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Krakkles posted:What's a main asset? Wife used to ask why I was so safe with money and kept so much in savings...then we had Winter 2019 and 15k+ in medical bills and associated poo poo. Now she understands and has even started to be better with her savings. Bodies are a massive liability, if yours is working properly be thankful.
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Feb 25, 2021 20:48
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everdave posted:Does anyone know if there is a fix to all of mail in Gmail being in the trash? I am already having a rough day and my mom is calling me in tears telling me to fix it and I can't. She has 208k emails in trash. Yes that is ridiculous. But when your mom is in tears because she is about to lose emails from dead family members I don't know. I have had multiple gmail accounts since '04 and never had this issue. I had this with an o365 user (who happened to be the principal of a school) and while she would never admin it and we never caught her doing it - it was 100% operator error. I think in my case she was doing a select all on her inbox via the mobile outlook app (one press) and deleting all selected (which is one more press) - either via user error or via an unlocked phone in her pocket or via her work ipad which was sat at home where she had multiple children who 'weren't allowed to touch it' - but I could see it live via MDM. I spent about 4 hours the first day moving them back about 10k emails at a time via desktop outlook while also doing actual work. Then it happened again the day after and I made a junior technician sit there and move them back and it took him all day long. I also unauthorised her phone and ipad in o365 "for security" and made her stay like this for the rest of the week and just use outlook on her laptop and somehow then the issue never happened again... meatpimp posted:Mortgage chat -- I refi'd in 2017, 15 year at 2.875. I've been paying it off for about a 9 year end point. At this point, I've paid it down so much that mortgage interest isn't enough to itemize anymore. It's hard, and going to get harder, to keep from just paying it off directly and being mortgage free. But it's still too much of an outlay to comfortably do that. Assuming you're not in negative equity or sitting on a house with a risky value just pay a lump off your mortgage (within any overpayment limits). You don't have to pay the whole mortgage off just reduce it a bit. knocking $20k off your mortgage will probably reduce the monthly interest by $40 vs the $8/month or whatever that amount earns you in the bank. I chucked most of my savings at my mortgage (which was at about 4%) at the start of covid following this logic because it got my monthly expenses down as far as possible to deal with a minimal monthly income. I figure that if i need the money back in the future I'll just re-mortgage the house to get it.
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Feb 25, 2021 20:50
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StormDrain posted:
What about if the firmware driving it is fucky, is there a reflash or an update of some kind
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Feb 25, 2021 20:52
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Krakkles posted:I've literally spent my entire adult life worrying that if one of many particular things completely outside my control goes wrong, it will all fall apart. i get that we live in some ways in a unique hell world but isn't this true of pretty much every living person in every era of human history?
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Feb 25, 2021 20:54
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redgubbinz posted:What about if the firmware driving it is fucky, is there a reflash or an update of some kind The manufacturer stopped doing updates 20+ years ago
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Feb 25, 2021 20:57
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redgubbinz posted:What about if the firmware driving it is fucky, is there a reflash or an update of some kind You can do all the maintenence, detailing, use only top tier gasoline and oil, but at the end of the day, it may still be a PT Cruiser. And it's been out of warranty for some time. Perhaps if you had been born into a Miata, you could get some good aftermarket support. For what it's worth, all cars are bad. I think I'm in a a saggy camry right now. Still works, was better, was never that great. The best I ever was was probably a mid level challenger. Desirable, good looks, not the top performer or most popular.
