That's my frustration with people who get purely caught up in the mat or KPI's stats.
Yes, from a math perspective, investing rather than paying down a house makes sense. But most people will tell themselves they'll invest, and put the money elsewhere. Or they'll set their 401k percentage and forget about it.
Seeing my mortgage total decrease significantly every month got us moving. Instead of buying 3k worth of nursery furniture, we spent 300. It made me start couponing the heck out of groceries. Did "not buying coffee" and never going out to eat solve all our problems? No. But the little things added up. We owed 80k on our mortgage in 2020, now we owe 20k. It just so happened we timed the market well, and made more from paying down interest than the DOW performed.
Within the year, we'll be 30, have contributed 15 to 20% our entire careers, have a paid off house, and will have the option for me to quit my job due to opened cash flow and be a stay at home mother if my boss says I can no longer work remotely. That freedom means so much more than theoretical percentages to me.
With the first, I felt pretty sad about leaving my child (12 months) and wished my mat leave was a bit longer. With the second (18 months) it was during covid and I had the opportunity to WFH (generally I wouldn't) so it wasn't too bad. I felt like I had enough time with them and didn't feel sad about going back to work. Then again, WFH was pretty boss, so that might be why lol.
This is where X causes Y is less important than how X causes Y.
Yes, any amount of money that the company spends on anything must mean that on average, there is less money spent on product quality. But this logic holds for anything.
Mat leave costs money. Paid (or unpaid) sick days cost money. Letting your employees go home on the weekend costs money. Asbestos removal costs money. Safety training costs money. With sufficient data, you could probably get a small negative causal effect.
Oh yeah, for sure. The further into your pregnancy the less BS you can take and the more you want the go on mat leave. I would joke with my friends that if I start hating work, I'll just have another baby haha. But seriously, children are a lot of work... But both my mat leaves were the best times of my life. I did kind of have super chill babies though, but yeah, it was nice to not think about work for 12 and 18 months. So glorious.
Get up Tim ... get off the mat & fight back.
Let me start by saying to gain insight into careers that might interest you visit and watch videos on https://www.careergirls.org/.
I am 28 (F) and I moved out at 23 years old when I made $17/hr or $2,100 net each month.
I got two checks for $1,050 every two weeks.
I rented a master bedroom with an in-suite bathroom in a condo for $800/ flat ( parking+wifi+Utilities included). I lived PAYCHECK to PAYCHHECK here is my breakdown:
First Pay day was 1st or 2nd and RENT was due by 5th
5th of month -
Paid $800 to landlord
Paid $40 to fill up my Honda Civic + saved $40 for the next week.
Paid $60 for groceries + saved $60 for the next week.
Paid $50 for the cellphone bill wo weeks
Paid $50 for the cellphone bill two weeks llowing:
- Car insurance
-Eating out with co-workers and friends -$150 for the month ($25 per outing)
- Going on dates with my BF and taking turns paying (h would stay with me Thur-Sunday on weekends) -$320 ($80 per date -dinner and a movie-4Xs a month)
- Laundry mat ($25) and home cleaning supplies ($40) and personal hygiene ($50) and makeup ($60)
Yup. And in competitive markets you have to get on the list for a good in-person daycare or preschool.
My brother and his wife both work full time, they pay a nanny 3 days and his mother in law does 2 days. Plus they’re going to have to keep the nanny during mat/pat leave for the second kid, because otherwise they’ll lose her to a different family.
Full time Childcare will cost the same as the mortgage payment.
My wife bought Beyond Jerky and it was like chewing on a Cajun flavored WeatherTech floor mat sitting in a POS broke down GMC Jimmy sitting in a field in the Oklahoma sun while antifreeze leaks from behind the glovebox.
The stock market isn’t a solution for this person. They don’t have the time for it to really work. But it should be a lesson for you to start early.
