The Captain
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Post by The Captain on Jul 22, 2015 12:28:08 GMT -5
...Update. www.yahoo.com/autos/jeep-cherokee-owners-get-upgrade-after-hackers-124667401327.htmlAccording to researchers Chris Valasek of IOActive and Charlie Miller, a former NSA staffer, there are issues in the Uconnect system that provides the connected infotainment and other internet-powered systems in Fiat Chrysler automobiles. They were able to create attacks that could connect to that system, jump over to a chip powering the in-vehicle entertainment and rewrite the firmware on that little piece of hardware. From there, their exploit code could send commands across the car, from killing the brakes to shutting off the engine and playing with the steering, as shown in a video on Wired. It’s total car compromise.
I seem to recall a thread where we were discussing creative ways to assassinate people. IIRC I posed the hypothesis that hackers could take over the computer system in a vehicle and cause an accident. One that police would be unlikely to, or unable to trace. I think Mr. Virgil Showlion opinioned that this scenario would be very unlikely because...XYZ. This was some time ago, so my memory is not perfect (obviously) - but I saw this and went hmm... Maybe we need to add this to our EE arsenal? In all seriousness, this stuff scares the stuffing out of me.
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The Captain
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Post by The Captain on Jul 22, 2015 12:04:49 GMT -5
Wait, how does your city charge for water usage if you didn't have a meter before?
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The Captain
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Post by The Captain on Jul 22, 2015 11:52:27 GMT -5
Well... Yesterday DH actually unpacked two bins in the den. Yea - him! I did...nothing but my job. Was actually in bed by 9. Can't even really count dinner because we got a pizza. Today is another day, though.
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Post by The Captain on Jul 22, 2015 11:15:55 GMT -5
I am so mad I can't even type what I want to say. ETA - it's a work thing. Come on down, I'll buy you a liquid lunch. Let us know what's up once your BP goes down.
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Post by The Captain on Jul 22, 2015 8:32:23 GMT -5
$2485 a month equates to an annual salary of approximately $30k or $15/hr. Not sure it would be the case in HCOLA like Seattle, but in many other areas, I'd be thinking long and hard about hiring a nanny instead of paying that for daycare since the cost difference wouldn't be great and you'd get more flexibility with a nanny. With more than one kid, the nanny would actually be a cost savings.
As for the $1500/month alwaysbeoptimizing will be paying for full day kindy and aftercare, I'd be tempted to seek out a grandma type to do that instead of going the school route. Not only for the added flexibility and more personal nature of the care, but because full day plus aftercare is a long, long day of having to be "on" for little people. Mine would have melted if they'd done all day kindy plus aftercare at that age...but having a "grandma" pick them up, play, bake a little would be fun for them.
All that said, I'm in complete agreement with alwaysbeoptimizing's wife that $1500 a month is a bargain price to pay not to live with your MIL. In fact, not living with MIL = PRICELESS.
DH and I were in this boat. Hiring a nanny isn't as rosy as it seems. The reliable ones are way more expensive than $15 an hour and you have to deal with the 5am sick calls on the day's you really can't afford to miss work. After watching a few co-workers go through this mess (and yes - they used a professional placement service) I decided a daycare with multiple employees was the way to go. One of my current coworkers is on her 3rd nanny in as many years. I don't know if it's more difficult to find good people in a metro area, or what, but the drama is just unbelievable.
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The Captain
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Post by The Captain on Jul 22, 2015 8:23:32 GMT -5
I agree but I'm still confused about garnishment and her sending check too. Is this normal? Been ages since dealing with payroll garnishments. But I don't remember employee also making separate payments too. Maybe it's because she is. PT? NNP, I am modifying my garnishment and setting up a payment arrangement. The $43 is the fee the IRS charges simply to set up the payment arrangement. I will have to send in the $21 each pay period on time myself until payroll is modified.
