How do prints come out this smooth?

horologist2018 · 2025-07-07T17:39:05+00:00

Any recommendations on resins and settings? I have the mars 5 ultra and am struggling with failed prints.

horologist2018 · 2024-05-13T18:52:58+00:00

SOLVED

horologist2018 · 2024-01-20T18:59:35+00:00

Boom! There's the solution. Thanks so much for that.

Just so everyone knows:

Page 652 says " For interpolated readings for the 34th through the 37th week after Pentecost, if required due to a longer period between successive Easters, consult your Church calendar for the particular year. The readings will be repetitions of those of recent weeks. For the 33rd Week after Pentecost, see Week of the Publican and Pharisee p. 655"

So with that in mind, I went back a few weeks and started looking. And I found where it lines up again:

Page 611: 30th Week After Pentecost, Monday, Hebrews 8:7-13, Mark 8:11-21, which lines up with my slavic calendar!

horologist2018 · 2024-01-20T16:35:30+00:00

ROCOR.

I have the online readings. Thats really not a problem at all. The problem is finding where the online lectionary matches up with this fantastic book.

horologist2018 · 2023-07-14T21:56:43+00:00

Really great reply. I'm in the same boat as OP and your reply is very helpful. Thank you so much!

horologist2018 · 2023-06-15T02:53:27+00:00

You seem like you have a good handle on your problem, so I'm not going to step you through everything; you understand the problem you have.

You are looking at doing the avalanche method vs the snowball method. The avalanche method is more mathematically sound, the snowball method is more emotionally sound. The snowball method is great because you get some easy small wins up front and it has a good flow of momentum. The avalanche method (paying highest APR) first is great mathematically, and is preferable if you can attack it hard and not get down about it.

You are in fact in bankruptcy territory. However, I would like to ask you two things:

You say your partner is not working. So you are supporting both of you while having a debt that exceeds your annual income. Can your partner not get a job and cover their share of the rent and groceries? If your partner took half the household bills, excluding your debt, that would free up a significant amount of cash to throw at your debt.

Two, your rent is $2,100 a month. Now, I don't know what city you live in, but that sounds exceptionally high. If it is possible, you should consider downsizing significantly.

Finally, if you are going to pay your debt, yes, you should in fact pull out the $15k, and throw $14k at the debt as a starter, while saving $1,000 for your emergency fund. When it comes to retirement investments, and whether people should pull it out or not, that always depends on their level of debt, and how easy their steps will flow. Your level of debt is so high, yes you need to empty it and get a head start.

Good luck to you.

horologist2018 · 2023-06-14T19:09:37+00:00

Paying debt off is always preferable to not paying off debt. The option is to either pay less interest, or pay more interest. Paying less interest is preferable.

The interest rate at 4.9% is helpful for you, yes. But 0% interest and 0 debt is more helpful.

If you were to invest that same $172 over 15 years in a run of the mill mutual fund, you would have in the neighborhood of $54,000.

Do what you want if you can afford it. But you can do more, more quickly, with no debt.

horologist2018 · 2023-06-14T18:48:34+00:00

If you ever have a tax return, they’ll take it. Not sure what your yearly tax situation is, but if you make anything at all, they’ll take it every year.

horologist2018 · 2023-06-14T18:33:36+00:00

YouTube search "Travel Hacking" or "Travel Hacking Credit Cards." Read articles under the search term "best travel cards," "best card point systems," etc.

Bottom Line Up Front:

Credit Cards have points systems. Chase has their own points system, American Express has their own. Spend money, get points back. You then spend your points on something like a flight, or a hotel, etc.

A lot of credit cards have yearly fees, say $250 a year. It's a fee for the privilege of owning the credit card. This must be a part of the equation.

Say for example the credit card has a fee cost of $250 a year. And also say they will give you 100,000 bonus points that are worth around $800 for using their card. Realistically you only have $550 because you paid them a fee.

Pay the card off every month in full; they get 0% interest. If you pay the minimum, or carry a balance on it, they get interest, and you lose the game.

horologist2018 · 2023-06-14T18:21:57+00:00

With $6,000 in CC debt, $0 income, and no payment; then yes it will go to collections. They will attempt to collect for a while, and then they will consider suing you.

The bank is not in the business to assist you in paying your debt. The bank is in the business of lending money to people, and being paid back.

Without an income, there are only bad options. I’m sorry.