A viable solution for someone like this is to save towards a specific cash flow investment and continue to work once it’s acquired in order to hopefully do it once or twice more before retirement. She could end up owning a laundry mat or a couple apartments and make a living out of the income. In some cases a business loan will help her get there too.
Still waiting for my air power mat.
Put a couple of your already reoccuring bills, like the ones that don't charge credit card fees, and subscription plans on there and then throw it in the back of your wallet, or under your car seat, or under you car mat.
That way you know you can pay the bill off every month and use the card for emergencies EMERGENCIES only(like car maintenance).
no, but i am interested in mat sci, it is for an automation and data capture class.
Very cool. Out of her top 6, she recommends laundry mat #1 and rental properties #2. Maybe I'd even combine #2 with #6 (senior healthcare home). Thank you so much for sharing this video!
Yeah, I'll talk with my Schwab advisor. On September 19th to October 8th I lost about $46k in my s&p account. It's slowly recovering, but yeah, has me a little gun-shy to put my $100k in there. I understand it's the long game. Was looking forward to collect $4500 +/- in cash per week at this laundry mat in a sketchy part of town.
Push up bars
Well, all right. 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.
you're not going into debt and you're house payment is fine for your income, transportation and food costs are high. So this isn't bleak yet.
Where did the other $3000 a month go? you need to figure out where that $36000 went (you accounted for $10k) there may be something recurring to cut back on there.
there are a lot of start up costs going from an apartment to a house. you noticed the lawnmower , edger and furniture but there are also a ton of nickle and dime things that add up very fast. things like 1/2 bath needs a toilet brush and trash can, light is coming in we need new shades/curtains for the bedroom window, our towels don't match it's only $40 I'm getting matching dish towels., we need more lamps and now we need more light-bulbs, welcome mat , kitchen rug. Do that a couple 100 times it adds up.
If after seeing where the money went. If you find it $25k went to start up costs. Just put that in the budget "We have no more then $200 to spend each month on the house until our emergency fund is replenished" Most of the start up stuff you wont have to buy again for a good long while.
Note I disagree with the previous repair advice. "Flooding" is a bad point to be at. Fix things today that will cost you more to fix in 3 months. eg. a dripping sink, turning it as hard as you can to try to minimize the drip over months can damage the fixture beyond repair, plus all the water you're paying for.
You could invent a Jump to Conclusions mat.
He’s running the laundry mat.
Ohhh I love this. I’ve always wanted my own Yoga Mat
I just bought an exercise mat to start getting some squats and push-ups in. As the habit solidifies, I'll look into getting some dumbbells and maybe a home exercise bike.
Notice how the people who use the "toxic" never define it. That's because it's a bullshit term intended to stifle conversation and intimidate others.
It's also intellectually lazy. Anyone who uses it should be called to the mat immediately and must define what is meant by its use.
I’ve seen a few. Mat Farrah who reviews cars on YouTube test drive one and said they were amazing vehicles
Tenant got ahold of me this morning furnace is on the fritz. I'm in mexico for the winter so instead of fixing it myself I called up the hvac people I use 3 hours later it was fixed. A couple of points to go along with this anecdote which mat help a person think about if it's right for them
- I have great tenants right now who are very easy to work with.
- Ive had (inherited) terrible tenants where I wish I had a Pm.
- If I scale up much more I'll likely get a pm.
- I have flown back from somewhere a day early to deal with an issue before. Wasn't a big deal buy I could certainly see how this would ruin some people's peace of mind.
- If I paid what a property managers monthly fee was that would take the majority of my cash flow.
What's a good brand of washing machines and dryers for a laundry mat
Income is not your problem, spending is. There's no reason you can't live reasonably comfortably off such a high income, even in SF.
That is far too much. Stop spending any more on furnishing your place.
>I just moved to I used up about $20k for first month rent, deposit and also furnitures.
This is extremely high. You probably can't have your cake and eat it too, so if you stay in the high rent place you'll probably continue to struggle financially. Find a cheaper place, , or roommates in your field, or ones who will give you space if you don't want to interact with them. But the rent's gotta come down.
