Bounce house rentals danville va

I keep hearing all of these rental shortage, people can't find room, everyone's lining up to inspect a rental blablabla...however, I've been advertising my room for nearly a week on flatmates.com and flatmatefinder.com for $300/week in Coburg North, by the tram stop, train station close by, house is spacious, fresh, and generously equipped, presented very well, yet I only have 2 people messaging (which both I am not keen on). I posted the room in various other Facebook groups (Fairy Floss etc) with absolutely no luck at all, literally no one texted me.
I honestly was expecting to get quite a few enquiries considering the hoo haa of current rental shortage, assuming that people would consider looking into sharehouse arrangement when it becomes too competitive/expensive to rent directly from REA. I seriously wonder if this is all just over sensationalism from the media, cos I sure as hell don't see it in reality!

My (35) wife (31) and I live in Santa Monica and for all intents and purposes are “high income.” We combined make >$300k-$350k per year depending on her bonuses.
We moved to SoCal from NYC during the pandemic (pre-planned) and were planning to buy a home once we were settled and could check out some neighborhoods.
Living in New York as a young 20 something making $40k per year didn’t allow me to save up a lot, so I fell behind and really only got serious about saving when I turned around 28.
Now I have $142k in 401k, $16k in traditional IRA, and she has $250k in 401k and $80k in IRA. Our savings is over $300k in a HYSA.
During the pandemic, we found a 2/2 rental apartment $1000 under market value at $3,300 per month.
We are currently trying for a baby.
When we started looking for a house in 2021 we were bidding against often more than 20 bidders, mostly all cash and decided to give up until everything chilled out because of sheer exhaustion. Now, the rates and the prices have gone up so much that I don’t even feel comfortable with starter home prices and the neighborhoods they are in.
Things are over $1.2M for any 2/2 that isn’t a shack and is still in a not desirable neighborhood. When we factor in insurance and property taxes, that would bring our payment over $7-8k per month! I know we make a good amount of money but god forbid one of us loses our job the other couldn’t swing it.
On top of that, I feel like all of my friends bought right at the perfect time and I’m behind. I don’t know if I’m being too conservative with my money? After maxing our 401k’s we have about $11,800 take home not including my wife’s quarterly bonuses in case she hits sales goals (not guaranteed).
If you were me would you try and buy right now or stay in our apartment knowing we are going to try and start a family?
Sorry for the long post.

Hi all! Could use some advice on an major issues with my house. My parents passed away and left my childhood home to me. My husband and I are currently living here and saving to buy our own home. We’ve been here about 6 years, and moved in to care for my mom in her last few years of life.
There are many issues we had no knowledge of, and I’m sick of this house. Right after inheriting it, we had a major issue with roots destroying our septic tank. Was disgusted because it cost us $30,000 to fix. This literally happened a month after I formally inherited it. Also had to replace a hood portion of the fence which cost about $3,000.
For the past few years, we’ve had a major issue with bugs getting in. I’m assuming it’s due to a huge horizontal crack that spans the perimeter of the foundation. We’ve had huge spiders, ants, flies and bees (yes bees) entire the house from various cracks and through the vents/HVAC system. Also had termites which we had to pay pest control to address that issue.
My parents have a lot of clutter that were slowly trying to get through and throw out or donate. We also had dry rot that spans the entire perimeter of the house. Based on all this, I want to walk away from this house. My husband wants to stay here a bit longer to give us more time to save and move into our own home. He also thinks we can do some updating to fix these issues and use this house as rental income. I don’t feel the same way. I’m also frustrated because currently I’m a homemaker and am dealing with bugs and crap constantly in this house while he’s at work.
What advice would you give if you knew someone in our circumstances? This house also brings up a lot of sad emotions for me. I quit my job to care for my mom and watched her deteriorate here. Also, my dad passed away here. So I dont even feel comfortable sleeping in the master bedroom. This just doesn’t feel like our home, even though I grew up here. I feel stuck because we can’t afford to buy a home and don’t have a lot of money to make repairs this house desperately needs. Any suggestions for my circumstances? Thanks.

Hi all! Could use some advice on an major issues with my house. My parents passed away and left my childhood home to me. My husband and I are currently living here and saving to buy our own home. We’ve been here about 6 years, and moved in to care for my mom in her last few years of life.
There are many issues we had no knowledge of, and I’m sick of this house. Right after inheriting it, we had a major issue with roots destroying our septic tank. Was disgusted because it cost us $30,000 to fix. This literally happened a month after I formally inherited it. Also had to replace a hood portion of the fence which cost about $3,000.
For the past few years, we’ve had a major issue with bugs getting in. I’m assuming it’s due to a huge horizontal crack that spans the perimeter of the foundation. We’ve had huge spiders, ants, flies and bees (yes bees) entire the house from various cracks and through the vents/HVAC system. Also had termites which we had to pay pest control to address that issue.
My parents have a lot of clutter that were slowly trying to get through and throw out or donate. We also had dry rot that spans the entire perimeter of the house. Based on all this, I want to walk away from this house. My husband wants to stay here a bit longer to give us more time to save and move into our own home. He also thinks we can do some updating to fix these issues and use this house as rental income. I don’t feel the same way. I’m also frustrated because currently I’m a homemaker and am dealing with bugs and crap constantly in this house while he’s at work.
What advice would you give if you knew someone in our circumstances? This house also brings up a lot of sad emotions for me. I quit my job to care for my mom and watched her deteriorate here. Also, my dad passed away here. So I dont even feel comfortable sleeping in the master bedroom. This just doesn’t feel like our home, even though I grew up here. I feel stuck because we can’t afford to buy a home and don’t have a lot of money to make repairs this house desperately needs. Any suggestions for my circumstances? Thanks.

