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

[QUOTE=LordCrypto;52640911]lose the header graphic jesus[/QUOTE] I mean this in the nicest way possible but why? I know the last one was bad but this one seems simple enough to stand out and but not be super distracting. My mom want to be involved because im living in their house and am trying to find work after graduating. I want to get out of here lol.

[QUOTE=Dbot;52640930]I mean this in the nicest way possible but why? I know the last one was bad but this one seems simple enough to stand out and but not be super distracting.[/QUOTE] Headers aren't attractive. They take up a lot of room but don't really say anything about an applicant. They're just a lot of dead space and unfortunately the graphic design element of it doesn't really factor in to hiring you for 99.9999999% of the jobs you'll do in the real world. My rule for resumes is keep them clean, easily legible, and not very busy. It isn't the most attention grabbing method there is, but being too easily visible can be a negative too in the hiring process.

a. you'll make any HR person who has to print your resume hate you b. it's just pointless

Ok then i'll get rid of it, that's all I needed to hear. Now to start from square one lol. Thanks for the help!

Speaking of resumes, thoughts on objective statements? I had one on my resume for a while but i decided to take it out to make room for another project + job experience [QUOTE=LordCrypto;52640690][t]https://i.imgur.com/wsXFy3Y.png[/t] i've been tweaking mine a bunch, but this is what i've been working with lately [editline]2nd September 2017[/editline] also if you're applying for 12-14 an hour shit they don't care about your photography, they need to know you can cashier[/QUOTE] I like this, give template pls

[QUOTE=Dbot;52640897][t]https://i.imgur.com/daKjQbh.png[/t] This is my old one. Tbh I wanted to keep it simple but my mom had to go full on graphic design on it.[/QUOTE] Also important would be to -Make your name the header, don't let it blend in with your email/phone/site -Don't underline your email/phone/site with ctrl+u. If you want a line there then type "---" below it and hit enter, Word will automatically put a horizontal line there that looks much more professional -Add months to your dates -Your past employment should be past tense, only your current job should be in present.

Don't do objective statements or summaries. The employer knows that your objective is to get a job. There's no point to them anymore.

Should I even make a resume if I don't have anything to put on it? Cuz I don't have one and it makes me feel like giving up when I go to apply for a job and they just have an upload resume form or if it's just an ad with "send us your resume". The thing I don't understand is why someone hiring for a low paying entry level position would even want to see resumes anyway, it makes no sense. Why not just have a standard application form like everyone else?

[QUOTE=J Paul;52641618]Should I even make a resume if I don't have anything to put on it? Cuz I don't have one and it makes me feel like giving up when I go to apply for a job and they just have an upload resume form or if it's just an ad with "send us your resume". The thing I don't understand is why someone hiring for a low paying entry level position would even want to see resumes anyway, it makes no sense. Why not just have a standard application form like everyone else?[/QUOTE] You definitely have stuff to put on it. Unless you've sat on a couch being a human potato up to this point in your life, you have stuff to put there. Resumes are really just a professional lie/sales pitch on yourself. People don't have the time to double check every aspect of your resume, so they don't. I've made some of my jobs sound a lot fancier than they were because they had a title that implied more responsibility than I had.

[QUOTE=J Paul;52641618]Should I even make a resume if I don't have anything to put on it? Cuz I don't have one and it makes me feel like giving up when I go to apply for a job and they just have an upload resume form or if it's just an ad with "send us your resume". The thing I don't understand is why someone hiring for a low paying entry level position would even want to see resumes anyway, it makes no sense. Why not just have a standard application form like everyone else?[/QUOTE] If you have absolutely no work experience and you're trying to get a job that isn't in the no-skill, minimum wage, service industry category (retail, grocery, fast food) then good luck even with a resume. If you are applying for one of those minimum wage jobs then you can probably get away with not having a resume.

[QUOTE=J Paul;52641618]Should I even make a resume if I don't have anything to put on it? Cuz I don't have one and it makes me feel like giving up when I go to apply for a job and they just have an upload resume form or if it's just an ad with "send us your resume". The thing I don't understand is why someone hiring for a low paying entry level position would even want to see resumes anyway, it makes no sense. Why not just have a standard application form like everyone else?[/QUOTE] It's a standard HR process, tick box exercise. For one it shows you have the ability to write in proper English.