>Rent: $4,700 (I don't want roommates)
Stop paying for this, certainly for the time being, but this shouldn't be a monthly cost especially if you rent.
>Home Improvement and Furnitures: $300 - $400
This has to be mostly dining out and takeout, right? Learn to cook, or at least find easy prep meals at the supermarket. I'm not joking do things like store brand cheerios instead of name brand, they're like 40-50% cheaper.
With transportation, you have choices to make: either figure out public transportation, or figure out how to get your license. You should be able to take drivers ed classes if no one in your life has a car. Then buy decent used car like a Honda or Nissan, not a new car or a luxury vehicle.
>Transportation: $900 (I don't drive, don't have a license, and uber everywhere, I don't have anyone in my life to take me to the DMV as they require someone with a California license to accompany you)
Consider cutting back for the short term.
Same story, cut back. This has you paying for 5-6 different streaming services. Don't need to become a monk, but you can afford to drop a few of the services.
>Entertainment (streaming etc): $100
Short term I'd consider dropping it completely, go for runs if you live in a reasonably safe area, and/or get a yoga mat for your place. Long term, look for a cheaper alternative, $150/mo is very high.
Gifts for who? Not looking to pry, but that seems like a lot for a monthly expense.
How much extra do you put toward the loans? Until you get your budget and spending under control, probably cut back to just the normal payments. You make a boatload of money so the interest shouldn't crush you in the big picture. More important for you for now is getting a handle on your overall budget.
>because my interest rate on my student loan is so high, I make whatever payment I can each month so like ~$1000 and I am not saving anything each month. (10%*100k in debt = $1000 a month of just interest alone)
Careful with this, I'd reconsider. Your income is plenty, don't take on more debt.
>I managed to get approved for a $100k Line of Credit
Absolutely do not sell your investments.
>I am thinking about selling all my stocks (which are all down 60% this year)
Side note, consider revisiting your portfolio. S&P 500 is down 17-18% YTD, so being down 60% is pretty rough. You must be either heavy in a particular sector, or worse heavy in individual stocks, or worse doing things like options trading. A bland S&P 500 fund (or a total stock market fund, or a low cost Target Date Fund) has a much better track record long term.
Don't not pay your CC, nothing has higher interest rates, and letting a CC bill gain momentum could turn ugly fast.
>and not paying my credit card bill this month
I'd personally caution against this, mixing money and personal relationships can sour the relationships. Again you make enough money, get your spending under control and you should be fine.
>and borrowing from money from friends to make $20k work
You got this, but you will need to make changes to your lifestyle.
I'd recommend checking out the book Buy then Build. Extremely insightful resource for several of my clients (I advise small business owners) and those that want to acquire/buy another business that's one of my first recommended resources.
My own personal bias in terms of businesses to purchase would be anything in the residential services industry that has been around awhile: Window Installation, Laundry Mat, Roofing, Computer Repair, etc.
In this scenario where is your overhead? Profit? If there is $1000 in labour and $100 in parts shouldn't your invoice be around $1500 or more?
Insurance, benefits, advertising, tools, etc.
1000 lab + 100 mat + 200 OH= 1300 + 30% markup = $1690 - $1300 job cost = $390 profit
Not sure if you left it out of your question intentionally or not so it's worth mentioning.
Where’s Mr grift his laundry mat is on fire
I so want a laundry mat! The cash flow the coins (I collect coins.) And the simplistic nature of it sounds like a perfect fit for me. Not sure about over head or insurance costs though.
The vending machines, the ATM, the crypto ATM (why not🤷🏾♂️) the snack machine, the arcade games. All mine and providing income. I would have WiFi credits so if you sign up for something you can use it for like 2 hrs a day...
You can tell I put A LOT of thought into this. 😅
You don’t need a dryer when you have 9k in CC debt. You need a washer and a laundry rack. Even then, with 9k in CC debt you can go to the laundry mat until it’s paid off. I loved without WD for most of my 20s. It’s a luxury not a need.
