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

[QUOTE=Purple Gecko;50020434]I'm only a semi adult but i need some adult advice. How do I go about applying to University in the United Kingdom? What sort of things should I do to make myself stand out? How should I prepare myself for things like interviews? What do I put on a CV? I don't think my school has done a good job of answering these questions so if anyone here could answer anything it'd be greatly appreciated.[/QUOTE] If you're from the UK and you're applying for an undergraduate course then you do so through [URL="https://www.ucas.com/"]UCAS[/URL]. You most likely won't be required to attend an interview or upload a CV if you have the adequate qualifications, although this varies from degree to degree and university to university.

Well, im finally taking my first step to adulthood. I applied for a job

[QUOTE=Megaman1811;50022641]Well, im finally taking my first step to adulthood. I applied for a job[/QUOTE] The next step is to open a letter from the company you applied to just to find out you were rejected. [sp]Keep applying anyway, you'll get one eventually[/sp]

[QUOTE=Lone Wolf807;50021055]I'm not sure how ya'll do it over in GB but don't you guys have guidance counselors? I'd see if you can find anything out from them if you do have them.[/QUOTE] on break r/n not going back for a couple of weeks yet.

I'm in my mid-20's, I started my career when I was 17 and moved out at the same time. I've been with the same company ever since. I've rented rooms twice for several years each time before getting an apartment, but I've been *mostly* self-sufficient since I was 15. If anyone has any questions I'd be happy to answer them. Feel free to PM me too.

I started reading an interesting book called "Traction: How Any Startup Can Achieve Explosive Customer Growth." It is essentially a guide to the different kinds of marketing, how they relate to each other, and how you can use them to grow your customer base. I'm only about an hour in, but I can tell it's a good one! Would already recommend it to anybody who needs to generate their own leads/customers.

So I'm 22 and I'm in a dead end job I hate, every time I bring up quitting and pursuing something better or taking a short bit of time to discover what path I really want to go down, my parents get so mad at me. My job nearly got me killed a couple of weeks ago and I'm still expected to be okay with this job. Desperately searching for a career where I wont have to waste so many hours, risk my life and where I'll get paid better.

[QUOTE=orcywoo6;50023731]So I'm 22 and I'm in a dead end job I hate[/quote] What is your job? Leave it. If you aren't passionate about what you do, it's not worth the effort to do. [quote]every time I bring up quitting and pursuing something better or taking a short bit of time to discover what path I really want to go down, my parents get so mad at me.[/quote] Are you dependent on them for anything? If not, who cares. It isn't their call to make anymore. [quote]My job nearly got me killed a couple of weeks ago and I'm still expected to be okay with this job.[/quote] Do you have similar to OSHA regulations and workman's comp in place at work to protect you against this kind of stuff? If not, OSHA (in the US) loves to fine (I'm sure yours does too), you should contact whatever your country's equivalent is. [quote]Desperately searching for a career where I wont have to waste so many hours, risk my life and where I'll get paid better.[/QUOTE] Do you have any qualifications? Degrees, work experience, personal projects? What is your resume looking like?

[QUOTE=Pascall;50014630]I've been in college for almost 6 years trying to get my Bachelor's degree so I can teach. It's definitely not worth the debt just to get a certificate that says I can do what I've already been doing, just after school. But without it, I can't teach during the school day so.. It's kinda balls. And what makes it worse is that if I really want a shot at a higher paid position and influence in education, I'm gonna have to get my PhD. Which is nice in theory and I'm excited to get to that point but the debt alone may cut that dream short before it goes anywhere. So idk. I guess just make sure you have a plan and be smart with college loans. Only borrow what you need, take advantage of scholarships or grants via financial aid.[/QUOTE] What sort of teaching career are you trying to pursue?

[QUOTE=Big Dumb American;50023530]I started reading an interesting book called "Traction: How Any Startup Can Achieve Explosive Customer Growth." It is essentially a guide to the different kinds of marketing, how they relate to each other, and how you can use them to grow your customer base. I'm only about an hour in, but I can tell it's a good one! Would already recommend it to anybody who needs to generate their own leads/customers.[/QUOTE] Have you read/heard anything about Peter Thiel's Zero to One? Been wanting to read that.

