PebHmong Discussion Forum
General Category => General Discussion => Topic started by: flint-rod on May 30, 2019, 03:24:54 PM
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parents and minimize your debt..." not all of us have the luxury of moving back in with our parents... lol!
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Yep, agree that it's not good advice ... as I was taught how to support myself when out of the nest and/or contribute to the family, and not leech off others from a young age.
UNLESS, you have parents like YAX where he doesn't care if his kids abuse him and don't respect him, he'll still create enabling behaviors...by allowing them to leech off of him..
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There used to be a time when you were all under the same roof because you supported your parents while they helped watch your young children.
Nowadays, it's either:
- grown kids and their family leeching off parents.
or
- aging parents are abandoned by grown kids.
But there are incidents of parents who leech off kids, grand kids, and don't want to play their role as grandparents.
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Does this count if, your parents moved in with you?
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parents and minimize your debt..." not all of us have the luxury of moving back in with our parents... lol!
Bro, you hurting?? $$$$
I told you
You are on a teacher salary
Shouldn’t be buying iPhone and iwatch
Nike shoes
And $200 sunglasses
Or $300 st croix fishing pole
Can’t even catch fish with it
Need to cut back on your expenses
Might even downsize your house
And move to an apartment
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Bro, you hurting?? $$$$
I told you
You are on a teacher salary
Shouldn’t be buying iPhone and iwatch
Nike shoes
And $200 sunglasses
Or $300 st croix fishing pole
Can’t even catch fish with it
Need to cut back on your expenses
Might even downsize your house
And move to an apartment
hurting for cash...? not the least bit... i read somewhere someone suggested moving back in with parents to save money... i just thought that was bad advice because our parents aren't always going to be there for us... what's worse is if you're a parent yourself moving back in with your parents because you aren't responsible enough to manage your own finances... lol!
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hurting for cash...? not the least bit... i read somewhere someone suggested moving back in with parents to save money... i just thought that was bad advice because our parents aren't always going to be there for us... what's worse is if you're a parent yourself moving back in with your parents because you aren't responsible enough to manage your own finances... lol!
bro,
no need to lie, man
we all got TV
we see those denver teacher strike, it's on NATIONAL NEWS
you are on a teacher salary, it's not a secret how much you making
(https://www.cpr.org/sites/default/files/styles/full-width/public/images/20190211-teachers-capitol-29.jpg?itok=70sb3TdG)
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bro,
no need to lie, man
we all got TV
we see those denver teacher strike
you are on a teacher salary, it's not a secret how much you making
(https://www.cpr.org/sites/default/files/styles/full-width/public/images/20190211-teachers-capitol-29.jpg?itok=70sb3TdG)
true my salary is public information but i live within my means... hmgrock, im 40 yrs old... it took me time to accumulate my wealth but if i showed you my 410k along with all of my investments and savings... you'd be blown away by how much i have... that doesn't include my home... that's why in my later yrs... i'm going to splurge a little just incase i die... then all this accumulate wealth will go to waste... lol!
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true my salary is public information but i live within my means... hmgrock, im 40 yrs old... it took me time to accumulate my wealth but if i showed you my 410k along with all of my investments and savings... you'd be blown away by how much i have... that doesn't include my home... that's why in my later yrs... i'm going to splurge a little just incase i die... then all this accumulate wealth will go to waste... lol!
bro,
i thought you public worker usually takes the PENSION plan over the 401k
you sure, you know what you are talking about
i used to do financial work (accounting)
my advice to you is
to
1. downsize, sell your house
2. get a cheap 1-2 bedroom apartment for $400-500
if you don't want to move back with your parent
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again with the houses
it's call UNREALIZED LOSES/GAIN
you can give your house any value you want
above the market price or below
shoot you can even say your house is worth $2 million (hahahaha)
but until you sell it for $2 million
it is UNREALIZED LOSES/GAINS
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hurting for cash...? not the least bit... i read somewhere someone suggested moving back in with parents to save money... i just thought that was bad advice because our parents aren't always going to be there for us... what's worse is if you're a parent yourself moving back in with your parents because you aren't responsible enough to manage your own finances... lol!