It is however likely, I will go more fully into the red until payroll is fixed, because they currently sweep everything after 22 hours a week. I currently work 26.5 or 27.5 hours a week, paid 26 or 27 because lunch is unpaid on the one day I work more than 6 hours. This is one of the many reasons I am irritated by the FT person hire. I originally projected I'd have this paid off via the current garnishment by year end, but given they(IRS) keep dicking me over, likely under the assumption I must be working under the table, I have no qualms on planning to let them lose legally in 4 / 5 years on the bargain, if I can't off this b4 then.
I have to respond to this. The IRS has protocols and procedures in place where they have to notify you of what is going to happen, and what the consequences are for not taking action. They are a government agency following pre-set procedures and not some individual interested in screwing around with you. Not.one.damn.thing. that's happening should come as a surprise if you actually read what was sent to you. And, while I realize you're obviously the expert in taxes and bankruptcy here, and not me, don't assume taxes will be discharged in bankruptcy automatically - because that is not always the case. I'm pretty sure that the factors that didn't allow for them to be discharged in your last bankruptcy will prevent them from being discharged in future bankruptcies. Not positive mind you, but if you did some homework (like I just did) you'd know there is that risk. But go ahead and keep doing what you're doing, because it's obviously working so well for you.
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Post by The Captain on Jul 21, 2015 16:54:13 GMT -5
sbcalimom - I am sorry your family is going through this. One thing to think about (among many) is that the $5K childcare flex-spending limit is per household. Once you divorce is final you and your Ex will have two households and should try to coordinate on this to maximize the benefit to you both. Same for HSA etc. Just be careful not to have too much withheld (as you did mention you hope this expense will go down next year).
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Post by The Captain on Jul 21, 2015 14:07:33 GMT -5
Well, we are fully common potters. It's all our money. Remember, I have the albatross that is my house. Even though the respective houses are only in one person's name, these are our problems. Thus, the $1,000 is our money. I understand and maybe it's just a line item issue but from your posts it hasn't sounded like your DH has dealt with this issue; you have.
And if your mother would ask what you did with the money; evicting/paying off DH's tenant would likely not be the answer she would like to hear. I know you would be more circumspect and say something like the money really helped us out during a tough time but I think you understand what I'm trying to say.
DH thinks I'm a bit of a nutter but I won't let his inheritance be used for anything but something that would make his grandmother proud. And I never met her!
Oh, wait - were you saying something?
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Post by The Captain on Jul 21, 2015 14:00:32 GMT -5
HVAC technician or Licensed Plumber. Yes, some training involved, but our CC's offer classes. DN had a few friends that took welding classes at the local CC and graduated with some sort of certification. They both had jobs waiting for them. Yep, the tech college I'm going to has all of these programs and there are waiting lists to get into them. But like many things, there is going to be at least some additional training and education required outside of a HS degree. Agreed. But to me the key takeaway is that it's going to take some additional training and/or education to get any kind of a decent paying career. In my area, at least, most of the well paying manufacturing jobs are gone. If you want to make more than $15 an hour you have to have skills that sets you apart from the crowd. Gone are the days where your Dad got you in at the steel mill or job site with no prior experience. Yep, there are exceptions, but those are not easy to find.
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Post by The Captain on Jul 21, 2015 13:35:58 GMT -5
HVAC technician or Licensed Plumber.
Yes, some training involved, but our CC's offer classes.
DN had a few friends that took welding classes at the local CC and graduated with some sort of certification. They both had jobs waiting for them.
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Post by The Captain on Jul 21, 2015 12:03:31 GMT -5
Thanks! I called my card companies last see to try to lower my interest rates. None of them would budge. It would have been funny if it wasn't so maddening when I called CC company #1 to lower my 19% interest. I told them my others were at 13% and wondered why they wouldn't even lower it to that. They said it was due to age of account (longer it was open, the better the rate) and utilization. I explained that it was,my oldest card and has the lowest balance/utilization. They didn't have an answer for me on why they still wouldn't lower it.Fortunately, that highest interest rate is your lowest balance. For a BT, you really need to look at the math to determine if it is going to be worthwhile for you to do this. If there is a 5% BT fee, you're going to get hit with that fee too. If you take the $175 you are currently paying and add $200 that you are diverting to savings, you will be sending nearly $400/mo to that. One suggestion to make extra money is to sell your plasma. You can make a couple hundred $$/mo if you do this regularly. I'd be throwing that at that 19.8% CC too. Some states don't allow this, in IL for example it's not allowed to sell blood products. Which makes it really hard for the blood banks because it really is 100% volunteer.
