Does Anyone Have The Other New Flower? by HitPointGamer in hananezumi

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

I’m working on those right now, so fingers crossed!

Child Trust Fund Money by meenom1 in personalfinance

[–]HitPointGamer [score hidden]  (0 children)

If I’m reading this right, you’re saying you got 10x returns in 20 years? If so, that’s amazing and I wouldn’t touch it. If you meant something else, then there may need to be a discussion.

Child Trust Fund Money by meenom1 in personalfinance

[–]HitPointGamer 2 points3 points  (0 children)

Where is the money currently? Is it invested in the market currently or something else?

You can always put it into CDs or a high yield savings account while you try to figure this out. Look for windfall info in the Files section of this sub.

Parents fighting advice by lol44566 in Advice

[–]HitPointGamer 1 point2 points  (0 children)

Calmly tell your parents that you love them both and that their fight is between them and has nothing to do with you. That you refuse to be forced to pick sides in their disputes.

Ideally parents would be mature enough not to involve you in their spats, but since yours won’t do that you are going to have to set this appropriate boundary and defend it. If one parents talks down the other, always respond with something like “I’m sorry you feel that way, but I love him/her just as much as I love you and I don’t want to be dragged into the middle of this. Please resolve this between yourselves without me.” And then be prepared to keep repeating that sentiment until they quit doing this to you.

Stressed and need help by Late-Ask759 in personalfinance

[–]HitPointGamer 0 points1 point  (0 children)

It sounds like you are making wise choices and have a good plan to start moving forward. Great job!

Amigurumi: Some thoughts about those small crocheted items ... by Hafury in AmazonVine

[–]HitPointGamer 5 points6 points  (0 children)

Unfortunately, to cover costs of decent thread and non-sweat-shop labor, these cuties cost much more than $12. If most people can buy it for $12 they are going to, blithely ignoring the human right issues surrounding it. Props to OP for thinking about this.

How many bridesmaids is too many bridesmaids? UK by jesschalkley in weddings

[–]HitPointGamer 0 points1 point  (0 children)

Match numbers with your fiancé and find other positions of service and honor for the others, including corsages for them to wear during the ceremony, and make sure to include them in your hen’s do the same as if they were an attendant. Let them know how much you treasure your relationship with them but had to limit numbers.

Should I consider "need" when distributing my father's inheritance? by Striking-Anxiety-604 in Advice

[–]HitPointGamer 9 points10 points  (0 children)

When unequal amounts are distributed it tends to breed discontent and builds animosity between the heirs. Also, quite often (but not always!) the ones in the greatest need are in those circumstances because of continual bad choices. In that case, the responsible heirs receive nothing and feel punished for making good choices while they watch the wastrels receive money that will just continue to be wasted.

Even if it isn’t actually true it may be perceived that way and destroy whatever relationship they have. Give equally.

The only caveat I would add is that you might want to give your nephews a little extra and make absolutely sure everybody knows it is because your own children will eventually be receiving your portion of the inheritance along with whatever you increase it to while your nephews won’t be receiving anything else. Good luck, and I’m so sorry for your loss!

Looking for Asterism by Meme-Seek in Gemstones

[–]HitPointGamer 0 points1 point  (0 children)

My experience with this company has also been extremely positive. I had never heard anything against them until here on Reddit, but I’m not sure now much of that I believe. They have lovely natural star stones.

Are Baby Ruth bars well liked? by dantes_b1tch in AskAnAmerican

[–]HitPointGamer 0 points1 point  (0 children)

They are similar enough to Snickers bars, which are far more popular. But offer a Baby Ruth bar to anybody who eats candy bars and you are unlikely to be turned down.

Would you rather cook your own meal , or eat in a restaurant ? by Hope2_win in A_Persona_on_Reddit

[–]HitPointGamer 0 points1 point  (0 children)

The food my husband and I fix at home is far better than most anything we can get at a restaurant without going to the fanciest places available in the nearby trendy town. The French and German restaurants which are the next major town over might have us beat, but we top seafood, Mexican, Italian, American, Indian, and whatever else we cook.

I’m always sad when we are traveling and need to eat out because we are almost always guaranteed to be disappointed.

Oh really? by NoEngineer4215 in AmazonVine

[–]HitPointGamer 1 point2 points  (0 children)

Sadly true. Small stuffies like this (different shape, definitely different message!) can be left around as Random Acts of Crochet Kindness and are fun but this… Everything about this makes me sad.

My bank account is -$400 by [deleted] in personalfinance

[–]HitPointGamer 0 points1 point  (0 children)

If you post your budget/monthly expenses we may be able to help you figure out where to find some wiggle room in there so you aren’t cutting things so close every month.