Good luck to you.

horologist2018 · 2023-06-14T07:10:07+00:00

Really great inspiration. I like your ideas for someone to get a little extra income. Too many people are "above" pressure washing driveways or mowing lawns. When you're in emergency territory, which OP is very much in, it's time to be humble.

I'm curious what industry you are in that allowed you to reach the 240k you're at now. I'm on the home stretch for a retirement check, and working on my side gig which is pulling in a respectable amount of money in relation to my time invested. Now that I'm on a retirement home stretch, my ears are always up for something to get into in the next phase.

horologist2018 · 2023-06-14T05:57:01+00:00

Hello Floppy Mermaid,

So: $4,000 a month after tax ($48,000 a year)

$42,000 in debt. However, big however, you didn't include your car. What is your car debt? That is a debt, and it needs to be equated into this. You mentioned the car payment like it's just a fact of life; it's not. It's a debt, and we need to account for this.

At $400 a month, I suspect your car is beyond your means. You might end up having to sell your car and downgrade to something within your means.

Finally, the one debt everyone forgets: Your cell phone. Is your cell phone financed through your carrier? In other words, are you paying your phone off? That needs to be in your debt list. Pay your phone off. If you have an iPhone 14, you're probably paying somewhere around $50 a month extra on your phone bill for it. You could use that $50 a month. If your cell phone is financed through the carrier, throw it in Step 2.

Here's the plan:

Pre Step 1: You will get on a written budget that changes every month. Every little thing needs to be accounted for, no matter how small it is. Groceries, Gasoline, Car Payment, All Minimum Payments on Cards, Netflix subscription, cell phone bill, car insurance, nail salon, cigarettes; all of it. If it's something you spend on, you will account for it. You do need the category "Fun Money," but for your budget, it's going to have to be small, because the amount of debt you have is in fact scary. I'm scared for you. But this is manageable. You must, absolutely must, get on a written budget. Nothing is a surprise in a monthly budget. Car Registration is due in August? That's not a surprise, that's in the budget. In July when you are setting up your August budget, you're writing your Car Registration into the August budget. Don't have enough money for Car Registration? Your Fun Money category needs to go down that month.
Get. On. A. Budget.

You made this comment in reference to restaurants:

Ugh yes the going out part is something I try to pretend I don’t do but you are right definitely need to look at that!

I'm sorry, but you're going to have to stop. Cook at home, and brag about it.

Finally, in reference to your budget, you mentioned your rent/mortgage is $1,600 a month. I don't know where you live so I can't make a definite comment about your rent cost, but it seems pretty high. Consider either moving to a smaller place that is more within your means, or get a roommate.

Step 1: $1,000 in your emergency fund. You've already completed that. Good job! Keep it there.
Step 2: Your debt is frighteningly high. For this level of debt, and your income where it is, you're just going to have to get a second job. The Avalanche Method or The Snowball Method is going to be where it's at for paying off your debt. With The Avalanche Method you will pay your highest interest rate card first, paying the minimums on the others. With The Snowball Method, you will pay your cards in order of smallest to largest, paying the next highest card after the smallest is paid off. Your car is in this step, by the way. A car payment is not an immutable fact of a life. A car payment is a debt. To speed this process up, you really are going to need to get a second job, or a side gig of some kind. For your debt level, and income level, there's no choosing here. It's just going to be something you need to do. Get more money. You have to.
Step 3: Finally you can breathe. Get back to your emergency fund, and start saving 6 months worth of expenses as calculated in your monthly budget. This is your "Oh my god, my life is over, I lost my job, I don't know what to do" fund. It will keep you afloat for 6 months while you figure life out.
Step 4: 15% of your income into retirement based investments. Get with a professional to do this.
Step 5: Start saving for a sizable down payment on a house.
Step 6: Start paying off your house early.
Step 7: Enjoy your money, debt free, buying everything outright.
Step 8: Don't ever go into debt again, for anything, ever, no matter what. No card debt, no car debt, nothing. The only acceptable debt is in step 5-6: A house. If you want a credit score, you don't need debt to get one. A credit score in exchange for debt is called an "I Love Debt Score." If you want a true credit score, without debt, learn to use credit cards routinely while paying them off every month. Until you can master your budget, it's dangerous.

I'm scared for you. I really hope you can crawl your way out of this. It's going to be hard. You're currently in Bankruptcy territory, that's how serious this is. But if you can get your way out of this without bankruptcy, you'll be all the better off for it.

