May 14May 14 17 minutes ago, Paul852 said:Perfect solution would be to not have debt at all.In most cases, but when they were offering 2.5% during covid, I refi'd what we had left on the house and now I can't envision a scenario where I'll ever pay it off early. The bank even asked me at the time if I wanted to pull money out and I foolishly said no.
May 14May 14 9 minutes ago, we_gotta_believe said:In most cases, but when they were offering 2.5% during covid, I refi'd what we had left on the house and now I can't envision a scenario where I'll ever pay it off early. The bank even asked me at the time if I wanted to pull money out and I foolishly said no.I got 2.5% as well. I know someone who got a 30 year at 1.7%. But yeah, I'm talking pretty much all other debt. Just don't do it.
May 14May 14 1 hour ago, we_gotta_believe said:Someone should just tell them that things are normalizingThe Trump golden age economy
May 14May 14 1 hour ago, we_gotta_believe said:Someone should just tell them that things are normalizingThese types of things are why I am rebalancing a bit towards consumer staples and away from "growth" ETFs that feel set up for a correction. Not going crazy, but just getting more balanced instead of a heavy growth posture.
May 14May 14 33 minutes ago, we_gotta_believe said:In most cases, but when they were offering 2.5% during covid, I refi'd what we had left on the house and now I can't envision a scenario where I'll ever pay it off early. The bank even asked me at the time if I wanted to pull money out and I foolishly said no.Need money for ribeyes?
May 14May 14 23 minutes ago, Paul852 said:I got 2.5% as well. I know someone who got a 30 year at 1.7%. But yeah, I'm talking pretty much all other debt. Just don't do it.The people in my state are out of their minds in debt. Home prices shot up ridiculously fast the last 7 years, and they go into more debt buy boats, multiple vehicles, campers, ATVs, etc. I have most of that stuff as well, but the debt levels are crazy here. I think we are 4th in the country. They have control with smoking and drinking not spending money and buying sodas. You are right to avoid it.
May 14May 14 23 minutes ago, Diehardfan said:Need money for ribeyes?Nah I'll just have to settle for more of those big medium steaks
May 14May 14 13 minutes ago, Diehardfan said:The people in my state are out of their minds in debt. Home prices shot up ridiculously fast the last 7 years, and they go into more debt buy boats, multiple vehicles, campers, ATVs, etc. I have most of that stuff as well, but the debt levels are crazy here. I think we are 4th in the country. They have control with smoking and drinking not spending money and buying sodas. You are right to avoid it.Yeah, it's insane. At this point in my life I refuse to take on another penny of debt.
May 14May 14 7 minutes ago, Paul852 said:Yeah, it's insane. At this point in my life I refuse to take on another penny of debt.our industry is getting squeezed a bit and my bonus was not what I was hoping it would be. the only real debt I'm carrying right now is real estate, and my primary home is at 2.5% with a ton of equity. I was hoping to do some home improvement work, and I'm debating between paring back the work I want to get done and taking a HELOC to cover some of the work to keep my cash reserves at a healthy level. I'm leaning towards just paring back the work that needs to be done.I need to be less poor. I told that to my boss, he told me to go f' myself.
May 14May 14 10 minutes ago, JohnSnowsHair said:I need to be less poor. I told that to my boss, he told me to go f' myself.If you did that in 2021 instead you may have gotten a raise.
