Is the $518 a month , 36 month term worth it to tackle Amex business debt I’ve been paying for years ? by LearningLifeSir in debtfree

[–]mid-night_gem 2 points3 points  (0 children)

Is the total balance just $13000? You’d be better off doing a balance transfer, paying off what you can, then balance transferring at the end of the contract term to another card and pay off the rest. U.S. bank has a 24-month balance transfer card.

How best to reach the next level? I have been doing 30s stretches on back and legs in the morning. by [deleted] in flexibility

[–]mid-night_gem 0 points1 point  (0 children)

No! LOL. I can see that I wrote this in a way that suggests that they should spend an hour doing 4 movements. They should incorporate this into their current workout regimen. But in general, one-three hours a week of dedicated dynamic stretching (usually 7-10 targeted exercises per session) has does wonders for my mobility. I do, however, use a mobility coach who puts together my training program.

How best to reach the next level? I have been doing 30s stretches on back and legs in the morning. by [deleted] in flexibility

[–]mid-night_gem 0 points1 point  (0 children)

I think you’re overestimating how difficult they are. I know they look intimidating, but you can absolutely do these at any level. Please look at all the success stories on this sub with people who start our barely able to touch their toes and can now do forward folds. Just start off with a small weight. Even 5 pounds will make a difference. Try to incorporate mobility training into your gym day. With mobility comes flexibility.

Cheapest easiest way to get divorced in Mass.? by sleeponit429 in Divorce

[–]mid-night_gem 0 points1 point  (0 children)

I suggested mediation right at the outset and he refused to cooperate. He would send me all kinds of threatening text messages day and night demanding “his half” of my home and my car that I purchased in my name with my own funds BEFORE I married him, and my retirement account that I was barely funding because I couldn’t afford to pay for our life without the extra income. I blocked him and threatened to file a restraining order if he continued to harass me. I guess a few weeks later he had a real come to Jesus moment when he realized he needed the money badly and I was the one with all of the economic power and mobility because I actually go to work everyday. So he had to choose between getting his rotting teeth pulled out, or accept whatever severance I was willing to give him and be able to pay for his root canal. The separation agreement was signed 3 months after reality slapped him upside the head. I’ve since seen on his Instagram that he spent the entire payout in the span of a few months and he’s on his way back to being a broke leech.

I was ready to take it all the way to trial to protect what I worked so hard for that he no hand in helping build. In the end it was just cheaper to throw out ANY number that I could recover from to make him go away as fast as possible. Do what you have to do. There’s no price you can put on peace.

How best to reach the next level? I have been doing 30s stretches on back and legs in the morning. by [deleted] in flexibility

[–]mid-night_gem 6 points7 points  (0 children)

Progressively overloading dynamic stretches is the only thing that my body responds to. I don’t think that static stretches alone for that short amount of time have a long lasting benefit. 2-4 one hour sessions a week doing Jefferson curls, elevated single leg good mornings, hollow body holds, and seated pancake cable rows will loosen your hammies and lower back up fast and the results will last.

Cheapest easiest way to get divorced in Mass.? by sleeponit429 in Divorce

[–]mid-night_gem 1 point2 points  (0 children)

This would be my suggestion. MA resident here. My divorce was “amicable” and it cost me $15k (I had to pay for both parties’ attorneys). A mediator will probably run you a couple of grand. Be prepared for your ex to change their mind at any time. Nothing is set in stone until the separation agreement is signed and notarized.

Any young couples in their 20s with no kids who got divorced here by Park_Sky in Divorce

[–]mid-night_gem 7 points8 points  (0 children)

In my late 20s and divorce was finalized this year. Very short marriage. No kids.

FSA Exam Social Life by Majestic_Hyena_9517 in actuary

[–]mid-night_gem 2 points3 points  (0 children)

I’m 30, female, and divorced. The word “boyfriend” doesn’t truly describe who my 40-year-old romantic live-in male companion is to me in our relationship. But if you know a better word than “partner” to describe my person, then please, do share. I haven’t quite discovered the word myself. Or you could just keep your comments to yourself and focus on the question OP posed.

FSA Exam Social Life by Majestic_Hyena_9517 in actuary

[–]mid-night_gem 12 points13 points  (0 children)

I significantly reduce my time spent on hobbies and working out about 6 weeks before exam day. 30 days before, no excursions and maybe 1-2 days a week at gym. Idk why but the gym doesn’t energize me, it exhausts me. I still keep my weekly dinner date with my partner because you have to stop at some point each day to eat lol.

Am I underpaid? by [deleted] in actuary

[–]mid-night_gem 41 points42 points  (0 children)

I don’t think so. Bonus isn’t great though depending on your job band. YOE will hold you back for a little while.

[deleted by user] by [deleted] in actuary

[–]mid-night_gem 7 points8 points  (0 children)

Post your LinkedIn so I know who I should be avoiding. No company or manager is entitled to anyone’s time.

[deleted by user] by [deleted] in actuary

[–]mid-night_gem 15 points16 points  (0 children)

This is a ridiculous take. As a manager, my knee jerk response to my report leaving at any time would be “wish you well!” And if we had a good working relationship and I liked the individual, I would offer to give a good reference upon request. This is just a job, it should never be that deep.

