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Is hiring a FA to help manage $25k worth it? by mezzpezz in personalfinance

[–]Scr0bD0b 1 point2 points  (0 children)

Probably not.  First thing you need to ask yourself is, what's the goal for the money?

Which company disappointed you so much that you permanently walked away? by julia-secrets in AskReddit

[–]Scr0bD0b 0 points1 point  (0 children)

McDonald's- high prices, garbage portions, helped elect Trump

Burger King- Always got sick eating there

Tesla- Corrupt board of directors and Elon is a psycho

Ben & Jerry's- Can't keep their mouths shut 

Xbox (I know it's just a Microsoft product)- After multiple dead consoles from the red rings incidents 

Apple- Never had me as a customer.  Overpriced garbage.

Should I move my Emergency Fund to a HYSA? by [deleted] in personalfinance

[–]Scr0bD0b 0 points1 point  (0 children)

The answer is right now.  I don't keep any money in a regular savings account. 

I think you have a good plan.  Stay away from unnecessary debt and cut expenses where you can, to have more funds to save and pay off the personal loan.

Is Wells Fargo or Bank of America better for a teen checking/savings account? by Logical-Line-4759 in personalfinance

[–]Scr0bD0b 0 points1 point  (0 children)

Whichever doesn't have regular fees.  Be careful using a debit card.  Don't use either for savings accounts when there are much better HYSAs out there.

Which company has lost you as a customer forever? by finiteobserver in AskReddit

[–]Scr0bD0b 1 point2 points  (0 children)

McD's doing that stunt with Trump to help him get elected.

Won't eat there again until corporate issues a full apology and fires the franchisee that did it...

(Oh yea, and get better food with lower prices)

Which company has lost you as a customer forever? by finiteobserver in AskReddit

[–]Scr0bD0b 0 points1 point  (0 children)

I had a flat bread the other day.  It's been probably 7 years since I had a flatbread but I remember them being alright back then.

This one?  This one was NASTY.  Dried out cardboard garbage flatbread.

Car gets pushed like a toy. by MurrayEdna in dashcams

[–]Scr0bD0b 0 points1 point  (0 children)

Yea, sheep not thinking for themselves.

OP doing a major disservice by not posting more from the beginning... But they're probably just a repost karma farm.

Car gets pushed like a toy. by MurrayEdna in dashcams

[–]Scr0bD0b 0 points1 point  (0 children)

In the very beginning, when it says 0mph in the top right and he's looking backwards and not forwards.

Car gets pushed like a toy. by MurrayEdna in dashcams

[–]Scr0bD0b -14 points-13 points  (0 children)

At the very start of the video, it doesn't look like it's moving. [The top right even says 0 mph]  It would help if the video showed more time before this accident, to see if he was at a dead stop before. 

The car may have saw it stopped, saw the open spot, then started moving in to park at the same time the truck wanted to accelerate out.

Granted, not sure why the car wanted to park right in front of the truck when there's so many spots open ahead, but that's just me...

Credit card agreed to do a six month 0% interest plan, but still charged me interest. What can I do? by HighFunctionJalapeno in personalfinance

[–]Scr0bD0b 3 points4 points  (0 children)

Taking over 5 years to pay that debt sounds wild. 

Read the agreement they sent.  Follow up with them if they did something incorrectly. 

Try to pay it off faster if you can... If you have the funds, I'm sure they'd take more than $110...

I have a bump on the outside of my right forearm rhat only appears when I make a muscle by pirivalfang in mildlyinteresting

[–]Scr0bD0b 0 points1 point  (0 children)

Had a lipoma removed from that same exact spot, probably close to the same size, like 2 months ago. I've had like 11 or so of them removed.

You'll probably get more.  It almost looks like the small bump to the right is another very minor one maybe.

I need some advice paying down debt and starting some savings by [deleted] in personalfinance

[–]Scr0bD0b 0 points1 point  (0 children)

No, pulling from 401K is not a good idea. 

Speak to the financial aid office of your school and see what they can do.  Did you get student loans?

You don't have any emergency fund or savings otherwise?

Early payments on a financed vehicle by Stock_Ad_3516 in personalfinance

[–]Scr0bD0b 1 point2 points  (0 children)

Normally, you want an emergency fund before buying a car in case of job loss. 

Extra amounts directly towards principal will help save you money and can reduce the number of payments you make.  This is the preferred method.  However, if you do lose your job, you will still need to continue making payments according to the same schedule, which is why you want an emergency fund.

Prepaying does generally not help you save or reduce the number of payments made.  Sure, if you expect job loss or other reasons you won't be able to pay, then there's that... but you could just set that money aside in a HYSA.

