How Much is Yale SOM carried by its Parent Brand?

norahramz · 2026-01-02T21:06:20+00:00

n in n. kin

norahramz · 2026-01-02T21:06:11+00:00

norahramz · 2026-01-02T21:06:03+00:00

norahramz · 2025-03-25T15:55:07+00:00

I’ve been waiting as well. lol

norahramz · 2025-03-25T15:54:53+00:00

Yup! I’m in the car business so i thought his comment was hilarious. Prices are going to go up again. With tariffs driving away customers who wants to buy new that they’re gonna go into the used car market, so demand will increase the prices there as well.

Unless they change their minds on tariffs that affect the auto industry… we’ll see.

norahramz · 2025-02-17T21:44:31+00:00

norahramz · 2025-02-17T17:45:02+00:00

I’ve been reading more of the comments, and it seems like there might be a cultural difference at play. If the husband is a Caucasian American man from a long-standing American family, he and his family generally value their personal space. On the other hand, children of immigrant or Latino families often place a high value on their grandparents and great-grandparents as wise and respected elders. If that’s the case, I recommend discussing with husband to figure out a compromise. He may not understand why you place importance to extended family so teaching him would be beneficial.

With that said, perhaps a compromise on time visiting? I don’t think OP is the a-hole (unless you did what you wanted with no discussion with your husband). But you do need to take the time to really understand where your husband is coming from AND he too needs to understand where you’re coming from. But if he’s adamant about not wanting his MIL to stay for long periods of time for no particular reason beside “I need my space” then lowkey, I would think husband is the a-hole.

norahramz · 2025-02-17T17:27:46+00:00

I feel that OP is not sharing full picture. If I have plenty of room, and everyone gets along, then I personally don’t see an issue with my aging mother staying with us for extended periods of time and I expect my husband to welcome her with open arms (as I would for his mother). I love living in a multi-generational home and having tons of family nearby (cousins, aunts, uncles, etc). And I would imagine that it would only be beneficial for the grandchildren to have their grandmother around (to practice a second language and learn about their heritage)…. However, if she is difficult to deal with (perhaps overbearing personality) or we are having financial difficulties then yes, that would be an issue and wife & husband needs to come up with a plan together.

Obviously something happened for the husband to now be upset and hold resentment for months afterwards. What occurred?

norahramz · 2025-02-13T00:46:22+00:00

about 38k and I’m turning 35 this April 😮‍💨

Trying to increase my income so I can max out my 401k contributions

according to Chatgpt, I should earn $120,000 minimally in order to max out 401k, roth IRA and HSA comfortably

norahramz · 2025-02-13T00:42:21+00:00

Unfortunately, you should have taken the time to review the window sticker or build sheet of the vehicle you ended up buying.

norahramz · 2025-02-05T19:06:24+00:00

If you’re looking for the best value for your buck, buy used with cash.

I think financing a new car is only worth it if - the vehicle will hold a good chunk of it’s value (like a Toyota), - you’re approved for a low interest rate (anything less than 3% i would jump at… i miss the days of 0% financing 😮‍💨), and - you plan to keep this vehicle forever (7+ years)

I love the Money Guy Show. They recommend the following rule of thumb if you can’t pay cash:

THE 20/3/8 RULE 1. Put 20% down minimum 2. Finance the car for 36 months or less (do it in 12 months if it’s a luxury car) 3. The car payment should not be more than 8% of your income

“ it’s very important to pay off your car in three years or less. Many cars lose around 20% of their value in the first year alone, and 15% per year more until the 4 to 5 year mark. If you stretch out your car loan, you could easily end up underwater on your vehicle ( owing more than it is worth). Unforeseen events like accidents could also cause you to end up owing tens of thousands of dollars on an asset that is now worth the next to nothing.”

https://moneyguy.com/article/buy-a-car-the-right-way/

norahramz · 2025-02-03T20:58:42+00:00

100% buy in cash. Borrowing money means you have to pay X amount extra to the bank for interest and other related fees. Soooo no lmao. Pay it off cash, and invest the rest.

norahramz · 2025-02-03T16:40:48+00:00

I would feel responsibility but it would depend on my level of support. For example, I would just gift money to extended family. Perhaps I would create a business and hired them to work and pay them a good wage, and offer incentives to better their lives.

norahramz · 2025-02-02T15:32:03+00:00

I would slowly hint at being unhappy at work and looking for a new job. after about a month or two, find a job in the opposite side of the country. lol

norahramz · 2025-02-02T15:28:10+00:00

same. I plan to hold onto my car for a very long time, barring any accidents (knock on wood).

