I'm in an extremely fortunate position where my Mom, upon learning about current mortgage rates and why I haven't bought a house yet, wants to essentially be my bank to buy a house. As in, she wants to fund the house, put it in my name, and I pay her a reasonable down payment and pay a "mortgage" to her at 2-3%. So what would be...
This is generally known as "land contract/contract for deed". People do it all the time. As suggested in another comment, you should consult an attorney. If either you or your mom is hesitant to do that, you should ask yourself what happens to your house and mortgage if (God forbid) your mom were to die? Don't wait to find out. Get an attorney and make sure that it's all ironed out in advance.
Jobs that offer daily pay seem to be lower wage jobs
This is not a coincidence. This means that the employer has decided it's cheaper to incur whatever costs associated with processing daily payroll than it is to pay wages high enough that their employees don't care or have to care about getting paid every day.
It was majority employee-owned before the acquisition but is now majority owned by private equity firm. The main change I'm noticing is that everyone is being pressured to work uncompensated overtime (we're all on salary here) and requests for training/professional development have been all but eliminated. They also initially...
The strategy is to strip the company to the bones. Anything that can be sold will be sold (Buildings, furniture, IP). And if the company needs it to operate it will be leased back at a monthly rate. All cash this generates is pulled from the company to the PE firm. If they can they will saddle the company with a debt for the purchase of itself, so they can have the company not only pay that back, but with interest (a leveraged buyout). Some of these assets sold off can easily go to other subsidiaries of the same PE firm.. such as real estate. Assuring their long term profitability.
Add in "cry to any reporter that will listen that your business is 'failing'" and you have the Eddie Lampert (Sears/Kmart) strategy.
Edit: Resolved. Decorative brick is actually a chase and doesn't need to be completely filled in. Thanks to @Death_Equity for advice on rebuilding the crown....
Sorry, I suppose I should have clarified that. The right side is the "gap". Both flues are lined with clay tiles. The left flue is not visible in the picture.
I hadn't thought of it that way. I suppose the decorative brick could be just considered a chase. I haven't been able to find any similar examples so I wasn't quite sure what I was looking at.
That makes me feel better. There was no crown initially. The flue tiles terminated flush with the brick inside the chimney cap. The old cap made cleaning and inspecting the flues difficult. It also had a fair bit of water damage.
I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi....
I use Quicken Classic since our finances are too complex for YNAB or Simplifi. However, I think Quicken will give you a refund within the first 30 days if you don't like Simplifi.
Honestly, stuff that probably isn't an issue for most people. I needed a solution that handles personal and business accounting since my wife and I own a small businesses. I also like the fact that Quicken's reporting is a lot more "conventional" than pretty much any other other personal finance software. It doesn't take an act of God to produce a balance sheet, income, and cash flow statements.
Had a nice little foundation leak during the last rain storm. Installed a drain line last fall to divert two downspouts and front walkway run off away from the house which helped a lot....
Our house was built by idiots so it doesn't have any foundation drainage that I know of and the grading is all wrong. Well, lots of things are wrong, but most of them don't flood the basement when it rains.🤷♂️
No, it's not. You can drill holes through the center of a joist or rafter but the permitted diameter of the hole depends on the overall width of the board. Notching the edge (or in this case cutting most of the way through it) dramatically weakens the board since the edges bear most of the tension from the load.
I've done worse. Walled in an unneeded doorway. The seam on one side is clearly visible. But I was trying to get it done in time to host Christmas and it was done very hastily. I'll fix it one of these days. ...probably.
"Jill, I'm afraid we have a problem. Your quality of work is very high, as always. But you don't look enough like your job isn't soul crushing. I'm not saying you look like you're bored out of your mind or that I think working here is depriving you of your will to live. I'm just saying that there are times when you're not smiling like a completely unhinged person and that makes me question whether you really want to be here."
Looking for help in solving a problem where the lower door hinge pin on my entry door keeps creeping up and causing the deadbolt to become slightly misaligned making it more difficult to lock. Reading online, I keep coming across suggestions of tightening a screw that’s supposed to lock the pin in place but my hinges don’t...
I had a boss that was a constant micromanager. I started compiling lists of questions I had or things I actually needed for him and whenever he would come around I would just hit him with the list. I would even chase him down every time I knew he was in the vicinity. Eventually it got to the point where he would try to avoid me because he didn't want to do any actual work. He just wanted to "supervise" and I was ruining that for him.
