Wednesday New Year's Eve Eve Thread

[Kburjr]

Eh, it's not the worst thing in the world. I just keep to the 20/3/8 rule.

But I am going to try to pay myself "car payments" for future rides.

That model also works for home buying. Pay yourself the difference between renting and home ownership. Banks love seeing a history of ability to pay.

 

[Guy Incognito]

I have a more moderate stance on a car

If you need to take out an 8 year loan, you can't afford the car.

but I'm not a mizer that thinks you should buy an old civic and drive it until dies. But i made some mistakes with car purchases

I wasn't very savvy when I bought my first car. Probably got taken pretty good by the dealer on loan terms. The last two cars we bought were at .9% financing and 0% financing. Will have the second car paid off next year, and then hopefully we can go a few years before needing to replace one. And if I continue down the road of remote work, the second car will last us a pretty long time, since it basically only gets used when I go grocery shopping right now.

 

[redseat]

The openings in the area are on the low level. I could tell on the last interview they were looking for a teller or someone they could develop in an opening. They seemed scared off from my current salary. I don't think they did their due diligence before setting up the interview. I think they saw previous teller experience and skimmed over the loan processing above it. Plus it was a bigger bank in the area, and I came from a small town local bank where you did multiple jobs compared to one small role.

Sorry to hear that.. More practice interviewing though... Trying to see a silver lining... You never know they could still call you back later as something could open.. I am sure you left them with a good feeling about you

 

[basement bias]

Sorry to hear that.. More practice interviewing though... Trying to see a silver lining... You never know they could still call you back later as something could open.. I am sure you left them with a good feeling about you

Hoping so. Usually though, I will probably be about finished with a teaching degree and 4 banks or so will decide to call. That's how it always works.

 

[Kburjr]

Hoping so. Usually though, I will probably be about finished with a teaching degree and 4 banks or so will decide to call. That's how it always works.

That teaching degree will look good on a resume if the banks need a training manager.

 

[kobesgame]

Ive been sober most NYE. I don't really do anything or go anywhere, but have a few beers in the fridge

I probably won't even be until midngiht

NYE was always a big build up that never was as fun as you expected it to be. I like it a lot more now that we make a fun meal with the kids, play games, and watch movies. We have a couple cocktails and call it a night.

 

[kobesgame]

I have a theory. I see more and more people working on building new homes (as in builders hiring more workers). 15 guys instead of 5 now throwing up frames crazy fast. Like one every couple of weeks. Then 15 more guys swoop in to put in the electrical, lighting etc...

Builders are using more workers than ever in efforts to build (and sell) homes as FAST as possible. This means more workers getting paychecks in the name of speed.

Then ALL those extra costs are pushed into the home buyer.

It’s tough because this wouldn’t be happening if people weren’t buying them but if you wonder why the people get in debt up to their eye balls this is why.

And if they have a brand new house in a nice neighborhood, they don't want to pull up in their 2010 Explorer. So they buy two new cars, get brand new bikes, put up expensive decorations to show their new neighborhood friends, etc. etc.

Half of the client's I have that come into my office have insane amounts of debt for boats, rec vehicles, car loans, and unsecured debt.

 

[DJ Fieri]

And if they have a brand new house in a nice neighborhood, they don't want to pull up in their 2010 Explorer. So they buy two new cars, get brand new bikes, put up expensive decorations to show their new neighborhood friends, etc. etc.

Half of the client's I have that come into my office have insane amounts of debt for boats, rec vehicles, car loans, and unsecured debt.

People trying to keep up with the Jones'es..

 

[redseat]

Hoping so. Usually though, I will probably be about finished with a teaching degree and 4 banks or so will decide to call. That's how it always works.

Yes it is. This job I currently have I got the call out of the blue like 4 months after I interviewed saying I had job. I said, I will take it! Completely having no idea what I just said yes to.. Fortunately received email a few moments later saying what position was

 

[Me]

Ahh, Facebook memories. Two years ago I was in Philly, hooking up with an Australian chick I met online.

 

[DJ Fieri]

Ahh, Facebook memories. Two years ago I was in Philly, hooking up with an Australian chick I met online.

You lived there or visiting?

 

[MTVike]

NYE was always a big build up that never was as fun as you expected it to be. I like it a lot more now that we make a fun meal with the kids, play games, and watch movies. We have a couple cocktails and call it a night.

This.

Years ago, when single, there might be some fun kissing a hottie you weren't dating at midnight at a party.

 

[RobBase]

And if they have a brand new house in a nice neighborhood, they don't want to pull up in their 2010 Explorer. So they buy two new cars, get brand new bikes, put up expensive decorations to show their new neighborhood friends, etc. etc.

Half of the client's I have that come into my office have insane amounts of debt for boats, rec vehicles, car loans, and unsecured debt.

Absolutely true. It’s maddening. They have crazy high debt to income ratios, nothing in savings and little to no equity but I’m the asshole who won’t qualify them for a loan.

 

[RobBase]

Ahh, Facebook memories. Two years ago I was in Philly, hooking up with an Australian chick I met online.

How was she with recycling?

 

[Kburjr]

but I’m the asshole who won’t qualify them for a loan.

No, that's not it.

 

[RobBase]

Hoping so. Usually though, I will probably be about finished with a teaching degree and 4 banks or so will decide to call. That's how it always works.

If you put your info out on Lending Tree or some similar website that claims to “shop around for the best rate” for you - they’re just selling your info to us banks/creating our leads.

You’re better off filling out an online application online or calling a bank directly if you want to avoid the non stop sales calls.

 

[kobesgame]

My brother called last night. He was out ice fishing and fell on the ice while running over to check on a tip-up rod. Broke his leg Theismann-esque. Tibia and fibia snapped. Splint for now until the swelling goes down a bit, boot in a couple days, then surgery next Tuesday.

Said when he stood up and tried to take a step on it, he could feel his leg mush further down into his boot. *shudders*

 

[Me]

How was she with recycling?

Pretty good, I'd assume. Never got to that level

 

[Me]

You lived there or visiting?

She was visiting the US, and I met up with her

 

[olympicoscar]

Good morning good people. Raining like a mother out there. Wife doesn't want me to go out.

How bout them Longhorns? Texas wins another bowl game. I've already forgotten the name of the Bowl game. I mean who really cares. We still have the Cotton Bowl and the Rose Bowl game at Jerryworld, so lots of football is left. Really looking forward to Ohio State and Clemson.

Apparently I'm now allowed to get the virus shot, but I'll wait until the New Year. Supplies are supposedly low so it's not like I can just walk in. Need a reservation.

Thought for the day: It could be that your purpose in life is a warning to others?