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

[QUOTE=Psygo;51689304]I have a full time job, where I'm making around 1000 euro after tax every month. it's not my first car, it'd be my first "nice" car though.[/QUOTE] I really don't have any more experience with this than you, but I'd seriously consider whether I really need that car or not. You have insurance on top of the repairs you'll probably have to do on a ~35000dkk car as well to consider.

[QUOTE=Big Dumb American;51689524]Believe it or not, a client of ours just did this. Individually, they couldn't qualify for the mortgage they wanted, but our lender told them that they could if they were married. One impropmtu proposal and a brief trip to the license office later, and they had an approved mortgage on their dream home. :v: As for us, I don't think it's necessary. I can already get a joint healthcare plan through the ACA with her -- it just quadruples my premium and raises the deductible by 2000%.[/QUOTE] Man, the ACA is such a turd.

[QUOTE=GoDong-DK;51690363]I really don't have any more experience with this than you, but I'd seriously consider whether I really need that car or not. You have insurance on top of the repairs you'll probably have to do on a ~35000dkk car as well to consider.[/QUOTE] of course I don't NEED that car, it's honestly mostly a toy, but I've wanted one ever since I got rid of my last one, if you know them it's a BMW E30, had one back when they were dirt cheap, but I found a really nice one for 54000. honestly I know it's completely unnecessary and not really a smart idea, so I'm just trying to justify it to myself by being like guys pls tell dis ok.

[QUOTE=Big Dumb American;51689524]it just quadruples my premium and raises the deductible by 2000%.[/QUOTE] "Affordable" Care Act.

is anyone here aware of health codes in colleges? heres my situation: in organic chem lab, were working with pretty nasty stuff. dichromate salts, chloroform... carcinogens. and we pretty much aim to make them boil almost all the time, and as such, they produce fumes. now, thing is, we dont have many fumehoods for all the students to work under. so the professor insists that [I]none[/I] of the students will be working under a fumehood. is this ALLOWED? I know that theres a certain ~yearly exposure limit~ set in by OSHA and stuff. but are you kidding me? these are college kids were talking about. there may be a day where a yearly exposure can be reached in just a few seconds because of the negligence ive [I]seen[/I] with some of these people. what should I do? I will probably make a complaint to the 'higher-ups', but i also think i should seek outside opinions from those who have authority over the school.

If you're concerned you could try telling the department head. Do your professors teach the labs? We never had a professor in the lab. Always a TA/Doctoral student.

[QUOTE=OvB;51696914]If you're concerned you could try telling the department head. Do your professors teach the labs? We never had a professor in the lab. Always a TA/Doctoral student.[/QUOTE] I'm asking one of the chairmen, might seek response from dept head too. and yeah, a TA is there only part of the time - otherwise its a professor.

[QUOTE=OvB;51694652]"Affordable" Care Act.[/QUOTE] On the flip side, without the ACA's pre-existing conditions mandate, I would be almost entirely uninsurable. What coverage I could get would still be hugely inflated, and extremely limited. That's where I was at before the ACA rolled in, and it was an extremely scary situation for me. Expensive coverage is better than [I]no[/I] coverage. Beyond that, I'm not convinced that the runaway insurance costs are solely to blame on the ACA itself, as opposed to the profit-first insurance companies who have done everything possible to subvert, exploit, or bypass it in order to maximize their profit margins, even to the detriment of the people. Furthermore, I would be absolutely [B]shocked[/B] if insurance rates actually decreased once the ACA is repealed. The insurance companies have realized they can get away with charging these rates and offering terrible coverage. Getting rid of the new expenses the ACA saddled them with will widen their profit margins (while being catastrophic for the ~25m Americans who rely on the ACA for coverage), but I don't expect the insurance industry will also lower their ceiling out of the goodness of their hearts. Honestly, the only truly functional solution here is to get rid of the for-profit healthcare system in its entirety and offer a proper universal healthcare plan. I figure the chances of that happening are about the same as waking up with superpowers, of course.