Talk about irony, the same guy like to brag about not taking vacation time. I told him that people don't usually brag about their poor life choices.
Fuck him. One of us was lazy and it definitely wasn't me.
It depends on who is managing your money and what their investment strategy is. So many people, including “experienced money managers”, treat the stock market like it’s a blackjack table. Trying to capitalize on the rise and fall of stock prices which are often driven by investor enthusiasm; or lack thereof. They’re like dust in the wind.
“Buy low sell high” is a great slogan but a lousy investment strategy. Investments are a long game. When you, or whoever is managing your 401k, buys stocks they’re using your money to buy ownership in a business. Diversification, not having all your investments in one stock or even one industry matters. Long term viability of the businesses you invest in matters. Investing in good, sustainable business that are not overvalued (meaning the stock price exceeds the book value) matters.
You want someone managing your money who does their research, understands what they’re investing your money in, and knows that when stock prices go down, it’s the best time to pick up more good investments at a discount. Not to panic and sell everything. That’s almost always a losing strategy.
That said, Lots of 401k’s are invested in index funds which have a detailed investment strategy that the broker handling your 401k should be able to provide you with a copy of.
You go home and just start applying. Dress up your resume first.
Keep track of each job you apply for in a spreadsheet and forget about it. I find this helps keep me from getting discouraged. Half the time, when I get a rejection email, I don’t even remember applying for the job. My philosophy is “it’s a ‘no’ until it isn’t”.
You say nothing about it until you turn in your resignation. Especially to the “gossips.” That’s just feeding the trolls. If you’re looking for an internal transfer, I wouldn’t see why that would be a problem. That happens all the time. If you work someplace where that is a problem then that means you work for a toxic shit hole and should seriously consider leaving.
Natural Instinct is something which can only be bread out of animals to a point. They are hard wired to do what they do at a certain level. Humans have been domesticating dogs for millenia and yet my 4 kg (~9 lb.) toy poodle still insists on peeing on stuff as an assertion of dominance, the same way his ancestors did.
He doesn’t think about it. He doesn’t have the capacity to ponder the utter pointlessness of pissing on random objects. He doesn’t realize that he’s a scared little baby who is one level above one of his stuffed animal toys on the food chain. He attempts to assert his territorial dominance by urinating on the world because that’s what dogs do. It’s hard wired into to their DNA.
Think of it another way. If you’ve ever had a house cat sink it’s claws and teeth into your arm, whether it’s playing or being aggressive doesn’t necessarily matter. It still hurts. Now imagine the cat weights 204 kg (450 lbs); about the size of a tiger. The seriousness of the situation increases from minor to life threatening.
And yet, there are an alarming number of people, in the United States alone, who seem to think having a pet tiger is a good idea. Ok, so it knows it’s “owner” and is familiar with them. It would never harm them, would it? If you can reason with my house cat as to why it is illogical for her to randomly attack my arm and bring her over to the sensible side, I’ll be more open to arguments from people who think they should be allowed to own tigers.
There are a multitude of arguments to be made as to why raising large, wild animals for pets is a bad idea. Beginning with, a bear is still a bear. Even if it’s a friendly bear.
It takes a few minutes for my tankless water heater to warm up, so we end up wasting a lot of water in our shower. Is there a way to avoid this? A friend mentioned a “comfort valve” or something? What is it and how does it work? Or is there another solution? Thx!
Years ago, I worked the debone line at a poultry plant owned by (Rhymes with Bison). It was cold, wet, and nasty. You worked one job on the line slicing, cutting, pulling, or scraping the same piece chicken off for 7 hours a day. The first thing HR told you in orientation was “No unions. You so much as say the word ‘union’ and you’re gone.”
I made it six months before I just stopped going in.
On top of all the negatives you mentioned, too much time has passed. Frasier was a spinoff from Cheers. A lot of the characters from Cheers made at least one appearance on Frasier over the years. But, Frasier has been off the air for nearly 20 years. Cheers for 30. The continuity is broken and basically means having to either A.) Introduce the character to a new audience who are not familiar with either Frasier and/or Cheers, or B.) Reintroduce the character to an audience who is and has high expectations given the quality of the old show. Kind of like you said, I do not envy the writers and I expect the reboot to be a flop. Hopefully I’m wrong.
