It’s a little under a quarter million. What the hell do I do with it? I’m 22, work as a bottom totem pole legal assistant pulling ~2400/mo , riding the moms house wave still and she only asks 200/mo rent. Owe about 17k on a car. Payments and insurance 735/mo. Not going to school. Thinking about paying off the car to save money on the interest.
My brother also received the same amount and also has no clue what to do with it. We put them in money market accounts when we got them months ago and haven’t touched them since.
What would you guys do if you were in my situation? Any advice on growth?
In late 2020 my mum was complaining of pain in her abdomen. After a lot of visits to doctors, hospitals, false negative results and back and forth, they eventually found very advanced cancer in her bowel, liver and lung in early 2021. Her health deteriorated rapidly after that, and she soon started chemo in an attempt to hold it off. The cancer was trimmed but then fought back and eventually started using the chemo itself to spread. The treatment was stopped and she started a slow and inexorable decline into death. She passed away in Sept 2021 surrounded by her children and husband. Nothing can replace my mother, and I still miss her daily.
One matter I have had to consider though is that her pension (which she never got to touch) will now be coming to me and my sister. After the split and any deductions, I understand it to be worth £50k. Probate is currently processing and I expect by the middle of the year I should have access to the money.
As this was my mums money I wanted it to be spent responsibly and for a long-term future. I am 35, mortgaged and debted to the hilt, plus married with a kid. I have a very good salary - £46k, though my wife is on significantly less, working part-time (due to childcare) and earning £14k. Going through the UKPF flowchart we have a 3 month emergency fund, and being in a very secure job, I don't feel this needs to be built up more now. Instead, I've decided to prioritise my debts, which I have listed below:
- Mortgage - £178k - Interest 1.57% - Fixed rate deal until Oct 2022, interest is likely to go up with new deal due to BoE base rate move. Monthly repayments of £591. Maximum over payment allowance is £17,756, after which any repayments are charged at 1%.
- Help to Buy Equity Loan - £50k - Interest free until Oct 2023. Then 1.75% rising with CPI each year. Monthly repayments of £1.
- Student Loan - £10,795 - 1.75% interest. Monthly repayments of £169.
- Personal Loan - £11,115 - 0.75%. Variable at Bank of England base rate plus 0.5%. Monthly repayments of £150.
- Credit Card 1 - £4484 - 0%. Monthly repayments of 1.0% of outstanding balance (£44). Interest free until July 2022.
- Credit Card 2 - £8208 - 0%. Monthly repayments of 2.5% of outstanding balance (£205). Interest free until March 2023, at which point I will roll it to another interest free balance transfer card.
With both the credit cards, I t
... keep reading on reddit ➡So leading up to the launch of the new network there were several clues that ended up providing the first 8 words of a 12 word seed. There are four more out there, maybe in a tweet or maybe in the Taproot block but it's way above my head so I've decided to plead with this sub to see if the brains around here have what it takes.
The wallet, Syrius, is available to download from zenon.network and I'm available in dm if anyone actually into this sort of thing but there has been a deadline set for the 21st of December so hopefully it gets solved. Good luck
10 dollars for every passing yard Bryce Young had in the game.
I think we have a real opportunity to have Mike change his mind about us if we give him this out.
Besides I think the whole bet is null and void anyway because we never put up any stakes for Stugotz.
Pay the whales, save the teachers.
I'd really like to try to do a Commonwealth of Man playthrough, but unfortunately I find it difficult even on the ensign setting. I fall behind on tech, fleet power and economy and get locked into a small area because everyone closes their borders to me.
I've seen the tall vs wide argument but unfortunately, I'm not sure how to even catch up with what little resource income I have.
Is it possible to simply focus on tech/research and neglect everything else in order to get a tech edge, is this even a good idea?
I'd really like to get better at this game but unfortunately I think I'm just gaining more bad habits as I go along.
Not that I'm against a peaceful playthrough, I'd just rather master the wartime aspect of the game because a majority of my playthroughs will be as such.
Before making my own species, I'd prefer to have at least one successful playthrough as CoM.
Thanks in advance:):):)
For the holidays I bought a small ham for just me, my roommate, and my mom when she came to visit, and I didn't have a ton left over so I used the bits for potato and ham soup and Appalachian-style soup beans. Today I went grocery shopping since I may get snowed in this weekend, and lo and behold, there were more hams on sale. I got a 9-pound ham for $12 (originally $32 so hard to resist). Now that I have it here, I'm realizing that I am going to be eating ham for the next two weeks or so even if I share with my roommate.
