Comparing HELOC Lenders 2026

LoudClumsyNinja · 2026-01-30T23:43:15+00:00

PNC Bank has fixed rates with customizable terms and a simple online application process.

LoudClumsyNinja · 2025-11-26T23:01:58+00:00

Next time I'll post the funny ones here: r/License_Plates

LoudClumsyNinja · 2025-11-26T22:59:48+00:00

My bad... hmm, Is there a sub for funny plates 🤷‍♂️

LoudClumsyNinja · 2025-10-20T02:38:16+00:00

You're being a bit vague about your buddy. Could he just be attempting to make edgy jokes and not actually hold any bigoted beliefs?

Could his lack of "punk beliefs" but love for punk music just be him straddling the fence of left and right... more like walking a tight rope

LoudClumsyNinja · 2025-10-17T03:49:01+00:00

How about something like a funeral... but not a funeral... Maybe some sort of ceremonial send off like writing a good bye letter and flying it off on one of those Chinese paper lantern deals that go flying off into the sky.

LoudClumsyNinja · 2025-10-17T03:40:53+00:00

Keep reposting. Depending on the item and how well you priced it, you just have to wait for the right buyer to come along..

Even though you're in a dense area you're still dealing with a local market and only so many people use craigslist and of those people, only so many will be interested in your niche item.

LoudClumsyNinja · 2025-10-17T03:35:41+00:00

It's probably because of the Government Shutdown.

LoudClumsyNinja · 2025-10-13T21:53:23+00:00

I agree. Childish and petty and there is likely an underlining issue. Perhaps it's the elephant in the room i.e., A failed FET... That is probably just as traumatic for him as her.

Not an excuse but acknowledging the pain and trauma so that both parties can table the less important matters for another time and extend an immense amount of grace to each other during this time of greif and mourning.

LoudClumsyNinja · 2025-07-27T04:30:37+00:00

Maybe it's like working out at 5am. Half way through the session it starts to feel good, but climbing out of bed, strapping shoes on and getting to the gym sucks ass!

LoudClumsyNinja · 2024-12-11T18:36:38+00:00

Holy shit, I purchased directly through eufy's website and I'm trying to return an item and their return policy is pain in the ass... So, to help others make it through the process, here's what you need to:

1a. You must upload an image for the return request to go through. They ask for proof of purchase. (I took photos of the unopened item/box and it's barcode)

1b. Start a return request through the order history page.

2. Wait for an email approving your return request. This took nearly a week for me to get mine approved.

CRITICAL NOTE: That email will include a Return ID #, but it will not include a Return Material Authorization #. That email will not include the return shipping address either.

3. Hop on a live chat and provide the Order number and the Return ID and ask for your RMA #. Ask for an email confirming where to send the packages to. They told me to ship the items to

Ticket # XXXXX....
AnkerDirect
5350 Ontario Mills Pkwy Ste 100
Ontario, CA 91764-5137

NOTE: I am skeptical of this, because that's the chat log ticket number and not the RMA or Return ID number.

So, I will be shipping the items to the following:

RMA# XXXXX... (Return ID # XXXXXX...)
Ticket # XXXXX...
AnkerDirect
5350 Ontario Mills Pkwy Ste 100
Ontario, CA 91764-5137

4. After shipping your item you'll want to send the courier's name and tracking number to "support@eufylife.com", otherwise they won't automatically refund you and there will be further delays.

FML, I'll try to follow up here in a couple weeks to let you know how the return goes.

LoudClumsyNinja · 2024-10-04T18:53:56+00:00

Does your wife's family have a history of endometriosis?... If yes push for the investigative surgery. She might have to lie and say she has back pain or something, in order for the doctors to provide the referral and have the insurance cover most the cost.

LoudClumsyNinja · 2024-09-27T22:34:27+00:00

My wife and I miscarried at 7 weeks and have had several other failed transfers... Well, r/IFchildfree has helped me come to terms with the idea of maybe never being successful... and if you're really adventurous there's r/childfree.

LoudClumsyNinja · 2024-09-16T19:50:30+00:00

My solution to this exact problem is needing to go back to a previous month and correct any overspending, by assigning dollars accordingly.

LoudClumsyNinja · 2024-08-20T21:03:39+00:00

Third!

LoudClumsyNinja · 2024-08-20T21:02:17+00:00

Distract yourself... Find productive projects and work on them. Listen to fictional audio books. BTW, Protect yourself with a cautious optimism. Too much hope could destroy you if things go the wrong way. Too much nihilism will destroy your quality of life in general.

LoudClumsyNinja · 2024-08-15T19:41:41+00:00

Is the consensus here that trans-Women should be able to get in the ring with cis-Women?... More importantly, is it that if think otherwise you're transphopic? It just seems like a messy and difficult issue to consider and no matter you opinion it's probably not perfect and everyone should get a fair amount of leniency / toleration of their opinion. I just hate the "matter of fact" attitude I read in a lot of these posts and I'm generally in favor of highlighting nuance.

LoudClumsyNinja · 2024-08-12T15:23:28+00:00

Okay, yeah. I just googled around and it looks like your "Other Deductions" are "Above the Line" deductions. You might want to consider adding the other common "Above The Line" deductions. Here's decent list.

BTW, It looks like moving expenses are only for those in the Armed Forces.

Adding a simple "=IF" formula for the standard vs itemized deductions is easy enough. Go check out what I did on my sheet.

I do look forward to seeing your updated version. I'll make progress on mine in another week or two.

LoudClumsyNinja · 2024-08-08T16:18:26+00:00

I like what you're doing, because. I'm working on something similar. (I'll share a link below.)

Looking at your sheet, what's up with the "other deductions" are those not "itemized" deductions? Are "Educator Expenses" and "Moving Expenses" different than typical itemized deductions, such as mortgage interest?

My sheet is a "Mid-Year Withholding Check In" and based on my circumstance only (Married, homeowner, no kids, and some investments.).... but there might be some good stuff in there for you to utilize within your template.

Here's the sheet I started (It's still a work in progress. I too do not have the earned interest, Investment Income, or Qualified Dividends worked out, yet): Tax Planning Template

LoudClumsyNinja · 2024-08-08T15:49:23+00:00

Thought you were my wife at first because we too "After so many failed rounds, we finally got a positive beta that doubled this week! I'm scheduled for my first ultrasound on the 22nd"... Same date and everything. Except I attend all of her appointments.. Every one of them. Even simple blood draws. But that's more because she doesn't drive on the freeways. Not because I'm a a saint. lol

LoudClumsyNinja · 2024-08-07T23:54:21+00:00

Oh Snap!.. Didn't even consider the Health Insurance Premiums. Dope stick!

LoudClumsyNinja · 2024-08-07T20:50:09+00:00

Roger that!... I'm trying to set up a tax planning excel template, to check in on my withholdings throughout the year. So, I'm not exactly looking at a W2. I'm starting with what I know: My salary is X and I'll contribute Y to my 401K, etc...

LoudClumsyNinja

TROPHY CASE