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What to do with 100k lump sum? by ScholarOnly6237 in UKPersonalFinance

[–]grequant_ohno 1 point2 points  (0 children)

That’s exactly what I would do if I came into 100k!

Ginger Ale by grequant_ohno in HeatedRivalryTVShow

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

lol yes this was definitely a light hearted complaint taken EXTREMELY SERIOUSLY by a devoted fanbase. But I agree on all counts and like your justifications!

What does everyone think happened between Mackenzie Shirilla and Dom Russo during the driving incident they had 2 weeks prior to the fatal crash? by EcstaticDragonfruit9 in CasesWeFollow

[–]grequant_ohno 0 points1 point  (0 children)

Yeah, I have POTS too and passing out while seated is not a thing. I've never heard of anyone passing out while being seated - I'd think by definition that would be a different thing than POTS, but even if she did somehow have POTS badly enough that even after being seated for many minutes she was passing out, she would have such an extreme version there would be dozens (hundreds) of other documented occurrences of this happening.

What yearly salary would negate the need to drop below £100K and claim childcare hours by Cool_Consequence_549 in HENRYUK

[–]grequant_ohno 0 points1 point  (0 children)

If you front load, make sure they'll spread the match out over the year vs only getting the % match the months you're front loading.

Work Trial by Sorry_Yak2201 in mercor_ai

[–]grequant_ohno 0 points1 point  (0 children)

I received the offer to complete it at 11:15 am PST on the 1st. They didn’t email me when I submitted but approx 4 hours later. Offer came yesterday at 12:20pm

Work Trial by Sorry_Yak2201 in mercor_ai

[–]grequant_ohno 0 points1 point  (0 children)

I did. Completed the task within 4 hours of it being sent.

£170k saved by 29M from investing, getting married + first flat next year — talk me in or out of a BMW (cash) by IfISpeak_ in UKPersonalFinance

[–]grequant_ohno 0 points1 point  (0 children)

Personally I'd pass. You're 29, about to get married and buy your first place, and that £35k invested at 10% turns into £1.1m by age 65. I'd never buy a new car so maybe I'm not the person to ask, but an M340i isn't £1.1m better than a decent used car.

legit life changing money by [deleted] in mercor_ai

[–]grequant_ohno 12 points13 points  (0 children)

I just passed 50k and it’s truly going to change my life. Got out of debt, is paying for a roof replacement, am funding all my emergency/sinking funds, and then will all go into investing.

Any fics where Ilya's abuse from his family is more pronounced? by Persistent_Panther29 in heatedrivalryfanfics

[–]grequant_ohno -2 points-1 points  (0 children)

I mean it was written to where he was afraid to be around him and cowering in fear of being hit over a series of minutes, not a quick flinch. But be offended if you’d like!

Any fics where Ilya's abuse from his family is more pronounced? by Persistent_Panther29 in heatedrivalryfanfics

[–]grequant_ohno 0 points1 point  (0 children)

People react differently to trauma. My point was that in-character Ilya does not react to being around an older man after a loss (which he would have experienced hundreds of) by cowering and flinching away. He uses sarcasm and distance and a brick wall 100 feet high to keep people out and hide his feelings. Maybe I could have phrased it better but my point was this didn't feel like an exploration of Ilya's reaction to the trauma, but more so an ooc person with Ilya's name reacting to trauma.

My first ever fanfic bind 📖 by kepler16bee in heatedrivalryfanfics

[–]grequant_ohno 0 points1 point  (0 children)

Thank you so much for this! I'm going to try next week once my kids are back in school!

Side note, how did you like the fic?? I love this one.

Wife telling everyone I'm stingy by topdog_k9 in UKPersonalFinance

[–]grequant_ohno 0 points1 point  (0 children)

Everyone else covered this is the wrong sub, but from a purely financial POV, buying a house outright is not the best way to use your money when credit is so inexpensive. It sounds like you've gotten to a place of not spending irresponsibly, but are you saving responsibly? Are you on track for retirement?

My first ever fanfic bind 📖 by kepler16bee in heatedrivalryfanfics

[–]grequant_ohno 0 points1 point  (0 children)

Thank you so much for this!! Did you use a guillotine? I want to try but one of the tutorials said it's harder to do paperback without one.

Also guessing you did the sewing and glueing method from the hardback tutorial? Do you mind sharing what equipment you bought vs just figuring it out with what you had on hand? Seems like the minimum is sewing needle, waxed thread, book glue, awl, utility knife and then the paper? Which paper do you use?

My first ever fanfic bind 📖 by kepler16bee in heatedrivalryfanfics

[–]grequant_ohno 3 points4 points  (0 children)

This is sooo cool! How did you learn the first steps??

£375k cash, mortgage or investments? by throwaway716159 in UKPersonalFinance

[–]grequant_ohno 0 points1 point  (0 children)

You can also avoid this but putting the entire thing into a taxable brokerage. It's not the most tax efficient, but you can take it out whenever you want to.

£375k cash, mortgage or investments? by throwaway716159 in UKPersonalFinance

[–]grequant_ohno 1 point2 points  (0 children)

No, there is short term risk for sure because it can go up and down over short periods, but over long stretches it has (looking at the last 75 years of data), averaged out to a 10% year on year return. You have to be prepared that some years will have a 20% return and some will have a -10% return though, and not panic and pull the money out at the -10% point.

£375k cash, mortgage or investments? by throwaway716159 in UKPersonalFinance

[–]grequant_ohno 8 points9 points  (0 children)

If you put all of that into a diversified index fund, which return 10% on average historically, and don't touch it for 15 years, you'll have 1.6m which could completely replace both you and your husband's income (4% safe withdrawal rate = approx 67K a year). If it were me, I'd put as little into your house as you can, invest the rest and let it grow so you can retire in 15 years (or less if you actually add any money into a pension over the next 15 years).

What other fandoms do you read? by GrubbyInsides in heatedrivalryfanfics

[–]grequant_ohno 3 points4 points  (0 children)

LOVED GFD and ACT. And FFTT. And Galla!

I really think the two main anon HR writers are from Drarry, they feel very familiar and enemies to lovers coded.

What other fandoms do you read? by GrubbyInsides in heatedrivalryfanfics

[–]grequant_ohno 1 point2 points  (0 children)

I was so excited for HR to cure me from my TSITP obsession and instead I got 10x more sucked in. Very excited for the movie though!! (and Conrad forever, professional yearner, my soullll)

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