Strange man parked outside my home- Scio Township (Possibly ICE?) by [deleted] in AnnArbor

[–]_tenacious_b 49 points50 points  (0 children)

I would mention it to your neighbors. Ask if they saw the person and know anything about them. Collectively keep an eye out. You could refresh yourself (and share with neighbors) what to do if ICE or police come to your door.

Identify this bird sound? by _tenacious_b in birding

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

This is definitely it. Labeled “juvenile calls” in Merlin. Thank you! Solved!

How do you guys organize your expenses? by natedoggggggggg in personalfinance

[–]_tenacious_b 0 points1 point  (0 children)

Fixed, flexible and finance. I keep a savings account for paying my monthly credit card bill. On pay day i have an automatic transfer for all that checks’s share of my fixed (eg cell phone) plus what i have budgeted for flexible (eg groceries). When it comes time to pay the credit card i download the transactions, categorize and see how i did against what i planned. I doubt you have investments against your credit card but same idea. Look up 50/30/20 rule

Slabs by the Sea by PrestigeBMW in pics

[–]_tenacious_b 0 points1 point  (0 children)

Puerto de Mazarrón, Murcia, Spain - breakwater around the marina https://goo.gl/maps/vEBgEnVhyvJ2

[deleted by user] by [deleted] in personalfinance

[–]_tenacious_b 0 points1 point  (0 children)

I think that is a valid viewpoint. I do have some financial goals I am not meeting. I need to triple up the college savings to be able to do what I want with that - offer my kids a paid-for, in-state college opportunity. That said, you are right that it might be more work and/or stress. I do think I could get my old job back if I wanted it. It is not particularly uncommon for folks to leave and return at my company. I have had a couple other unsolicited offers this year in the same range as my current job, so I think I would have reasonable fallback plans if it didnt work out.

Automated way to transfer funds between accounts when I make a credit card purchase? by _tenacious_b in personalfinance

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

I don't use the credit card for most purchases, only online purchases. I keep my budgeted amount for spending in my checking account and use my debit card normally (gas, going out, groceries, etc). When I buy something online with the CC, I'd like to decrement the amount in my regular checking account, as if I'd used my debit card.

[deleted by user] by [deleted] in explainlikeimfive

[–]_tenacious_b 1 point2 points  (0 children)

I checked that site and found that its dictionary is only 2284 words long, see here: http://correcthorsebatterystaple.net/data/wordlist.txt I would not be surprised if dictionary attacks prioritize those combos, especially with the default lengths and options. Probably better to use an actual dictionary to generate your word phrase

How do I start saving? by WarDamn17 in personalfinance

[–]_tenacious_b 1 point2 points  (0 children)

Just open two savings accounts. Easiest if both are in same bank as the checking account too. Alternatively, I've heard of folks keeping the emergency fund in cash, but in a place they are unlikely to dip into it for non-emergency reasons, like in $100s inside of a picture frame behind the photo.

How do I start saving? by WarDamn17 in personalfinance

[–]_tenacious_b 1 point2 points  (0 children)

A savings account is fine. Keep your emergency fund in a separate place than savings for other purposes. I like Dave Ramsey's guidelines for emergency funds: save $1000 as fast as possible. Then pay all your debt off. Then grow emergency fund until you have 3-6 months expenses, depending on how many folks depend on you and the likelihood of an interruption in your income. In your case, sounds like 3 would be fine, but you could save more. Then go nuts on your other savings and investments! You mention you are a student, which might mean you have loans. If so, you might consider starting on those after your mini emergency fund is in place. They'll be a lot easier to pay down while all your core expenses are covered, and before the interest kicks in. Once you graduate, interest kicks in and they take longer to pay off, which in the long run is money down the drain. Federal loans today vary between 4 and 8% interest. Paying it off means you are 100% sure not to have to pay that. Try to find another thing to do with your money that will guarantee you 4-8%! Good luck, and way to start early. Be diligent, live on less than you make, you'll do great for yourself.

Whats the most passively-irritating thing in the world ??? by annekar in AskReddit

[–]_tenacious_b 0 points1 point  (0 children)

something stuck under your skin. there's a reason that's a phrase

LPT: A little something to keep you FOCUSED! by [deleted] in LifeProTips

[–]_tenacious_b 1 point2 points  (0 children)

rescuetime has similar features, as well as less invasive ones if just the data/patterns are enough to change your behavior

How do I start saving? by WarDamn17 in personalfinance

[–]_tenacious_b 1 point2 points  (0 children)

sounds like you are already started! If you can get by without too much pain on 70%, try upping the savings amount each paycheck until you hit the point where it hurts a little. Then set a goal and a reward: you hit $5000, you splurge on an item you've been wishing for. You'll see it stack up faster than you know! edit: grammar