>...offered a $55k job
>one option [is] $1,600
>Another option [is]...$950
>Another option [is]... $1,350
Assuming the job offer will go through, let's do some quick back of napkin math.
Let's figure out what you take home salary will be. Let's assume you decide to contribute 3% to your 401(k) (you should contribute more eventually, but don't make yourself cash poor) and we will do the 'ol 65% of gross salary to figure out what your take home net of tax will be. (55,000*0.97)x0.65) = $34,678, lets call it $35 for easy math.
Let's figure out how much each of those apartments will cost you a year, and how much free cash flows it leaves you.
$1,600/mo=$19.2k/year; $15.8k/year or $1.3k/mo free cash flows.
$950/mo=$11.4k/year; $23.6k/year or $2k/mo free cash flows
$1,350/mo=$16.2k/year; $18.8k/year or $1.6k/mo free cash flows
Now keep in mind, you still have to pay for things like groceries, utilities, having fun, and more importantly setting yourself up for financial success (aka building up an emergency fund). Going with either of the places that cost over $1.3k a month is going to stretch you pretty thin.
I honestly don't see the issue with option 2. If the biggest issues are the fact that it uses window units and doesn't have onsite laundry... those are two fairly minor issues. First off, window units aren't bad and can sometimes be more efficient than central air. My apartment has 2 window units, and they are able to cool my apartment down within like 10-15 minutes and when I am not using a room (for example my bed room during the day) I can either set the temp super high, or just turn it off. Secondly, not having on site laundry kind of sucks, but have you looked to see how far you are from a laundromat? Also, they make portable washing machines now.
You essentially set the thing in a bath/shower, pour in the water at a temp you want, add soap, and let it run. You can also attach them to sinks/run a tube off the drain port but that requires more work lol. They don't have a dryer, but they do usually come with a spin section to get out most of the water. It's not perfect, but it could make a weekly trip the laundry mat turn into a monthly one.
Also for context, when I started my job I also made $55k a year but my rent was $850/mo (different city, and about 4 years ago). I have been able to build up a nice emergency fund within a few years, and am now aggressively contributing to my retirement. Compare this with another of my collogues who, similar to you, got an apartment which cost $1.6k a month and they had to start dog sitting/walking on the weekend to cover their expenses.
tl;dr rent is your biggest expense, and will dictate how much money you have for other things.
What is the cost to you, your health, your stability and your future if you don’t act? I will submit that it will be a greater cost in the long run. Spend the money. Get your basics covered at the rental.
Identify the closest AA meeting and go to that.
Spend money on a two weeks of food and put that to rest.
Between AA meetings and work keep yourself occupied. Clean out your RV. Pull everything out. Only put back in what is serviceable and serves a purpose.
Go to another meeting. Once cleaned up, get the RV in for service and repairs.
Identify what items will be needed for the RV and your sobriety. A yoga mat? Painting supplies? Whatever works for you. Go to another meeting.
Identify your next work assignment. Find meetings and supports in that location. Get back to your RV if that is your choice. Go to another meeting.
If you don’t stabilize your situation, you won’t stay sober. You know that, which is why you are making excuses not to.
Go to a meeting.
Dude...why did you erase that comment...I went to hit send and it was gone...so this is out of place, but just for you:
You know, I had an idea once. A long time ago.
It was a "Jump to Conclusions" mat. You see, it would be this mat that you would put on the floor, and it would have different conclusions written on it that you could jump to.
Same here. Sometimes I will return something because it just didn’t work out and expect that they will tell me to keep it and they don’t (e.g. yoga mat that cost maybe 15 bucks). Seems like a crapshoot on what they do ask you to actually return. I imagine part of it is based on how frequently you return things vs how much the item costs.
First time parents always buy a lot of stuff they don't need. Buying used at least offsets a lot of it.
Here's some lessons I learned the hard way:
Buy: a forehead thermometer before the due date. Temp is the first thing Dr Google is going to have you check when the kid makes a weird noise.
Don't buy: A wipes warmer. There's nothing quite like a pampered kid screaming for lack of warm wipes at the mall.
Buy: A great diaper bag. It's going everywhere with you for awhile. Be sure to get that washable 'change the kid anywhere mat, too.
Don't buy: A changing table. With the washable mat, every flat surface is a changing table. If you get one of the wiggly dumb kids, you'll soon change them on the floor in front of the changing table, for their own safety. That's a proud purchase moment, let me tell you.
My magic 8 ball doesn't work either. Clearly poorly manufactured. Short MAT confirmed.