[QUOTE=Revenge282;50023941]What is your job? Leave it. If you aren't passionate about what you do, it's not worth the effort to do. Are you dependent on them for anything? If not, who cares. It isn't their call to make anymore. Do you have similar to OSHA regulations and workman's comp in place at work to protect you against this kind of stuff? If not, OSHA (in the US) loves to fine (I'm sure yours does too), you should contact whatever your country's equivalent is. Do you have any qualifications? Degrees, work experience, personal projects? What is your resume looking like?[/QUOTE] As cathartic as I'm sure it would be to simply walk out the door and not come back, it's pretty important to balance passion with pragmatism. Prepare yourself to leave your crushing dead end job, by all means, but have a well planned exit strategy. Have other opportunities waiting the moment you walk out the door, and have an emergency fund set aside to cover some expenses for a while in case any of those opportunities fall through. There's nothing wrong with leaving a job you aren't happy with, but don't cut off your nose to spite your face, you dig? [editline]28th March 2016[/editline] [QUOTE=OvB;50024002]Have you read/heard anything about Peter Thiel's Zero to One? Been wanting to read that.[/QUOTE] It's been in my suggested reads list, but I haven't gotten around to that one yet. Probably will eventually, though! I'm going through audiobooks like an addict. I spend most of my day in the car for work, so I just spend all day listening to books and making bookmarks at any notable bits I want to refer back to later. In the past eight months or so, I've read: [I]Rich Dad Poor Dad Rich Dad's Guide to Investing The ABC'S of Real Estate Investing Loopholes of Real Estate: Secrets of Successful Real Estate Investors Free Marketing: 101 Low and No-Cost Ways to Grow Your Business The Psychology of Selling: The Art of Closing Sales The Sales Bible: The Ultimate Sales Resource Financial Peace Revisited Influence: Science, Practice, and Art Negotiation Genius: How to Overcome Obstacles and Achieve Brilliant Results at the Bargaining Table and Beyond 5 Hour Work Week $100 Startup If You're Not First, You're Last: Sales Strategies to Dominate Your Market and Beat Your Competition Start Your Own Corporation: Rich Dad Advisor Series The Millionaire Real Estate Agent How to Win Friends and Influence People The 7 Habits of Highly Effective People The Book on Rental Property Investing[/I] On my wishlist, I've got: [I]The Little Book That (Still) Beats the Market Permission Marketing The Tipping Point: How Little Things Can Make a Big Difference The Mackay MBA of Selling in the Real World The Millionaire Real Estate Investor The Challenger Sale: Taking Control of Customer Conversation Rework The Art of the Start 2.0 Delivering Happiness: A Path to Profits, Passion, and Purpose First Time Landlord: Your Guide to Renting Out a Single-Family Home[/I] Basically anything to do with sales, marketing, real estate, investing, and business success in general. My wishlist is growing faster than I can churn through books, so I doubt I'll ever stop reading and learning. I want to be a real expert at this stuff! If you have any suggestions, please toss them my way.

