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$40k/yr is certainly not even close to poverty level if you truly live in one of the lowest cost of living areas in the US. Why are you abbreviating cost of living?

Keto 101 is actually to stay away from most fruits because of the sugar content, but he's hinging every single belief of his on that one principle of staying in ketosis, when he doesn't need to stay in ketosis.

I have no real experience with Betterment yet to speak of. I opened my account up less than a month ago so I don't have any history. I just get 2 years free if I get 3 people to sign up using my referral link. I'm such a shill.

I don't know about apple pies, because I think cooked apple is an abomination. But fresh apple slices with cheese, pretty much any kind of cheese, are awesome.

My betterment account rebounded pretty strong today. By the way, if anyone is interested in trying it out you can use my referral link to get 90 free days instead of the 30 free days you'd normally get. PM me if interested

The companies pulling yourcreditscore to put it on your statements aren't doing what they call a "hard pull" (actually making acreditinquiry) as I understand it. What are inquiries and how do they affect my FICO score? Also, applying forcreditcards have very little effect on...

Have you ever actually read up on that? Just because you shouldn't eat most fruit while trying to stay in ketosis in the true ketogenic phases of a low carb diet doesn't mean it's unhealthy. Certain fruits have very little nutritional value. Watermelon for instance. Other fruits are...

A lot ofcreditcard companies and banks are offering it with your monthly statements now free of charge. You can also get it for free every 3 months from mint.com

Thecreditcheck when you first open the cards can effect your score a few points but it rebounds pretty quickly/easily. I have 6creditcards, plan on opening about 5-10 more in the next year just for sign up bonuses to create "free vacations" and maximize cash back potential. Mycreditscore is 817...

Paying off your mortgage early shouldn't be difficult if you didn't borrow more than you should have. I have $219k left on my loan. I really wish at this point I hadn't gone with an FHA. The big saving grace for me is that it's a duplex and almost the entirety of the mortgage payment is covered...

Not sure how you were invested but the bond funds are the culprit in my Betterment account as far as why it's down. Why pull out so fast from a long term investment account?

They're all bored housewives who do no actual work but get paid exorbitant commissions anyway? Oh shit you're right...

You didn't think milk, ice cream and cookie dough condensed into a gigantic 32 oz milk shake would be crazy calories? I'm actually surprised it's not more than that. Who the hell orders a big gulp sized milk shake?

LinkedIn is a must honestly. There is no good reason to not have it. It's very easy to ignore emails and that's all they are. Emails.

I don't think you can really claim a city is laid out terribly and awful to drive through until you've driven in Boston.

The verbiage on that website is absolutely atrocious. Holy shit.

Respect

Make sure you workout bro. Then you could be her new Alpha fucks since she married the Beta bucks. Right? You should already know when she's ovulating, and that's when you'll have your best chance.

Software is probably the easiest industry to fill positions for so I wouldn't be surprised if it's a bit different in other fields. However, the story you were told by the recruiters who were trying to talk you into paying fees sound like typical snake oil salesmen.

I've heard so many mixed things about this that I have no idea. I've heard people say idling is bad for the engine. I've heard people say let it idle til it hits 1500 rpm then do whatever. I've heard people say let it idle for at least 5 minutes. Who the fuck knows? Not me!

Interesting Lyrical. I can tell you, as someone who's worked with recruiters my entire professional career in Software, I have never once heard of a recruiter trying to charge the employee. They always charge the employer.

Recruiting firms do indeed work "the other way around". You can and should definitely contact a few IT recruiting firms in the area you wish to relocate to. However, you should note that companies will almost always look at resumes of candidates who do not need to relocate to fill the position...

What's the benefits package like at Google? I would assume healthcare is pretty great but what's the vacation/PTO like? Working in software in a major metropolitan area for a bit and getting your salary to those levels can be a major boon simply because you can then leverage that salary and...

It depends on the card really. The better the rewards the higher the APR typically because they know people are more willing to push spending limits when they have cards with good rewards. They also do it for cards that offer huge sign up bonuses. People rush to meet the spending quotas which in...

Someone hasn't seen season 2...

Well I was talking more to Borzak about using Credit Cards. But you should know 12.9% is not a terrible rate at all. My FICO score is 817 and I regularly get offers at 14.99% or higher at 25k credit limits. That's just how credit cards are, it's why you don't want to ever carry a balance.

Head over "Heals" is definitely an RR style typo.

Worrying about the percentage rate on a credit card is weird. Being afraid of credit cards is also weird. Just use them as if they were cash, never charge something you can't immediately pay off in the same day. Not using credit cards is actually a waste for you as a consumer. You're...

What I want to know is how much do the dope ass laundromat front loaders that have been around forever go for?

Exactly

Why do people buy front loaders?

These are 5 year adjustable rate mortgages, not 5 year loan rates. The payoff term is still 30 years, the rate adjusts every 5 years. And I am looking to do that because I have the ability to pay off the loan in full in the next 5 years. Also, your teaser introduction rate theory sounds...

Why do you make it so hard to be friends?

You put fruit on pizza?!?!?!?

But why does the burrito have ass cheek dimples when it's done? I'm surprised this is even a discussion, the first 4 part diagram is clearly wrong. With all the Chipotle vs Moe's vs QDoba vs Whatever else fast food burrito join talk there is in here how have you never watched while your...

Pretty sure that diagram has downs Abe.

Woops that was a typo, the 5/5 ARM from my credit union at 2.75% was quoted as $894/mo, not $849.

I'm currently in the process of deciding if it's worth it to refi my mortgage to a 5 or 7 year ARM. I plan on having it paid off within 5 years anyway but the numbers these companies are giving me seem dubious. My current rate is 4.5% on a $219k loan, and the principle + interest portion of...

Nope. 10K OR direct deposit of $100 or more a month. I just started using it a month ago, but it's about as easy as it gets. You need 100K for them to do the tax harvesting.

Thanks Obama