Can't expect someone that lives in his "mommy's basement" to grasp that flint.. ;D
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The key to life is to live with your rents as long as you can while reaching for that goals of one day, you will spread your wings and fly.
My kids are not going to live with me while glue to their video games by the way. Unless their games are a source off income. Like a CEO, I need quarterly results cuz papa is going to turn you into a real man with your own cot dayam problems and responsibiliti es. Without it, you will never grow.
Don't wait till the going gets tough to hit you in the face. Then again, it is also a must so you can have that life experiences to preach to your own kids.
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Lol
How is my thread and comments getting ban and delete
Too funny
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bro,
i thought you public worker usually takes the PENSION plan over the 401k
you sure, you know what you are talking about
i used to do financial work (accounting)
my advice to you is
to
1. downsize, sell your house
2. get a cheap 1-2 bedroom apartment for $400-500
if you don't want to move back with your parent
that's your misunderstandi ng... i have a pension which my employer matches up to 7 percent... i also have a 401k which i contribute 10 percent to... lastly, i have a term and whole life insurance policy which will buffer my income once i retire if my 401k should perform poorly... my pension will pay me the average of my 3 highest pay because i don't pay social security...
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also a 1-2 bedroom in denver ranges from 1500 to 2200 per month... my mortgage is 900 per month... lol!
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Those MLM companies...I know a few people who did it and tried to convince others to buy in the bs, too. Less than a year later, they're still financially struggling and are now left with junk.
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again with the houses
it's call UNREALIZED LOSES/GAIN
you can give your house any value you want
above the market price or below
shoot you can even say your house is worth $2 million (hahahaha)
but until you sell it for $2 million
it is UNREALIZED LOSES/GAINS
You do understand that a gain is a gain, whether realized or not? In addition, if you really understood Accounting and/or Finance, you would also understand that there are other aspects that come into play when calculating “net” worth.
Carry on..... ;D
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You do understand that a gain is a gain, whether realized or not? In addition, if you really understood Accounting and/or Finance, you would also understand that there are other aspects that come into play when calculating “net” worth.
Carry on..... ;D
hmgrock sounds self educated... lol!
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My family of 6 recently moved in with my parents 9 month ago. We all share a 3 bedroom house.Top reason is to pay off bills, and save to buy a house. I'm from Cali so it is extremely expense. My parents only need me to help out with $600/month for all bills. Rent in my neighborhood is averaging $2,000/month. Average home that i would like, $400,000. My wife and i have professional level jobs. We are house hacking right now and following Dave Ramsey's saying, " Live like no one else today, we can live like no one else tomorrow. "
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My family of 6 recently moved in with my parents 9 month ago. We all share a 3 bedroom house.Top reason is to pay off bills, and save to buy a house. I'm from Cali so it is extremely expense. My parents only need me to help out with $600/month for all bills. Rent in my neighborhood is averaging $2,000/month. Average home that i would like, $400,000. My wife and i have professional level jobs. We are house hacking right now and following Dave Ramsey's saying, " Live like no one else today, we can live like no one else tomorrow. "
no disrespect but as "professionals" you sound like you have money management issues...
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My mom is 70. Single/widow and living with me. I will quit my job, take her in and care for her as she did with me before I let people pass judgment on me.
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You do understand that a gain is a gain, whether realized or not? In addition, if you really understood Accounting and/or Finance, you would also understand that there are other aspects that come into play when calculating “net” worth.
Carry on..... ;D
a GAIN IS NOT A GAIN
cash is king
you can built a $50k house and say it's worth $500k
but until you sell it for $500k
it's UNREALIZED
just like these tin can for $1k
give it any price tag you want
but until you actually sell it
(https://pbs.twimg.com/media/DOXw8BpUIAA_rVH.jpg)
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a GAIN IS NOT A GAIN
cash is king
you can built a $50k house and say it's worth $500k
but until you sell it for $500k
it's UNREALIZED
just like these tin can for $1k
give it any price tag you want
but until you actually sell it
You are missing parts to your equation and I don’t have the time nor patience to teach/inform you.......so you do you. ;D
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You are missing parts to your equation and I don’t have the time nor patience to teach/inform you.......so you do you. ;D
lol
we just talking here
relax, no need to get mad
just teaching some basic economic
you can give your house any price tag you want
shoot, don't stop at $2 million
go ahead.....
