Lurker > Tony_Biggie_Pun

Crono and Cloud fans have Square overlap. Mega Man and Cloud would have been more competitive. Different demographics

Yes this is the first time he's gotten this far in the tourney. So he's fresh compared to Link, Cloud etc.

It's possible Mega Man is a fresh face

Crono's getting beat bad right now :/

He didn't kill anyone so he got lucky

Bullet_Wing posted...

They gave you the job with no experience? Congrats, that's a great step

Yeah I'm working at Infosys. Its a huge step up. My only professional experience is as an IT intern. Now my salary is going to be 57,000 a year, before taxes. Just two months ago I was basically unemployed except for working random Sundays serving fast food.

The training is so so thorough we started at the basics all the way with primitive data types and bytes and working our way up to objects classes, regex and Monday we're going into collections. I have a much stronger knowledge of Java than any college course just from being at work. And this is just the first week of Java. I learned a whole new language, python in 1 week as well.

Its 8 hours a day 9-5(we got off at 4:30 though) straight coding and learning and I'm getting paid and the instructor is great and engaging. Its just what I wanted crazy, how your much things can change in just a few weeks

So far I'm having fun in Indiana it's nice but I can't live out here lol I'm getting excited thinking about when I move back to the tri-state area

Some if the girls are cute it here though.. mainly in the YMCA they have that college athletics type vibe pretty cool

clearaflagrantj posted...

Counter Terrorism?

Hartford Connecticut! It might sound lame but it's kinda close to my home in NYC lol at least closer than where I'm at now (Indiana)

So far so good it's going great for me. I'm still in the training stages but the training is so thorough I'm understanding Java much better than ever. And the pay is solid. Sheet taxes i get 1586 every two weeks basically. I got my first paycheck last week

I'm a few weeks I'm going to get my own place in Hartford. Right now I'm just trying to save up and prepare for the move, but based on the pay I should be able to get an apartment and okay the rent without struggling.

It's just a good opportunity to grow. Now I'm doing more than sitting in my Mother's living room all day playing video games or struggling with minimum wage type jobs. I miss my family but this is for the best I can actually help out now too

If not for CEs advice I might have just stayed home and in my comfort zone not doing much and swimming to my neck in debt

Kenny_Mayne posted...

Tony_Biggie_Pun posted...

Kenny_Mayne posted...

Youre making a huge mistake that you'll end up regretting

Thanks bro, how so?

I moved for a job once. Biggest mistake of my life.

Aww man were you miserable? Was it lonely?

Tony_Biggie_Pun posted...

@Kenny_Mayne posted...

Youre making a huge mistake that you'll end up regretting

Thanks bro, how so?

The nervousness is setting in I'm hoping I'm not sad being away from my family once I go :/

Kenny_Mayne posted...

Youre making a huge mistake that you'll end up regretting

Thanks bro, how so?

fhqwhgads posted...

Sounds exciting, congrats man.

Thanks man. I'm terrified lol but I'll make the most out of it

Questionmarktarius posted...

Hope you're not a liberal, or even remotely close.
How Indiana became the bastion of evangelical conservatives is anyone's guess.

I don't subscribe to being any political side but people probably would describe me as liberal

Thank you I'm going to be so sad in Indianapolis my heart is breaking just thinking about the move. I'll try to keep my head up though

Earlier in the month I posted about how I got a job offer for Software engineering and that the training was in Indianapolis but I was too scared of the move to take it. I never got on a plane before and never lived away from my home in NYC.

Right now my hotel and plane tickets have been booked by the company so all I have to do is pack my stuff and go. The training is for two months. Then one I get my project it we'll probably be located in Connecticut but I'm not 100% sure

My hotel accommodations were just confirmed tonight so I guess I'm going to just take the lead of faith and go out there. They're going to pay during training and it is $57,000 a year salary. Or $27.4 an hour. With a 2000 sign on bonus the first paycheck and 2000 after the first 6 months of working.