Why would he bother to delete that if whenever something like that happens it's either a floor mat going into the pedals or the driver confusing brakes with acceleration? Freedom of speech my ass.
Someone I know did with a laundry mat. The person selling it showed them all the financials but emphasised how most is actually cash that they just pocket and don’t pay tax on, the cash they said they got was definitely exaggerated.
The business went bust and they were forced to sell their house.
i aint buying your chair mat fuck off
I think there was thoughts that was the issue in some cases. However, in all cases that the floor mat caused the accelerator pedal to stick, the brakes would still work, and if you hit the brakes you would stop. So in all the cases that someone actually died or was injured, the black boxes found they never actually pressed on the brakes.
I thought with Toyota it was a poorly designed mat on the drivers side. It didn’t fit snugly/securely so there was a chance it could slide up and jam the accelerator pedal. My current one actually has a little twist lock that keeps it in place, I assume because of that issue.
But yeah, I’m sure some people think they’re hitting the brake when they’re actually hitting the gas in a panic.
Exactly. The car looks new. My guess is the accelerator pedal was stuck under a floor mat and guy was at 100 mph trying to remember how to press down, but not too far down.
This happened a lot with the Toyota cars that the floor mat would get stuck under the gas pedal. People would think they were hitting the brake when they were actually hitting the gas. How do tesla brakes work? I would think they would be mechanical at least but I have no idea. Even a car floored will stop if you slam the brake at the same time.
Toyota had a recall for the car mat wedging under the brake pedal. It's not unheard of, but 99% of the time it was the driver panicking in a tired or distracted state, pressing the gas
Go back and see my edit.
I never though Musk was going to sue the user. My guess is that Lockheed Martin though will have a very strong case because that tweet did do financial harm against their stock prices and their shareholders. I am not a lawyer, but I'm pretty sure that constitutes standing because of the harm done to shareholders.
Do you really think Elon is going to go to the mat fighting a notice of discovery from Lockheed's lawyers as to that account holders information? If I were Elon I'd be reaching out to LM to say, "Send me a discovery notice and I'll send you that guys info."
Happy you’ve put so much thought into this and planning. Sounds like you have a great head on your shoulders. Very proud of you!!! (Big sister in Arkansas here) I’ve moved across the country several times even to Hawaii and back over the years. Here is my advice:
Internet and phone in my opinion need to be double in price for budget. You’ll most likely have to put a deposit down on your electricity / utility account - you’ll apply with your social security #. You can maybe even do this ahead of time.
Spend more than $250 on your mattress. I’ve bought those bed in a box before and they’re just fine but spend a little more than $250z Then just buy a cheap platform frame to get it off the ground. You can have extra storage under your bed. Buy a mattress protector for bed bugs. Trust me.
I lived in a 600 sqft studio so living in small spaces is in my experience. You’re gonna want most of your items in your bedroom not in the shared space. You don’t know this roommate I’m assuming? Have you ever lived with a roommate before?
Once you get there, You need to get some cooking / kitchen essentials. Pots, pans, plates, silverware. Nothing fancy but we love planet earth so pls don’t get disposable. Budget a couple hundred for these items.
PLUS your toiletries like bath towels, a bath rug/mat, a shower rod/curtain/rings.
You’ll need a lamp/side table, I dunno I can think of a lot of things and am happy to make an Amazon list for you if it would help!
What does one have to do with the other? People who are "homeless" usually have mental illness or are drug addicts. What does being a vet have to do with anything?
Who cares what a billionaire spends money on? What if a millionaire owns a hardware store and then decides to invest in a laundry mat that doesn't work out. Does this have anything to do with an out of work alcoholic who used to be a fireman?
He can’t. Look at container pricing now from east Asia (aka import demand). Pandemic pricing was $20k, 2019 was like $4500, now it is $2800k. To me the when is much harder on if with this. So far earnings and shit has been so much more resilient than the population can be. I feel like the Gen pop is like a boxer that is about to run out of wind from giving it it’s all in a much later round than anyone thought they could go….but they still hit the mat with nothing left before the last bell.
