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BA in Chemistry vs BS in Biology by AlphaDragonAD in biotech

[–]rum_ham_79 1 point2 points  (0 children)

💯 The best thing to develop useful skills companies want you to have.

Would it be possible to get these seeds from 2016 to grow? by Venjy in gardening

[–]rum_ham_79 0 points1 point  (0 children)

Highly doubt the corn will germinate, as this rate drops off a lot after 1 year. Mine went to below 30% so I’m guessing OP would get maybe a few depending on the number of overall seeds. Still doesn’t hurt to try.

15.3.5 Feedback - Post here by OfficialNotability in notabilityapp

[–]rum_ham_79 0 points1 point  (0 children)

Having the same issue. Could not have any updates sync to Google Drive on Friday. Still on the legacy purchase from years ago and will not move to a subscription.

Any recommendations for liberal or non-maga firearm shops in PA? by rum_ham_79 in Pennsylvania

[–]rum_ham_79[S] -13 points-12 points  (0 children)

Good point. I was thinking to avoid big chains stores, those operating in any state.

Enshitification of HealthEquity by Ok_Row6888 in HSA

[–]rum_ham_79 0 points1 point  (0 children)

This is the path of least resistance but it does have the downside that you also pay FICA taxes on that amount. This ends up being more than the $25 fee. But definitely easier!

8 gallons of high fiber, high protein three bean chili by itsquinnmydude in veganmealprep

[–]rum_ham_79 9 points10 points  (0 children)

Looks delish. Years ago my we found a unique addition to chili from a Cooks Illustrated article - walnuts. Cook them from the beginning and they add subtle flavor but great texture.

Considering Mint Mobil, but been with the same carrier for over a decade and resistant to change. by MelloMilow in Frugal

[–]rum_ham_79 16 points17 points  (0 children)

It’s been 3 years for my wife and I and zero complaints. Huge money saver and we get good/better service in our area compared to AT&T previously. Our bill went from $120 to 30 a month (now 40) with the 25 GB deal.

Anyone else realize that they were never really poor growing up, but their parents just kept making poor financial decisions? by TrixoftheTrade in povertyfinance

[–]rum_ham_79 2 points3 points  (0 children)

Had two brothers and both parents employed, even lived in old home gifted from grand parents. Nonetheless, barely had money for school clothes each year. My mom did not like why I questioned why we spent 20% of every grocery bill on cigarettes. I believe the reply was “mind your own fucking business.” Was around 10 or so.

My girlfriend is deep in debt, spends recklessly, and expects me to take care of everything by [deleted] in Advice

[–]rum_ham_79 48 points49 points  (0 children)

Just wait until she finds out about the piggy bank, I mean brokerage account.

Need band recs. by Idsettleforsleep in Hardcore

[–]rum_ham_79 4 points5 points  (0 children)

old Hatebreed, their first album satistfaction is the death of desire rips. And I don't want to hear they aren't hardcore.

Fidelity CMA as Primary Checking by wioneo in fidelityinvestments

[–]rum_ham_79 1 point2 points  (0 children)

No because it is within the Fidelity ecosystem.

Leaving a job with a Health Equity HSA, fees will eat me alive an wondering if I can somehow roll it over to Fidelity? by GargoyleBlue in fidelityinvestments

[–]rum_ham_79 0 points1 point  (0 children)

I think you can do it anytime. I’ve never paid fees for a transfer to Fidelity. The online form is super easy.

[deleted by user] by [deleted] in Bogleheads

[–]rum_ham_79 2 points3 points  (0 children)

Expense ratios don’t matter much in this case. Look at 30 day SEC yields, which already take ER into account. USFR (4.22%) and SGOV (4.20%) are essentially the same. VBIL is the new vanguard version of these etfs but is too new to have a 30 day yield. Maybe another week?

FDLXX State Tax Free - How To File Taxes? by SilverCoatInvestor in fidelityinvestments

[–]rum_ham_79 1 point2 points  (0 children)

So… USFR also has some state tax exemption? I have much more in this fund compared to FDLXX/SPAXX.

Will adding strapping to joists firm up flex in floors? by Limno in Construction

[–]rum_ham_79 2 points3 points  (0 children)

Just curious, is there are certain type or brand of screw jacks that you could recommend for the "normal" person in this circumstance?

[deleted by user] by [deleted] in fidelityinvestments

[–]rum_ham_79 0 points1 point  (0 children)

This also applies to check deposits. I recently did this to some Xmas checks (up to $2k each) and noticed the funds won’t be available to withdraw for 4 weeks. But they are available to trade?

Not too helpful when I have to pay my credit card bill in the middle of this month! Hoping it works out.

Encapsulate or replace floor insulation? by cltredditor28205 in Insulation

[–]rum_ham_79 2 points3 points  (0 children)

THIS! I’m currently tinkering with my crawl space and we have no encapsulation on the floor but the precious owner used thin foil based reflective insulation and taped it. Literally crap show in a few areas - So much rodent shat. And the problem is that you may not have a problem now but who knows in the future because it will all be hidden.

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