bros402

bros402 t1_j5lq2v8 wrote

Guessing you need it for school or something? I had to pass an auditory exam to get into my education program.

If you need a good quick auditory screening - Dr. John Starke in Hazlet. No nonsense old dude (he's like 80), you're in and out in 20 minutes. Then you can get a physical at one of the doctors on Beers Street, then a vision check at one of the doctors there.

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bros402 t1_j2f1d44 wrote

First, talk to a lawyer and get a will. Tell the lawyer your wishes.

Then, talk to the humane society - they'll have people at the organization who will help arrange things.

Have you thought about your funeral arrangements? You can donate your body to science for a free cremation

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bros402 t1_j2duv7v wrote

If it's only a month to get a job, just live off of rice and beans for a while but make sure to pay the full amount towards the mortgage and the car. Those are the two most important things (assuming you are in an area where a car is necessary)

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bros402 t1_j2dtuel wrote

If you want a one time consult, talk to a fee only financial advisor that is a fiduciary - I would bet my bank account that your parents weren't talking to one of those and they were talking to a salesman who convinced them to put everything in tech stocks right before the dot com bubble burst.

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bros402 t1_j2dtmga wrote

Rule of thumb is 3x yearly income - so 285k is at the higher end.

Make sure you have around 3-5% of the value of the house saved for the first year - there's gonna be stuff that comes up, things you will want to change, etc.

after that, 1%-2% of the value of the home for maintenance

that should be on top of your 6 month emergency fund (at least IMO)

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bros402 t1_j2dsy8d wrote

Would you be able to afford the mortgage + car if you stopped paying the other debts?

How long will it take for partner to get a job, do you think it will be relatively quick? If so, will you be able to cover the debts when that happens?

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bros402 t1_j2c99q4 wrote

Okay, you're 20 - you have not ruined your financial future at all, do not worry.

With the skin stuff, you need to see a therapist - you probably have dermatillomania or some other disorder. You can also lose weight, it will take a while, but you can do it!

For the scars, you could always see a plastic surgeon when you have the money to pay for it out of pocket. However, you don't need to get rid of those scars, I bet you look nice with the scars.

For exercise - start simple. I am not near your weight, but I was uncomfortable with the amount of weight I gained from a medication. I started playing Beat Saber 20 minutes a day, and I have lost 3 pounds in the last 6 weeks (Yeah, it isn't a lot, but it is something) without much of a change in diet.

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