I also posted how I was in like $10,000 debt earlier this month so that's actually going to hello towards that lol

I'm still of scared though and in my heart I don't want to go but fuck it in just going to do it since everything is payed for. I know I'm going to be lonely though wish me luck tho and thanks CE for the advice

I've been considering it. I'm leaning towards doing it. Only if they have a hotel or something for me to stay in

I'm still scared AF though. Also which airport is better in NYC LaGuardia or JFK?

glitteringfairy posted...

Why can you not drive?

My family never had a car growing up. Most people my age in NYC can't drive(early to mid 20s)

Muffinz0rz posted...

Hartford to NYC is showing about 3 hours right now. Hartford is probably in the "middle"-ish part of CT, so you can definitely give or take an hour or two for that.

Either way, definitely driving distance for a weekend visit.

Yeah I was thinking that. I can take a Peter Pan Bus back to NYC every weekend for visits.

The Indianapolis part is whats throwing me for a loop smh. I was just warming up to it until that happened. I've never even gotten on a plane before. It makes he process more complicated

1NfamousACE_2 posted...

Muffinz0rz posted...

Easy yes. CT is driving distance back to NY as well in case your mother needs attention or you just want to visit.

lol...you don't know what part of CT the job is in.

Yeah its in Hartford CT, also I cant drive yet

Yeah basically being away from my friends and family. My mother who's getting older as well. I also have a huge fear of flying. If it was just going to CT, the move would be easier :/ I was actually considering it and excited until Indianapolis came into the picture

Thats like 20 hours from home on Greyhound

Have been looking for 1 year and 9 months since graduating. The job is a Software Dev for 56K a year. There's also 7000 in bonuses on top of it in the first year.

I live in NYC. They're offering to get me a plane ticket to go to Indanapolis to do training then after training I have to move to CT.

Should I do it? Its a big opportunity, but its scary and I feel like I won't be happy, Especially with the move to Indianapolis.

They were worthless hypocrites. Give me Liberty or Give me Death! But don't take my slaves

Smh

It's my best job and pays me the most per hour right now. I can't let it go until I find a proper replacement. But yeah I understand it is hard work and almost half my time is spent traveling. It really is an all day affair.

Edit: Some good news though! I just started working at the Barclays Center. I already finished training and my work officially starts in 2 weeks

DoctorVader posted...

There's so much wrong here that I'll have to come back to this post later.

But TC, you realize minimum wage in NYC is $24k-$26k right? And will increase to $27k-$30k in 3 months? Why the fuck are you wasting time going to the Meadowlands? It's a mission to get there just by car from Queens.

They pay me 18.5+ an hour. Maybe 19 haven't looked at my paystubs in a while(I get direct deposit).

The issue is that its usually only once a week since it is event based Football Sundays etc. And when Football season is over, there is no work. Its a good sidejob. It was my first job ever, and I never lost it

https://www.boston.com/news/politics/2018/09/28/women-confront-jeff-flake-on-his-way-kavanaugh-hearing

Damn listening to them speak is actually pretty heartbreaking

How much debt do you have? If its low you probably should still pay it off

SuperMedz3 posted...

Tony_Biggie_Pun posted...

SuperMedz3 posted...

Dont have the money dont buy the iPhone

I don't have an iPhone. I have a cracked ZTE Zmax pro from 1 year and 8 months ago. Actually I hate iPhones

How did it crack?

I dropped it while at work lol I even had a tempered glass screen protector. I was mad too because I wanted to sell it. It's an unlocked carrier phone

SuperMedz3 posted...

Dont have the money dont buy the iPhone

I don't have an iPhone. I have a cracked ZTE Zmax pro from 1 year and 8 months ago. Actually I hate iPhones

Yeah its crazy. Tbh I don't know how. It got out of control so quickly out of no where.

