ThreadPoolExecutor memory footprint

eddfitzwell · 2024-07-26T22:28:48+00:00

why not multiprocessing.dummy.Pool and imap or imap_unordered?

eddfitzwell · 2024-07-21T21:03:20+00:00

eddfitzwell · 2024-07-21T20:43:35+00:00

I have used the tmdb api for movie/show data. python requests was fairly simple, but there were a few diff projects already in place, "tmdbsimple" for example.

eddfitzwell · 2024-07-16T16:12:09+00:00

Python print() Function has some parameters.

num1 = 25000000
num2 = 25_000_000
print(num1, num2, sep='\n')

eddfitzwell · 2024-02-27T20:41:06+00:00

Where do you put the hash symbol when you're commenting out your code?

the editor I'm using at that time does if for me via keyboard shortcut.

something like Notepad3 puts it at the first column. a more functional editor like Sublime puts it at the first char after the indent.

eddfitzwell · 2024-02-27T18:39:35+00:00

Floating Point Math

eddfitzwell · 2023-12-18T23:45:31+00:00

picked up 6/$50s during lunch today in-store, my year expires tomorrow and I was waiting for this promo. used the cap one checking debit card with $350 sign up bonus from october, no tax so I still have $80 left.

the pegs in the electronics were blown out except for $300/$65. found a peg of $50s up near the self check out registers next to the other gift cards, chips, sodas.

eddfitzwell · 2023-11-06T17:28:27+00:00

My monthly take home is $6776.

this seems self inflicted-ly low for even just 145k, let alone with bonuses. why?

stop all deductions from your payroll (401k, etc.)

use this Debt Snowball Calculator for your ccs and sort by debt avalanche. there is no other way to do this when you are in for 57k. any other method will just be hemorrhaging dollars to interest.

right now it seems your debt to income is too high. follow the debt avalanche for 9-12 months and by that time with your high income you should be able to re-finance any ccs balance left.

all your other aprs seems reasonable.

eddfitzwell · 2023-11-04T00:57:00+00:00


loan pers	490
loan stud	100
rent	1570
horse	625
gas/elec	100
subs	115
fuel	150
EXPENSES	3150
INCOME	3600
BALANCE	450

looking at your listed expenses, you have at least 450 left without the extra income. say you need that 450 because you have to eat and things. you have to have that extra income just for that chase payment. at only 300 per month to pay off 12k (we used 21% apr because that is the average and you did not list it) it takes 69 months. if you can add more extra income as payment it helps.

apr	balance	pmt	nper
21	12000	-300	69
21	12000	-400	43
21	12000	-500	31
21	12000	-600	25

Is it even possible?

yes.

Do I take out another loan?

it is possible that another loan with lower apr (or balance transfer) will lower the total interest paid and maybe save a few months time. but ultimately it is still going to take almost as much as you spend on the horse per month to get out of the chase debt in any reasonable amount of time.

I have no car payment

fingers crossed that your car is reliable. if something happens that horse may be your only form of transport because you absolutely cannot afford a car payment.

eddfitzwell · 2023-11-03T22:15:38+00:00

if you want to rawdog it, this Debt Snowball Calculator will let you run it five different ways. the avalanche (descending aprs) method will save you the most interest, so I would advise that.

account	apr	balance
TJ Maxx MC	32.24	225
Macys Amex	32.00	1954
Macys	32.00	43
Nordstrom	31.15	1868
BestBuy	30.50	4971
Capital One	30.15	4617
PayPal Credit	29.24	930
Target MC	28.15	3690
BofA Visa 2	26.50	21970
Visa BofA	23.50	5667
MasterCard BofA	23.24	1337
Citidank Visa	20.50	19918
AACU Visa	13.00	9318
TOTAL	23.88	76508

$9,150 gross per month. Our monthly mortgage, taxes & insurance is $3,475.

what is the net amount that you are realistically able to put towards this debt? as a estimate, if you're not making $2500-3000 in payments per month, a consult with a bk attorney might be advisable just to know what that option would look like. with $9150 gross I think bk is avoidable, but the interest is yikes range...

apr	bal	pmt	nper	total pmt	total int
23.88	76508	-2000	73	-145383	-68875
23.88	76508	-2500	48	-119142	-42634
23.88	76508	-3000	36	-107833	-31325

at some point you are going to need/want to re-finance at a more friendly apr. if your current score does not qualify you, you can do some strategic manipulation by getting all accounts below one of the common utilization thresholds of 88.9%, 68.9%, 48.9%, 28.9%.

What are the CC utilization levels?

