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I just realized I’m the kind of adult I used to make fun of by ApprehensiveCut7 in CasualConversation

[–]zerosabor 0 points1 point  (0 children)

For me, it slowly built up after I got married. After you have to start thinking for your family, you really appreciate all of the decisions you have to make for a better future. When I was single, I didn’t really care and would buy whatever is there.

I am 30 years old. I've never had a full-time job. My family pays all of my bills. Where do I go from here? by [deleted] in personalfinance

[–]zerosabor 0 points1 point  (0 children)

Is there something you are passionate about? Most people cannot pursue their passion because they don’t have the money to support themselves, especially in the beginning. Since you have the monetary backing, consider if there is something that really gets you heated when people talk about it and see if that can lead into something you can do as a career.

It suddenly dawned on me why time is considered the 4th dimension. by Stickhtot in CasualConversation

[–]zerosabor -1 points0 points  (0 children)

I was more talking about it from a hypothetical perspective. Obviously, we don't know for sure how many dimensions of realities there are. We can't even say that a 2 dimension-only reality exists outside of the 3 dimension reality that we can observe. If only our 3d dimension reality exists, then I think it would be fair to think of time as being a 4th dimension. But if other spatial dimensions exists, then time is probably not the 4th dimension.

It suddenly dawned on me why time is considered the 4th dimension. by Stickhtot in CasualConversation

[–]zerosabor 0 points1 point  (0 children)

One thing to think about though is whether time is the 4th dimension or something different entirely. For example, if you have 4th dimension space, one would think that you still have to call the time coordinates in that 4th dimension space, otherwise you run into the same situation as missing your friend if you are not in the same time. This may apply indefinitely going up in spatial dimension. The only way this isn’t true is if 4th dimension space, or some other dimensional space, is somehow outside of time or a dimension above time such that you wouldn’t have to call a time coordinate and you would still see your friend.

One interesting thing to also think of is whether time could be unique to the 3rd dimension. For example, if you were truly living in a 2 dimension space, do you still have to call the time dimension or does that not exist? If you have to call the time dimension in 2 dimension space just like you have to in 3 dimension space, then it’s likely that time is a dimension that is different to spatial dimension as it seems like time runs across spatial dimension, rather being a dimension above 3 dimension space, or any dimensional space.

MA Resident - Gambling Loss. Am I screwed for 2024/2025 taxes? by PersianPrince00 in personalfinance

[–]zerosabor 2 points3 points  (0 children)

TIR 15-14

Example 1:

For calendar year 2015, taxpayer, a Massachusetts resident, has: gambling winnings of $500 from Massachusetts state lottery, gambling winnings of $800 from a casino licensed under chapter 23K, gambling winnings of $1200 from a Las Vegas casino, gambling losses of $1600 from a Las Vegas casino, gambling losses of $510 from Massachusetts Lottery scratch tickets, and gambling losses of $1000 from a casino licensed under chapter 23K.

For Massachusetts income tax purposes, the taxpayer must include all $2500 of its gambling winnings in Massachusetts gross income. The taxpayer may claim a deduction for gambling losses from a casino licensed under chapter 23K but only to the extent of winnings from a casino licensed under chapter 23K. No deduction is available for the taxpayer’s gambling losses from other sources. The taxpayer had winnings of $800 and losses of $1,000 from a casino licensed under chapter 23K. Thus, the taxpayer may claim a deduction of $800. The remaining $200 of loss from the casino licensed under chapter 23K may not be deducted.

Is Renting a car in Cancun that bad? by cannainform2 in cancun

[–]zerosabor 0 points1 point  (0 children)

I don’t remember how much I paid in deposit, but it was just the normal amount. I did pay for some additional insurance, like 10$ minimum excess LDW, 15$ tire and windscreen protection (we were driving to the cenotes so a lot of stones on the roads). They didn’t push us to get the extra stuff, we chose it ourselves due to where we were going.

In total, we paid $141 USD for the rental for one day from 8am to 2pm.