About 2-3 years ago the line clogged and I didn’t catch it for a while and we had some serious water damage. It just clogged again and I caught it pretty quick but it could have been bad....
The cheaper/lower quality the air filter, the less particulates it filters from the air. What dust the filter doesn’t catch cycles through the system and can get caught by the AC coil. Filter effectiveness is measured by its MERV rating. The higher the rating, the more particulates it will catch. I use a MERV 13 filter but that’s because I’m alergic to the entire planet and it helps reduce airborne allergens. If you go much higher than that your furnace/air handler may struggle to blow air.
Is it safe to treat stocks and ETFs in my brokerage account as savings and emergency funds as long as I have a significant number of lots with a Stop Loss or Stop Limit Order in place? My Savings Account technically doesn’t cover 3 months of expense, but combined with my brokerage account it does. Is it safe to be have 1 month...
One of the benefits of an emergency fund is instant availability. I can access those funds almost immediately if needed. If my house burns down or gets wiped out by a tornado, I would rather not have to deal with liquidating investments and waiting for the funds to clear. At that point there will be more pressing issues to deal with.
Earning a return on my emergency fund is secondary to availability in terms of importance, to me at least. There are plenty of good options out there for high interest savings accounts.
They are. And it would be funny if it weren’t such utter bullshit. As if the sizeable chunk of the population that lives paycheck to paycheck could actually afford to hold on to a couple thousand dollars in stimulus funds. When shit is waaayyyy more expensive than it was 3 years ago and wages haven’t really climbed that much.
I’m a long time PocketSmith user currently switching to Quicken. PocketSmith is a decent product but has some glaring issues that don’t seem to be on their radar and I feel like my finances have honestly become too complex for PocketSmith’s simplistic philosophy....
If I made 2.5x my current salary, which would be almost 400,000 a year, I would seriously consider returning to the office. Then I would retire in something like 10 years which is way earlier than I’m currently looking at. For that, RTO would actually be worth it.
Coordination, mentoring, and culture are intentional. The problem is that in an “in person” work place, deficiencies in those areas are very easy to sweep under the rug.
What I will call “churn”, rather the flurry of activity generated by masses of employees coming, going, and doing is frequently mistaken for productivity when instead it’s professional level time wasting. The “ship” is making a lot of bubbles and waves but in reality it’s just doing very wide donuts in the middle of the ocean and not generating any real forward momentum. Hence, “churn.”
I’ve worked for fully remote orgs with excellent culture, fully in person orgs with horrible culture and vice-versa. In my experience, remote work has benefits for employees and the company. It’s saves both money and can (not necessarily does) improve the quality of life of the employees. Not all jobs can be remote. That’s understandable. White collar office jobs don’t usually fall into the “can’t be remote” category.
While remote work can impact the org culture, it usually is more of magnifying glass in that all the existing deficiencies in the orgs culture bubble to the surface and get put in display for everyone to see. CEO’s and other senior execs who are embarrassed by this, incompetent, or just don’t care immediately blame the magnifying glass instead of the root problem. Identifying and dealing with the root problem would require time and effort that they aren’t willing to invest. They’d rather sweep it back under the rug again and continue ignoring it.
And, as is now common, especially in corporate America, the attention span is so short and general state of corporate governance so poor that the only thing that matters is the stock price right at this very moment. No one cares if they’re company is even going to be here in 20 years.
So if you work for a company who’s CEO is whining about the need for “culture” and “water cooler moments” as a means to being people back into the office, rest assured that when that happens, the company will have the same shitty culture it always has, except maybe a little worse (since lots of layoff or constructive dismissals tend to damage the culture and erode trust). Nothing will change except the guys at the top will get back to pretending everything is fine, even if it’s really not.
My main point was that often the idea that things were working just fine when everyone was “in office” is an illusion and nothing more. Companies that are finding that remote work “isn’t working” don’t know what “working” is or looks like. If they’re blindly calling employees back to the office, then they’ve successfully solved nothing. Other than maybe adding value back to someone’s commercial real estate portfolio. They’ve just convinced themselves and everyone else further up the ladder that everything is fine while squandering vast amounts of talent and institutional knowledge so someone on the top floor doesn’t have to ask or answer the question of why their performance metrics are so bad. Don’t have to worry about performance metrics when butts in seats is the only metric.