Go with Option 2. Think about the total monetary cost and total opportunity cost of having to do laundry at a laundry-mat.
Option 2 might still be more expensive but if it means that much to take up Uber/Lyft or Instacart/DoorDash to makeup any difference.
It might be easier to split things by item rather than try to split the cost of each item between the two of you. Not being married y'all should keep separate bank accounts, and if you arent already sharing I would also keep separate phone plans. You wouldn't want to loose your ability to communicate with people if something were to happen.
If it's just his name on the lease, I can understand why he would want to continue being solely responsible for rent. To make up for it you could take sole responsibility for a few of the other major expenses like groceries, any utilities that aren't included in rent, streaming services, laundry if y'all have to use a laundry mat or another household expense I'm forgetting.
With the clothes, it might just be him paying because he wants to be nice and it's one of his ways of showing he cares for you? Since it's bothering you, maybe save the money you would have spent on clothes and use it to get something for him, like clothes for him or something for a hobby of his
Because you should just be going to the laundry mat. They have better (more powerful spins) machines anyways. So why aren’t you doing that? Go do it.
Plus you can “fall asleep” while doing your 2 am yoga workout. All you need is a mat.
Yes- I’m on a long mat leave and watching job opportunities pass me by. Oh well, worth it
I mat be shorting energy shortly. Yes. I am a whore.
I will post if you want commentary. Beg
This meme reminds me of the Jump to Conclusions Mat. It's a terrible idea
I'm doubling up my oil short with my gains from mat gas shorts. I literally see no reason for it to shoot up to ATH again.
Maybe a laundry mat? Not one to endorse then usually but with apartments and such nearby it could be good if the market isn't saturated or the apartments do not have a laundry mat.
Utah saga (part 4?), now written from my phone since everything I own (minus a camping mat and some bags) is in my car.
Due to the remote job waffling on the offer, I went ahead with my latecomer interview. It was weird. They were adamant about “years of experience” requirements (I technically have/show 7 in this industry on my resume or 12 overall, they wanted 9), yet the entire discussion was about programming (network engineering programming wasn’t even a thing 9 years ago). No technical questions, all team-based questions (they were very hung up on “how do you deal with conflict?”). I’m really not too keen on this one, but if they make a competitive offer I’m inclined to take it because it’s a 6 year contract.
I also applied to a bank a few months ago and they came out of the woodwork to interview me. I’d be getting into the security field and out of the government sector, so not sure if I’m comfortable with it, especially with everything going on. Not sure what this offer will look like. Interview was a lot better, but one of the guys on the panel insinuated that I plagiarized or faked my resume and my certs. I mentioned it to a friend that works there and they mentioned that it was potentially because I wrote their resume and it matches my format. Who knows.
I had to donate all of my kitchen stuff due to poor planning/assumptions on my part. Got a few more bags to fit and it’s going to be tight. Kinda disappointed—not from having to get rid of stuff— but the poor planning on my part.
6 locations , I have 4 at my job we have have 3 buildings on 14 arches , 1 at my barber shop (traffic is low but it’s old school so the people will sit in talk forever) , 2 at the laundry mat , 2 at another Landry Matt, I got one in my apartment complex they had a drink one already , and my last one in a mechanic shop I bought the location online for $5k the rest I went in with a business proposal and pitch.
A Landry mat alone brings me in $4k in proceed . My manger brother own a barber shop, that’s another $2k a month in proceed . You get the point. Life is what you make it .
My company added it this year. I’m out on mat leave though so I was off anyway
Fortune favors Mat Damon
A note about your wife quitting right after mat leave, for my job I had to go back for a certain amount of time after taking maternity or I was told they could charge me for the time I took from the sick leave pool (or something like that). Just wanted to put that on your radar in case her job does something similar, I don’t want you to get blindsided by BS.
Damn. I messed up. I bought a 4 bedroom house in my 20's when I was single. I paid it off in 15 years. My payments included tax and interest, and it was barely more than renting. I didn't have to deal with noising people in an apartment complex. I had a 2 car garage and room to tinker on my toys. I put a full gym in the basement so I never had to pay for a gym membership. This meant my commute to workout with 13 steps. I also didn't have to go to a laundry mat or put quarters in machines.
The value went up. Oh, and during this time I started a couple businesses out of it and used 1 room for an office, another for storage, and the 4th room was a man cave. Granted, I had girlfriends come and go over the years so sometimes a room was turned into a giant walk in closest.
The rule is, if you're not moving for 7 years, buying makes sense.
