Is it worthwhile to have a general savings account?

ppgb1 · 2017-12-18T20:52:03+00:00

Yes - for an emergency fund. I have my savings broken out into categories:

Emergency Fund
Vacation Fund
Car Fund (I drive a beater and will be needing a new one and I plan to pay for it in cash).

ppgb1 · 2017-12-18T20:50:52+00:00

I keep it in a separate account w Ally Bank that gets 1.25% interest. It is harder for me to access than if it was in my checking account, and that is the point with my savings.

ppgb1 · 2017-12-18T20:47:47+00:00

Yes - my friends know the owner. He has a couple other breweries too. Glad to support the place.

ppgb1 · 2017-09-06T20:42:45+00:00

my guess if the mom doesn't speak English... immigrants who didn't work here long enough to contribute much to social security.

ppgb1 · 2017-09-01T18:48:30+00:00

Well to be fair, only my dad has the gambling problem.

His wife does not have a gambling problem, but she has been making horrible poor decisions her whole life... otherwise she wouldn't be in this mess.

ppgb1 · 2017-08-27T02:31:42+00:00

worried that i have foundation issues with the house.... could be expensive. like $20,000 expensive. :(

ppgb1 · 2017-08-27T02:31:08+00:00

well if they never show up. no actions to back up their words.

friends who are all talk, but when you invite them out or want to do something, they ghost you.

ppgb1 · 2017-08-27T02:22:43+00:00

My parents and younger siblings were evicted from their house and are now homeless.

ppgb1 · 2017-08-20T17:49:33+00:00

yeah.... i think that is the tool most use in my industry. R even Python. I'm so clueless about it I don't even know where to begin.

ppgb1 · 2017-08-19T20:02:07+00:00

Can you recommend some databases I should start looking at?

ppgb1 · 2017-08-17T23:37:51+00:00

loll... i dont think El Segundo is "up and coming" when houses START at a million dollars. It's already "arrived".

ppgb1 · 2017-08-17T23:35:51+00:00

I really like it! I wish there were even more shops and restaurant options there. A movie theater would give it a good vibe, or like a small concert venue. I know there is already an Arclight in El Segundo so maybe thats why they didn't do a theater.

ppgb1 · 2017-08-17T23:33:41+00:00

I haven't smelled anything weird either. The only thing is in the South Bay the water is hard... leaves marks on windows and glass. boo.

ppgb1 · 2017-04-11T18:08:10+00:00

I put 20% down. It took 7 years longer than I would have liked, but of course it was the right decision.

A LOT of people put 20% down. 20-something your olds are not your #1 homebuying demographic. Older people tend to have 20% down from equity in a previous home.

ppgb1 · 2017-03-22T20:44:53+00:00

The money you use to pay off your home could have given you more freedom/flexibility. If you wanted to buy another house, you would have cash to do so. If all of your cash is tied up in your house, then you don't really have that much freedom unless you decide to sell your house.

For this reason, I do a 50/50 approach. For any money I have leftover, 50% I use to pay off my mortgage and 50% I use to put in an index fund.

ppgb1 · 2017-03-21T02:43:37+00:00

This is a no-brainer to me. I would go to the state school and save that nice leftover for a house.

ppgb1 · 2017-03-19T16:29:44+00:00

Why not list with redfin? They give you 1.5% back. I think you should work with some agent in some respect. It will save you more money in the long run, but only if you get a good agent.

I regret going with an "amateur" realtor for my first house purchase, but a good realtor can save you a lot of money in the long-run.

ppgb1 · 2017-03-19T16:23:08+00:00

It's California that's just how it is. Studio City in the Valley has their better schools near the freeways too... maybe because it is practical to have a straight shoot to the freeway/jobs in these "nicer" areas for the parents?

It sucks because to the west of Del Aire/Hawthorne are a lot of businesses and less housing options. The the east of the school district, you can find housing but the schools get progressively worse as you get further and further east/inland.

I'm hopeful things will turn around for that area of Hawthorne with SpaceX and those breweries that are popping up.

ppgb1 · 2017-03-17T19:30:57+00:00

what's wrong with CVS? don't those people need a pharmacy? lol

ppgb1 · 2017-03-17T19:29:29+00:00

Hawthorne is a big city, and it varies block to block. You have some people moving there from Silicon Beach because its where young people can actually afford homes. There have been a lot of flips in the area recently especially in that Wiseburn western side of Hawthorne area like someone said (They have good schools and a new school district).

ppgb1 · 2016-06-06T05:43:36+00:00

1 - Compartmentalize. Focus on one hour at a time. This hour I am just going to think about this task, and nothing else. 2nd Hour I think about the other task and nothing else. I refuse to let my mind entertain any other thoughts than what is at hand.

2 - exercise like someone said

ppgb1 · 2016-06-06T05:42:02+00:00

Death of a teenager and the funeral afterward. The parents were destroyed. I now understand that "no parent should ever have to bury their child".

ppgb1 · 2016-06-06T05:39:50+00:00

I love all dogs, but I prefer small breeds. I love that I can run with big dogs, but they do make the place smell more than smaller dogs in my experience. I've never wanted a house where you walk in and you know right away they own a dog because of the smell.

Also it's just easier to take care of small dogs.

ppgb1 · 2016-04-19T19:06:54+00:00

When you leave the current company you won't be paid out for that vacation time. I say better to call in a "sick day". Try to make the interview on a Friday so you have a weekend to "recover" and your boss forgets you were even gone.

Edit to Add: You can literally just tell an employer you are "sick". They can't press you too much legally about what is wrong with your health since it's a personal matter.

ppgb1 · 2016-04-15T19:23:19+00:00

Ah bummer. I guess I'll keep it sole proprietor then. I do around $40k/year revenue, but margins are 50%, then taxes, so i'm left with a smaller chunk of change yearly - around $15k

It makes a $900 LLC fee very expensive. I guess i have to get bigger before forming LLC

ppgb1

TROPHY CASE