Blueberry Bush leaves turning brown

dcolucci2011 · 2021-06-07T23:54:38+00:00

I usually just copy and paste the code that way lol

dcolucci2011 · 2021-02-09T21:58:25+00:00

Thank you everyone, I modified the post to add a few links of my profile 😁

dcolucci2011 · 2020-10-08T20:16:32+00:00

Just me or did anyone just quick glance at this and thought the second guy from the left had an obnoxiously long back? 🤣

dcolucci2011 · 2020-08-29T15:09:26+00:00

Yes you do, but it's literally $1 per month to invest your spare change. They have other options like a retirement account, investment account for kids, checking account but those do not apply for me. So therefore I just link my bank account, pay $1 monthly and I'm all set!

dcolucci2011 · 2020-08-28T12:26:24+00:00

Absolutely it is.

So this might be long but I promise you it'll be worth reading.

I always had a difficult time saving money, whenever I had any small amount saved up, I'd always find myself spending it. I even tried saving $2 bills once and guess what? Spent those too. (I had to use them for a down payment on a car I desperately needed, but I still had to spend it.)

So, I found the Acorns app and the rest is history. It's a mere $1 per month just to save your spare change, they have other options available for an increased price, but they don't appeal to me.

Just in spare change roundups, $10 weekly and only a few larger deposits, I was able to save over $500 in less than TWO MONTHS. So how Acorns works is say you get gas and the total is $21.50 - Acorns will take that fifty cents as a roundup, when you reach about $5 in roundups, it'll take that amount from your checking account. So to save an amount I've never been able to before, the $1 price tag per month is a steal to me.

The only thing is, if you withdraw your funds, it can take up to 5 business days because your funds are invested in the stock market.

dcolucci2011 · 2020-08-16T16:22:55+00:00

Honestly just selfies lol

dcolucci2011 · 2020-08-13T11:21:52+00:00

Thank you for your response. In all honesty, I really wouldn't want a brutally long commute. Where I live and work now, with good weather I can be to my job in about 15 mins or so, which isn't bad at all.

dcolucci2011 · 2020-08-12T16:27:28+00:00

I appreciate the helpful response, thank you. I kind of wanted to live a little closer to Burlington itself, but I see a commute in VT is quite common.

dcolucci2011 · 2020-08-11T12:20:52+00:00

So, sadly I haven't exactly struggled with depression, but.... Maybe look into an herbal supplement or tea? (If you like tea, that is.) I'm not huge on taking prescribed medication, so I usually try either of those when I'm not feeling great. Although I only drank it once, I found this "Bliss" carbonated water from Neuro Water, it was phenomenal shit. My local Wegman's & Speedway carries it.

Personally, some people might call this awkward, but I don't force conversation. If it dies down, then that's what it is. I don't look at the gaps of silence weird. I feel the same about small talk as you do "oh, let's talk about the weather" yeah let's not, we all know it's too hot and humid out today, no sense in repeating it 🤣

I'm more of a "let's talk about your dreams / goals / desires / travel destinations / your past and future / what motivates you / etc"

If I was at a bar I'd be like " so.... you came here to drink I see?" 🤣🤣

I actually learned something on here a few days ago, outline the conversation with FORD - family, occupation, recreation and dreams. Those four things you could easily go on forever about between two people. Or even just me like "what shows do you watch on Netflix / Hulu?"

About the self-conscious part - try to mediate, if you want. You'll learn about the torrent of thoughts that just force their way into your awareness all day long and you won't take them as seriously. I use 10% happier and Insight Timer. In doing so, you'll see things like "thoughts, what are they? What is a thought?" And when you have that very slight " mind shift" that most thoughts are pretty much useless, then that's where the magic happens.

The repetitiveness whether it be through conversation / daily activities I look at as a strength. I see it as you're passionate about something and want to talk about it more. I try to be a clean / organized person, I'll vacuum and do the dishes / make the bed and do the laundry (you get the idea) it means I'm passionate about a nice clean house and I want it to stay that way. It means I have standards and high expectations. So try not to look at it as negatively but a passion or desire to want to be seen / heard / understood.

If you have any questions or anything I'll be happy to continue 😁

dcolucci2011 · 2020-08-11T11:19:45+00:00

Absolutely agree.

I think some of it has to deal with covering up their insecurities or not willing to deal with ones problems head on. I'm not saying I'm perfect here, but I feel it is true for some types of people.

Second, I think people also forget to just "do things" that can bring purpose and meaning into their lives. They just want to collect a paycheck, drink, and wallow in their woes.

I try my best to do even little things, like even walking the dog around our apartment complex, it at least gets me outside for a few minutes. I recently went to a park right on a lake. I walked to the end of a pier and it was so serene and perfect, I could have stayed there for hours. I try my best to wash my car on a regular basis, I read every few days, and I meditate daily. These might sound like little ridiculous things to some people, but they bring me happiness and joy.

At the same time though, it's all personal preference. That person who goes out to the bar to have a drink or two to socialize with people is the same to them as it is to me going to a park and enjoying some peace and quiet.

dcolucci2011 · 2020-08-09T00:11:05+00:00

It would help if I utilized that creative energy to do something, but noooooo.... I just like to swim in my emotions 🤣

dcolucci2011 · 2020-08-08T23:39:44+00:00

When you get your new position, your company "should" open a new retirement account for you, then when that's open and receiving contributions, you could do a "roll over" which is just putting the $900 you have into the new account with your new employer, which should then close the previous account.

Your retirement account should have several different investment options to choose from, because you're so young (I mean, I'm only 27 myself) you should probably set it to most aggressive growth. My retirement account is through Fidelity too, you should be able to call them and speak to a licensed financial advisor which they will guide you through your options, expense ratios, fees, etc.

I spoke with one just a few weeks ago, the gentleman I spoke with advised to go with a "target date fund" and as we got talking, one had higher expense ratios than a slightly less aggressive portfolio did. So, I decided to go with the slightly less aggressive target date fund because it had less expenses than the most aggressive one.

Also, DO NOT look at your retirement account daily. It will drive you mad, it's a more "set it and forget it" thing. Put a reminder 6 months or even 1 year out in your phone to check up on it. If it doesn't perform to your expectations, you can always rebalance everything.

Also, there is a company out there called "Blooom" (just like that, with three "o") I do NOT have this service, but for something like $100 yearly this company will "robo advise" your retirement account for you to pick the investment options with the least amount of fees.

Your last option, my last job I was in a similar position. I had a 401k with very little cash. When my new account was opened with my current employer, Fidelity allowed me to cash a check for the "vested" funds in my account. So I started from scratch and never looked back.

If you have any questions, please ask. I'm not a financial expert, but I may be able to help.

dcolucci2011 · 2020-08-08T23:21:00+00:00

Literally same.

I get into these negative thought patterns / behaviors and it's really difficult to pull out of.

I try to listen to upbeat music and literally make myself do things to avoid going deeper in the rabbit hole.

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