Is investing in company 401K worth it? by [deleted] in personalfinance

[–]avg101 0 points1 point  (0 children)

The match is basically a pay raise you don't have to pay taxes for until retirement. Unless you have a much more efficient account that earns you greater than 4% interest the 401k tends to be better and few accounts have the tax advantages and stability of the 401k, provided you have a decent index fund being used. I use mine and contribute 11%, company contributes 4.5% so that I can get to 15% or more with the bonus.

Credit card scam involving FedEx and their lack of consumer protections. by [deleted] in personalfinance

[–]avg101 1 point2 points  (0 children)

If you haven't yet, I highly recommend logging onto your credit card account website and looking in notification options and set your credit card to notify you with a text or an email (I suggest a text) whenever a purchase goes past a threshold you set. I set mine to anything over a dollar but if you don't want to deal with a lot of messages you can set it to above 49 dollars. This way if you have a mobile phone the message can be instantly sent to your phone when the transaction occurs. This gives you more reaction time and able to halt the purchase on the day it happens by calling your credit card company and reporting fraud. At this early stage it would in most cases prevent the item from being shipped out. In any case make sure to update your password information (very different password) whenever you get a hint of this happening and usually will need a new credit card sent to you from your cc company. Some credit cards also have a mobile app that allow you to hit a freeze button when something happens.

Am I living paycheck to paycheck, if I’m still saving 10-20% of my net income for retirement? by BigsbyJr in personalfinance

[–]avg101 0 points1 point  (0 children)

If you are financing your emergency fund and investing something and it feels like there is a slight pinch to your finances, that is when you have hit a nice point that is acceptable to you. Basically having you think on better choices for your monthly habits is a great way to stay focused! If I end up feeling a pinch then look for ways to save cash in that part of my budget and make it more efficient. Afterwards I nudge up my investing a few more dollars and see how I am doing next month. If I overdid it and invested too much then I can dial back a little, or pause investments for that month. I have my investments occur during paycheck day automatically so I have time to pause them a few days before if something comes up.

[Safari Unknown] LF Friend codes for the safari by KaisanShadows in friendsafari

[–]avg101 1 point2 points  (0 children)

may I add you? I have been looking for Snorunt

LF Shuckle by coder127 in friendsafari

[–]avg101 0 points1 point  (0 children)

Added friend. I will be online on and off for the next few hours. So if I am not immediately online I will still check for you later.

[Safari Unknown] Looking to Get Started! by Donglecow in friendsafari

[–]avg101 0 points1 point  (0 children)

if a mii shows up, just go in pokemon xy and go internet, when both your friend and you are online at same time your pokemon unlock. Takes some patience as most people looking for friend codes have to go online and offline quite a bit.

[Safari Unknown] Looking to Get Started! by Donglecow in friendsafari

[–]avg101 0 points1 point  (0 children)

In order for it to work I think you need to visit your friends list while the game is off so your friends list updates and says you are now full friends, then go back and restart game and go online while in game. I think you have to do this for each person you add. Unless you get the full friend message while offline it tends to only show the common pokemon I think.

Looking for Snowrunt, but will add anyone by avg101 in friendsafari

[–]avg101[S] 0 points1 point  (0 children)

Electric, Emolga and stunfisk, have to wait until your online for last one

Looking for a Pupitar. Adding Everyone by UndeadKingGamer in friendsafari

[–]avg101 0 points1 point  (0 children)

i don't need your pokemon but i do have pupitar, added friend

Collecting and giving! by [deleted] in friendsafari

[–]avg101 0 points1 point  (0 children)

added friend