[QUOTE=Vilous;51696696]is anyone here aware of health codes in colleges? heres my situation: in organic chem lab, were working with pretty nasty stuff. dichromate salts, chloroform... carcinogens. and we pretty much aim to make them boil almost all the time, and as such, they produce fumes. now, thing is, we dont have many fumehoods for all the students to work under. so the professor insists that [I]none[/I] of the students will be working under a fumehood. is this ALLOWED? I know that theres a certain ~yearly exposure limit~ set in by OSHA and stuff. but are you kidding me? these are college kids were talking about. there may be a day where a yearly exposure can be reached in just a few seconds because of the negligence ive [I]seen[/I] with some of these people. what should I do? I will probably make a complaint to the 'higher-ups', but i also think i should seek outside opinions from those who have authority over the school.[/QUOTE] Complain to the dean or call your local health department. It's a safety hazard and a liability to the school. I don't think the college would want to be sued by a bunch of students for a professor's negligence. If I were you I'd go work under the fume hood regardless of what the teacher says if you are working with something poisonous, and if he tries to throw you out of the class for it, then walk straight to the department office.

[QUOTE=Big Dumb American;51697428]On the flip side, without the ACA's pre-existing conditions mandate, I would be almost entirely uninsurable. What coverage I could get would still be hugely inflated, and extremely limited. That's where I was at before the ACA rolled in, and it was an extremely scary situation for me. Expensive coverage is better than [I]no[/I] coverage.[/QUOTE] I'm in the same boat, with my titanium hips and all. I'm chock full of pre-existing conditions. For now though I'm still on my parents coverage which is good. (and also because of ACA)

[QUOTE=Slithers;51698477]Complain to the dean or call your local health department. It's a safety hazard and a liability to the school. I don't think the college would want to be sued by a bunch of students for a professor's negligence. If I were you I'd go work under the fume hood regardless of what the teacher says if you are working with something poisonous, and if he tries to throw you out of the class for it, then walk straight to the department office.[/QUOTE] The futility in using the fume hood anyway is that every other student won't, thus completely destroying the purpose. However, I have sent an email to the dean. Gonna hope for a real good reply because it's just absolutely nonsense to not use the hoods. I'll get back in here if I do get a response.

I'm jumping ship from a job that's literally killing me mentally and emotionally. I need to re up my resume, but I'm not sure how to turn my current job into something that fits on the resume. Normally I excel at this and have literally never asked for help with this before. Would anyone be able to offer advice on this?

What's your current job and what sort of jobs are you gonna be looking for in the future?

I'm an insurance broker. I don't really plan on looking for a different career at the moment but I'm literally just doing it as a job because i need one that doesn't destroy my body I just don't know how to turn what I "learned" this year into a resume type thing.

I generally consider office prowess to be a good strength. Knowledge in Microsoft products, task management, what sorts of programs you're familiar with, customer service, typing speed is helpful sometimes too. The key is to choose things that could be useful in a variety of environments and jobs so that even if the job you're looking for may not be the same job, those basic skills are still stuff that a lot of people are looking for in a potential candidate.

Question for any investors; when tax season starts I can kind of expect a rather large return(large for me, that is) like I did last year however as I am starting school soon and am working I want to use that return to start investing. Any money from returns I want to put away to be invested, gain interest from it however I can and let it build while working to pay for my tuition. I already took out one loan to pay for my first semester and by the time the second semester rolls around I expect to have enough saved up to pay for that but I don't want to touch my returns. My objective is to establish some form of income from investments that I can use for financial stability because my generation is incredibly fucked in the years to come and I'm going to need it when Social Security gets gutted, wages continue to stay low, among other possible problems. I understand dividends are useful for this however I need to grow what I start with of course. Is there a minimum balance needed to get investment services from a bank? How do I approach them on this?

I also need to write a resignation letter and I've never written one of those before. My manager is the sole reason I am leaving this company. She doesn't know how to do her job, my job, the basic job of a manager, she doesn't have people skills, she doesn't follow the rule book for the company, and complaints have all fallen on deaf ears. My manager is causing almost the entire office I work at, to resign. Not a joke, or an exaggeration. Out of the 9 of us who work here, all of us but 1 are leaving in the next few weeks/months. She has dropped the ball on staffing the office, on answering her own phone(She's the manager, so if an issue comes up when she's not here, we call her, she doesn't answer, this is against company policy), two days of the week that I work(weekends), I'm legally entitled to a lunch, but never receive one due to the manner in which the office has been staffed. Add to this that in the past month, she has stolen tens of hours a week from the company and is still getting paid a full wage, whilst I am struggling to survive on poverty level wages(despite the fact I need to hold a license, and be educated to hold this job) and being called "Unreliable" for having been sick a total of 3 days, in 4 months. So my resignation letter won't be going to my manager personally. It will be going to my managers boss. I'm not sure how to write that letter. I'm not worried about burning bridges to be honest, because the company I work for currently is an all girls club, and if you're not one of the "Girls" you don't get treated very well, and my managers boss in question is part of this whole problem. So I'm not ultimately sure what to do. My father personally knew the owners of this company before he passed, and was friends with them, he was their lawyer for years, and I feel the slightest desire to do the right thing in his name, and help the company get rid of the blight of managerial failure we're suffering from. I just don't know how to go about doing that.

