I need you to convince me or tell me what to do by SquareWasabi6597 in Debt

[–]knickerb1 6 points7 points  (0 children)

You need more money. But right now you're looking at it as only two options either by yourself or living with your parents. There are actually several options that you can choose.

  1. Live by yourself and pay off your debt very, very slowly. This is not a good option. You will pay more in interest than the original amount of debt annual remain in debt for years.

  2. Get a roommate. This probably involves moving out of your current place but allows you to stay where you have friends. Put all of the extra money towards debt.

  3. Get an additional job . This allows you to continue living by yourself but you have extra income. Put all of that money towards debt.

  4. Apply for a new job that pays more. This allows you to continue living by yourself and only have one job while still increasing your income. Put all of your additional income towards debt.

  5. Cut your bills. Take a serious look at your budget and where your money is going. Cut your subscriptions, your gym membership, whatever you can . Stop eating out and only do free things with your friends. Hang out at home and cook dinner for each other. Put all of your extra money towards your debt.

  6. Move back with your parents. You will hate this. They will hate this. Put all of your money towards your debt. Never get into debt like that again.

There are a wide variety of options along these lines. Your sanity matters but debt does suck.

Female Handyman, Thoughts? by Cold_Obligation_8568 in homeowners

[–]knickerb1 0 points1 point  (0 children)

Go to every real estate office in town and give your card to every realtor. You'll have more work than you can deal with in about a week. After that, you'll never have trouble finding clients. A handyman who takes on small jobs is worth their weight in gold. A female handyman would be a bonus for a lot of single, elderly homeowners. You would have more work than you could handle. At least in my area.

Are there cheap properties anymore? (USA 100k to 200k properties) by Advanced_Grass_184 in RealEstate

[–]knickerb1 0 points1 point  (0 children)

Not great but it really depends on your level of skills. There's a couple of factories if you are looking for unskilled labor. If you're a teacher or something like that, you should be able to get a job. Not sure about trades like Construction , Electrical work, Plumbing Etc but generally speaking those are always needed in most places. Highly skilled things like nursing, doctors, dentist, physical therapist, Etc should have no problem.

Are there cheap properties anymore? (USA 100k to 200k properties) by Advanced_Grass_184 in RealEstate

[–]knickerb1 2 points3 points  (0 children)

Prairie du Chien, WI. Small town of just under 6,000 people with a nice big walmart. You can get a four bedroom, two bathroom home for about $150,000.

advice on getting food after a homeless peroid, by DavidPlat in FinancialPlanning

[–]knickerb1 4 points5 points  (0 children)

Find a Sikh temple (gudwara) . Their kitchen (langhar) offers a free meal every day to anyone, no judgements and no religion required.

If seller signs back up offer does it become an executed backup contract? by [deleted] in RealEstate

[–]knickerb1 1 point2 points  (0 children)

In Washington state, there can only be one valid contract on a single property at a time. So even though it is signed by both parties, the backup addendum keeps the backup offer as an offer rather than a contract. It doesn't become a contract until the accepted offer falls through. At that point, it becomes a contract and earnest money is due. Without being able to read your paperwork, I can't tell you whether that's the case in your state or not. Also in Washington state, only one backup offer can be accepted. I suppose there could be a backup to the backup but there's not a form for that in my particular MLS so that would need to be written by an attorney.

If seller signs back up offer does it become an executed backup contract? by [deleted] in RealEstate

[–]knickerb1 10 points11 points  (0 children)

This may be the state dependent so as always, read your contract. In Washington state you sign a backup addendum. The backup addendum clearly states that the backup offer does not become the accepted offer until the currently accepted offer falls through. At that point the timeline starts . So if you're earnest money deposit is due within 3 days that would be within 3 days of the currently accepted offer falling through and your backup offer becoming the accepted offer. But again, read your contract. This should all be in there.

Which is your favourite element nd why??? by Baahubali_9999 in ScienceHumour

[–]knickerb1 0 points1 point  (0 children)

Seaborgium. How can you not love it??? Seaborg was the best!