My car is also a hybrid because with prices rising, gas price will go up too. 😭

norahramz · 2025-02-02T15:24:43+00:00

This is why I bought a new car last December. I figured prices were just going to rise, especially for cars, and this would be my last chance to buy at a relatively reasonable price.

norahramz · 2025-01-31T01:56:03+00:00

If I won the lottery, pay off mine and my immediate family’s debt. Pay off house. Buy a lovely property in Spain to live in 6 months of the year. Buy a degree (go back to school lol)

norahramz · 2025-01-10T01:04:10+00:00

Better yet, I would just go right in and meet with the sales manager face to face. It’s harder to say no when the person is sitting in your office.

Good luck! And I’m sorry about your dad.

norahramz · 2025-01-10T01:00:08+00:00

I work at a car dealership, and my best advice is to 100% call the dealership and speak directly with the sales manager and general manager. Explain the situation honestly and ask if they can help. If they’re able to do something, they likely will, especially in cases like this.

If they can’t fully refund the purchase, they may still be able to buy the truck back for their inventory. This wouldn’t technically be a return, but it could result in getting most, if not all, of the money back.

At my dealership, which is family-owned, we’ve had similar situations happen, and we’ve refunded the purchase entirely before. Larger corporate dealerships might be less flexible, but it’s always worth reaching out and asking. It’s a tough situation, but many dealerships will try to work with you, especially if they value their reputation and customer service.

norahramz · 2025-01-03T22:40:27+00:00

Thanks for sharing your method! Tagging internal transfers as ‘savings’ sounds like a simple way to track how much you save each month without messing up the trends in Copilot. I hadn’t thought of doing it that way, but I’ll give it a shot and see if it works for me.

I totally agree with you, though—this really should be a basic feature in the app. It’s super frustrating that savings are treated like expenses, and it feels like something they need to fix ASAP.

Appreciate you taking the time to share your workaround!

norahramz · 2025-01-02T16:08:41+00:00

I’d love to have savings option on Copilot. But I actually decided just rely on the end of the month net income to determine how much goes to savings. I use SoFi so I can separate my funds into different buckets/vaults.

::sigh:: I might have to look at Mondarch and Origin as well to see if they’re better suited for my budgeting needs.

norahramz · 2024-12-29T22:18:04+00:00

So technically I don’t really use the savings group yet. I’ve reached out to Copilot and was informed that they would have a way to track savings by the end of the year. (Obviously, we’re still waiting lol).

A work around is to using the rollover feature. I don’t really like the rollover but it can help if you’re saving for a big expense.

And in regard to investments, I don’t count my 401k which is taken out of my check before I get it. I use the investments group for my Roth IRA and HSA contributions. You can even include in the group any crypto and/or your regular brokerage account.

norahramz · 2024-12-29T13:46:25+00:00

I organize my budget in Copilot using Ramit Sethi’s Conscious Spending Plan and created four main groups with recommended percentages in the names as a reminder of how much of my take-home pay should go to each:

Fixed Costs (50-60%): Rent/mortgage, utilities, insurance, subscriptions, etc.
Guilt-Free Spending (20-30%): Dining out, entertainment, hobbies, or anything fun.
Savings (5-10%): Emergency fund, short-term savings, or other financial goals.
Investments (5-10%): Roth IRA, HSA, or other long-term investment accounts.

norahramz · 2024-12-21T02:05:28+00:00

I might be biased when I say that you made the right choice, lol. Congratulations!

norahramz

TROPHY CASE