[QUOTE=Big Dumb American;50009266]I generally agree with the idea that we should avoid debt and use credit cards sparingly, but it is necessary to build up a credit profile if you want to qualify for fair loan terms on cars, houses etc. I use my credit card only n for non-recurring expenses such as vet bills, car repairs, etc. Even then, I won't exceed $500 owed, even though my limit is $2600. My minimum payment is $25/month, but I make payments of $75-100/month. Always on time (have my bank scheduled to automatically submit the minimum payment each month, and then I manually send any extra). Keeps my credit score high, my interest payments low, and leaves over $2000 on tap in case of emergencies. [editline]26th March 2016[/editline] Some things can't be realistically saved for. Unless you're making buku bucks, you're unlikely to ever be able to afford to buy a house outright with cash. I appreciate the Grant Cardone philosophy of never accruing debt by buying everything in cash, but that isn't possible for most people. Loans are necessary parts of life for the majority. As far as the bank needing a credit record, I hear what you're saying, but you gotta consider the lender's position too. The lender doesn't want to risk lending money to somebody who is unlikely to honor the debt. A credit record lets the lender say, "oh, okay. Mr. Chopstick always pays his debts on time. He's probably safe to give our money to." Or, alternatively, "Jeez, this Mr. Chopstick is not very reliable. I don't think I want to take that risk!" Banks aren't concerned about how responsible you are for avoiding debty. They only care about one thing: [I]will we get our investment back?[/I] If you have no credit history, or a very limited one, it's much harder to gauge how likely you are to honor the debt when or if a lender gives you money. So you may not qualify for a loan, and any loans you can get will have much harsher limits.[/QUOTE] I don't even look at credit cards the way they actually are; a digital loan. Instead, I like thinking of them as a convenient digital transaction. I always pay the full amount, because I hate the idea of carrying a balance. To me, it is a slippery slope. I try to also subscribe to the net worth mentality over paycheck mentality, in that even if a total monthly spending is more than a single paycheck, if your total savings is still comfortable, then it's possible to be ok with it. In the past 6 or so months, I've spent probably 3x as much as I did in the past 18 months prior. But, I at least still have a healthy savings of about $5k. Granted, even though I make an absolute shit wage of $8/hr, I thankfully have most expenses still covered by living at home. Therefore, I can at least save more of my money than probably most people making that wage. Can't live like that forever though, so I'm hoping I make some progress before things catch up to me! [QUOTE=Big Dumb American;50009433]About 80% of university students end up changing their major at least once, so don't feel too dang bad about that. As far as your disillusionment with college as a whole? Well, I can relate. I think my advice on the subject would probably differ from the majority's, though. I spent years trying to find my place with college and careers. Changed course over and over. [I]Maybe I want to be an architect? No, I actually hate this. Maybe I want to do Computer Aided Design/Drafting? Nah, this bites too. Maybe I want to be an engineer? Yikes, nope. I know! I want to be an oceanographer! Explore the seas with my trusty unmanned submersible! Well... Maybe not. Business? I could be an entrepeneur![/I] Everything I thought I wanted to do I ended up disliking, or it ended up interfering too heavily with the kind of life I wanted to live. Oceanography, for example, was thrilling, but it was also an entire lifestyle. It would have entailed moving halfway across the country, spending many years studying, then working a schedule that has me away from home for weeks, even months at a time. While that sounded fun and romantic at first, ss I started thinking seriously about family and the future, it just didn't jive with what I really wanted. I finally hit a chord with business. It spoke to me, lined up with everything I wanted in life, gave me the flexibility to do just about anything, go anywhere. Three grueling semesters of school later, I started to realize that I was learning more on my own time reading books I had gotten myself than I ever had in class, and at a [I]much[/I] faster rate. Already disillusioned with college, I dropped it completely and dedicated myself to self-study. I have learned so much more than I ever would have been able to in school, and the path that I chose for my life doesn't require a degree. All you need to become a realtor, which is the first major step in my overall career goals, is a simple license that can be acquired within a few months of studying. While everything I want to accomplish does demand education, it does not require a degree. I can learn everything I will need to succeed, and then some, through dedicated self-study. I may very well go back one day to take my education to the next level, but for the time being I would rather focus on achieving my financial goals. I guess the point of this windy post is just to say that college is not for everybody. While the conventional course is to go spend 4-6 years getting a degree and then finding a nice job to settle into, this is not the [I]only[/I] course. The alternative is riskier and more limiting, but not necessarily worse. I'm not going to tell you to put your head down and get your degree, or to drop out and take your chances. Suggesting either for you would be irresponsible. Instead, I'd just advise you to take some time to seriously contemplate your life goals and determine whether that degree is necessary for you to accomplish them. In most cases, it probably will be, but not [I]always.[/I][/QUOTE] Damn BDA, I really like your philosophy on working towards goals in life. A couple years ago I had the no-school philosophy, but I never found an effective method to make it work, so I ended up getting back in to it (school). It's made some improvement for my potential in the future, but unfortunately I feel I still have a long, slow progressing path ahead of me. That is, unless I get an opportunity or two that can really shake up my current lifestyle and allow me to support myself financially much better.

