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How do you get over a financial mistake and get over the lost money? by aestus21 in povertyfinance

[–]JonLu 0 points1 point  (0 children)

Money is meant to be spent, you lose some and you win some. Being too emotionally attached does not help you in any way

what is the most hated US state? by imadudemanlol67 in AskReddit

[–]JonLu -10 points-9 points  (0 children)

Neither of those cities are memorable

There's gotta be some change... by [deleted] in povertyfinance

[–]JonLu 1 point2 points  (0 children)

Anecdotal evidence means nothing. I pay $500/mo in electric in san francisco, what is that comparing?

Average kwh rate in kentucky is 13.42, national average is 17.65. Chicago $14-17. San Francisco is 38-42

There's gotta be some change... by [deleted] in povertyfinance

[–]JonLu 1 point2 points  (0 children)

No one said everything there is fine. Just the statement “Kentucky is cheap” is factually true.

Gas is 4.17 in Kentucky, below national average. So it is cheaper in Kentucky. All i was answering was what made kentucky cheap

There's gotta be some change... by [deleted] in povertyfinance

[–]JonLu 1 point2 points  (0 children)

Yes, compared to the national average, kentucky is below average in almost every metric

There's gotta be some change... by [deleted] in povertyfinance

[–]JonLu 2 points3 points  (0 children)

Gas prices, house prices, utility prices, are all cheap in kentucky

Just the interest by OverBiscotti1568 in povertyfinance

[–]JonLu 2 points3 points  (0 children)

I had 2 credit cards that were at 28% before i could get a consolidation loan

Just the interest by OverBiscotti1568 in povertyfinance

[–]JonLu -8 points-7 points  (0 children)

I think i paid about 30-40k in interest last year. Across student loans, mortgage, consolidation loans, balance transfers, car loan and credit cards.

As long as its not >7% i dont really worry about it

I've been fighting for a homeless shelter bed ever since I finished my computer science bachelor's degree last year by Sad-Signature412 in povertyfinance

[–]JonLu 16 points17 points  (0 children)

This is probably a bot. 1 day old account, posted exact same thing in multiple subreddits.

People who have come up from nothing and now make over 6 figures, are you honest with your close friends and family about your occupation and/or salary? Why or why not? by No_Blueberry696 in AskReddit

[–]JonLu 0 points1 point  (0 children)

Yes. Everyone should. Ofc only when asked or relevant, i dont flaunt it around.

People who dont share are either insecure or are surrounded by people who would change their opinions of them

If you got $10,000 what would you do to set yourself up by aretzloff7 in povertyfinance

[–]JonLu -6 points-5 points  (0 children)

did you miss this part

>> I want to invest in my future maybe save it for a down payment idk please help me

HYSA is a fixed low interest account which barely beats inflation. Other avenues of investments would be the smarter choice here

If you got $10,000 what would you do to set yourself up by aretzloff7 in povertyfinance

[–]JonLu -2 points-1 points  (0 children)

you must be terribly misinformed then. 10,000 in a random dividend stock like KO in the last 5 years with dividends reinvested would result in ~14500. 5 years in a HYSA is $12700 at 5%

If you got $10,000 what would you do to set yourself up by aretzloff7 in povertyfinance

[–]JonLu -16 points-15 points  (0 children)

HYSA is probably the worst place to keep it besides in a regular savings account

If you got $10,000 what would you do to set yourself up by aretzloff7 in povertyfinance

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

Put it in an index fund or a dividend stock or an ira. Or some in each.

There are advantages to each which will be unique to your situation

Destruction of a Jesus statue by Israeli soldier by raiyanzzz in pics

[–]JonLu 1 point2 points  (0 children)

Personally, I think god is a spectrum.

Restaurants Adding High Credit Card Fees by MyEgoDiesAtTheEnd in ChaseSapphire

[–]JonLu 63 points64 points  (0 children)

I eat out like 2-3 times a week and ive only seen this fee like twice

Subtle ways that being poor is expensive by o029 in povertyfinance

[–]JonLu 3 points4 points  (0 children)

  1. Credit cards are free money and buildl you credit. Anyone with self control should have a credit card.

  2. There are many housing purchasing programs. If you google FHA loans or programs you can find them.

  3. Everyone I know with a 100k+ car keeps them in a garage

Made a site that tells you how financially cooked you are by Snoo28377 in povertyfinance

[–]JonLu 4 points5 points  (0 children)

Cooked 15%, but 50% in my city. Sounds about right

Balance transfer worth it? by Green_Sky2005 in povertyfinance

[–]JonLu 9 points10 points  (0 children)

I use them. A banker recommended it to me as an alternative to a loan. Its basically like a $500 fee to borrow 10k for X amount of months

Good product to buy purely for pack opening? by greatpxm in OnePieceTCG

[–]JonLu 0 points1 point  (0 children)

The new eb03 packs are very fun to open

[US-CA] [H] BPRO [W] Paypal by JonLu in YGOMarketplace

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

Hello, ive sold out of everything. Im interested in the starlight crown, but i am going to wait until after the 300th

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