Hi all! Could use some advice on an major issues with my house. My parents passed away and left my childhood home to me. My husband and I are currently living here and saving to buy our own home. We’ve been here about 6 years, and moved in to care for my mom in her last few years of life.
There are many issues we had no knowledge of, and I’m sick of this house. Right after inheriting it, we had a major issue with roots destroying our septic tank. Was disgusted because it cost us $30,000 to fix. This literally happened a month after I formally inherited it. Also had to replace a hood portion of the fence which cost about $3,000.
For the past few years, we’ve had a major issue with bugs getting in. I’m assuming it’s due to a huge horizontal crack that spans the perimeter of the foundation. We’ve had huge spiders, ants, flies and bees (yes bees) entire the house from various cracks and through the vents/HVAC system. Also had termites which we had to pay pest control to address that issue.
My parents have a lot of clutter that were slowly trying to get through and throw out or donate. We also had dry rot that spans the entire perimeter of the house. Based on all this, I want to walk away from this house. My husband wants to stay here a bit longer to give us more time to save and move into our own home. He also thinks we can do some updating to fix these issues and use this house as rental income. I don’t feel the same way. I’m also frustrated because currently I’m a homemaker and am dealing with bugs and crap constantly in this house while he’s at work.
What advice would you give if you knew someone in our circumstances? This house also brings up a lot of sad emotions for me. I quit my job to care for my mom and watched her deteriorate here. Also, my dad passed away here. So I dont even feel comfortable sleeping in the master bedroom. This just doesn’t feel like our home, even though I grew up here. I feel stuck because we can’t afford to buy a home and don’t have a lot of money to make repairs this house desperately needs. Any suggestions for my circumstances? Thanks.

This is long and I'm sorry, it's more a rant and I feel I have my answer but I've received such support and insight from reading other's posts in this community. I'm curious of people's opinions on if I seem too hard or if you would reach a similar conclusion.
I (31 F) have been dating a wonderfully kind but naive man, 35. It is our second go at a relationship. I have been grappling with my own drinking problem, was sober for 11 months last year, am currently sober and am in AA/sobriety subreddits for my own stuff. Before I tried sobriety, our main past time was going out to bars and drinking heavily. He was bummed that our dynamic had changed but was pretty supportive despite not agreeing with me that I had a drinking problem. He started drinking heavier than usual during a stressful job. I was noticing red flags,
1) He got drunk before his beloved neice's 3rd birthday party, insisted on driving, (I'm ashamed I let him drive us in his state) and showed up over two hours late and then was so wreckless with her on a bounce house she got injured. She was in real pain, sobbing the rest of the party and it took hours for her to settle down. In response, he said, "she was crying for attention" and that, "she took it in stride" but she didn't, it ruined the party for her. I was frankly disgusted and have struggled to get over it, when looking through the lens of a potential father of my kids.
2) Less than a few weeks later, he called me saying he had been arrested for driving drunk. I had to drive 2 hours to pick him up at like 3AM and he was still pretty drunk when I got there. He said he hadn't had that much to drink but I've calculated based on the beers he said he drank (he often underreports) and his BAC would've likely been double the limit if he had taken the breathalyzer. He ultimately lost his license for a year.
Giving him the benefit of the doubt, I think he was in a state of shock but the next day he was going out to dinners and then left to go on a camping trip with hard partying friends that weekend (said he didn't drink). I had begged him to get a lawyer set up before going away because I know things can move fast. I tried to have compassion but I was again frustrated at what I perceived as immaturity given the gravity of the situation. His job involves daily driving to various locations.
He planned on taking time off anyway once his job finished, right around the time of his DUI. This turned into 9 months of unemployment. I was trying to be patient, because his line of work can be fickle and some jobs had fallen through but after the 7th or so month, I checked in like, what's the plan. He was very laid back about the whole thing and figured another job would come along. (one eventually did, but he'll likely still lose his health insurance for how long he was off).
He started drinking heavily again a month or two after his DUI and I communicated that although at first I though I could deal with it, it was starting to threaten my sobriety and made me anxious all the time. I found myself checking in, tallying when he'd drank and keeping an eye on his location, all new behaviors. He acknowledged he had a problem because it was effecting me but his behavior suggests that really see an issue with it. about two months later he was back at it drinking heavily again. I gave him an ultimatim.
I started to feel toxic, because sometimes I feel like I'd call him on my way home from work (I work late nights at a bar) and figure I could catch him drunk again. I have never been like this in a relationship before and had always trusted him.
I thought I could look past the DUI, and honestly think I could've, had it spurred some change. From all the posts i read, I think he would have to have some intrinsic motivation and based on our pattern, it will always come from me. He says he needs me and that he's willing to do anything I ask, but he doesn't see how the emotional weight of doing all the pulling in the relationship (especially given my work load and his almost no work this year) is exhausting and frankly, a huuge turn off.
What would you do in my shoes?