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Feb 25, 2021 21:06
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Kivi posted:Any tips on re: where to buy 3U or 4U rack mountable case for generic hardware? EU preferred, as shipping with something like this is quite steep. It depends on what you're trying to rack. Server enclosures are much deeper than switch enclosures which are about the same size or maybe a little deeper than pro audio enclosures. I say just buy rails and build your own enclosure out of wood unless you want to spend a ton of money. https://www.amazon.com/NavePoint-Vertical-Rack-Hardware-Black/dp/B07NKH8PJZ/ There aren't really any 4u server enclosures and the small switch enclosures are overpriced for what they are. So guys I just did a quick run through of my taxes on HRblock and it says I owe $15k WHAT??? I haven't really added anything except our W2's so I'm not done yet but how the gently caress is that possible? Even with the Fed increasing the amount of underwithholding and my raise last year I just expected to only get a few hundred bucks back. Last year I got a $4k check. WHAT THE gently caress I AM FREAKING OUT NOW. GnarlyCharlie4u fucked around with this message at 21:33 on Feb 25, 2021 |
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Feb 25, 2021 21:29
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StormDrain posted:I actually meant a house for me, a la the 2008 collapse, but it could be a car or a pile of gold or guns or buckets of freeze dried food or a really nice rock. KYOON GRIFFEY JR posted:i get that we live in some ways in a unique hell world but isn't this true of pretty much every living person in every era of human history? Bill Gates and Jeff Bezos don't have to worry about losing their sole residence as StormDrain does, and StormDrain doesn't necessarily - although as he alluded to, it's far from guaranteed either - have to worry about finding a way to pay rent until the day he dies, or hoping to leave anything at all to his children. Unless by "pretty much every", you mean except the 1%, in which case, carry on, but also, I think people should care about inequality. NitroSpazzz posted:Wife used to ask why I was so safe with money and kept so much in savings...then we had Winter 2019 and 15k+ in medical bills and associated poo poo. Now she understands and has even started to be better with her savings. Bodies are a massive liability, if yours is working properly be thankful.  I've had a more limited time on this earth than most hanging over my head since I was 11, I'm very thankful for what I have had, and incredibly angry about how others have chosen to make it harder. (mostly: healthcare loving suuuuucks)
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Feb 25, 2021 21:30
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Krakkles posted:I was trying to be sarcastic, but: I know what a main asset is, and the fact is my only "main asset" is the fact that I can work 60-80 hours a week and have been for the last couple decades. Not everyone has a main asset in the sense you mean, and while I appreciate the unique duress that can cause, it's pretty definitely worse to know that you're unlikely to even get to that point. That being said, I doubt that getting to that point is going to make it much better, either. You and I would get along. I wasn't sure if you were sarcastic or not and I nearly didn't post but I have an addiction and just post. I consider myself lucky to be where I am today and I have to be conscious that not everyone is. I tried to reflect that with having non house items on there, because in a hardship I think we all have something we can jettison to stay afloat. Really though, nobody should have to worry about everything falling apart and a sudden and drastic life change. You're wise to know about it and a fool to obsess over it. (you're not a fool we love you). I almost posted a lot more but tbh I don't need to be heard and I don't expect many of you need it!
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Feb 25, 2021 21:44
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Krakkles posted:Unless by "pretty much every", you mean except the 1%, in which case, carry on, but also, I think people should care about inequality. Yeah that's pretty much it. You look throughout human history and every individual except the super elite has always been teetering on the brink. Not saying we shouldn't do anything about it, but I think there's this idea that somehow everything is worse, and it's not really, it's just still as bad as it always was. The Long Postwar for white American males was an aberration.
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Feb 25, 2021 21:46
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builds character posted:Just in time for summer dirt bikes?
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Feb 25, 2021 21:53
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Kivi posted:Any tips on re: where to buy 3U or 4U rack mountable case for generic hardware? EU preferred, as shipping with something like this is quite steep. Is Chenbro a brand available in the EU? https://www.newegg.com/chenbro-rm42300-f/p/N82E16811123153 Silverstone has this: https://www.silverstonetek.com/product.php?pid=921&area=en Coredump fucked around with this message at 21:57 on Feb 25, 2021 |
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Feb 25, 2021 21:54
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Coredump posted:Silverstone has this: https://www.silverstonetek.com/product.php?pid=921&area=en oh I'm an idiot and totally misunderstood the question. I thought he was looking for a 3-4u rack!
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Feb 25, 2021 21:59
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GnarlyCharlie4u posted:It depends on what you're trying to rack. Server enclosures are much deeper than switch enclosures which are about the same size or maybe a little deeper than pro audio enclosures. Did something get double counted, or something else left off entirely? That sounds like a field didn't get populated correctly.