Well guys, after 23 years of living with my parents, i am buying a house. Thats is, i am buying my parents house From them They used a heloc on the house to buy a cheaper house straight out, then my fiance and i will be making payments on their heloc on their behalf. We have a payment plan to have it paid off in 15 years, and at any point if either we or my parents get cold feet, ill go get a conventional loan from the bank and buy them out no questions asked. Im excited to get the place set up as my own, but itll take my parents a month or two to get the new place fixed up and moved into. Between the little bit of work this house needs, the price we worked out, the 6% saved from realators fees, the 19k i put down, and an early wedding present of some equity, i figure weve got around 35k equity on a 195k house right off the bat. I make 60k a year and my fiance makes 30k, and we got a joint savings account opened up that well use to pay for house stuff and save for the wedding in about a year. Financial responsibility woot

How much should be spent on food each month? I only eat 1-2 a day, and obviously food is more expensive in Scandinavia.

[QUOTE=The bird Man;52649063]How much should be spent on food each month? I only eat 1-2 a day, and obviously food is more expensive in Scandinavia.[/QUOTE] Less than 20% of your income? If you're able to cover transportation to work, rent, bills, and utilities then you're pretty much good to go to spend whatever you want on food. Saving money is cool though so you should probably do that too.

[QUOTE=The bird Man;52649063]How much should be spent on food each month? I only eat 1-2 a day, and obviously food is more expensive in Scandinavia.[/QUOTE] For budgeting / wage distribution. 50 / 30 / 20 Cost of living / Savings / Fun. 50/50 Cost of living / Savings. Until you have a 6 month emergency fund, I dont care how secure your job is.

[QUOTE=Pascall;52635984]I would but between classes twice a week, the homework that comes with it, my internship, my freelancing work, helping to care for my one year old niece, and the tiny, extremely flexible part-time job that I DO have, I literally have no time to have another job. My freelancing pays a little bit but it's obviously not guaranteed.[/QUOTE] Can you ask the doctor if they can change the meds to cheaper ones? Tell him directly you had no money. Usually they tried to give the 'best' ones if possible, which might include multiple or more expensive meds, but usually there are cheaper alternatives.

I have a new apartment that I'm moving into. I won't have a lot of money as rent takes a big chunk out of what I get. Does anyone have good tips on food? What's a good diet when you can't afford anything?

[QUOTE=WhiteGirl88;52664895]I have a new apartment that I'm moving into. I won't have a lot of money as rent takes a big chunk out of what I get. Does anyone have good tips on food? What's a good diet when you can't afford anything?[/QUOTE] Soups and pastas. Make a lot on the weekend and store and reheat

[QUOTE=WhiteGirl88;52664895]I have a new apartment that I'm moving into. I won't have a lot of money as rent takes a big chunk out of what I get. Does anyone have good tips on food? What's a good diet when you can't afford anything?[/QUOTE] rice and chicken breasts ramen and eggs pasta and meat sauces learning to cook from scratch is great, you don't need to go to the ends of the earth to make good food if you know what you're doing

[QUOTE=WhiteGirl88;52664895]I have a new apartment that I'm moving into. I won't have a lot of money as rent takes a big chunk out of what I get. Does anyone have good tips on food? What's a good diet when you can't afford anything?[/QUOTE]Do what they said and also try to find a farmer's market or something like that for cheap vegetables. Depending on the size of your city one shouldn't be too far.

Kind of a weird place to ask this, but I'm looking for a mechanical engineering degree, and TN Tech is nearby me. I've done some research and it seems fairly decent, but i'm unsure. Does anyone know if it's decent or if I should look some where else?

