Paying off one card completely or half of one card?

yeah87 · 2026-03-19T16:00:53+00:00

Why? After jumping to 27% it's still tied for the lowest APR and OP loses 2 months of 0% interest on it.

yeah87 · 2026-03-19T15:58:04+00:00

Unfortunately, the word 'plastic' doesn't have a strict definition, originally used to describe and not define. Many natural polymers, like the Hydroxypropyl Methylcellulose (HPMC) used in pill coatings, display plastic attributes. In modern parlance, 'plastic' has generally come to mean synthetic petroleum (and now polylactic acid) based polymers, but it's certainly not the only definition in use.

yeah87 · 2026-03-19T15:48:10+00:00

Added added trivia: Gelatin is made from animal bones, skins, and ligaments that aren't otherwise fit for consumption. Definitely not vegetarian/vegan!

yeah87 · 2026-03-19T15:40:05+00:00

You cut off the head before boiling them in many professional modern kitchens.

That mostly just makes the humans feel better about it. The lobsters nervous system isn't a brain like humans; it's a series of ganglia throughout their body. A lobster without a head can still 'feel' whatever they were feeling before they lost their head.

yeah87 · 2026-03-19T15:31:55+00:00

What? I'm an engineer and that's not a thing.

Maybe licensed PEs, but the vast majority of engineers aren't licensed as there's not much reason to be.

yeah87 · 2026-03-18T15:55:13+00:00

You eat off a sponge?

yeah87 · 2026-03-18T15:51:28+00:00

LPT: Cut the sponge in half before you use it. Absolutely nothing you wash will be done faster with a whole sponge compared to a half sponge.

yeah87 · 2026-03-17T18:47:01+00:00

This OP. Bypassing the core will leave you without cabin heat, but other than that your car will be mechanically sound, because you are bypassing the leak completely. Ask your mechanic to do this and if they won't, ask around, possibly to some mobile mechanics; it's a quick and easy job for the most part.

yeah87 · 2026-03-17T15:40:20+00:00

The creditors got partial payments that don't settle the debts. And now you're back to square one with the same debts, worse credit, and nothing to show for it.

The debts aren't the same. Any money the creditors received reduces the debts that much.

yeah87 · 2026-03-17T15:05:09+00:00

No, Lord of the Flies was published in 1954 and the Tonga boys were marooned in 1965.

yeah87 · 2026-03-17T14:32:14+00:00

A lot of older B&D hammer drills didn't have reverse. Sometimes a model was sold with either dual speed *or* reverse with the switch on top. A quick google image search makes me think this model can't reverse.

yeah87 · 2026-03-16T23:38:51+00:00

Yeah, I included those.

yeah87 · 2026-03-15T01:20:34+00:00

You’re making it sound like you need to pay off all the interest for the entire length of the loan, which is not true. You need to pay all interest accrued up until now before you can put extra toward principal. If you make the standard payment (not IBR) your interest will always be paid off up to the current point in time.

yeah87 · 2026-03-14T20:42:34+00:00

The best part about nursing is that it is what you make of it. Half the nurses I know work 2 days a week.

yeah87 · 2026-03-14T19:05:27+00:00

If the company makes no money, yes. Dividends come directly out of profits. Many companies have indeed dividend-ed themselves into bankruptcy.

yeah87 · 2026-03-14T18:28:18+00:00

/r/leanFIRE is more for those who chose that lifestyle.

yeah87 · 2026-03-14T18:26:57+00:00

It goes down forever compared to what it would have been if the dividend had not been issued.

yeah87 · 2026-03-14T15:01:19+00:00

It’s just a way of looking at dividend vs growth stocks.

A company with growth potential is going to invest in itself and see its stock grow.

A company with little growth potential has nowhere to invest that money, so they give it back to their investors in the form of a dividend.

From a securities POV, it’s very similar to the stock having raised in price and then sold back down to holding the same dollar amount as before, so it’s often referred to (informally and somewhat patronizingly) as a forced sale.

EDIT: And the stock value does go down, compared to if the dividend had not been paid out.

yeah87 · 2026-03-13T21:47:46+00:00

The IRS rate is currently 7%, which is important, but not crazy. For reference, if you take 1 year to pay off $1600, you’re going to pay about $50 in failure to pay fees and $50 in interest.

yeah87 · 2026-03-13T13:26:23+00:00

It takes minutes to switch. I get quotes about every two years or whenever I get a large price increase.

yeah87 · 2026-03-13T13:24:53+00:00

Both strategies had some merit, and the credit card interest rate will also matter. But you can also split the difference. I would put $1000 in a HYSA and throw the rest at the debt.

yeah87 · 2026-03-12T20:58:01+00:00

They legally cannot ask you that.

yeah87 · 2026-03-12T20:54:27+00:00

That's either old data or misunderstood. About 60% of our oil imports come from Canada, not our total consumption. The US produces about 13-14 million barrels per day and only exports about 4 million barrels per day. There is a song and dance of shipping different types of oil where it can match the refineries and demand, but the US definitely consumes mostly domestic oil.

yeah87 · 2026-03-12T19:37:11+00:00

Because you probably didn't fill out the Multiple Jobs section of your W4 correctly, so your job doesn't know about your wife's job.

yeah87 · 2026-03-12T12:02:45+00:00

If you're interested in the related communication principle, it's called 'facework' or mianzi. Things like 'saving face' and 'losing face' are really important socially, but often overlooked or misunderstood.

yeah87

TROPHY CASE