May 14May 14 Just now, Paul852 said:If you did that in 2021 instead you may have gotten a raise.End of 2021 I actually half-left the company, went part-time then onto a retainer while working at another place. The goal at the place I went to was to grow the business and get bought, but the owner fumbled it. So I'm back at my old place, where I never really "left". I have no complaints about the compensation, but my role now theoretically should net me 20% bonus when I hit all my goals (and I did last year), but it's also contingent on the company performance.Our heads are above water, but the growth right now is stagnant. We're highly dependent on tech growth and with most companies either in a holding pattern on AI or going all-in on replacing entry level with AI agents it's just been flat.We'll see how things go. 🤷♂️
May 14May 14 6 minutes ago, JohnSnowsHair said:End of 2021 I actually half-left the company, went part-time then onto a retainer while working at another place. The goal at the place I went to was to grow the business and get bought, but the owner fumbled it. So I'm back at my old place, where I never really "left". I have no complaints about the compensation, but my role now theoretically should net me 20% bonus when I hit all my goals (and I did last year), but it's also contingent on the company performance.Our heads are above water, but the growth right now is stagnant. We're highly dependent on tech growth and with most companies either in a holding pattern on AI or going all-in on replacing entry level with AI agents it's just been flat.We'll see how things go. 🤷♂️What do you do exactly?
May 14May 14 9 minutes ago, JohnSnowsHair said:End of 2021 I actually half-left the company, went part-time then onto a retainer while working at another place. The goal at the place I went to was to grow the business and get bought, but the owner fumbled it. So I'm back at my old place, where I never really "left". I have no complaints about the compensation, but my role now theoretically should net me 20% bonus when I hit all my goals (and I did last year), but it's also contingent on the company performance.Our heads are above water, but the growth right now is stagnant. We're highly dependent on tech growth and with most companies either in a holding pattern on AI or going all-in on replacing entry level with AI agents it's just been flat.We'll see how things go. 🤷♂️That sounds a little rocky. I've been in my current spot for over 6 years now, and I think Im just going to stay for another 9 or so then retire. There are a lot of things that aren;'t great, but Im personally in a good spot there. I think they might be trying to fire my boss, which is never good, but not much I can do about that. The industry itself is in a good place.
May 14May 14 4 minutes ago, Paul852 said:What do you do exactly?I've been Peter Principled, so I don't even know anymore.I'm a software engineer at heart, but at this stage in my career I'd say I mostly herd cats, make sure things are getting done and my people know what they're supposed to do, and play office politics so my people can focus on getting real work done.Which, I guess, is valuable.
May 14May 14 10 minutes ago, Mike030270 said:Who are the 21% approving of higher gas prices? People who believe Iran was an imminent threat despite our apparent destruction of their nuclear capabilities?
May 14May 14 Just now, JohnSnowsHair said:and play office politics so my people can focus on getting real work done.My least favorite thing to do. My last 3 jobs were like Game of Thrones.
May 14May 14 Just now, JohnSnowsHair said:Who are the 21% approving of higher gas prices? A few of them post here. They'd approve of gargling horse semen if Trump them to.
May 14May 14 1 minute ago, Gannan said:That sounds a little rocky. I've been in my current spot for over 6 years now, and I think Im just going to stay for another 9 or so then retire. There are a lot of things that aren;'t great, but Im personally in a good spot there. I think they might be trying to fire my boss, which is never good, but not much I can do about that. The industry itself is in a good place.Was more of a sideline venture that came up in 2021 that fizzled (for me at least) by 2024. I have been with my current company in one form or another for almost 16 years. This company is solid, and still fairly diversified, just been tight the last couple years.
May 14May 14 2 minutes ago, JohnSnowsHair said:Was more of a sideline venture that came up in 2021 that fizzled (for me at least) by 2024. I have been with my current company in one form or another for almost 16 years. This company is solid, and still fairly diversified, just been tight the last couple years.Yeah I pass your headquarters on the way to my office..on the rare occasion that I have to go in.
May 14May 14 12 minutes ago, JohnSnowsHair said:I've been Peter Principled, so I don't even know anymore.I'm a software engineer at heart, but at this stage in my career I'd say I mostly herd cats, make sure things are getting done and my people know what they're supposed to do, and play office politics so my people can focus on getting real work done.Which, I guess, is valuable.Once you get so good at your job at a technical level they stop you from doing that work and make you a "lead". Never made sense to me.
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