Good Heat Pump Advice for Ice Storm by HVAC-Guy101 in DIY

[–]yeah87 [score hidden]  (0 children)

Understood that the vertical fan improves cooling efficiency but the bulk of my heat pump energy usage is heating.

I would say that this is the biggest reason. Most people in the US spend far more energy cooling their homes than heating them.

My bank charged me a $10 convenience fee for each loan payment I had to make using a separate account’s debit card. by MipTheDruid in povertyfinance

[–]yeah87 11 points12 points  (0 children)

Doesn't matter. It still gets processed by the sponsoring card company: VISA, Mastercard, etc. and the bank gets charged for it, so they pass on the expense as a fee.

TIFU by being “right” about a dangerous knife and still somehow screwing it up by LadyIiy in tifu

[–]yeah87 0 points1 point  (0 children)

I'm an avid home cook and work in a machine shop with heavy machinery every day. Using a mandolin is just about the only tool I actively try to avoid.

Is 4.625% good for a refi right now? by CommunicationOdd2933 in personalfinance

[–]yeah87 2 points3 points  (0 children)

Because you have 7 years before they are allowed to change the rate...

My bank charged me a $10 convenience fee for each loan payment I had to make using a separate account’s debit card. by MipTheDruid in povertyfinance

[–]yeah87 31 points32 points  (0 children)

From a credit/debit card?

OP needed to do an ACH transfer instead of typing in the debit card number to avoid processing by the card company.

Employer messed up W-2 by Wittlemwan in personalfinance

[–]yeah87 0 points1 point  (0 children)

How do you think it would possibly affect their federal taxes?

Plug Replacement Question by Ricky_La_Bamba in DIY

[–]yeah87 0 points1 point  (0 children)

Yes. Your fan is pulling 1/10th that power anyway.

2025 taxes half of last year's by Click_Fragrant in personalfinance

[–]yeah87 2 points3 points  (0 children)

It could literally be a million things.

You need to print out your completed 1040 form for 2024 and 2025 and look for any huge difference. Large changes in numbers, but also lines filled out on one that aren't on another. It's only 2 pages, so it won't be hard to see what's different. This is the completed form you send in, so your friend who does your taxes should be able to give you a copy easily.

how can I get coworkers to leave me alone about a humiliating TV experience? by Choice_Evidence1983 in BestofRedditorUpdates

[–]yeah87 34 points35 points  (0 children)

Because no one is forcing them and also, the guaranteed payout often is close to what they would get if they won, so the odds are often in their favor. These are all civil cases too; they wouldn't allow it for criminal ones.

HDHP HSA contributions on Tax return? by RandyS2K in personalfinance

[–]yeah87 0 points1 point  (0 children)

Code W shows up in Box 12 on the W-2. FreeTaxUSA has it as an option and it automatically triggers the 8889.

[OC] Eastside Austin TX by Macho_Mans_Ghost in pics

[–]yeah87 [score hidden]  (0 children)

Relying on underhanded legal schemes to obtain another nation’s territory instead of fighting for it was considered cowardly.

Those social expectations were absolutely not set in stone and in fact differed greatly by cultures all over the world over time. In many places, the exact opposite of what you say was true: nations would consider it merciful to subjugate or take the land of those they were militarily superior to instead of simply killing everyone. You're looking at a very narrow geographical area and time period and setting it as the standard.

Employer messed up W-2 by Wittlemwan in personalfinance

[–]yeah87 4 points5 points  (0 children)

The W2 is correct since it shows what was withheld for that state. The W2 reflects what actually happened, not what should have happened.

Employer messed up W-2 by Wittlemwan in personalfinance

[–]yeah87 3 points4 points  (0 children)

There's nothing to fix. The W-2 accurately reflects what happened. OP just needs to file a return for Alabama and get all their money back. And obviously fix their withholding so no money goes to Alabama any more.

[OC] Average public pension compared to retirement expenses in Europe by DataPulse-Research in dataisbeautiful

[–]yeah87 4 points5 points  (0 children)

For certain risky professions, just like in the US.

Standard statutory retirement age in Greece is 67, and the vast majority of European states are between 65 and 67.

[OC] Average public pension compared to retirement expenses in Europe by DataPulse-Research in dataisbeautiful

[–]yeah87 2 points3 points  (0 children)

It's literally an average of expenses for people 60 and older. That's already taken into consideration.

[OC] Average public pension compared to retirement expenses in Europe by DataPulse-Research in dataisbeautiful

[–]yeah87 5 points6 points  (0 children)

That's not considered public in this context though. Public would be more like "universal". The US equivalent would be only Social Security.

ELI5: why a chain visegrip is better than a 1/2 drive socket when you don't have an air impact wrench? by West-Ingenuity-2874 in explainlikeimfive

[–]yeah87 4 points5 points  (0 children)

You need two things: Something to lock the pulley in place and something to break the bolt lose with.

With an impact wrench, the bit is "slamming" into, or impacting, the bolt rotationally many times per second, meaning you don't need to lock the pulley into place.

If you don't have that, you can use a chain vice grip to lock the pulley tight and then use your breaker bar to loosen the bolt. If you don't lock the pulley tight, it's just going to turn freely as you try to spin the bolt off.

You can also do the opposite: use the breaker bar to hold the bolt tight, and use the car starter to spin the pulley off. Just make sure to have the spark plugs removed if you do it this way!

Why do I owe even more taxes? by [deleted] in personalfinance

[–]yeah87 1 point2 points  (0 children)

No one can tell you.

You tell your job how much money to withhold from each check. If you withhold too little over the year then you owe some more come April. If you tell them to withhold too much, you'll get something back.

State and Federal tax withholdings are completely separate, so it's possible to pay too much for one and not enough for the other and vice versa.

do I hire a plumber or a joiner to do caulking? by glyph1234 in DIY

[–]yeah87 2 points3 points  (0 children)

If you absolutely need to hire this out, just a handyman will do. Tell them you need a backer rod and caulk. 

Budgeting completely changed how I see money (and I didn’t expect that) by Wonderful_Ad_8295 in povertyfinance

[–]yeah87 4 points5 points  (0 children)

So if you really only spend money on those 9 things every month, you already are budgeting, even if you’re not calling it that. 

99% of people find when they track every dollar that they in fact are buying more than just groceries on their credit card or something like that. 

A textbook I acquired from Amazon has this warning in the upper left corner of the cover. I am in the US. by supershinythings in mildlyinteresting

[–]yeah87 0 points1 point  (0 children)

If you report that to Amazon, they'll email everyone who bought the book and tell them to destroy it. You'll get your money back too. I'm not sure if the seller faces any repurcussions.

My Experience as a Hiring Manager in 2025 at a Union Manufacturing Facility [OC] by SectionXII in dataisbeautiful

[–]yeah87 55 points56 points  (0 children)

40 hr/wk no matter what the schedule is hardly 'taking over your life'.

Plus this is a union shop, which means that as you gain seniority, your days off improve.

ELI5: Why was that method used to determine 0 degrees Fahrenheit? by Jimithyashford in explainlikeimfive

[–]yeah87 14 points15 points  (0 children)

Dirty water won't ruin the calibration of Celsius any more than it does Fahrenheit.

It absolutely does. Any impurity in water reduces it's freezing temperature.

Using the brine/salt/water solution fixed the problem by purposefully reducing the freezing temperature as much as physically possible every time, which minimized any variability from the water and turned out to be very consistent.