General Adulthood, Planning for the Future: Business, College, Budgeting, Investments, etc! $$$ - General

[QUOTE=DanTehMan;50063822]Do you have a focus? Stage vs camera work? If you are really interested, make sure your acting resume is in top shape. Have you looked into agents? If you have successful friends make sure to talk to them about how the sustain that lifestyle. I was a theatre minor in college (most of my friends majored/work in that field) so I understand a bit about it.[/QUOTE] I'm doing stage as a means to make money on the side while studying in college, however I want to go into camera work as a job. I haven't looked into any agents, I don't really see that much point if I'm focusing on schooling plus acting. But yeah my voice tutor is helping me with my resume and headshot.

[QUOTE=Revenge282;50066135]Literally YouTube alone got me through AP Calculus in high school.[/QUOTE] [url=https://www.youtube.com/user/professorleonard57]Professor Leonard[/url] has taught me more than my real professor. His videos are long (full lectures!) but he [I]teaches[/I] it with a passion.

I know this is General [I]Adult[/I]hood but would this also be the place for teen job concerns, seeing as they're somewhat related?

I don't see why not.

Woo! The closing costs on the house are substantially lower than expecred. I negotiated the amount of closing costs that the sellers would be assuming as a chip to convince them to do some pricey repairs. The lender's initial estimate had me paying about $1800 cash, but the final tally is $1300 less! That's basically money in my pocket. I am so glad to almost be done with this! I've been so damn frazzled the last week or so, but tomorrow morning the house is officially mine. Now it's just two weeks of repairs, renovations, and moving. Yeesh.

Did you not put any cash down? [editline]5th April 2016[/editline] Also what are the terms of your loan? If you don't mind sharing

[QUOTE=TechnoSandwic;50070847]I know this is General [I]Adult[/I]hood but would this also be the place for teen job concerns, seeing as they're somewhat related?[/QUOTE] This thread is kinda like a transition thread for people becoming adults. I'd say this thread should help people ages 16-30. Leaving your parents for college or work is kinda the first step with living on your own. Some have gotten used to the independence but need help thriving in it which is the next step. I'm kinda in the middle myself since I'm still in college. Speaking of which, I'm looking into joining the Navy Nuclear Program and they would pay me 4k/mo while I'm still in school, and then I'd serve for a few years. Beyond paying off student debt and maybe a new phone I have no idea what I would do with that kind of money since my expenses would be taken care of while I'm in service.

[QUOTE=RIPBILLYMAYS;50061990] Also if you're becoming a citizen you are not recognized as American by your peers until you purchase your first firearm.[/QUOTE] In [I]Massachusetts[/I]? Good luck!

[QUOTE=geel9;50071217]Did you not put any cash down? [editline]5th April 2016[/editline] Also what are the terms of your loan? If you don't mind sharing[/QUOTE] Nope, no money down. That's the beauty of VA loans! 30 year fixed rate, 3.75% interest.

Probably gonna be posting in here a lot more. Definitely at the point in my life where I feel like I need to get my shit together while I still have the time. Been working at a bankruptcy law firm for almost 4 years now and I just know I can't let myself be ok with my situation and stay where I am at 22. Reading through the thread has been really motivational

Been recently yearning for a job from home in education that isn't tutoring. Hard to find something like that these days. A stay at home job in general would be ideal. My health problems like to spring up at random points during work and they become an issue real fast.

[QUOTE=Pascall;50083223]Been recently yearning for a job from home in education that isn't tutoring. Hard to find something like that these days. A stay at home job in general would be ideal. My health problems like to spring up at random points during work and they become an issue real fast.[/QUOTE] What kind of education job are you looking for? I normally recommend checking out community colleges, and personally I had a great experience taking two math classes online last summer at my CC. I got both classes to count towards my degree as well. The best part for both the student and teacher is that you can do things in bulk and procrastinate a little bit too. [editline]6th April 2016[/editline] [QUOTE=Kite_shugo;50081975]Probably gonna be posting in here a lot more. Definitely at the point in my life where I feel like I need to get my shit together while I still have the time. Been working at a bankruptcy law firm for almost 4 years now and I just know I can't let myself be ok with my situation and stay where I am at 22. Reading through the thread has been really motivational[/QUOTE] Not exactly but when I got "laid off" from working as a cashier at an asian market I've never felt more free in my life. No more mornings spent listening to pigs feet being buzzed in the butcher's section, no more angry chinese women calling to say I misbagged their chicken liver. When you lose your job you either break down trying to scramble stuff together to get by or know exactly what you want to do with the rest of your life and are excited by the prospect of it. Ideally you'll figure out what to do before you leave but if not you'll be happy at the very least.