Anyway, I ended up making and investing enough to have a couple million in the bank at this point. I still have that house and turned it into a rental. So, not only did it actually save me money over renting, it's fully paid for and now generating revenue for me. And because I had it for so long, I know everything about the house and what it needs or doesn't need.
And, if I had wanted to move, what would have stopped me? I could have sold it or just rented it out.
Besides, if you're a single guy who is dating women, is she going to like that you have an apartment or your own fucking house? Pun intended.
Pft our place is going from 680 a month to 2000 a month. New owners seem to think charging people's entire monthly income avg here is gonna retain/get tenants when they don't do anything and are moving the costs onto the tenants like requiring the tenants to pay for landscaping of the commons, gas for the pool, and unpaid job of cleaning the laundry mat.
Save for real estate and maybe rent it out, wash rinse repeat till I have 3 places plus one more for living in. Preferably >=2bd 2bath (location isn’t important). Use the rent to update and upgrade and get roi. Then save towards maybe whole life insurance (not sure yet), LLC, and a trust that way I can be assured that if something were to happen to me, all my property wouldn’t collapse on whatever family I have, and might benefit someone else instead.
Target Fire age=unknown/
Study for Psychology degree (clinical or behavioral) and hope to get a raise or change industry after gathering experience.
15/hr 40hr a week. Biweekly pay: 1015 after taxes and fees Expenses per month: Medical is $34 Dental $7 Rent. $1275(Studio) Food. $150 (mostly vegetarian it’s cheaper) Gas. $350 Car insurance. $97 Cell Phone. $25 Dwp. $41 Laundry. $20 Total Expenses: $1999 Total Net Income: $2030
Anything extra goes split into savings($2) clothes($2), and Simple IRA($27) [min=25] I have been working since 7. Mowing lawn’s, baby sitting till I was 14½ then worked part time till I was 18 on weekends and holidays and Summer Breaks. So I have some $$,$$$ saved through out my employment career.
-Debt breakdown No Debt
-Health concerns On the Spectrum (high functioning). I don’t have the paperwork required to be registered with DOR or receive extra help at Schools. I have been trying at Community College since 16½ but with work, living expenses, and availability…I haven’t been the most consistent and when I do get a class I have to have double the study time of average students just to attempt to understand the content and double the amount of time for HW. which means maybe 1 class per semester and in person, otherwise I tank the class.
-Family: current situation / future plans / special needs / elderly parents Mom and dad are great but they aren’t going to support me anymore then they already have, other than a free lunch and dinner maybe 2-4 times a year. No other family that will help.
Assets: Car/laptop/Roth IRA $6,000/ Fundrise $700/ Savings 1 year+ of earnings
My plan was to get a tent and a sleeping bag and stop my rent for a while so I could allocate $1316/month to something else. Get a gym membership for showers and hygiene. Laundry mat for clothes I have been homeless before so I already know what to expect. DPSS doesn’t give ebt if you have a job, and you aren’t considered “true homeless” if you are receiving income. There’s always the food kitchens and service centers that help out m-f 8-5 and some sat & sun. -No I am not willing to lie just to work the system-
I thought I would try a post here and see what advice I get before I get a tent.
I would recommend offering the use of your residence as a "Trap Hoise" to local dealers...you'll be able to buy drugs in your own living room, and they'll pay your rent!!! Sure at some point you may have your local anti drug law enforcement agents kicking in your door and serving you one of those nifty little warrants, and it may even lead to an indictment and conviction...but even then you dodge the stress of all this inflation by waiting it out in your very own........PRISON CELL!!! That's right complete with all the amenities...3 meals...a wrestling mat on a metal bench to sleep on, a toilette sink combo roughly 2 feet from your head, or feet w.e....and of course all the unsolicited and non consensual butt sex you can handle...with enough luck you can even be the top once in a while!!! So what say you man...can I sell drugs out your house or what?
MAT DAMON OWES ME LUNCH ATLEAST
Stick out to the end of mat leave. You might find having a baby at home spurs you on to build something for yourself. Happened to us, we launched our company 2 days after our second kid was born.
This is honestly too large and nuanced to properly respond to. But yeah, I'm just gonna say this. You're NOT selling me on this policy. I care about policy. I dont care about your theory. You guys rely on theory like leftists rely on theory.
Im interested in what an actual POLICY would look like in practice. What the costs are, what the benefits are, who pays, who benefits, etc.
You guys dont give that. You repeat the same talking points about NON DISTORTIONARY and repeating some theory of fairness that i find revolting in my core being (especially given my actual policy oriented nature).
You guys focus too much on owning landlords ignoring that NOT EVERYONE WANTS TO RENT OUT LAND TO OTHERS, THEY JUST WANNA LIVE ON IT. Seriously, this has too much econ speak and tends to think in terms of everyone trying to maximize money.
