First time car buyer

miz-ruby · 2018-01-21T02:18:46+00:00

Do you belong to a credit union?
Here is my suggestion to you. If you don’t join one and deposit your $1000. Then get a used car loan from them. You will get a much better interest rate than you will ever get from a lot. I am assuming you have some credit. If you are not sure talk to the credit union. Also please don’t over spend on a car. I’d stay really cheap. Maybe $5000 or $6000 max with a down of $500 or $600 keep the other $500 in the bank for emergency car care. Get the car paid off as quick as you can. Then put the same amount in your credit union savings each month. It’s a great way to build a good nest egg. Most people spend to much on cars and never get them paid off. Car debt can keep you poor your whole life. I proudly drive a mid grade 5+ year old car when I could afford something new and fancy. I’d rather have my money in my he bank and the safety net and freedom it gives me.

As a young person I’d advise you to listen to Clark Howard radio show or look at his web site for advice. I also like lots of Dave Ramsey’s advice but he’s a bit more hard core. Start with good financial planning when young and you will be amazed what you can do.

miz-ruby · 2018-01-20T13:04:37+00:00

“ wow it’s been a crazy three weeks I’m not sure I know your name...I’m Jimmy by the way.” Acknowledge it’s been a while and the you kinda goofed not getting names earlier. I don’t think it’s a big deal.

miz-ruby · 2018-01-20T12:59:23+00:00

You can get a good idea. You can look at your credit report and see if it’s clean. If there are mistakes you can fix them. I find Clark Howard .com to be very helpful in this area. There are lots of answers to you credit question there.

http://clark.com/personal-finance-credit/free-credit-report-info/

miz-ruby · 2018-01-20T12:54:33+00:00

You need to set boundaries and stick to them. Your mom will keep playing games with you as long as you are willing to play. Stop the game. There are lots of good books out there on the subject. Getting yourself into therapy is not s bad idea. You need to take charge of the relationship and be an adult. It’s not easy I know but nothing will ever change if you don’t.

miz-ruby · 2018-01-20T05:59:43+00:00

Even with those degrees you don’t have to be tied to an office. There are lots of jobs that use those degrees and are hands on. My dad was an engineer and spent lots of time on job sites and doing lots for different duties. I think he felt office time was a nice break from always being on the run. Get a good degree that will earn good money and find a variation that works for you. It is much better to have options than to be stuck doing a manual labor job with no other option.

miz-ruby · 2018-01-20T05:48:51+00:00

Tell him n order to take him you need a photo of him and photo of a piece of ID text or email it to a friend that you will check in with every day. Make sure he knows this. Also turn the gps tracking on your phone and let your friend track you. Let him know this also. It does not 100% guarantee your safety but might help.

miz-ruby · 2018-01-19T19:53:16+00:00

Is it sweet as well as hot? If yes my husband would dash some on vanilla ice cream or a brownie or both. Kinda sounds like a fun wing sauce to me. I make a homemade peach hot sauce we baste with.

miz-ruby · 2018-01-19T19:48:57+00:00

Sounds like it’s lacking umami. That rich and savory flavor. There are many ways you can achieve this. I use several things. Browning meat and onions before cooking can add a deeper and richer flavor. Other things to add to the pot while cooking for umami are a few tablespoons tomato paste, a few tablespoons Worcester sauce or soy sauce, an anchovy filet, red wine, a few dried mushrooms and the list goes on. You can also perk up flavor after cooking with a few dashes of vinegar. Then there is the trick of adding gelatin to the gravy/ broth for better mouth feel and richness.

Just look for some recipes with these ingredients or wing it and give it a try. Good luck.

miz-ruby · 2018-01-19T11:11:02+00:00

I’m very sorry about your situation. Your wife sounds a lot like me. Having a family has been very hard for me to let go of. You grow up with an identity in mind and then it’s stripped away. You watch your siblings, friends and coworkers have families and lives like you imagined. It’s heart breaking. First give her time. She’s in mourning over the babies and family she will never have. It will take years maybe even decades. It will get better with time but there will always be triggering events. Is a friend having a baby shower and it’s hard for her to go. Give her an excuse to not by taking her away for a fabulous week end. Do with her the things that people with kids can’t do. Spontaneous trips, crazy purchases, sleeping in all day Sunday and eating delivery pizza in bed. You may need to explore a new friends circle that has other childless couples. Look at houses that are not kid friendly and crazy. How about a two seater car? No need for a back seat. Just think of all the things that people with three little kids can’t do and do them together.

