October 2019 15k SPAM Thread

[MadamPirate PE]

spamspamspamspamspamspamspamspamspam

Eta: ooh, tops!

 

[LyceeFruit PE]

Did you fix it?

If not, stop spamming and fix it

I'm looking at fixing it right now! My company has a paycheck modelling thing so I'm playing with that right now 

 

[MadamPirate PE]

spamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspamspam

 

[phillstill]

Another general tip: when you get a raise, put the added income into some kind of retirement or long term savings account (401k, IRA, etc). Psychologically you can't miss what you never had. You'll thank yourself later. Obviously only do this if you can afford it.

Another general tip: Don't buy a new car. Pay cash for a used reliable car, carry the minimum required insurance and save a ton of money. 

 

[RBHeadge PE]

It's going up to $19,500 in 2020. So $750 /pp

I should be getting an email from HR or the front office about that soon, reminding (us the collective employees) to make the adjustment. It lags about a month (two pay periods) before the changes are made

 

[LyceeFruit PE]

Another general tip: Don't buy a new car. Pay cash for a used reliable car, carry the minimum required insurance and save a ton of money. 

 I bought a new car in 2014, to replace my hand-me-down car. But I paid it off like 18 months ago and will keep it til 200k miles

 

[MadamPirate PE]

Some day I'll be able to afford to save more than 6% a check...

 

[LyceeFruit PE]

Spoiler alert: our paycheck modelling system doesn't work. Not terribly surprised -____-

 

[Will.I.Am PE]

Obviously only do this if you can afford it.

:bawling: ldman: :mf_Flush:

 

[JayKay PE]

quoting for emphasis

lusone:

And this isn't even talking about the mega backdoor roths, which I will never get to on my single income, but they're just fun to think about!

Right now I'm trying to figure out if I want to touch my Vanguard money (convert my mutual funds into ETFs), but I don't feel comfortable enough with that and I might give them a call in a little bit since I kicked the adviser to the curb since they were just reinvesting things.  Also need to finish my Fidelity rollover from my other job...I am just really lazy.

 

[Will.I.Am PE]

used reliable car

*Squinty Eyes*

 

[JayKay PE]

Another general tip: Don't buy a new car. Pay cash for a used reliable car, carry the minimum required insurance and save a ton of money. 

Depends.  I had a job that required me to have a specific amount of insurance on my car (100/300/100) and my old clunker died right after.  I bought a new car because I tend to keep my cars until they die, like 275k miles and over.  A new car is something you can afford if you know you're not going to sell/will be using it/don't mind depreciation.

 

[phillstill]

 I bought a new car in 2014, to replace my hand-me-down car. But I paid it off like 18 months ago and will keep it til 200k miles

Keep it longer if you can. All three of my vehicles have over 200k miles on them. I do all the maintenance myself. I expect my daily driver to last at least 400k. I was hoping my SUV would last 400k, but having more kids means I might have to get a bigger SUV soon. 

 

[Will.I.Am PE]

30 hit and I feel like I'm not adult-y enough

I hit 31 this summer, and I'm feeling way too adult-y.

 

[MadamPirate PE]

I hit 31 this summer, and I'm feeling way too adult-y.

I'll be 34 next week. Very adulty.

 

[JayKay PE]

I hit 31 this summer, and I'm feeling way too adult-y.

I hit 31 this September and I am a half-adult.  Really adulty in some things, not adulty enough in others.  A half-baked adult.  I need more time in the oven.

 

[LyceeFruit PE]

Keep it longer if you can. All three of my vehicles have over 200k miles on them. I do all the maintenance myself. I expect my daily driver to last at least 400k. I was hoping my SUV would last 400k, but having more kids means I might have to get a bigger SUV soon. 

The plan is *at least* 200k but I'm coastal and the ocean plus road salt can eat away at cars here.

I traded in a 2002 with 198k to get this one 

 

[LyceeFruit PE]

I hit 31 this September and I am a half-adult.  Really adulty in some things, not adulty enough in others.  A half-baked adult.  I need more time in the oven.

same

 

[JayKay PE]

Some day I'll be able to afford to save more than 6% a check...

Dude.  The fact that you're even putting in money is amazing!  I'm sitting on 6% as well, due to a bunch of debt that I want to get more of a handle on before I even attempt to raise that number.  Retirement planning is a wild horse that is different for every person.  It also depends on where you might be living, what you're making right now, and all these other variables.  The fact you're thinking about it and putting money away is way better than some people I know, who are in their 40/50s and don't have any money in their 401k.

 

[RBHeadge PE]

Spoiler alert: our paycheck modelling system doesn't work. Not terribly surprised -____-

Just eyeball it. If you think you can afford X dollars less a paycheck, then add X dollars to your 401k. In reality the change in take home will be less than X because of the tax stuff, but it's close enough. In this case X<750, so were not talking huge numbers that require detailed accounting gimmicks.