[QUOTE=LSK;50023982]What sort of teaching career are you trying to pursue?[/QUOTE] Right now? I just want to teach art at any level, K-12. But ultimately, I want to be in a higher position. Principal, or even greater, I want to be able to open up my own charter school.

[QUOTE=RIPBILLYMAYS;50022919]The next step is to open a letter from the company you applied to just to find out you were rejected. [sp]Keep applying anyway, you'll get one eventually[/sp][/QUOTE] Or even better, not getting any response at all! 3 times in a row!

Sup guys, i've been in the startup world for two years today and got fired from my marketing manager job pushing skin creams and supplements (beard, muscle, sleep, etc to people). Comes in at a total shock to me, as not only did i get fired, but my entire team did as well. This is extremely weird as our new ideas made the company x million dollars profit this past month under my new management styles, yet we all got the boot today. Now i'm kinda stuck with my new found freedom to do whatever i want, whether its a new startup, go work at ubisoft, do real estate, or anything i'd like honestly. The problem is i'm stuck between real estate and visual effects for video games. I've been wanting to learn to do project management for say, building apartment complexes or condominiums so i can eventually start my own development company. Only experience i have is reading books, the millionaire real estate investor, commercial mortgages 101, and then just personal experience i've had trying to secure an investment to build 100 condos in belize which was a self taught adventure through being mentored by a top notch realestate guy. I also really love visual effects and i'm a hell of a good artist, but the entrepreneurial side of me just wants to go out there and provide value, make some money while i'm at it and travel around the world meeting up with like minded people and just doing me. I worked for a startup company last year that made a nano-tech product, got to live in indonesia for a few months because of it and got an extreme amount of experience dealing with investors and learning what it's like to lose hundreds of thousands of dollars of said investor money, and feeling said wrath. I don't want this to be the end of my journey venturing out into my life on my own, as i moved to the west side of the united states with a one way ticket to learn from a guy, who said he'd mentor me, who i met on a forum. He said, buy a ticket, fly out here and we'll figure out the rest. He's currently like "shrug", not my fault you got fired bruh. I just know i need money fast, got about 2-3 months worth of savings depending on how i play my cards, else i'm fucked.

[QUOTE=jangalomph;50024596]Sup guys, i've been in the startup world for two years today and got fired from my marketing manager job pushing skin creams and supplements (beard, muscle, sleep, etc to people). Comes in at a total shock to me, as not only did i get fired, but my entire team did as well. This is extremely weird as our new ideas made the company x million dollars profit this past month under my new management styles, yet we all got the boot today. Now i'm kinda stuck with my new found freedom to do whatever i want, whether its a new startup, go work at ubisoft, do real estate, or anything i'd like honestly. The problem is i'm stuck between real estate and visual effects for video games. I've been wanting to learn to do project management for say, building apartment complexes or condominiums so i can eventually start my own development company. Only experience i have is reading books, the millionaire real estate investor, commercial mortgages 101, and then just personal experience i've had trying to secure an investment to build 100 condos in belize which was a self taught adventure through being mentored by a top notch realestate guy. I also really love visual effects and i'm a hell of a good artist, but the entrepreneurial side of me just wants to go out there and provide value, make some money while i'm at it and travel around the world meeting up with like minded people and just doing me. I worked for a startup company last year that made a nano-tech product, got to live in indonesia for a few months because of it and got an extreme amount of experience dealing with investors and learning what it's like to lose hundreds of thousands of dollars of said investor money, and feeling said wrath. I don't want this to be the end of my journey venturing out into my life on my own, as i moved to the west side of the united states with a one way ticket to learn from a guy, who said he'd mentor me, who i met on a forum. He said, buy a ticket, fly out here and we'll figure out the rest. He's currently like "shrug", not my fault you got fired bruh. I just know i need money fast, got about 2-3 months worth of savings depending on how i play my cards, else i'm fucked.[/QUOTE] Damn, dude. For whatever it's worth, with your entrepneurial drive, I doubt you'll find yourself in rough spot such as this for long. I really admire your determination, and, for what its worth, there are probably very few self-made millionaires out there who didn't experience their own fair share of setbacks. If you don't mind my asking, how is it that you got your start on this roller coaster? In particular, how did you end up having your own mentor? While I'm learning a lot from reading the works of the many experts who came before me, having an experienced mentor to consult would be a hugely invaluable asset, and it's not the kind of thing I know how to find without just stumbling into the situation. What's worse, there are so many people out there looking to prey on ambitious, but naive, folks such as myself through bogus mentorship programs costing tens of thousands of dollars and offering little actual instruction beyond a couple of simple canned suggestions. I fear that in hunting for a mentor, I could be attracting the wrong kinds of folks. For clarification, though, is the "top notch real estate guy" who helped you through your foray into international real estate deals the same mentor who brought you out to the other side of the country? I get the impression that whoever you're working with right now is leaving you pretty frustrated, whereas you respect and admire the Belize Condo fellow. [editline]28th March 2016[/editline] Also, what caused the startups of your previous team to fail? Much as I'm sure that might have sucked for you and your associates, failure can be highly instructive. What mistakes did that team make, what did you learn from them, and is there any advice you could offer based on that?