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Feb 25, 2021 22:01
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This certainly doesn't explain that, but could be part of it: Wasn't the "stimulus" basically a loan against next (read: 2021) year's tax refunds?StormDrain posted:You and I would get along. I wasn't sure if you were sarcastic or not and I nearly didn't post but I have an addiction and just post. I think we do! You're one of the posters I like more than average.I mean, I have to obsess over it, though. There's a $10k device with $xx,xxx worth of yearly supplies and medications attached to my body, and if I hadn't obsessed over it for the last quarter century, it wouldn't be, and I'll die a lot sooner. As it stands, someone could still wake up tomorrow and decide it's going away. Frustratingly, my older brother hasn't had (or needed, apparently) health insurance for many years, and doesn't get why I worry about it so much. That, in a nutshell, is why people happily throw away healthcare security ... enough people think "why would I pay for a scam like health insurance? I've never used it!". Full transparency, fine, yes, I could sell my Jeep, so technically that is a major asset. I can't see myself ever stomaching it at all, but yeah, if push came to shove, that might give me an infusion of cash. Not much, though ... I might have a price in mind that I would consider it at, but I don't know of many people that would pay it, so realistically it wouldn't pay rent for more than a couple months, at best. KYOON GRIFFEY JR posted:Yeah that's pretty much it. You look throughout human history and every individual except the super elite has always been teetering on the brink. Krakkles fucked around with this message at 22:26 on Feb 25, 2021 |
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Feb 25, 2021 22:03
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GnarlyCharlie4u posted:
Did you do everything start to finish? I'm TurboTax it does this great thing where it gets worse before it gets better, like until you progress through deductions I owe a few grand. gently caress I need to sit down and do mine too.
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Feb 25, 2021 22:05
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GnarlyCharlie4u posted:oh I'm an idiot and totally misunderstood the question. I thought he was looking for a 3-4u rack! Sounds like something I would do.
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Feb 25, 2021 22:14
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STR posted:Welp, rent's going up by $54/month. And some monthly fees are increasing too, so it's more like $70/mo. That's not that much overall, but seeing as they're advertising my floorplan for less than I'm currently paying.... Someone schooled me on paying for a storage space once: the thing you have to ask yourself here is: is there anything in that storage that I couldn't replace for $100 x however long it has been/will be in storage. Sentimental items excluded, of course (but only if they are actually valuable to you.) Things like clothes, ordinary furniture (not heirloom, collectable, or whatever,) common Marie Kondo that poo poo if you can. Krakkles posted:and incredibly angry about how others have chosen to make it harder. (mostly: healthcare loving suuuuucks) Yes. I don't have many health issues, but my wife has had and does. Both of our insurances suck, and frankly, shouldn't be necessary in a First-World country.
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Feb 25, 2021 22:19
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OTOH I have well over 800 sq ft, which is a pretty generous size for a 1 bedroom apartment. The kitchen is nice and big too, not a galley kitchen. I really don't want to move yet again either, and "non refundable pet deposits" can eat a bag of microdicks.
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StormDrain posted:My old work neighbor Matt told a story where he saw his coworker get chewed out brutally by an rear end in a top hat boss. The coworker just took it and got back to work. Matt asked wtf are you OK, and the guy says he needs the job desperately so what can he do? Just go back to work. Matt decided from then on he wanted enough financial independence that h the could tell someone to gently caress off and walk off. So I took that advice to heart. I am not there yet, and with Covid even my best attempt would have fallen short since it seems to take forever to get a new job. Yeah, literally a "gently caress-off" fund. Mine is my potential house deposit too though, so it's not quite as fuckoffy as i'd like. meltie fucked around with this message at 22:34 on Feb 25, 2021 |
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Feb 25, 2021 22:28
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re: taxes, I just did a prelim run through with just the W2's and didn't include anything else like mortgage and interest income and so on... but we are claiming standard deduction anyway so most of that will only increase the amount that I owe. I did a quick calc and the amount that I supposedly owe is just under what my effective tax rate is so something is definitely fucky there. I can't find what it is though... but it can't be correct because I have definitely paid more than what my effective tax rate shows. I don't claim any deductions and I withhold extra specifically to avoid this sort of crisis.