Good day everyone. Bit of a long shot, anyone know of any rentals through private owners in palmy or trusted property managers I can contact direct? Moving there mid July from Auckland as I’m moving offices for my job. Moving with my wife and 2 kids.
Been trying with a number of property managers but haven’t had much luck to be honest. 3 bedroom house is preferable but will consider something suitable that can get us set up down there.
Have asked a few people but I thought I’d try here as well. Coz, well, you never know 🙂

Hello everybody! I’m a new real estate investor looking for some guidance. I bought a SFH two years ago, but life circumstances are having me move 30 miles away for at least 2 years. I am renting in the new area with plans to buy in a few years. Back to my property now:
Purchase Price = $185,000 Down Payment = 20% or $37,000 (with closing costs I believe it was $45k at closing) Loan = 30 year fixed at 3.375% Payment = current payment is $810 total (includes loan, taxes, insurance), could change when I rent house out and change insurances (I think?)
Rent = $1,300-$1,600, let’s say $1,500 Planning on using a property manager Tenant does lawn care and pays all utilities etc
Does this deal make sense? I know I’ll cash flow a decent amount but not sure how to calculate profit with loan paydown, vacancy, maintenance (both water heater and HVAC have been replaced in last 2 years, roof is just okay), property maintenance, and any other expenses.
Could anyone help me out? Should I open an LLC for this? My plan is to have this home long term and maybe one additional rental besides my own residence. I was going to put $3k-$5k into an account let the profits build up for a couple years for reserves and a down payment fund for my next place. Thank you!

So, as a kid and teen, I could not wait until the day I got my own place and got to be an adult and lived my own life- had my apartment looking exactly how I wanted it, spent my time doing whatever I wanted, etc. My parents fought a lot and there was always a TV on, so I couldn't wait to have my own space and just have peace.
Being an adult wasn't as easy as I thought it would be, and I couldn't afford my own place while I was going to college even though I was working, too. I didn't move out of my parents house until I was 20. I spent a year bouncing around friends apartments and their parents houses, couch-surfing and trying to figure my life out. Then, due to faulty birth control, I found myself pregnant at 21, by a guy who had already dumped me. Awesome. Back to my parents house I went.
When my daughter was almost a year old, I ended up in a relationship with a coworker I had known and liked for a few years. He's a great guy. But we moved in together right away and struggled with our finances for years (him paying tons of child support for his kid while I hardly got any from my ex.)
It has been 15 years now. We are married, but didn't have kids together because we could barely afford the ones we brought into the relationship with us for a long time. It's been over a decade of messy blended family dynamics and exes decisions effecting our lives and driving us crazy, a house that doesn't fit us all. And for me? Chaos. So much chaos that I don't even know who I am outside of a wife and a mother.
For the past couple of years, I've looked at a messy kitchen and felt guilty for thinking "I would love it if I had my own kitchen." Or had to clean a bathroom and wished I didn't have to share that space, either.
Then last year, due to my husband's snoring issues, I moved into my own bedroom in the house. I painted it the way I wanted and bought all new bedding and put up shelves for my books. I was worried I would miss sleeping with him or regret losing out on being close to him... but it hasn't affected our relationship at all, and as for me? I ABSOLUTELY LOVE IT. I will never share a room with another person again. I didn't realize how badly I craved my own space until I was in here.
But now it's seeping into everything- there are nights I wish I could just curl up on the couch and watch a chick-flick without having someone else in the room with me, disruptive just by their very breath and popcorn munching. I want to read books without constant interruptions. I want to be able to sink into a bath directly after work without anyone asking me what we are doing for dinner. I want to be in control of my own time, like I've always dreamed of.
I'm very creative and introverted and I just wish I had my own space. I wish we were rich so we could buy two townhouses right next door, like Tim Burton and Helena Bonham Carter did for years. I'd love to get ready by myself in the morning and pop over to his place for a bite of toast and a kiss before heading off to work.
Now that the idea is lodged in my brain, it won't go away. I make half what my husband does, but I'm back in college currently.. I think I want the next phase of my life, after the kids launch, to be me earning enough money to have my own place and live near my sweet husband but not WITH him. I want to finally live the way 16 year old me always dreamed of. I want to have my space and my time, and the freedom to organize and decorate however I want without everyone else's stuff all over my house.
I will have to work hard and pitch this to my husband.. but he has been enjoying his own room, too, so maybe we can do this after all?
I mean, worst case scenario, we hate it and move back in together and we have a rental property. Right????
Tell me I'm not crazy please lol

Please vote. Your vote matters. Anyone posting to say that "all the candidates are the same" or "one vote doesn't make a difference" are bots paid off by Ontario Proud, who really don't want you to vote.
Your quality of life is dictated in large part by who gets elected in this race. The mayor can make changes that affect almost every area of your life.
This election will affect:
- Commute times. How long will it take for you to get to work? Do we add another lane, or tax cars commuting into the city? Do we continue to spend on the Gardiner every year, or build more transit?
- Cost of services you use
- Pollution and crime levels. Cars first or pedestrians first? Cut the police budget or expand it?
- Rent, cost of housing, and housing availability. Do the 15k AirBnB units get rented out as regular apartments again, or is short term rental regulation relaxed and another 10k apartments taken off the market? Do we build more density, or more urban sprawl? Are foreign buyers and speculators regulated out of the market, or are the regulations relaxed, driving up prices?
- The level of taxes you pay and where you pay them. Pro-housing price increase candidates plan to allow massive office building on Toronto's flood plain and to expand urban sprawl for residential housing, which will dramatically increase the city's flood risk and up your taxes as a result. Candidates pledging to 'protect home values' are also pledging to lower property taxes, which will make an increase in your income taxes later almost inevitable.
- Which services are cut over the next 5 years as we dig ourselves out of a massive budget hole
- Snow removal, green spaces, and park maintenance
- And more!
Vote! Vote to protect your quality of life. Vote to see the things you want in action. Or don't vote, and then lose your right to complain about any of the above over the next 4 years.