Okay so I need advice about this So I started with this company and in this field of work, about 4 months ago in December. The person who hired me, we'll call her M, and the person who manages me, who we'll call T, are in different offices in different parts of the province(like 30 minutes apart but still, it's a distance considering traffic here). T is just my manager. He only has power of my daily stuff and even then, he's probably the most relaxed manager I've ever met. Now, M is technically the HR person for the company, but she's the person who does most if not all of the hiring and effectively, the firing. She's also the person I need to talk to if I need a raise. T may very well be leaving the company soon. When I was hired by T at that specific office, he said we'd have a talk in 3 months about my position and a raise. I have since talked to T about it and he said there's no company policy for the meeting at 3 months, and he'd talk to M about. Now, I need to make more money because I can't save much even doing as little as possible in terms of activities and spending outside of groceries and the like. So I need to get a raise or find a way to make more money. I talked to my other coworker who started here 10-11 months ago, and he got a raise 6 months in, and had a "meeting"(really just a casual one on one with the manager) about 4 months in. Now, I've had a chat with M, and with T, but they were little more than chats and never really went into what I wanted or needed. I have advice to do all sorts of things. So I've thought about my options as I see them. 1) I continue to ask T to talk to M, and start that conversation for me. 2) I ask M via email directly and politely 3) I wait it out another month or so and try 1 or 2 then I feel like it's bad to just talk to her directly, I don't feel comfortable doing so going around my managers back, nor do I feel comfortable asking for a raise at this point. I'm a good employee and work hard but there's an incredible amount to know in this job, there really is. I really don't know what to do but people I know say to just be direct and polite and get to the point and ask for what I need but I don't know if that's really good form.

[QUOTE=RIPBILLYMAYS;50084903]What kind of education job are you looking for? I normally recommend checking out community colleges, and personally I had a great experience taking two math classes online last summer at my CC. I got both classes to count towards my degree as well. The best part for both the student and teacher is that you can do things in bulk and procrastinate a little bit too. [/QUOTE] I'm already going to school at a local university to earn my Bachelor's. But I'm currently doing administrative work and event/program coordination for the Lego Robotics program for a local school district's after school program. So I have experience in a variety of things regarding education like curriculum writing, event planning, social media usage, and a little bit of personal relations/human resources. But being able to do things like that from home would be ideal. Right now, I have to go all the way across town to my office to only work one day of the week because the rest of the time I have to be in class.

[QUOTE=HumanAbyss;50084979]Okay so I need advice about this So I started with this company and in this field of work, about 4 months ago in December. The person who hired me, we'll call her M, and the person who manages me, who we'll call T, are in different offices in different parts of the province(like 30 minutes apart but still, it's a distance considering traffic here). T is just my manager. He only has power of my daily stuff and even then, he's probably the most relaxed manager I've ever met. Now, M is technically the HR person for the company, but she's the person who does most if not all of the hiring and effectively, the firing. She's also the person I need to talk to if I need a raise. T may very well be leaving the company soon. When I was hired by T at that specific office, he said we'd have a talk in 3 months about my position and a raise. I have since talked to T about it and he said there's no company policy for the meeting at 3 months, and he'd talk to M about. Now, I need to make more money because I can't save much even doing as little as possible in terms of activities and spending outside of groceries and the like. So I need to get a raise or find a way to make more money. I talked to my other coworker who started here 10-11 months ago, and he got a raise 6 months in, and had a "meeting"(really just a casual one on one with the manager) about 4 months in. Now, I've had a chat with M, and with T, but they were little more than chats and never really went into what I wanted or needed. I have advice to do all sorts of things. So I've thought about my options as I see them. 1) I continue to ask T to talk to M, and start that conversation for me. 2) I ask M via email directly and politely 3) I wait it out another month or so and try 1 or 2 then I feel like it's bad to just talk to her directly, I don't feel comfortable doing so going around my managers back, nor do I feel comfortable asking for a raise at this point. I'm a good employee and work hard but there's an incredible amount to know in this job, there really is. I really don't know what to do but people I know say to just be direct and polite and get to the point and ask for what I need but I don't know if that's really good form.[/QUOTE] The first thing M is likely to do when considering whether you get a rais is to consult T, your manager, about your performance and professionalism. Going around his back could be seen as disrespectful and a breach of professional conduct and seriously undermine your chances of getting a favorable review. People like to feel important - bypassing the chain of command doesn't win you many friends.

i got my internship for this summer! i was really worried that they rejected my security clearance application since i hadn't heard from them for a few months but i guess i have it now too, which will be really helpful for applying to my dream jobs oh gosh now i have to go apartment hunting and learn how to live by myself. i've already set up a general budget with like how much i should spend on food and how much i should save (my econ teacher drilled into our heads that 10% of every dollar you make is a good savings tactic). i already kinda know how to cook so that'll be fun

Should I continue my push for an Associates of Arts? I go to a community college, and it's really cheap, they charge per class. I have it [url=https://docs.google.com/document/d/1aLr7Gkaasx_R59GMW_Ja-uibiThNuNHvUYMxkJXiYFE/edit?usp=sharing]scheduled[/url], but I suck ass at math and might need to take remedial courses. Here's the reason why I ask: I want to go to Beloit college, and I was wondering if I should look into just getting transfer credits done, or if I should go whole-hog and get an AoA before I go to Beloit. What should I go for?

