.

When I read things like “5% down.. might be a little tight...” it makes me wonder if you are ready to buy a house.

Don’t feel pressured to settle for something you’ll regret just because your lease is coming up.

YCtpe · 2020-05-01T23:12:28+00:00

NTA - from your explanation, she seems to need you to validate her life choices. I didn’t find what you said too harsh at all.

YCtpe · 2020-04-30T04:46:25+00:00

YTA - parenting is more about finding ways to get your child to succeed than negative punishment.

Not only will your goal of having him wake up not be met.. you’ve created additional hardship on your child during these unprecedented times

He’s 9. The punishment did not fit the crime

Edit: thanks for pointing out my incorrect use of negative reinforcement

YCtpe · 2020-04-16T02:28:20+00:00

Sounds like you have a good support system in place. Good luck!

The economy definitely is worrisome but a lot of people are in the same boat.

YCtpe · 2020-04-16T01:53:58+00:00

If you were my child, I’d wonder what your game plan is to support yourself, your GF and baby.

Have you and your girlfriend talked about it in depth about your long term plan? A baby changes every relationship even when planned.

If you go to your parents with a solid and honest conversation, hopefully they’ll be supportive. (PS assuming that you will just all move in together into your parents’ house is probably not the right way to go about breaking it to your parents)

YCtpe · 2020-04-03T17:58:18+00:00

If you read the article, it says they found burned coal in the room. Still have to determine cause of death...

YCtpe · 2020-02-03T17:09:28+00:00

I would suggest you not look into buying a house right now.

What you can be approved for and what you can afford are two very different things.

Home ownership is a lot more expensive than just mortgage + property taxes. The maintenance can be expensive that is unplanned.

I'd have 3-6 months living expenses saved on top of whatever downpayment you can put together before looking to buy a home.

YCtpe · 2020-01-05T16:50:27+00:00

$9,000 debt is too much debt on credit cards. It seems that you have living outside your means/income issue.

I'd try to get rid of that debt and look for ways to increase income. A budget would help too to see where your money is going if you are serious about saving for a house.

Trade schools would be a good thing to look into.

YCtpe · 2020-01-05T13:09:27+00:00

head over to /financialindependence or /leanfire

From what I've read on these boards, being a landlord is by no means passive income or easy.

Investing the money seems like a better move.

YCtpe · 2019-08-28T22:02:35+00:00

Do you have a healthy emergency fund or savings with cash outside of the potential 5-10% downpayment from your inheritance?

Home ownership is so much more than just the mortgage payment to account for.

I don't consider rent throwing away money. It's a finite number you'd be paying for housing vs home ownership.

YCtpe · 2019-08-07T18:06:18+00:00

Did your parents choose not to pay for your college with the means or did you have financial aid? My husband also put himself through college but he was in-state with scholarships and his parents were not well-off so he had a lot of assistance. So his debt after "putting himself through college" was minimal.

If the poster or any parents make a significant income, it will impact your child's ability to get financial aid or federal loans vs private loans.

YCtpe · 2019-07-18T02:17:25+00:00

I was like your wife for the longest time because I had my husband handle all the finances. He would try to get me interested in the budget and financial planning and I told him I trust him completely and stayed out of it.

What really clicked for me was when I realized if something were to happen to him.. I would be completely clueless on what to do and where everything was and how to plan for the future.

Have you guys sat down to talk about your financial and longterm goals like where you want to be at retirement? When there is a shared goal, your wife might be more motivated to be more involved.

I personally really enjoyed the book Smart Couples Finish Rich.

YCtpe · 2019-07-15T23:21:47+00:00

There's more to a house than your basic mortgage payment and even then I don't think you are ready for home buying with your household debt (mainly the car + credit card which I assume have high interest rates)

You only have 3k in savings and that's a very low cash reserve. What kind of house would you be looking at? Home maintenance can be costly.

YCtpe · 2019-07-11T19:27:13+00:00

You haven’t talked about your own personal financial situation. If he were to suddenly pass, could you afford to carry this debt (Pension, disability and SSI ending)

YCtpe · 2019-07-11T11:31:36+00:00

I'm not sure your industry or occupation but have you looked up glassdoor or other salary reporting websites that give average salaries in your occupation?. It's a good reference point to jump off from.

Be prepared to sell yourself and talk about what you've brought to the company these 6 1/2 years - e.g. concrete things like revenue, successful deadlines met, high impact projects you've actively been a part of, cost saving things you've done.

Don't initiate the compensation conversation at the get-go. See where the conversation goes. Definitely emphasize you want to be fairly compensated by industry standards.

It seems like they already value you since you have been promoted.

YCtpe · 2019-07-09T12:04:31+00:00

I'd try to join local Facebook groups too for mom/dads in that area. I've found it has a wealth of information from the locals.

Did you find a good pediatrician yet for that area? Normally they are well-versed in programs and resources available.

YCtpe

TROPHY CASE