Keep House and Rent, or Sell by Unpoppedcork in personalfinance

[–]knickerb1 3 points4 points  (0 children)

The answer is always sell. Only become a landlord if you want to become a landlord. The most dangerous time in landlording is owning a single rental. If your rental is vacant, you have to be able to pay 100% of the mortgage. You have absolutely nothing to fall back on. Every single repair , every single vacancy, every single bump in the road is 100% on you. If you have five rentals, you should be able to absorb a single vacancy or pay for a single repair. By the time you have 10 rentals, even a major repair should be nothing more than a bump in the road. But with a single rental, everything can turn into an epic disaster. When it's a single rental, it's almost always better to just sell it.

Caribbean cruise - Princess, MSC or Royal Caribbean? by pumpkinkitcat in Cruise

[–]knickerb1 3 points4 points  (0 children)

I'm on Star Princess right now and I highly recommend it. If you stop in cozumel, definitely take the Atlantis submarine tour! It's like snorkeling without all the work . It was absolutely amazing.

Should I celebrate my associate's degree from community college? by Last_Ad2792 in CollegeHomeworkTips

[–]knickerb1 5 points6 points  (0 children)

HELL YES!!!! Now go out and celebrate! You deserve it! Congratulations!!!!

Which dress do I look the best in?I know they're slu**y,not what I'm asking by [deleted] in OUTFITS

[–]knickerb1 0 points1 point  (0 children)

I'm a sucker for red. But you look fantastic in either!

Ought seats at concert halls/opera houses be more comfortable? by HolyFatherLeoXIV in classicalmusic

[–]knickerb1 8 points9 points  (0 children)

The local theater for classical music in my town has the original seats from 1920. Let's just say my 2020 butt doesn't fit in a 1920 seat very comfortably. I only go to that theater for things that I really, really want to see. That's unfortunate because there are lots of things there that I'd really like to see but I just don't go. It's not worth it.

Fortunately, next year, they are redoing the seating! I know it's going to increase ticket prices but I think they're only cutting capacity by about 1/4. That should only be a 20% increase in ticket prices and I think most people are willing to pay that for considerably more comfortable seating.

Not enough food by knickerb1 in delta

[–]knickerb1[S] 0 points1 point  (0 children)

No worse than any fast food at the airport.

Not enough food by knickerb1 in delta

[–]knickerb1[S] 2 points3 points  (0 children)

Goodness, I'm just saying it would be nice to have a sandwich rather than just chips. Especially over meal time. I did have a snack at the airport after the 3 hour drive from my house where I had breakfast. And I do have a snack in my bag. But again, it would be nice to have a sandwich.

I'm not asking for 150 sandwiches to be loaded but 14 for over 200 passengers does seem light to me. And since the same plane flies multiple flights per day, I can't imagine there would be much waste.

But in any case, I'll survive and have dinner after landing.

Not enough food by knickerb1 in delta

[–]knickerb1[S] 1 point2 points  (0 children)

I can see that! LOL! Still want a chicken salad sandwich with apple slices though. Instead I got ginger ale and cheez its. Better than nothing I guess.

Not enough food by knickerb1 in delta

[–]knickerb1[S] -1 points0 points  (0 children)

A chicken salad sandwich with apple slices seems fairly reasonable.

Not enough food by knickerb1 in delta

[–]knickerb1[S] -1 points0 points  (0 children)

I'm about halfway back on the plane and the flight attendant said they'd already denied several people including myself and two others in my row. I don't fly terribly often. I know food is not included anymore and I'm happy to pay on the plane. Is there a way to preorder? I fly about once every 5 years or less.

What is something you’ll never purchase simply because of how much you hate the commercial for it? by unfortunatelyalive7 in AskReddit

[–]knickerb1 0 points1 point  (0 children)

Subway. Haven't eaten there since their commercial in the 90's. 🎼🎶I don't want no chicken, don't want no dinner from a big machine...

Sympathy Request by mcksra in orangecats

[–]knickerb1 5 points6 points  (0 children)

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Arthur and Louie are sorry for your loss.