There are organizations out there where the HR department is responsible for curating a high quality workforce and establishing a foundation of culture, including practices, that reflect the organizations principals and values as well as path to integrating that culture with the workforce. These organizations often have good leadership that understands how to successfully leverage a large distributed workforce to achieve measurable goals. The focus is on performance and there is a high degree of trust between different levels in the organization.
Then there companies where the workforce is treated like cattle and HR’s role is to just shuffle the paperwork. They don’t value their employees and have a highly rule and/or power driven culture.There is a general distrust between the levels of the org. These types of organizations tend to spend vast amounts of resources simply maintaining the bureaucracy instead of actually getting things done. Management perceives this as “productivity” but here again, it’s just a big ship going in circles in the middle of the ocean.
There are also a lot of organizations that hover somewhere in between those two examples.
But again, the problem isn’t remote work. Remote work works just fine. The problem is poor management, a lack of accountability, culture that fosters distrust and fails to set quantifiable performance goal. An organization like that is certainly prone to accept the bullshit excuse of “RemOtE wOrK iSnT wOrKiNg” rather than trying to find the real source of the problems. Especially since poor leadership is probably problem number one.
A big sticking point in contract talks between Detroit automakers and the United Auto Workers union is the popular assertion that it takes fewer workers to manufacture electric vehicles (EVs) than conventional cars.
They should have learned that with the near collapse of the American auto industry during the '07-08 financial crisis. Automated manufacturing has been part of the auto industry for nearly 40 years and it’s just going to continue to whittle away at jobs on the assembly line.
“We told our workers they could stay home forever [by quitting] if they wanted but all [the ones we didn’t just constructively dismiss] of them all but demanded that we let them return to the office.” –Some CEO, Probably
We all know people like this. The ones who are all talk and no action and will throw anyone under the bus in a heartbeat if they think it will help them climb the corporate ladder. On the other hand though, the general state of corporate governance is so poor and leadership skills so often lacking that you almost have to pat yourself on the back a little if you want to get anywhere.
Of all the bosses I’ve had, I can think of exactly two who were actually good at their jobs because they actually knew what they were doing and valued their employees. And neither of those people got the recognition they deserved.
My little window into the life of corporate America has witnessed an overwhelming amount of mediocrity and glaring failures simply because the guy who talks big often gets the promotion when in reality they don’t know shit about fuck and the cycle of incompetence is self-perpetuating.
This has been my anecdotal experience as well. Most of the time when I ask my Republican friends their opinions on specific policies I find that their views are very populist leaning toward socialist. They just happen to also be motivated by fear and easily swayed by propaganda and will readily vote against their own interests in exchange for a false sense of security.
They are then confused and frustrated when the scumbags they voted for do exactly what they said they would do and it turns out badly.
I’m sorry, but when was it exactly that the meat packing industry offered a “middle class way of life”? Was it in the early 20th century when they exploited thousands of European immigrants in the Chicago slaughterhouses? Or in the present day when they exploit immigrants from central and south America?
Best way to buy a house for another person? [USA]
I'm in an extremely fortunate position where my Mom, upon learning about current mortgage rates and why I haven't bought a house yet, wants to essentially be my bank to buy a house. As in, she wants to fund the house, put it in my name, and I pay her a reasonable down payment and pay a "mortgage" to her at 2-3%. So what would be...
"Daily Pay" Is Just Another Way to Keep You Living Paycheck to Paycheck ( sh.itjust.works )
I've seen several big chains, mostly gas stations and fast food, advertising "daily pay"....
Sewer Vent Through Middle of Standing Seam ( sh.itjust.works )
Recently had a new standing seam metal roof installed. Roofers could talk the talk but I was not impressed with the quality of work overall....
Private Equity Firm Bought My Employer
It was majority employee-owned before the acquisition but is now majority owned by private equity firm. The main change I'm noticing is that everyone is being pressured to work uncompensated overtime (we're all on salary here) and requests for training/professional development have been all but eliminated. They also initially...
Chimney Gaps ( sh.itjust.works )
Edit: Resolved. Decorative brick is actually a chase and doesn't need to be completely filled in. Thanks to @Death_Equity for advice on rebuilding the crown....
U.S. workers are less satisfied with nearly every aspect of their jobs than they were a year ago, survey finds ( www.cnbc.com )
Every damn day ( programming.dev )
YNAB vs Quicken Simplifi
I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi....