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Feb 25, 2021 22:42
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GnarlyCharlie4u posted:It depends on what you're trying to rack. Server enclosures are much deeper than switch enclosures which are about the same size or maybe a little deeper than pro audio enclosures. This seems improbable unless you dramatically changed your withholding. Sometimes this happens like you get to choose the number of allowances and you accidentally mark down 35 instead of 2. Otherwise, sounds like some kind of error. Did your actual dollar amount withheld change a lot from last year (including proportional amounts from your raise)? Safety Dance posted:Let me work my way up to springtime bicycles before I commit to summer dirtbikes. You're in NJ, right? I'm hoping to ride the D&R Canal trail once I'm a little more mobile. Queens. I just like riding in the pine barrens a lot.
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Feb 25, 2021 22:45
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Krakkles posted:I've had a more limited time on this earth than most hanging over my head since I was 11, I'm very thankful for what I have had, and incredibly angry about how others have chosen to make it harder. (mostly: healthcare loving suuuuucks)  We're planning on sitting down to do out taxes this weekend. Shouldn't owe too bad this year, wife went back to school and we had large medical expenses. Yet every year doing taxes stresses me out bad for no good reason.
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Feb 25, 2021 22:58
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Darchangel posted:How are you doing that? ADB to USB adapter?
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Feb 25, 2021 23:01
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builds character posted:This seems improbable unless you dramatically changed your withholding. Sometimes this happens like you get to choose the number of allowances and you accidentally mark down 35 instead of 2. Otherwise, sounds like some kind of error. Did your actual dollar amount withheld change a lot from last year (including proportional amounts from your raise)? My withholdings went up proportional to my income but I did not withhold any additional amount beyond the extra withholdings I had specified the year prior. My deductions on my incomplete 2020 taxes are about $4000 lower than in 2019 and my AGI is about $10k more, but for some reason HR Block seems to think I owe more than double what I owe last year somehow. I can't seem to find any discrepancies in the W2's so I think I'm just gonna nuke the process and start over because at this point I should just be breaking even.
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Feb 25, 2021 23:05
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builds character posted:My two cents - you can make this decision based on math which I think will almost certainly have you borrowing at the very low mortgage rate and investing at the much higher stock market rate and making the spread. Or you can make it based on what will make you happiest. Which, it sounds like, is having no mortgage as fast as you can. There is absolutely value in "piece of mind" knowing you do not have that debt hanging over your head. Sure, you can invest those funds and it shouldn't be hard to make a higher return than interest on the mortgage since it's so low, BUT, the flip side paying off that mortgage is guaranteed equivalent return. There is something to be said that if something disastrous happens to your family, you don't have to liquidate investments or ~whatever~ to pay the bills or make ends meet. My wife was recently laid off, which is an absolutely foreign feeling for either of us. We have worked our entire adult lives save during school, and even then worked doing something. But, I have almost zero fucks to give. Our house is paid off, we're debt free other than yearly expenses like insurance and property taxes and normal expenses like utilities and enough in the bank for, well, years worth of those kinds of expenses... and I'm still working doing OK so  Could we have been further ahead if we didn't pay off our mortgage early and invested the money? Almost certainly, but being in debt loving sucks and I don't like anyone having a lien on anything I own and there is value to that mentally, for us at least. Not trying to make this a  post, far from it, but just echoing that it might not be a simple math problem for everyone. A lot of mental value to it as well.
