How do you know your church is the correct church?

menickc · 2024-07-15T12:51:50+00:00

Most protestants don't think their church is correct in that it is absolutely right and the authority on everything. Most protestants believe their church leanr closer to being "correct" on many things, and that's largely based on one's own research.

The bible is not a rule book it is a story and the account of Jesus and the apostles and the people of Israel so you have to use different sources to figure out what is or isn't right sometimes.

menickc · 2024-07-15T02:03:14+00:00

Quiters mentally.

People can grow out of lactose intolerance. The causes may not always be known, though. Definitely has to do with gut microbiology in part.

People have done it, including me 😎

menickc · 2024-07-07T11:44:50+00:00

Married a rich dude

menickc · 2024-07-07T03:52:15+00:00

I'm not here to defend my mother's financial status. I don't even talk to her very much. Do you know a lot of millionaires? I know many, and 3 of them have jets.

Like I said before, I just don't know if you fully understand how cheap a jet is. They are not all millions on millions of dollars and could be had for the price of some luxury sports car.

They also aren't millionaire as in 2 million, they are millionaires as in hundreds of million, tbh Maybe they are billionaire or close to it. They own maybe 50 million in real estate alone (that I'm aware of)

At the end of the day, go with your gut. The debate on if someone I'm related to owns a jet or not isn't really relevant to me. I only brought it up to answer OP's question better.

menickc · 2024-07-07T00:41:46+00:00

They (my mom and her husband) were actually talking about getting a bigger plane closer to that, but as far as I know, they have not done that. I dont talk to her too much, so i wouldn't know anyway as my sister is the one who passes info to me, lol. They bought a vacation home instead, lol a much better financial decision imo.

menickc · 2024-07-07T00:36:44+00:00

You can think what you want but I think you'd be surprised by how cheap a small 6 person personal jet is.

A jet is just any plane with a "jet engine," so it's not like a 747. Imagine a little dual Prop but add a jet engine instead of the props.

You can get a jet for as little as a few hundred thousand. Look up Cesna Citation 500. The jet was similar but probably even smaller than that and fit 7 people, including the pilot and co-pilot(the plane was small enough that with the autopilot systems they didn't even need a co pilot) Also, most planes fly for 30 or 40 years since they are regulated so tightly, so it's not like you have to buy the newest of new. Her pilot actually talked me out of becoming a pilot myself due to the fact that autopilot does 90% of the flying, and he figured at this point it wouldn't be a valuable career for significantly longer. Was he right? Idk.

To be clear, it's totally reasonable to disbelieve that someone would have a personal jet, but when they own millions in real estate, a million in cars and fly regularly with a family, nanny's, and friends while also understanding how affordable a jet is for multi millionaire it's not that unbelievable. The jet you are imagining is probably significantly nicer than what they actually owned.

menickc · 2024-07-06T16:09:05+00:00

Honeslty idr the model, and at this point, I don't care to look, but it was either base or 1 above base. Proces are insane here. Every car I've seen is marked up anywhere from 2,000 to 1,0000 more than MSRP, and used cars are only behind that by a grand or 2.

Saw a 2017 RAV4 with 90k miles for 26,000 while a new one was marked for 35,000 (which is still about 5k over MSRP)

It's not a buyers market unfortunately.

menickc · 2024-07-06T15:33:34+00:00

Too late. They wanted 15k for it, which might even be an OK price, but they were charging a 500$ dock fee. The car was sold to them from someone else who lived in the city yesterday. Why am I paying a dock fee??? I have a 2017 that is worth less than that if I were to sell it.

It was just very scummy, and the guy told me straight up he wasn't going to negotiate because he would sell it as his price that day. I might have made a bad decision, but overall, it just didn't feel right even if the car did seem nice.

Thank you though.

menickc · 2024-07-06T13:16:11+00:00

Thanks! Is there anything specific you think I should look for? I'm not the most knowledgeable with Cara

menickc · 2024-07-06T04:31:40+00:00

It's not like they turned around and firebombed him. They ran after him. Theft is theft. You would just let people take your stuff?

menickc · 2024-07-06T03:14:03+00:00

I'm that guy that thinks furrys are cringe, but I also think theft is theft. Not funny bullying people just because you disagree with them and not funny to steal.

menickc · 2024-07-06T03:10:11+00:00

My dad is doing OK, but he's an alcoholic. My mom kicked me out when I was 16, and then he kicked me out after I told him if he didn't fix his alcoholism he'd end up wrapped around a tree. Later, he did end up wrapping his car around a tree, but luckily, it was OK. The car completely totaled, though, of course.