While I was in college I got these credit cards to build my credit. Had done well for the first two years. One year I had 4 different part time jobs (tutoring, IT internship, the stadium job and also another school related job), while going to school full time. I was also getting financial aid. The problem was that I was spending so much in fastfood and transportation. My budget was way off.

Really a big issue of mines was also lending money. I got involved with this girl who would ask me for food like 3 -4 times a week. Just fast food. I felt bad for some reason, thinking she just had no money was starving etc. I'd order dominoes for her and have it delivered to her house. Each time I'd order though thats like $20-$30. Just trying to do the right thing and be a nice guy In reality there are people in the world who really have no concious and will use someone for everything they have as long as possible if they can get away with it. I was stupid tbh I don't know sometimes you can really get lost and wrapped up in someone elses personal life. She was probably lying about everything. Its crazy how I let that happen to me. I'm not propud of it, but its to late its in the past.

Overtime though along with my own personal expenses it added up quick. Tbh I don't spend on much, I don't buy all types of video game consoles, or phones clothes etc. I don't spend money that much on electronics. Its just every day expenses got away from me. Also traveling to my various jobs via the MTA with all those metrocards. Fast food while ium on the street and hungry etc. It sounds crazy but yeah it really is mostly those things and interest that make up those bills. and maybe a few games here and there.

Woah thats insane. Can't you just block the phone calls? Or do they call from different numbers?

Smashingpmkns posted...

$22k more than what you make already would definitely be life changing. You're not doing yourself any favors hoping a programming job will fall in your lap though. Make steps to bettering your situation while still looking for a programming job. Get a desk job doing menial shit for the mean time. It's totally possible and theres no reason as to why you cant get one. And it'll look better on a resume for a programming job than serving hot dogs to drunks.

Thanks for this advice. What are some good companies or places I should go to for solid desk jobs?

BlazinBlue88 posted...

Tony_Biggie_Pun posted...

I actually have a degree in Bachelors degree in CS

Dude wtf....

Make an account on LinkedIn, Indeed, and Dice. Fill out all the resume info on those sites that you can. Recruiters constantly scour those sites for potential employees and contact them. Also google IT recruiter agencies in your area and schedule meetings with them. They will help place you in an entry level IT job.

I do I have a linked in. Not going to link it here though for confidential reasons. but yeah I've been doing all of that. I have an online webcam interview today at 11:15. Hoping to do well, but usually my problem is that I'll do all these things then recruiters go ghost. Or if not the job opportunity will be in another state or somewhere across the country and I do not want to relocate

pres_madagascar posted...

Tony_Biggie_Pun posted...

pres_madagascar posted...

Lol I stopped paying all 7 of my credit cards two years ago. Haven't had to pay anything since. My credit also only took a 200 point loss and has since recovered 100 of that due to my car being nearly paid off and my cell phone and shit

Yeahh I was thinking of something like this lol. They dinged me 250 on my score and I've been actually trying for the last two years. Makes me feel like I might as well bottom out and start up from scratch. My score is going to be shit regardless :/

Still better than if you'd declare bankruptcy. Still better than letting thousands in interest continue to build as you pay them.

I literally tried everything to get a loan to consolidate. Nope. Eventually just said fuck it. It's been a tremendous load of stress off my mind.

What's handy too, is if you do intend to pay, and not wait the 7 years shit, you can take them on one by one, or wait till third party collection companies buy the debt and pay it off at a fraction of the original number using one of their settlement offers.

Yeah I've heard of that with collections. It does make sense though. Why pay something that I literally cant pay? Maybe in a year or two my situation is different then if I actually can pay it, I'd just pay it and wipe it off my slate.

So far I noticed my debt is increasing and i'm not even using my cards. Pretty ridiculous. To go from 1600ish to 2200ish on a card I haven't even used in 6 months just because of fees and interests

t_paynes_ghost posted...

Tony_Biggie_Pun posted...

t_paynes_ghost posted...

t_paynes_ghost posted...