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Feb 25, 2021 23:17
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StormDrain posted:You can do all the maintenence, detailing, use only top tier gasoline and oil, but at the end of the day, it may still be a PT Cruiser. And it's been out of warranty for some time. I'm a French car through and through. Crappy electrics, questionable plumbing, frame made of cheese. Tries to poo poo itself regularly. When it all works its great, though that's rare as gently caress. Krakkles posted:Hey, same! Do you also have that ever-present existential dread that you might someday not be able to keep up? Only when trying to find a piece of poo poo junk class land to buy. Otherwise? I don't try to keep up. My "assets" aren't worth anything in the grand scheme of things, and I've never had a decent job for any length of time outside of my own small businesses. I started with fuckall and still have most of that left. Historically the men in the family don't live much over 60. Partly diet or drinking, partly poo poo tier genetics. I don't expect to see retirement or old age. Time is ultra loving precious. What works today is guaranteed to be broken tomorrow. Have I mentioned how much it costs in America to keep an old French vehicle running? I invest in skills and education. loving billionaires or the system can't take that away. I lived in a bus 10 years ago because the American dream is unattainable bullshit, and I live on the back of a 30 year old Ford truck now for some of the same reasons. Going out and buying a fancy house and nice cars isn't in the cards for me, I am fine with this. I applaud those that are willing to endure it. cursedshitbox fucked around with this message at 23:44 on Feb 25, 2021 |
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Feb 25, 2021 23:23
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meltie posted:Yeah, literally a "gently caress-off" fund. Mine is my potential house deposit too though, so it's not quite as fuckoffy as i'd like. Same. Sucks that home prices here have gone up by 30% since 2018 when we started saving in earnest so we're no closer to buying something. At least if we both get laid off we can move somewhere completely dire and shitpost for 2-3 years before we run out of cash
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Feb 25, 2021 23:36
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Boys who love boys
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cursedshitbox posted:Going out and buying a fancy house and nice cars isn't in the cards for me, I am fine with this. I applaud those that are willing to endure it. We've been very, very fortunate the last few years to have good income and be able to set aside money, have a good house, AND pursue our hobbies, and put some money away for problems, the last 4 years were....bad for my anxiety and depression, but it feels like things are getting slightly better.
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Feb 25, 2021 23:46
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monsterzero posted:Same. Sucks that home prices here have gone up by 30% since 2018 when we started saving in earnest so we're no closer to buying something. At least if we both get laid off we can move somewhere completely dire and shitpost for 2-3 years before we run out of cash Yes, it's becoming more of a "gently caress off to the woods and build an a-frame shed" fund at this point tbh. It would help if I could stop buying bicycles.
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Feb 25, 2021 23:47
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monsterzero posted:Same. Sucks that home prices here have gone up by 30% since 2018 when we started saving in earnest so we're no closer to buying something. At least if we both get laid off we can move somewhere completely dire and shitpost for 2-3 years before we run out of cash The "gently caress-off" fund is a loving excellent read. Live well below your means and always carry a gently caress Off Fund. We're slowly burning through part of ours that my spouse and I have built up over the last 5 years of collectively feeding our hands and minds into the machine that is late stage capitalism. This is a break that's much deserved. Pretty loving sad that 100k can barely get you a burnt out trailer in racist as gently caress bumfuckistan with zero services outside of some hick with a self-serve-gently caress-anybody-that-walks-in service station. I just want a few acres where it's arid with a well, septic tank so that I can throw a 1500sq-ft shop and a 500sq-ft house on. Even that is too much to ask for. poo poo, for the same money I could sell it all off, grab a backpack, laptop, and go be an ex-pat for the rest of my short time on this rock. CommieGIR posted:We've been very, very fortunate the last few years to have good income and be able to set aside money, have a good house, AND pursue our hobbies, and put some money away for problems, the last 4 years were....bad for my anxiety and depression, but it feels like things are getting slightly better.  The last few years were hell. Next time I'm going to plan a little better. That's good that you're getting back into hobbies and putting some coin away for a "jesus gently caress here we go again" fund.
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Feb 25, 2021 23:52
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builds character posted:Or you can make it based on what will make you happiest. Which, it sounds like, is having no mortgage as fast as you can.
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Feb 26, 2021 00:04
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Good for you man.
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Feb 26, 2021 01:30
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My wife talked me into the kitchen renovation saying we'll be fine money wise but it's taking a good size chunk out of our savings and a few times during this whole process I've had buyer's remorse to the point of anxiety. But then other days I think it's good we're doing it because we spend so much time in the kitchen and it will be nice to have a new one. I've always been a minimalist so it's always easy for me to argue that we don't really need stuff like a new kitchen, but my wife works her rear end off so who am I to tell her she can't have it. She has a great job that pays well and is getting ready to take over as the head accountant so she'll be getting a huge raise, but of course that could all go to poo poo for whatever reason, like was said job security these days is a joke. It's just hard not to worry sometimes, I try not to, sometimes you just gotta roll with it and do stuff that makes you happy.
