It’s time for Real Estate agents to go the way of travel agents and the dinosaurs. When I bought a house, I went into his office, browsed listings on the internet from a projector screen and picked out the one I wanted. I could have done the same from my couch and saves a ton of money. Guy got thousands of my dollars and did about 3 hours worth of work for me. Time for the internet to kill real estate agents.
Good luck on your debt payoff journey. Here is a suggestion that often ruffles people’s feathers, but needs to be said: do not neglect the income side of this situation. Everyone always focuses on saving money, spending less, and getting more out of your money but how much you earn is also a major factor in how long it will take to pay this off. You have med school levels of debt, you need doctor level income if you are to have hope of paying this off. If you are still working a low paying job, address that by any means necessary even if it means working a job you don’t like as much.
Also, look into the public sector loan forgiveness program for your student loans if it was from the government. It was designed with teachers in mind but any job where you can work in the public sector qualifies. Basically, you get on an income base repayment plan and make 10 years of minimum payments then the rest is forgiven (but may be taxable). Of course, congress could cut the program before then.
Personally, I had a pile of debt when I got out of school with an engineering degree. I found an opportunity to go to the middle east as a contractor and make a ton more money than I could in the US while paying virtually no bills. The loans that were on a 20 year term were gone in less than one year of misery. Totally worth it. Opportunities are out there if you are willing to get uncomfortable.
Agreed that unless you have a shower at work, you should not bike there. Many buildings now offer this. Clothes in a backpack, shower at work and still in before most others and you just got your workout for the day.
1. I understand if you don’t want to drop the money on chipotle every single day but really if you can’t afford like 11 bucks once a week as is, then check yourself and your other spending habits.
4. Assuming your 15 years of vacation means once a year, thats $2k per vacation. You are not going to the alps or tahiti on that. More like the six flags in the next state over.
6. Title should have said “A house somewhere that sucks”. Its more like a really nice downpayment on an actual place worth having in a non shithole city.
Back in my day, you had to call a girl on her house phone and just hope her dad didn’t pick up. I support whatever messaging apps will make the future generations go through a similar form of torture.
Here is some actual practical shoe advice that is relevant to this site’s actual demographic: own a well worn pair of sperry’s for work and going out, decent running shoes for the gym, and a pair of boots for anytime you need to get dirty. $700 for shoes is fucking stupid.
Practice these simple phrases: “we are no longer available to dog sit for you” and “we are not having any more guests in our home right now”. See how simple that was? I get that she is a clueless idiot, but you have not actually said no to her. Some people just have to hear it straight. And throw the damn picture of her dog right in the trash and quit playing games.
Same with reusable cloth grocery bags. Fuck that noise, I can’t be bothered to bring my own bags. I bet if I did that for an entire year, it would make less of a carbon footprint reduction than skipping a single out of town drive.
Want to do something to make a real environmental impact reduction? Don’t have a fuckin kid. Avoiding the creation of another you is about the only thing you can do, short of going to live in a hut in the jungle, that will ever make a noticeable impact.
Do the same thing as a man, and you would get minimum 1 night in jail and an assault charge. Its infuriating that she got out of it for less than the cost of her bar tab that night.
Ya you are gonna have to go cold turkey for a week or two to get the effects back. Bring some Excedrin to minimize headaches, but realize that it is still going to suck. Either that, or just double down and start each day with a big shaker full of jack3d or similar pre-workout mix. Shit is equivalent to about 6 cups of coffee and you will get the jitters big time if you don’t immediately start working out.
Agree with most of it but I have known several people with business degrees and corporate experience who have been turned down from waiting and bartending jobs. While they may think of it as a bridge job until they can get back on their feet after a layoff, the manager of that place takes it a lot more seriously and has no reason to hire someone who really wants to do something else and is not going to stick around long. If you can find anything even remotely related to your field, that is a better choice than the service industry. If I were to lose my engineering job, I’d look into construction work before going to a restaurant, even if I have to take my degree of my resume and work outside in the cold.
When you finally realize it would be too much work to find a new girl… bluenile.com is the place to go. My buddy who owns a jewelry store said he can’t even match their prices. Or buy a damn moissanite and hope she doesn’t get it tested. Shit looks better than a real diamond and costs just a couple hundred for a big ass one. Just kidding, talk to her before you do this… maybe.
Beer fests are good, but your local wine fest on a sunny afternoon (probably in the spring) will be overflowing with post grad females catching a day buzz in their best sundresses. The ratio will be better than a beer fest. Its like fox fields for semi adults.
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It’s time for Real Estate agents to go the way of travel agents and the dinosaurs. When I bought a house, I went into his office, browsed listings on the internet from a projector screen and picked out the one I wanted. I could have done the same from my couch and saves a ton of money. Guy got thousands of my dollars and did about 3 hours worth of work for me. Time for the internet to kill real estate agents.
