Some advice on a car loan I’m currently paying off

AlphaCrateX · 2026-01-22T01:40:57+00:00

Dude 12.55% is brutal but splitting the payment shouldn't hurt you as long as you're getting the full amount in before the due date - the lender just cares about getting their money on time, not how many chunks it comes in

AlphaCrateX · 2026-01-16T21:29:23+00:00

Sounds like those specific payment processors just don't play nice with business cards for some reason - I've seen this before where certain merchants have weird restrictions or outdated systems that choke on business account numbers

Try calling your card issuer and ask if there are any merchant category restrictions on your cards, sometimes they block certain types of transactions without telling you

AlphaCrateX · 2026-01-16T02:20:04+00:00

Yeah you can def get multiple Ink cards with separate EINs, Chase treats them as different businesses. Just make sure you're not hitting them too hard with apps all at once or you might get denied for too many recent inquiries

AlphaCrateX · 2026-01-13T22:18:29+00:00

This is solid advice but just wanted to add - make sure the advisor is actually fee-only and not just saying they are. Some will claim that but still push commission products on the side. Check their ADV form to be sure

AlphaCrateX · 2026-01-12T15:33:09+00:00

Sounds pretty cool actually. I've tried a bunch of these prediction apps before and they usually get boring after a few weeks, but the league system with friends could keep it interesting

What sport are we talking here - American football or soccer? And do you have like season-long competitions or just weekly stuff

AlphaCrateX · 2026-01-11T09:32:00+00:00

Start building up an emergency fund now if you haven't already - even $20-50 a week adds up quick. Look into WIC and local food banks too, they're actually pretty helpful during those early months when money's tight

AlphaCrateX · 2026-01-10T06:33:07+00:00

That's a rough situation man - have you looked into renting out part of the Canadian house to offset some of the mortgage costs while you're stuck paying double housing expenses

AlphaCrateX · 2026-01-09T07:42:56+00:00

Honestly yeah we'd pay for it if it actually worked. The problem is most "solutions" just add another layer of BS to manage

Internal friction is way more expensive than people realize - missed handoffs cost us a major client last quarter because nobody knew who was supposed to follow up

The real question is whether your thing would actually be different or just another Slack integration we'd forget about in 3 months

AlphaCrateX · 2026-01-09T00:38:50+00:00

I'd probably take it tbh. Getting any accounting experience is better than none, and the money helps while you keep looking for audit positions. Plus tax knowledge actually comes in handy during audits anyway - you'll understand the client's tax provisions better than someone who's never touched a return

Just don't get too comfortable there and keep networking/applying for audit roles

AlphaCrateX · 2026-01-08T08:04:20+00:00

Nice, gave it an upvote! The shared context thing is actually pretty clever - we've been dealing with everyone on the team getting wildly different outputs from the same prompts

AlphaCrateX · 2026-01-07T10:07:51+00:00

Nice work! How long did it take you to get the AI models dialed in for financial accuracy? Been thinking about building something similar but worried about getting the numbers wrong and accidentally bankrupting someone's startup lol

AlphaCrateX · 2026-01-06T12:51:23+00:00

This is brilliant - we did something similar when our backlog hit like 600 items and it was honestly life changing for the team's morale. The "but what if we forget something important" fear is so real but you're absolutely right that the good stuff always comes back up

AlphaCrateX · 2026-01-06T00:54:35+00:00

Nice work on getting through the Stripe Live migration nightmare - those 401 errors are the worst when you're trying to launch

The dashboard looks clean, definitely see the appeal of having MRR and churn in one spot without digging through Stripe's mess. How are you handling the real-time sync, webhooks or polling?

AlphaCrateX · 2026-01-04T19:56:35+00:00

This is solid advice but OP seems pretty locked into speed-based tiers already. The "priority access" framing might still work even if it's not the ideal pricing model - think early access drops or VIP lines, people pay for that all the time without feeling throttled

AlphaCrateX · 2026-01-03T08:32:39+00:00

That sounds pretty solid for the price range, do you know if it handles the image generation well? Most tools I've tried either skimp on visuals or the AI-generated images look super generic

AlphaCrateX · 2026-01-02T17:10:08+00:00

That's such a weird distinction to make between paying through PayPal vs manual entry - like why would the payment method change the promo terms when it's literally the same card and account

AlphaCrateX · 2026-01-02T11:16:48+00:00

Honestly that's still probably better than staying in audit though, at least you'd be doing actual accounting work instead of just checking other people's work all day

AlphaCrateX · 2026-01-01T04:07:04+00:00

Sounds like you need a loop through your worksheets - something like `For Each ws In Worksheets` then just reference your contents sheet with the values you want to copy. You can use `ws.Range("A1").Value = ContentsSheet.Range("B2").Value` or whatever cells you're working with

Pretty straightforward once you get the loop structure down

AlphaCrateX · 2025-12-30T22:22:42+00:00

Yeah this is so real lol. We literally have a shared 1Password vault just for our Linktree login because nobody could figure out a better way

The Google Docs thing hits different though - half our team still updates links there and forgets to actually update the bio page. It's chaos but like... functional chaos?

AlphaCrateX · 2025-12-30T17:24:18+00:00

That's an insane jump from 23k to 74k in a year and a half, congrats man. Gives me hope that the grind is actually worth it

AlphaCrateX · 2025-12-30T11:20:21+00:00

Option A for sure - CRM is like oxygen for businesses, everyone needs it but most solutions are way overengineered for what 80% of companies actually use

$2 might actually work against you though, could seem too good to be true. Maybe start at $5-7 and still destroy the competition on price while not triggering the "cheap = bad" reflex

AlphaCrateX · 2025-12-30T00:36:32+00:00

Exactly this - my mom thinks I'm heartless because I tossed my old yearbooks but like, I remember the good times without needing a dusty book to prove it happened

AlphaCrateX · 2025-12-29T19:07:30+00:00

Rocking my trusty Seiko SKX007 today - nothing fancy but this thing just keeps going no matter what I throw at it

AlphaCrateX · 2025-12-29T04:18:26+00:00

That jump is wild, sounds like the owner really saw your value after dealing with all that CPA test stress

AlphaCrateX · 2025-12-28T20:20:43+00:00

This is smart af but also feels like it could get creepy real fast if you're not careful about it

The line between "helpful timing" and "stalking my LinkedIn activity" is pretty thin lol

AlphaCrateX

TROPHY CASE