That’s funny. I can go find numerous studies that the lions share economic gains in this time period have gone to the wealthy. How have asset prices for the stock market looked during this period?
Don’t worry, I’ll wait.
Stimulus and spending in the form of “extra” unemployment compensation may have spread the absurd debt level to far more people than ever before. Instead of decades of asset bubbles, we now have the everything bubble.
But hey, I just think the author’s premise should maybe get more scrutiny before we get out the jump to conclusions mat.
peaking? from where? under a floor mat? it's been going down since September of last fucking year!
Has everyone forgotten the billions spent on the metaverse? and the billions they plan to keep spending? with no return on it?
He’s one of us ! Be sure to roll out the welcome Mat next week for him. Poor regard
>Share your thoughts on decompression after FIRE
>By decompression I mean the entire transformation process from stressed-out wage slave into emotionally end physically healthy human being, after the financial burden has been finally lifted off the shoulders.
>* How does the decompression process feel like? What kind of phases there are? >* How many months/years does decompression typically take altogether?
>Any tips and tricks for successful decompression are also welcome.
This is going to be a super long post, and will ramble but here it goes!
So I really found FIRE 3 years ago. In that 3 year period I've been through it all. I've suffered burnout. I've quit studying IT. I picked up studying IT again. I've switched jobs. I've done it all! This what I'm doing about decompression:
Firstly earlier this year I studied The Science of Wellbeing on Coursera. It was a Yale course taught by Professor Laurie Santos and it taught me that stats show after you make 70K a uear your happiness doesn't increase on average for most people. I don't make 70K a year. So I still have to focus on hustling hard. I'm studying CS50 on MIT's edx online. It's a Harvard course taught by Professor David Malan. I'm learning computer science and eventually python and web dev so I can make 70K a year as a front end web developer. Once I make 70K a year I'm going to switch focus.
I suffered burnout after I failed at IT last year. I needed that burnout because it forced me to buy this book called DIE WITH ZERO by Bill Perkins. Bill Perkins taught me that I don't want to waste decades of my life looking back and regretting all the memories I've missed now that I'm old and unhealthy. He taught me that Wealth, Health, and Time are three priorities that everyone should prioritize first. He confirmed that Health is the #1 investment I should make in life because if you don't have health money is no good to you anyway. And he taught me to Time Bucket all of the dreams I have. More on that later.
Bill also said that I need to make money first before I can really flourish and thrive and enjoy life. He recommended programming too, which confirmed for me that I should focus on studying programming. Last year I started focusing more on my health even more. I gained 14 lbs of muscle training YAYOG by Mark Lauren. The app cost me 4.99$ and I didn't need anything except a belt, a yoga mat, my towel and my table, chair and bathroom door. No injuries yet on my journey.
This year I began practicing Muay Thai. Muay Thai grounds my health journey and centers it around a goal. And tha KS to Andre Huberman I've been learning a out scientific benefits that improve my physical and mental health like investing in sleep, meditating (I had already been doing it for 9 years), etc.
Now I have a lot of dreams. My first dream is right after I get my first Te h job making 70K a year I'm going to focus on DIE WITH ZERO first. I'm going to work out what memories I want to make with my life and how I want to make them. I know I want to be a digital nomad, I want to travel the world, I want to train muay Thai in Thailand for 1 year, and I want to know at each stage of my life what I can look forward too. Bill recommends traveling to more dangerous places when your younger like Africa and travel western Europe when your old cuz it's safe and easy. I want to see the mountain gorillas in Rwanda!
Once I sort out my time bucket strategy then I focus on a CS Degree so I can make more money and FIRE faster. After I graduate I'll focus more on FIRE, Churning, learning Wingsuit Flying. I want to travel to Eastern Europe, Southeast Asia and South America. Maybe live in France, Portugal, or Costa Rica as an Expat-FIRE.
