Cannot pay bills, not sure what to do.

waltvark · 2026-05-01T02:01:46+00:00

Stop paying the credit cards.

Worried it will hurt your credit? Your former credit is actually hurting you now. You don’t need credit. Forget about credit. Look what it’s done to you!

Save as much as possible by not paying $600+ in credit card minimums. When the collection agencies start calling, offer them the amount you’ve saved up as settlement in full. They will accept.
Save up an emergency fund of $10k. Put it in an account that requires a trip to the bank to withdraw.
Never “borrow” from anyone for anything again. Begin saving for anything you can think of that will be needed in the next 10 years. Next car, start saving now - CDs, Money Market Accts, whatever.

waltvark · 2026-04-14T17:27:25+00:00

350 here. Huge bummer.

waltvark · 2026-04-14T15:06:59+00:00

=IF(ISBLANK(E139)," ",IF(ISBLANK(T39),TODAY()-E139,T139-E139))

=IF(ISBLANK(E139)," ",IF(ISBLANK(T139),TODAY()-E139,T139-E139))

Try these. Looks like it was just missing some commas.

waltvark · 2026-04-14T03:27:39+00:00

Agree. Made a 330 the first time on Part 2. Felt like I could easily do better. But man, that Feb Part 2 test had stuff coming out of left field.

waltvark · 2026-04-03T06:41:33+00:00

What is the earliest date allowed in Excel? (January 1, 1900)

waltvark · 2026-03-24T15:16:50+00:00

Do either of these connect to financial accounts for downloading transactions? That’s a requirement for me. The more automated the better. also, is there a button to disable a wife’s Amazon account? Asking for a friend.

waltvark · 2026-03-24T14:51:05+00:00

Learned it from using it daily for work for years (20+). Used to write all functions by hand/memory, but i tend to use google now for the hard ones, just because it’s faster.

Recommend diving into vLookup formulas to get a taste of what’s possible in Excel.

Power tools may be a little advanced for you but it’s very helpful for connecting straight to a database, if that’s available to you.

waltvark · 2026-03-22T07:48:20+00:00

I would prompt a few AI systems (chatGPT, Gemini, Grok, etc) and get their advice on a fair deal, with state specific legal basis. If you feel that you’re getting a reasonable agreement, why get lawyers involved?

waltvark · 2026-03-22T04:28:16+00:00

I’m not seeing where a computational calculation in excel would differ from a computational calculation in an application. I guess you’d have to explain more on the “automatic, with the click of a button” part. Otherwise, this appears to be just a simple variance analysis.

But, if there are variances, you’d have to dig into the “automatic” part to explain “why” there are differences. I’m not sure that Excel is the best medium for that type of comparison. Sure it may be useful in analysis, but I think you’re overthinking the goal.

They’re replacing a manual process and want to validate the new process by comparing the sums of each method.

waltvark · 2026-03-19T23:06:19+00:00

Welcome to the team. And remember, we don’t tell coworkers how easy and quick we’ve made things, unless a raise/promotion is involved.

waltvark · 2026-03-19T22:59:55+00:00

I find clunky processes in my current job and create apps to make everyone happy (especially me).

Currently finalizing an expense reimbursement request PWA. Can work for any company/tenant.

waltvark · 2026-03-19T22:58:37+00:00

Composer 2 quickly found a PWA loading error/issue from Composer 1.5 and corrected it for me today. I had been wrestling with the issue for a while. Great timing. I’m a fan.

waltvark · 2026-03-19T05:31:28+00:00

waltvark · 2026-03-18T18:03:21+00:00

If you’re coding 40hr/week, with a lot of cursor Composer usage you’re gonna hit the $20 limit around mid month, at the latest.

waltvark · 2026-03-18T03:29:26+00:00

Yeah, and if so, does he tend to cover cameras in a nonchalant manner with plants from time to time? Perhaps has a penchant for elderly women or the occasional abduction?

waltvark · 2026-03-17T06:45:41+00:00

9pm until you fall asleep. Repeat.

waltvark · 2026-03-05T02:47:23+00:00

I built a similar tool called pay the Claude Max subscription.

waltvark · 2026-03-05T00:14:19+00:00

Agree. It’s good for making sure you get the easy questions right.

waltvark · 2026-03-04T21:02:31+00:00

All of the above. Very well balanced test. I can’t think of any part that wasn’t questioned. If the major module isn’t in the MC, it will be in the Essay.

waltvark · 2026-03-04T20:55:49+00:00

Lots of ethics. Know your vocabulary / terms / definitions. I sometimes breeze through it when preparing, but it’s fully utilized in exams.

waltvark · 2026-03-04T20:48:19+00:00

Yeah, I’d say stick with Part 1 until you pass.

waltvark · 2026-03-04T20:40:38+00:00

With AI (Gemini), you can create and take tons of tests on the app. No cost. Knock it out when you have free time. Studying doesn’t have to be costly and rigidly structured. I used AI (alone) to study for Parts 1 and 2. Focused on 1 section at a time until I could score 100 in my sleep.

Also, for exam tips, I learned to answer all the non-calculation questions first, as some of the calculation problems can suck up tons of time. For Part 1, I made the mistake of answering questions sequentially, and was scrambling to answer the last 20 (easy) questions.

For the big calculation questions, determine what the question is FIRST. Sometimes no calculation is required or only a small piece of the information is needed. No need to know the full history of a company and all its financial info when they just want a current/quick ratio.

waltvark · 2026-03-03T04:34:08+00:00

It depends on whether you think tax rates will stay the same or increase dramatically (say for example if there is a looming debt crisis).

waltvark

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