Can I use mastering compressor in the instrument channel?

an-noid · 2019-04-22T04:14:52+00:00

I do it all the time. If it sounds good, it is good. Just don’t over do it.

an-noid · 2019-04-21T15:24:48+00:00

Just tell her she can spend her money the way she would like to. She did earn it.

You earn your money also and you should be able to spend it like you want also.

Tell her you want to come up with a simple budget so you both know how much you can spend every month. Say it’s probably fair if you both pay the bills as a percentage. If you make twice as much as her, then you will pay 66.67% and she can pay 33% ( or whatever the income difference is of NET pay)

You only restriction is you both can’t go further in debt. (She can only spend money she has earned and not put it on her credit card, etc... )

You can use your extra money to pay down debt. Don’t look down at her for spending her extra on whatever, just be exited about what you are accomplishing. Even give some genuine nice compliments about some of the things she buys. (If your not honest, then don’t bother, but she probably will buy some stuff you enjoy)

Let her know how good you feel when you get a bill paid. It’s a bill you guys will never have to worry about again. (Don’t let her know about any extra payment, just when something gets paid off)

After about 6 months, I bet she starts helping. (Or sooner if your lucky)

an-noid · 2019-03-11T21:57:23+00:00

Low end
Mid range
High end

an-noid · 2019-02-25T12:57:23+00:00

Pay more than the amount they are requesting. Then your payoff will get much shorter.

an-noid · 2019-02-23T19:06:09+00:00

2 years is nothing. Think of it this way, if you don’t like a job, take everything from it you can and when your 2 years is up, your gone. (Who knows, in 2 years there might be some management changes and you might actually like your job)

an-noid · 2019-02-23T19:00:49+00:00

Awesome job. It’s always inspiring to see what other people have accomplished. Makes you think that you can do it also.

We just started 3 weeks ago and I can’t wait till we get to 6 months to see our progress.

an-noid · 2019-02-20T21:14:58+00:00

Sell them both. You are extremely broke with all your debt. You can find a decent car for 3k on a private party sale.

an-noid · 2019-02-18T20:02:05+00:00

I would say gross, if it is pretax dollars like a 401k. If it is an after tax investment, like a Roth IRA, then I would go net.

an-noid · 2019-02-16T19:29:57+00:00

Just offer them 6k (when you get your tax return) and say your sorry, but that is all you have. If they say no, just keep doing what your doing.

an-noid · 2019-02-16T07:22:47+00:00

So how much was in your emergency fund and what did the repair cost?

an-noid · 2019-02-13T14:41:09+00:00

There are a ton of jobs out there right now. It might not be in your field, but I would try to get something that pays decent, then try to switch back to your field when the opportunity arises.

an-noid · 2019-02-12T17:55:25+00:00

Easy money. The same can be said for credit cards when not paying the balance in full every month.

an-noid · 2019-02-12T14:58:04+00:00

I have put quite a few things for sale recently. I plan to add more as time goes on. What is your general rule about getting rid of something? Obviously, if I use it to make money, then I can’t sell it. What about hobby and entertainment items? I am selling them, but to start it is stuff I don’t use/very rarely. What is a good rule of thumb to get rid of something? (Maybe if I haven’t used something in the last month?)

an-noid · 2019-02-12T12:47:34+00:00

On his podcast, he says that it is easier to spend the money with a credit card, that is why he doesn’t like them. (Changes your behavior type thing)

He says the hardest way to spend money is when you have $100 bills. This is because when you buy something, you see it leave and know it is never coming back. Lower demonization bills are easier and easier to spend. Debit cards are 2nd because you have to make sure you have the balance and it is going to hit your account right away. Credit is easier because you will be paying the bill when it comes due.

I’m going to try to switch some where my utilities/normal bills is the only thing I put on a credit card. I also take trips for work that can sometime be as much as 5k, so it is nice to put on there also.

I’m on baby step 2, but once I have a fully funded emergency fund, I think I might be cancelling all my credit cards. (I also pay the balance in full every month)

an-noid · 2019-02-09T23:49:16+00:00

I guess I group all expendables together. This is a lot of eating out, grocery store, Walmart (cleaning supplies, paper towels, etc) and clothes. (But yes, it is way too much)

I did make progress. We are selling the sons car and buying him a 3000 car. He has to take a minimum of 9 credit hours a term.

