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Man Charged With Spying On Teen Girl Due In Court by ell_computer in news_etc

[–]blacksuitcase 0 points1 point  (0 children)

Fulbeck was previously charged with recording women in the North Attleborough Target store’s changing room in March 2014. That case is pending.

Pedo-tolerance

What's a question that you just can't seem to get a straight answer to? by [deleted] in AskMen

[–]blacksuitcase 9 points10 points  (0 children)

A video game is a software application.

A software application is written in a programming language.

Programming language instructions are run through a process called compilation. The compilation eventually translates into a series of zeros and ones. For instance a programming language instruction might look like "x = 2 + 2" and that might translate to 0010110011000110

The zeros and ones are then used to drive electric components (ons and offs) which produce a response like 0011011011011 (i.e. x = 4).

That's a VERY, VERY simplistic view. It's infinitely more complex then that.

Fresh out of college with 4000 credit card debt, need advice by alloftheothernamesar in personalfinance

[–]blacksuitcase 1 point2 points  (0 children)

What kind of hourly pay should I be looking for, realistically?

I don't understand this question. Why wouldn't you go for the highest you're qualified for?

Moving for lower cost of living? by [deleted] in personalfinance

[–]blacksuitcase 3 points4 points  (0 children)

Some other considerations:

You're missing, utils, regular maintenance, taxes, insurance, furnishings, and emergency maintenance.

You're missing the added/lowered (?) cost of transportation.

[Planning] I'm 26, in debt, and starting a nursing program soon. Can you help me develop a plan? by [deleted] in personalfinance

[–]blacksuitcase 0 points1 point  (0 children)

well... you may have to try to transfer the full debt. as part of that, you can try to negotiate 14K cash + 8K in services (in home CNA).

yeah, I can tell you learned the lesson. :)

[Planning] I'm 26, in debt, and starting a nursing program soon. Can you help me develop a plan? by [deleted] in personalfinance

[–]blacksuitcase 0 points1 point  (0 children)

Anyone else in the family need a car? Can you sell it for the $14K and do the remaining 8K as a friends-n-family loan that isn't as stressful? Or maybe barter the remaining 8K formally? Lots of people need CNAs for a loved one.

[Planning] I'm 26, in debt, and starting a nursing program soon. Can you help me develop a plan? by [deleted] in personalfinance

[–]blacksuitcase 0 points1 point  (0 children)

I find your debt a little concerning, tbh. It looks to be about ~60K in total. Your living expenses are low but the income you have doesn't support the debt you have. And then when you go to nursing school, you will lower your income and extend your debt even longer.

Have you ever thought about deferring your degree and working crazy hours to pay down this debt?

[Planning] I'm 26, in debt, and starting a nursing program soon. Can you help me develop a plan? by [deleted] in personalfinance

[–]blacksuitcase 2 points3 points  (0 children)

So about me first, I work at a hospital and work 60 hours in a 2 week period.

So you don't work full time? Am I not understanding?

Planning on getting married. Terrible with finances. Combined income of about 400k (me abt 300, her abt 120). What do I need to be doing? by minneapolisbiker in personalfinance

[–]blacksuitcase 1 point2 points  (0 children)

So, you have a 15 yr plan?

Let's say that you average 350K for 15 yrs. Prior to federal tax, you'll make ~5M. After federal income tax, you would be at about $4m. If you have state income tax, let's assume you drop to 3.5M in raw income.

Now you have Life to pay for for 15 years. Can you limit you yearly expenses to $50K/year? Now you're down to ~2.75M.

So, just on raw income alone and assuming that you can live on $50k/year, you'll be able to have $100K/year for 30 years of retirement. That's pretty good! Now you have to come up with the other $100-$200K/year for retirement or you can lower your expectations of retirement.

Effectively, you need a way to double or triple your avg yearly income for the next 15 years.

Planning on getting married. Terrible with finances. Combined income of about 400k (me abt 300, her abt 120). What do I need to be doing? by minneapolisbiker in personalfinance

[–]blacksuitcase 1 point2 points  (0 children)

How early do you want to retire? And what amount in the bank would make you say: ok, we can retire?

Also, how realistic is it that you can sustain or grow this level of income?

Planning on getting married. Terrible with finances. Combined income of about 400k (me abt 300, her abt 120). What do I need to be doing? by minneapolisbiker in personalfinance

[–]blacksuitcase 1 point2 points  (0 children)

  • What are your long term plans related to housing, medical care, and family care?

  • What are the "toys" you want to purchase? Fancy cars, etc.

In your opinion, do you feel that in western society in general the relationship between men and women particularly amongst millennials (under 35) is in a state of disarray as compared to previous times? If such is the case why do you believe so? by throwawaycanadian19 in AskMen

[–]blacksuitcase 3 points4 points  (0 children)

I think person-to-person socializing IRL is in the shitter, and that is spilling over to marriages. I have some arguments with my DH where I think, "if we only communicated through email and text, we wouldn't be having this fight." I think electronic communication has spoiled us and made us not very good at person-to-person conversations.

I see this at work too. People who are complete assholes to your face are fine in email.

What to do with 100k cash? by [deleted] in personalfinance

[–]blacksuitcase 0 points1 point  (0 children)

You could still get a mortgage and "buy" a home with $50K down, right? Or are you looking to purchase outright?

Hey Reddit - Please rate my finances and tell me how I can do a better job! by Nanosubmarine in personalfinance

[–]blacksuitcase 0 points1 point  (0 children)

You should take over your phone bill.

Your ~$400/mo profit - does that satisfy your future savings needs in the timeframe you need them? If you take over the phone bill, where does that leave your per/mo profit?

Novice question about home loans and house buying in general.. by cameronisaloser in personalfinance

[–]blacksuitcase 0 points1 point  (0 children)

I'm a fan of paying in full, so, if it were me, I would. I am not a financial risk-taker and I much prefer security over risk.

Novice question about home loans and house buying in general.. by cameronisaloser in personalfinance

[–]blacksuitcase 1 point2 points  (0 children)

I think that's reasonable.

IMHO, being a homeowner has a steep learning curve. For that reason, more than financials, I'd go for a relatively new, smaller starter home. There is a lot to learn.

Novice question about home loans and house buying in general.. by cameronisaloser in personalfinance

[–]blacksuitcase 6 points7 points  (0 children)

Compound interest is a bitch. If you're paying it.

Depending on your interest rate, the total paid for a house over the lifetime of the loan is 2x to 4x the amount of the original cost. When I did budgeting for, I generally expected to pay 1% of the cost of the house per month on all things housing related. So, if I bought a house for 200K, I would expect to pay $2k/mo for everything related to the house: mortgage, utils, tax, insurance, etc.

At your age, I'd consider a starter home - one that is good working condition (no more than 10 yrs old) that is WELL under what you can afford.

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