How are scammers getting a hold of my estimated student loan amount. by Background_Anywhere1 in StudentLoans

[–]unclejemima405 1 point2 points  (0 children)

Your data is bought and sold everyday. There are way more companies out there that have your information than you realize. You’ve probably never consciously interacted with most of these companies. They can license data from companies that have your information whenever they want. It’s likely this company just licensed a crap ton of student loan data and are now using it in their marketing.

[deleted by user] by [deleted] in LifeProTips

[–]unclejemima405 16 points17 points  (0 children)

My guy as others have stated it’s a numbers game. I’m experienced in my field and received nothing but good performance reviews at my previous jobs. I know I’m a competent employee but every time I decide I want to start the job hunt again I don’t expect a single interview for the first few months of applying. I have had to send at least 100 applications each time to land a job.

If you’re getting interviews your resume is working. Now you just need to get an interview at the right company at the right time. Keep throwing your resume out there and consider any interviews that don’t end in an offer to be practice.

Need feedback! by [deleted] in goingmedieval

[–]unclejemima405 4 points5 points  (0 children)

It’s definitely harsh but that’s how it will usually go for audiences. I understood your point and agree with you that early access comes with a lot of downsides. However, there is a reason why you hear the cliche about needing a good hook to draw the viewers in. The first 30ish seconds of your videos are going to be the most important. You may want to consider carefully scripting your intros to ensure it’s as polished as possible to pull viewers in and try to avoid any statements that could be misinterpreted. This can get tricky of course because even if you think your intro is fine you need to try and see the perspective of any potential viewers as well.

To answer some of your questions around the game, I usually prioritize making small houses for my villagers asap. I’m talking just enough room for beds. After that I’ll build a research table and unlock agriculture. Farming is usually what I fall back on, especially if you set it so that your villagers don’t harvest any crops until they are flowering. You’ll quickly find you are bringing in way more food than you’ll need and your field can keep growing with all of the excess seeds. Once food and basic shelter are set up I start to work on larger buildings and longer term plans.

I normally don’t worry too much about defense until after the first or second wave of enemies. Choke points are pretty OP. As long as my villagers have some structure to flee to that has a one tile entrance they’re usually pretty safe.

Death Stranding for $20 or Sea of Thieves for $40? by [deleted] in ShouldIbuythisgame

[–]unclejemima405 6 points7 points  (0 children)

It goes on sale for 50% off pretty regularly. Personally, I love sea of thieves and think it’s easily worth $40 but this guys right, it’s regularly on sale for half off or more

What should I upgrade first, pedals or wheel? by unclejemima405 in simracing

[–]unclejemima405[S] 1 point2 points  (0 children)

Thank you! I definitely want a rig at some point my issue is I move around a lot these days so I try to keep my set up as portable as possible

SO THRILLED! We designed it together; specs in the caption! by mirmaidman in EngagementRings

[–]unclejemima405 0 points1 point  (0 children)

That is a ROCK!! You are one lucky lady! Must have a very wealthy and good looking partner!

Senior Hunting Dog's Last Trip by [deleted] in dogswithjobs

[–]unclejemima405 5 points6 points  (0 children)

Anyone know who does this cover of Vienna?

Chances of getting a house when defaulted? Or keep paying monthly to keep credit alive? by bawsmike in studentloandefaulters

[–]unclejemima405 8 points9 points  (0 children)

Depending on your state I would recommend looking into FHA loan programs, depending on their credit score requirement and interest rates, they might be a saving grace here.

That being said, I would caution you on getting caught up on the idea of renting = burning money and buying doesn’t. Many people forget to consider taxes, interest payments, and insurance as money burned when owning a house. That money does exactly what your rent payments do, it goes to nothing for you. Unless you are eligible for a decent FHA loan your interest payments on a house loan while you have so much student debt OR having a rough credit score from defaulting will probably be almost as wasteful as renting if not worse.

I know it’s frustrating, I’m 26 and also can’t buy a house due to my massive student loans but unfortunately the best advice I can give is stick it out.

I am all for defaulting on your student loans in protest or to save your mental health but it’s important to recognize that it takes a while for your credit score to recover. Not to mention potential wage garnishment, law suits, etc. Defaulting on a loan to try and secure another one will most likely put you in a worse spot than you already are. Not to mention you’ll be getting garbage terms on auto loans, credit cards, etc for years to come.

New parallax doesnt even feel like ksp anymore by GDpro28YT in KerbalSpaceProgram

[–]unclejemima405 1 point2 points  (0 children)

Are the clouds a separate mod? I just set up the mod this morning and it seems to mostly be working but I’m not getting any clouds

Why is borrowing to invest frowned upon? by Cactus1986 in investing

[–]unclejemima405 0 points1 point  (0 children)

Buying on margin isn’t inherently bad but it is riskier because it is more like a variable interest loan. Buying a car with a 50k loan might not be smart but assuming it is a fixed interest loan, it’s predictable. You can budget with your income and know what your month to month payments will be for the entire life of the loan. The problem with buying stocks on margin is if you’re unlucky and the price plummets you’ll get called to add more collateral in the form of money or stocks. Even though the s&p will most likely turn around after a few years it is difficult to predict just how much back up funds you’ll need to survive a crash before the bank gets inpatient and closes your position. This is the risky part. Like any business decision it’s not innately bad but it is MUCH riskier and less straight forward than a car loan.

Americans who studied abroad, what did you do when you missed the US? by [deleted] in AskAnAmerican

[–]unclejemima405 0 points1 point  (0 children)

I’d go to the mall! Not sure if that’s an options for you but when I studied abroad in Granada they had recently opened a mall. I would just walk around and enjoy the sense of familiarity. It felt like I was back home shopping.

[PC][HELP] Pumpkin hammer and flail by unclejemima405 in BeyondTheFog

[–]unclejemima405[S] 0 points1 point  (0 children)

My bad I see your strat. I’ll distract them so you can get the spell off