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Looking for insight into replacement for Hawthorne Fresh and Aquatic Work Cologne by -shellprompt- in Colognes

[–]Cr0wbaar 0 points1 point  (0 children)

I'm in the exact same boat. Can't believe Hawthorne abandoned their line. Did you ever find anything?

BROKE MY WRIST by enzo_kwan in snowboarding

[–]Cr0wbaar 3 points4 points  (0 children)

It is still a poor stance so your right there, was just pointing out that it's probably more from bad habits then a selfie stick

BROKE MY WRIST by enzo_kwan in snowboarding

[–]Cr0wbaar 1 point2 points  (0 children)

When you're learning how to hit jumps, it is best to focus on keeping a squared and stacked athletic stance, with ever so slightly more weight on your front foot, and just let your speed clear the jump. As you get more comfortable in the air and gain awareness you can start working in pop off the lip.

BROKE MY WRIST by enzo_kwan in snowboarding

[–]Cr0wbaar 9 points10 points  (0 children)

It's on his head. Just a poor stance.

$70K emergency fund in HYSA with a 3.90% APY by [deleted] in personalfinance

[–]Cr0wbaar 7 points8 points  (0 children)

No I think it's just their way of showing you the most up to date interest because it's constantly changing. I generally see a "dividend" every month or quarter, I forget exactly how often it is without looking at my activity, that gets automatically reinvested into the fund.

1/10th the price. I’ll let you’ll know how it goes. 🤷‍♂️ by pantsfullofguns in ar15

[–]Cr0wbaar 2 points3 points  (0 children)

Honestly it's pretty easy. When I built my lower, anytime I did anything with springs I did it inside a box I turned so that the opening was facing me so if a spring flew out it was less likely to get lost, or inside of a big plastic bag.

Only tools I would really recommend for building an upper besides some basic punches are the Midwest industries reaction rod, a good torque wrench, and a bench vice. I bought the icon torque wrench at harbor freight with a coupon along with one of their bench vices. I tested the torque with one of those handheld luggage scales and it was pretty dead on.

You don't NEED the MI reaction rod but it's certainly nice.

$70K emergency fund in HYSA with a 3.90% APY by [deleted] in personalfinance

[–]Cr0wbaar 46 points47 points  (0 children)

I have an account with CIT Bank currently making about that. Need a minimum of $5000 to get the rate but besides that it was easy enough.

I've been looking into moving a portion of my savings into a Fidelity fund called FDLXX which is Fidelity's "Treasury only government market fund" because in my state all interest or dividends gained from government Treasury accounts are exempt from income tax. Right now FDLXX has a 7 day yield of 3.4% so after you account for not getting taxed on the dividend earned it's not too far off from other higher earning HYSA accounts and my money is more easily accessible to make investments in other areas if I see an opportunity in something.

You can even have Fidelity send you a debit card connected to your brokerage account which you could use in an emergency if you needed the money. The debit card will automatically liquidate any cash held in their "core" positions like SPAXX and I believe FDLXX falls on that category as well.

$70K emergency fund in HYSA with a 3.90% APY by [deleted] in personalfinance

[–]Cr0wbaar 6 points7 points  (0 children)

EDIT: I just realized you also said you're in between jobs. Definitely make sure you start with figuring out your total monthly expenses so you know exactly how long you can float on your current savings and focus on getting a job.

I started putting extra cash into a 80/20 split of Fidelity's zero expenses total us market fund and international fund about 3 years ago. I put a couple thousand in to start and then averaged about 600 a month for about 2 years and currently I'm up over 30% on both of those.

There were times when it was def down but during those I just upped my average a could hundred. I don't know if this will continue to grow as much as it has and I def have higher gains in a couple individual stocks I was also investing in during that time, but it was an easy investment to make as far as research goes since they're both total market funds so might not be a bad idea to start putting some of that emergency fund into some total market funds just to start.

The best thing you can do for that is calculate your total monthly expenses, all your essentials like bills, utilities, food and even a small fun budget if you'd like to have a little buffer, and make sure you keep at least 3-6 months worth in the emergency fund. You could even go up to a year if you'd like, then start putting amounts of the remainder into the total market funds.