Home Ownership is Just One Persons Fight Against Water ( sh.itjust.works )
Had a nice little foundation leak during the last rain storm. Installed a drain line last fall to divert two downspouts and front walkway run off away from the house which helped a lot....
Is this discoloration a problem? ( lemmy.world )
Renovating the bathroom and found these dark patches in the joists and roof lumber surrounding the old vent pipe. The PVC part is new....
When you do it yourself and it looks like you did it yourself lol ( lemmy.world )
Okay, my first ever drywall and I know what I did wrong. I just didn't think that small indifference would make it look obviously bad....
What kind of institutional gaslighting is this? ( i.redd.it )
Door hinge pin keeps coming up. How to solve?
Looking for help in solving a problem where the lower door hinge pin on my entry door keeps creeping up and causing the deadbolt to become slightly misaligned making it more difficult to lock. Reading online, I keep coming across suggestions of tightening a screw that’s supposed to lock the pin in place but my hinges don’t...
Nurses with an overbearing manager, how do you pass time at work without getting caught?
cross-posted from: https://linux.community/post/792581...
My Starbucks addicted office manager finally switched
I’ll try to keep this short and sweet....
Ah yes, my time at "XXX" was just amazing. ( lemmy.world )
When people say they lost their 401k
I’ve had a few people in my life tell me that they lost X % of their 401k during the (insert financial crisis)....
the best time to find another job is when you already have one. How does it look like in your case?
Do you go back home and start applying?...
Eating with the bear ( v.redd.it )
Recruiters at their own wedding ( media.kbin.social )
Wasting water with tankless heater ( lemmy.world )
It takes a few minutes for my tankless water heater to warm up, so we end up wasting a lot of water in our shower. Is there a way to avoid this? A friend mentioned a “comfort valve” or something? What is it and how does it work? Or is there another solution? Thx!
An industry shouldn't have multiple human rights watch reports about working conditions ( lemmy.ml )
cross-posted from: lemmy.ml/post/6711307...
Leak and sheathing rot behind the end of a soffit. How do I fix this? ( i.imgur.com )
Hey folks, looking for some advice because I don’t know how to proceed....
So psyched for the Frasier reboot to premier today!
My AC drain gets clogged every so often. Any trips for a more permanent fix?
About 2-3 years ago the line clogged and I didn’t catch it for a while and we had some serious water damage. It just clogged again and I caught it pretty quick but it could have been bad....
Stop Loss Securities as Savings/Emergency Funds safe?
Is it safe to treat stocks and ETFs in my brokerage account as savings and emergency funds as long as I have a significant number of lots with a Stop Loss or Stop Limit Order in place? My Savings Account technically doesn’t cover 3 months of expense, but combined with my brokerage account it does. Is it safe to be have 1 month...
63% of US workers unable to pay a $500 emergency expense, survey finds ( www.cnbc.com )
Personal Accounting Software
I’m a long time PocketSmith user currently switching to Quicken. PocketSmith is a decent product but has some glaring issues that don’t seem to be on their radar and I feel like my finances have honestly become too complex for PocketSmith’s simplistic philosophy....
Amazon CEO Tells Workers: Return to Office or 'It’s Probably Not Going to Work Out for You' ( gizmodo.com )
Return-to-office orders look like a way for elite, work-obsessed CEOs to grab power back from employees ( www.businessinsider.com )
White-collar workers temporarily enjoyed unprecedented power during the pandemic to decide where and how they worked.
What the electric car transition really means for autoworkers ( www.axios.com )
A big sticking point in contract talks between Detroit automakers and the United Auto Workers union is the popular assertion that it takes fewer workers to manufacture electric vehicles (EVs) than conventional cars.
Forcing Workers Back to the Office Might Not Have Been a Good Idea After All ( futurism.com )
A new survey shows that the vast majority of senior executives say would've approached their return-to-work push "differently."
Forget ‘quiet quitting’ — ‘loud laborers’ are killing workplace morale. Here’s how to spot them ( www.cnbc.com )
Archived version: archive.ph/Feh55...
More Perfect Union went to a trump rally. They seem to somewhat agree with socialists. ( www.youtube.com )
First time ever installing a water heater, or doing any plumbing... ( lemmy.world )
400% turnover rate ( i.imgur.com )