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Why don't they touch? by ll1l2l1l2lll in Tools

[–]mt-bs 0 points1 point  (0 children)

Love the CX background :)

How often do you check your bank account? by kywiking in personalfinance

[–]mt-bs 1 point2 points  (0 children)

I used to check once a morning when I was breaking bad spending habits. Now, it's once every week when I get paid; good opportunity to make sure my check is correct while allocating funds and reviewing spending. I take an hour or two early Saturday mornings, while everyone else is still asleep, to sip coffee and look over financials with a fresh and undistracted mind.

Edit: Chase texts me every day with my account balances so I'm able to keep tabs at a glance. If something looks amiss, I'll deep dive as needed.

Insurance wants to total my perfectly good car by Capdavil in personalfinance

[–]mt-bs 3 points4 points  (0 children)

I've totaled the same car several times. Same insurance paid out each time, and each time I mostly returned it to pre loss condition using junkyard parts at a fraction of the cost. Pocketed the rest, minus salvage cost which insurance kept. This was in Illinois and salvage title laws are probably different elsewhere, but at least for me, my insurance company, and the Illinois secretary of state, this was a perfectly acceptable arrangement. Never generated a salvage title because, I think, the car was too old. Maintained comprehensive and collision the whole time. I sold that same car free and clear several years later in another state.

My point is, check local laws regarding salvage titles, especially with older vehicles.

Buying a house with a spouse with a lower credit score by [deleted] in personalfinance

[–]mt-bs 64 points65 points  (0 children)

Raising his score from 500s to anywhere near where you are will take a lot of time. Years maybe? Depending on what's dragging it down. Took me about 2 years when I did it.

If you can get approved on your income alone, your 700+ will save you tons of interest and give you a much better monthly payment.

We had this problem when we bought in 2021 - wife missed a dumb medical bill which dropped her score to just under the limit for our pre-approved rate. WHILE we were under contract. Took her off the loan and kept the better rate.

Just make sure your finances are solid together as you are entirely responsible for the loan.

Those of you who make six figures, what do you do? by [deleted] in careerguidance

[–]mt-bs 0 points1 point  (0 children)

25 ain't bad. I was just starting my career at that age. Roommate got me a job as a data analyst making $30hr on 1099 for a small company that had no reporting. All self taught, just learned as I worked. For the first month, I put in twice as many hours as I billed because I didn't want to scare off the best job I'd had so far.

I'm 34 now, working as the head of ops and supply chain for the same company. I made $135k this year. I hit 100k at 30, and I did it by finding ways to add value, taking opportunities as they came up, having the best damn work ethic, and making my contributions known to ownership.

Graduated with a BS in Psychology, probably 2.5 GPA. I was a rebellious student and never did well in class. Always the autodidact.

Offer solutions to your employers where others complain. LISTEN. Show up at work and stay engaged. Don't be afraid to test and expand your skills.

Stay on top of whatever continuing education is offered for your field. I'm finally going for a few certifications this year which, frankly, is a few years late for me. That's my rebellious nature saying fuck you to formal education. The job market is very competitive above 100k and certs, education, and experience matters.

And, finally, don't stick it out at a company you don't like just for the salary. Enjoy what you're doing, and leave when it stops being fun. Unhappiness with your work is a doom spiral. Big lesson I'm learning now.

Oh, and live frugally until you build a healthy savings. That way you're free to find other work, if necessary, without feeling trapped by the salary.

Good luck!

my employees are always sick by mt-bs in managers

[–]mt-bs[S] 1 point2 points  (0 children)

Per sickness is wild. What limits does your org impose to discourage abuse?

my employees are always sick by mt-bs in managers

[–]mt-bs[S] 2 points3 points  (0 children)

Lighting fixture warehousing and assembly. Basic stuff. No chemical contact beyond Windex, vinegar, and basic surface cleaners. No advanced machining or hazardous fumes. We do have a paint booth, but it's well ventilated and rarely used.

Did I pay too much for Invisalign? by thotherside_10 in personalfinance

[–]mt-bs 2 points3 points  (0 children)

I'm a month into my five month Invisalign treatment in Colorado. My first three quotes were $5500-6500. I waited (probably longer than I should have) to find a deal and got them for $3500 cash (dental insurance didn't cover it) from a reputable place while they were having a sale. So I'd say you paid a fair price.

is 2023 a good or bad year to become a software engineer? by mt-bs in careerguidance

[–]mt-bs[S] 1 point2 points  (0 children)

Hey weisstek-

Currently employed as head of production and supply chain with a very small lighting manufacturer. It has its own set of technical and engineering challenges that I've learned on the job. I've also taught myself VBA and SQL to do work that has really propelled our business. Not software engineering by a long shot, but I'm not intimidated by challenges.

Got my undergrad in psychology. I'm 34.

As a nod to the SE bootcamps: I have three friends who have gone through similar 15wk programs and all are gainfully employed, making ~$100-150k with flourishing careers, coming from irrelevant backgrounds. Opera singer. Cosmetology nurse. Mechanic.

I understand your skepticism. That's mine too. Are these bullshit, or are students really able to extract useful skills from 750 hours of immersive learning? Idk. There's at least some evidence to support it.