Home buying

[trotsky]

Yep I have a degree as well, many of the people I grew up with Who also have degrees have not had the stability that I have had in the last 30 years. Everything is a trade-off.

Still a good job for sure, just not quite as good..but what is, nevermind im hungover.

 

[IVE GOTTA PACKAGE 4U]

Yep I have a degree as well, many of the people I grew up with Who also have degrees have not had the stability that I have had in the last 30 years. Everything is a trade-off.

People forget how much the pension is worth and retiree healthcare.

 

[Its_a_me]

UPS offers the best kind of program to be a home owner. If You stick around long enough and become a RPCD you make enough to afford a great home.

But you'll never be home to enjoy it M-Friday. And your wife will have a special friend that visits those days. But she'll wait to serve you papers until you file your retirement papers. Seen it more than a few times in my building. The other scenario I see is waiting until the kid turns 18 or leaves for college.

It's not just an odd situation: it happens constantly.

 

[Its_a_me]

imagine being so dumb you think not paying into your 401k for 5 years is a great move.

If there is 0% match like there is at UPS on the teamsters 401k and you look at the fees they charge then actually it is a great move to do your own self-directed RIRA or IRA at a low cost provider like Vanguard.

401k's at UPS are awful. 0% match is a big no-no. 401k admin fees are a complete rip off.

 

[IVE GOTTA PACKAGE 4U]

If there is 0% match like there is at UPS on the teamsters 401k and you look at the fees they charge then actually it is a great move to do your own self-directed RIRA or IRA at a low cost provider like Vanguard.

401k's at UPS are awful. 0% match is a big no-no. 401k admin fees are a complete rip off.

The fees on a 401K plan are most non-existent

 

[rod]

But you'll never be home to enjoy it M-Friday. And your wife will have a special friend that visits those days. But she'll wait to serve you papers until you file your retirement papers. Seen it more than a few times in my building. The other scenario I see is waiting until the kid turns 18 or leaves for college.

It's not just an odd situation: it happens constantly.

I suggest you don't become a RPCD then.

 

[...]

You will own nothing and be happy.

No dessert until you finish all your cockroaches.

 

[IVE GOTTA PACKAGE 4U]

I was able to take out a loan from the 401k for a down payment. Best part is you pay yourself when paying back the loan over 5 years.

And if you borrowed that money when the market was going up you lost a lot of potential growth

Also when you're paying that money back it comes out of after tax dollars

 

[allahuakbar]

And if you borrowed that money when the market was going up you lost a lot of potential growth

Also when you're paying that money back it comes out of after tax dollars

these are people that probably buy cars with 25% interest rates man. You can’t explain stuff like that to them.

 

[IVE GOTTA PACKAGE 4U]

these are people that probably buy cars with 25% interest rates man. You can’t explain stuff like that to them.

Honestly the fees on my 401k plan for one year is probably about as much as one case of beer would cost me.

People do not understand they do not match the 401K because they pay into a pension plan.

Yes you have any options but the 401K is an easy thing to set up to be automatically deducted from your paycheck and as you get raises that's more money that goes into your 401k every year

 

[I have been lurking]

these are people that probably buy cars with 25% interest rates man. You can’t explain stuff like that to them.

Ready?

 

[Thebrownblob]

Ready?
View attachment 397831

Dear God…

 

[clean hairy]

Ready?
View attachment 397831

This is a 3 yr old leftover vehicle?

 

[burrheadd]

And this is why I do not have social media accounts....

What do you think this is genius

 

[Thebrownblob]

What do you think this is genius

This is anti-social media lol

 

[allahuakbar]

This is a 3 yr old leftover vehicle?

that’s a brand new car.

 

[2Down2Many2Go]

that’s a brand new car.

The sticker says 2019

 

[M-E-T-H-O-D Man]

The sticker says 2019

Look at the first monthly payment due date

 

[2Down2Many2Go]

Look at the first monthly payment due date

It says 2019....... unless I missed something.

 

[I have been lurking]

It says 2019....... unless I missed something.

Blatantly obvious