u/Ill-Entertainment118

If I have two MFH and want to buy myself a SFH what are some options? Does a cross collateral loan make the most sense? I imagine it depends on how much equity I have at the time.

A lot of people say we’re in a vibesession, and I want to be empathetic and I know there are a lot of things happening across the economy. I’m struggling a little bit because we’re objectively doing really well and we donate our time and money to causes in our community. Idk I think I got lucky, was smart, and worked hard, and what we have seems like a logical result of that. But idk what to do sometimes (are we allowed to mention other subs? See the millennial sub it’s so depressing) when so many people seem to be struggling other than to keep voting for prosocial policies. There are so many doomers online and I’m just in this happy little bubble. Maybe this is a rant, but what do you do? Maybe I’m just going to keep grinding and saving.

So I have a little bit of a marketing background, and made some company templates a while back. But now an MD wants changes and I’m just annoyed that I have to do what they want, when my old templates are objectively more polished. At my last position I had authority over this area, but everyone thinks they’re a graphic design expert when so many people can’t design their way out of a hat. I guess bringing in revenue makes you automatically an expert on every other function in the business. Idk why they hired me, they don’t seem to know how to utilize my skills (they also don’t loop me in on emails but expect tasks to be done). Maybe I’m just hormonal today. Just such a weird business culture and general ethics (unrelated). I just want my own business at this point.

My neighbor is selling their house (3-flat) next year and I want to make her an offer, but I just bought my house (also a 3 flat) recently and likely won’t qualify for another mortgage yet. Do you have any tips for how to approach her about this? Neither of us have done financing like this. She’s already retired, wants to move, and doesn’t want to deal with maintenance and tenants anymore.

I have a spot where I want a new tree, but it would require a step over type espalier. Is that a bad idea for a plum? I ordered a green gage Bavay and sources I’ve read all exclusively say to prune as some version of a fan. Otherwise I guess I could do a pear, but the dessert cultivars I like all require a pollinator which I would have to figure out the placement for.

So I also manage our office budget. Is it normal for the business owner to take money out of the accounts? It’s a small business and they own it 100%, but I’ve never had a boss just take money like that before and It really screws up the budget. I have to pay our bills and we always seem short because they are messing around and then I’ve been reprimanded before for the bills not getting paid and me not being anticipatory enough, but they just seem to do whatever they want without telling me and they’re also mixing personal and business spending. This kind of stuff makes me want to quit.

I found out that some of our MDs are trying to automate admin tasks with Claude. I’m not that worried about my role (EA and admin) because they don’t have a lot of visibility into my tasks or how they’re done. Plus, I help an executive that has trouble with tech, like sometimes with logging into Outlook or using PDFs. Am I naive to not be worried? My role is often high touch and a lot of the fully automated systems with vendors seem glitchy and annoying.

I applied to 11 positions this morning, keep your fingers crossed for me. I’m looking for a place with a good culture after not connecting with my latest CEO. It feels strange after leaving my former position on a high note. On the positive side, I’m seeing well compensated positions and was surprised to see ranges listed that were higher than random controller and CPA postings that are showing up on job boards. Here’s to the next gig!

I’m considering taking a blended EA/receptionist role at a prestigious firm. Worth it? The pay is good and would be a nice bump for me. My title at a smaller firm sounds better, so on paper it feels like a bit of a shift down.