Okay first thing to do.

https://docs.google.com/spreadsheets/u/0/d/1szEVGLcl5QmFDEZPYBuckk0gJ_rtGAtoWQYjk9q0jrQ/edit?ntd=1&usp=sheets_home&ths=true

This google sheet template is everything you need for a basic budgeting. Clone this to your own google account and use it!

What you need to do, is starting October 1st. Write down every single thing that earns you money, and every single thing you spend on money. Customize the various expense subjects to your liking. After a couple weeks you may be surprised about how you spend your money, and after a month you will have a pretty decent view of your current financial status.

Thanks just requested access

Don't request access, clone these sheets.

I cant see the sheets they have restricted access.

TheBiggerWiggle posted...

I dont want to be a dick but I dont understand whats going on here. You live in New York, but drive two hours to another state for 8K a year? Why do you do this? There should be plenty of work near you. Work you get paid more for.

Like you could probably make more money driving for Uber. You can probably find a data entry job that pays at least ten an hour. Hell even McDonalds would be a better option.

I don't drive I take public transportation. Subway to port authority then take NJ transit to Metlife Stadium.

I'm not working at McDonalds. I rather be broke than miserable. Especially with how NY customers talk to people. I did work at Best Buy but the issue with chain and retail jobs like this is that they never give you consistent hours. You might work just 1 or 2 times in a week. Maybe because in NY there so many people they can be choosy with who they hire or give hours

Smashingpmkns posted...

Tony_Biggie_Pun posted...

Yeah I'd love an entry level office job for that much. Would be super easy, its been hard for me thouygh. I recently did just get hired by the Barclays Center to do concessions and thats a basketball stadium so way more events than just Sunday. I start next week

Look for a time share company that you can get a data entry job for. Not joking. Time shares are bullshit but you won't be selling them and the companies pay great money, and dont usually run a credit check for employees. I'd say get a bank job but I'm not sure how they'll view your debt even though it's not very large in the grand scheme of things.

Im in NY so I'm lucky in that legally you cant check for credit as a basis for hiring someone.

I actually have a degree in Bachelors degree in CS. So I've been focused on finding programming jobs or jobs related to computers in my field but have had no dice within the last two years except for one opportunity that would have required me to relocate.

I've also worked part time at Best Buy with the Geek Squad but that was seasonal and they didn't bring me back last season and also when I did work they'd barely give me hours anyway. I'm thinking maybe I'm looking in the wrong places for jobs.

If I could find a place where I can get an office job that would be splendid. Office work is so easy its ridiculous and I don't mind wearing suits to work. Even just a $30,000 a year job could be life changing somewhat

pres_madagascar posted...

Lol I stopped paying all 7 of my credit cards two years ago. Haven't had to pay anything since. My credit also only took a 200 point loss and has since recovered 100 of that due to my car being nearly paid off and my cell phone and shit

Yeahh I was thinking of something like this lol. They dinged me 250 on my score and I've been actually trying for the last two years. Makes me feel like I might as well bottom out and start up from scratch. My score is going to be shit regardless :/

t_paynes_ghost posted...

t_paynes_ghost posted...

Okay first thing to do.

https://docs.google.com/spreadsheets/u/0/d/1szEVGLcl5QmFDEZPYBuckk0gJ_rtGAtoWQYjk9q0jrQ/edit?ntd=1&usp=sheets_home&ths=true

This google sheet template is everything you need for a basic budgeting. Clone this to your own google account and use it!

What you need to do, is starting October 1st. Write down every single thing that earns you money, and every single thing you spend on money. Customize the various expense subjects to your liking. After a couple weeks you may be surprised about how you spend your money, and after a month you will have a pretty decent view of your current financial status.

Thanks just requested access

Fony posted...

You're pretty fucking dumb for working that job anyway, no matter WHAT. Bag fucking groceries for tips in any little fruit market within 10 miles of your house.

I've had it since Highschool. At the very least its been reliable. Also its part time so I can do that and have other jobs as well so thats why I keep it.