[QUOTE=HumanAbyss;51701792]I'm jumping ship from a job that's literally killing me mentally and emotionally. I need to re up my resume, but I'm not sure how to turn my current job into something that fits on the resume. Normally I excel at this and have literally never asked for help with this before. Would anyone be able to offer advice on this?[/QUOTE] Based on the stories you've shared, I'm glad that you're ready to make a change for yourself. It was clear that you were struggling to find meaning, and that the stresses of the job were wearing you thin. Moving forward, you've actually got a pretty marketable skillset. You have strong office skills, financial knowledge, and at least some level of salesmanship or entrepreneurial drive. You could put together a solid resume for just about any field with that. The question is: how do you avoid ending up in the same situation you are leaving behind? Seriously examine yourself, and the jobs you've previously left. Try to identify the common underlying themes that have always left you feeling hopeless, miserable, or stuck. Wherever you go next, avoid those. [editline]20th January 2017[/editline] [QUOTE=HumanAbyss;51702301]I also need to write a resignation letter and I've never written one of those before. My manager is the sole reason I am leaving this company. She doesn't know how to do her job, my job, the basic job of a manager, she doesn't have people skills, she doesn't follow the rule book for the company, and complaints have all fallen on deaf ears. My manager is causing almost the entire office I work at, to resign. Not a joke, or an exaggeration. Out of the 9 of us who work here, all of us but 1 are leaving in the next few weeks/months. She has dropped the ball on staffing the office, on answering her own phone(She's the manager, so if an issue comes up when she's not here, we call her, she doesn't answer, this is against company policy), two days of the week that I work(weekends), I'm legally entitled to a lunch, but never receive one due to the manner in which the office has been staffed. Add to this that in the past month, she has stolen tens of hours a week from the company and is still getting paid a full wage, whilst I am struggling to survive on poverty level wages(despite the fact I need to hold a license, and be educated to hold this job) and being called "Unreliable" for having been sick a total of 3 days, in 4 months. So my resignation letter won't be going to my manager personally. It will be going to my managers boss. I'm not sure how to write that letter. I'm not worried about burning bridges to be honest, because the company I work for currently is an all girls club, and if you're not one of the "Girls" you don't get treated very well, and my managers boss in question is part of this whole problem. So I'm not ultimately sure what to do. My father personally knew the owners of this company before he passed, and was friends with them, he was their lawyer for years, and I feel the slightest desire to do the right thing in his name, and help the company get rid of the blight of managerial failure we're suffering from. I just don't know how to go about doing that.[/QUOTE] Yikes! Any chance that those of you who are resigning could draft a group resignation letter? Get the signatures of all you, a bulleted list of well founded complaints about the way this woman is operating the business? If you really want to make a strong point without being singled out, that would probably be the best way to do it.

Does anyone have any insight onto switching disciplines entirely once you're late into your college career? Or exploring other disciplines? I've always been into animals and feel like a career in animal science or zoology could be a great thing to explore but I'm having a hard time getting around the fact that I'm already 25 and haven't been in a STEM focused class in ages. I've never been amazing at math, but then again, I've never really had a reason to put forth the effort. I don't know. I feel like pursuing something animal related so get into research and some field work might be really fun and fulfilling but it's so hard to convince myself to pursue exploration when college is so damned expensive.

