I was iOS for a good number of years...first smart phone was an iPhone4, kept that until I got my Note 4. It’s taken me a while to get used to Android, and I’ve thought seriously about going back to iOS. For me?

My wife and I went, hell we still go through it. When buying our house we burned a huge chunk of retirement, and the second kid was unplanned - so while we can stay a float, we obviously want to replenish our retirement, put money back into our savings. Due to my early failings with credit, I’m pretty sharp on it now.…

Great read. The first one I’ll immediately take to heart, just thinking about it while reading it...I could just ‘feel’ the emotions when I read the word actually. I sat there trying to think of ‘OK’ scenerios, and there were a couple, but they were in such a minority that removing it all together just seems like a…

Being a landlord yes was ‘semi’-unique in how I got there, but the crux of it ‘preventing them from doing anything’ ties into the exact same thing as any other investment - do your research and make sure it makes sense for you. If buying a home means you can’t afford anything else, then that isn’t smart for you to do…

A follow up article on broker’s might be a good look....your description is how I see it “They are just trying to land a whale they can pork for all their cash like ‘Boiler Room’!”

Aye, my biggest thing has been a combination of starter cost and volatility. My spare cash funds are kept in the cigarette tray while dealing with daycare (one more year w/ 2!!!!!). I’ve looked into pennystocks, but the volatility and research that goes into makes it seem like...a joke is the wrong phrase, not…

uhm no, renting isn’t always cheaper. I won’t deny what can be made elsewhere with said capital, there is usually a better option - no argument at ALL.

No I don’t have to justify my purchase. Not at all. It was within our means and I’m happy with it. I’ve got no sour grapes short of yard work. The townhouse we are using as a rental? I don’t like the headache of dealing with it sometimes, but it is an investment that is paying off. When my son goes to school, we will…

But that boils down to my second point besides the actual use, buying a house as an investment, verse buying the house to live in. Those are two different things entirely. If you are buying a house to be an investment, you are going to make sure it financially makes sense, just like you would with any other form of…

Uhm, I take a big “NO” to the last point. Sure if we are talking strictly, the ‘cost’ of buying the property and then selling it - sure, but it completely negates the basic principle that you are LIVING THERE, you have to pay to live ‘somewhere’, its just how things work for 90% of individuals. It’s like comparing…

There are also ‘levels’ to habit. to me, its habitual when I feel guilty about not doing something I should be doing daily. Not like guilt because I’m supposed to do it, but guilt because it wasn’t done. For example working out, sure I’ll feel bad because I’m not working out, but its a different feeling when I’ve been…

I dunno. I’m approaching it from the other angle - the buyer, and the value of the house I bought a year and a half ago was predicated almost entirely on what else in the area sold, at what price point they sold, and what ‘major’ items are different (like a finished basement). The flooring in the basement added NO…

Oh, where I am now - every Monday we have a meeting that has those same feels, and when they let conversation about ‘details irrelevant to the masses’ become a topic, it drags the meeting out. My work (the schedule) is used to drive it and its good so long as its being driven, but let it take a single turn...

Autopilot! My wife didn’t understand why I did so much work in figuring out things like credit card payments and the such. I spent all the time upfront so that the ONLY reason I need to check my bank accounts is to verify that nothing ‘wonky’ or ‘evil’ has happened. Making a super granular budget is time consuming and…

The most important thing to me about a successful meeting...a purpose. If the meeting has a purpose and is focused on that purpose ALONE, then the right amount of time is spent on it. I never called for meetings to be “x” in length (might assume for scheduling purposes). When a meeting is focused on a singular point…

eh, you aren’t wrong per say, but the further up the food chain you go, often the longer between e-mails/memos that actually get read, simply due to the influx of e-mails. For me last year, “Inbox Zero” was a pipe dream, like a Dinosaur theme park where they don’t escape. If it’s important, not only is it better…

I like the slow cooker idea, its so versatile, and what’s great is you can load it up in the morning, go on your adventure, and then have dinner already ready instead of dropping $50+ to feed your family. I’m going out of town tomorrow, I might actually look into this heh #OBX

Fragrance. When the food smells good, other people comment and you feel better about it. This heavily favors left-overs that need to be re-heated. I avoid pre-made items and sandwiches as much as possible.

We did this, one thing...err...warning, just because ‘one’ of you gets approved for a certain amount, doesn’t mean you should buy ‘that much house’, your partner’s debt is still yours, and thus when calculating what you can afford, make sure to do the math with their debts still factored in.

I had a multi-pronged attack when I did retail.