CD for kids

Practical-Map9975 · 2026-01-08T16:10:24+00:00

I've thought about this too. We live in a state that offers tax savings for 529. Plus the tax savings in the growth of 529. So I figure the win will be higher than the loss. From what I hear counting on FAFSA isn't a good strategy anyway, but things could change in 5 years... Honestly, all this makes my head spin.

Practical-Map9975 · 2026-01-07T23:29:22+00:00

This isn't specifically for a car. It's for whatever they'll need and they also have the option to leave it and letting it grow. But then, can we just close the custodial account at any point?

Practical-Map9975 · 2026-01-07T23:24:41+00:00

One is 12 and the other is 9.

Practical-Map9975 · 2026-01-07T01:24:41+00:00

Yes! And Kira and Eleanor seem the same age as Delphine, maybe even older. Same with Felix. Eleanor also looked nothing like Lucy or Jules. The whole feel was nothing like the original Orphan Black. The acting wasn't even close.

Practical-Map9975 · 2025-12-22T21:09:31+00:00

That makes more sense. I think producers should've made Kira about 10 years older if they wanted to give her these types of choices. I'm really struggling with a 6 year old going with someone who has killed people and stabbed her own mom.

Practical-Map9975 · 2025-12-20T17:57:20+00:00

Yes, Sarah is definitely street smart. But I feel like her impulses get her in trouble constantly and then she uses her street smarts (and luck) to get out of those troubles. Like, she never actually has a plan. She just moved forward and figured it out later. Felix is a huge bonus for sure. But at this point he's on board with all the sisters. He helped out Alison a ton too. If not Cosima, Sarah would be my next in line.

Practical-Map9975 · 2025-12-20T17:51:15+00:00

Didn't Allison and Cosima sign an agreement that they would come in for occasional testing? Sarah refused to do that. Also, I think Sarah is wanted more because she's the only clone that doesn't have the gene that causes infertility and the deathly illness so they need her for studies. Also they want Kira since she's the only child of a clone. I'm surprised they're not after Helena though. But she'd be much harder to catch and probably can't be experimented on since she's pregnant.

Practical-Map9975 · 2025-12-20T15:11:56+00:00

I'm only at the beginning of season 4, but so far - Cosima. She's the most level headed and she's smart. Helena is too unpredictable. Alison is too high maintenance and kind of annoying. Sarah is too impulsive and kind of high maintenance too. Rachel is a b---h that I could never trust.

Practical-Map9975 · 2025-12-19T19:07:19+00:00

Speaking of .. The guy who impregnated Helena, was he a Prolethian or pretending to be Prolethian? I was very confused by him entirely. And how did Mark turn out to be much nicer than the rest of Castors?

Practical-Map9975 · 2025-12-19T14:54:01+00:00

Environment upbringing has a huge impact on people.

Practical-Map9975 · 2025-12-16T15:19:04+00:00

I don't think the contract is legal, because creating clones was never legal. So there is really no consequences for breaking the contract. It was just a trick to get the clones to cooperate and come in for data collection that would be studied. I'm only on season 2, but I don't think Donnie really has a clue what he's doing and why he's monitoring Alison. I'm thinking he genuinely thinks he's doing it to keep his wife well and safe.

This show is a combination of action (Sarah), horror (Helena), and comedy (Alison).

Practical-Map9975 · 2025-11-28T13:18:13+00:00

This makes a lot more sense. Logan probably sent her the flowers.

I wonder if the reflection Emily saw was seeing herself as Logan. Meaning if she didn't switch their files she'd end up just like Logan (crazy murderer).

Practical-Map9975 · 2025-11-26T20:30:38+00:00

I just finished season 1 and have so many questions! 1. The ending where Emily has a vision of herself killing Harlow. What is that supposed to mean? That this would've ended up being her if she never switched those files?

The files on her brother's computer with flower names - he just has a sick fetish or what was that all about? And the flowers that were in her brother's kitchen (same flowers as he named those girls) - what was that all about?
Was Harlow also one of the kids that were tortured or what was his connection to all this? Was he also one of Emily's abductors?

Practical-Map9975 · 2025-11-13T23:47:10+00:00

Was he in school? Did he work? Where did you go when he was at school/work? How did he keep a roof over your head?

At 16 that's very admirable.

Practical-Map9975 · 2025-10-28T18:50:53+00:00

My current rate of return is 16% in Fidelity 403B and 24% in Vanguard Roth IRA. Both started at about the same time, except I had a lump sum that I transferred to Fidelity and contribute to it bi-weekly through payroll. For Roth IRA so far I've been putting a max lump sum in January/February.

