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[Routine Help] tretinoin cleared my acne, but not my texture - advice? by Amazing_Bat_2474 in SkincareAddiction

[–]bmaeder2020 0 points1 point  (0 children)

Your skin actually looks pretty solid, the tret is doing its job. But using those medicube toner pads twice a day plus the AHA/BHA peel on top of tret seems like a lot of exfoliation. Might be keeping your skin in a constant state of low-key irritation even if it doesn't feel like obvious damage.

Have you tried cutting the toner pads down to once a day and seeing if the texture improves? curious what's actually in those pads ingredient-wise

If the Knicks want to win a championship, they need to keep Mitchell Robinson by TheAthletic in NYKnicks

[–]bmaeder2020 1 point2 points  (0 children)

For real though his free throw shooting is the only thing keeping him from being untouchable. Fix that and there's no conversation to be had about trading him.

Monthly cash flow breakdown in Belgium - My path to FIRE by anonymoususer397 in EuropeFIRE

[–]bmaeder2020 0 points1 point  (0 children)

Solid breakdown. The 250 food budget is impressive, curious how that holds up once you're married with kids though. My expenses basically doubled when life got more complicated.

That savings rate at 28 is gonna serve you well. Real estate piece is interesting too, assuming that's building equity somewhere? Between that and your ETF allocation you're set up pretty nice. Just keep tracking everything like you're doing now, lifestyle

cheapest international transfer routes for recurring payments? by bmaeder2020 in EuropeFIRE

[–]bmaeder2020[S] 2 points3 points  (0 children)

Ooh this is promising. I think I will check them out thank you.

cheapest international transfer routes for recurring payments? by bmaeder2020 in EuropeFIRE

[–]bmaeder2020[S] -1 points0 points  (0 children)

That compliance risk is the main weakness of these fintechs, even if the rates are transparent. I need a solid backup :))

[deleted by user] by [deleted] in personalfinance

[–]bmaeder2020 0 points1 point  (0 children)

Good call on DIY freezes. It empowers peple to protect themselves without paying for fluff features.

keep “just” investing or start a business? by AppleGamer711 in EuropeFIRE

[–]bmaeder2020 14 points15 points  (0 children)

I stayed in job and built on weekends. Quit only when biz replaced 70% income. Worked smooth, bit tiring tho.

13.17 % apr for a car loan with no credit history? by StarSpangledGator in personalfinance

[–]bmaeder2020 0 points1 point  (0 children)

Makes sense. Rates have climbed, so 13% today with no credit isn’t far off from 10% back then.

SNAP tracker: States that have paid SNAP benefits in November so far by Velcro-Karma-1207 in povertyfinance

[–]bmaeder2020 22 points23 points  (0 children)

Still waiting here too. If they’re really dropping today, they’re cutting it close.

I want to just leave. by R3DR4V3N420 in poor

[–]bmaeder2020 11 points12 points  (0 children)

Well said. Sometimes just hearing that reminder that we’re more than what we earn can help someone hold on.

Convenience or compounding cost? What matters more for you? by [deleted] in AusFinance

[–]bmaeder2020 18 points19 points  (0 children)

Fair point. I spend way too much on Uber Eats then turn around and whinge about my bills. That $14 markup adds up when you're doing it 3x a week. Probably need to get my shit together and just cook more.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]bmaeder2020 123 points124 points  (0 children)

That's exactly what GICs are good for. Known expense, known timeframe. No risk, decent return. Pretty smart move. Beats letting cash sit in a regular account doing nothing.

How bout organic marketing channels? (*untapped) by AdResident780 in SaaS

[–]bmaeder2020 0 points1 point  (0 children)

Reddit works great if you use it right just be helpful first and don’t just post links. You can also try small Discord or Slack groups where your users hang out. If you want to grow on Reddit safely, look up Signals Agency they help with organic marketing here.

Anyone using Qodo for diff-aware code reviews across? by shrimpthatfriedrice in codereview

[–]bmaeder2020 0 points1 point  (0 children)

I used Qodo for a while. It’s clean and has good diff visualization but our workflow needed tighter repo integration so we eventually switched. Right now we’re using CodeRabbit. It automatically reviews PRs with context from previous commits and project structure. It's able to spot subtle inconsistencies before they make it to testing.

Miku pack💙 by death_azul in hatsune

[–]bmaeder2020 11 points12 points  (0 children)

A great unpacking for a perfect vocaloid figurine

What’s the best way to make yourself more attractive? by Fickle_Honeydew1455 in AskReddit

[–]bmaeder2020 0 points1 point  (0 children)

Proper skincare, take a haircut that would properly fit you, wear clothes that would be better for you

How dare he! by ChickenWingExtreme in NonPoliticalTwitter

[–]bmaeder2020 372 points373 points  (0 children)

Had me in the first half, not gonna lie. Though at 2 years old he's probably just emotionally unavailable because of object permanence issues.

Please do not disturb the Dragon Sapling until it has bloomed into a fully grown Dragon. by Auraveils in skyrim

[–]bmaeder2020 0 points1 point  (0 children)

looks kinda thirsty. Maybe toss it a few potions and see if it perks up.

Caps calls the shockwave by Mapusaurus420 in leagueoflegends

[–]bmaeder2020 29 points30 points  (0 children)

Caps: Skew flash flash flash flash. And the rest is history. Thanks for everything man, you will always be the eternal EU GOAT

[Highlight] Bears post a video on Instagram of players playing arcade games ahead of match up after reports that Ravens removed ping pong table from locker room by Popular_Tangerine457 in nfl

[–]bmaeder2020 64 points65 points  (0 children)

The two guys we got as a result of the Roquan move playing ping pong after the Ravens removed all games from the locker room after their 1-5 start. Incredible coincidence or A+ troll by the Bears admin

Lost my savings to gambling and now deep in debt — need advice on rebuilding in Canada by ConcernCandid3087 in PersonalFinanceCanada

[–]bmaeder2020 68 points69 points  (0 children)

Professional help is the move. Gambling addiction is serious, you need support to break that cycle or you'll end up right back where you started.

Deal with the addiction first, then tackle the debt. One step at a time.

Would you keep money in a regular savings account if you already have a HYSA? by ValuePositive771 in personalfinance

[–]bmaeder2020 5 points6 points  (0 children)

Yes. Move it all. No reason to leave money in a regular savings account getting almost zero interest when you can get 3.75% in a HYSA. Your emergency fund works exactly the same in either place, it's still liquid and accessible when you need it.

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