After I FIRE I really focus on healing childhood trauma. Get Therapy, read Seligman's Positive Psychology book called Flourish. Read all the books Laurie Santos recommends. Actually the whole way I plan on focusing on my physical and mental health and sacrifice dating and drugs and all the fun stuff. I want to be 40+ and look 30!
In my mid 40s my 529 savings I want to use to get a masters in Cognitive Science and study abroad for free. I'm going to use 80000hours.org to guide my career shift in Artificial Intelligence. I want to change the world and help bring about transhumanism and the Singularity. With all the benefits I've learned from the Huberman Lab's supplements for mental cognition, logic I've learned from programming, discipline and intelligence I've learned from MMA, Fearlessness I've learned from wingsuit flying and cushion from FIRE it's like I'm an 18yo again. I'm ready to conquer the world!
So I'm going to use Positive Psychology and Science of Well being, MMA, etc to decompress. These are habits I'll ingrain into myself the way meditation habit has cultivated after 9 years into very clear thinking. I also want to use Quantified Self Movement ideas to supercharge my health. And if I'm rich enough and the technology is there use technological enhancements to improve my quality of life.
TSLA won’t get off the mat. Just laying there taking it from the bers as the market rises.
Baby monitors, highchairs, baby bathtub, bibs, cloths, towels, sheets, crib, bedding, pacifier, thermometer, infants tylenol/advil, play mat, toys, playpen, baby gates, outlet covers, cabinet locks, toys, formula, diapers. This all adds up quick, but most of the larger items can easily be found secondhand online for fractions of the price and in great condition. Baby clothes will fit for a month or two and then youll need to get new stuff again for the first couple years. Again, people will often give away baby clothes for free or dirt cheap, sort through what you want and give the rest away. If you don't feel the need to have the newest and best of everything you'll save thousands. Diapers and formula (if you aren't breastfeeding) will cost you the most. Expect 4-10 diapers a day for the first bit when they are very little, maybe 3-5 when they hit a year and a bit until they are potty trained. You will also double the amount of laundry you do, and probably end up ordering out more from being too exhausted to cook. The first year, especially for the first child is probably the most expensive, financially and emotionally. It gets cheaper after that until they transition to extracurriculars. After the initial setup costs, 100$ a week should be good for your first year. The true cost will be your time and energy.
> jumping to that assumption
I had an idea like that once. It's a "Jump to Conclusions Mat". You see, you have this mat, with different CONCLUSIONS written on it that you could JUMP TO.
India can't invade a wet paper bag
You have been the door mat of conquerors for hundreds of years
A private company conquered you
Conquered again and again and again
You have to rely on slavery because your economy is so backwards and defunct
Subway bread has yoga mat chemical to make it fluffy. SMH
You want to get BOBBY FISHER TEACHES CHESS> The real book, it's a work book. Then get him a really good opening book. A mat with chess clock-good plastic pieces that he can beat the crap out of with his friends. Green and white mat. A note pad so he can record his moves-also a pack of Knightmare chess-card game that stranges the chess game by drawing cards..:) Horwitz makes a mean opening book-MCO modern chess openings it doesn't matter if its' new, trust me he will learn how to close the door on people early and often if he studies openings. You can also make a king like pen make it look like cheese or have a chess buttons for his sweater. As one grows they then distribute the punishment and they need exact it five minutes at a time-then mulitple boards at a time. Chess can be a reflex too.
Spy taking the peoples elbow straight through the mat
Investing in my friends hedge fund business, I consider this under "creative financing," as these are unique opportunities that you can't just google and find randomly. The idea of this one is, investing in a business where the business can generate you a long term return on investment. Whether this be gas stations, storage facilities, laundry mat businesses, etc. are all ways to add additional "passive income," but will always require some work in the front end of beginning your journey.
I went to university with my buddy Mat. Mat ended up becoming an accountant. He's been my accountant since I started and he recently made partner at his firm.
