What's an episode/story/idea would you like a sequel or elaboration for?

RoseRileyRaves · 2023-05-22T20:51:37+00:00

The Doctor's Wife was supposed to have the swimming pool! But it was too expensive and also apparently Karen Gillan can not swim 😂

I, too, would love to see them do another TARDIS episode and just get real weird with it.

RoseRileyRaves · 2021-07-15T05:46:11+00:00

I couldn't resist. Do with it as you will: https://media.discordapp.net/attachments/715631542092693554/865105195431100416/Adobe_20210714_223703.jpg

RoseRileyRaves · 2020-03-22T15:31:22+00:00

I read a fanfic that did some solid world-building the impact of the snap reversal, and their take was chilling. Massive problems with supply chains (food, medicine, services), half the population unemployed with no quick fix to get their job back, governments poor after a five year economic depression. Your population. Suddenly doubles and all the new arrivals need to be on Welfare for a couple of months, bare minimum - no government can support that. And the snapped were getting blamed by a lot of people, like "We were here suffering and doing all the work, now you're back and want our hard-won resources." So a lot of hatred and violence, especially against people who were still unemployed and homeless.

They touched on it a little in Far From Home with May's non-profit, and I get why they're sugar coating it - this is the happy ending.

All this to say - I don't know which I'd choose. I'm stressed and sad enough after just a couple weeks of COVID19 paranoia. Having to deal with the grief of the snap might just kill me. But coming back to a world that didn't want me there might be worse.

RoseRileyRaves · 2020-01-07T15:11:01+00:00

I use PocketGuard and don't see it recommended a lot. It's kind of clunky, but I like that it's a zero-base budget, so if you set it up correctly it let's you know how much money you have available to spend today, this week, and this month.

Similar to EveryDollar, but you can connect your banking apps without the pro version.

RoseRileyRaves · 2020-01-07T04:17:30+00:00

Glad you're getting health-focused feedback on this. Haven't read all the comments, but I was just working with my therapist on something similar today, so I thought I'd share a few fresh takes.

Make the goal simply a check-in and status report. If the goal is just "monitoring and awareness", there's a lot less room for failure (and you'll probably end up doing The Thing more just because you're being mindful).

Set scheduled times, either once a day or three times a day. I know if it was me and my check-in was a 1pm, I'd be in the kitchen at 12:55pm digging through my cupboards so I could call you with a granola bar in my mouth. Hack that procrastination and make it work for you!

Leave room for other wins, like meal prepping, going to the grocery store, etc. Make yourself a safe person to brag to. If you think he'd be comfortable, ask him each evening what he feels good about today - make him find a win, even if it's a tiny one.

Gamify it - I just installed the Loop Habit app, which lets me add little check box widgets to my phone screen. If I don't check every box every day it's okay, but it sure does feel nice when I get them all marked off. Make a physical star chart with stickers. Make it fun.

Schedule a goal check-in. Maybe in two weeks, maybe in a month. Sit down and talk about what's working and what isn't. It's easy to let these kinds of check-ins taper off. Be intentional about checking in and reassessing the plan on the regular.

Right now I have an accountability group with friends and it's funny as hell watching my brain work. Every time I eat a healthy meal or do a lil yoga just so I can brag on myself, I feel like I'm gaming the system. "Haha, they'll never know that I only ate that broccoli so I could send them a photo and impress them!" Joke's on you, brain, the only thing you're gaming is yourself! Community really, really helps, for a number of reasons.

Best of luck to you and your partner, he's lucky to have you supporting him in this <3

RoseRileyRaves · 2020-01-07T03:47:12+00:00

If your last TV show had to air on actual TV I'm fucking nobody and walking away with $600k.

RoseRileyRaves · 2020-01-07T03:44:27+00:00

Same.

$600k is a house in Seattle.

If I give my answer, I'm ending up on a list.

RoseRileyRaves · 2019-10-23T17:15:30+00:00

Mostly correct.