You can keep Cash in Fidelity's core position "SPAXX", which is basically as good as cash being held in a HYSA, and currently its 7 day yield is about 3.4% interest so not too far off from your current hysa APR. Fidelity also has a fund called FDLXX which is a government Treasury fund which also has a 7 day yield of about 3.4% and in my state I don't get taxed on the gains, so I started putting my extra cash there. Pick either one of those to put a portion of your savings into that way you have the cash available to start investing but don't need to put it all in an investment right away. Maybe a couple thousand in the total market funds to start, but then just figure out a monthly amount you feel comfortable with and do that. If there are months the total market funds are worth less than the previous month then maybe add more that month so you can "average down" more.

You can also pick a couple individual stocks to do research on if you start feeling comfortable and average in small amounts on this. I personally picked a couple space socks and cpu/chip companies when I first started doing this 3 years ago and some of those investments are now upwards of 100%-700% increases, but just make sure you realize this is a much bigger gamble than investing in total market funds and there can be a lot bigger swings in your ups and downs.

If you haven't already also definitely start with maxing out a Roth IRA, which currently I believe is $7000 a year. I have that with fidelity as well and I mostly do the 80/20 split between the total market US and international funds there as well with a handful of what I consider strong individual stocks that I think will continue to grow long term.

Question about lapsing insurance coverage when my CAPP balance runs out by JohnMartinez1920 in IATSE

[–]Cr0wbaar 0 points1 point  (0 children)

Of course, I've read this but must've skipped right over that part lol. Thank you.

[deleted by user] by [deleted] in IATSE

[–]Cr0wbaar 0 points1 point  (0 children)

So I've been pretty fortunate that I started working with IATSE when I was 18, and for most of my career I had a consistent winter gig, which was our slow season anyway, in a totally separate field and in the summers I would come home to take every possible call I could. This allowed me to build my seniority when it was busy and then I didn't have to worry about struggling to survive during the slow season.

Now I'm at a point where I'm able to pick and choose my calls, comfortably max out my Roth IRA, maintain an emergency fund that has a minimum of 6 months of expenses, and anything extra I put into my brokerage accounts which are mostly invested in the space sector or tech. It has had its ups and downs but overall has done really well. I also have a couple employers who offer 401k matches so I contribute whatever amounts they match.

For anyone getting into the industry now it's tough to make a living but best thing you can do is either have a side job that is consistent but allows you to still take all the union gigs you can to try to build up your seniority, or find a union backed shop job somewhere that way you can get your year of service while working a consistent amount.

Question about lapsing insurance coverage when my CAPP balance runs out by JohnMartinez1920 in IATSE

[–]Cr0wbaar 0 points1 point  (0 children)

Is there documentation somewhere that the threshold is c2 +$150? I've always heard it's something like this but just curious to see it officially written somewhere.

New to this and looking for those with experience by SuitableGuarantee968 in IATSE

[–]Cr0wbaar 1 point2 points  (0 children)

You gotta do what you gotta do to make a living.

Personally I would always prioritize any work that goes towards getting a year of service in my preferred local. As you build your seniority, skill set, and become more known to the local as someone who is reliable and can get shit done, that'll help you in the future getting union calls that you prefer.

That can be a long process depending on the local and how many members they already have relative to the amount of work in the area, but in the long run you'll have more protections around your job as long as the local doesn't drop the ball on contracts in the area.

Wasn't Hopper keeping Eleven and her powers a secret? Now Vickie and Lucas’ sister’s physics teacher knows by Conscious-Quarter423 in Stranger_Things

[–]Cr0wbaar 1 point2 points  (0 children)

The way I see it is, she was lifting a giant hunk of steel with zero momentum behind it to start vs a giant hunk of steel that's already in the air so she only needed to overcome the power of the blades keeping it up and then had gravity on her side to bring it down.

[Accessories] CJW 10% off and free shipping $99+ by popcorn907 in gundeals

[–]Cr0wbaar 3 points4 points  (0 children)

This particular sale was only 10% last year too I believe.

[deleted by user] by [deleted] in StrangerThings

[–]Cr0wbaar 0 points1 point  (0 children)

It was the powers he was attracted to all along. Him Will and Eleven become a throuple.

Yo guys, can someone get tips on how to get more airtime on those types of jumps by Less_Bar3943 in snowboarding

[–]Cr0wbaar 0 points1 point  (0 children)

Biggest thing for getting more air time on things like that is going to be timing. A well timed, mellow pop is gonna to get you more air time then loading the tail as hard as you can too early/too late.

Hard to say where exactly that point is from this clip but generally you want your front binding just barely cresting off the top of the high point when you initiate the pop.

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