Good luck on your debt payoff journey. Here is a suggestion that often ruffles people’s feathers, but needs to be said: do not neglect the income side of this situation. Everyone always focuses on saving money, spending less, and getting more out of your money but how much you earn is also a major factor in how long it will take to pay this off. You have med school levels of debt, you need doctor level income if you are to have hope of paying this off. If you are still working a low paying job, address that by any means necessary even if it means working a job you don’t like as much.
Also, look into the public sector loan forgiveness program for your student loans if it was from the government. It was designed with teachers in mind but any job where you can work in the public sector qualifies. Basically, you get on an income base repayment plan and make 10 years of minimum payments then the rest is forgiven (but may be taxable). Of course, congress could cut the program before then.
Personally, I had a pile of debt when I got out of school with an engineering degree. I found an opportunity to go to the middle east as a contractor and make a ton more money than I could in the US while paying virtually no bills. The loans that were on a 20 year term were gone in less than one year of misery. Totally worth it. Opportunities are out there if you are willing to get uncomfortable.
A bullpen is typically a large room with no walls between the workstations. Even more miserable than a cubicle.
Agreed that unless you have a shower at work, you should not bike there. Many buildings now offer this. Clothes in a backpack, shower at work and still in before most others and you just got your workout for the day.
http://thehustle.co/why-you-shouldnt-go-to-law-school-by-tucker-max
1. I understand if you don’t want to drop the money on chipotle every single day but really if you can’t afford like 11 bucks once a week as is, then check yourself and your other spending habits.
4. Assuming your 15 years of vacation means once a year, thats $2k per vacation. You are not going to the alps or tahiti on that. More like the six flags in the next state over.
6. Title should have said “A house somewhere that sucks”. Its more like a really nice downpayment on an actual place worth having in a non shithole city.
Back in my day, you had to call a girl on her house phone and just hope her dad didn’t pick up. I support whatever messaging apps will make the future generations go through a similar form of torture.
Here is some actual practical shoe advice that is relevant to this site’s actual demographic: own a well worn pair of sperry’s for work and going out, decent running shoes for the gym, and a pair of boots for anytime you need to get dirty. $700 for shoes is fucking stupid.
An age old truth: if you think your girlfriend is crazy now, just try breaking up with her.
Practice these simple phrases: “we are no longer available to dog sit for you” and “we are not having any more guests in our home right now”. See how simple that was? I get that she is a clueless idiot, but you have not actually said no to her. Some people just have to hear it straight. And throw the damn picture of her dog right in the trash and quit playing games.
Same with reusable cloth grocery bags. Fuck that noise, I can’t be bothered to bring my own bags. I bet if I did that for an entire year, it would make less of a carbon footprint reduction than skipping a single out of town drive.
Want to do something to make a real environmental impact reduction? Don’t have a fuckin kid. Avoiding the creation of another you is about the only thing you can do, short of going to live in a hut in the jungle, that will ever make a noticeable impact.
If you go townhouse, make sure there is no HOA that can vote a fee increase on you. Then its back to feeling like you have a landlord.
Actually, cats do in fact knock over water cups and spill all over your things for shits and giggles.
http://www.urbandictionary.com/define.php?term=pussy+pass
Do the same thing as a man, and you would get minimum 1 night in jail and an assault charge. Its infuriating that she got out of it for less than the cost of her bar tab that night.
Ya you are gonna have to go cold turkey for a week or two to get the effects back. Bring some Excedrin to minimize headaches, but realize that it is still going to suck. Either that, or just double down and start each day with a big shaker full of jack3d or similar pre-workout mix. Shit is equivalent to about 6 cups of coffee and you will get the jitters big time if you don’t immediately start working out.
No insurance, not even obamacare? Pretty sure I could have gotten out of this for a $75 ER co-pay and about 10% of that those other charges.
Other things no one should do: soduku. I have enough frustrations in my life without solving puzzles in my spare time. Hard pass, every time.
Agree with most of it but I have known several people with business degrees and corporate experience who have been turned down from waiting and bartending jobs. While they may think of it as a bridge job until they can get back on their feet after a layoff, the manager of that place takes it a lot more seriously and has no reason to hire someone who really wants to do something else and is not going to stick around long. If you can find anything even remotely related to your field, that is a better choice than the service industry. If I were to lose my engineering job, I’d look into construction work before going to a restaurant, even if I have to take my degree of my resume and work outside in the cold.
When you finally realize it would be too much work to find a new girl… bluenile.com is the place to go. My buddy who owns a jewelry store said he can’t even match their prices. Or buy a damn moissanite and hope she doesn’t get it tested. Shit looks better than a real diamond and costs just a couple hundred for a big ass one. Just kidding, talk to her before you do this… maybe.
Beer fests are good, but your local wine fest on a sunny afternoon (probably in the spring) will be overflowing with post grad females catching a day buzz in their best sundresses. The ratio will be better than a beer fest. Its like fox fields for semi adults.