Like sometimes you gotta stop thinking like an economist. If I own a home, i aint renting it, im just living in it, do i care how much money i can make renting it to others? Should i be taxed for potential im not realizing?
If you wanna go after landlords, GO AFTER LANDLORDS, dont tax everyone else indiscriminately. Like 65% of americans are homeowners. Jesus dude.
Also, im in mt mid 30s, but im not someone who's very well minded with formulas. I can understand concepts if i explain them. I just tend to have my brain bsod when people explain them via formulas.
Either way reading it a couple times i got the idea that taxes would be lower, but im not entirely sure why.
I already differentiated between estimated land value and property values in my original post. Now you're talking specifically on some sub value of that value and blah blah blah.
Either way, you havent sold me on the policy, you havent really corrected any misperception i mat have had, and i still fudnamentally disagree with you on ethics, morality, and political philosophy.
I dont hate the idea of taxing labor. I see that as "fair" to me.
I think taxing land is a horrid prospect, although I wouldnt be opposed to using some aspects of your policy recommendations or philosophy to propose targetted solutions in specific situations. But as far as the like single taxer crowd and crap? I cant help but think a lot of them are a few fries short of a happy meal and a little too blinded by their own ideology to see it.
If you wanna replace existing property taxes with LVT, cool.
If you wanna have some sort of land speculation tax aimed at banks and landlords, also cool.
But taxing average homeowners is a nonstarter for me.
~A tourist visited a Sufi saint. He was astonished to see that the Sufi's home was a simple room. The only furniture was a mat and a kerosene lamp.
Tourist : "Sufi where's your furniture?"
Sufi : "Where is yours?"
Tourist: "Mine? But I'm only a visitor here."
Sufi : "So am I!
Mate. No. Not one expert I've seen has said it mat rise. Not one. They all say we're in for more downturn, and a recession is either coming in end of 22 or 23.
So the only thing they're debating is if this will be a mild recession or a big one a la 2008, and when it's coming.
Spoke with my realtor and both of the jobs for Utah on Friday. Kind of in a frustrating spot.
Evidently the remote job just... didn't give me an offer because they said they couldn't afford me. There is some internal contention where the HM gave me the pay scale for a P1 job (145-165) but he thinks the job is actually a P2 (125-145). The recruiter insists its a P1, so they have to re-visit this and will hopefully give me some kind of offer (regardless of P1/P2) on Monday. I told them 150 just as a discussion point, and made that clear. However, recruiter did say that pay locality does not update beyond the original location of hire, so I am going from VHCOL to MCOL and may make gains from that. HM also had a personal injury and has been out due to that.
But now I'm dealing with the realty timeline. Last day of my job is either the 22nd or 24th, and my condo goes to market on the 24th, with open houses on the 25th. So I need to get all of my stuff out while also continuing to go to work beginning this upcoming week. Only problem is that I'm absolutely paranoid about literally all of my possessions being in my car and readily accessible. I think my current plan is to continue as-is and let the apartment staging, etc. occur and I will leave everything in my car minus a sleeping mat, and just pack that up every day. And then I'll have to deal with onboarding at the remote job (if taken) beyond the 24th, so I'll have to stay in the area somewhere for a few days.
And the most frustrating part, is that I opted to eliminate all items that wouldn't fit in my car. No big deal. But I have roughly 5k worth of items that I have not been able to sell (a single item in particular is 3k), so I'll be eating the total cost of all of those if I can't find any buyers in the next few days. I had 4k of items spoken for and then the person backed out the day before they were set to pick them up. So, kind of in a poop spot. It's all stuff like exercise bike, rower, TV, appliances, etc. and I will not be repurchasing any of them (will trade the exercise bike in for a real bike), so I'd basically just be recouping my initial purchase. The loss of the 5k isn't really a make-or-break thing, it just stings.
Ok. Great. And let Mat Gaetz take over. Or Marjorie, or Lauren…
You need to wake up and realize it’s not only boomers. It’s greeed. And greed has no age limits.
I’d rather put a headless chicken in charge and let it run around on a jump to conclusion mat than let these clowns ever touch any public position again for the rest of their lives 🤡
Adversaries call me on my Blackberry Now I'm in the laundry mat; Darryl Strawberry On my cell phone, now I'm on my iPhone She thought it was a cat phone, now I'm on my bat phone
Bears fucked like Lana Rhoades, except we know who the father is … bulls!
SPY 420 LFG!!
