Forum Replies Created
I remember reading somewhere that fewer than 10 states have a gender-neutral process for changing a name after marriage, and in all other states you have to go through the regular name change process. And even in California there was a court case about it and it was only changed very recently, like last 5 years.
Yeah, it is creepy. Plus from that response about the ex-husband, it sounds like the issue might be about having an ex-husband at all rather than the name.
I just want to put it out there: if you’re looking for a money managers to help invest your money, I’ll just give you the best advice for free: throw it in an index fund with low fee ratios (Vanguard and Fidelity have good ones) and forget about it. It’ll do better than active investment. If you don’t believe me, and you haven’t read about Warren Buffett’s bet with an investment firm almost 10 years ago: http://www.investopedia.com/articles/investing/030916/buffetts-bet-hedge-funds-year-eight-brka-brkb.asp?lgl=rira-baseline-vertical (This advice might not be as good for those in some countries outside the US, depending on how the tax system treats investments).
In terms of financial planners, I’d look for someone who doesn’t work on commission or invest your money for you. I think there was a deep dive on John Oliver into those types – they might actually be called money managers, I can’t remember. But they can rake you over the coals.
In terms of how other people live, i think it’s good to remember that you don’t know others’ financial situations. Like I’m not broadcasting how privileged me and my husband are, so we had a bunch of friends/colleagues surprised that we could afford the house we’re buying. Having the income we have helps (and they can get a pretty good idea of what that is), plus we live somewhat frugally and I budget, but they don’t see the money we have from our parents, lack of school debt, that we have lived in a condo bought by parents for the last few years, etc. Without all that, I don’t honestly know if we’d buy a place like this now or ever.
The best advice is usually live within your means, cut down on unnecessary recurring expenses or find cheaper options, build up an emergency fund of 6-ish months of expenses, “pay yourself first” (put as much money towards retirement as you can, like tax-advantaged accounts). And if you’re thinking of buying a place, make sure you’re planning to live there for at least 5 years and really compare the cost to renting.
*Raises hand* Prius driver here!
As for Uber vs Lyft, I only ride with Lyft, but that’s mostly because my Uber registration got screwed up somehow and I could never get it to work. Lyft worked out the gate. Plus, I’m always finding people who don’t have lyft and give them my code, so I’ve gotten a ton of free rides. Everyone I know already has Uber.
If I were doing Lyft/Uber, I’d be an extremely cautious driver – last I heard, your personal car insurance usually doesn’t cover you if you’re in an accident while you’re driving for those companies.
I haven’t done that myself, but I think it can’t hurt. I think if I were dating, I wouldn’t necessarily make a vision board, but I’d at least try a list like MissDre. In therapy, I found that the act of writing things down solidified it in my mind more and helped me be more positive, so there’s that.
I feel like so many side hustles can be specific to your location, skills, and resources. I have a friend that resells stuff she finds in her building’s loading dock on Craigslist – just so happens a lot of people leave free stuff in good condition and she was down there a lot already getting furniture for her own apartment. If you have something to rent out, there’s that. Digital downloads, especially ones where you only do the work once, are great (knitting/crochet/cross-stitch patterns are what comes to mind immediately, but short booklets or how-to’s might work). If I start selling knitting-related things one day, it’ll be digital patterns.
I listen to a podcast called Side Hustle School. It’s really a series of other people’s side hustles, but they serve as examples and the host usually has some sort of lesson or new online resource to check out.
Oh, and are the paint stains something you could throw a rug or two over, or move some furniture over? If they don’t see it, they can’t complain about it.
Those seem like reasonable steps, Dre.
By the way, I’m not sure if you’ve mentioned it, but have you turned down any potential guests? If anything seems even the slightest bit off about them, I wouldn’t feel bad doing that. I’ve been turned down before (like over the holidays and we were looking for a single night, or the person said they forgot to take certain dates down, those types of things) and it was totally fine.
Oh and Dre, you might already know this (I just found out recently), but apparently there is a way for hosts to see all the previous reviews a guest has left for others? Doesn’t help too much for all those brand new accounts, but it might be a way to weed out the pickier guests. Even if they wrote a single review it might be enlightening.
Yikes, that sucks MissDre! I’ve used Airbnb as a guest and I don’t think I’ve ever left a bad review. Sometimes I’ll put in an FYI if something wasn’t really clear from the listing (like this is a very residential neighborhood, etc.) or send a probate message being like you should probably look into this. But I can’t remember any time I’ve left a negative review like that. I think raising your prices might help…
On the other hand, I did get a negative review from a host recently that was bizarre – she basically complained that we didn’t clean up enough when there was a rather hefty cleaning fee and we still took out the garbage, etc. Like, she complained about sand when it was a beach house. I’m hoping that when other hosts see that, their reaction will be like wtf?