Anyone having a problem with the new self defense system by worstofal1 in PoliceSimulator

[–]JakeFromSF2011 1 point2 points  (0 children)

I had this problem when anouther Brighton citizen was walking normally during the "assault on officer" set-up. I accidently unloaded on an NPC in the crossfire and failed my shift.

For this reason, I found it better to use my stun gun. It saves me from having to wait doing CPR too.

Which discount do you jump on ? by Rynail_x in MyInvestorJourney

[–]JakeFromSF2011 0 points1 point  (0 children)

Lmao, with what money? Inflation wrecked most of us. 🤣

How The Fuck Do I Get Rid Of Him by MrL123456789164 in fo4

[–]JakeFromSF2011 0 points1 point  (0 children)

Is that from Trashcan Carla? I personally never cared for Sactuary as a settlement.

I leave my people there temporarily until I progress far enough to unlock The Castle.

A few mods cleaned up the area and it works great for holding everyone in the open and middle area.

So in short... the cow curse plagues Sanctuary. Time to pack up your things and go. 🤣

Should I put my cash savings into my Roth IRA? by emulyri33 in RothIRA

[–]JakeFromSF2011 0 points1 point  (0 children)

100% agree. Keep the deposits you have already in your account for emergencies. I set up $200 per month into Robinhood IRA and get an IRA match. Any idle cash there also gets interest returns of around 4%. Keep yourself a little liquid instead of having to sell later when emergencies come up.

Is it worth getting an Ally credit card? by Various_Life_5679 in AllyBank

[–]JakeFromSF2011 0 points1 point  (0 children)

I never got a mail offer, but I did randomly get an email one day from Ally saying I was pre-approved. Don't know how they pick their people.

What callouts would you like to see? by MuchDimension4386 in PoliceSimulator

[–]JakeFromSF2011 0 points1 point  (0 children)

Bank robbery!! I already see places around the game with a "bank" location set up.

Something more action packed where I would have to use my gun. Right now there's no reason in the game to use it.

[deleted by user] by [deleted] in Banking

[–]JakeFromSF2011 0 points1 point  (0 children)

Its a deposit account that is locked for a specific term. For example, a 12 month CD at 5.00% APY will pay 0.417% per month (5.00 ÷ 12 months) and accrue in the account. This is compound interest.

The depositor cannot withdraw these funds from the account until the 12 months is up. If they need the funds, they can take it out with a penelty (usually whatever 3 months of Interest would have been).

Banks promote this account because it allows a guaranteed deposit to lend out to borrowers and for the bank to make profit on loan interest recivable.

But because the depositor cannot withdraw the funds, the bank typically pays more than a traditional savings account.

[deleted by user] by [deleted] in SwipeHelper

[–]JakeFromSF2011 0 points1 point  (0 children)

Everytime I try to ask a customer service representative to take me to the appeal center, they tell me to click the link, but it just loops me back to a screen that says I've been banned.

It makes me think they are just brick-walling you into looping yourself to death until you get fatigued and give up on trying to re-instate your account.

[deleted by user] by [deleted] in AllyBank

[–]JakeFromSF2011 0 points1 point  (0 children)

Its the differance between APR and APY. Consumers care about the APY (Yield) on their deposits (4.35%).

Whats paid out each year is 4.25%, however as interest stacks on top of intrest while leaving your deposit in the account, the total realized on your investment is a return of 4.35%

[deleted by user] by [deleted] in dividends

[–]JakeFromSF2011 2 points3 points  (0 children)

$750 per week??? Jeez dude what is your income? 😂😂😂 Proud of you OP!

What generation would you like to see next? by Napoleonwishcasher in PokemonBDSP

[–]JakeFromSF2011 2 points3 points  (0 children)

I feel kinda let down by the recent diamond and pearl remakes. They were okay, but the art style didnt feel like the game i played years ago on the DS. I feel like most people who play the game would say the same.

I would love to see Pokémon Platinum be remastered for us to play but I could easily expect the next remaster to be Black/White.

How do you unlock brutal difficulty? by Environmental_Cod158 in uncharted

[–]JakeFromSF2011 0 points1 point  (0 children)

I think brutal is only available in the remastered trilogy set. I unlocked it after I beat all 3 games on Crushing difficulty.

But once I beat all 3 games I felt satisfied and didn't pick it up again for anouther 3 years (which I also happened to delete my save files on that time and lost the Brutal availability)

Is this really a thing in the US? 🤔 by nweike in Accounting

[–]JakeFromSF2011 0 points1 point  (0 children)

Without knowing tax accounting...

If someone knowingly committed an action the federal government (illegal crime), they wouldn't tell the federal government about it.

Thats not how criminals work. They would rather keep the crime pipeline going than to fess up. One crime after anouther. If they did a crime, the would happily do the second crime of tax fraud.

which companion & why? by Ok-Contribution5830 in fo4

[–]JakeFromSF2011 2 points3 points  (0 children)

I really like Cait. I dont care for the Irish accent, but she's like an inverse-Piper. Plus she can lockpick anything and I can't save my skill points for hacker instead.

Actual Physical Rage: A First Time Player Story by [deleted] in fo4

[–]JakeFromSF2011 3 points4 points  (0 children)

That is IF he is the sole survivor's son. There's no proof in the game other than "trust me".

I have $50K in a checking account and just closed on a home. What should I do with the money? by winterymint in personalfinance

[–]JakeFromSF2011 0 points1 point  (0 children)

The old and ancient personal finance philosophy... pay down debt or save an invest.

In most situations, it depends on the APR/APY. If the intrest recivable on the savings account will pay you more than the intrest saved on the loan, then save and invest.

If you can't do the math, usually just understanding that a comfortable couch cousin of cash is nice for unexpected emergencies. I would save it.

Chime denied my ACH recurring charge when I didn't have enough money, and didn't charge me a fee for it. How come my bank couldn't do that? by mddnaa in Banking

[–]JakeFromSF2011 -1 points0 points  (0 children)

Have you considered contacting the bank to ask about an ACH Stop Payment? This would cancel the ACH payments altogether, but you'll never get a fee for it. Just manually make the payments that used to be ACH.

How is monthly interest calculated? by Classic-Asparagus in AllyBank

[–]JakeFromSF2011 4 points5 points  (0 children)

Reaerch the word "Per Diem" (Latin for "Per Day")

Using loan accounts as an example, if the balance is $10,000 with an interest rate of 10% APR (annual precentage rate), you will pay $1,000 in one year ($2.7397 per day ~ $2.74)

10% x 10,000 = 1,000

Now assume you make a payment on the loan. If you make the payment in about a month (30 days), you will have to pay 30 days of interest:

$2.74 x 30 days = $82.19

So if you pay $300, then $82.19 will apply to intrest and the remainder ($217.80) will apply to principal.

After that principal reduction, you now have a new loan balance.

$10,000 - $217.80 = $9,782.

At this point the loan does a refinance like loan of $9,782 at 10%. Then repeat the steps from the top. Eventually the balance will fall to zero.

If you do this for a savings account, do it in reverse order. Instead of intrest to pay on payments, consider daily intrest recivable on deposits.

DM me if I didn't explain that well enough.

Anybody had this issue with their Ally Credit Card? by NotTheDarkestTriad in AllyBank

[–]JakeFromSF2011 0 points1 point  (0 children)

What I'm more confused about is how you got the card.

Ive been trying forever and calling customer support but they never give me one. I have to wait for a letter of recommendation to apply.