What time do you guys work out?
Especially those of you who work or study, is it possible to cram in a workout before the day gets going?Dreamt that there was a trend where people admit their fears but they pretend like their fave said it
Food Selling
Ask ko lang: Pwede ba mag benta ng baked foods dito? Sana makarami ng benta since freshly baked daily products namin. Thanks Mods! ⭐I know it’s 11am on a Wednesday morning but 65 people on European community servers?
Like I said I know it’s 11am on a Wednesday but to only see 65 people on community servers is crazy, not sure if this is a sign of impending doom or not, I hope it isn’t but only time will tellSeptum or nostril?
Been thinking about getting one piercing, but im too indecisive ;; Which one would look better? I need suggestions!I've been a homeowner for 4 years. These are the biggest things I wish somebody told me on day one.
**1. Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.** So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit). Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan) **2. Switch auto insurance companies every 6-12 months.** If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)). Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes. Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go. Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st). **3. Try and find the best price online.** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **4. Get yourself a dang advisor.** Most people are under the false impression that financial advisors are just for wealthy people. They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning) If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area. **5. You don't have to pay off your debt by yourself.** Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you. It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company). They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings). Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies. Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). **6. Save on home insurance.** Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies). If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).I've been a homeowner for 4 years. These are the biggest things I wish somebody told me on day one.
**1. Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.** So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit). Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card). Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans. Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan) **2. Switch auto insurance companies every 6-12 months.** If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)). Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes. Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go. Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st). **3. Try and find the best price online.** Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices. I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible. **4. Get yourself a dang advisor.** Most people are under the false impression that financial advisors are just for wealthy people. They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning) If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area. **5. You don't have to pay off your debt by yourself.** Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you. It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company). They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings). Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies. Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)). **6. Save on home insurance.** Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies). If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).Starting personal finance and money management today. Is the course hard and is it mostly quizzes or assignments
My mom sent me this photo of mine with a caption "jungly"
Idk when she clicked this , we were at my bua's home for her 25th anniversary celebration, (I don't know why my fingers are so close to my mouth 😭 maybe I was eating something) in my opinion I was not so well groomed, but still my hairs don't look "jungly"
"> But still rather unfortunate
Regis Corporation Reports Improved Profitability for the Second Fiscal Quarter 2025 and Positive Cash from Operations
Planning to Sell my PC badly need funds
Magkano po kaya ito mabebenta MoBo: Aorus B450 Pro Mini ATX CPU: Ryzen 5 2600 12 threads RAM: Corsair 3200hz 16GB (1 stick) GPU: Gigabyte Rx470 4GB Storage: 500GB HDD 120GB SSD PSU: Corsair CV450 Bronze Case: DarkFlash DLM22 MicroATX Fan: GStorm white 5pcs Ad ons: PSU Extension cable (white) GPU Cover plate (Gigabyte white) Mouse: Fantech VX7 (White)The everything app, for work. Get everyone working in a single platform designed to manage any type of work.
The everything app, for work. Get everyone working in a single platform designed to manage any type of work.
IBKR Tax Optimizer na Slovensku
Mám otázku o používaní Interactive Brokers (IBKR) na Slovensku, konkrétne funkcie Tax Optimizer. Táto funkcia umožňuje výber metódy výpočtu kapitálových ziskov (FIFO, LIFO, konkrétne loty). Zaujíma ma, či ju možno použiť na daňové účely na Slovensku, alebo či zákony striktne vyžadujú FIFO? Ďakujem za rady!If you like Chaotic Stories About Talking Pets and Frustrated Owners go Check this Webtoon Out - Cinnamon
Description: A maniacal cat named Cinnamon wreaks havoc everywhere he goes while his owner, Toby, tries to keep him in check and live a normal life. With all of the unhinged friends that Cinnamon keeps making, their lives become more chaotic than ever.