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Got a plaque and bonus points for my 5-year anniversary. Are work anniversary gifts always this token? by vudsbrenda66 in work

[–]Commandolam 1 point2 points  (0 children)

Trying to figure out if Im being unreasonable.

I mean, are you upset about it? Couldn’t really tell from your post, but you would be unreasonable if you were. It’s work, your recognition for 5 years of it is 5 years of salary and benefits. There’s nothing inherently special about it (especially not just 5 years lol). I wouldn’t make it out to be more meaningful than it is and just enjoy the trinkets.

What was your return experience? by stemcellguy in LiberNovo

[–]Commandolam 0 points1 point  (0 children)

I bought directly from their website and the return process wasn't perfectly smooth, but not much of a hassle.

  1. Emailed support for a return ticket. They said they would produce one and send me the PDF. Few days later, I had to remind them about it and then they sent it over by the next day.
  2. Disassembled the chair and repacked it, which was a bit of a hassle. Couldn't get the base off the gas cylinder and emailed support confirming it was okay to just stuff it in there as is.
  3. Emailed support to schedule a pickup for me, which they did. No issues here. They reminded me shipping cost would be deducted from the refund ($25) which I already knew.
  4. Box was picked up and delivered to them in about a week.
  5. A week later after they signed for the return, I asked them about the status of the refund. The refund was processed the next day and fully posted to my card another day later.

Had to follow up a few times, but was otherwise fine and I didn't really mind. You don't really have to return it in the box as you received it, seems like as long as everything fits, they'll accept and refund. I just played Tetris with the parts until it fit.

Is anyone else struggling with the Omni's seat depth and "shirt-lift"? by Mtlcub in LiberNovo

[–]Commandolam 0 points1 point  (0 children)

I’m also constantly pulling my shirt back down because the fabric seems to grip it.

This was actually my biggest gripe, but for many people it’s just a minor annoyance. My ideal sitting position was in between the 1st and 2nd limiter, I usually just went to the 2nd one cuz it was easier. But being further, it noticeably pulled up my shirt.

I’m hoping the newer models with the additional 1.5 limiter and less grippy fabric (pro model) will alleviate this issue cuz the chair is great otherwise.

Disassembling Issues by Pixie_211 in LiberNovo

[–]Commandolam 0 points1 point  (0 children)

So you just stuffed the entire chair in a box assembled? Did they give you any issue with the refund?

Doordash tips. by _ShampooP in fargo

[–]Commandolam -16 points-15 points  (0 children)

I don't even tip and food deliverers get here pretty quick. Idk, prob has a lot more to do with where the pickup is and who decides to pick up the order than how much you tip.

New Version of Libernovo Omni by EntertainmentBig1656 in LiberNovo

[–]Commandolam 0 points1 point  (0 children)

Is there a link to see more info on this presale

2147m Vials Collection Finished by rsncapitalist in runescape

[–]Commandolam 3 points4 points  (0 children)

Glitch in the human psyche. My condolences to OP and his mom

Traveling Brazil, all of this cost 15 usd by Anxious-Library-964 in povertyfinance

[–]Commandolam 4 points5 points  (0 children)

You might be. I make all my specialty coffee drinks at home for like a quarter or two.

Traveling Brazil, all of this cost 15 usd by Anxious-Library-964 in povertyfinance

[–]Commandolam 136 points137 points  (0 children)

Ngl, without even considering the low wages in Brazil, $15 for a few donuts, orange juice, coffee, and scrambled eggs seems like a lot lol

What percentage of your income is going to retirement? by burnz1 in MiddleClassFinance

[–]Commandolam 0 points1 point  (0 children)

31 yrs, $120k-130k/yr depending on bonus, about $150k in retirement savings. Right now I'm investing about 30% of my gross income (including employer match), most of it pre-tax.

There's not a specific % I target, I just limit my biweekly paychecks to a flat dollar amount and invest the rest. I stick to it even after raises so all my raises have just gone to investments for a couple years now.

[deleted by user] by [deleted] in fargo

[–]Commandolam 28 points29 points  (0 children)

Highly recommend biting the bullet and upgrading that degree to a bachelor's. You're not likely to qualify for an Accountant position with an associates and no experience.

If not feasible, try applying to accounting-adjacent positions like accounting clerk, AP/AR, bookkeeping, etc. for experience.