Sorry that's not super helpful to you but just goes to show how far a personal relationship goes.
My rates actually went down with them about 25% for some reason. I have not questioned it. I don't think it's an age deal either. I keep waiting for some shit to go down so I can bring out the Ole jumping mat, but so far so good.
USAA actually was super overpriced in my old area. Some folks get mad at a particular company, but I see it as they're all mostly viewed the same to me. All the decent ones will be good enough and most will go up for various reasons so I don't hate the company and will go back uf there's evera good deal, but won't hesitate to shop around.
So in short, you capitalized on an opportunity, bought products off of eBay and Amazon, didn't have supply chain figured out and made $3500 of profit off of $14,000 in sales selling yellow haz mat suits and respirators
If you and your friends share a car, but you only paid for one of the floor mats, do you think they will not sell the car when they get a great offer because you refuse? They’ll throw you the floor mat and take their money.
You do have ownership, what you also need is perspective. Because you’re an owner, you get part of the payout that Musk paid for Twitter. But because you own such a paltry amount, you get no say over how the company is run or who it chooses to sell to. That’s the wya it should be. They guy who owns the floormat doesn’t get to tell the others who paid a lot more what to do.
Teaching is relatively easy to get back into. School districts are accustomed to losing employees to mat leave and SAHM life only to welcome them back years later. It's common in any female-dominated industry, and especially in those that attract nurturing types who love children. Many school districts will allow you retain credit for most or all of your years of service, meaning you will not start back at the bottom of the pay scale upon rehire.
Taking a step back from teaching is less likely to affect overall lifetime earnings than a typical corporate job. In a corporate job, your $50K salary can easily double in 5 years if you ascend the ranks on schedule. In classroom teaching, you don't get promotions, you stay in the same role for the duration of your career, thus the raises are not so dramatic. They're typically set such that you double your salary over a 30 year career, not 5 years of promotions and lateral job-hopping. So 5-7 years out of the classroom isn't as much of a devastating career setback.
I have a family member currently considering returning to public school teaching after a 7-year absence to raise kids. She is not at all concerned about finding a position. One thing she did to keep her skills sharp and build her resume was working part-time as a preschool teacher for 2 years prior to re-entering elementary education. Her children enjoyed the social interaction, and she enjoyed the benefit of free preschool tuition.
Sold out. I need it bad too. Was going pee in wife's bathroom and accidentally peed through the toilet seat and bowl onto my pants and her bath mat. I am not even allowed to use her bathroom. This should solve a few of my problems :/
True. Plus I think she has the option to go back to full time whenever she wants. So could do that before taking more mat leave. Thank you for your advice.
Yeah we are just concerned about taking more mat leave during this temporary part time period.
I am planning a mat leave. Looking at a refresh of digital marketing courses or perhaps project management.
Hope you are surviving the laundry mat
Those senate acquittals happened because the senate is full of boot licking hacks. Of course you’re going to be found not guilty when the jury is your fan club.
Also no one is denying trump had classified documents, not even trump, so you don’t have to go to the mat for daddy on this one.
Going to a laundry mat wish me luck
One time a few years ago i pissed my jeans in New Orleans so i had to walk to a laundry mat. I just got drunk and hung out there, wasn’t bad because i was one of them
Imagine me, going to a laundry mat and the freaks I see there. Last time a dude was yelling and blasting Mongolian metal
Amazon shipped me a mat a day late with an Enterprise truck in a box 7x too big. Calls or puts?
See... it's this mat... with conclusions... written on it.... that you can JUMP to!
You see, it would be this mat that you would put on the floor... and would have different conclusions written on it that you could jump to.
I’ve got an idea. Do you want to see it? It’s a “jump to conclusions” mat.
A jump to conclusions mat. It’s a mat , with different conclusions , that you can jump to.
You see, it would be this mat that you would put on the floor... and would have different CONCLUSIONS written on it that you could JUMP TO.
