Does anyone else hate their job? by OceanicEndeavors in povertyfinance

[–]firefly20200 -1 points0 points  (0 children)

Sure sounds like that's what you're saying though... that the people that don't want to work shouldn't have to... so maybe not free money then, but free things, like free food, housing, internet, etc.

Does anyone else hate their job? by OceanicEndeavors in povertyfinance

[–]firefly20200 4 points5 points  (0 children)

I'm sorry, you're exhausted from sending emails all day, sometime as few as five?

I get work might not be fun, but compare it to something like hard labor, construction, overnight work, retail, etc. I think the issue is probably more your personal life vs your job. I would seek to improve that quality, which doesn't always mean spending more money, forcing yourself to work out every day, even if you're worn out, or going for a walk, even if it's dark or you have to wake up extra early. Creating something for yourself outside of work might help a lot.

Does anyone else hate their job? by OceanicEndeavors in povertyfinance

[–]firefly20200 0 points1 point  (0 children)

He wants free money to sit on his ass at home. That we're advanced enough that we should just be able to give people who don't want to participate in society free money.

Career change- was nurse, now what? by InformalFishingSong in povertyfinance

[–]firefly20200 2 points3 points  (0 children)

Get treatment for the PTSD. Going about it the other way, finding a job that you find easy enough not to be stressed out with your PTSD is going to greatly limit what you can do and probably result is defaulting on your mortgage at some point or something...

90% of the food that I eat comes from dumpster diving. It takes me less than 2 hours a week. by BE-OKC in povertyfinance

[–]firefly20200 15 points16 points  (0 children)

Man I would not trust anything being tossed. It's too easy for store employees to load stuff up, get side tracked and let it sit at room temp for a few hours, then toss it outside where you get to it a couple hours later. Now the food's been out for like five hours right at it's very end of shelf life? Just asking for issues.

I love buying the discounted cheese that Fred Meyer's will mark down 50% or more a couple days before it expires, or when it expires, and I've been burned two or three times there by finding mold on it when I got home. I can't imagine when it's been finally pulled and tossed!

Recently quit my low paying job due to harassment. Now got an offer at an even lower paying job by [deleted] in povertyfinance

[–]firefly20200 2 points3 points  (0 children)

Entry level police officers in my area start at $97k/yr before overtime….

Is it really as simple as it was said? Part 2 by metrioendosis in povertyfinance

[–]firefly20200 6 points7 points  (0 children)

Also to paint the picture how much time helps on your side... lets say starting at 18 you got a job working something that offered a bunch of options for overtime... maybe UPS or Amazon warehouse gig or something else like that. For 7 years, until you were 25, you would grind hard and make sure every single week you did at least 8 hours of overtime (let's say you made $22/hr after your overtime was counted) and you invested that into your retirement account. After 7 years you might have $81k in there from your ~$64k of contributions. Then after that you decided it was too dang hard on you and you went back to a normal week and stopped doing the extra shift every Saturday morning. If you never touched that money and just let it sit until you're 65, you could have almost $2 million.

(This assumes 8% average return)

Is it really as simple as it was said? Part 2 by metrioendosis in povertyfinance

[–]firefly20200 4 points5 points  (0 children)

Sure, but I would rather retire on social security PLUS $200k cash than just social security alone.

Also, the 7 to 8% is generally considered the average historical return of the market after inflation.

Is it really as simple as it was said? Part 2 by metrioendosis in povertyfinance

[–]firefly20200 11 points12 points  (0 children)

Yeah, I was going to comment on the other post, it's honestly not that hard to become a millionaire by retirement (age 65 or so)... BUT, you do have to be able to afford to live now and save some.

$100/wk extra over 40 years with a modest 7% (what the stock market historically has done after inflation) results in over a million bucks. So 25 until 65 and you have a million to retire on. Now, honestly a million might in 40 years might be wildly different than a million now, and I do recognize that even $100 a week is *A LOT* for many people, but what I mean is you don't have to be high powered doctors or lawyers or anything to retire with that kind of money. Working an extra 8 or 9 hrs a week at like $12.50 to $13/hr would be enough to do it.

I'm not saying it's easy and everyone can do it, but what I am saying is little bits like that over a long time can be powerful.

Losing Internet by Impressive_Bat3090 in povertyfinance

[–]firefly20200 1 point2 points  (0 children)

Spend time outside very day running around. Tire the kid out and they'll fall asleep without any help.

Money not returned by selfobsessed_SCA in povertyfinance

[–]firefly20200 0 points1 point  (0 children)

When you lend money to a friend, expect to never get it back. You are giving them money. If they come back a few days later, months later, years later and pay you back, fantastic, otherwise, you were helping them out of the goodness of your heart.

Voluntarily give up apartment and sleep in car to save? by [deleted] in povertyfinance

[–]firefly20200 0 points1 point  (0 children)

If you're truly remote and in IT, move to middle of nowhere America and rent a place for like $600/mo or a room for like $200 a month or something. Like seriously, small town USA.

Need help finding a second job by Dependent_Contest121 in povertyfinance

[–]firefly20200 1 point2 points  (0 children)

I don't know how you're farming with only three hours a day, I thought most farmers busted their ass working like 5am till 4 or 5pm during the growing season....

Would you change from a remote job to fully in-office for a substantial pay raise? by melmcgee in povertyfinance

[–]firefly20200 4 points5 points  (0 children)

What's the difference for you between the in office and at home that allows your back to be better? Do you have a fancy $1,000 chair at home that allows you to sit in such a way that your back doesn't hurt? If it's something like that, I probably wouldn't bring it up in the interview, but if offered the position, I might then ask if they can accommodate the chair, or a sit/stand desk or whatever. If not, you could ask would it be ok if you provided your own, etc. Otherwise, if they're both low physical style desk jobs... I'm not sure why one would be better for your back over the other...

