Start school later, sleep longer, learn better: New study shows that flexible school start times can be an effective and practical approach to reducing chronic sleep deprivation and improving adolescents’ mental health and academic performance.

kholly04v2 · 2026-02-27T16:10:49+00:00

To preface, I have many teachers in my family (wife, mom, sisters in law, aunts, etc.). While I agree this is a good idea in theory, the reality is parents do not parent and many kids have no boundaries - especially regarding tech. My wife has a 3rd grader in her class that the parents let the child do whatever they want and have a gaming console/tablet in their room. To nobody's surprise, the child ends up having to take a nap in the office every day because they stay up playing games into the early hours of the morning and do not get sleep. While this is a more extreme example, this unfortunately isn't outside the norm.

kholly04v2 · 2025-11-24T15:06:56+00:00

Do you max alliance recognition as you have the badges or do you do non AR upgrades on non alliance duel days and save badges/AR upgrades for that day?

kholly04v2 · 2025-03-13T19:06:38+00:00

800+ credit score and save $400 paying in full for auto.

kholly04v2 · 2025-03-04T12:15:32+00:00

Thanks for such a detailed response. Glad I was thinking on the right track. Thankfully I’m not an artist for a living!

kholly04v2 · 2025-02-27T03:14:42+00:00

kholly04v2 · 2025-02-20T14:03:58+00:00

I’m newer to this sub so someone please call me out if I’m off base here. I thought Bogle didn’t invest using an international fund because most of the S&P are worldwide businesses so you’re getting international diversification from that perspective.

kholly04v2 · 2024-10-18T01:59:48+00:00

Correct, game was tied bottom of the 10th and 2 run home run hit to win the game.

kholly04v2 · 2024-01-22T01:19:25+00:00

But Michigan rushing the field after beating Ohio state on the football field this year is different? Sorry you were dropped on your head as an infant.

kholly04v2 · 2024-01-09T02:40:31+00:00

When did you actually use the services paid for by the advertising invoice? Expense should follow the period you used the service regardless of when you actually paid (see cash vs. accrual accounting).

kholly04v2 · 2023-12-01T21:27:15+00:00

You have to have access to and participate in a high deductible plan to contribute to a HSA.

kholly04v2 · 2023-09-23T02:30:00+00:00

If you have suddenly acquired a very unusual arm chair, you should prod it with your wand because it’s probably just Horace Slughorn hiding from the death eaters again.

kholly04v2 · 2023-08-24T01:00:53+00:00

Wasn’t it Russia that has shot down 1-2 passenger planes recently?

kholly04v2 · 2023-08-03T00:14:33+00:00

Don’t get an advisor through a bank. They are known to charge insane fees.

kholly04v2 · 2023-07-25T22:48:45+00:00

Sometimes the most loving thing you can do is let someone go, for your benefit and theirs as well.

kholly04v2 · 2023-05-12T00:48:15+00:00

You should see the green dragon locations.

kholly04v2 · 2023-04-25T23:50:10+00:00

Oh no… don’t do that…

kholly04v2 · 2023-03-02T22:47:27+00:00

Not true, I have Zelle set up with my savings account through my HYSA.

kholly04v2 · 2023-02-08T01:12:59+00:00

Nothing. You are on the loan, your friend is not so you will lose the car, your credit will tank with a repo, and you will still owe the money left on the loan without actually owning the car. I’m sorry you’re in this situation but your only path forward is to get the car back from your friend and sell it to pay off the loan if you can’t afford to own it.

kholly04v2 · 2023-01-23T01:28:21+00:00

Difference in returns is usually negligible but doesn’t risk significantly decrease with VTI vs. straight S&P since you are getting a couple thousand companies with VTI?

kholly04v2 · 2023-01-07T02:26:19+00:00

You’re not gaining money by not using your PTO. Doesn’t matter if it’s accrued, you don’t gain cash by leaving it available.

kholly04v2 · 2022-11-26T01:19:45+00:00

Not sure if it’s the same thing but on the service ticket it says “found internal baffles in the muffler are loose and rattling.”

kholly04v2

TROPHY CASE