[QUOTE=Big Dumb American;50072891]Nope, no money down. That's the beauty of VA loans! 30 year fixed rate, 3.75% interest.[/QUOTE] So jealous that you got a VA loan....we have to make due with fha or usda

I don't really know if this is the place to ask this but the OP said stuff about youtube so in order to hone my skills in video editing and to build up something resembling a portfolio outside my uni work I'm thinking of making dumb youtube videos since my interests in life more or less revolve around media, mostly film and video games, the content would most likely be of that nature. Be it critique or borderline essays or general nonsense idk. something I'm super mindful of though is getting in trouble for copyright nonsense. Seeing as I would most likely use stuff like clips from films (be it movies, tv, etc.) and soundtracks from said media. Does anyone have any experience in dealing with this kind of stuff? Any do's or don't s? I have experience dealing with fair use, creative commons etc. but that means a whole lot of nothing considering the current situation with Youtube.

[QUOTE=insane taco;50088938]So jealous that you got a VA loan....we have to make due with fha or usda[/QUOTE] VA loans have some nice perks, but they also have some limitations that can make various parts of the process a bit of a bitch. For example, VA loans don't allow for seller credits, so I couldn't negotiate for the cash equivalent of the costs to handle repairs, instead I had to push the sellers to correct everything themselves. I was only concerned that the jobs were done, and at minimal cost to myself, but they were concerned primarily about the stress of living in a construction site. That limitation strained negotiations a good deal. Also, you can't tie any repairs or renovations into the loan, making it useless for "fixer-upper" properties. An FHA loan allows for this, which can seriously reduce out of pocket expenses while having only a marginal impact on your monthly cashflow compared to a short term loan. But that 0% down [I]is[/I] pretty damn rad.

[QUOTE=Big Dumb American;50090774]VA loans have some nice perks, but they also have some limitations that can make various parts of the process a bit of a bitch. For example, VA loans don't allow for seller credits, so I couldn't negotiate for the cash equivalent of the costs to handle repairs, instead I had to push the sellers to correct everything themselves. I was only concerned that the jobs were done, and at minimal cost to myself, but they were concerned primarily about the stress of living in a construction site. That limitation strained negotiations a good deal. Also, you can't tie any repairs or renovations into the loan, making it useless for "fixer-upper" properties. An FHA loan allows for this, which can seriously reduce out of pocket expenses while having only a marginal impact on your monthly cashflow compared to a short term loan. But that 0% down [I]is[/I] pretty damn rad.[/QUOTE] USDA loans offer 0% down as well but we would have to move far enough out of the suburbs for it to be an option, something I'm not quite comfortable with. Don't you live in Missouri? Gotta move past Wentzville to get a usda loan.

[QUOTE=insane taco;50097248]USDA loans offer 0% down as well but we would have to move far enough out of the suburbs for it to be an option, something I'm not quite comfortable with. Don't you live in Missouri? Gotta move past Wentzville to get a usda loan.[/QUOTE] Oh yeah, you're a Saint Louis guy too aren't you?

[QUOTE=Big Dumb American;50072891]Nope, no money down. That's the beauty of VA loans! 30 year fixed rate, 3.75% interest.[/QUOTE] Holy shit, I have a 3.75% rate with a 10/1 ARM.

[QUOTE=Big Dumb American;50098090]Oh yeah, you're a Saint Louis guy too aren't you?[/QUOTE] Yeah St Charles County represent!

Yo, anyone have any ideas to turn 1k into more money over a relatively short period of time? Short of going to a casino of course.

[QUOTE=Ruski v2.0;50108723]Yo, anyone have any ideas to turn 1k into more money over a relatively short period of time? Short of going to a casino of course.[/QUOTE] Take 1% of it to a library, use it to print your cv, apply for jobs. :v:

[QUOTE=Ruski v2.0;50108723]Yo, anyone have any ideas to turn 1k into more money over a relatively short period of time? Short of going to a casino of course.[/QUOTE] Scalp amiibo en masse.

[QUOTE=Ruski v2.0;50108723]Yo, anyone have any ideas to turn 1k into more money over a relatively short period of time? Short of going to a casino of course.[/QUOTE] Buy something, rent it out. Or try flipping things. You could build a computer from parts and sell for 200$+ what you paid for parts

Sitting on 25k in the bank and my total monthly expenses are around $350 (only child living at home). I make 42k a year pre tax, and I'm planning on moving out this summer/fall...to somewhere unknown, it depends where my gf gets a job. I'm not really sure how I should make this cash work for me, I'm not sold on tying it up when my immediate future is cloudy, so I've just been hoarding it. I could also sell my impractical vehicle and net another 8k. I have two cars. What to doooo

Thanks for all the advice guys. I ended up taking £20 and putting it on my 'leisure' debit card and taking that to the casino. I'd spent the entire night before researching blackjack strategies and blackjack odds (as it is the game with the least house advantage)... I ended up making the money I needed. I wouldn't recommend it to anyone, as although I was only playing with £20 my heart was pumping a hundred miles a minute when I started making more money. I hit my target and walked out with £150 profit. I have to tell you, I'm not going to a casino for a long time now! I think I used my luck quota for the year!