If you wanna read my story and subsequent posts and lessons, check it out here: [URL]http://www.thefastlaneforum.com/community/threads/a-year-of-the-fastlane-become-golden-stay-golden.61463/[/URL] I learned a metric fuckton over the past two years now, and I found my mentor through a stroke of luck honestly. He had an offer to other entrepreneurs on the forum i linked above and i made it into the top 6 out of over 3,000 applicants. He said that i was a shit head and he didn't want to mentor me. I became a machinist and worked in a factory for 8 months, then called him back up and said i bought a ticket and i'd be flying out to him anyway. I kinda threw myself at him. I told him i had no other choice but to learn and that i'd do anything he wanted, including living under a bridge and working for free. So, i worked for free for a while, and built up a nanotech company becoming chief technical officer and gradually got paid (cheaply). It's been one hell of a journey so far, and i'd highly recommend you read my entire thread from the above link. I have been through an immense amount of pain while doing entrepreneurship, but i love it. And you just have to eat a lot of shit to make it in the world of business. From tremendously bad breakups, to losing hundreds of thousands in investor money, parties on skycrapers, near death experiences on motorcycles, and huge successes in closing deals, making tons of money, and then it all come crashing down due to (dumb and unforseen) mistakes have been part of my journey and I embrace it by writing about it. In short though, to get a mentor, find someone you admire in X company, and pick up the phone and call them. It's what i did.. and it has worked more than once. I haven't paid a dime to learn from my mentor and I shouldn't have to. I learn, he learns, and its fantastic. It's gotten to the point to where I actually mentor a guy now in business and life through my own experiences and what i've learned. He won my mentorship by showing me he's ready to kick ass. EDIT: Also don't ask terrible questions to a prospect mentor. Ask very specific, calculated questions based on what it is you want to know. If you want to know how to develop condos, call someone who's done it, and ask them if you could have lunch with them. Be prepared to get mentally destroyed by this person as they'll ask YOU things you didn't even think of. Be quick and witty and suggest mentorship, perhaps they'll take you in and teach you, or refer you to someone who can teach you. [B] Edit 2: *******[/B] Yes, the condo/real estate guy is the same guy as the one i moved across the US for. Perhaps this is another test from him to get me to think on my feet, and fast because i have a very short timeframe here to get something done. He mentors in obscure ways and employs the sink or swim method on me personally and he's aware that I need high stresses to get out of complacency to move forward into the next step. I'll give it a few days, reach out to him by mid-week and have a meeting with him about whats next. He's gotten me this far through multiple startups, but i'm not sure if I got screwed over or not purposely, and under his own decisions or whether it was his partners decision as his partner fired me and my entire team. Originally, i lived at his guest house in exchange for doing work on his home farm on weeknights and week days, he then randomly one day kicked me out onto the street and said "55 gallon drum of shit heading your way, sink or swim." I ate through it and had a house by the end of the next day and moved in that night.