[QUOTE=Big Dumb American;51702305]Based on the stories you've shared, I'm glad that you're ready to make a change for yourself. It was clear that you were struggling to find meaning, and that the stresses of the job were wearing you thin. Moving forward, you've actually got a pretty marketable skillset. You have strong office skills, financial knowledge, and at least some level of salesmanship or entrepreneurial drive. You could put together a solid resume for just about any field with that. The question is: how do you avoid ending up in the same situation you are leaving behind? Seriously examine yourself, and the jobs you've previously left. Try to identify the common underlying themes that have always left you feeling hopeless, miserable, or stuck. Wherever you go next, avoid those.[/QUOTE] I really don't know what you mean by that last bit. I think my general displeasure with work comes from the nature of working, and not enjoying the job. I've been around enough jobs to know I'm not likely to find a job I actually like. I like doing things, like accomplishing tasks or helping customers or that kind of thing, but I don't really know what I "Enjoy" in a professional environment. I've worked in rough and tumble industries, and found that not to be to my liking, and I've spent a year in an office and found that to be irksome as well, in different ways mind you, but at the end of the day it's all the same feeling that I'm just worn out and tired. I understand I need to search for something that "fulfills" me, but I'm rapidly running out of steam on that front. The career i'm in now, I at least don't hate it? I enjoy helping customers out, and I really like helping people who feel or look hopeless and lost try and understand what they're looking for. The office dynamics, ideally, I could see them being something i'm okay with. I'm not a supremely outgoing person, I'm very skilled in small talk, but I won't initiate it. I'm totally down with analyzing what about this bothers me and what would make me happy, but I ultimately don't have any idea what would make me happy anymore. I don't think I ever did.

That being said, I plan to finish my Bachelor's in Art before anything happens and pay off at least half of my college debt, but still. I worry that it'll be too late.

[QUOTE=Big Dumb American;51702305] Yikes! Any chance that those of you who are resigning could draft a group resignation letter? Get the signatures of all you, a bulleted list of well founded complaints about the way this woman is operating the business? If you really want to make a strong point without being singled out, that would probably be the best way to do it.[/QUOTE] This was my plan actually, write a letter and have everyone sign off on it on the basis that literally our entire office is miserable now. But this goes back to the "Girls Club" thing, and I hate to even mention that but with what I know about the company from those who've been here longer, it's really a problem. There was a severe(though not as bad) issue with a manager at a different office. They signed a group letter complaining about the multitude of problems that office had. That manager was briefly demoted(very, very briefly) and then was given a different office to manage. You're probably thinking "How does that even make sense?", I don't know.