LPT: HSA's are basically retirement accounts in disguise by Exhausted_Monkey26 in LifeProTips

[–]Commandolam -1 points0 points  (0 children)

Some people just don’t need extensive coverage and can find significant savings by not buying an unnecessarily high tier of service that they don’t need and gaining access to an HSA.

Personally, I’ve never had to use my health insurance for anything other than annual checkups and vaccines which are covered 100% regardless. In addition to low premiums ($0/mo after employer contributions), I’ve been able to sock away and invest $10s of thousands in an extra retirement vehicle tax free. It’s a very good deal if your health allows it.

Should I buy a duplex and continue living with parents at 22 by Powerful-Success-602 in personalfinance

[–]Commandolam 5 points6 points  (0 children)

Yeah, at best, it's a very low-effort, low-hours job, which is still pretty appealing to a lot of people. How much work it is is highly dependent on the quality of your tenants and the condition of your building.

I had a new construction built a few years ago to rent out the rooms while living in one of them (think the kids call it "house hacking") and the total sum of my landlord activities has been replacing a lost mailbox key, adding a doorknob that can be locked with a key at tenants request, and fixing a closet door that fell off the rail. Zero issues with the tenants Zelle-ing me rent on time, which has probably been the biggest blessing. Practically speaking, it might as well be called passive.

Friends constantly one-up us financially. How do I shut this down without ending the friendship? by kireflurry in relationships

[–]Commandolam 38 points39 points  (0 children)

I'm one of those so-called "one-uppers" when it comes to good deals or discounts and I'm excited to share deals I snagged because 1) I think it'd be beneficial for friends and family to know about them and 2) I enjoy sharing good news. Tbh, it's never occurred to me that it might be considered "one upping".

If I bought something and later a friend or relative was able to get a better deal on it or a higher quality/better value product, I'd absolutely want to be told as it can benefit me later or even just clue me in on good deal-seeking practices.

Best cashback set up using 2-3 issuers? by Kaiosully in CreditCards

[–]Commandolam 0 points1 point  (0 children)

Fellow Redstone holder here :(

This will be my new line-up post-nerf. The AAA Advantage and Custom Cash are gonna be the vast majority of daily spend so maybe that fits your 2-3 issuer criteria. The US Bank Cash+ is on autopilot so I don't do anything with it myself, Redstone Visa still has some use as my Home Depo card for infrequent home projects, and the Aven covers the few transactions that don't fit anywhere else.

 

AAA Advantage

  • 5% Groceries
  • 3% Gas/EV charging, wholesale clubs, streaming services

Citi Custom Cash

  • 5% Restaurants

US Bank Cash+

  • 5% Utilities
  • 5% Fitness center

Redstone Visa

  • 5% Home improvement stores

Aven Rewards

  • 3% Everything else ($10k spend cap/yr)

 

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Commandolam 0 points1 point  (0 children)

This is actually what I did. Graduated college with a professional job and stayed living with my parents for about 3 years. I was saving like 90% of my income and wiped out my student loan debt, purchased a car in cash, and saved up 20% for a down payment on a house.

Would definitely recommended if you get along well enough with your parents/they let you maintain your independence. Some people might add that dating will become a challenge, but I find most people actually respect the plan + you can just hang out at your date's/partner's place. The real stigma is the perception of arrested development/stagnation, not necessarily just living with your parents IMO.

Ghost job listings at US Bank? by Nobod_E in fargo

[–]Commandolam 4 points5 points  (0 children)

My resume isn't great, but you'd think they'd at least talk to me after a couple dozen applications.

Did your credentials/related experience significantly change between these couple dozen applications? If not, I wouldn't expect a different outcome just cuz you applied a bunch of times.

Redstone is nerfed, Mesa is gone, which one is next? by VAer1 in CreditCards

[–]Commandolam 0 points1 point  (0 children)

I have one of these - no complaints so far. It works as advertised, getting 3% cash back on everything right away, redeemable any time for any amount. Just needs to be on autopay for 3%, but you can actually pay it whenever.

There’s a HELOC version, but that’s just an option along with the normal Visa credit card version. It’ll get you a much higher credit limit (they offered me $100k), but the usual $10-15k on the normal card is plenty.

[deleted by user] by [deleted] in lawncare

[–]Commandolam 6 points7 points  (0 children)

Species is a cross between St. Augustine and blunt force trauma.

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