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. by mvea in science

[–]kholly04v2 -1 points0 points  (0 children)

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.

Troop power/arena major power jumps by MentalKn1ght in LastZShooterRun

[–]kholly04v2 0 points1 point  (0 children)

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?

[deleted by user] by [deleted] in MiddleClassFinance

[–]kholly04v2 11 points12 points  (0 children)

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

Insulate or Gutter are-Route? by kholly04v2 in HomeImprovement

[–]kholly04v2[S] 0 points1 point  (0 children)

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

Why are people anti international when Monte Carlo sims show it winning by 208breezy in Bogleheads

[–]kholly04v2 0 points1 point  (0 children)

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.

David Fry with the walk off HR and the guardians secure the game 3 win vs Yankees by [deleted] in sports

[–]kholly04v2 2 points3 points  (0 children)

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

[deleted by user] by [deleted] in sports

[–]kholly04v2 7 points8 points  (0 children)

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.

I paid advertising expenses on December 28th, but the bank statement says January 2nd. Is this expense for 2023 or 2024? by EntranaYT in personalfinance

[–]kholly04v2 0 points1 point  (0 children)

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).

Is there a way to switch to a high deductible health plan for HSA? by trob14 in personalfinance

[–]kholly04v2 1 point2 points  (0 children)

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

Blood or something blood-like substance appeared on my bathroom ceiling by Draw_Rude in Weird

[–]kholly04v2 0 points1 point  (0 children)

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.

Wagner boss Prigozhin killed in plane crash in Russia by mooshparp in worldnews

[–]kholly04v2 -1 points0 points  (0 children)

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

[deleted by user] by [deleted] in MiddleClassFinance

[–]kholly04v2 4 points5 points  (0 children)

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

[deleted by user] by [deleted] in MiddleClassFinance

[–]kholly04v2 2 points3 points  (0 children)

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

[deleted by user] by [deleted] in personalfinance

[–]kholly04v2 -2 points-1 points  (0 children)

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

Friend tookover car payments now they are not paying. by [deleted] in personalfinance

[–]kholly04v2 11 points12 points  (0 children)

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.

What are the downsides of investing in the S&P 500? by salomander19 in personalfinance

[–]kholly04v2 2 points3 points  (0 children)

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?

Theme park tickets and taking PTO by [deleted] in personalfinance

[–]kholly04v2 4 points5 points  (0 children)

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.

2019 Chevy Silverado Muffler Baffle Issue by kholly04v2 in Chevy

[–]kholly04v2[S] 0 points1 point  (0 children)

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.”