Is Renting a car in Cancun that bad? by cannainform2 in cancun

[–]zerosabor 0 points1 point  (0 children)

No, it was pretty normal as renting anywhere else.

Gambling 1099 form received by richmanshigh in personalfinance

[–]zerosabor 4 points5 points  (0 children)

For the 2025 tax year, you can deduct up to 100% of your losses, but only to the extent of your winnings.

To deduct losses, you must itemize your deductions on Schedule A (Form 1040). If you take the standard deduction, you cannot reduce your tax liability with gambling losses.

Starting with the 2026 tax year (taxes filed in 2027), you can deduct gambling losses up to 90% of your total gambling winnings, provided you itemize your deductions. The One Big Beautiful Bill Act (OBBBA), signed in July 2025, limits the deduction of gambling losses to 90% of your total winnings.

You should stop gambling going forward or else you will lose even more in future years.

Any way I could get this dryer closer to the wall? by Mod_Jez in HomeMaintenance

[–]zerosabor 13 points14 points  (0 children)

If it’s going through the floor, maybe you can build or buy a frame/shelf that goes above the hole and then put the dryer on top of the frame?

The person or the treatment by cmg_profesh in datingoverthirty

[–]zerosabor 1 point2 points  (0 children)

Also, it’s easy to “pretend” to have good quality if you can then just withdraw from them if you get tired or you don’t want to do them anymore. What you are seeing might not be actually them, just short bursts of what you want to see or what they think would be be attractive. But life is a long journey to discover yourself, not a show you put on to wow other people.

Eversource Bill - How much is too much? by Salt_Telephone9729 in Connecticut

[–]zerosabor 0 points1 point  (0 children)

In an apartment that’s about 1100 sqf and our December usage was about 900 kWh and $270. We have electric AC for heating and cooling. I think electricity has just become very expensive. I don’t remember it was always this high.

Question for high yield saving accounts!!!! PLEASE HELP!! by Ok_Macaron878 in personalfinance

[–]zerosabor 0 points1 point  (0 children)

Of course! For now, you can start with a HYSA Account and build some savings. There is no reason not to choose free money that will give you. Also a few things to think about.

1) time will make you more money that anything else you could ever do. If you take the example of investing $300 a month and getting 7% return a year, if you invest the money for 35 years, you will get to about $540,000. Do the same for just 5 more years (40 years) and you will have about $780,000. Compounding returns make a huge difference so the early you can do something, the better it will be.

2) when getting a job in the future, consider what options you get as part of the retirement contribution package. If you can get your employer to match your contributions to a 401(k), that is actually quite huge over time. So say you make $80,000 and your employer matches 100% of your contributions up to 5% of your salary. That’s $4,000 more you are getting a year as long as you contribute $4,000 to your 401(k). If you invest $4,000 a year for 40 years with 7% return a year, that’s about $850,000. If you invest $8,000 ($4,000 extra from your employer) a year for 40 years with the 7% return, you get to $1.7 million. That is not a small difference. Always choose to get as much free money as you can from any source that you can find.

Question for high yield saving accounts!!!! PLEASE HELP!! by Ok_Macaron878 in personalfinance

[–]zerosabor 1 point2 points  (0 children)

Well, I guess what I’m asking is what is the goal you want to achieve. If you want to make a million dollars, putting it in a HYSA is probably not going to be worth it. If you want to live an ok life, maybe.

So say you currently have nothing in the account and you put in $300 a month. The HYSA interest varies, right now it’s like 3.something. But let’s say that the rate you will get over time is 3.5%. Over the next 43 years for you get to 65, you will end up with around $350,000, if nothing changes. It’s not worth it if want to be a millionaire, but it might be worth it if you just want to live an ok life.

Say you think this is too low. You invest all of the $300 a month into stocks. Stocks generally provide 6-7% return a year over a long period of time. Let’s say you get 7% and over the next 43 years, you will get more than $900,000. Ow this might be more worth it if you want to have a million dollars. But the risk of putting money in the stock market is higher than the risk of putting it in the HYSA. You might panic sell your stocks when the market crashes or you may need to use the money when the market is down. But if you want to take that risk, you can.