BACKGROUND
Long story short I spent 8 years on the West Coast holding increasingly important positions in the energy industry, but I hated it with every fiber of my being. I started taking nursing prerequisite courses in January of 2020. Family trauma happened. I moved home to Texas to be closer to my family, quit my job (was making ~$130k with bonus), and took the plunge and went to back to school for nursing at 31. I am half way done with an accelerated BSN program and I have a 4.0 GPA. I love it so much despite it being very difficult. I have externship currently and I have an ICU internship lined up for my final semester, which is basically a guaranteed new grad job.
I currently live with my mom and brother. We are remodeling our house so we are in an apartment for a bit. Very tight quarters but thankful to be with them. Boyfriend just successfully made a big career move and is now a superintendent for an important and well respected organization in town making $60k annually with a 8% bonus. Very proud of him and very excited for our future - we are talking about getting engaged in the next year. He is getting an apartment in the next couple months after living at home with his family due to some major family health issues he has been helping out with so you will see some of the apartment search start to happen in this diary!
Currently boyfriend and I split going out expenses pretty much down the line, but with this new job we had a discussion last week about how he will pay for the majority of our going out costs moving forward once he gets his first paycheck this month until I start working full time again in January!
Previous money diary from August 2022 here.
ASSETS (comparing last money diary to now):
​

	August 2022	June 2023	Difference
401k	$156,400	$158,600	$2,200
Roth IRA	$68,000	$68,500	(500)
Saving's account	$41,001.43	$26,572.63	($14,428.81)
Checking Account	$3,024.58	$915.41	($2,109)
HSA	$8,800	$7,100	($1,700)
Brokerage	$440	$444	$4
UGMA	$85,000	$84,000	($1,000)
Pension	forgot to include	$27,000	N/A

NET WORTH: $373k
**I don’t carry any credit card debt / no student loan debt / no equity in any kind of home. I was lucky enough to be in a position where I saved up over $40k cash to pay for living expenses when in school. My UGMA account will be used as part of a down payment for a house in the next couple years. My current BSN degree is being covered through family. Also, trying to figure out what to do with my pension - depending how finances go the next 8 months I am in school / if I have any emergencies (I have 2 senior pets) I could cash part of it out or completely roll it over into an IRA.
INCOME
Income Progression: I worked in the energy industry for 8 years; my starting salary was $35,000.
I worked in the Seattle area starting out at $35k in 2014. Moved to a new job in 2016 for $65k and then another new job in 2018 for $85k +12% bonus. Got up to $104k + 20% bonus before I quit. Also worked as a CNA on the weekends for about 6 months for $15 an hour during COVID to make sure I really wanted to go to nursing school.
Main Job Monthly Take Home: It varies but the average so far this year it is $535. I have an incredibly flexible externship at a hospital very close to where I live where my director literally just lets me show up whenever I want to work. I make $17 an hour. I met a couple incredible mentors but I think I am going to quit soon since it just won’t be feasible to work this semester and I already have my ICU internship lined up for September. Trying to be easier on myself and put myself first and I feel very lucky that I don’t need to work. Don’t get me wrong the extra money is SO NICE but I want to concentrate on school, myself, family, partner, and friends. Work on top of an accelerated nursing program is too much. I am actually the only one working in my cohort currently.
Any Other Monthly Income Here: I live with my mom right now and she pays for most of the groceries, utilities, etc. I feel incredibly privileged and lucky that I can live with her and that she is able to support me in this way while I transition careers. I do lots for her to support her such as chores, errands, paying for big Costco runs, etc. My boyfriend also helps out with pet expenses and other things I want / need.
MONTHLY EXPENSES

• Rent: $400 to my mom for a very discounted rate at our current apartment. I don’t pay rent when we are at the house. I will not be paying rent when I semi-move in with my boyfriend in the next couple months. Our goal is to get our own luxury apartment next year close to both of our places of employment after a year lease at a cheaper place. Between now and then I’ll split my time with him and my mom.
• Cellphone: $15 (on family plan & I just pay for additional data)
• Spotify: $5.40 (student plan)
• iCloud: $2.99
• Prime: $8.11
• Gym membership: $20
• Regular therapy: $5 a session and I go biweekly
• Health insurance: $122.54 monthly
• Costco: $60 annually

I allocate the following to my biggest expense categories monthly:

• Gas: $120
• Groceries: $300
• Eating out: $400
• Pet expenses: $200
• Other discretionary spending: $400

