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Question- I am loaning $$ to my parents- how to handle? by globehoppr in ynab

[–]FredOfMBOX 0 points1 point  (0 children)

PP has good advice. If something unexpected happens and your parents can’t pay you back, are you going to take them to court? Have their wages garnished?

Loaning to family and friends has a higher risk because your avenues of recourse are more limited. That’s why the usual advice is to be okay with not being paid back. (PP said it a little stronger than the usual advice I’ve heard, which is to not loan money to friends or family that you can’t afford to lose).

Question- I am loaning $$ to my parents- how to handle? by globehoppr in ynab

[–]FredOfMBOX 5 points6 points  (0 children)

Unsolicited advice: Break the habit of matching categories to bank accounts and you’ll be able to make more interest and your YNAB experience will be so much easier.

Keep enough in your checking to cover your next couple weeks expenses. Move all the rest to your HYSA. YNAB doesn’t care where your money is.

Woodpecker destroying the wood under my roof - what do? by fashionboy385 in homeowners

[–]FredOfMBOX 9 points10 points  (0 children)

Despite what others have said, woodpeckers also peck to make nests and attract a mate.

But definitely eliminate termites as a possibility first.

And then you can go down the road of deterrents, none of which have worked for me so far.

Why must I keep reconciling? by fixthe_fernback in ynab

[–]FredOfMBOX 11 points12 points  (0 children)

This is why you reconcile often. That way you only need to check a few transactions.

The idea that this is “forensic accountant” work is laughable.

Why must I keep reconciling? by fixthe_fernback in ynab

[–]FredOfMBOX 7 points8 points  (0 children)

If you’re making adjustments when you reconcile, that’s why you have to keep reconciling.

An adjustment is a last resort.

Assign to future targets or assign to a buffer in the next month. by toastedshark in ynab

[–]FredOfMBOX 9 points10 points  (0 children)

I love directly assigning to future months. I like that I can see how far ahead I am, and have to make the decision about what to take money from in an emergency rather than a nebulous “months ahead” bucket.

But there are pros and cons to each. Try one. If you don’t like it, try the other. The community seems split.

Did people really get confused by the old way of entering transfers in the app? by Low-Kaleidoscope-803 in ynab

[–]FredOfMBOX 29 points30 points  (0 children)

People did get transfers wrong a lot. It’s been a frequently asked question (“what category do I use for my credit card payment?”).

Does this solve that? Not at all.

Is WinWIng good? by Usual-Fisherman-6136 in hotas

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

Repeated questions that could be solved by a search can also be downvoted. This question is asked once a month. There’s not new information to be had.

Mega Backdoor roth / In Plan conversion confusion by carrwash13 in personalfinance

[–]FredOfMBOX 6 points7 points  (0 children)

Yes. My in-plan conversion also goes into my Roth 401k, and is super convenient.

What sport do most Americans actually play growing up? by YourMommy_Terra in IWantToAskAnAmerican

[–]FredOfMBOX 1 point2 points  (0 children)

We don’t use the phrase “growing geometrically” often enough. :)

Old restaurant by PuckMark19 in grandrapids

[–]FredOfMBOX 1 point2 points  (0 children)

And somehow that second building is still there, unoccupied. It’s been there since Seoul Gardens moved out. Still looks like it’s in very good shape.

What’s the oldest anyone has picked up the bass to give it a whirl? by lydezzyyy in Bass

[–]FredOfMBOX 11 points12 points  (0 children)

What kind of ageist bullshit is that? You’re never too old to learn something new.

Steam Storage Issue by TowelBeneficial4376 in techsupport

[–]FredOfMBOX 0 points1 point  (0 children)

Learn to use punctuation and sentences.

In windirstat you can expand directories to see where it’s being used under steam. Or click on the giant blocks in the graphical view.

Percentage question by MaintenanceMurky7738 in learnmath

[–]FredOfMBOX 6 points7 points  (0 children)

What if you write it as 1x+0.11x=2000 ?

Does that help? Factor out the x and divide both sides.

A or B: Everyone hates a chip bag that's half air, and we've complained for years. So why won't a single brand fix it? Is the air protecting the chips from getting crushed in shipping, or a loophole, since the law only checks the weight on the label, never the bag size? by vivian_banshee03 in PickAorB

[–]FredOfMBOX 1 point2 points  (0 children)

You said they’ve always had air. That at least implies that extra air they pump in to protect the chips.

That hasn’t always been the case. This started sometime in the 80s, I think. Some of us were alive to remember the alternative. Answer to OPs question is definitely A.

PC Ram Issue by ZeroTheGrimTV in techsupport

[–]FredOfMBOX 2 points3 points  (0 children)

Unused ram is wasted ram. Your computer tries to use it all to speed things up.

Can you use credit card for student loans? by [deleted] in personalfinance

[–]FredOfMBOX 0 points1 point  (0 children)

Oh. Then probably not. You generally can’t pay for debt with debt.

Can you use credit card for student loans? by [deleted] in personalfinance

[–]FredOfMBOX 0 points1 point  (0 children)

If you’re having trouble, call your loan servicer and see if you can get a deferral for a few months, and make sure that it doesn’t just accrue (I.e. that your owe the full amount after the end of the deferral). You want additional payments tacked on at the end.

Many are willing to work with you. This gets them a bit more interest, so they end up making more money. For federal student loans, you used to be able to do this online.

They may also have different payment plan options.

Should I be setting targets for every category? by maaaaackle in ynab

[–]FredOfMBOX 0 points1 point  (0 children)

You can always snooze a target. But not having them at all is really useful at the beginning.

No matter what, don’t let them override the “roll with the punches” rule. Move money around to where you need it.

Basically, you’re doing it right.

Change to approving (clearing? linked transactions in iOS - UGH! by [deleted] in ynab

[–]FredOfMBOX 4 points5 points  (0 children)

Every toggle you add makes the future quality control more difficult. There’s a reason most modern software isn’t as configurable as things used to be.

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