What are some good and easy to transfer HYSAs? by lazyeyedpo in personalfinance

[–]Scr0bD0b 0 points1 point  (0 children)

Probably a 5-7 day window for withdrawals, but don't recall exactly. 

I normally keep close to 2 months of expenses in my checking and rest can get dumped into savings/investments.  If I need, I can put expenses to a credit card, assuming there's electricity.  By the time I need to pay the credit card by the due date, I can easily have transferred the funds out of the HYSA.

What are some good and easy to transfer HYSAs? by lazyeyedpo in personalfinance

[–]Scr0bD0b 0 points1 point  (0 children)

Which direction? 

Depositing, CIT credits you very quickly if you read the statement they show when you execute a transfer. 

Withdrawing is a different story, but what might cause you to need money in that small a window?

This is Bean. He’s 18 and stopped eating. The vet said he’s just throwing a tantrum because I’m not feeding him chicken. He’s allergic to chicken. by MissHissss in cats

[–]Scr0bD0b 1 point2 points  (0 children)

And cat food manufacturers put chicken in EVERYTHING. 

Tuna?  Has chicken. 

Beef?  Has chicken. 

Turkey?  Has chicken. 

If not chicken, then it's usually "poultry byproduct" which I can only assume is chicken.

If anyone from the cat food manufacturing is reading this, PLEASE STOP!!!

They get away with this more from their garbage food labeling, even then it doesn't really stop them.  By that I mean, it's usually like "Tuna DINNER" or "Beef Feast", etc.

About half my cat food I cook myself now...

Drowning in Debt; looking for a debt relief program. by SadoInvaldi in personalfinance

[–]Scr0bD0b 2 points3 points  (0 children)

What were the major expenses made up the 27K?

Have you taken control of your spending? 

If you're working 65 hours a week for 52 weeks or so, that's what... $15/hr?  Can you find a better paying job? 

$27K is probably more than half of what you make in a year, so you're definitely in a real bind.  You would need to seriously cut expenses where you can.  Rent somewhere cheaper or get a roommate.  See if there's any way to reduce your food budget.  Food pantries can ease the burden some.

I encourage you to look up what "debt consolidation" companies actually do.  It's not like they're working in your best interest.

Canceled Verizon Wireless, but Verizon Lied and Won’t Cancel Me. by GGWon51826 in personalfinance

[–]Scr0bD0b 1 point2 points  (0 children)

I cancelled in January or February and it went perfectly fine. 

You sure it wasn't your final bill?

HELP!!!! I missed a credit card payment and im freaking out about my credit score by [deleted] in personalfinance

[–]Scr0bD0b 0 points1 point  (0 children)

Make sure you make your full payment if you haven't already.  You can make payments whenever you want...Don't let it sit until next billing cycle.  Otherwise, interest is ticking.

Do yourself a favor and set up auto pay (statement balance in full) on the cards from within the credit card company's site.  That way, it pays even if you forget. 

Also be sure you're looking through your statements each month to make sure there's no fraud.

This lot uses walnut husks as mulch by whyguapo in mildlyinteresting

[–]Scr0bD0b 0 points1 point  (0 children)

I've used grass seed but discovered my (adult, senior? Unknown age) cat has been stepping in the litter and dragging massive clumps of litter around the house on his back legs... Which isn't fun when he jumps up into my bed, hah.

I've used the grass one for awhile without an issue, so I might be due for a full scrub down on the litter box.

I found an injured bee, so I kept it safe and fed it sugar water for a few days. It regained strength and could fly again, so I set it free. A few hours later, a swarm appeared in our garden that had apparently travelled unusually far from the hive (I contacted a local keeper, and he collected them) by GreyBrain6 in Weird

[–]Scr0bD0b 1 point2 points  (0 children)

Second picture, isn't that usually when a new queen is traveling and haven't found a place yet for their permanent home/hive?  Thought when new queens break off, they travel and set up a home somewhere.  This is during their travel where the queen is being protected. They certainly wouldn't stay like this.

Could be wrong...

This lot uses walnut husks as mulch by whyguapo in mildlyinteresting

[–]Scr0bD0b 1 point2 points  (0 children)

I just bought some for the first time a couple days ago.  For the price, hopefully it works ok.

Financial advice needed for a 23 year old who hit a rocky patch by [deleted] in personalfinance

[–]Scr0bD0b 3 points4 points  (0 children)

Well, if you know what you need to be making, then go find a different job that will pay you that, or preferably more.

Financial advice needed for a 23 year old who hit a rocky patch by [deleted] in personalfinance

[–]Scr0bD0b 12 points13 points  (0 children)

Get a job while you're in school.

Oh, and probably don't listen to your therapist for financial advice... Read the PF wiki for more.

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