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Post by The Captain on Jul 21, 2015 11:27:49 GMT -5
I'm still ? ? ? ?-ing. Yes, I've read most of her previous threads (her MIL and the house; her MIL and the POD accounts; her money-grubbing young adult step-kids) and I still don't see how she is purportedly "acting better off than she is." I kinda get what she is getting at. Our income is not all that high at all. And sometimes we even have to watch our budget. But since we have no debt other than mortgage, I feel quite rich and my posts may come off that way sometimes. Actually I feel really rich, even though we can't afford annual lavish vacations or fancy cars, etc. Oh....but I'm not "acting" anything. I simply state how I feel. Well stated. Kudos.
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Post by The Captain on Jul 21, 2015 11:12:45 GMT -5
Doesn't the Cayman Islands get really hot and humid during the summer?
Think about what that will do to your hair. It does, just like Florida. So your hair will look a lot like Monica's on that final episode of Friends where her hair got bigger in every scene. The upside is that since everybody has the same hair, it's not as big a deal. Sorry. That was about the only downside (besides prison etc) that I could come up with.
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Post by The Captain on Jul 21, 2015 10:57:26 GMT -5
Doesn't the Cayman Islands get really hot and humid during the summer?
Think about what that will do to your hair.
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Post by The Captain on Jul 21, 2015 10:07:33 GMT -5
The best job is RA. Free room. Used to be free room and board but that's changed. Still, live for free. Yea, but those were almost impossible to get. I know, I tried all four years!
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Post by The Captain on Jul 21, 2015 8:59:32 GMT -5
Ok, I must be missing something or you are... I'm getting 705 total sent to cc. 1968 sent to mortgage and monthly bills (not counting savings). And 362 on odd bills. That is 3035. If you are netting 1479.64 a pay, that works to 3205.89 a month. Meaning covered plus a bit. Until high interest rate is gone I'd 1) give up travel. 2) significantly reduce gifts that cost $. 3) stop savgs as I said above, 4) consider a roomate, also, I'd consider getting a part time job - the objective of which is to solely pay of the CC debt and build up an EF to "X" amount. Did this when I first got out of school. Worked like a charm. I didn't have spare time to feel sorry for my self and engage in retail therapy. In my case I wanted my student loans paid off asap! I don't see student loans in there so you're ahead of a lot of folks.
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Post by The Captain on Jul 21, 2015 8:51:39 GMT -5
I'm wondering how much work study has changed from when I had it 30 years ago. I know it didn't reduce my Federal SL's because I graduated with the max on those. I remember very specifically being told the cafeteria could give me 25 hours a week on WS, the rest of my hours came out of their operating budget. They were constantly short handed because students were quitting or not showing up all the time. Worked for me because the extra hours gave me some spending money. 25 hours a week on WS at 3.35 an hour for about 8 months was around $2500. I'd make that much during the summer/spring break working all the hours I wanted at the greenhouse so I was able to cash flow about $5K, or 1/4 - of the cost myself, each year. I got super luck my senior year when my folks couldn't help but my internship bumped up my hours/pay. I was able to drop my lab op job and only do the internship and snack bar. Like teen persuasion, my computer lab operator job was not WS either. That was a more in demand position that I considered myself very lucky to have. It kinda hurt to give it up but I needed the internship experience more. I wonder if certain areas (like the cafeteria, building services, etc) still have a hard time keeping positions filled?