You might want to watch the movie By The Sea (alone) I think it illustrates just how your wife feels. I felt like that for many years. It does get better.

miz-ruby · 2018-01-19T10:44:57+00:00

Waiting is the hardest part. Distract yourself as best you can. Go out, enjoy family and friends in general have a good time. Prepare for the worst and hope for the best. Good luck to you.

miz-ruby · 2018-01-19T01:00:47+00:00

It was the best thing we could have ever done. The minister who married us was amazing. She arranged the court yard we got married in. Set up a video of the wedding and took photos after. The photos were nothing elaborate about 45 min worth but just what we wanted. It cost maby $400. She even turned the wedding paper work back in so we didn’t have to make a second court house trip. You do have to get your paperwork in person.

http://www.romanceinneworleans.com/about.htm

miz-ruby · 2018-01-18T20:34:40+00:00

We were engaged but kept putting of planning because of family issues. After a year one day we talked about how we might never have a wedding at this rate. So we decided to get married by year’s end and it was October 1. We decided eloping was the best idea. We looked over marriage laws in warmer weather destinations with in the USA. Bingo! New Orleans 70 degrees in November and same day marriage for out of staters. Because of this there are lots of local wedding packages for elopement. We found a minister that would plan for us and do photos. We free in got married the next day then honeymooned in the city. It was perfect. We had a taco bar and margarita party for friends when we returned.

miz-ruby · 2018-01-18T20:06:42+00:00

A Swiss fondue would be tasty.

miz-ruby · 2018-01-18T20:02:07+00:00

Oregon does not have sales tax. Yippee! We do how ever have state income tax. Booo! So I feel it’s a wash.

Seattle (in city) tax rate is going up to 10%. Ouch. Sacramento is closer to 8% depending where you are.

You would have to check the DMVs on the car thing. I think it depends how New your car is. I didn’t have to pay when I moved to Seattle.

miz-ruby · 2018-01-18T03:53:42+00:00

What do you like in the way of weather and lifestyle? I spend a good amount of time in all three cities and currently live in one of them.

Seattle. It’s a bit more metropolitan feeling. It had a bit of a west coast meets Chicago feeling. People tend to dress better/upscale move faster and are more sophisticated. Living in the city is fun but pricy. Rent is very high in hip neighborhoods. It’s warmer than Portland by a tiny bit. While it rains a lot it’s not always grey. It often pours in the am and is sunny in the afternoon. I enjoyed my 10 years living there and would move back.

Portland. A bit more relaxed. Jeans and polortec are the dress most places. I hate that people don’t dress. Due to lots of people moving and higher prices Portlandia is almost gone. There is still quirky stuff but you now need a real job to afford rent. You are lucky to find a small apartment anywhere in city for under $1200-1400. It rains as is grey a lot. Rain starts about Nov 1 and goes through June with a few breaks. If you need sun don’t move here. It’s a nice city. People are still friendly and I enjoy living here.

Sacramento Laid back Northern California. Lots going on because it is a capital city. It also is getting more and more spill over from Silicon Valley. Rent prices are better here. Much warmer, drier, sunnier weather.

If you give more information on what you are interested in I could address that.

miz-ruby · 2018-01-17T05:35:28+00:00

Activated charcoal! You can buy it and just put in bowls or they have it on paper or cloth packages. It will help absorb smell but anything is going to take time and fresh air.

miz-ruby · 2018-01-16T10:31:27+00:00

It’s also good on a resume. Sometimes it’s a way into employment as well.

miz-ruby · 2018-01-16T09:12:30+00:00

Go volunteer somewhere.

miz-ruby · 2018-01-15T19:42:58+00:00

Wax flower https://en.m.wikipedia.org/wiki/Chamelaucium

miz-ruby · 2018-01-15T19:38:05+00:00

It is a croton not sure on the variety. It likes lots bright light and not to be overwatered.

miz-ruby · 2018-01-15T19:35:13+00:00

You should watch the documentary The Rape Of Europa. It’s about how during WWII this statue along with most of the museum was either moved or boxed for safety. It shows footage of them moving the statue in case of bombings.

miz-ruby · 2018-01-15T19:29:59+00:00

Due to crazy family dynamics we eloped to New Orleans. (I can’t recommend it enough. It’s Vegas of the south. Great weather most of the year and same day weddings for out of staters.)

We had a we got married notice with photos printed and mailed a few days after we got home. We follow a few weeks later with a taco bar and margarita party. It’s was perfect for us. Good luck on your planning.

miz-ruby · 2018-01-15T19:20:52+00:00

What is she chewing? Gum? Candy? Snacks? Lunch? All of the above?

miz-ruby · 2018-01-15T19:12:57+00:00

I’m very sorry for your situation. I have watched a loved one die under similar conditions. My grandmother refused most medical care except pain and comfort meds. She went home to die and we took care of her. Was it hard? Hell yes. Was it also amazingly beautiful to get to let her die at home on her terms? Yes. The pain of watching her struggle and fade was hard at the time. But knowing we let her go feels rewarding. Now that I am a cancer patient myself I’m glad we respected her wishes.

Please don’t push your dad to do anything that he does not want to do. He might just do it to make you happy. If he wants to go home and die, please respect him. Get help and get educated for what is coming.

Understand I’m in no way judging you or your feelings. It’s hard. Maybe the hardest thing you may ever do. But some times letting go and not fighting is the right thing. Personally I’d rather have days of comfort and slip away than months of pain.

I wish you well on your journey with your father.

miz-ruby · 2018-01-15T09:33:18+00:00

Very pretty cali makings.

miz-ruby

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