Yeah I'd love an entry level office job for that much. Would be super easy, its been hard for me thouygh. I recently did just get hired by the Barclays Center to do concessions and thats a basketball stadium so way more events than just Sunday. I start next week

Dat_Cracka_Jax posted...

Tony_Biggie_Pun posted...

jcmason posted...

But you said you can put 75% of your pay towards savings, which means you can put 75% towards debts.

Yeah I was doing that and making no progress. It feels so horrible slaving away at work, using all of my money to travel to work, or pay debts. And having to rely on my mother to give me personal money.

You make 8k/yr. You're not slaving away at anything

Yes I am, I when I have to travel all the way to Jersey from NY to work(I work at Metlife Stadium so work days are dependent on events) then we get off at like 12 at night and then its 2 hours+ of travel back home and I get home at 3, completely exausted.

My main issues are travel and late hours. Leaves me exhausted. Thinking about having to give my whole check to someone after all of that, its like I might as well just stay home.

I cant pay 450 per check though. My average check is between 100-200 dollars. Thats the whole check. Even if I pay my whole check towards debts, the fees from all the cards basically wipe it out. And then I basically just worked for nothing. Plus I need money to eat and travel at least

jcmason posted...

But you said you can put 75% of your pay towards savings, which means you can put 75% towards debts.

Yeah I was doing that and making no progress. It feels so horrible slaving away at work, using all of my money to travel to work, or pay debts. And having to rely on my mother to give me personal money.

jcmason posted...

Once you clear a card, move on to the next lowest one. This is called debt chunking, its one of the most popular methods for repaying large debts (far larger than yours) with minimal income.

Thats true. I can do that with my smaller cards. I'm thinking once I get my next check, I may pay off the $450 credit card in total. Those 2300, and 5000 ones are like a monkey on my back though.

t_paynes_ghost posted...

Okay fair enough.

You don't want to default on small CC loans. Collections will just take your parents possessions, and you don't want to go through the emotional pain that comes with that, nor would you want to put your parents through that. And above all, you want to feel the sweet victory of conquering this challenge. There is no feeling greater than knowing you don't owe anyone anything.

Wow I didn't know they can do that is that really true? The only possession we really have is our apartment

t_paynes_ghost posted...

What's your budget look like? What's your income? What are your monthly bills? What frivilous entertainments do you currently spend money on? Got a spreadsheet you can link? Maybe I can help recommend some lifestyle downsizing for you. I just went through a 6 month exercise of lifestyle shrink with my wife so we could afford a kid with her being a stay at home mom, so I think I've gotten pretty good at finding the open cash.

My budget is very low, I'm cut spending spending so much, I have to pay transportation to get to work though. I'll say I spend about 20 a week of my own money on personal things. I try to stay at home to avoid spending money. Income wise I have a few part time jobs. Nothing tangible my income is about 8000 ish per year.

I only make about 8000 per year though. It'd be one thing if I made even had a minimum wage full time job

No I'm just just weighing my options. Its something I'm considering, but other people may have advice or warnings on why I shouldn't do it so thats why I made the topic

t_paynes_ghost posted...

Tony_Biggie_Pun posted...

I did get a personal line offer in the mail for about 20000 but I don't want to take any more lines of credit because I know I won't be able to pay it off. Consolidating the debt is just delaying the inevitable for me, until I get a real job in my field.

Consolidating debt makes the debt easier to see, more manageable, and easier to pay off with a lower interest rate.

You should absolutely consolidate to a lower interest rate. If you don't do this you are outwardly admitting you want to fail.

I've heard that after 7 years if you don't pay a debt it gets wiped from your history. I was thinking about going that route with the higher cards. Because from what I see if I keep trying to pay those cards now with my current income, it'll take maybe more than 7 years to pay it off

Esrac posted...

Though if your debt problems have already damaged your credit enough, you may need someone to cosign for it.

Yeah my credit score is about 499-509 right now. Last year it was about 670. Two years ago it was like 750