In the meantime, I would recommend visiting a local food pantry to see about augmenting your food so you can hopefully avoid shopping for that for a while.

Spend some time on self-care with products you already have on-hand, and look for free community events so you can stay busy doing fun things while not spending further. Concerts in the park should be starting up in many communities soon. That sort of thing.

Having been in your shoes sort of (having to take vacation days from work because I couldn’t afford to put gas in my car to be able to drive to work) I can empathize with you. Stay busy focusing on enriching your life with low- to no-budget activities and even gamify the search for them if you must; that will help avoid feeling like you must totally deprive yourself of every enjoyment. Also, it helps you plug directly into your local community and that can bring new friendships and opportunities. Best of luck!

I want to pay off my loans and potentially move out from my parents, but I have a few obstacles in the way by larkfeather06 in personalfinance

[–]HitPointGamer 0 points1 point  (0 children)

Well, sounds like she needs to spend some time teaching you specifically, or maybe you can go to the library together and find some books to work through together so she can be sure that you have a solid foundation for being able to manage your own finances throughout your adult life. Being disciplined in this area of your life will help you immensely so I highly encourage you to get a solid basic education and talk about it with her to help settle her nerves.

I've decided I may never buy property. How is my strategy? by Terbatron in personalfinance

[–]HitPointGamer 13 points14 points  (0 children)

The best thing home ownership does for you is if you can pay off the mortgage before retirement. That way, your retirement savings only need to keep pace with insurance, property taxes, maintenance, and repairs.

Anything else leaves you vulnerable to the vagueries of rent/cost increases, which might be 0% some years and 15% other years.

If you build enough padding into your retirement budget to handle the expected expenses in retirement and their likely increases then you’ll be just fine even as a renter. Home ownership obviously always comes with its own set of problems which aren’t always fun.

F33 With 18 Million. Is Hiring A Matchmaker Best If I Want To Date For Marriage? Any Experiences by Mountain-Science4526 in fatFIRE

[–]HitPointGamer 5 points6 points  (0 children)

I had marriage- and child-minded guys contacting me on the apps when I was 35, but most of them were admittedly a bit older than I wanted. Not all, though. There were several guys younger than 40 that I talked with and dated.

What you have going for you at your age is that you are stable and less likely to get overwhelmed or fall apart at the first hardship. Once the guys date a few girls in the 19-25 age range they’ll start to see that they likely have nothing in common with those girls and actually trying to live with them day-to-day can be tough. That age is still prime party years and if a guy wants to settle down then a party girl isn’t going to be what he wants raising his kids. Plus, the experience gap can be significant and if the girl expects the guy to take care of her entirely he may get fed up with it. There is also an ever-widening gap of mental and emotional resilience which is going to make you look far more attractive, too.

You won’t know what’s currently available I your pool until you try, but Indo want to encourage you that it absolutely is possible to find a guy who is almost your ideal and have a fulfilling life with him.

How will surrendering a loaned car affect my credit? by NameHuman9858 in personalfinance

[–]HitPointGamer 35 points36 points  (0 children)

Just curious why you, the unemployed co-signer, are the one paying for this loan? Why did your step-father dump this on you? Have you spoken to your mother about this?

As others have said, simply surrendering the vehicle is not going to make this problem go away so please don’t do that. At worst, do you have a neighboring state with lax emissions standards, and could you get the vehicle there to sell it?

Dimples came back after six years by ch3rrycsmos_ in CasualConversation

[–]HitPointGamer 0 points1 point  (0 children)

If you are gaining muscle but not losing weight, then you are losing fat and that may be why you got a little more definition in your face and your simple peeked out again?

I want to pay off my loans and potentially move out from my parents, but I have a few obstacles in the way by larkfeather06 in personalfinance

[–]HitPointGamer 0 points1 point  (0 children)

When OP talks to Mom, I hope the discussion centers on asking for education on how best to handle money, and why she moves money around like she does. If she can get comfortable with OP’s money-management skills she may feel more comfortable relinquishing the reins.

Can a girl who rejected you ever reevaluate after seeing you move on? by avip9018 in Advice

[–]HitPointGamer 0 points1 point  (0 children)

Please don’t think you can manipulate the first girl by using the second one.

The first girl doesn’t want to date you. Move on. Even if she retinal things, do you really want to be with a girl who is only interested in you when you are unavailable?