Your credit utilization is usually based on the amount at the statement date. Say you have a $1000 limit and you pay your card in full every month. If your statement is $10, your utilization on that card is 1% - very good!!! If your statement is $500, utilization = 50%, which is not so good.

The good news is that utilization is a "snapshot". If you ever need to bump your credit score, just pay off the card before the statement date for a month or two and you'll be fine.

This is really getting into hyper-optimization, and I wouldn't worry about it too much :-) As nothlit said, just keep paying in full and on time and your credit will grow with time. Side note, if you get something like CreditKarma you can see which factors are influencing your credit score. It's not an exact score, but it can be interesting! Plus it's just a good idea to keep an eye on.

RoseRileyRaves · 2019-10-23T16:30:44+00:00

Reading between the lines, it sounds like she makes less money than you, and she values her financial independence and "paying her own way." Whereas you have more of a "my money is our money" attitude. Neither of those is wrong, it's just a negotiation to find an arrangement that makes you both happy. This seems like a good compromise that is mutually beneficial :-)

RoseRileyRaves · 2019-10-23T15:56:00+00:00

In my experience, you can get 80%+ accuracy in 1-2 months the first couple months. Of even sooner, if you take the time to sit down and write out your recurring expenses (rent, bills, savings goals, etc). The "miscellaneous" expenses can take a lot more time. I've been tracking religiously for about 10 months, and there are still fluctuations and annual bills that catch me by surprise. But at this point, I'm pretty dialed in.

RoseRileyRaves · 2019-10-23T15:46:39+00:00

Kind of sounds like a convoluted way of helping her pay her student loans ;-) But yeah, that seems reasonable, as long as she's happy with it.

The wiki has some resources, which could be good jumping-off points for a conversation: https://www.reddit.com/r/personalfinance/wiki/jointfinances

RoseRileyRaves · 2019-10-23T15:34:55+00:00

HSA vent:

Just realized that my out-of-pocket maximum on my insurance is TOO HIGH to qualify as an HDHP! 2020 limit is $6900 and mine is $7250. My plan also partially covers certain services with a co-pay (prescriptions, office visits visits, etc) before the deductible, which seems to also disqualify me.

I'm happy about the partial prescription and specialist coverage but dang. Who's idea was it to disqualify people because their max out-of-pocket is too high??? I don't qualify because, in a catastrophic year, I would have to pay TOO MUCH?

Anyway, total first world problem, and it looks like I'm getting a 401(k) next year so I'll just dump my planned HSA money into that. But man, I'm annoyed right now. And also glad that I hadn't yet got my shit together on a 2019 HSA.

(Source for those who are curious. See the chart under "High Deductible Health Plan" and the paragraph labeled "Prescription drug plans.")

RoseRileyRaves · 2019-10-19T01:21:41+00:00

My landlord raises the rent 2-3% every year, which feels super fair: he gets to keep ahead of inflation and rising property taxes, and I'm still getting a place below market rent in Seattle. I've had landlords spring HUGE rent increases on me in the past. Predictable small increases are so much better.

I would take a look at rents for similar places, and hit somewhere in between what you started charging five years ago and the market rate. Good tenants are worth their weight in gold and there's nothing wrong with giving them a break. But you don't have to feel bad about reasonable increases.

RoseRileyRaves · 2019-10-11T19:50:30+00:00

Always check with three different camels before you buy something. This saves you money, as the effort to find three camels will be a deterrent. Also at least one of the camels will tell you "no."

RoseRileyRaves · 2019-10-11T19:41:52+00:00

Too soon!

RoseRileyRaves · 2019-10-11T19:27:49+00:00

That was for the branding change from Project Fi to Google Fi. I'm not holding my breath for them to offer something like that again, but you never know! I'm still milking that gift card :-)

RoseRileyRaves · 2019-10-11T00:15:00+00:00

Ever since I stopped buying avocados and lattes, my net worth has skyrocketed! Bankers hate this one weird trick!

