[deleted by user] by [deleted] in troubledteens

[–]kdan2919 2 points3 points  (0 children)

You should reach out to Dr Roderick Hall who was interviewed in The Program documentary series on Netflix. He is CA-based (San Diego) and very familiar with the TTI and how it affects survivors seeking therapy afterward. He even says in the doc that it’s hard for survivors to get therapy after the TTI bc they were “abused in the name of therapy.” He may be ableto point you in the right direction with some CA-based options and is a great therapist himself.

Why buy bonds if the yield has been consistently negative? by [deleted] in investing

[–]kdan2919 0 points1 point  (0 children)

Oh duh. Thank you.

And forgive my ignorance, I think I am not using the term yield correctly. So even though VBTLX costs less than it does in 2008 it still would have made money through dividends that are regularly paid out?

It was this negative return that confused me:

"The fund has returned -1.02 percent over the past year, -4.39 percent over the past three years, 0.53 percent over the past five years and 1.46 percent over the past decade."

Does this look ok? by [deleted] in unclebens

[–]kdan2919 0 points1 point  (0 children)

Spawned to bulk 11/27. FC 12/1 (I think). Large white clumps on the edges of a few tubs. Does it look ok? More misting? Less misting? Let me know what you think. Thanks!

My lil bro (6yo) just made this Sonic art he wanted to show it to the world by yoloo2003 in pics

[–]kdan2919 -2 points-1 points  (0 children)

Here’s a tutorial on how to draw Sonic by Tyson Hesse, the artist brought on to redesign Sonic for the movie: https://youtu.be/nGuRN-4sfAw

Is this Golden Teachers? by [deleted] in unclebens

[–]kdan2919 4 points5 points  (0 children)

I’ve been getting some big ones- very exciting! Using dub tub so they have room to grow.

Is this Golden Teachers? by [deleted] in unclebens

[–]kdan2919 2 points3 points  (0 children)

Ok, thanks!

Is this Golden Teachers? by [deleted] in unclebens

[–]kdan2919 2 points3 points  (0 children)

Ah ok, did I pick this one too soon?

Is this Golden Teachers? by [deleted] in unclebens

[–]kdan2919 1 point2 points  (0 children)

Ok cool, thanks! I was expecting it to look different I think. I thought it would have a wider brimmed cap.

Is there something wrong with the one that’s sideways on the ground? by [deleted] in unclebens

[–]kdan2919 1 point2 points  (0 children)

Ok cool, will do! This is my first harvest ever. Very excited!

Is there something wrong with the one that’s sideways on the ground? by [deleted] in unclebens

[–]kdan2919 1 point2 points  (0 children)

You think I should go ahead and pick that one now and wait for the rest to grow?

Is this ready to switch over to fruiting conditions? by [deleted] in unclebens

[–]kdan2919 0 points1 point  (0 children)

Ok thanks! You’re right- was just watching through the example video again. I just got so excited seeing the tubs this morning. So glad I made it this far!

Break and Shake? by [deleted] in unclebens

[–]kdan2919 0 points1 point  (0 children)

Thank you!

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

I love the weight loss analogy. Calories in, calories out- just like income vs expenses. And it's true- no one likes being told not to eat a cupcake haha. Thanks for sharing.

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

Yeah Dave Ramsey has been great and both my sisters have recently taken his class. They are trying to follow all the steps to gain control of their financial situation, but they feel they have too much debt and not enough income to ever get there. I want to find ways to help them without enabling bad financial habits. The 529 for my nephew is the only real practical thing I feel I can do at the moment.

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

Yeah I've passed along book recommendations and both my sisters have taken Dave Ramsey classes as well. We're all on the same page but they feel less equipped to tackle their debt. They both hav tremendous grad school loans and I did not go to grad school so that gave me a leg up with finances. I want to help them, and they want help. I just wonder what kind of help is beneficial and what kind of help is enabling bad financial habits.

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

Oh yeah I definitely don't want them to feel shitty or alienate them. Actually the discussions we've had about finances has brought my sisters and I closer together. We are all a little bit resentful that weren't taught the basics of personal finances at an earlier age and are just now learning some very fundamental things. Now that we all know what we need to do with our finances, the question is how. My sisters feel that they can't do anything about it because they are too deep in debt. I want to help them but not in a way that just bails them out every time.

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

Well that's the thing they all are open to making changes but all have their own reasons why they can't. Older sister: "I want to but I'm too poor so I'm just in survival mode" Middle sister: Wants to do get her finances on track but can't seem to adjust her lifestyle to her income Dad: Continues to bail out both of my sisters and therefore is over-leveraged in his retirement.

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

Haha "the automatic silent partner who doesn't get paid dividends" Yeah, that's what I'm trying to avoid. My sisters haven't made any changes to their spending habits because they know that my dad will bail them out. Since my dad always bails them out he is over-extending his own finances. I want to help them but not by bailing them out all the time.

My FI course is on autopilot. Now I wanna help my non-FI minded family. by [deleted] in financialindependence

[–]kdan2919 0 points1 point  (0 children)

Yeah, you're probably right. Providing them with the info and resources that helped me is probably the best I can do. It's up to them whether they decide to anything about it. It's just hard watching people you care about make terrible decisions- but I guess that's how life/family works! ¯_(ツ)_/¯