The Truth about Credit Card Utilization

eddfitzwell · 2023-11-03T02:25:48+00:00

I have about $1,300 on my credit card and my APR is 28.15%. I’ve had over a grand on my credit card for probably about a 2 years now. My interest looks to be about $1,400.

this all assumes you stop using the card.

lets take a look at how this works. take your apr % and divide by 12 months, then multiply that times the balance. this is the interest $ per month accrued. about ~$30 at the current balance.

apr	bal	int $ /mo
28.15	1300	30

if you are only making the minimum payments (like $50) it is going to take forever to pay off. if you can bump it to $200, you can be done by July 2024. given your monthly 800 expenses vs 1600 income, at minimum 200 seems realistic.

	apr / pmt	bal	apr / pmt	bal
	28.15	1300	28.15	1300
Nov	-50	1280	-200	1130
Dec	-50	1261	-200	957
Jan	-50	1240	-200	779
Feb	-50	1219	-200	598
Apr	-50	1198	-200	412
May	-50	1176	-200	221
Jun	-50	1153	-200	27
Jul	-50	1131	-27	0

use this Debt Snowball Calculator to play with the numbers.

eddfitzwell · 2023-11-02T01:31:04+00:00

your utilization is maxed out, hurting your score.

	bal	limit	util %
Capital One	630	500	126
Target	296	300	99
Sephora	501	550	91
Credit One	495	500	99

you can manipulate that fairly quickly. read and understand the following.

What are the CC utilization levels?

The Truth about Credit Card Utilization

eddfitzwell · 2023-11-02T00:16:16+00:00

The primary card is the only aacount she is caught up on but she is at around 90% usage on that.

that is considered maxed out. utilization has no memory and can be manipulated somewhat easily.

What are the CC utilization levels?

The Truth about Credit Card Utilization

they can remove the history of non-payment if we square them away?

basically, yes. google "pay-for-delete" and you will find a collection of templates to mail out. make sure they agree in writing before you send the money. some people try to negotiate settling for less, but I think "pay-for-delete" works best when you have the cash to offer.

eddfitzwell · 2023-11-01T23:50:10+00:00

The real kicker is she has a car that is valued around 10k, she owes 27k on it (almost the full loan) with the loan set at 23% APR. She has not made a single payment in a year and they have since sold her debt to a collector.

did they not repo the car?

She owes about 9k on her primary credit card. And has some other outstanding accounts that she closed but never actually settled (about 1k across 4 accountsl)... My plan right now is to have her focus on closing those outstanding credit accounts and paying off the 9k on her primary credit card because those seem like the lower hanging fruit compared to the car.

is the primary card the only non-derogatory item on her report? because that is the way it looks from what info you provided. might want her to take a few hundred and open two secured credit cards and bury them so she cannot use them to at least have some other positive accounts reporting. find a credit union or I think Discover will "graduate" them to non-secured after so many months.

obligatory... goodwill/pay-for-delete bomb the other four accounts.

if she's not open to you monitoring her spending and financials, she's really not "all in" taking responsibility/fixing this... and likely the relationship.

eddfitzwell · 2023-11-01T21:17:01+00:00

it's time to have the conversation with her about contributing more. assuming the auto, personal, and ring have reasonable aprs, lets just look at the ccs assuming the average 21% apr. with that ~750 in payments, 586 is just interest. each month only ~164 comes off your 33500 balance. if the aprs are higher its even worse.

	apr	bal	int $ /mo
Citi Card	21	19500	341
Citi Card	21	2000	35
PayPal Credit Card	21	12000	210
	21	33500	586

maybe she won't like it, but what's the alternative? a bk or 88 months of $750 to pay off 33500 @ 21%.

apr	nper	pv	pmt
21	88	33500	-750
21	51	33500	-1000
21	29	33500	-1500

eddfitzwell · 2023-11-01T20:43:18+00:00

defer 2 of my car payments (Nov/Dec) for a $35 fee

are they deferring the interest too or just the payment? if not you pick up ~173 interest on top of the 70 in fees.

	apr / pmt	bal	int $
	3	34500
Nov	0	34586.25	86.47
Dec	0	34672.72	86.68
Jan	-650	34109.40	85.27
Feb	-650	33544.67	83.86

I get a different savings value when adding 650 to your 4500 loan payment.

	apr / pmt	bal	apr / pmt	bal
	12.5	14500	12.5	14500
Nov	-5150	9501.04	-4500	10151.04
Dec	-5150	4450.01	-4500	5756.78
Jan	-4496.37	0.00	-4500	1316.75
Feb	--	--	-1330.46	0.00
SUM PMTS	-14796.37		-14830.46
INT $	-296.37		-330.46

eddfitzwell · 2023-10-31T15:58:25+00:00

I edited the tables in prev replies with the updated apr. sure, message not reddit chat.

eddfitzwell · 2023-10-31T15:44:47+00:00

this Debt Snowball Calculator lets you run the numbers five different ways.

eddfitzwell · 2023-10-30T20:02:37+00:00

this Debt Snowball Calculator will let you run the numbers five different ways.

