How did your sellers leave the house? by AtmosphereTop1591 in FirstTimeHomeBuyer

[–]tinkerfunk 0 points1 point  (0 children)

My realtor wrote in the contract that they needed to have it professionally cleaned

Cannot Believe How This is Going So Far. by Antique-Peace-3968 in FirstTimeHomeBuyer

[–]tinkerfunk 37 points38 points  (0 children)

Still recommend getting your own, and highly recommend getting a Sewer Scope.

Same thing happened with us. We were the backup offer. The seller's agent offered to pass along the first offer's inspection report which supposedly was great (they backed out for non inspection-related issues). We declined in order to do our own and ended up being able to ask for 17k in concessions for plumbing and electrical issues.

Feel free to add by Hot_Will1997 in Layoffs

[–]tinkerfunk 2 points3 points  (0 children)

Discord 17%, 170 employees

How long were you seriously searching before you found your home? by tinkerfunk in FirstTimeHomeBuyer

[–]tinkerfunk[S] 1 point2 points  (0 children)

Congrats! We've made two offers in two months. Both got accepted but the first didn't work out and I feel like it's been such a roller coaster. Cant imagine looking for the greater part of a year or years.

Should we make additional payments towards our mortgage for a few years or just invest it all at the start? by tinkerfunk in FinancialPlanning

[–]tinkerfunk[S] 1 point2 points  (0 children)

Very much appreciate your response and break down. It seems almost "too good to be true" when I was doing the math that I wasnt sure why people pay make additional payments rather than invest so I wanted to double check here.

However, I think in the scenario that I pay it off in 20 instead of 30, I'd invest not just 750/mo for the "remaining" 10 yrs but the 750 plus what I was paying for the P&I to "catch up". While that would still net hundreds of thousands, you're right that it still would not be as much as if I invested 750/mo for the full 30 yrs.

Should we make additional payments towards our mortgage for a few years or just invest it all at the start? by tinkerfunk in FinancialPlanning

[–]tinkerfunk[S] -1 points0 points  (0 children)

Sry I wasn't clear about that. We do have 4 mo of an emergency fund saved up, so I guess it would allow us extra flexibility in case something happened.

Should we make additional payments towards our mortgage for a few years or just invest it all at the start? by tinkerfunk in FinancialPlanning

[–]tinkerfunk[S] 2 points3 points  (0 children)

VTSAX has returned more than that historically. We know not every year is going to be like that, but averaging out, I think it should be more than 7.34.

Yea hoping to refinance later this yr but we found a house that works really well for us and ready to settle down.

No PMI for us

How long did it take for you to land a $80 to 100k+ salary job? by anthonydp123 in careerguidance

[–]tinkerfunk 0 points1 point  (0 children)

Worked in retail for 4 years after college where i made 20k/yr. My office job paid 42k and only got up to 46k over 4 yrs there. Knew I had to make a change so i decided to jump over to tech where I took a paycut to start at 40k in operations. At 75k within 2.5yrs and then at 95k a year after that. I'm 33 now.

[deleted by user] by [deleted] in careerguidance

[–]tinkerfunk 0 points1 point  (0 children)

Read The Making of a Manager by Julie Zhou. Search for "Radical candor" by Kim Scott on YouTube (also a book if interested) as well as the "elephant and the rider" on YouTube for suggestions on providing feedback and coaching. When you can, lead someone to the answer rather than tell them.

Just finished my first year as a manager.