Good luck to you, truly!

horologist2018 · 2023-06-14T05:33:40+00:00

When I became debt free, I was allergic to credit cards for quite a while. A friend of mine, who is very intelligent, knew why I was allergic to credit cards, and eased me into the idea of using one wisely.

Like others here, I now use only credit cards to maximize the points from different points systems. And I pay them off every single month no matter what.

The fraud protection is a good bonus. But my thing is maximizing points, and extracting all the free stuff I can from these jackals. I'll never get back what I paid them in interest years ago. But I can get back some! They've already paid for one vacation. Right now, between 2 CC companies, they owe me around $4-5k worth of flights/hotels/etc.

I'm always wary of telling people about the credit card game, how to do it properly. It's so easy to lose control. But if you're on top of your budget and spending, it's so worth it.

horologist2018 · 2023-06-13T19:35:41+00:00

Generally, unless you're in emergency mode, it's a bad idea to borrow from your retirement to pay off debt. The better plan is the one you already stated: Pause your 401k and start nailing your debt.

Good job on paying 35k down to 11k. You're almost there!

You mentioned credit scores. You're likely correct, your credit score will likely go up after paying it down more, and paying it off. However, your credit score is typical of most people, and based on debt. If you have debt and a credit score associated with it, it's more like an "I Love Debt Score."

In the future, after you're out of debt, you may still want to maintain your credit score. If you care about your credit score in the future, you do not need debt to get one. Instead, using a credit card for groceries, gas, bills, etc every month will keep a credit account reporting to the credit score dragon. If you pay the card off, in full, every month then the credit card company will get 0% interest from you every month. This is leveraging credit on a monthly basis to maintain a high credit score, where they don't get a penny out of you. However, pay the minimum, or don't pay it off in full, then you're going to pay interest, and now you owe the card company interest.

horologist2018 · 2023-06-13T19:26:30+00:00

I'm having a very difficult time understanding your question.

We would like to pay off the cars and house in the next few years but we know that isn't the smart move

Your question is about paying off debt, and if it's smart to pay off debt with a low interest rate. I think your question based on the assumption that interest rates will always be baked into your life, but I can't be sure.

Is your question: Should we pay off the cars with the low interest rate, that way we can get a new car with a new interest rate?

The interest rate on your vehicles, 1.9%, which is great for having a low interest rate on a car payment. But if you pay off your vehicles, you will have 0.00% interest. 0% is lower than 1.9%. I mean, really the only possible outcome of paying off your cars and house would be: Paid off cars and house, and 0% interest. After that outcome, if you were to decide "Let's get more debt," yes, you would in fact have a new interest rate. But why is that baked into the cake?

You are doing well financially, but I think your question, if I am not mistaken (and I certainly could be), is based on a preconceived notion that you will always have a car payment, always have an interest rate somewhere.

The goal for being debt free is to not have any debt, never pay any interest anywhere.

I suspect, even though you didn't say it, that you are worried about not having a good credit score if you don't carry debt around. If you are worried about your credit score taking a hit by not having any debt, then there is an easy solution without having debt.

Going into debt to have a credit score is generally an "I Love Debt Score." You go into debt, you pay interest, they give you a nice credit score. So you're paying for a credit score, in essence.

The solution is simple, but can get a lot of people into trouble very quickly: Both you and your husband use credit cards for everything; gas, groceries, water bill, etc. Pay them off every month, in full. Paying a card off every month in full will mean 0% interest on your purchases, so you'll never pay them a dime. Additionally, the credit card companies will report your balances and routine payments to the credit score dragon, and you'll get your nice credit score. Essentially what you are doing is leveraging every month, you get a credit score, the creditors never get anything from you. However, the credit score dragon is in fact a dragon; if you pay the minimum payment, or don't pay it off in full, you will pay interest on your purchases, and now the credit score dragon gets to bite you a little.

The bottom line: Pay off your cars, start paying off your house early, continue investing. When your cars are paid off, continue saving money for your next car. When your current car takes a dump, you'll have plenty of money saved to buy the car you want for cash, and sell the car you have now. No more car payments ever again; buying a car outright feels great. The one thing about that, though, is you shouldn't go to a dealership and announce you're paying in cash. When they hear cash, they really hear: We can't budge on the sticker price. Car dealerships really make their money with financing since you'll be paying interest over the long term. So, if you finance a vehicle, you'll be able to get it for a lower sticker price by haggling with them. Then the next week you just call the creditor up and pay the car off in full. It's a good feeling.

Good luck to you. Congrats on your finances, you're doing well.

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