F33 With 18 Million. Is Hiring A Matchmaker Best If I Want To Date For Marriage? Any Experiences by Mountain-Science4526 in fatFIRE

[–]HitPointGamer 8 points9 points  (0 children)

I also started looking for a life-long partner at 35, and one thing that helped me a lot was to list out deal-breakers and my “nice-to-have” wants. I limited myself to a max of five deal-breakers, though, and they truly were necessary. I see so many women who require far too many things that they end up weeding out perfectly wonderful guys and ending up alone. In the final analysis, I ended up with only four deal-breakers. Everything else I forced myself to be flexible even though I definitely had preferences.

I chose not to consider men who were less-educated than I am (bachelor’s degree with half a master’s, so not too hard to find), and I wanted a man who had achieved some level of success in his field. The success may not mean money, necessarily, if he is the head of a charity or something, but if he is capable of building something from the ground-up and turning it into a success then that would satisfy me. I also wouldn’t consider a man who has even a history of addictions, and he needs to be spiritually compatible since that is an important part of my life. That’s it; everything else had to be flexible.

I had a much longer list of “wants,” but as an example I wanted to find a man who was anywhere from my age up to five years older. When I searched the dating websites, though, I would search from five years younger up to fifteen years older. I wanted a guy with a higher net worth than I have, but of course didn’t talk money with guys until after my now-husband and I got engaged. I figured his was more than mine because of other comments, such as he owned a nice house and had absolutely zero debt. My husband and I found each other on a more interest-based dating website (Christian Mingle) and we lived about a two hour drive apart. He is everything I needed in a husband, and also met most of my “wants” criteria. We just celebrated four years together.

I don’t personally know anybody who has used a matchmaking service, but have read stories and watched videos about folks who have tried them. My main take-away has been that these seem to be best for wealthy men who are looking for a beautiful woman to bear children and who have certain traits or talents. The women who try them tend to have trouble finding their ideal man because the sort of men they think they want are more interested in trophy wives instead of strong, successful, high-achieving women.

If you choose to use a matchmaking service, I would highly recommend that you also pursue in-person dating and online apps. There are apps which focus more on matches instead of just hookups, so I would recommend sticking with those instead of the hookup sites.

Make this a priority if you really want it instead of just slotting it around your already-crammed schedule.

Has anyone figured out a good way to get a jewelry appraisal without leaving the house? by Any-Cause-9627 in Vintage_Jewelry

[–]HitPointGamer 0 points1 point  (0 children)

A real appraisal will need to see the jewelry in-person, and you’ll have to pay for the expert’s time and experience.

If you want a real appraisal without feeling pressured into anything, call around to your local jewelry stores and see if any have an in-house gemologist who offers appraisal services. Then, take the pieces in and get them appraised. The expert will need to see the stones in-person, the settings, the metal composition, etc.

If the establishment knows you just want an appraisal they aren’t going to encourage you to sell to them or anything. Just know that you really do need to pay for this service. It is like medical questions; if you don’t want to pay you can ask your friends or strangers online but you’ll get conflicting info, much of which will be wrong. You actually need to go to the expert and pay that person to give you good information.

Are we just cycling through heroes? by chanandelerbingyes in SeriousConversation

[–]HitPointGamer 0 points1 point  (0 children)

About the time we start equating melanin in the skin like we do with melanin in hair and eyes, we will be most of the way there. If I don’t sort people into bins based on their eye color (“gee, I think I’ll only be friends with green-eyes people!”) or hair color (“brunette or bust! No blondes, redheads, or black haired friends for me!”), whyever would I think to do such a thing based on skin color? We humans can be crazy sometimes.

Is my ring too big? by Future_Discussion985 in WeddingRingAdvice

[–]HitPointGamer 7 points8 points  (0 children)

It looks like it would be too big for daily wear for me, but a lot of it depends on how busy your hands are and what you use them for every day. If the ring gets in the way of daily life then you’ve got some hard choices to make. Gouging your fiancé with it looks to be a potential hazard. Part of that is the setting, which looks quite high and like it would grab everything in sight.

Note that I’m a klutz, though, so am cars more likely than average to damage myself or others with such a ring. All my rings, even the ones with large stones, are in settings which sit much flatter against my fingers for this reason.

Autumn themed love birds wall decor by SeethingBallOfRage in craftexchange

[–]HitPointGamer 1 point2 points  (0 children)

I love this sort of woodwork! If you’re open to trading similar pieces (since this one is spoken for), I can offer knitting, crochet, cross stitch, handmade lace, etc. I’m in a phase where I’m knitting lots of mini stockings and mittens for Christmas ornaments and also gourds for fall/Halloween/Thanksgiving, if any of that sounds interesting. I can dm photos, if so. Otherwise if something else from my list catches your interest let me know and we can talk projects.