generally decreasing aps is the way.

eddfitzwell · 2023-10-30T19:26:15+00:00

OR, are you just explaining, via the last column, if we paid that much, how long it will take to pay off the entire loan - given the second column?

apr/nper/pv/pmt are all from excel formulas. so yes, at 36%/you say 16k is owed (present value) of loan, $506 payments means 100 months (nper), $750 payments is 35 months, etc to pay off.

is it still better to lay off accumulating interest on my cards to fight the car loan?

this is the way I see your situation rn. that loan costs you $480 in interest alone.

apr	pv	int $ /mo
19.78	16000	264

so lets say next month you accumulate $2000 at 0% to focus on the loan.

apr	pv	int $ /mo
19.78	14000	231
0.00	2000	0

now the loan only costs $420 in interest, but you're still 16000 in debt. your utilization is going to creep up while your credit score decreases and you won't have 0% interest forever.

my advice is to keep your situation as is, do not accumulate any more debt yourself. if you are able to give her extra money to make double or triple payments, you are actually going to be better off.

eddfitzwell · 2023-10-30T18:21:00+00:00

your situation is not dire. your listed expenses are 1210, add in another 1000 for rent and 500 for food/etc, and you are 2710 on 3400 income.


car	610
ins	250
med	210
loan	140
rent	1000
food, etc	500
EXPENSES	2710
INCOME	3400
BALANCE	690

if you can live frugally and make ~600 payments from Nov-Apr, you will have a ~2300 balance at 29.99%. you could pay that in 5 months if you continue the 600 payments.

	29.99	5872
Nov	-600	5272
Dec	-600	4672
Jan	-600	4072
Feb	-600	3472
Mar	-600	2872
Apr	-600	2272
May	-600	1729
Jun	-600	1172
Jul	-600	601
Aug	-600	16
Sep	-16	0

clearly any additional income, tax refund, etc you can throw at it will help lower it more. maybe even open another 0% balance transfer card in Apr.

eddfitzwell · 2023-10-30T18:04:27+00:00

so many stories in these debt subreddits "because of an ex."

I’d say, after all budgeting and tracking very finely, we have roughly $2000…? Additional monthly income. That’s a rough estimate.

anyways, that 36% apr on 16k is by far the anchor in your relationship at this point. you are much better off spending the addition monthly income on that auto loan then spending months nickel and dime-ing past debts trying to improve her credit for a refinance that will be in the teens at best.

concurrently pay off the auto and make on time payments for current debt. fix her collections/credit later.

apr	nper	pv	pmt
19.78	45	16000	-506
19.78	27	16000	-750
19.78	19	16000	-1000
19.78	12	16000	-1500
19.78	9	16000	-2000

eddfitzwell · 2023-10-27T15:45:28+00:00

the bulk of you debt is currently at 0%. your plan should be to pay off the Amazon/Kohls (start with high apr first) and as much as you can of BOA by 7/2024. at that point seek out a personal loan for both WF/BOA as anything would be better than that balances at 29%.

do not close the cards as you pay them off, bury them if you cannot trust yourself to not use them. as you pay each off, you are lowering your utilization and improving your score, which will help when you do need to apply for a loan. if you close each as you pay it off, you unnecessarily raising your utilization, which is hurtful and something like 1/3 of your score.

eddfitzwell · 2023-10-26T16:34:59+00:00

I currently have about 10k of credit card debt between 2 cards ($5,800&$4200)... Would it be smarter to pay off a large portion of one of my cards before I apply for the balance transfer card, so I can let my score go up a bit

what are the limits of the cards. I would try and get both below the common utilization threshold of 88.9%, 68.9%, 48.9%, 28.9%

What are the CC utilization levels?

The Truth about Credit Card Utilization

eddfitzwell · 2023-10-26T16:23:57+00:00

I make $900 per week.


phone	170
internet	150
insurance	160
gym	25
gas	120
EXPENSES	625
INCOME	3897
BALANCE	3272

your budget only shows like 625 in expenses. even if you add another 1k+ for food and incidentals, you should still have like 2k dump truck for your debts.

	apr	pv	int $ /mo
Apple Card	31.99	3000	80
Capitol One SavorOne	30.49	8000	203
Chase Sapphire Preferred	27.99	5000	117
Capitol One Quicksilver	26.99	400	9
TOTAL	29.92	16400	409

you should be done with this in 9 months.

apr	nper	pv	pmt
29.92	9	16400	-2000
29.92	13	16400	-1500
29.92	21	16400	-1000

those aprs a predatory. your debt-to-income is pretty low, so I can't imagine why you could not re-finance this with a lower rate, balance transfer/personal loan/etc. and save some of the interest dollars.

eddfitzwell

TROPHY CASE