A jump to conclusions mat, its a mat that you jump to conclusions to.
If you knew me personally you'd have a totally different attitude towards me.
People who follow me, go places. I'm the kind of person where if I found out the company wasn't paying you enough - I'd make sure you get what you're due. Either with us, or somewhere else. I go to the mat for my people.
Anyway .. yeah, you need to associate with people like me. We like you, you go places. It's shitty, but the way building trust and getting ahead works. Remember, when someone like me refers someone - our ass is on the line for our calls.
Jump to conclusions mat. It has conclusions you can jump to.
A jump to conclusions mat.
No, probably something along the lines of car wash or laundry mat.
You are omitting political risks regards Taiwan, as well as costs of labor and raw material in China is going up so much factories are moving to Vietnam/ Stable SEA countries with large young labor pools. China has some long term issues, yet mat still be robust in real GDP growth, just not at 10-15% rates as in the past….
Term life insures your life for set number of years, let say 20 years. After that period, you have to get new policy at higher price and mat not even qualify.
Whole life insures you for entire life, and if you got it from top mutual companies that has strong historical performance of profit sharing every year (ie: dividends), you can expect return of around 5-6% with tax free access. You need to get it from the likes of New York Life or Mass Mutual, and do a 5/10 year pay up policy. It is a saving accounting on steroid, it is not similar to stock market investment. I wouldn't put all my money in it but it can be a valuable piece of your overall portfolio.
People think it is "bad idea" because historically you can get more return in stock market, which misses the point of diversifying from stock market. Funnily enough if someone tells them they can get around 5-6% return from Chase bank saving account with tax free access, and oh they can get some more money if they pass away, they'd certain put some money in there. If they are told its "whole life", they think its a plague. Funny how human mind works.
It's uses can be summed up as:
L= Lifetime insurance fund
O= Opportunity fund (if you see something that's an obvious better return opportunity than 5-6%, then take it out through policy loan and put it in there; loaned amounts still get dividends which should more or less wash off loan interest. A favorite opportunity of mine is whenever stock market is down 25%+ from top)
V= Volatility fund (When you are old in retirement, and let say you are down 20%+ ytd in that particular year like we are now, you can use the cash value from the policy to support yourself so you can give your stocks time to recover instead of selling them while down 20%+.)
E= Emergency fund.
None of those are similar to what you get in those countries so before you take out your jump to conclusions mat, take that into consideration
Thanks. That is helpful information. Hopefully, if you tried it for free, you would be convinced to pay even more!
But who knows..?
I don't know if I agree about the micro details. I know that "secret details" are what is being sold by a lot of instructors, but the way I perform foundational techniques is pretty much the same as what I learned from the "BJJ University" book years ago. In fact, this product came about after I convinced an open mat group to create flash cards referencing the BJJ University book. The group started learning so fast that the instructor closed the class, because it was making his teaching "look bad".
I know! Huh!
My videos will show state of the art technique. But I am trying to limit written instruction to no more than three key details. I want students to watch closely and create a strong visual memory from their toes to their fingers. I will only explain what is most essential or not visually obvious. I think this creates a "desirable difficulty" that will result in more effective learning.
Also, a lot of details generalize across techniques. So, I can emphasize one detail in "Kimura from Bottom Guard" and a different one in "Kimura from Side Control".
I also want to be clear that this is one tool and not a complete system. We are filling one need. There is already a ton of material available where people talk in depth about techniques. For many people, I think it is more than they can absorb.
I could be wrong about this approach. I could be overestimating the learners' ability to learn visually. I'm going to find out pretty soon.
Would you want to be a beta tester?
>Sorry to hear that you're not feeling bullish about the market tomorrow. However, I would advise against leaving your money under a mat, as there is always the potential for it to be stolen or lost. Instead, you might want to consider investing in a more secure location.
Bulls I won’t come to the market tomorrow, leave my money under the mat pls
Implied moves for earnings next week: