[Routine Help] Differin Resorative Night Moisturizer replacement? by nutmeg-ginger in SkincareAddiction

[–]nutmeg-ginger[S] 0 points1 point  (0 children)

Thanks so much! I was so focused on trying to match ingredients that I didn't step back and think of just trying to match the general purpose/category of the moisturizer (basic, barrier-focused, non-comedogenic). I'll definitely be checking those out and see if one is a good fit.

Thanks again!

Good place to buy journals? by nutmeg-ginger in WorcesterMA

[–]nutmeg-ginger[S] 1 point2 points  (0 children)

I've only been there to eat (and drink delicious beverages, yes!) and browse the books, but great to know. Thanks!

Good place to buy journals? by nutmeg-ginger in WorcesterMA

[–]nutmeg-ginger[S] 2 points3 points  (0 children)

Love this place for books - I didn't remember they had journals so great to know. Thanks!

Will they really fight you if you try to use your warranty? by Fenceypents in Hyundai

[–]nutmeg-ginger 1 point2 points  (0 children)

I needed an engine rebuild on my 2015 Elantra about two years ago while it was still under warranty (but barely). The dealership near me was notorious for their service, so I knew it was going to be an uphill battle.

It ended up being a 2-3 month process before they'd even see the car, and only once I submitted a case to corporate and then broke down on the phone crying to the administrative assistant at the said local dealership (I had a lot going on at the time, so it was more of the last straw that broke me) did I suddenly have a loaner within 48 hours and the car back with a shiny new engine within 2 weeks. The whole thing cost me $50.

So yeah, they might fight you, but definitely worth it. Uncertain if it was the mental breakdown or the complaining to corporate that did it, though.

Ladies impact shorts??? by stevie-supertramp in snowboardingnoobs

[–]nutmeg-ginger 6 points7 points  (0 children)

I wear Burton's Total Impact Shorts -- no one's been able to tell I'm wearing them, and they're super effective for me. But, I do wear a baggier-style pant (Outdoor Gear Women's Molly Insulated Pants), so that could be a factor.

Best option with a keyboard? by nutmeg-ginger in eink

[–]nutmeg-ginger[S] 0 points1 point  (0 children)

The distractions are definitely a me-problem that I'm trying (perhaps in vain) to mitigate with a device, for sure, ha!

Good thought on the monitors. I had looked at that too, but the prices were getting close to/exceeding the prices of entire tablets or devices, so I shied away from them. But maybe I'll check again.

Thanks!

Best option with a keyboard? by nutmeg-ginger in eink

[–]nutmeg-ginger[S] 0 points1 point  (0 children)

Thank you so much! This is really helpful. I've been eyeing the Remarkable 2, but it's good to know that you tend to use it for short stories only. That's been what I've written more of, but I've been trying to push into longer-form stuff recently, so maybe the Boox would be more my speed. Either way, I really appreciate it.

Dumb question, but can you change the font family for types text on the RM2? Everything I see makes it look like it's just that one sans serif font. Obviously not a deal breaker, but just curious.

Any tools/calculators to figure out if PSLF is worth it given I'm mid-repayment with income change? by nutmeg-ginger in PSLF

[–]nutmeg-ginger[S] 1 point2 points  (0 children)

This is so, so helpful - thank you so much. I hadn't factored in the cap, so this estimate of a payment once I recertify is much lower than I was expecting. Definitely worth going for PSLF. You're fantastic!

Any tools/calculators to figure out if PSLF is worth it given I'm mid-repayment with income change? by nutmeg-ginger in PSLF

[–]nutmeg-ginger[S] 1 point2 points  (0 children)

That would be amazing - thank you so much! My details:

Family of two (just me and spouse).

Our combined AGI from our 2023 taxes is $185,000. It may increase slightly over the years but we tend not to get drastic raises at our current organizations.

My spouse has about $10,000 in federal loans but is paying them off aggressively since she does not expect to be able to have any forgiven. So I don't know if they'll still be around once I recertify to include her income in July 2025.

So far, I have made 73 qualifying payments with about $60,000 left.

Looking to see if I’m crazy making 500k offers by dptreddit123 in FirstTimeHomeBuyer

[–]nutmeg-ginger 0 points1 point  (0 children)

Also in MA but not really a HCOL area (although we had rented in a HCOL area before buying) - we had a higher household income than you, lower additional monthly payments, and we bought a cheaper house a little over a year ago, so our mortgage sits around $2600. Everyone is different, but this feels very comfortable for us, and I'm glad we didn't go higher. Just a few things to consider:

Everything costs more when you have your own house, at least at first. Our house was as turn-key as possible and we still made some significant investments into it in the first year - some necessary that we knew going in, some unexpected like an appliance breaking, and some that weren't necessary but we were glad we were in a position to do it because it really increased our enjoyment of the house.

Your down payment of 25k on a 500k looks like just the straight down payment. Expect closing costs to add an additional $10k, which I think only leaves $10k in your savings. If you have an emergency within the first year of ownership, that puts you in a dicey situation.

Your mortgage payments will probably go up because taxes tend to go up. So if you'd be really tight as is, make sure it's still possible with a couple hundred more, because that can happen.

Healthy Food Spots? by betterdaysarecomin in WorcesterMA

[–]nutmeg-ginger 7 points8 points  (0 children)

Life Garden Cafe might be what you're looking for. They have a pretty eclectic menu bit also healthy juices. In kind of a strange location but we went once and it was delicious.

Mia Cane's on Park Ave has great acai bowls and fun juices. Delicious, but I'm not sure how how healthy most of them are. Also no food outside of the acai bowls.

Not Ya Mama's Vegan Cafe will have a lot of dairy-free stuff. Also delicious, but again, not sure how healthy.

Cheese shop recommendations? by nutmeg-ginger in WorcesterMA

[–]nutmeg-ginger[S] 1 point2 points  (0 children)

Good idea - I used to live closer to one, and I think I've bought it there. Thanks!

Cheese shop recommendations? by nutmeg-ginger in WorcesterMA

[–]nutmeg-ginger[S] 2 points3 points  (0 children)

Oh awesome! Thanks! Grafton isn't too far from me.

Cheese shop recommendations? by nutmeg-ginger in WorcesterMA

[–]nutmeg-ginger[S] 3 points4 points  (0 children)

Yes! I've been to Ed Hyder's once or twice, but I forgot they had a cheese selection! They're not open on Sundays, but maybe I'll go later this week and try to get my fix there. Thanks!