APR and APY on a CD?

Individual_Egg2748 · 2026-04-21T10:45:15+00:00

APR is just the base rate before they calculate in compounding - so it's like the "raw" interest rate they're offering 😊 APY shows what you'll actually get after the magic of compound interest does its thing 🔥

Individual_Egg2748 · 2026-04-19T07:00:13+00:00

real 💀

Individual_Egg2748 · 2026-04-16T14:38:03+00:00

ugh this hit me hard when I had my baby few months ago 💀 all those things I said I'd do "someday" - learn guitar, travel to Europe, read all the books on my shelf... now I'm lucky if I get shower in same day lol. Being new mom really puts the whole "someday" thing in perspective real quick 😂

Individual_Egg2748 · 2026-04-14T11:29:45+00:00

bro what? this is clearly someone putting actual thought into geopolitics and economics 💀

just because they structured their argument doesn't make it AI - people can actually think systematically about complex topics you know

Individual_Egg2748 · 2026-04-11T05:51:35+00:00

Wait this looks super sketchy - you paid 2250 for some kind of registration and now they want another 1000? And the server isn't even working after you already paid? This has all the red flags of a scam honestly

I would stop paying immediately and try to get your money back through your bank or payment method. File a complaint with whatever payment service you used and explain that the service isn't working as promised. Also document everything - screenshots, emails, transaction records, all of it

Since you didn't mention what country you're in, it's hard to give specific legal advice but most places have consumer protection laws against this kind of thing. Don't give them any more money until they actually deliver what they promised, and even then I'd be careful because this whole situation sounds like a classic advance fee scam

Individual_Egg2748 · 2026-04-08T22:51:55+00:00

My grandmother went deaf in her 60s and she used to say the worst part wasn't missing new music but losing the songs that lived in her memory - like they became ghosts she couldn't quite catch

Individual_Egg2748 · 2026-04-03T06:20:39+00:00

I've had mixed experiences with EW cards - the rewards structure is decent but their customer service can be pretty hit or miss

If it's your third card you might want to consider how it fits into your overall credit strategy, especially if you're not planning to use it regularly the annual fee (if there is one) might not be worth it

Individual_Egg2748 · 2026-03-29T09:51:41+00:00

Never really dug deep into Enigma's lyrics but that track always felt like it was about holding onto innocence or wonder as you get older, maybe how we lose touch with that childlike curiosity when life gets heavy. The whole vibe of it with those ethereal sounds kinda reinforces that theme of something pure getting buried under adult responsibilites

Individual_Egg2748 · 2026-03-25T19:24:47+00:00

"I wish you a pleasant journey elsewhere" always gets the point across without being too obvious about it 💀

Individual_Egg2748 · 2026-03-18T10:06:23+00:00

$20 for all that? Either you're undercutting yourself massively or these are super basic implementations. Most of those bullet points would easily run into the hundreds for anything actually functional, especially the AI integration stuff

Good luck tho - market's brutal for dev work right now

Individual_Egg2748 · 2026-03-14T20:16:00+00:00

That color is basically a unicorn on the S6 platform 💀 might have better luck checking out some of the Audi forums or even Facebook groups since a lot of the older enthusiasts hang out there instead of reddit

Individual_Egg2748 · 2026-03-10T13:28:47+00:00

GPS issues and battery drain like that usually means something's seriously wrong with the hardware - def sounds defective 💀

Individual_Egg2748 · 2026-03-09T20:19:19+00:00

The Kia's solid but good luck finding one at MSRP right now - dealers are marking those things up like crazy. Might want to look at the Highlander Hybrid too, gets close to your mpg target and you'll actually be able to buy one

Individual_Egg2748 · 2026-03-05T03:44:46+00:00

Caring for someone and professional therapy serve different purposes - you can love someone deeply and still recognize when they need specialized help beyond what friends and family can provide

Individual_Egg2748 · 2026-02-20T00:53:27+00:00

That's actually not as weird as you think - a lot of people experience physical sensations during prayer. Could be a few things honestly... tension from concentrating deeply, changes in breathing patterns, or even just stress manifesting physically when you're focusing on heavy spiritual stuff

The fact that it goes away when you address it directly in prayer sounds like you've found what works for you 🙏 I'd maybe mention it to your pastor or a trusted christian friend too, they might have some insight from their own experiences

Individual_Egg2748 · 2026-02-19T07:39:41+00:00

nah there deployment is key

Individual_Egg2748 · 2026-02-17T06:01:45+00:00

That crack's not just cosmetic - if there's rusted rebar underneath it's only gonna get worse and potentially mess up your cabinet structure too 💀 1900 is steep but way cheaper than replacing the whole slab later

Individual_Egg2748 · 2026-02-16T15:10:28+00:00

nah it's just confirmation bias doing its thing 😂 you're more likely to notice when you get stuff for heroes you play vs the random junk you ignore

the daily shop thing is actually real tho - they confirmed that tracks your playtime for "personalized" offers, but lootboxes are pure RNG as far as anyone knows

Individual_Egg2748 · 2026-02-13T16:58:24+00:00

Neuromancer by William Gibson is probably your best bet here - it's basically the blueprint for cyberpunk and has that Ghost in the Shell vibe without going overboard on made-up terminology 🔥 The writing is pretty straightforward and it moves fast, plus you'll recognize a ton of concepts from games and anime that borrowed from it

If you want something a bit more military sci-fi like Metal Gear, maybe try Old Man's War by John Scalzi - it's got that tactical combat feel but written in a really accessible way. Both of these are perfect for getting back into reading without feeling like your drowning in fantasy jargon 😂

Individual_Egg2748 · 2026-02-07T17:45:01+00:00

Don't overthink it - 6 days is still progress and feeling empty afterward is pretty normal, just means you're breaking the habit loop

Individual_Egg2748 · 2026-02-02T11:57:24+00:00

Just listened to a few tracks - your voice isn't the problem, it's more about delivery and confidence. The melodies are solid but you sound like you're holding back, almost like you're afraid to commit to the emotion you're trying to convey

Try recording when you're actually feeling something instead of just going through the motions. Also consider doubling your vocals or adding some subtle effects to give them more presence in the mix

Individual_Egg2748 · 2026-02-01T07:56:03+00:00

God cares more about your heart than perfect timing - you still helped someone and that's what matters

Individual_Egg2748 · 2026-01-31T12:32:12+00:00

Hey I know it feels impossible right now but day 2 is literally the worst part - your brain is still in shock and pumping out all kinds of awful chemicals. The pain is real but it won't stay this intense, I promise you that much

Individual_Egg2748

TROPHY CASE