I've only read the first few posts in that thread so far, but it's very entertaining and motivational. Thank you! Some great advice in there. I especially like the part about facing your fears, because that's been the real hurdle for me. I have been planning and preparing for the moment when I leave my relatively comfortable job and jump head first into real estate, with no guarantee of success, and that moment is fast approaching. We're currently buying a house (closing on Tuesday), and within a month I will be starting the licensing process. Only a few short months later I'll be at the precipice of that moment and be forced to either jump or retreat. I'm incredibly excited about this, but I'm also scared shitless. I'm swarmed by worries! What if my plan isn't good enough? What if my marketing doesn't attract clients? What if I haven't put aside enough money to last me through the 3-6 period where revenue may be nonexistent? I keep having to force myself to try to quiet these thoughts, and just accept that I am doing everything that I can to build my own success, and understanding that even if I do fail that I will lI've to try again. Every day, I have to tell myself that as long as I remain persistent, learn from my mistakes, and constantly strive to better educate myself, I can ultimately reach the success I want, or at least have a hell of a journey along the way.

Persistence will out pace bad luck, and no amount of bad luck will outweigh persistence. Always be persistent. Never give up due to fears or insecurities. It's so true its ridiculous. The thing is you're taking action. Regardless of how much i've done, occasionally i'm still scared shitless, but i've learned to push forward anyway. Just do it, the worst that can happen is you go broke and start again :)

Does anyone have some good resources to learn about credit, debt and general finance in Canada? I'm in debt about 2k across two different things, taxes and a credit card, but I do not know which to pay first (I've got the cash to pay one off completely right now.) Id like to educate myself a little more before I dump the money on one. I'm leaning more toward taxes, but I know generally nothing about any of this so that's mainly a guess. I'm alright with general opinions too but considering the airhorn that is the OP on financial advice, I will be taking them with a spoonful of salt

[QUOTE=blerb;50025231]Does anyone have some good resources to learn about credit, debt and general finance in Canada? I'm in debt about 2k across two different things, taxes and a credit card, but I do not know which to pay first (I've got the cash to pay one off completely right now.) Id like to educate myself a little more before I dump the money on one. I'm leaning more toward taxes, but I know generally nothing about any of this so that's mainly a guess. I'm alright with general opinions too but considering the airhorn that is the OP on financial advice, I will be taking them with a spoonful of salt[/QUOTE] Probably the easiest and most popular way of paying down debt is the snowball method. Start by paying off the smallest debt while only making minimum payment on the others, and work your way up to the larger debts. There's also the cashflow method wherein you focus on the debts with the largest payments and/or highest interest first in order to keep those from digging into your wallet as quickly as possible. These generally only apply to debt from multiple sources, though. You have a small amount of debt from only two sources, which doesnt need a complex patent strategy. So, what's the deal with the taxes? Are you on a payment plan for them? Are they accruing interest? Do they have to be paid completely by a certain date, and if they aren't paid by that date do you risk a fine or legal action? If you can just keep making small payments on them for as long as you need to, and if they aren't accruing interest, then it would probably save you some money to only the make the minimum payments on those until your credit card is completely paid off, because credit card debt is high interest debt. The longer you wait to pay that off, the more you are going to pay.

I got my wisdom teeth out! I don't know why there are so many people acting weird after they come out of surgery, I'm acting normal but having a tad bit of trouble typing

The more I think about it, the more I'm realizing there's no way up or out in my city. There's 0 real estate investments that are open to someone like me, I'd need a million in capital due to the fact even a tiny, tiny apartment to own is upwards of 150 grand.

[QUOTE=HumanAbyss;50033766]The more I think about it, the more I'm realizing there's no way up or out in my city. There's 0 real estate investments that are open to someone like me, I'd need a million in capital due to the fact even a tiny, tiny apartment to own is upwards of 150 grand.[/QUOTE] It is possible to invest remotely through the use of turnkey investments and property managers. Essentially, turnkey companies find and rehab rental units, and then sell them to investors, often remaining involved with the property as property managers so that they can continue to get a cut of the take. It works for them because it allows them to benefit from the "flip," and to have that property continue generating long-term income while another investor assumed the ling term risk of actually owning the property. It takes a bit of extra homework, and your profit margins are lower, but many people invest in rental properties in this manner to great effect. I would argue that it's completely invaluable to have a like minded and trustworthy associate working on your behalf in the area, however, to offset the risks of buying properties unseen. You may be able to build such relationships through networking sites like BiggerPockets. If all else fails, is there anything in particular keeping you tied to the city? Could you not move elsewhere to pursue your financial goals? [editline]30th March 2016[/editline] Real estate is also far from the only investment vehicle.

