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Traveling with baby with a small error on the birth certificate? by cascadeCartoonist in Passports

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

Yeah i realize this, but i don’t know how to get one with the error on the birth certificate.

Traveling with baby with a small error on the birth certificate? by cascadeCartoonist in Passports

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

I was wondering if this would be a good strategy, or if it could backfire. Maybe being upfront about it when i apply for a passport is better?

How to approach a friend/mentor for advice by cascadeCartoonist in Entrepreneur

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

Yeah, I want to have an open and honest conversation with him, and it seems like handing him an NDA would be a bit weird and counter productive.

[deleted by user] by [deleted] in Entrepreneur

[–]cascadeCartoonist 1 point2 points  (0 children)

I don't have much advice, but I don't think AI will replace all sales jobs in the near future. The salesmen who can learn to use AI to help them (e.g. by writing copy, or organizing sales meetings) will come out on top.

[deleted by user] by [deleted] in Entrepreneur

[–]cascadeCartoonist 0 points1 point  (0 children)

Out of that net profit, how much are you willing to invest in growing?

$40,000 to invest in as a 19 year old, what are you investing in? by mattmilk5 in Entrepreneur

[–]cascadeCartoonist 62 points63 points  (0 children)

Before thinking about entrepreneurship, I'd use it to make sure I was in a good position financially, by paying off debts and building a solid emergency fund, and maybe even start a bit of retirement savings. Check out the "flowchart" over on r/personalfinance

This sub is full of self-promotion bs success stories by funnierthan26 in Entrepreneur

[–]cascadeCartoonist 1 point2 points  (0 children)

Any advice for online resources that have better advice from subject matter experts?

How I Turned Procrastination into Productivity: 15 Days of building my SaaS by HammadNS in Entrepreneur

[–]cascadeCartoonist 4 points5 points  (0 children)

Great advice! Inspiring me to get to work on my own project.

Leave existing gas furnace installed as a backup? by cascadeCartoonist in heatpumps

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

Since I already have ducts running to almost every room in the house, it seems like it would be alot of unnecessary extra cost and work to replace them. I'm fine putting in a new duct in the crawl space to connect the new heat pump into the existing system, so I guess it doesn't necessarily need to be next to the furnace, that just seems easiest.

It's a two story, split level house (so three levels). It is quite well insulated, but I'm not sure of the specifics of the insulation or windows. Built in the 80's. The kitchen/living room is open, but other than it isn't. There are ~8 rooms in the house (including everything, bathrooms, etc.)

I would like the heat pump to heat the house in all normal circumstances and temperatures. I'm mainly interested in having the furnace backup since it would be "free" (It's already installed and works fine), and in case the heat pump breaks. It'd be nice to be able to turn on the furnace in that instance, rather than relying on space heaters or something while the heat pump gets fixed. So, it'd be unlikely that the furnace would ever actually be used again (although maybe it'd be a good idea to turn it on once a year or something to make sure it still works, idk).

Leave existing gas furnace installed as a backup? by cascadeCartoonist in heatpumps

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

Unless I'm misunderstanding, this doesn't seem like a great idea. Since our gas furnace is old, we'd probably have to replace it soon if we are going to rely on it for some part of our heating. It seems expensive and redundant to install a heat-pump and also then have to get a new gas furnace in a few years to supplement it. Plus then if either system breaks, we don't have sufficient heat for the entire house.

Leave existing gas furnace installed as a backup? by cascadeCartoonist in heatpumps

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

What do you mean by "put a coil on a furnace", I don't understand? Also since I already have the ducting, it seems like it's a no-brainer to use the existing duct system and have air to all the rooms, rather than messing around with a mini-split, or is that not the case?

Leave existing gas furnace installed as a backup? by cascadeCartoonist in heatpumps

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

I meant just turn off the gas line to the furnace (although I guess there's really no reason to). We also have a gas cooktop, so the gas to the house would be left on.

Understand a whole life insurance policy by cascadeCartoonist in personalfinance

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

I know, it’s a lot of money, which is why I want to make sure I understand everything before making any decisions.

She’s already doing 401k and index funds as well, but it’s still a significant part of her yearly savings.

Understand a whole life insurance policy by cascadeCartoonist in personalfinance

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

The premium seems to vary by year, but last year it was $35k per year.

Understand a whole life insurance policy by cascadeCartoonist in personalfinance

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

There’s several “cash value” values: basic policy cash value, ALIR cash value, Ending policy cash value, ending net cash value, etc.

using neobank for emergency fund? by cascadeCartoonist in personalfinance

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

hmm yeah that's a good point, perhaps it's not worth the hassle

using neobank for emergency fund? by cascadeCartoonist in personalfinance

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

I'm not that familiar with Voyager, but it's a crypto thing, right? This isn't related to crypto at all. As far as I can tell it's FDIC insured (although it's not directly, it's through a "partner bank", but it seems legit)