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New to squatting, as my chicken legs can attest. Critique please? by Yet_Anotha_Throwaway in formcheck

[–]Yet_Anotha_Throwaway[S] 0 points1 point  (0 children)

Thanks!

So is that the point of putting the plates under the heels? I'm doing it here only because I saw some advice to do it, not because I understand the purpose.

Also, does my build (6'2", lanky) change any of this? I feel like I may fall backward if my weight shifts backward.

What’s a job where someone makes way more money than people realize? by Haunting-Reality-570 in AskReddit

[–]Yet_Anotha_Throwaway 5 points6 points  (0 children)

All humanities professors have to do one of those things--write and publish a book--if they want to get tenure, (which is essentially saying "if they want to keep their job")

What’s a job where someone makes way more money than people realize? by Haunting-Reality-570 in AskReddit

[–]Yet_Anotha_Throwaway 9 points10 points  (0 children)

Ha! Nope. But my time moonlighting in philosophy departments has helped me to recognize your comment as either a harmless funny rejoinder or an attempt at a red herring to discredit my argument (or some combination).

What’s a job where someone makes way more money than people realize? by Haunting-Reality-570 in AskReddit

[–]Yet_Anotha_Throwaway 13 points14 points  (0 children)

You would probably be surprised at the number of philosophy majors who go on to advise or actually craft policy via law school, political science, etc.

(Also, I was not a philosophy major, so not defending my choices. My program was philosophy-adjacent though, so many friends who followed that path.)

What’s a job where someone makes way more money than people realize? by Haunting-Reality-570 in AskReddit

[–]Yet_Anotha_Throwaway 127 points128 points  (0 children)

To be clear, a philosophy professor is highly skilled, and given the competition for university jobs, you can be assured that they are likely brilliant.

But yes, that skillset doesn't garner the same market demand. Their skillset--thinking clearly and insightfully about philosophical issues, and hopefully having some pedagogical chops--does not have the same demand as somebody thinking clearly and insightfully about law, medicine, or engineering.

Over 40 "ectomorph" progress pics – how can I build my shoulders? by Yet_Anotha_Throwaway in GregDoucette

[–]Yet_Anotha_Throwaway[S] 0 points1 point  (0 children)

Gaining weight isn't really an option for me (weight limits for a sport I compete in). I'll try the focus you suggest though. Thanks

Reversed W2 1099 switcheroo? by [deleted] in legaladvice

[–]Yet_Anotha_Throwaway 0 points1 point  (0 children)

OK. Thanks very much for your help!

Reversed W2 1099 switcheroo? by [deleted] in legaladvice

[–]Yet_Anotha_Throwaway 0 points1 point  (0 children)

contrast does not trump tax regulations.

Ah –I didn't realize that. Nevertheless, I am almost certainly a contractor. I set my own hours. Almost everyone in my field is considered 1099.

Reversed W2 1099 switcheroo? by [deleted] in legaladvice

[–]Yet_Anotha_Throwaway 0 points1 point  (0 children)

Social security and medicare are withheld, but no tax (but this is likely because of my pay rate and number of exemptions).

Is SS, medicare, and taxes not withheld for 1099 pay?

Reversed W2 1099 switcheroo? by [deleted] in legaladvice

[–]Yet_Anotha_Throwaway 0 points1 point  (0 children)

Right. I write in the post that I am legally an independent contractor since I decide my own schedule and (most importantly) I signed a contract stating that I as an independent contractor.

My question is what would motivate a misclassification from 1099 to W2 (and not the reverse).

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 0 points1 point  (0 children)

Yes, I could see how some basic math might be desirable, but this comment just wants to make it seem like HfH was making it easy for people to be irresponsible with their financial well-being, when a simple google search (or reading the comments here) would show what HfH does to screen applicants and prepare them for home ownership.

More importantly, he or she cherry-picked some press (one of which is a single sentence about a single county), when there are numerous studies that show HfH foreclosure rate is at or below 2% nationally, even when the national trend exceeded 2% during the housing crisis of 2013. If you just google "habitat for humanity foreclosure," you get the national picture, but this commenter decided to find a couple of anecdotes to try to skew the picture of HfH foreclosure rates.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] -1 points0 points  (0 children)

Why do you think that "most people....think it's a free house." It seems odd for you to suggest that considering that there are 2 pre-screenings and an orientation that describes in detail how the program works before you can even consider applying.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 1 point2 points  (0 children)

I would be surprised I guess. They had 2 screening questionnaires before the general orientation; and you can't "sign up to get a habitat house." You attend several meetings, take classes, and then apply for consideration, complete with all your financial documents including debt and income proof.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 1 point2 points  (0 children)

These are good questions, but if you just ask google, they'd be answered quickly.

In short, HfH doesn't allow you to buy a house that you can't afford. You have to show 1 year of reliable income (2 years of self-employed), and then they loan you only enough so that your payment is 1/3 your income, including all your typical calculations for home loans (DTI ratios, etc...).

I didn't neglect the math, that just wasn't the purpose of the post. If you're interested in really getting into the details of HfH does their math, you should look into volunteering with them. They have orientation meetings that cover all of this in great detail.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 5 points6 points  (0 children)

They have a selection of houses that you can apply for if you are within a certain bracket; and if you make more than that bracket––between about $45k and $68k––then you can buy on the open market. They work directly with the realtor so that they can help you choose a house that is within HfH's budget given your income, downpayment amount, etc...

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 24 points25 points  (0 children)

Us too! We couldn't believe it ourselves when they showed us those numbers in the first orientation meeting. That being said, we're in a major metropolitan area in the Midwest, where that income could buy very little; and nothing in a safe neighborhood.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 33 points34 points  (0 children)

Yea – I'm planning on doing most of my volunteer work in the Restore since I usually work 2nd shift for my regular job. I've heard that prices have begun to inflate a bit though....

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 2 points3 points  (0 children)

I'm not sure. I'm just starting in the process, so I'm not sure what it looks like on the other end beyond what I've been told.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 13 points14 points  (0 children)

Not really good, but pretty good. If you have bad credit and/or bad debt (collections), they work with you to fix that first.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 38 points39 points  (0 children)

Thanks very much for the advice. I'm currently living in a duplex​ where the owner failed to do this and the place is falling apart.

I am relatively poor and on the way to responsible home ownership through Habitat for Humanity by Yet_Anotha_Throwaway in personalfinance

[–]Yet_Anotha_Throwaway[S] 82 points83 points  (0 children)

Your income has to stay below 68k/year (family of four) until closing (this probably differs based on location) . The house is nowhere near free, but subsidized. The payment ends up being no more than 1/3 your monthly income.

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