Just got my teeth out... the left side of my face is numb, which is the only real problem I'm having.

I have to get my wisdom teeth out maybe later this year or early next year or something when I can afford it. I'm mostly just worried about the blood. I have a pretty hair-trigger gag reflex when there's stuff in my mouth.

[QUOTE=Pascall;50034808]I have to get my wisdom teeth out maybe later this year or early next year or something when I can afford it. I'm mostly just worried about the blood. I have a pretty hair-trigger gag reflex when there's stuff in my mouth.[/QUOTE] Just have a metric ton of gauze lying around to stuff in your mouth

[QUOTE=Pascall;50034808]I have to get my wisdom teeth out maybe later this year or early next year or something when I can afford it. I'm mostly just worried about the blood. I have a pretty hair-trigger gag reflex when there's stuff in my mouth.[/QUOTE] I get to keep my wisdom teeth. They aren't causing any crowding, so there's no reason to have them removed. My dentist was marveled by that. Are yours causing crowding? There's been cases where dentists just do it to do it, without any actual reason besides "because they're wisdom teeth".

[QUOTE=Big Dumb American;50034080]It is possible to invest remotely through the use of turnkey investments and property managers. Essentially, turnkey companies find and rehab rental units, and then sell them to investors, often remaining involved with the property as property managers so that they can continue to get a cut of the take. It works for them because it allows them to benefit from the "flip," and to have that property continue generating long-term income while another investor assumed the ling term risk of actually owning the property. It takes a bit of extra homework, and your profit margins are lower, but many people invest in rental properties in this manner to great effect. I would argue that it's completely invaluable to have a like minded and trustworthy associate working on your behalf in the area, however, to offset the risks of buying properties unseen. You may be able to build such relationships through networking sites like BiggerPockets. If all else fails, is there anything in particular keeping you tied to the city? Could you not move elsewhere to pursue your financial goals? [editline]30th March 2016[/editline] Real estate is also far from the only investment vehicle.[/QUOTE] It just seems like regardless of the vehicle, i'm going to need money I don't have to invest in things. Realistically, I need to move to a different city, but I would really rather not do that as this is my birth place, my favourite city in the world, and a truly fantastic cultural area, but I really keep seeing that I'll have to leave my home, something my girlfriend/fiance refuses to do, to make a real living. Living expenses are so high here that I really can't put away anymore than a few hundred here or there because it's an unfeasibly high cost. I need a raise from my boss's boss, but my company is dragging their feet like a motherfucker in terms of actually doing anything in regards to that and to be totally frank, I'm not even sure how to bargain for a higher wage. I had a huge fight with my mother a few weeks back about this very same thing and I just couldn't figure out a way that I could reasonably ask for the wage I feel I need.

[QUOTE=mralexs;50035075]Just have a metric ton of gauze lying around to stuff in your mouth[/QUOTE] The gauze in my mouth is likely to trigger it too, is the issue lol. [editline]30th March 2016[/editline] [QUOTE=Revenge282;50035136]I get to keep my wisdom teeth. They aren't causing any crowding, so there's no reason to have them removed. My dentist was marveled by that. Are yours causing crowding? There's been cases where dentists just do it to do it, without any actual reason besides "because they're wisdom teeth".[/QUOTE] The dentist I went to said they're impacted and are causing a bit of crowding. But I may go to another dentist for a second opinion. I need to get a few smaller cavities filled too sometime soon so I'll probably see what that dentist says. The first one was suspiciously trying to sell me as many procedures ON THAT DAY that I went and it was giving me a lot of red flags. So I'll probably wait.