Looks like Grandma's going to be sleeping on a school wrestling mat.
Bulls resilient as fuck. Up off the mat again
> Should I tell them before my start date as a courtesy?
I wouldn't. If you just found out, its not out of the orifnary to start telling even friends and family until later on becasue things can happen.
> I’ve been with my company for a long time and they have great benefits and a 6 month mat leave, the new company is more of a startup environment and they don’t have a parental leave in place but they said they are confident they can meet industry standard
Honestly, 6month leave is pretty amazing. I would stick there at least for the time being. "Startup" environment to me means long hours and lots of stress/work - not two things a first time mom coming off maternity leave (however long "industry standard" is) need in their life.
Ah good ole Ukraine. They ban gay marriage but gay people think they support LGBTQA2+ and sometimes Y. Clearly Ukraine isn't used as a laundry mat. Got a couple dirty others I need to wash too.
Bulls keep getting up off the mat, LMAO. Bears about to punch themselves out.
Come on SPY. I know you’re hurting. I know it feels like you’ve taken one too many punches and you’re about to hit the mat. But get you’re shit together and start punching back. I don’t care if it makes sense economically, just get back up and knock these mother fuckin bears off their feet!
Should look into MAT instead, is my opinion. Kids like the toys made by Mattel.
We have a tab on our spreadsheet that has a column for each month with buckets of detail on the rows. The most important thing on that tab is if cash is projected to increase or decrease based on planned spending. I’m in the unpaid part of my mat leave now and mr. cj isn’t working for another month, so it is one we watch closely. Earlier projections when we though he might wait longer to go back had us potentially running out of cash. Guess we’re not FI lol
Its actually really easy to buy an old laundry mat and upgrade it then save the income from it and add the bar portion later.
If a washer breaks are you Gunna leave it broken? Will you put a sign saying out of order? Will you fix it right away? Do you know how to repair washing or drying machines? I'm not being a dick but these are questions that you need to think about. I feel like stocks are more passive than a laundry mat.
You should open a laundry mat with a bar inside. Laundry is very profitable I hear and the bar will be too plus it would be a sick spot to go for laundry you would be popping.
I’m definitely working on cutting the budget, but I tend to be fearful that we won’t have enough. I’m addicted to YNAB and sinking funds, but I might be overfunding a couple of those. We spend way too much on food. We only have one car payment but it’s $568 and I’d prefer to clear it and own both Hondas outright before buying the house. The plan is to drive those until our kid is in secondary school - the paid for Civic has 90K on it but we only use it a couple times a week for errands. CRV is newer with 28K, and between mat leave and no longer working in the city on weekends (I didn’t mention this but I have a part time performing gig in NYC that I’ll be leaving soon) my EzPass and gas costs should decrease.
I think we’ve been fairly responsible with money in the last couple years - not perfect, but decent - but I wasn’t as responsible in my 20s and I think part of me wants a big buffer as a safety net? Since my husband got his new job we’ve been able to save thousands - it’s just gone toward a wedding, baby, hiring movers, etc. Once we have a mortgage and daycare, we won’t have that buffer.
I'd be wondering why this guy is selling the laundry mat ?
We go through June 21, then I’m on mat leave until 11/28. I think I’m also feeling restless because the last couple years teaching were not especially rewarding due to pandemic stuff. It’ll get better again. I think I’m looking to prove to myself that I have other things I COULD do, just in case it doesn’t get better. I don’t want to feel trapped in a job for 20-30 more years just because I can’t do something else, yknow? I think a lot of teachers get stuck that way…but there are also significant advantages to staying where I am
My wife is a kindergarten teacher. Do not underestimate the amount of work flexibility that one or both parents have in how much easier life with a kiddo can be. It sounds like you’re in the US? That means mat leave might not be as robust as Canada where we are, but my wife’s teacher job/union allowed for extended parental leave where she retained her seniority and position while taking unpaid time off after mat leave ended and then came back part time for a couple of years. When kiddo went to kindergarten, she was able to go back to her F/T position and still (as others have mentioned) aligned her time off with his. It’s super valuable. I would argue that it’s far more valuable than an increase in salary that would just be sucked up by higher childcare costs anyway.
Really think about how much time and effort a child takes and how flexible/compatible teaching is with “being there” for you kid. In the end, no amount of money will ever replace the kids feeling that you were present during their lives.
I wouldn’t say I have the skills yet, but I believe I have the aptitude (particularly for project management, as I can more easily justify ways in which I already do some of those tasks and manage time & people; data science is more something that interests me). This would be 2-3 years from now, more so affecting our home buying & future trajectory than whether I return to teaching after mat leave
The only real problem Subway has had is their bread went south when they had to take the yoga mat rubber out of it. I kinda preferred it with the rubber in it tbh.