[QUOTE=WhiteGirl88;52664895]I have a new apartment that I'm moving into. I won't have a lot of money as rent takes a big chunk out of what I get. Does anyone have good tips on food? What's a good diet when you can't afford anything?[/QUOTE] Whitegirl88 is banned at the moment, but I know some of the rest of you might be interested. Who doesn't love to save money but still eat like a king? A good diet is one that is subject to constant change. Don't skimp on veggies, or you'll pay for it later on with medical bills. Cruciferous vegetables and dark greens like spinach will help keep you well and they aren't too expensive. Sweet potatoes and potatoes (with skin, a great source of potassium) are good carb choices. Grab a slow cooker ("crockpot"), it might change the way you live. Tough cuts of meat like pork shoulder are really cheap, on the order of $1.50/lb. I've seen chicken quarters on sale for 89¢/lb, good meat and bones that can be saved for a nice broth. I did a write up for a different thread recently: [quote]Chicken works well, provided you aren't trying to cook boneless chicken breasts. Try bone in thighs, crisped under a broiler, cooked slow in a shallow broth. To get the most out of your slow cooker, you need to recognize the strengths it has, its weaknesses, and the types of ingredients best suited to it. Low sustained temperatures work best with pieces of meat that have a large amount of connective tissue and fat. Lean cuts like tenderloins and breast from any animal tend to end up quite dry. Vegetables tend to fall apart if not added close to the completion of cooking ~30-45 min. Herbs tend to do best added about this time as well, as they contain volatile oils that tend to evaporate before you get the chance to eat. The best thing to do is go experiment with different spice blends. When possible sear meat with a cast iron skillet before placing it in the slow-cooker. The best cuts to try are things like chuck roast (beef) and Boston butt (pork shoulder, usually only around $1.50/lb where I live). The less attractive it would be as a source for steak the better it will probably be. Pick a rich, dense cut. Sear the outside with coarse salt and pepper, and put into your cooker. Add a bit of stock to the base of your meat, just enough to cover the bottom inch or so of the meat. Add browned onion (a tiny pinch of baking soda bicarbonate greatly speeds up the process when you cook them in a pan with oil), spices, and something sweet like minced tomato. Cook on low for 6-8 hours, if it seems overdone cook it longer - connective tissue rich cuts need time to break down. Once tender, add something acidic like lemon to taste. The same general concept can be modified to make virtually any style of meat. For the liquid you can substitute things like salsa/cola/barbeque sauce for the broth. To come up with a recipe, use charts like this one: [img_thumb]http://i.imgur.com/DCd0syb.png[/img_thumb][/quote] Also: Milk, homemade yogurt (crockpot again), eggs, beans, rice, potatoes, cabbage, kale, carrots, anything seasonal. Gardening in planters can help lower your bills. Herbs grown in small pots save a lot of money compared to flavorless dried herbs. Home made bread is very easy to make, is very filling, and can be adapted to have fillings or flavors. Try a sourdough starter, makes super healthy stuff. Check your grocery store and see if they have a discount vegetable rack and a place for "sell by (tomorrow)" meat. Some cuts of steak are better with some age, drying out a bit helps them brown. Want a treat? Ask your butcher if you can have them cut you some chuck eye steaks. There's a small muscle that runs through the Chuck roast that makes wonderful steaks. (Very tender, rich steaks). If you buy in bulk, it may be feasible to cut the steak from the rest of the shoulder.

My first rehab project is going swimmingly so far, though the budget is tighter than we had initially planned for. I met with the buyers, a designer, and our contractor at the wholesale contractor supply store this afternoon. The designer helped the buyers custom design their new kitchen and bathrooms, and pick out new flooring for the basement and landing. It was a pretty exciting afternoon! I'm also going to one of my rehab partner's other projects tomorrow to assist with the demolition of the old shit. It'll be my first time getting my hands dirty in a rehab, so I'm a bit chuffed/nervous. In a bit of bad news, our first investor dropped out. He was "supposed" to be investing about $10,000 with us to finance our first fix and flip property, but got cold feet. So, before we can take on our own project (rather than just working on behalf of other buyers), we'll have to either raise the $10k ourselves or find a new investor. Since I am pretty sure that I don't have ten thousand dollars lying around, it will probably be the second. Boo.

[QUOTE=Big Dumb American;52672893]My first rehab project is going swimmingly so far, though the budget is tighter than we had initially planned for. I met with the buyers, a designer, and our contractor at the wholesale contractor supply store this afternoon. The designer helped the buyers custom design their new kitchen and bathrooms, and pick out new flooring for the basement and landing. It was a pretty exciting afternoon! I'm also going to one of my rehab partner's other projects tomorrow to assist with the demolition of the old shit. It'll be my first time getting my hands dirty in a rehab, so I'm a bit chuffed/nervous. In a bit of bad news, our first investor dropped out. He was "supposed" to be investing about $10,000 with us to finance our first fix and flip property, but got cold feet. So, before we can take on our own project (rather than just working on behalf of other buyers), we'll have to either raise the $10k ourselves or find a new investor. Since I am pretty sure that I don't have ten thousand dollars lying around, it will probably be the second. Boo.[/QUOTE] Can you not go to the bank with a business plan? Business loan, secure it against the property.

[QUOTE=Boss;52674181]Can you not go to the bank with a business plan? Business loan, secure it against the property.[/QUOTE] It's not that simple, chances are they already have the highest LTV rehab loan they can get. You can only finance up to something like 105% of final value and that's if you get special programs and shit, which typically aren't available for rehabs. Now getting an unsecured loan would work, but who knows if BDA or his investors have the cash flow to qualify for one this early into the game.

