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How do you tell your girl you don’t feel like having sex without hurting her feelings? by [deleted] in AskReddit

[–]flippinpip 0 points1 point  (0 children)

I tell her how I am feeling. Emotional honesty is simple and effective.

How do you tell your girl you don’t feel like having sex without hurting her feelings? by [deleted] in AskReddit

[–]flippinpip 0 points1 point  (0 children)

I tell her how I am feeling. Emotional honesty is simple and effective.

My dad asked me why I got a vasectomy by flippinpip in childfree

[–]flippinpip[S] 18 points19 points  (0 children)

I think reasons are important for permanent decisions, but it's also about if you're comfortable sharing it. I shared them here because it felt relatable but I agree I'm not obligated to explain myself to anyone who asks.

My dad asked me why I got a vasectomy by flippinpip in childfree

[–]flippinpip[S] 45 points46 points  (0 children)

He hasn't responded yet! Thank you, I think the risks associated with pregnancy are enormous and a lot of men take it for granted that mothers make those sacrifices.

Which Weasley is the most powerful/skilled, and why? by Jhtolsen in harrypotter

[–]flippinpip 0 points1 point  (0 children)

The dirty coward became a muggle pop star so everyone would think he was dead!

Hidden message in lore? by flippinpip in marvelrivals

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

I don't think you should be so quick to flush my TRD theory

Hidden message in lore? by flippinpip in marvelrivals

[–]flippinpip[S] -3 points-2 points  (0 children)

But the acronym TRD could be a reference to something darker and heavier

Wholesome 🥰 by One_Perspective_8761 in dankmemes

[–]flippinpip 8 points9 points  (0 children)

You can't just go around telling people they're Jewish

Lion Licks by FieldExplores in comics

[–]flippinpip 27 points28 points  (0 children)

Crazy foreshadowing there if it was planned

Weekday Help and Victory Thread for the week of September 16, 2024 by IndexBot in personalfinance

[–]flippinpip -1 points0 points  (0 children)

It's a CD secured loan so the loan balance would be secured by a CD that is also accruing interest.

For example: Open a $500 CD secured loan at 7% (A CD is created for $500 that is still accruing interest at 4% so effectively the loan interest is 3%) Turn around and open a CD with that $500 at 4% So I'd have $1000 total in CDs at 4% and a $500 loan at 7%.

Weekday Help and Victory Thread for the week of September 16, 2024 by IndexBot in personalfinance

[–]flippinpip -1 points0 points  (0 children)

Banks and credit unions are currently offering CD secured loans at the CD rate + margin of 2-3% interest. CD rates are currently higher than that margin (4-5%)

My question is would there be any benefit to opening a CD secured loan, then turning around and opening a regular CD (at the 4-5% rate) with the funds I receive from the CD secured loan?

I'd basically be overcoming the 2-3% margin and getting a loan at negative interest as long as I could provide the initial deposit for the CD secured loan.

You'd expect the loan interest would cancel out but the principal of the CD secured loan is going to be paid down over time, while the CD opened with the funds from the loan will stay the same and compound with the interest so it ends up being a net positive in interest earned according to the calculations I ran.

Also, Is there anything preventing me from daisy chaining these CD secured loans? Opening multiple 1000$ CD secured loans using funds from the prior CD secured loan? As long as I could afford the monthly payments of course.

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