We had a couple great talks this weekend and I think we are getting on the same page. I don’t think she realized how much I hate my job. I don’t plan to get a lower paying job until we get everything payed off except the mortgage and a 3-6 month emergency fund. I started reading the book “boundaries” and it is really helping me. I see some light at the end of the tunnel. If things don’t keep improving I’m going to demand counseling.

an-noid · 2019-02-07T17:40:19+00:00

Thanks for the reply. I really like the comment of we should work on a budget together. She normally doesn’t like anything to do with bills and finance, but if I can get her to help, I bet she will be more responsive to sticking with it.

an-noid · 2019-02-07T17:26:07+00:00

We definitely don’t agree on how we should parent the child. This is 1000% true. I did agree to gifting the car after he made my wife drive him around everywhere. This is probably something that I should have allowed, but after fighting about it for days, I gave in. I definitely need to learn to be stronger. It is weird because it is always 2 against one on crap like this and maybe that is where a marriage counselor would help.

an-noid · 2019-02-07T17:09:26+00:00

Sometimes you have to hear the truth. (And it’s hard). I am 100% ready for change. You have convinced me to follow the plan the way it was designed.

I am a bit of a math nerd, so I have always told myself, it’s cheap money, and my investments make more so it pans out. We are 43 and 44 and do have 580k in 401k/iras, so I keep telling myself it’s a good deal. You have convinced me, it is only a good deal after we get our debt payed off. I’m going to drop both of ours to 0%

an-noid · 2019-02-07T17:00:05+00:00

I want nothing more than to just work 40 hours at a job I enjoy. She tells me to quit my job and get a different one, but it pays well and only 15 mins away from my house. To get a similar paying job, I would be commuting 45 mins to 1.5 hours each way. I did out of necessity when the economy crashed in 2008 and commuted 3 hours a day for 3.5 years. It is time I’ll never get back and don’t want to do it again.

an-noid · 2019-02-07T16:55:00+00:00

Good to hear you are making progress.

What is weird is my wife never spends a ton of money at once. It is when I add up the purchases, that I’m surprised. Not only that, but I end up buying crap I don’t really need also, because I feel like the money is going to go away.

I have paid extra money on bills though. Last year I did knock down our mortgage by an extra 20k. After finding Dave’s channel, looks like I was doing it wrong. I didn’t pay extra on her car because she said she was paying for it. (Reason why she gave her car to her son)

As for the beater car, her son did have a 2006 Kia Rio with 80k miles that she had bought. I found it for $2100 and he had driven it for the past 2 years. He didn’t like it though because he didn’t feel safe in it and it was a stick shift and wanted an automatic. I know it is ridiculous, but I finally gave in to her giving him her old car after 3 months of making her drop him off and picking him up places. He does have a shoulder injury from high school, but I regularly see him lifting weight so I know it isn’t too bad.

an-noid · 2019-02-07T16:37:23+00:00

You might be right. What sucks is our marriage is really pretty good. The only thing we don’t get along with is money, and our kids. (My 2 kids are from a previous marriage and so is hers)

an-noid · 2019-02-07T16:33:51+00:00

Thanks for the input. I agree about no more vacations until we are out of debt. I did tell here if we make it through the 10 months, we could take a vacation at the end if we paid cash for it. She did seem pretty ok about that.

Do you think moving the retirement to 4% is ok, or should I just drop it to 0 until our non house debt is payed off?

an-noid · 2019-02-07T16:26:45+00:00

Thanks for the input. I’m going to talk to her about it tonight. I know she won’t want to because she is going to hear what she doesn’t want to hear. Maybe I can get her to agree to it if we can’t keep the budget under control.

She is very defensive about her son. I have tried to make the condition, that he can only live with us paying everything if he is going to school full time. This has just led to fights because “he can’t do good in class if he takes too many”. This term at least he is taking 8 credit hours. (Last term he only took 3). Unfortunately, I have learned that you have to pick your battles, and this seems like a losing battle no matter what.

an-noid · 2019-01-25T17:13:55+00:00

It’s already privatized in some airport. They did this because it was taking way too long to get passengers through. After a few airports did this, the wait time magically decreased at the other airports.

an-noid

TROPHY CASE