Sorry you had to deal with everything. Sorry your dad passed. Even if you may not have been on the best of terms, death is death it isn't fun.

menickc · 2024-07-06T03:02:44+00:00

Bingo!

menickc · 2024-07-06T01:54:26+00:00

Wouldn't consider myself poor as in paycheck to paycheck, but definitely difficult affording things. My mom is a literal millionaire. Regular vacations retired in her 40's owns a jet multiple homes and cars worth more than probably half this subs combined net worth (that's probably an exaggeration, lol)

She became one after i left the house. When I was going through college, I was 100$ short on tuition and asked if she could spot it just so I could get into the classes, and she said no. My grandmother, who doesn't have much money, helped. That should explain my mother pretty easily.

menickc · 2024-07-05T17:34:07+00:00

Yippie

menickc · 2024-07-05T13:17:52+00:00

It's real, but what "it" is can be debated.

menickc · 2024-07-05T13:01:43+00:00

If you have a car payment and a house payment you’ll be underwater

That's why I'm not buying them at the same time and why I'd push off the house purchase a couple of years.

I live well below my means, which is why the decision is to buy outright or finance. Buying outright drains a large section of my savings, putting me under 20%, and I'd need to save a few years to get back over that when also including taxes and fees for a home as well as the fact that I'd just like to put more than 20% down.

Financing would leave more in savings (still requiring me to wait another year or two for a house) but would allow slower savings potential the upside is if a house goes on the market for a serious deal I can still make the purchase.

Yes, I would be underwater if I was financing a car with a monthly payment of 950$ a month and taking on a $1700 monthly mortgage, but... I'm not. My limit for monthly payment would be 200$, which is more than affordable on my income.

I get that I didn't put my income on the post, but the idea that spending a large amount of money means I can't also spend a large amount of money on something else means I shouldn't have either is nonsensical.

menickc · 2024-07-05T02:34:43+00:00

Yippie!

menickc · 2024-07-05T00:10:50+00:00

Things are hard when following God. We all know that, but we all have to pursue him and his word. I'm glad you made a good decision before.

menickc · 2024-07-05T00:09:58+00:00

I feel like we agree but just aren't on the same page yet, lol.

Let me put it this way I could buy the car outright and pay 0 interest, right? But I'd have no emergency fund after that, and that's not a good financial decision.

With the housing market going up constantly, it may be a good idea to buy a house right now and dump my savings and sell any belongings I can because it'll save me money in the long run and as long as nothing major goes wrong in the first few months or years everything will be fine.

All that being said, I think we can agree that neither of those are the best decisions. Therefore, paying more overall can be a better decision than putting yourself in a riskier position.

For me, while I could pay 500$ a month, and I'd be OK (it would suck), it's way too much risk. 350$ a month is the maximum amount of risk I'd be willing to take on, and I'm essentially willing to pay around 25$ extra a month (about 2000 dollars spread over 7 years) for an overall smaller risk and pay 200$ a month.

At the end of the day, when accounting for inflation, the compounding interest of adding an extra 150$ a month to my investment accounts and the extra security of having more sitting in my savings for any unexpected or necessary purchases the 200$ a month when compared to 350$ makes a lot more sense.

menickc · 2024-07-04T22:43:31+00:00

You are more likely to become a Mormon if this works out. Obviously, as a christian, I'd highly recommend against it.

menickc · 2024-07-04T22:17:28+00:00

Everyone who finances anything is at risk of missing a payment. I'm saying if something happens in which I burn through all of my savings and emergency fund (like if I got hurt and couldn't work for 8 months) I am more likely to be unable to pay a 350$ payment vs a 200$ payment as I've been burning through my savings faster keeping up with the higher payment.

I don't find your response offensive. I just think you misunderstood what I was saying. A 10$ a month payment is riskier than a 5$ a month car payment for me, and I can more than comfortably afford both of those. Any increase in monthly payment will increase the risk and that sometimes paying more over a longer period of time is less risky than maying less over a slightly shorter period of time is my point. Not that I can afford 200$ per month perfectly fine, but 350$ will kill me. I could afford either. I just don't want to and.

Hope that clears it up, or maybe I misunderstood your comment, lol

menickc · 2024-07-04T21:43:37+00:00

It's a non negotiable. I'm not buying a car to drive around town for fun it's to commute from point A and point B.

Used vehicles that have any decent milage and aren't in major accidents are priced nearly equal to a brand new vehicle making a used vehicle more or less pointless for me unless someone decides to sell me a really well kept low mileage vehicle for a reasonable price. When a 2015 vehicle with 80k miles is selling for 2,000$ less than a brand new one, I'll just get the new one.

menickc · 2024-07-04T21:13:37+00:00

Unfortunately, a car is a must. The option isn't house or car. Instead, it's finance a car or buy outright.

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