WEDNESDAY - DAY 1
8:45: I slept 10 hours last night and it was glorious. I worked a 12 hour shift at the hospital yesterday and our patient acuity was very high.
9:30: Make a coffee and walk and feed my pup. I walk over to the pool for a morning swim. I love a quiet morning swim so much.
11:30: I had a nice 500 yd swim, drank a Premier Protein shake & ate overnight oats with blueberries for breakfast, had a relaxing shower, and started some laundry. Feeling anxious about everything I have on my plate currently. Also I feel hungover from work yesterday. I was going to work another 12 hour shift tomorrow but now I don’t know if I can handle it with school also starting on Friday and a very busy social weekend coming up. Luckily, my director literally lets me show up whenever I want so I may do 7 or 8 hours tomorrow instead of a full 12. Try to table my feelings to discuss in therapy this afternoon.
11:40: Sit down to finish some online orientation for my internship that is coming up my final semester.
13:03: Orientation stuff only took about 20 minutes thank god. I ran to the grocery store and grab a 4 pack of watermelon Celsius, frozen veggies, Eggo waffles, tea bags, string cheese, coffee filters, Wheat Thins, and lean ground beef ($37.01). Head up to the rooftop lounge at the apartment complex to FaceTime a friend that lives across the country since there is zero privacy in the apartment.
14:15: Get off FaceTime, work on some more laundry, and head out to therapy.
16:15: Good, productive, fun, and validating therapy session and I make it over to my friend’s condo to check on her kitties. I had set up a reoccurring biweekly therapy appointment now that I know my school schedule for the upcoming semester too. We talked about money fixation and anxiety and trying to let that go. We agree that I should sleep in a bit tomorrow, walk my dog, go for a swim, and then go to work. I don’t ~need~ the money so working 12 hours vs 7 or 8 is not an issue. My mental health is more important. Also the work hangover from yesterday is real.
17:00: Boyfriend comes over after work and jumps in the shower while I’m a couch potato (Disclaimer: he’s friends with my friend too and she’s 100% comfortable with him hanging out too.) We relax and hang with the kitties and catch up on our days.
18:45: We head to dinner. We grab burritos at one of our favorite local spots and I pay ($25.88). We look at houses for fun on Zillow and discuss what apartments we want to tour in the next couple weeks.
20:00: I make it home and have a long talk with my mom about her friend who ended up in the hospital today with a compound fracture. Long story short I’ll need to stay up until midnight to hand off the house keys, garage door opener, etc. to a friend who is driving into town that can take care of her dog. Her dog is a pit bull that is vicious to strangers so no one else can go over to the house other than this friend who pet sits and knows the dog.
23:30: The friend makes it and we hand him the keys and everything he needs. I had spent the evening tidying up and meal prepping and looking at more apartments. It’s amazing to me how much time goes into keeping a clean and tidy home.
12:08: I spent a half hour setting up my June budget and then pass out.
TOTAL: $62.89
THURSDAY - DAY 2
9:05: I finally wake up to a bunch of texts from multiple different friends / friend groups. Ugh. I’m just feeling really anxious about school starting tomorrow, my mom being very distraught over her colleague / friend, working today, and a busy weekend coming up. I make some coffee and walk my pup.
9:33: I call my mom while feeding my pup breakfast and tell her how I’m feeling and we both agreed I ran around too much last semester and I told her I am setting firm boundaries with myself to basically not do anything social during the school week once clinical start (Monday - Thursday) unless it’s like a super casual dinner and I truly have the capacity for it. I burned myself out at the end of last semester and spent weeks putting the pieces back together.
9:55: I make another cup of coffee and take myself for a morning swim. It brings me so much joy and grounds me. I swim 500 yards and then jump into the shower, throw my scrubs on, kiss my pup goodbye and head to the hospital. I drink a chocolate Primer Protein shake and call my friend L on the way to hear how her trip has been going so far. It was nice to catch up even though we saw each other over the weekend lol.
10:54: Ate my overnight oats made with half and half and some blueberries, clocked in, and headed out to the floor. Immediately get asked to be a sitter which literally never happens. Thank you universe. Feeling a little less anxious now that I’m here and feeling thankful for the little bit of extra money I’m making and being here for my community.
14:04: Maybe not thank you universe - the patient slept for a while then got extremely combative and was trying to punch me. I switch off with a coworker and head to the break room to eat a bowl I made with frozen veggies + rotisserie chicken from Costco + cheddar cheese on top.
19:09: I finally clock out. I had a snack of 2 rice cakes and some almonds at one point. Rest of work was wild (i.e. a psychotic patient that pulled out his IV and was throwing things everywhere, someone screaming in pain for hours nonstop, etc.) and had me questioning what I am doing making this career change. I am tired.
19:49: I make it home after swinging by L’s to check on her kitties. Jump in the shower. My mom has dinner ready and I scarf down this gorgeous basil, mozzarella, peppers, tomatoes, avocados, and olive salad + a couple Trader Joe’s dolmas + a couple pieces of fresh bread. Delicious. I force myself to get my food and my school bag ready for tomorrow and lay my scrubs out before I crawl into bed a little after 9.
TOTAL: $0
FRIDAY - DAY 3
06:22: Alarm goes off and I roll out of bed and take my pup for a nice walk. Give him breakfast / shower / throw on my scrubs / pack my lunch / give the pup a big kiss goodbye and I am out the door a little after 7:00.
07:47: I get to school and I am NOT feeling it lol. I stopped at Costco for gas on my way ($20.67) and I also swung by a very Texas niche store that sells all kinds of beef jerky my brother really likes to grab some for his birthday coming up ($17.98).