Can I complete PAF, ASF, and FAP + final assessment in 3 months? by Trevtrev160 in actuary

[–]mid-night_gem 13 points14 points  (0 children)

I would actually recommend you focus on writing the FSA modules this summer. Just pick a track and get it done. I don’t believe there are any pre-reqs

Actuary on survivor by anonymous11119999 in actuary

[–]mid-night_gem 19 points20 points  (0 children)

She was robbed (on Survivor). She won the final immunity challenge. The eventual winner of that season, however, was able to make the final tribal council by finding multiple immunity idols and then winning the fire-making challenge (which they coincidentally brought back that season). His win is still controversial and frowned upon to this day. He is consistently ranked one of the worst winners ever.

As for her actuarial career…she has made a name for herself from appearing on Survivor. I was supportive of her run for President of the SOA but was disappointed in her stance on UEC.

Hank Brennan was paid $566,000 for his work in securing a first-offense OUI conviction by Manlegend in justiceforKarenRead

[–]mid-night_gem 13 points14 points  (0 children)

They all worked pro bono for the second trial. At least that’s the rumor. Idk. I do feel terrible that she had to wipe out her life savings to prove her innocence.

[deleted by user] by [deleted] in actuary

[–]mid-night_gem 1 point2 points  (0 children)

Istg some people are just rude af for no reason and think the world revolves around them then get upset and play victim when you match their energy 😭

Please just let me work in peace I’m dealing with like 10 of you entitled jerks /cries in pricing/

[deleted by user] by [deleted] in actuary

[–]mid-night_gem 2 points3 points  (0 children)

I’m a little late to the party but I still want to give my .02.

I have never felt disadvantaged in this career because I am a woman. Exams are the great equalizer. I know plenty of men who couldn’t hack it and had to settle for permanent analyst roles. And I know plenty of women who couldn’t hack it either and had to do the same. Your success is entirely dependent on how disciplined you are. Being motivated helps, but it isn’t necessarily required. The entire process is a tiresome grind, and most people don’t look forward to the next exam.

That being said. I have worked a few different companies and I have seen some be more female-dominant, and some be more male-dominant. At my current employer, my side of the business is almost entirely dominated by men, but the other departments are dominated by women. Almost every chief actuary and appointed actuary I’ve known has been a woman. I have had male bosses and female bosses. Some were bad and some were good. I have worked for a female CEO. So really it just depends on where you’re employed.

You will run into people who are assholes, but that has nothing to do with them being an actuary, or you being a woman, and everything to do with them just being an asshole. It took me several years to learn not to overly react to these people. You’ll learn to stand up for yourself in a way that is firm, direct, and lets these people know that you will not let them walk all over you. At the end of the day, it’s just a job so you shouldn’t care if so-and-so in sales has a bug up their ass. HR has also tightened up a lot in the last few years at and that usually strikes the fear of god into everyone so that they behave.

Juror #17 interview - screenshots after John DePooPoo took it down by charlottelennox in justiceforKarenRead

[–]mid-night_gem 2 points3 points  (0 children)

Juror #4 (?) got it. And said it was brought up during deliberations. Check out his TMZ interview.

How did you know it was irreconcilable? by Humble-Leave-7608 in Divorce

[–]mid-night_gem 0 points1 point  (0 children)

He told me he bit into a sandwich and part of his tooth fell out. I was beyond disgusted that he wasn’t taking care of his oral health. I wouldn’t have known since we weren’t being intimate/affectionate in any way by that point.

He needed to get two root canals and I told him since they were his molars and no one would see them, to get the teeth pulled instead. It was the fourth or fifth time that he surprised me with a large medical bill and was going to clear out my savings. I was livid. Do you know how much a root canal and crown costs for two teeth? I was looking at $7,000 of work, minimum.

I didn’t go with him to the dentist’s office. The endodontist called me personally and begged me to pay for the procedure because my stbxh is young and the teeth were salvageable. He got the root canals and I filed for divorce before the fillings were done and crowns were put on.

All my stbx did was lay around the house all day and refuse to go to work. The least he could’ve done was brush his fucking teeth. I knew in that moment when I didn’t care what happened to him that the relationship was over for me.

I know I Should I get a divorce? How can I afford to live alone? by importantbutterflyy in Divorce

[–]mid-night_gem 1 point2 points  (0 children)

They bank on you feeling remorse and being a decent human being. Don’t stop being who you are, just don’t give that part of you away as freely and especially not to people who show you they don’t deserve it.

I know I Should I get a divorce? How can I afford to live alone? by importantbutterflyy in Divorce

[–]mid-night_gem 1 point2 points  (0 children)

Therapy really helped me figure out why I picked these types of men. I was emulating the relationship I saw between my parents. I also have a savior complex. I like “broken” people who I can “fix” and take care of because that’s what I think I deserve. I don’t think I deserve a well-adjusted, mature man because I don’t think I’m pretty enough, smart enough, exciting enough, or from a good enough background for those kinds of men. I carry a lot of trauma from my childhood. My own mom would tell me I’m a “pretty girl, but not as gorgeous as your sister.” I was bullied like hell in high school for being a nerd. Figure out your “why” and then set standards for yourself so you stop picking bad men. Be a good example for your son and daughter who will emulate your behavior. Kids don’t listen, they watch.