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Post by The Captain on Jul 21, 2015 8:25:25 GMT -5
(Flings cape back over her shoulder and takes stance with fists on her hips) Last night I finished unpacking my stuff in the den (in the basement). Wiped down my desk AND filing cabinet, got everything organized, sorted through stuff... AND, AND - took out three boxes of garbage/purged stuff. The garbage can is full, full, full! Took DH down to proudly show off my accomplishment. HE now has a pile of doom on his desk chair. I told him I expected him to finish unpacking his stuff in the den and get the paperwork filed by the end of this week. We've been in this house a year now, folks. We share a den with a computer table, rolling short filing cabinet and tall filing cabinet each (ikea style). There's some built in shelving that we can put stuff on as well as a small closet. I think at one time it may have been used as an additional bedroom. (Note - I take care of ALL the household stuff, bills, tax returns, paperwork. All he has to do is the filing). The love of my life looks at me and says "Hey, if you're not going to use your desk yet can I use it to sort the paperwork?" No!!! I finally have my desk back! (We've been using the dining room table as a quasi office and that has to stop!) However...I might be tempted to help him sort and file everything if we work together on the dining room table (more space) and he gives me some incentives. Got all this done while he was at an association meeting. As it turns out, you can rent the entertainment area in the pool for a party in advance for a measly $50. It's a bargain. So, good to know and I don't feel quite so put out about Sunday.
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Post by The Captain on Jul 20, 2015 16:49:51 GMT -5
And see, I thought we all learned from MJ2.0 that if we politely distract the stalker then they'd eventually give up.
NO, POM, I am NOT sending you any money!
(Ow...my eyes)
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Post by The Captain on Jul 20, 2015 16:42:58 GMT -5
Yea. I lent some money to a cousin once who was staying with me while attending trade school. I honestly don't remember if it was $1,500 or $2,500, but it was needed for a down payment on a vehicle so he could get to job assignments.
That was a lot of money to me at the time. That and doing fairly complex individual tax returns, spending hours on, so he can get full credit for taxes paid to other states (he worked construction so he had W-2's from 5-6 states per year) that I never even got a dinner or gift card for preparing.
It took him several years to get his shit together and by the time he did, he had some girl pregnant and could never be bothered to pay me back. Whenever I reminded him there was always an excuse. Course he found the money to go to Vegas for a quickie marriage and honeymoon.
Whatever. Lesson learned.
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Post by The Captain on Jul 20, 2015 16:35:49 GMT -5
OMG - DD pulled this on me as well - and I still can't figure out where I went wrong. Where did I go wrong? You had kids! Sooner or later you're going to get some attitude. milee pretty much beat me to it. DD is my kid after all, of course I expect some attitude. What I don't expect is a sense of entitlement or the belief that some things are beneath her (you mean I'll have to work a minimum wage job?!?) Yea - kiddo actually said that to me. I seriously have no idea where that came from.
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Post by The Captain on Jul 20, 2015 16:03:13 GMT -5
To, too, two.
I'm not one to judge though. When I get deep in the weeds numbers I notice my grammar starts to stutter...
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Post by The Captain on Jul 20, 2015 15:42:28 GMT -5
And let's not forget one of my personal favorites- I could care less. It's I COULDN'T care less!!
Sorry.. it was just really bugging me lol.
Yep. We have a thread discussing threesomes, ogling, and other not so PG13 things and what pushes Moon over the top is... Grammar. Yes folks, grammar.
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Post by The Captain on Jul 20, 2015 15:23:18 GMT -5
I'd go with A and save it. me too.
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Post by The Captain on Jul 20, 2015 15:15:18 GMT -5
If I only had to pay 20k for DS' degree I'd be hugging myself, lol. Me too.
But the money is only part of the issue. Of course it would be fantastic to not have to foot the entire bill. But I'd happily pay a little more for their college if they could also learn these lessons, which I think are critical since it's the last stage of extended parental involvement:
1) How to manage what they've got, whether the amount is generous or puny. We're already working on this at home but college is the first time they will be in more of a completely unsupervised sink-or-swim situation.