10:00: Class is boring - it’s tough getting back into it with an 8 hour cardiac lecture. It’s good to see my friends but struggle is real. I run into my favorite professor and she makes my morning. I tell her all about my upcoming internship and my boyfriend’s new job and she was stoked and told me to “lock him down” hahaha. I also make 2 phone calls to apartment complexes we are interested in cause my boyfriend doesn’t get great reception at work during business hours. One place doesn’t have any current availability but the lady was so nice and will be sending me a virtual tour later today. Schedule another tour on Monday afternoon.
11:30: We break for lunch and I eat the same thing as yesterday - rotisserie chicken + frozen veggies + cheddar cheese.
12:30: Spend the afternoon in class completely unable to concentrate. The professor is throwing ECG rhythms around left and right. 8 hours of ECG lecture is NOT a productive way to learn the material. I work on a couple study guides during class cause I cannot.
3:30: We get out a little early and I rush to meet my mom for a walk through of the house. I follow her back to her office because I sent a big Chewy order there. Pick up the box along with a Diet Coke, order us Cava for dinner, pick up Cava, check on my friends cats on my way home real quick, and then have a shower and relax. Mom pays for Cava and I thank her multiple times.
7:00: We eat dinner all together when everyone is eventually home (harissa avocado bowl for me!) and then my boyfriend calls right when I head out to walk my dog. Perfect. I miss him and have been having anxiety around our new schedules. We have a good 30 minute chat about our days before I spend the evening basically doing nothing. I chat with my family and mess around on my phone. Text boyfriend about different apartments.
22:44: Bed time after I brush and floss my teeth. I’m zonked from the week.
TOTAL: $38.65
SATURDAY - DAY 4
08:30: I’m awake! Did not sleep well at all cause thunderstorms. My pup is deathly afraid and will not stop shaking for hours so I end up sleeping on the couch on and off. We were up and down all night but somehow I feel okay. We go for a quick walk, feed him, and start a load of whites in the washer.
09:08: I have a shower, and then I head out to get my family coffee from one of our favorite spots.
10:45: Make it back home with 2 cold brews for my brother and I and a latte for mom. I also picked up 5 breakfast tacos and a German chocolate cake for Sunday dinner tomorrow ($56.24). I eat a bean and cheese taco and a potato and egg taco, start some laundry, and put air in my tires with my home compressor since my low air light has been on in my car for an embarrassing amount of time. Brother needs air in his tires too so turns into a production lol.
12:18: Spent a couple hours putzing around dealing with the tires and more laundry and packing a bag for tonight. We are headed to the lake for a friend’s bday party and I have no clue what I want to wear so I pack a lot of options and clothes for church tomorrow morning too. Now it’s time to drive around for a little bit and check out some potential apartments and do a small Target run.
14:02: I make it home from apartment cruising and my Target run. I bought a 3 subject notebook, tire pressure gauge with valve caps included, two bags of frozen veggies, mini coke zeros, and a bag of Lesser Evil popcorn ($21.50). I was so tempted to stop for lunch on my way home but lines were long everywhere so I made myself some cheesy eggs + 2 Eggo waffles when I got home. Put the valve cap on my tire that is missing one.
14:36: Make it to L’s condo and clean up after the cats and start the Roomba. Boyfriend texts that he is out of work and on his way over! He’s been up since 4 am this morning for work and I am feeling some type of way with everything on my plate / anxiety so we will see how long we make it tonight lol.
15:30: S is showered and we are out the door!
16:30: We make it to the rental, change into our bathing suits, and walk down to the river.
19:00: We hang out in the river for a good 2.5 hours. It was a good time - nice to chat with my school friends and their partners. Boyfriend and I head out before the real partying starts lol.
20:00: We eat dinner at this cute Tex Mex place. Boyfriend has some kind of alcoholic mixed drink and we share a fajita for 2 plate. Boyfriend pays - it was $70.56 with tip. I drive us back because he does not like to drive even after one drink which I am 100% here for. We are so tired lol.
21:15: Make it back to L’s condo and we take a hot shower and get into bed in the guest bedroom. It takes forever for us to both fall asleep.
TOTAL: $77.74
SUNDAY - DAY 5
6:50: Oh boy neither of us slept well. There was another thunderstorm. One of the cats was yowling nonstop outside our door. The ceiling fan was clanking on and off. The bed was way too soft. Up and down again all night for a second night in a row for me lol.
8:11: I’m showered and we are both dressed and we head out to one of our favorite taquerias for breakfast. I get 2 bean and cheese tacos and one machacado + egg taco. Boyfriend also gets 3 tacos and we both get coffee. We sit and chat for a while until it was time to go to church. I pay on the way out ($22.98 with tip).
11:40: After an hour of church and an hour meeting for a committee I’m on - I’m wiped out. Still have a house walk through to do with my family and boyfriend so I head over there and we are there for about an hour.
13:10: Finally made it home, walked my pup, and made myself a late lunch of Dave’s Killer bread toast + peanut butter + banana.
13:54: A girlfriend calls and asks if I want to get a pedicure this afternoon. We decide to get dinner together on Thursday instead. I’m actually very touched she called me because we are friends through another friend and normally don’t get together just the two of us. I’m really happy she reached out. I also invite one of my friends from school - I have been wanting them to meet for a while.
