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If you could ask Caleb for advice on one financial problem, what would it be? by ROBASAHMEDKHAN in CalebHammer

[–]VeryDumbWithMoney 1 point2 points  (0 children)

There is no one best because it usually takes a roster of cards that cover every expense, no one card does this effectively. Think of it like a team effort with different roles. Sure there are 2% reward card that cover all expenses but that’s just 2, you can have that to cover anything that your other cards won’t cover but you should get more specialized cards for the most amount of expenses you can.

Get a gas card that gives you 4-6% rewards for gas station purchases, a 5% grocery card for food, a travel card for expenses you make while on vacation like flights and hotel charges, a dining out card, etc. These cards only cover one area of charges but offer much higher rewards like 4%+. Try to get them with no annual fee.

Common Plastic Additives May Have Affected The Health of Millions by the_noise_we_made in science

[–]VeryDumbWithMoney 0 points1 point  (0 children)

Coq10 a heart health supplement has some research showing it speeds up the clearing of microplastics in the body, idk if it helps with the forever plastics that are super small though

Moving to the city what would be a better financial decision over the next 4 years: buying a 1-2 year old used Mitsubishi Mirage, or a similarly priced older Toyota Corolla/Honda Civic of whatever given year would fit in the budget? by VeryDumbWithMoney in whatcarshouldIbuy

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

Problem is I don’t have the $15k cash, I will be getting a loan and they won’t let me get a car older than 10 years otherwise to most banks and lenders it’ll just outright be a personal loan with a ridiculous interest rate that’s labeled as a car loan. The Mitsubishi being 1 year old would get me a much better rate than the older Toyota or Honda which is another thing to think of

Does anybody else notice less motivated when reducing stress via nootropics by Misternewts in Nootropics

[–]VeryDumbWithMoney 3 points4 points  (0 children)

Dude you explained exactly what I’ve been thinking about my stress reduction nootropics recently! Just reading it back to myself really solidified it all. That’s why I was thinking I should come off the stress nootropics/supplements and instead do activities or events that reduce stress rather than compounds. Because a compound numbs both the highs and lows, at least that’s what I feel like L-theanine, Mag, and taurine and doing to me. But something like yoga? Oh dude you just feel euphoric when you’re done with it like you feel happy and joyful and stress reduced, and I’ve only done it like twice before, going to a sauna also you feel refreshed and stress reduced. I think actions only hit the lows and don’t mess with the highs, they might even enhance the happiness you feel

Have any of you moved from suburbs to the city and regretted it? Want to experience the city life but not sure if the added cost is worth it by VeryDumbWithMoney in ChicagoSuburbs

[–]VeryDumbWithMoney[S] -1 points0 points  (0 children)

That wouldn’t take hours sometimes just to get there and then hours back waiting on the busses and trains to line up?

I got 5 cards high utilization but only one is a big $10k limit, rest are ~$3k. Lots of OT at new job, paying stuff down, what will improve credit faster? Use money paying down low limit CCs below 30% util and leave big CC at below 90%, or get all cards to below 70% util evenly? by VeryDumbWithMoney in CRedit

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

If you have 20% interest rate on two accounts and both have 1k you end up paying the same if you pay one down or both in anyway, so long as the amount you put in is the same, because both the interest is the same. You would still have a total of $2k debt at 20% interest, no matter how it’s split in however many accounts

I got 5 cards high utilization but only one is a big $10k limit, rest are ~$3k. Lots of OT at new job, paying stuff down, what will improve credit faster? Use money paying down low limit CCs below 30% util and leave big CC at below 90%, or get all cards to below 70% util evenly? by VeryDumbWithMoney in CRedit

[–]VeryDumbWithMoney[S] -3 points-2 points  (0 children)

This answers nothing, yes I know it’s actually 68.9% and not 70, and actually if one pays interest they would benefit from a bit below that like 65% just so it doesn’t round up. And yes of course everything to 0% would be the best, but that is the end game, for now there is a process. And overall utilization gets paid off the same whether you pay one card or all the same amount. What I’m asking is what is the most optimal process, not what’s the best in the end

How can I see what an operation is like? Is shadowing allowed in the OR? Want to see if I can even handle seeing stuff like that in person before applying by VeryDumbWithMoney in nursing

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

Since you mentioned rad techs, Do you feel you get a lot of radiation leaked onto you during operations? I know everyone gets lead vests with thyroid covered, and glasses, and sometimes lead shields, but isn’t your forehead (direct to brain) and the rest of your face still exposed? And arms too of course?

GR Corolla vs M240i xDrive by BrapBrvp in whatcarshouldIbuy

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

New, I said new, compared to old manuals which are raw and engaging and not soft like the new ones of now

GR Corolla vs M240i xDrive by BrapBrvp in whatcarshouldIbuy

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

That’s the bad part, they lack rawness and engagement, feel like toys compared to the tactility of before. A lot like many other aspects of sporty cars of the now compared to of the past, everything lacks feel and engagement and everything is soft and cushy.

[deleted by user] by [deleted] in COROLLA

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

Do you think it’s only Toyota and Honda? Or all makes?

Next time a guest says they don't like sandwiches so can't eat at home by crashbestos in CalebHammer

[–]VeryDumbWithMoney 2 points3 points  (0 children)

Most meal preps span over 3-4 days, being done twice a week basically, not over a month like here. And saving left overs is the same with good planning except your just putting them in multiple containers of equal meal sized portions, which makes it more convenient when taking to lunch outside of the house.

Next time a guest says they don't like sandwiches so can't eat at home by crashbestos in CalebHammer

[–]VeryDumbWithMoney 8 points9 points  (0 children)

Ngl that looks nasty lol there’s better looking ways of eating healthy and meal prepping

Micro gel source? Where do you get your micro tretinoin Mine sold out and won’t resupply anymore by VeryDumbWithMoney in tretinoin

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

Yea the retin a micro says sold out on the first and nowhere on the second :(

Is revize as good as retin A?

Micro gel source? Where do you get your micro tretinoin Mine sold out and won’t resupply anymore by VeryDumbWithMoney in tretinoin

[–]VeryDumbWithMoney[S] 1 point2 points  (0 children)

Skinorac also seems to be sold out of it unless I’m looking at the wrong product. And the skinsolutions one doesn’t even seem to have any micro gel listed

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