[QUOTE=LtKyle2;51702231]Question for any investors; when tax season starts I can kind of expect a rather large return(large for me, that is) like I did last year however as I am starting school soon and am working I want to use that return to start investing. Any money from returns I want to put away to be invested, gain interest from it however I can and let it build while working to pay for my tuition. I already took out one loan to pay for my first semester and by the time the second semester rolls around I expect to have enough saved up to pay for that but I don't want to touch my returns. My objective is to establish some form of income from investments that I can use for financial stability because my generation is incredibly fucked in the years to come and I'm going to need it when Social Security gets gutted, wages continue to stay low, among other possible problems. I understand dividends are useful for this however I need to grow what I start with of course. Is there a minimum balance needed to get investment services from a bank? How do I approach them on this?[/QUOTE] With this windfall, are we talking hundreds, thousands, or tens of thousands? Regardless of the amount, choosing to invest it is a good decision, but [I]how[/I] you invest it may differ based on the amount of money, your own skillsets, and your own goals. I'm the resident real estate guy, so that's about all I could offer halfway competent advice on, but if you're seeking advice regarding stocks and the like, then I reckon that you should be able to start putting together a plan with a financial consultant / investment broker right away -- even if your starting funds are pretty meager. Do some light reading on the services offered by firms like Edward Jones, Ameritrade, etc to see what kinds of services they offer and how they work. For smaller amounts, you could even take some more modern and unconventional investment options out for a test drive. I've heard some good things about Acorn. People seem to be getting consistent, if somewhat unremarkable, returns on investment of 5% or so. Wish I could steer you a bit better here, but I'm a bit out of my depth outside of real estate. Once my income has stabilized, and I've managed to build up my reserve account again, I'll let a qualified professional help me make the right decisions when it comes to my other investments. I'll just have to determine a good ratio to divide between my self-directed real estate investing, and my consultant-approved paper portfolio. [editline]20th January 2017[/editline] [QUOTE=HumanAbyss;51702327]I really don't know what you mean by that last bit. I think my general displeasure with work comes from the nature of working, and not enjoying the job. I've been around enough jobs to know I'm not likely to find a job I actually like. I like doing things, like accomplishing tasks or helping customers or that kind of thing, but I don't really know what I "Enjoy" in a professional environment. I've worked in rough and tumble industries, and found that not to be to my liking, and I've spent a year in an office and found that to be irksome as well, in different ways mind you, but at the end of the day it's all the same feeling that I'm just worn out and tired. I understand I need to search for something that "fulfills" me, but I'm rapidly running out of steam on that front. The career i'm in now, I at least don't hate it? I enjoy helping customers out, and I really like helping people who feel or look hopeless and lost try and understand what they're looking for. The office dynamics, ideally, I could see them being something i'm okay with. I'm not a supremely outgoing person, I'm very skilled in small talk, but I won't initiate it. I'm totally down with analyzing what about this bothers me and what would make me happy, but I ultimately don't have any idea what would make me happy anymore. I don't think I ever did.[/QUOTE] That sounds quite similar to my own feelings about work. No matter where I went, or what I did, whatever initial burst of motivation I had would quickly give way to a sense that I was just wasting my time. I felt frustrated, trapped, and even hopeless. It felt like I was doomed to be forced to work meaningless jobs for the rest of my life, and that the best I could hope for was to just try to find something that I could [I]tolerate.[/I] The epiphany for me came in realizing and accepting that I just [B]don't like having a job.[/B] I don't want to trade my time for money. Time is the most precious thing we've got, and no paycheck is enough for me to feel that I was getting a fair trade, and there's no job that I am going to be excited and motivated enough to do that I can wake up and go to work with a smile for the rest of my life. I don't want my life to revolve around a job. So, instead of asking myself what jobs I might like, I started asking myself how to live the kind of lifestyle I actually wanted [I]without[/I] a job. I need money, of course, because while I don't have extravagant tastes, I'm no monk. I [B]want[/B], and fulfilling that want means I need money. And that's how I began learning about the world of investing, especially in property (and perhaps businesses, eventually). I learned that I could either work for my money, or make my money work for me. I could put my money into things that would make me more money, and that I could build a team to take care of it for me. Instead of selling could get paid for "nothing," meaning I could get paid even if all I wanted to do was hang out at home and watch TV all day. Instead of working for my money, I could make my money work for me. Obviously, though, I lacked the resources, knowledge, and experience to make that little fantasy a reality, but now that I had a clear idea of what I actually wanted from my life, I could start laying down the first bricks on the path there. I spent a couple of years studying and planning, and then I started working in real estate as a job. Even though I feel some of the same frustrations of "selling my time" by working for a paycheck, that sense of being trapped or hopeless has never come back, because with each passing day, and each new dollar, I can clearly see the pieces falling into place. I know that, if I keep on this path, I will be able to live the lifestyle that I want to live. That may not be [B]your[/B] epiphany, of course, but given our similar perspectives regarding employment, maybe your driving force will ultimately be similar too? Small business ownership, investing, online retail, whatever. I dunno what's going to call to you, but long periods of serious self-reflection might reveal. All I'm saying is to keep seriously asking yourself these questions: 1) What kind of lifestyle do I actually want to live? 2) How can I accomplish that?

[QUOTE=Big Dumb American;51702374]With this windfall, are we talking hundreds, thousands, or tens of thousands? Regardless of the amount, choosing to invest it is a good decision, but [I]how[/I] you invest it may differ based on the amount of money, your own skillsets, and your own goals. I'm the resident real estate guy, so that's about all I could offer halfway competent advice on, but if you're seeking advice regarding stocks and the like, then I reckon that you should be able to start putting together a plan with a financial consultant / investment broker right away -- even if your starting funds are pretty meager. Do some light reading on the services offered by firms like Edward Jones, Ameritrade, etc to see what kinds of services they offer and how they work. For smaller amounts, you could even take some more modern and unconventional investment options out for a test drive. I've heard some good things about Acorn. People seem to be getting consistent, if somewhat unremarkable, returns on investment of 5% or so. Wish I could steer you a bit better here, but I'm a bit out of my depth outside of real estate. Once my income has stabilized, and I've managed to build up my reserve account again, I'll let a qualified professional help me make the right decisions when it comes to my other investments. I'll just have to determine a good ratio to divide between my self-directed real estate investing, and my consultant-approved paper portfolio. [/QUOTE] My return last year was $2500ish, I took home $2200/2300ish after commission for the tax accountant. By myself the return would've been around $1800/1900, that return was for the 2015 year and I worked 3 jobs throughout that year, took a college course and a vocational course. This year I worked three jobs, took another college course but no vocational course. I have plenty of receipts like gas receipts I can use as tax deductions that can be considered employment expenses iirc. Right now I'm considering throwing the returns into some kind of savings account and letting it collect meager interest before I decide how to invest it. There is so much information on what to know about the market and the different ways to use your money and I don't want to make any moves before I feel ready. I may just start a retirement account now, or perhaps keep it in a savings for the future. Maybe use some of it to self-directly invest if I feel confident and have a plan. What I do know is that I want to grow what I'm starting with and turn it into a income in the future, whether retired or not. With how bleak the future looks for our generation I'd like to establish an extra source of income to survive with.