14:30: Nap timeeeee! I knock out for an hour then realize how thirsty I am and how badly I need to get out of the apartment. I get up, take the pup for a spin with my brother, and head to Sonic to get a large diet cherry limeade and then head to L’s condo to check on the kitties and chill ($3.34).
18:00: I spent a couple hours chilling on the internet - working on my google calendar, school organization, church emails, reviewing some apartments we may drive by tomorrow, and I download the remaining episodes of season 1 of Nurse Jackie to watch tonight. I had bought the complete first season over a month ago and still haven’t watched it all lol. That’s how little I watch tv.
20:00: We had bibimbap for dinner and German chocolate cake for dessert. Delicious. I clean up the dishes and do more laundry because that’s my life between school, work, working out, having 2 hairy pets, etc. Unpack my bags from the river day and sleepover last night too. Chat with my family.
22:00: Crawl into bed and watch some Nurse Jackie before passing out.
TOTAL: $26.32
MONDAY - DAY 6
7:33: I slept better but still tossed and turned. Still just anxious with everything going on, especially the start of another intense semester.
8:47: Pup is fed and walked. I open the windows because it is 68 degrees which is unheard of in June in south Texas.
10:06: I ended up doing a deep clean of my room hahah. Wiped down and vacuumed every surface. So much hair. My pup is shedding so bad. I change my bedding and toss my comforter in the wash. Thank goodness I have 2 sets of sheets now. I had only 1 for the longest time lol. I take a break and eat some Greek yogurt + pecans + banana + drizzle of honey.
11:03: I vacuumed the common areas in the apartment, took a long shower, and I’m dressed and ready for my boyfriend to pick me up. I felt like being cute today so I put on this new leather skirt from Alice + Olivia my boyfriend got me as a present that I haven’t worn yet + a white crop top + my cheetah old skool Vans. I’m so tired though lololol. This is one of the only Mondays we both have off for the foreseeable future so I am gonna rally and make the most of it!
11:15: Boyfriend is so tired too bahah. We go grab coffees at this cute little coffee shop I’ve been wanting to check out. I get a cortado. Boyfriend gets an iced caramel almond milk latte and I treat ($11.82 with tip). We sit and chill and map out what apartments we want to check out today.
12:30: Walk across the street to grab Tex Mex for lunch at a pretty famous place in town. I get the enchilada plate and boyfriend gets a chicken quesadilla plate. He pays and it is $27.89 with tip.
1:30: Go for our first apartment tour of the day and it is depressing. We drive around and check out the other apartments we are I interested in and then go on one more tour at a place that we are really impressed by. It’s $1.3k or so for a 500 sq ft one bedroom and that’s a stretch. Ideally he wants the base rent to be $1,000 or less which is quite doable. Yet again - south Texas prices for the win. He is looking at older buildings, but they are well kept up and in good neighborhoods. They are not in the hottest places to be in town, but definitely still nice.
16:00: We go back to L’s condo and chill and take care of the kitties. Discuss the apartments and ask my brother if he wants to get dinner with us and he agrees.
18:00: We head back to my apartment, pick up my brother, and head to dinner. We order a large caesar salad, an arugula and sausage pizza, and a mushroom and pepperoni pizza. This spot does $10 two topping pizzas on Monday and it slaps. I treat my boyfriend and brother to dinner ($48.01 with tip).
20:00: Home and boyfriend walks my pup with me. Brother makes us both tea and we have a nice cup of tea and chat until boyfriend heads home. I put together my breakfast and lunch tomorrow and then lay down to chill and have some quiet time.
22:30: Bed time! First day of critical care didactic is tomorrow and I am feeling mostly excited.
TOTAL: $59.82
TUESDAY - DAY 7
6:22: My alarm goes off and wakes me from a deep sleep. I finally slept a good 8 hours though!
7:10: I am showered and throw on some black Lululemon Align leggings and a swiftly tech tee. I was gonna wear real pants but screw that haha. I am really dragging this morning.
7:50: Make it to school and lecture starts at 8. Honestly - that lecture could have been given in 45 minutes but we spent the first 2 hours simply going over the schedule and clarifying assignments since everything is such a disorganized hot mess at the beginning of the semester.
10:05: We take a break and call a fellow church congregation member to see if we want to meet today to tour an organization that supports people immigrating. We are debating if we want to allocate church donation funds to them. We agree to meet at the location at 1:30.
12:41: We are done with class and I stayed a bit after to start making my study guide for our first test even though it isn’t for 5 weeks. I realize the time and quickly pack up and go heat up my lunch. Chat with an MSN student who I had met in orientation for my internship a couple weeks ago and he expressed his frustration about how the start of this semester is rough for him too.
2:38: We finish our tour and we are very impressed at the clean and organized operation. We agree to each write our own follow up email to the rest of the group before the end of the day supplying the church donating.
3:30: I make some jasmine tea and have some quiet time when I get home before starting on some dosage calculation problems that are due on Friday.
5:45: I end up spending almost 2.5 hours on homework - dosage calculations, an article summary, and start on a medication sheet. Ouch. I lay down for 20 minutes, take my pup out, and then head out to meet my friend for dinner at Cava.
6:30: I get the lemon chicken bowl and pita chips ($13.69) and we sit and chat for a 1.5 hours. We just saw each other a couple weeks ago, but so much to catch up on.
20:00: We agree to go on a double date in the next couple weeks and I head home. I walk my pup with my mom and brother, pack my gym bag and my food for tomorrow, write my follow up emails from today’s visit to the church committee, and relax in bed.
TOTAL: $13.69
TALLY OF DAILY EXPENSES:

• Food + Drink: $240.36
• Fun / Entertainment: $0
• Home + Health: $0
• Clothes + Beauty: $0
• Transport: $30.67
• Other: $17.98

TOTAL EXPENSES: $279.11
REFLECTION
I spent quite a bit on going out to eat this week with my boyfriend, family, and friends. It was the end of my school break and boyfriend is transitioning to a new job so we were a bit out of whack with spending on food. Usually we eat at home with our families more, but it was nice to go out and enjoy ourselves too. It was a super busy week for me too - which is the norm lately. I have a great community and social life here compared to the West Coast and I do not take that for granted. Trying to make myself more of a priority so I don’t burn out again, which is difficult for me.

Context: I’m almost 60. Just something to think about.
I’ve seen two Retail FOMO’s after the close today.
Granted, I don’t come here often. Almost never actually. Both posts seemed remarkably naive and tender. Like don’t invest in anything exotic without an education. I think maybe “retail FOMO” might better be described as “WSB FOMO”.
Someone told them they could show up here and “print money”.
The CNNMoney Fear Greed Index (CNNFGI) hit 75 today.
I’ve really just stopped by to look at the sentiment these past few days and have been astounded that people are rolling up wanting to start with options and having done zero homework. ChatGPT isn’t going to educate them.
Personally, I found losing money to be my best teacher and I’ve lost a lot. It doesn’t have to be that way.
How often do tenderfoots just show up and think someone can help them operate a spacecraft in one day? Is this a real thing and how has it been trending? It seems totally whacked out to me.
I would love to look at newbies and their volume and value entering and exiting the market here. There will always be people entering and exiting, but living U.S. adults is a known finite number. What is the net flow for Retail relative to working Americans and relative to total market cap? Money supply is a known. That trend could print every so often.
Has social media replaced humans as the teachers of the younger persons? Or, have I forgotten what it was like to be young? I actually started in options back in college or it didn’t take long anyway for me to start trading options, but I was literally copying a friend’s homework. Only I would move my strike prices out a c-hair past his. That pissed him off over time. But then he moved too and I was priced-out. We were good for each other, and I learned a lot from him.
The first OP has already deleted their post. I’m thinking of Warren Buffet’s fear-greed axiom chiseled into a Japanese Tsunami Stone by our ancestors.
Now, we all live on the beach and pay a premium for the pleasure only to have the fabled wave come along when we think it never will and wash us all away a few times in our lifetimes, but not often enough to teach us anything.
Just when I think I’m out, greed ”pulls me back in!” and rinse and repeat. I’ve lost shit pots of money in my life and also made a lot too. Six figure losses by 25 (~1991 or 92 on AAPL no less IIRCC). I was just a kid playing options on Prodigy (pre-AOL). Pershing. I still remember my account number because I traded so many times a day, back in the day. My ears rang for almost a week the first time I lost $100K.
I can’t remember my kid’s birthdays reliably, but I can type my trading account mix of numbers and letters in a tenth of a second.
Now I’m getting old and am having to look at a compressed horizon and reevaluate risk across my remaining years. It’s a weird place to find myself.
Kids all got nice college funds. Their accounts actually out performed mine because I was a little more cautious. Pissed me off. Not really. Maybe a little. They bought their first rental home together at 15 & 18. Used it all the way through college and made $167K off of their first real estate play. That’s another story.
Everyone becomes a bear … … someday. Mark my words. I’m pushing 60. I lived through an entire lost decade in the 70’s and early 80’s. That shit hurts on the one hand, but I made money playing options by my mid 20’s even during the S&L Crisis. You can always make money.
This isn’t the “stonks only go up” crowd that were crowing the last time I visited. I think these are neophytes rolling up with a wad of cash to fuel the last melt up.
And it looks like the WSB tenor now has the voice-of-experience reminding others about unforeseen dildos and the predictable lack of lubricant. It’s a different WSB. Just saying.
Speaking of sayings, the saying that stocks take the stairs up and the elevator down isn’t really true for the “biggies”.
For a Biggie, there is always the Space Shuttle Columbia that appears at the last moment and returns with this final entry into the mission commanders log: “Fate: disintegrated during re-entry”.
A lot of people will lose their money trying to time the event. That’s the circle of life. If I make bank in derivatives, someone else lost and vice versa. Not always true in stocks and bonds.
Fear and Greed fornicate every trade in the options markets. There will be greedy put sellers in the last days. Winners and losers. Nothing like it except war. It’s binary. Steel on steel.
Anyway, naive retail FOMO’s rolling up gives my guh bear SPYdr Senses a woody.
You don’t get many opportunities to short the shit out the market in an entire lifetime.
Every trader dreams of The Big One! Might be an opportunity before EoY. Maybe.
OP is probably the nicest person in the world showing up 10 minutes before a lopsided game ends after paying full price for the ticket. He didn’t notice he was actually walking past all the smart people leaving before the rush.
Maybe?
If I were licensed to give advice, I might recommend 5% bonds and wake up every day and watch Bloomberg and CNBC, watch ALL news channels, even (or especially) the ones that you don’t agree with and always watch the after market analysis.
Read Buffet’s work. Relax and dip the toe in in small chunks so the education they will acquire losing money hand over fist won’t be quite as expensive. Read Bobbleheads and separate retirement from investments from speculation and be diligent about not needing the speculative money. Consider it dead when you put it in and divorce yourself from emotions, but be competitive about winning so you do the work. The cardinal rule is you can’t play without money. Pure speculation is pure gambling in a lopsided house. Schmucks will ”borrow” from retirement and investment accounts. That’s a bad idea.
If he took the advice, maybe by the time they jumped in the market might be oversold.
I think the mods should graph retail FOMO for us on a weekly basis.
Maybe not. WSB would probably alter market sentiment. It’s all a self-fulfilling prophecy then and it would be divorced from reality. Inversing the inverse seems to be a super power around here. When WSB gets frothy, unnatural acts are preformed on the secondary market.
I have devised a WSB Idiot Trap using the 1st flair option. “WSB FOMO: How to trade options with No experience!”.
Bot thrashes them, points them to some resources, then auto deletes their messages.
The bot then gives us the sucker count and trends inside of subject line that literally says, “WSB subreddit traffic statistics”
Setup a couple of flair traps and see if the data means anything.
I like the perceived (mine) of this sub. I would love to see a data cube on WSB sentiment that could be trapped by a bot.
Every post requires [Nu, Be, Bu] for neutral, bullish, or bearish. That bot data could be powerful if it trended.