> Unfortunately my FMLA was used concurrently with my mat leave so I have nothing else to use per HR. I hope it won’t be burning bridges!
This is going to burn some bridges lol.
Unfortunately my FMLA was used concurrently with my mat leave so I have nothing else to use per HR. I hope it won’t be burning bridges!
Partly true but inflation does not always go up, sometimes it goes down. Like during the covid lockdowns, When demand dries up and supply doesnt, prices drop. I got two condos in early 2020 for 20% off because no one was buying. gasoline was mat $2 because no one was driving. Now we have rather high inflation, but if Putin ends his war it will go way down and the end of China shutdowns or if they cancel the Trump tariffs that will also lower prices.
Similarly during a bumper crop year, produce can go down to near nothing but when abbott in texas blocked the border, avocados soared to $4 apiece. So no more guacamole.
I really like my leather desk mat from Harber London.
Ergotron monitor arms. I have the dual screen arms, and it makes adjusting the screens a breeze and declutters the desk.
Yoga mat, yoga blocks
Anything like an ankle brace or lifting belt that could be helpful in the future even if not needed right now
A "workout water bottle"
I’m like never home, the key is under the front mat.
1600 Pennsylvania Ave. Washington, DC.
Once a month a take my laundry to the laundry mat to be washed dried and folded. It’s honestly the best investment ever! I usually do laundry in the off weeks, it just helps with the buildup if I am procrastinating the issue.
I use to hire a house cleaner before the pandemic that came once a month. I might start that up again if I can find someone.
Mat i ask what you use for analytics? I've been using Google Tag Manager & Google Analytics.
It's all factory installed stuff, the same price as they're listed on Lexus' website:
Premium Package: $480
LED Foglamps and Cornering Lamps: $275
Heated and Ventilated Front Seats: $640
Power Rear Door with Kick Sensor: $150
Intuitive Parking Assist with Auto Braking and Rear Cross-Traffic Braking: $565
Power Moonroof and Aluminum Roof Rails: $1,350
Heated Leather-Trimmed Steering Wheel: $150
All-weather Floor Liners: $290
Door Edge Guards: $140
Preferred Accessory Package (Trunk mat, cargo net, & wheel locks): $325
You said roommate, are you two planing to share 1 single room as opposed to getting a 2 bedroom unit and you each have your own room?
For me I wanted as much privacy when I moved out of my parents for the first time at 23. I didn’t care for in unit laundry as there was a laundry mat on street corner.
I loved the condo master bedroom I rented but after I realized it was too pricey if I wanted to save for a new car and to buy property.
I moved back to parents at 24 to save and at 25 I bought my own condo. It’s a 2x1 in the Capitol of CA with a $600/mortgage and a $230/month HOA fee (purchased 2 years ago)
What I spent on one room I now spend on a whole pace I own.
IMO looking back- that one year I rented I should have gone with a cheaper option.
If your area rents are as low as you state- I’m guessing your real estate values are low and affordable too. I’d go with the non-premium options.
at least you can buy A Mat to cover the bottom of Wendy's dumpster with the remaining $350
Computer repairs. Very low start up cost (i started with a set of screw drivers and a silicone baking mat to take them apart without scratching) and high profit if you're doing desirable services.
I’ve got an old curly fry from Jack in the Box under my floor mat.
Casino. Easier to hide from the feds. Walk in, 5 min later walk out 1k in cash. Same at the next casino, rinse and repeat. No forms, just cash. Open a dry-cleaner/laundry mat and literally launder the money. EZ-PZ
You’re out of your fucking mind dude lol. Profiting off poverty. This is just insane. What is your solution? Slumlords don’t exist and people in poverty live on the streets instead? Laundry mats don’t exist and poor people can’t have clean clothes? You’re better off getting angry that Dollar stores exist. They’re taking advantage of people making slave wages in China so they can sell cheap products in first world countries. But someone providing housing for poor people is the bad guy?
For context, I’m a slumlord. I own a well-kept boarding home that houses 6 guys who would otherwise be living on the street. They each pay under $500/month for a room in a safe home. And I’m considering opening a coin laundry mat in the house for the community. Yes, it makes me money, and it helps out the community. Should I kick out all the tenants, renovate my house so I can live in it myself? So I’m not taking advantage of the poor, while my tenants all live on the street because no one else is creating places for them to live? Sounds like what you think I should do
So you’re blaming the whole “why don’t poor people have access to at-home laundry service” on the laundry mat business owners? No hate, just genuinely curious
I actually suggest giving it a shot. Requires only a small led light from Amazon, heat mat, pots and soil. I've done a lot of small things to make money and this one is by far the fastest/easiest. I basically just water them and put them up for sale, usually don't even feed fertilizer before they're sold but if I do I just use a 20-20-20 at quarter strength and plants love it.