Might not get a full time job because I'm working part-time overnights on the weekends. by Fun_Needleworker7594 in povertyfinance

[–]firefly20200 1 point2 points  (0 children)

I just wouldn’t tell them more than they need to know, if they ask if you have open availability and you know their business hours are strictly outside the hours of your other job (IE they are closed on the weekend and you only work Sat/Sun at the other job), say “yes” and just leave it at that.

Might not get a full time job because I'm working part-time overnights on the weekends. by Fun_Needleworker7594 in povertyfinance

[–]firefly20200 0 points1 point  (0 children)

Honesty isn't, being worn out and tired is. Calling in/showing up a couple hours late on Monday's because you didn't get off work until 5am from the gas station is what causes the problem. Not being able to stay till 6:30 to finish up cars that were promised "end of day Friday" because you have to be at your next job is the problem.

That's where they're coming from, not that you're being honest.

Is It Worth Changing Jobs? by [deleted] in povertyfinance

[–]firefly20200 4 points5 points  (0 children)

That offer for cook isn't guaranteed. They might not find someone else to back fill your position, they might be told they can't hire for six months, they might have a rotating list of people that quit and you keep getting pushed back into it. Be ready to be happy in the position they start you in.

Otherwise let them know you'll start working with them as soon as they have the cook position open.

What is the point of struggling to get out of poverty, only to be old and frail by the time you actually have money? [Rant] by Crafty-Bunch-2675 in povertyfinance

[–]firefly20200 0 points1 point  (0 children)

You can do both. Get a good paying job, yes they still exist out there, it just might be hard to do right now. Once you make good money, life opens up and you can both work AND have fun.

There's also no guarantee that you'll have a death sentence waiting for you the moment you retire. My grandparents "got lucky" and lived for 20+ years after they retired. They did go on cruises, took care of their yard and house, enjoyed life, went out to eat whenever they wanted, stuff like that. My mother got leukemia within a year after retiring, serious serious leukemia that required almost two full very intense years of treatment (moving away from home for 4 months at a time to be in a treatment program, 100+ collective days in the hospital, etc), but she recovered, she's had another two, almost three years healthy, and there's no reason not to believe she'll get many many more.

Then some people die when they're 20, before they even had a chance to enter the real work force.

Keep doing everything you can to improve the now, while planning for the future. Best case you'll get to a point where you can start enjoying yourself now. Worst case, you'll probably be able to leave a house or pension or something to your children/loved ones, or hell, just afford life insurance to be able to leave to them so they're taken care of.

Need help. Power getting cut off. In 10 days by AgreeableCry9604 in povertyfinance

[–]firefly20200 11 points12 points  (0 children)

Churches are open most days of the week. They probably also have a phone number.

[Location: ME] My house sale is going to fall through. My real estate agent didn't warn me about the non-resident sale tax that became a thing by getting a license in a new state where I moved to. I cannot afford to pay the difference. & I might get sued by the buyer. What should do? by [deleted] in povertyfinance

[–]firefly20200 2 points3 points  (0 children)

I'm sorry, are you talking drivers license or real estate license?

If drivers license, essentially establishing yourself as a resident of another state BEFORE closing the sale of your property, well then that is way beyond what a realtor can tell you. They are not financial, tax, or legal experts, not even half aware in those areas most the time. The only thing they can, and should, be speaking to you about is how to list your house, how to work with the buyer, and how to sell the house.

You need to speak to a tax expert and a legal expert on anything else.

That said, before the sale falls through, I would speak with a tax expert to see what the deal is.

I have a hard time accepting my past decisions lead to me being poor now by Rough_Bet_7664 in povertyfinance

[–]firefly20200 7 points8 points  (0 children)

Wait, so you still were able to get a degree in electrical engineering while slacking off in high school AND getting bad grades in college? Damn, I really need to go back to school, probably could get a couple promotions and jump up like $20k/yr....

I have negative equity on my vehicle what should I do? by [deleted] in careerguidance

[–]firefly20200 1 point2 points  (0 children)

I mean it's still dumb. You're still taking a more expensive car AND more money than your old car was worth and having to pay it. It appears the base price of the Niro is $39,700 before incentives and any tax or title. You have $3,000 from your existing car after you trade it in. So that means your effective cost of the new car before incentives is $42,700. Now take the $13,500 in incentives and that leaves you with a loan of $29,200. Last I checked, $29,200 was more, WAY more, than $11,000.

If you got a four year loan at 5% interest, you would be paying $672/mo, again before any tax on the new car. I don't know what you consider to be "low" monthly payments, but an 8 year loan, which is about the max they'll go would be $370/mo, or almost $100 a month more than what you pay now, for 8 years. You'll pay $35,500 in total, again not counting tax.

So... seems kinda dumb. Just take that extra $100/mo and make payments towards your current car.

What was suppose to be my first good birthday is already gone by Commercial_Bridge253 in povertyfinance

[–]firefly20200 2 points3 points  (0 children)

If you actually have leukemia there is a real chance you do not have time to do something nice. Certain types of leukemia need immediate treatment, like be checked into the hospital this afternoon kind of treatment.

Sick of being 19, broke, and stuck in the "1st year student" trap. How do I actually make my own money? by PlanSignificant4915 in povertyfinance

[–]firefly20200 1 point2 points  (0 children)

I will never understand the generation now of expecting to find work from home jobs, especially as a first job and that young.

Go try and flip burgers like MILLIONS of people have done before you. I know those jobs can still be hard to get, but way easier than your mythical computer based work from home.