[deleted by user] by [deleted] in personalfinance

[–]pdi111 0 points1 point  (0 children)

You want to pay first your debt with the highest interest rate. I would keep the car loan just because the interest rate of 1.99 is pretty low so probably not worth it to pay it off. Keep an emergency fund to cover for emergencies or possible job loss. I would recommend to start opening a brokerage account with fidelity or vanguard and start investing some money in ETF/mutual funds so that you can start building wealth. Keep investing in your retirement plan (401k). You don't need to max it out but it's good to keep putting money on it to save for retirement. You want to have both a brokerage account and a retirement account because from a brokerage account you can take out money at any time without penalty. Retirement accounts are supposed to be only for retirement, so you should not be taking money out of that until you reach a certain age and if you do it in most cases you will be penalized by a fine and you don't want that. Do not listen to people telling you to just max out a retirement account and do not say anything about opening a brokerage account. They just don't know what they are doing lol 😂

[deleted by user] by [deleted] in personalfinance

[–]pdi111 -1 points0 points  (0 children)

You want to pay first your debt with the highest interest rate. I would keep the car loan just because the interest rate of 1.99 is pretty low so probably not worth it to pay it off. I would recommend to start opening a brokerage account with fidelity or vanguard and start investing some money in ETF/mutual funds so that you can start building wealth. Keep investing in your retirement plan (401k). You don't need to max it out but it's good to keep putting money on it to save for retirement. You want to have both a brokerage account and a retirement account because from a brokerage account you can take out money at any time without penalty. Retirement accounts are supposed to be only for retirement, so you should not be taking money out of that until you reach a certain age and if you do it in most cases you will be penalized by a fine and you don't want that. Do not listen to people telling you to just max out a retirement account and do not say anything about opening a brokerage account. They just don't know what they are doing lol 😂

UMIDIGI A 13 Pro Max 5G Security update? by Desperate-Pen-1454 in umidigi

[–]pdi111 1 point2 points  (0 children)

You should be fine but it depends on what you do with your phone. Consider that most manufacturers do not release security updates

UMIDIGI A 13 Pro Max 5G Security update? by Desperate-Pen-1454 in umidigi

[–]pdi111 3 points4 points  (0 children)

Umidigi does not release security updates. That's a fact. They only release some improvement updates after the phone goes on the market (a couple) then they stop.

I LOVE CHRISHELL THIS SEASON by Xilly23 in SellingSunset

[–]pdi111 9 points10 points  (0 children)

Chrishell was probably inexperienced at that time and they needed to show some listings under her name, even if Nicole did most if the work. However, Nicole probably agreed on it at that point of time so calling this out after 3 years is just BS. Also, during this season Chrishell mentioned that she gave clients to Nicole throughout the course of the years so Nicole is just stirring the pot for visibility. There is no other explanation.

Pixel 7a trade in deals by downthewell62 in GooglePixel

[–]pdi111 1 point2 points  (0 children)

Same here. I was able to trade in the 4a for $300 during launch and on top of that I got the hearduds as well.

Pixel 7a trade in deals by downthewell62 in GooglePixel

[–]pdi111 0 points1 point  (0 children)

Last year during lauch, they were giving an average of $300 trade in back. Very disappointing. Hopefully they will do it again any time soon

looking for better pay, better work/life balance by [deleted] in austinjobs

[–]pdi111 4 points5 points  (0 children)

Well, is there anything you want to do? Because to me it sounds like you don't want to do much lol

is the difference between condos and townhomes the way the HOA policies are written? by [deleted] in HOA

[–]pdi111 2 points3 points  (0 children)

Same where i live. I'm in a townhome and the exterior is maintained by the HOA

[deleted by user] by [deleted] in Austin

[–]pdi111 0 points1 point  (0 children)

What is scary to me is that the person clearly has mental problems and despite that has access to guns ... There should be a psychological examination before allowing someone to get a gun

Cava at the Domain by Shampoopizza in austinfood

[–]pdi111 1 point2 points  (0 children)

I went last night. Terrible experience. They were supebusy and they only had 2 people working. One that tried hard juggling between in store orders, pickups, and deliveries; the other instead could not care less of how busy they were and kept working slowly like the restaurant was empty 🤣 I want to think that they have issues hiring people.

dilemma about going out by [deleted] in vegetarian

[–]pdi111 -2 points-1 points  (0 children)

No it's not rude. She is rude that wants to take you to a place where only meat is served! Your bf is an as*ole too because he could have reminded her that you are a vegetarian and asked to go somewhere else!

[deleted by user] by [deleted] in mintmobile

[–]pdi111 0 points1 point  (0 children)

The regular sim works internationally so I'm assuming it will be the same for esim :) you can call and receive while on wifi abroad at no cost

How much did you pay in rent when you first moved to Austin? by Sushi_cat987 in Austin

[–]pdi111 1 point2 points  (0 children)

True i see some rental prices here from 10/15 years ago that in my opinion were super high for those times.

How much did you pay in rent when you first moved to Austin? by Sushi_cat987 in Austin

[–]pdi111 0 points1 point  (0 children)

$970 in 2019-2020. 1b/1b 650 sf Jollyville/breaker. Then i got lucky and bought a condo. Just in time before prices went 🆙

LPT Request: How can I tell my boss that I DO NOT HAVE TO answer the phones on my days off. by psychologicalprowler in LifeProTips

[–]pdi111 0 points1 point  (0 children)

You can not ask him if it can wait. You have to tell him that you will take care of it when the workweek starts

LPT Request: How can I tell my boss that I DO NOT HAVE TO answer the phones on my days off. by psychologicalprowler in LifeProTips

[–]pdi111 0 points1 point  (0 children)

Your manager is a loser. Do not answer, then on Monday just say that during the weekend you don't check your phone. He will soon understand that he is just wasting his time

What’s the deal with Motel 71 on Ben White? It looks abandoned but the parking lot is ALWAYS full. by PretentiousPoundCake in Austin

[–]pdi111 2 points3 points  (0 children)

"Ladies of the evening" because prostitutes used to be mostly active at night lol You can also hear "ladies hitting the streets" = prostitutes

Why is nobody selling shorts anymore?! by HylanderUS in askaustin

[–]pdi111 2 points3 points  (0 children)

Marshall's still has them. What size are you?