Been able to feed my 0dte addiction with it lol
is Mat Cauthon from the Wheel of Time?
If you are selective about fabrics on your furniture, and placement of scratching posts you can do a pretty good job of dissuading them from destroying your stuff.
My cats are not interested in scratching leather for example. Velvet is apparently also a good choice.
I also suggest putting a scratching post nearby anything you don't want them to tear up. If they start scratching the couch, gently scold them and pick them up and put them on the scratch post. They will hopefully get the idea.
Get a selection of scratching options too, one of my cats only scratches a tall post, the other likes the flat scratch mat.
I'm really interested to see what they say on Mat 16...
Honestly, I thought these two would have more to say about why they are keeping their professor spots while running a billion dollar company.
Mine matches one to one up to 3%. My wifes mat hes 2 to one up to 5%, so a total if 10 if she puts in 5. This is the best i have seen for a 401k match.
Bhai, chinta mat kar, apna time bhi aayegaa
Toy stocks $MAT + $FNKO and yacht stocks like $MBUU massively outperforming
Check out DexterPay app, it uses a reloadable credit onto the app (minimizing CC fees) and is safer for the consumer since no inserting your credit card at a shady laundry mat (hopefully yours isn't shady)
A plus here for a college town is that mom and dad can setup the account and pay for their kids laundry if they want.
A lifetime ago I was paying for classes I couldn’t afford. Talked with some of the guys and we each paid something like $10 bucks each to get a regular space in a boxing gym. Got the workout and the mat time without the instructor. No, not the same but pretty solid with each of us working off each other. Perhaps I have a tainted perception of OP ( my apologies OP). Strikes me as a young guy wanting the flash of things. It’s familiar because I was that guy, until I couldn’t eat and wouldn’t move back home. Hard but good lessons. Another was, if you’ve got the right friends, a great dive bar will save you so much money in your 20s.
Introduced myself to my gym crush in the core section of the gym by asking where the mats are (I know where the mats are) she told me then I said “you come here often?”
“Every day :)”
“ah well I’ll prob see you around” (as I go to get the mat)
“yes see you”
after a bit more of her workout she still has her headphones on, gets up and leaves the core area no eye contact with me
One step at a time boys
TLDR: Mats can be profitable but if anyone tells you they are passive income or easy...they are lying.
I have been in the business for 15 years and have bought and sold serval successful 'Mats and Dry Cleaners as well as software companies that run them. Now I fly all over the world and consult in the industry.
Here are my thoughts:
-saves a lot of manual work of collecting coins from every machine
Collecting quarters is no big deal and kind of fun. Fixing machines all the time is not. That is the manual work you are going to have. So the time you think you are saving on collecting quarters will just be spent elsewhere. Collecting quarters is pretty quick and easy.
-less likely to get robbed since there's no cash machine --> coin converter
The person robbing you doesnt know this. They will still try and rob you. Now that you dont have coins they are just going to be pissed and want something else since they are already in the robbery mode. "Welp no coins here? **puts gun away** you guys have a great day!"
-although credit card machines can malfunction, still breaks down less often than coin machines due to physical intake. Generally lower maintenance
This is true but the savings is minimal.
-stupid people can't insert washers and nickels which screws up the machines
True but they will over fill the machine, not clean the lint trap between uses, put WAY too much soap in, DUMP bleach directly into the machines. The list goes on. Stupid people are everywhere.
-easier to scale to multiple laundromats due to the above (e.g. 5 laundromats, don't need to collect coins from all of them)
Scaling laundromats is an entire venture in itself. it is hard. The good ones are not for sale and the bad ones are for sale for a reason. Unless you have been in the business and know how to rehab a Zombie mat you should stick to make your single store the best it can be. Once you have done this your competition will notice and you could possibly buy them as they are being put out of business by you anyway.
-most people use credit/debit for everything these days since you don't need to go to the atm or bank every time, plus cards are easier to carry than cash
The demo that uses 'mats HATE card machines. They dont want to float any cash. They dont have it to float. You will get a lot of folks trying to sell back their card or trade their card to someone else for cash. Then that card has no money on it and the person that got screwed is now mad at you.
