Life Pro Tips

By Zack - May 22, 2020

“I’m happy in my role, and while I’m open to new opportunities, wouldn’t be interested in moving for less than $X.”

- - If repairs cost more than 30% of the actual value of the car it's time to get a new car.
- You can loan 3x your income for a house.
- Buy a car 1/3 your salary. Every $10k is about $200/mo. Don't finance more than 4 years. BUY IN DECEMBER.
- Make sure you get diminished value and loss of use added to the repair cost so they are even more likely to total it.
- You should buy comprehensive and collision coverage under the following circumstances: If your car is less than 10 years old, if your car is more than 10 years old and worth $3,000 or more, if you can’t afford to repair or replace your car if it’s severely damaged or stolen.

"If you wouldn't repair it for a major mechanical issue, you probably shouldn't insure it for comprehensive and collision,"

Drop comprehensive and collision when you would buy another car rather than fix the one you have.

When premiums for these two coverages reach 10 percent or more of the potential payoff should you file a claim. The potential payoff is your car’s actual cash value minus your deductible. For instance, if your car is worth $4,000 and your deductible is $500, your potential payoff is $3,500. If your annual comp and collision premiums surpass $350, it’s time to drop them.

If your yearly comprehensive and collision premiums plus your deductible add up to more than the value of your car. For example, the III pegs the average annual rate for both coverages at $660, and with a $500 deductible, that totals $1,160. If you’re driving a very old car that’s in fair condition, with lots of mileage, the value could be below $660. (Sites such as Kelley Blue Book and the NADA have tools you can use to find the value of your used car.)
You wouldn’t pay to fix your car if it had mechanical issues.

- Google this: sqrt(cos(x))*cos(300x)+sqrt(abs(x))-0.7)*(4-x*x)^0.01, sqrt(6-x^2), -sqrt(6-x^2)

Three engineering students were gathered together discussing who must have designed the human body.
One said, "It was a mechanical engineer. Just look at all the joints."
Another said, "No, it was an electrical engineer. The nervous system has many thousands of electrical connections."
The last one said, "No, actually it had to have been a civil engineer. Who else would run a toxic waste pipeline through a recreational area?"

There are 10 types of people in the world. Those who understand binary and those who don't.

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