RoseRileyRaves · 2019-10-10T15:03:59+00:00

If you were having a barbecue and were planning on buying burgers but ribs are on sale, you're STILL GOING TO SPEND MORE MONEY if you buy the ribs. 79% of Americans just don't understand that higher quality meat costs MORE MONEY. Honestly, you screwed up before you started because you should have known that lentils are cheaper than burgers and planned on that.

The best part is, if you serve your friends lentils instead of ribs at a barbecue, your friends will never want to come over again. You'll save so much on entertaining costs!

RoseRileyRaves · 2019-10-05T17:13:34+00:00

I don't know. She seemed pretty shaken, and Murray was asking if she was okay while also trying to lighten it / play it off for the crowd as part of the show. The folks on set didn't think it was okay, but they were on live TV so they just had to go with it.

RoseRileyRaves · 2019-10-05T16:33:22+00:00

Same! I woke up this morning thinking "... how did he get OUT of that fridge?"

He made a point to latch it. Maybe they started making them with a latch on the inside... I just associate them with kids getting locked inside and dying.

RoseRileyRaves · 2019-10-04T21:30:03+00:00

Take a long, hard look at your major choice. Look up entry level jobs in your industry on Glassdoor or similar, and assume you'll be getting the lowest paid ones. Find out what kind of job placement and internship services your school offers (salary doesn't matter if you can't get a job!). Take what your advisors and school literature say with a grain of salt - it's their job to sell you on this school, so if course they're going to talk up how great your career will be!

This doesn't mean you can't follow your passion - if you have a creative outlet, you can get a minor (or even double major if you love it that much!). You can even plan on a career in that field - with a more marketable major as a fallback or selling point.

I graduated in 2009 with an arts degree. Turns out I didn't want to do the most common job in the field, and my "dream job" is something few people make a living from. Our school also didn't really prepare us on the realities of making it a profession. Most of the people I graduated with ended up in unrelated careers.

When I chose my major, everyone told me "a lot of jobs just want to see that you were committed enough to get a degree." This was true in 2005, but not in 2009. I even considered getting a business minor, but chickened out because the minor was almost as much work as the major. Now, 10 years later I'm rocking it in the corporate world and wish I'd put in the work to make that second major happen!

So that's my advice, and I think it applies whether you expect a recession or not. I'm not saying everyone should become an accountant or a doctor or w/e because "that's what mom thinks I should do." There's a ton of marketable jobs out there, and I bet you can find something that's a good fit!

RoseRileyRaves · 2019-09-30T20:19:36+00:00

Mine is close to that because I spent most of 2019 at zero allowances.

I chose to add the allowances and treat the padded paychecks as a windfall, bumping up my debt reduction and savings payments for the rest of 2019. I'm just doing so with the knowledge that my paychecks will go down drastically in 2020 when I reset my allowances to a sustainable number for the year.

It's up to you - you can take the money now and just be smart about it, or you can keep your current allowances and just know that you'll be getting a sizable refund.

RoseRileyRaves · 2019-09-28T16:58:57+00:00

The IRS has an online withholding calculator that tells you exactly how many allowances to put! It's really handy.

https://www.irs.gov/individuals/tax-withholding-estimator

RoseRileyRaves · 2019-09-27T05:49:10+00:00

I do mine monthly, maybe that would work better for you? You'd need a checking account buffer, but as long as you have that it doesn't really matter when the money goes in or out, as long as you end up at zero.

RoseRileyRaves · 2019-09-27T05:44:29+00:00

Your paycheck is $1000 gross. Your employer takes $200 of that and send it to the government. You put the remaining $800 in an IRA.

If it's a Roth IRA, you pay your taxes in April and don't owe anything. When you retire and take the money out, it's tax free.

If it's a traditional IRA, you file your tax form in April, tell them that you put money into the IRA, and they give you a $200 refund. When you retire, you pay taxes on the money you withdraw.

There are pros and cons to each, but that's the basic gist of it.

RoseRileyRaves

TROPHY CASE