-although there are vendor fees for credit cards, cash business would require higher insurance premium
Not really. I think you are missing the fee point. Unless you get with a processor and a provider you will be paying two fees. One to the CC company and one to the software company that runs your card system. You should look into companies that our their own processor and software wrapped into one.
can't launder money
Yes. Yes you can.
-- You have to convert all your machines from coin to card - Roughly 500 to 750 a machine not all machines can be converted.
-- You need to fix your machines they break ALL THE TIME. For various reason mainly mis use and being old.
-- You need to look into a injection system to make money off soaps and other chems. This cuts down on your damage via some dumb ass dumping two cup fulls of soap in the machine. It also help regulate costs and allows you to upsale.
-- Look into a counter service to offer to customers to grab a different demo in your stores.
-- Look into lockers (droplocker...com) for after hours service and expanding you foot print.
the laundry mat in my neighbor also raised their prices from $1/lb to $1.25/lb. the prices for some of the most in demand crops are also being hit with inflation a few of them even surpassing the inflation rate seen in ethanol and crude oil. YTD returns for oat futures are up 87%, and coffee returns 81%, not much lower. Oat farms in the western US have been faced with droughts since 2020 resulting in less grain being planted/harvested last year, about 40% less. Despite the harvest shortages, the demand for oats is still rising due to an ongoing increase in demand for livestocks…Coffee beans are facing similar harvest shortages due to droughts and other weather impacts like severe frosts. Other factors being the rising cost of energy which is impacting use of fertilizer, shipping port congestions, lack of supply chain workers etc…
Hi u/loose-ventures DD on any of these: $AMAT, $MMM, $DVN, $MAT, or $PLD.
Back of a laundry mat where the dryer exhaust will be plumbed through my box to keep me warm and smelling fresh. More of a step up then down.
Finished my 80+(70+70) test.
I'm kinda burned out mentally, but feeling glad to be back on the mat. What did i missed?
Kitchen work mat. Like twenty bucks.
I question my investments every day. I find that constantly questioning every choice I make helps in my long term strategy. I try to hold stocks for the shortest time possible. I keep my losses to a minimum this way.
I was once told by a yoga instructor that certain yoga poses can benefit you financially. This was untrue. In fact, that same yoga instructor stole money out of my wallet while I was stuck in an awkward position on my yoga mat, coiled up like a pretzel wrapped around one's finger. I learned a valuable lesson that day; complete fucking retard talk about making money all the time, spreading bullshit like a Japanese door to door cleaning solution salesman. However, those retards rarely ever make money, unless they're stealing it from me.
Putting them under the mat would yield higher return than buying calls these days
> I need $75 more for my utility deposit since at our shared apartment the utilities were in his name
Not questioning your actions, I just don't quite understand. I'm trying.
Who is "his?"
The implication is that the utilities have to be switched over. Why?
> the rest would just to be to survive with to get groceries and a mat to sleep on
I need $75 more for my utility deposit since at our shared apartment the utilities were in his name and the rest would just to be to survive with to get groceries and a mat to sleep on until my first big paycheck so I can get other things. I wouldn’t use it all if I didn’t need it. I hate debt and don’t want to be in it if I can avoid it.
You're firing me? But I have a jump to conclusions mat
-what I say to myself
"sure there's a key under the mat"
-what I actually say
Condoms are one of the worst contraceptives when it comes to actually avoiding pregnancy, while by far the best at protecting from STDs.
Risk factors include:
- Faulty condoms (Rare but it does happen, in rare cases intentionally by workers or partner)
- Damaged condom during sex or when putting it on (Nails, rings, piercings, Vagina Dentata)
- Not putting it on correctly (Two condoms or pulling it over your balls, yes people do this)
- Not taking it of correctly (Get some Jazz on your hands then rub the wrong place)
- Financial situation (To broke to afford avoiding another whole ass person)
- Bad planning (Didn't expect to get nasty while scuba diving)
- Spur of the moment (Wouldn't it be hot if we raw dogged then raised a kid for 20 years?)
Biopharma or Medical Tech would be more legit,
pills or IUD offer women actual control, same for men if there ever is a non surgical option.
Then watch whatever your invested in burn to the ground as all contraceptives also gets banned by Led-Head boomer ghouls that literally hate how they never got any pussy when they where young and don't want you to get any either, right before they ban homosexuality because they never had the opportunity to get plowed in the bussy on the reg by their good friend Mat and had to settle for Debora who refuses to peg them even after 50 years or marriage.
23 stocks in April, 18 stocks currently. 13 of those are long-term. Five are swingers.
JBLU SHEL MAT. Red, green, green.