2) Problem solving. Sooner or later they'll make a goof. Maybe it will be with miscalculation money or maybe it will be with a class or whatever; I want them to demonstrate solid skills on solving their problem. Doesn't mean I won't help them at all, but I want them to put in the legwork of creating possible solutions etc.
3) Attitude of gratitude. Even though we're fairly tough on them, my boys are incredibly lucky to be born to educated parents who give them lots of enriching experiences, guidance and financial support. It's important to me that they recognize and value that; entitlement attitude is something that makes me nuts and I'd feel like I failed as a parent if one of my kids showed entitlement attitude. My older son broke out with an incredibly bratty, entitled 'tude the other day and it horrified me... again, working on it.
OMG - DD pulled this on me as well - and I still can't figure out where I went wrong.
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Post by The Captain on Jul 20, 2015 14:38:27 GMT -5
I get this. I'm in a similar boat, but was home full-time for 14 years and part-time for the last 3. (Never my plan, life happens when you are making other plans.) I have a professional degree, but due to family commitments at home, I did not maintain my credentials. (No need to beat me down on that one -- I flog myself continually so I am good there. ) And, even if I still had my professional credentials, I am not sure that is where my strengths lie and the schedule demands (60+ hour work weeks are typical) are not something I am interested in anymore. I, too, am good with people. But, since I can also prioritize tasks, juggle many balls, and put out fires like no one's business, I'd also excel at backroom/support stuff. I get stoked by making a difference whether it is in a transaction or in the "making the world a better place" arena. I've done the retail route, but that is a fast track to nowhere, frankly. I am open to corporate offices/small businesses/non-profits/start-ups/entrenched institutions, etc. I want a long-term job/career. I need the money. I need the intellectual stimulation. I need a reason to get dressed every day and leave the house. The kids are getting ready to launch to college. I have no more reason/excuse to stay home. I need to start the next chapter of my life so I don't hover over my kids as they start their own lives. Like Moneymom, I just don't know where to start. I tell everyone and anyone that I am looking for a job. I search Craigslist almost daily, but most of the ads are for Uber these days and Uber sounds as bad as retail. Anyone want a 55-year-old bright, capable, intelligent, loyal worker who can write well, speak well, dress appropriately, and arrive on time? I think a recruiter once told me that over 2/3'ds of the open positions never make it to advertisements. Do you have contacts in a network? Are there businesses around you that have full parking lots ( = doing well may be hiring - call HR). Put it out to your friends/contacts that you are in the market. DH's company is always hiring for help desk support. It's shocking how many folks are out there who cannot interact with stressed out customers.
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Post by The Captain on Jul 20, 2015 14:33:05 GMT -5
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Post by The Captain on Jul 20, 2015 14:26:52 GMT -5
1. What people on public assistance can and can't do 2. What constitutes public assistance 3. Working vs Stay at home moms parents 4. Why women are victims of society 5. Why men are victims of society 6. Racial inequality 7. "Reverse" discrimination 8. STEM vs Non-STEM major 9. Food stamps (any topic) 10. Chocolate vs. Vanilla 11. Snow leopards - good or evil? Did I miss anything?
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Post by The Captain on Jul 20, 2015 14:20:25 GMT -5
Oh it pains me to admit it but my DH was right about the landscaper contractor. That woman be a crazy b*tch! ...
I sure hope Monday goes o.k. and that there won't be another yelling fest.
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Post by The Captain on Jul 20, 2015 12:52:07 GMT -5
Can I just say I love you guys. I know this post is all over the place. I cannot talk to my friends about this. I tried to discuss it with my two closest friends and was heavily disappointed. They both just stressed how anyone would love to be in my shoes, where they can stay at home with their kids and not work. I don't think they understand though that I'm not my happiest at this point and I need more mental stimulation. Oh Hell No! DD and the family are much better off with a sane, working The Captain mommy that with one staying at home. There's lots of peeps on this board that "gets" that. So you want to feel like you're contributing (and you are now, you realize that - right?) and need personal fulfillment? Nothing wrong with that. So seriously - start brainstorming - tell us what you're good at (besides flipping - I have little to no experience there).
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