tell and lie to yourself, your house is worth $20 million :2funny: :2funny:
add that $20 million to your bank account
because A GAIN IS A GAIN RIGHT
that's why we call it
UNREALIZED wishful thinking
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lol... u can't just arbitrarily value your home... i mean you can but it doesn't mean a whole lot... the market does... for instance... the homes in my area have sold for 400k to 430k... the market dictates it... not me... lol!
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You do understand that a gain is a gain, whether realized or not? In addition, if you really understood Accounting and/or Finance, you would also understand that there are other aspects that come into play when calculating “net” worth.
Carry on..... ;D
OH YO... ;D ;D ;D
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just teaching some basic economic ...
;D ;D ;D ;D ;D ;D ;D ;D ;D ;D
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Yep, agree that it's not good advice ... as I was taught how to support myself when out of the nest and/or contribute to the family, and not leech off others from a young age.
UNLESS, you have parents like YAX where he doesn't care if his kids abuse him and don't respect him, he'll still create enabling behaviors...by allowing them to leech off of him..
There used to be a time when you were all under the same roof because you supported your parents while they helped watch your young children.
Nowadays, it's either:
- grown kids and their family leeching off parents.
or
- aging parents are abandoned by grown kids.
But there are incidents of parents who leech off kids, grand kids, and don't want to play their role as grandparents.
Great minds think alike and so do limited, stingy and (let's not forget) Selfish minds.
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lol... u can't just arbitrarily value your home... i mean you can but it doesn't mean a whole lot... the market does... for instance... the homes in my area have sold for 400k to 430k... the market dictates it... not me... lol!
Bro
Thats what I’ve been saying
Its call UNREALIZED GAIN/LOSES
Until you sell your house that you claim is worth $400k
Or $2 million
Or $20 million
Or whatever
Its is just that
Wishful thinking
CASH is king
Glad you learned something today
Trust me, my house they say its worth $200k. Too
I don’t even know if i can sell it for that price and whose going buy
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Great minds think alike and so do limited, stingy and (let's not forget) Selfish minds.
Ignorant "minds" that can't comprehend "think alike"..."so do" not being able to follow worthless words, due to a "Selfish" narrow ignorant "mind" that can't handle facts..like "ignore" and "I will stop reading what you write"..
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Bro
Thats what I’ve been saying
Its call UNREALIZED GAIN/LOSES
Until you sell your house that you claim is worth $400k
Or $2 million
Or $20 million
Or whatever
Its is just that
Wishful thinking
CASH is king
Glad you learned something today
Trust me, my house they say its worth $200k. Too
I don’t even know if i can sell it for that price and whose going buy
if you "don't know" then obviously it isn't worth 200k... i know i can sell my home for 400k... i have solicitors who keep texting me with offers to buy my home as is...
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if you "don't know" then obviously it isn't worth 200k... i know i can sell my home for 400k... i have solicitors who keep texting me with offers to buy my home as is...
We all get that spam text message/voicemail
Its just not you
Goes something like
“Me and friends are looking to purchase some homes in your area”
Something like that
Trust me
I know
We all get those spam
Glad you learned something today
Wait till the housing market crash again
Your so called $400k house will become $100k
And that’s. UNREALIZED LOSES
because you haven’t sell it at a lost/walk away
Everything is not final
Until that cash $$$$ show up on your bank account
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Trust me
;D ;D ;D ;D ;D
Wait till the housing market crash again
Your so called $400k house will become $100k
So first you claimed "UNREALIZED" but you know his house ***"will"*** become "$100k"??
Until that cash $$$$ show up on your bank account
Then how do you know his house ***"will"*** be "$100k" when "cash" hasn't even "show up" on his bank account yet??
OH THAT'S RIGHT, YOU'RE "the hmong Nostradamus and is always right"..?? ???