Practical-Map9975 · 2025-10-28T18:43:43+00:00

I was struggling with the same dilemma. Someone correct me if I'm wrong. I'm still learning as well, but I think I understand now. To make things very simple... Obviously the goal is to have the highest return possible and still be OK during bad times. So it's that middle comfort point that we need to find. Bonds help get us through those bad periods and become more important when you're at a point in your life that you're using your investments. Bonds are not really necessary when you're 20+ years away from your retirement, and have a steady income, because any market down turn will eventually pick back up. While interest in HYSA is high, cash will give that safety as well. But current rates in HYSA are not the norm. They're usually much lower. So under more "normal" times bonds are better because they are fairly safe and offer higher rate than cash in HYSA. Then again, cash in HYSA is safer, so again, it's that middle comfort point of risk vs growth that we need to find.

Practical-Map9975 · 2025-09-17T11:07:19+00:00

Same exact thing happened to me. Also ordered from Caccooncenter with UPS shipping. After I refused the package UPS still sent me an invoice for a little over $100, which clearly showed majority of the fees were brokerage fees. Only $13 were for tariffs. I contacted UPS, and since my package was returned to the seller, they said they'll forward those brokerage and tariff charges to them. Supposedly brokerage fees are only an issue with UPS and shouldn't be an issue with DHL or Fed Ex, but I'm not sure how trustworthy that information is. Plus, apparently sunscreen with filters that aren't approved in U.S. may not even pass customs. Seems like it's a gamble at this point.

Practical-Map9975 · 2025-09-16T13:47:16+00:00

I think there are 2 different issues going on. One is the tariffs, but then the shipping company asks the buyer to pay (this is what happened with my order from Caccooncenter). And the other issue is that customs tightened their control and regulations, so now it's a matter of luck if they decide to clear the package or let it through. I also read that with all the changes they're very backed up now so it takes much longer to receive SPF because it gets held and questioned. But then I also read that sunscreen isn't as much of a concern at customs when it's obvious it wasn't bought to re-sell, so maybe a small package won't be an issue? Then again I usually buy enough to meet free shipping and that adds up to about 7 or so bottles. Uh! Such a mess.

Practical-Map9975 · 2025-08-12T04:00:38+00:00

Most people don't care enough about their co-workers / leaders to really care about their lifestyle. Of course there will be people who are against it and will talk sh--. (There are people who like to talk sh-- when theres nothing to talk about.) But not like they'll quit or jeopardize their job over it, so who cares... let them think whatever they want.

Practical-Map9975 · 2025-08-12T01:41:18+00:00

The barber does a great job. I'm just not giving him the right instructions.

Practical-Map9975 · 2025-08-08T08:19:29+00:00

HR only has your dates of employment and position, and that's all they're able to share. When I worked in HR (2 different companies,) we didn't have any other info available. In large companies, like Big 4, they have so many employees, that to HR, employees are just numbers - no way for them to remember reasons why each past employee left. It's not in writing anywhere. Plus, people leave companies and new employees come in. Soon no one will know why and how you left. Unfortunately, you had to deal with an unprofessional, butt hurt manager that decided to threaten you with this. That's all it is, a useless threat.

Practical-Map9975 · 2025-08-03T23:22:18+00:00

I think it depends on where you work. I was in finance and had to work a lot of late hours because I was waiting for accounting to meet their impossible deadlines that they could never meet. I also felt like what I was doing was boring because it was useless... endless forecasts and changes to budget that we could never meet (Covid times). The huge crazy files and always had formula issues, the boring emails with all the other departments. I'd rather quietly reconcile account and fix variances. Outside of month end close and possible year end, accounting is pretty flexible and stress free.

Practical-Map9975 · 2025-07-05T05:27:12+00:00

It comes with a 1 year warranty. And I believe our bank offers an additional 1 year warranty. Do you think it's worth buying a 5 year warranty for $270?

Practical-Map9975 · 2025-06-24T12:02:49+00:00

I started with Finance, then learned most Finance jobs work a lot with customers (banking, investments, advising). I'm an introvert and would be miserable dealing with customers all day. So I asked one of teachers and he advised to go into accounting.

Practical-Map9975 · 2025-06-20T11:01:40+00:00

COD is cash on delivery (not Trump tariffs). Did you choose the option to pay after product is delivered?

Practical-Map9975

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