whoahwhoa alright. my grandma collapsed on the floor yesterday. My mom's been talking about my grandparents sending very large amounts of money to both my sister and I. I'm talking large figures. I'm trying to stay as calm as possible because I've never had to deal with this large amount of money. If i end up getting this kind of amount then I'm gonna have to handle it rationally. Which is kind of hard right now because I'm in the mindset of "My grandparents can die this year.". Ugh I did not expect this morning to go like this but I'm trying to emotionally handle this.

I'm in a college classroom for the first time in a few years, and there's a middle aged student in here who is driving me up the wall. "Do you have a job?" The instructor asks her. "Yes, I'm a full time mommy to my nine year old girl, but my hubby and I will be a real Power Couple when I finish here." Gag me. [editline]23rd January 2017[/editline] [QUOTE=ljh;51713286]whoahwhoa alright. my grandma collapsed on the floor yesterday. My mom's been talking about my grandparents sending very large amounts of money to both my sister and I. I'm talking 100k euro figures. I'm trying to stay as calm as possible because I've never had to deal with this large amount of money. If i end up getting this kind of amount then I'm gonna have to handle it rationally. Which is kind of hard right now because I'm in the mindset of "My grandparents can die this year.". Ugh I did not expect this morning to go like this but I'm trying to emotionally handle this.[/QUOTE] I'm sorry to hear about your grandma, man. I would very seriously recommend immediately reaching out to a financial advisor, or even placing the entire amount into an account that you can't touch for a year or so, so that you can take some real time to ponder on the best possible use of the funds before you spend them on a whim. I had a friend who received a substantial inheritance from her mother, and ended up spending it on a new car and a few months of travel. She blew it all quite quickly, and realized it didn't go nearly as far as she was hpping

[QUOTE=Big Dumb American;51715691]I'm in a college classroom for the first time in a few years, and there's a middle aged student in here who is driving me up the wall. "Do you have a job?" The instructor asks her. "Yes, I'm a full time mommy to my nine year old girl, but my hubby and I will be a real Power Couple when I finish here." Gag me. [/QUOTE] I like engineering school because dummies like that failed out after the first term along with 1/3 of the class and I don't have to deal with them ever again.

I went to Community College for awhile, and there were a ton of middle aged students taking classes there. They always sat up front, always chatted to the professor, always asked questions about everything, and always said cringy things like what BDA described.

[QUOTE=Big Dumb American;51715691]I'm in a college classroom for the first time in a few years, and there's a middle aged student in here who is driving me up the wall. "Do you have a job?" The instructor asks her. "Yes, I'm a full time mommy to my nine year old girl, but my hubby and I will be a real Power Couple when I finish here." Gag me. [editline]23rd January 2017[/editline] I'm sorry to hear about your grandma, man. I would very seriously recommend immediately reaching out to a financial advisor, or even placing the entire amount into an account that you can't touch for a year or so, so that you can take some real time to ponder on the best possible use of the funds before you spend them on a whim. I had a friend who received a substantial inheritance from her mother, and ended up spending it on a new car and a few months of travel. She blew it all quite quickly, and realized it didn't go nearly as far as she was hpping[/QUOTE] Yeah fortunately I've been raised to have discipline, so handling my money will not be a problem. I was already thinking of putting it somewhere on hold. So I can take the time to educate myself on handling large amounts of money. It's just my emotions are a bit fluctuating right now. Just have to start getting the right information on capital management. PS your classmate sounds like ass

So I just got off a 16 hour shift and got pulled over. Just ended up with a failure to show proof of insurance ticket because my car's a mess right now from some crazy hours. It's a stupid easy contest, I have insurance, but the problem is with my court time and the location of the court I'd have to take over an hour off work to show up. I make more an hour than the ticket is. The right call is just to pay it and not contest, right?