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Feb 26, 2021 01:32
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tetrapyloctomy posted:Apropos of nothing: any homeowners in here who have not refinanced, do it now. I talked to a broker yesterday who said rates started to climb back up. I can still get 2.875% on a thirty-year and 2.625% on a twenty-year through him, and better.com has 2.25% on a fifteen-year. (All no points.) I'm torn: I would love to pay off the house. But here's the thing: Interesting this happened. Three or so weeks ago I woke up and told my wife ‘we need to refinance the house’. We’re 7 years into our 30 year at a 3.5% rate (plus whatever the little points are so like 3.7? Effective rate). Contacted our broker friend and said ‘I think we should refi. The goal is to pay off the house. No cash out. He said the best would be to go for the 2.25/15 which is what I did. My payment goes up a little bit but I have a few things in my favor: A ton of equity even if the bottom falls out (somehow my home has doubled in value in less than eight years? Surely that bubble will never pop) In a desirable area and neighborhood and a marketable style/layout/appointments. I know I could do all I could to lower my payment and invest etc etc. but I just hate owing money on the house. I want to know what having that debt gone feels like. Then I can invest 100% of my money outside of monthly living expenses which would be a small percentage. I’ve got youth on my side too. I just hate the debt.
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Feb 26, 2021 01:36
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Somewhat Heroic posted:Interesting this happened. Three or so weeks ago I woke up and told my wife ‘we need to refinance the house’. We’re 7 years into our 30 year at a 3.5% rate (plus whatever the little points are so like 3.7? Effective rate). Hey there, seven year mortgage bud! Eight years in May.
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Feb 26, 2021 02:10
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cursedshitbox posted:I don't try to keep up. 
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Feb 26, 2021 02:15
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StormDrain posted:You can do all the maintenence, detailing, use only top tier gasoline and oil, but at the end of the day, it may still be a PT Cruiser. And it's been out of warranty for some time. I tend to think of mine as an old Jeep. It keeps working despite how it complains, but it's been rode hard, put away wet, and the suspension's rebuilt with dodgy chinesium spares.
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Feb 26, 2021 04:12
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I've got a request for STR and some of the other Dallas area goons: can you recommend a place there that specializes in selling used passenger vans, or at least a good place to look for a used 8/9 passenger (or more) van? Some old friends from college who lived in Myanmar until last month had to flee the country because of the recent political unrest, and they left with like 2 suitcases and their 6 small children. They are currently in the metroplex with some extended family. Five of the kids would need to be in a car seat under the laws here, so I don't think a regular minivan would work. I know some of those older 15-passenger ford/dodge vans had some crash safety issues, but, maybe the Nissan fullsize van or the Transit, something like that which has 4 rows. It doesn't have to be luxurious, just not something that's going to get them killed, that's all.
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Feb 26, 2021 04:41
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cursedshitbox posted:The "gently caress-off" fund is a loving excellent read. Live well below your means and always carry a gently caress Off Fund. This is pretty much where I'm at in life. I really want to buy something, but man, everything is so expensive now. I suppose I should be happy to be living in the PNW, but man, its so taxing to be up here. I never thought I'd be homesick for FL, but man, after seeing what 400K buys you here, and what 400K buys you there, its a bit of an eye opener. Like, 500K buys you half a burnt out shack here. It's just a shame that wages are such dogshit there. Like, I'd never be making the kind of money I'm making now, in this career path. Even if I do feel like I'm starting to get burnt out in my current position. I dunno, I guess I could always take my plan to run my own business and set up shop there too. That's pretty much the only way I could see making any kind of living wage and owning a house pretty much anywhere.
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Feb 26, 2021 05:11
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There's lots of blue collar jobs in the midwest/great lakes states that pay a living wage if you're willing to work off shifts. I went from my $18K/yr retail gig to making nearly triple that with zero experience in this industry. And yeah LOL INDIANA but as I said before, the rest of this country has shown it's every bit as bad and racist. The cost of living here is extremely low and houses can still be affordable here.
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Feb 26, 2021 05:46
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