kdamken

20 ms·

151.
by kdamken 10y ago
So what's the solution here? How else would you improve those kinds of neighborhoods? Do you expect the poor people are going to suddenly all get better jobs and simultaneously decide to make their neighborhood nicer?
152.
by kdamken 10y ago
What a sad way to view life. Doctors and other medical staff are overworked, and that's not a good thing that everyone else should aspire to. Have fun working your way into a heart attack at 45 I guess.
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by kdamken 11y ago
I'm not saying owning a house is a bad thing - as long as you crunched the numbers and made sure beforehand, it can be the right decision. Helpful calculator: http://www.nytimes.com/interactive/2014/upshot&#x2
154.
by kdamken 11y ago
If you think it's one of the best possible investments, besides the article I poseted above I'd also recommend checking out - http://affordanything.com/2015/11/24/is-renting-better-than-... You ment
155.
by kdamken 11y ago
To play devil's advocate - if you have shitty neighbors, it's much better to be renting than owning because it's easier to let your lease expire and find a new place to rent rather than having to consider selling your house.
156.
by kdamken 11y ago
Mr. Money Mustache, based as always.
157.
by kdamken 11y ago
Yep, those are other factors to take into consideration. There's a give and take for each option. If dealing with landlords is that much worse for you than having to pay for all repairs no matter what, then owning might be a better opt
158.
by kdamken 11y ago
Yeah I think that's the tough part - everything was very different 20 years ago, so when people's parents offer advice it's relevant to what worked well for them then, rather than what would be best for them now.
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by kdamken 11y ago
So many of my peers, many of whom are up to their neck in student loan debt and have mediocre paying jobs, seem hellbent on buying a house, usually due to the "rent is throwing your money away bro!" argument. Did you know you don&
160.
by kdamken 11y ago
While you're technically correct (the best kind of correct!) in that a year of experience assumes a 40 hour work week, I don't think anyone would let you add extra years. A year of experience just means you did that job for a year
161.
by kdamken 11y ago
I don't think that's a fair comparison here - what if they only spent 5 hours a week coding? Would they be able to say they have a year of experience after one year of that? I think when it comes to work experience, a year of expe
162.
by kdamken 11y ago
Let's do some basic math - she makes $400,000 a year, on 131 units. 400,000 / 131 / 12 = $254 a month per unit. That's really not a ton of money for each one. $254 for your own place to live isn't a bad deal. Additi
163.
by kdamken 11y ago
This is a fantastic point. It's just another transaction, like the hundreds of other ones you do every month. You can almost always find somewhere cheaper to live. Can't find a house/apartment to rent in your price range? Get
164.
by kdamken 11y ago
I find companies that do the whole "we're a family, we're changing the world!" thing to be worse than your standard corporate gig that is more up front about you just being a cog in the machine. At least those companies
165.
by kdamken 11y ago
True - but most of those products support or interact with the core apple products. Amazon offers way more things, like toilet paper and cat food. I'm not sure how they're supposed to interact with a Kindle.
166.
by kdamken 11y ago
Interesting - I've been saving money and trying to get into investing more recently, and lots of the advice I've read for someone young seems to point towards using an allocation of something like 90% stocks and 10% bonds, maybe l
167.
by kdamken 11y ago
If there any difference if people were to instead invest in a Total Market index fund vs a S&P500 one?
168.
by kdamken 11y ago
True, but the point of the Apple store is to sell Apple products, and the Google Play store only sells google devices. Amazon supposedly sells everything. It wasn't created to only sell Amazon products, and it's misleading to cons
169.
by kdamken 11y ago
Highly relevant SMBC - http://www.smbc-comics.com/index.php?id=4073 But who wants to make themselves look bad? To be fair, I do see occasional posts from people who are seemingly going through a perpetual rough time.
170.
by kdamken 11y ago
If you don't mind me asking, what disease did you get?
171.
by kdamken 11y ago
Not surprising. Lots of kids are holding out hoping that someone will get elected and wave a wand to magically erase the money they borrowed.
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by kdamken 11y ago
No problem, hope it helps!
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by kdamken 11y ago
Based Mr. Money Mustache. Finding that blog completely changed how I view money.
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by kdamken 11y ago
Oh man, do I feel you on that. Doctors are fairly worthless in my opinion for these issues. I say this having dealt with various RSI/nerve pain issues for over 6 years, and tens of thousands of dollars in out of pocket medical bills. T
175.
by kdamken 11y ago
I appreciate any perspective from people who are much older. I see having a family someday as one of the larger financial variables for me in the coming decades, so I try to prepare for that as best I can. In defense of my age (and implied
176.
by kdamken 11y ago
Just out of curiosity, what happened to them? Besides significant medical or legal expenses, it's hard for me to picture.
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by kdamken 11y ago
Obviously you may not always be in a position to follow this exactly, but regardless of who you are it's a solid plan to aspire to. Even if you can only save $100 a month. Or if you can avoid using a credit card to buy things you don&#
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by kdamken 11y ago
True - it's impossible to know every detail of his situation. That's why I put the disclaimer about his health. Regardless of those things though, for most people making a decent salary, they can put themselves in a good position
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by kdamken 11y ago
Just for your info - that numbeness is your ulnar nerve flaring up. There are three main nerves in your arms, the radial, median and ulnar. If you start having those issues again, there may be an issue in your ulnar tunnel, aka where your f
180.
by kdamken 11y ago
I think this guy may actually just be dumb. Yes, C-Suite positions make more money, and get to make more decisions. If he wanted to do that, it sounds like he could have at any time. Of course just being a programmer would earn you less. &g

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