[QUOTE=Dysplasia;52674252]It's not that simple, chances are they already have the highest LTV rehab loan they can get. You can only finance up to something like 105% of final value and that's if you get special programs and shit, which typically aren't available for rehabs. Now getting an unsecured loan would work, but who knows if BDA or his investors have the cash flow to qualify for one this early into the game.[/QUOTE] Our total loan, including rehabilitation costs, cannot exceed 65% of the after repair value of the property. The private money lender we're going through has fairly strict criteria. The upside is that we can ultimately wrap all expenses into that 65% and pay nothing out of pocket after our first project is completed. Our longer term goal is to eventually be able to fund our own projects with cash, or at least to pad out the budget a bit beyond the margins given by the PML, however, because the strict lending criteria on this end up eliminating a ton of potentially great deals that don't fall within those exact margins. Like I was saying, the only hurdle right now is that we do need to provide a minimum of $10k of our own money on the first deal. I know that my partner (who is in charge of securing financing) [I]has[/I] considered taking out a loan to cover the initial $10k, but would rather provide it in cash. If we're unable to find an investor to cover the initial fee, he'll likely take on side jobs until he can cover the cost himself, or at least only have to take out a very minimal loan. I'd put the money in myself, if I could, but the BDA Household bank account is still looking pretty sad.

wow so in 2015 i was big into dogecoin mining, really just for fun. Ive been repairing my pcs from years gone by and i just recovered my wallet with 104 mbtc from my meme coin days. shits worth 400 bucks now, im pretty sure when i did the transfer from doge to mbtc it was worth a bit over 20 bucks? i feel like this is a sign to invest more

[QUOTE=Big Dumb American;52677719]Our total loan, including rehabilitation costs, cannot exceed 65% of the after repair value of the property. The private money lender we're going through has fairly strict criteria. The upside is that we can ultimately wrap all expenses into that 65% and pay nothing out of pocket after our first project is completed. Our longer term goal is to eventually be able to fund our own projects with cash, or at least to pad out the budget a bit beyond the margins given by the PML, however, because the strict lending criteria on this end up eliminating a ton of potentially great deals that don't fall within those exact margins. Like I was saying, the only hurdle right now is that we do need to provide a minimum of $10k of our own money on the first deal. I know that my partner (who is in charge of securing financing) [I]has[/I] considered taking out a loan to cover the initial $10k, but would rather provide it in cash. If we're unable to find an investor to cover the initial fee, he'll likely take on side jobs until he can cover the cost himself, or at least only have to take out a very minimal loan. I'd put the money in myself, if I could, but the BDA Household bank account is still looking pretty sad.[/QUOTE] Wait, I'm confused. What's the $10k for if you have a loan that can already cover it (65% or whatever)?

[QUOTE=thrawn2787;52682960]Wait, I'm confused. What's the $10k for if you have a loan that can already cover it (65% or whatever)?[/QUOTE] It will be our first project with this particular lender, and they require a down payment on our first loan to prove commitment, essentially. I suppose that, in addition to vetting their candidates for experience, the initial buy-in serves as a minor barrier to help weed out investors who aren't terribly serious. After we've successfully completed our first trade under this loan program, we'll no longer be required to put down any money out of pocket, excepting anything in excess of the 65% LTV. I could have explained that better the first time! My bad.

[QUOTE=Big Dumb American;52677719]Our total loan, including rehabilitation costs, cannot exceed 65% of the after repair value of the property. The private money lender we're going through has fairly strict criteria. The upside is that we can ultimately wrap all expenses into that 65% and pay nothing out of pocket after our first project is completed. Our longer term goal is to eventually be able to fund our own projects with cash, or at least to pad out the budget a bit beyond the margins given by the PML, however, because the strict lending criteria on this end up eliminating a ton of potentially great deals that don't fall within those exact margins. Like I was saying, the only hurdle right now is that we do need to provide a minimum of $10k of our own money on the first deal. I know that my partner (who is in charge of securing financing) [I]has[/I] considered taking out a loan to cover the initial $10k, but would rather provide it in cash. If we're unable to find an investor to cover the initial fee, he'll likely take on side jobs until he can cover the cost himself, or at least only have to take out a very minimal loan. I'd put the money in myself, if I could, but the BDA Household bank account is still looking pretty sad.[/QUOTE] ...that is pretty strict. A private money lender? I hope you know who you're dealing with. Even GSEs aren't that strict on rehab loans - up to 85% on investment properties. Do you guys just not have the cash flow history or credit to go a safer, cheaper route?