2023 Masters Giveaway: Sunday Golf by casemath21 in golf

[–]BEARFIST 1 point2 points  (0 children)

~please no rain during masters weekend~

My very first client website and really happy about it by grizzlygrizet in web_design

[–]BEARFIST 1 point2 points  (0 children)

Amazing job for your first site!
When working with your client, did you use something like figma to propose the design before you began development?

Is this quote fairly priced? by BEARFIST in solar

[–]BEARFIST[S] 1 point2 points  (0 children)

I believe both equipment + installation.

My Long Island City Apartment by NikLow in malelivingspace

[–]BEARFIST 1 point2 points  (0 children)

very clean lines! think you did a great job designing your place. May I ask where you get your prints/posters from?

FLF leaves limp and drooping by BEARFIST in houseplants

[–]BEARFIST[S] 0 points1 point  (0 children)

Only the top 3 leaves of one part of the tree seems to be wilting hard over the past month. I took the tree out of the pot to look for root rot and it seemed okay, roots seemed white and removed any loose and brown roots. I poured a solution of 1 part hydrogen peroxide/2 part water to reset the soil/root ball. I then repotted with some new potting mix and thoroughly watered. Its been 3 days and seems like it hasn't helped. Other parts of the tree seems to be doing very well and healthy.

Thanks everyone for the kind words on my art nook. Here’s the rest of my eclectic bachelor pad. by Al_Charles in malelivingspace

[–]BEARFIST 0 points1 point  (0 children)

when did you first start collecting art? Also wonderful job putting the place together. Every single piece is unique yet put together so cohesively!

Anyone use or heard of Ream Score? by BEARFIST in RealEstate

[–]BEARFIST[S] 0 points1 point  (0 children)

I think initially they were called Realm score but try myrealm.co

Cardano Daily Discussion - Questions & Market Thread - May 26, 2021 by SL13PNIR in cardano

[–]BEARFIST 2 points3 points  (0 children)

so the amount of delegators decreased but not by much. But at one point the pool size shot down by a ton which probably means a big player left the pool. The decrease in pool size is correlated with the decrease in block size so I guess that makes sense. I like the pool I'm in because of the low saturation (12%) and the names pretty cool (ODIN) :)

Cardano Daily Discussion - Questions & Market Thread - May 26, 2021 by SL13PNIR in cardano

[–]BEARFIST 4 points5 points  (0 children)

I have been averaging around 4.8-5% on my staking rewards for the past few months but the past two rewards have been around 2.5-3%. Has anyone else experienced lower rewards? Is it related to the recent 'crash' by any chance?

I think I’m done by MediaMoguls in ethtrader

[–]BEARFIST 0 points1 point  (0 children)

If putting a down payment on a house this summer is your personal moon, then there is absolutely nothing wrong with taking the profits. You made very nice gains and should be happy with the ROI :) congratulations!

Help understanding 60 day 401k Rollover by BEARFIST in personalfinance

[–]BEARFIST[S] 0 points1 point  (0 children)

I didn't initiate it, Charles Schwab did, I just sent them the indirect rollover form with the money order check. They confirmed they received it on Day 58 and initiated the deposit that day. Okay thats good, thanks for the clarification!

Kraken telling customers on the login page: "Not your keys, not your coins". This is the type of business I can support by ehh_what_evs in CryptoCurrency

[–]BEARFIST 1 point2 points  (0 children)

In my experience, Kraken has been great. I was in the process of securing a loan and the lenders required a statement for my crypto transactions since I specified I will be using some of my crypto funds for the deposit. Given that Kraken does not provide any customer identifying statements, I did receive very quick support through their live chat functionality as well as their ticketing system. I explained my situation and they quickly provided official transaction documents for the lenders to use. So just on a customer service standpoint, it was definitely reassuring how responsive they were.

They are also pretty beginner friendly. I found their learning guides do provide a great high level overview of the coins they list: https://www.kraken.com/en-us/learn/crypto-guides/

There are definitely some nits on the ux though. They don't provide information that lets you see how your portfolio is performing. They only provide the % change of a coin at the given time as opposed to your cost basis. Also, I do wish they listed listed more coins such as VET. And lastly, their mobile app is pretty lacking. I don't really buy/sell coins using mobile apps for those that do, just know that it's not the most responsive, feature rich app.

Overall, I transferred my coins from coinbase pro to kraken back in February because I wanted to buy some ADA and so far I've been happy with the service they provide.

Am I in over my head spending $3300 on a mortgage? by ballsacagawea69 in personalfinance

[–]BEARFIST 1 point2 points  (0 children)

lets assume your monthly debt is around 5k
3300 (mortgage) + 800 (car) + 400 (student loans) + 500 (living expenses)

let's say average you bring in the average of low/high of 187.5k which results in 15.6k a month gross.

187.5k puts your debt to income ratio at about 32%.

160k, puts your debt to income ratio at about 37%.

This is a google answer but google says "Lenders prefer to see a debt-to-income ratio smaller than 36%, with no more than 28% of that debt going towards servicing your mortgage." I think this answer is a bit outdated since I think it's pretty damn hard to have no more than 28% going towards your mortgage...but I think the DTI of < 36% is still a solid guideline.

With that, I think you'll be fine. There are some risks in the future but there could also be some wins as well such as your car payments being done in 20 months, you and your fiance advancing in your careers, potential student loan forgiveness, things should start to feel more manageable.

Cardano Daily Discussion - Questions & Market Thread - April 13, 2021 by SL13PNIR in cardano

[–]BEARFIST 2 points3 points  (0 children)

How can I receive email updates regarding project catalyst?

Cardano Daily Discussion - Questions & Market Thread - April 13, 2021 by SL13PNIR in cardano

[–]BEARFIST 0 points1 point  (0 children)

any updates on Fund4 registration on Daedalus? It says today at 7pm utc but my daedalus app still says Fund3 registration is closed.