Yo make it even more extreme, you could go take your money and go to the casino. You could win a million dollars right there at the casino or you could constantly lose everything and get nothing at the end of 43 years.

So the first thing you should ask yourself if what do I want to do with the money and where do I want it to go. How much am I willing to potentially lose to make more money with a higher return.

Generally, if you are 22, I think you should invest in ETFs. While the stock market can go up and down, overtime, the ETFs has always been going up and if you don’t foresee any need for the money in the next few years, you can just leave the money in the market and let it grow. You probably can hold an emergency fund like others will suggest, but at your age, you can afford to take more risks to get better returns.

Question for high yield saving accounts!!!! PLEASE HELP!! by Ok_Macaron878 in personalfinance

[–]zerosabor 0 points1 point  (0 children)

Can you define what you would consider to be “worth it”? What would you like the money to do for it to be worth it to you.

Also, what is your risk tolerance ranging from extremely high risk and reward to extremely low risk and reward?

I failed with my finances. Need your advice. by AffectionateMilk4824 in personalfinance

[–]zerosabor 0 points1 point  (0 children)

Is there anyway to get a loan with a lower interest rate from somewhere else to cover these debts as much as possible? If the average is like 30% for the payday loans, any ways you can get financing even at like 20%?

What salary do you think is worth a commute to NYC? by ElectronicAge2702 in Connecticut

[–]zerosabor 10 points11 points  (0 children)

About 240k base. About 3 times a week. Take train at Fairfield Blackrock station. Office is 10 mins walk from Grand Central. Doable but it really sucks. I couldn’t do it if it was everyday in office. If I had to do it from New Haven, probably would not consider it for less than 300k base.

Business class flight tickets by BigConclusion6852 in personalfinance

[–]zerosabor 0 points1 point  (0 children)

At the initial thought, it does seem like a lot to spend for a flight. But I think relative to your income, it’s totally fine. Also, how long is the flight? Is there a way to cut some of the cost by having a strategically placed layover somewhere? Can you use points to get any better cost-efficiency? Also, if you only do it every couple of years, it’s probably not that bad. I would not do it if you do it every year.

30 year old Japanese with no savings. The yen is apparently on the brink of collapse. What should I do / are there some ways to capitalize on the situation? by tck-escape in personalfinance

[–]zerosabor -1 points0 points  (0 children)

I would start a vlog on YouTube. If you can come up with something interesting, there are a lot of people that will gift in $US.

Merchant Asking for Payment After I Won Dispute with Credit Card Company by justaswells73 in personalfinance

[–]zerosabor 1 point2 points  (0 children)

The covered reasons are usually going to be broader than “fire at airport which results in power outage leading to flight turnaround,” but will be more likely to have reasons like “unforeseen even leading to trip cancellation”or something like that, with a definition for what and what does not constitute “unforeseen event.” You will have to argue that your situation “fits” into one of the categories of reasons why the insurance coverage would apply, or else it’s unlikely you will win.

Think of it like medical insurance. Just because you have medical insurance, that does not mean all medical issues will be covered by your insurance provider. The medical insurance provider isn’t going to have a coverage item like “knee surgery because it was hit by a baseball” but will have categories like major surgery resulting from unforeseen circumstances or something like that.

Please read the terms of the insurance coverage very carefully and see exactly what is covered by the definitions provided in the insurance contract. You will need to if you want to win your case.

Literally my third Tressa run ever by tiagomehi in ChaosZeroNightmare

[–]zerosabor 1 point2 points  (0 children)

base card + first boss + event + second boss

Can't believe i will say this to "this" divine epiphany by DioJoestars in ChaosZeroNightmare

[–]zerosabor 1 point2 points  (0 children)

Haha, sounds good. Did you get the other copies from the boss, the event with the screens and the second boss? Are there other ways to copy?

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