I'm probably going to be making more soup because... soup good. I really like to cook regional food that my friends taught me (i.e. Japanese, southern Chinese, east Indian, and Middle Eastern), but the latter half of those cuisines don't utilize pork so I'm a little stuck. Can anyone offer inspiration?
Trying to do based LeMay since I was never able to get Mike in after Bennet or LBJ while not purposefully losing the SAW (i try to keep some realism in my TNO). Additionally, TIL that repealing the CRA does not always fire the massacre impeachment event and I'm trying to minimize restarts as my computer runs a little slow and playing for 1-3 years (around 3-4 hours) over and over trying to get RNG doesn't seem very appealing. Is there a consistent way to always get Wallace impeached before 1968, and, if so, is it possible to keep a sizeable FR force in the Senate for LeMay to deal with?
Thanks in advance.
Greetings everyone,
So to get this out of the way, I know that the CRA is intentionally vague in order to tackle tax returns on a case by case basis. I personally believe from my research that my earnings should be capital gains, but I would love some of your opinions or anecdotal experiences.
Situation: I have gains of approximately ~$700K this year. Started with $600K, and more than doubled it. I have roughly 250 total trades this year (new positions, adding to and trimming my positions, and selling). Majority of my gains were made on two companies, both of which I bought and sold about five times over throughout the entire year (usually due to market fear and uncertainty). I bought and sold about 14 others stocks throughout the year as well, and I bought and sold them one or four times, and on average held them for a 1.5 weeks. Approximately 30% of my shares were bought on margin (IBKR)
I own a corporation and keep my money in my company, and do not pay myself; therefore, my reported personal income will be close to $0. I started investing in late 2019, never participated in options, don't pay for market data, have probably spent ~20 hours total this year on trading and reading about the markets. Have never bought options, shorted, or done anything like that, don't have the knowledge or time.
One red flag is that I foolishly decided to day trade DWAC (Trump's SPAC) for fun for a couple of days, not fully understanding the whole income/capital gains risk. I day traded this a total of eight times within two days (eight total trades), so not very much. Made around $4K on this endeavor.
CRA criteria I am concerned about:
- frequent transactions, extensive buying and selling of securities
- short periods of ownership
The rest of their criteria does not apply to me.
I'm looking for best guesses here as to how the CRA will likely react to my tax return given the above situation. If anyone has filed a tax return in the past with a near similar experience, I would love to hear how it unfolded for you.
Thanks in advance!
I don't see any radiants here usually, so I'm hoping someone has one for sale!
Live with my parents so they can’t find them. need them in a place that’s hidden but accessible. any ideas for where. no vents because the heat may melt them together.
I work in fast food, nothing fancy or highly skilled. But, just like privately owned restaurants and business we've experienced an incredible shortage of labour. The caveat here is that we are the top performing store in the entire franchise and have been since covid started. This is because of an influx of tourists no long "touring" and instead moving in. Most people don't even know our chain exists since it's so concentrate in my region. So we have had an incredible influx of customers over the last two years. It was ok at first, our company began shuffling out small but appreciated "rewards", it at the very least showed they were paying attention. But as time has gone on we've lost over 75% of our staff. We have a 6 station kitchen being ran by 3 people at a time of varying skill and drive. We got a raise about 8 months ago bumping us to 12.50/hour. This was great at the time, but since everything has changed so quickly with inflation that guy's haven't been leaving for dumb reasons anymore but because the stores across the street pay better. This has also meant that new hires are few and far between, either being kids who can only work 2 days a week or felons, most of which have been s*x offenders, racked with a history of assault, or thefts. Each, the ones with true potential have been finding better jobs with better pay because corporate has refused to raise us, their top performing store mind you had been paying the least for almost 8 months. How do I know? Because I've traveled around nearby states and found other stores advertising upwards of 5 dollars more than us. About 4 months ago we got an announcement that we were getting bumped again up 4 dollars minimum. We were burnt out and I specifically was looking to leave myself. 4 months go by and still no raise in sight for nearly anyone. A new girl starts working, by this point we're all tense, annoyed, and burnt out. This new girl calls corporate and demands the pay that was advertised, she won. A girl who's been here a week getting paid more than me and my guy's who are all precovid+ with the oldest guy here being here near 10 years! Safe to say I snapped when I found out, I demanded all our raised get put in immediately with an additional 1.50 and back pay for all the money we've missed or I'd quit. For reference my GM and district manager, as well as all the under management have refused to let me and another guy quit before. Me moreso than him as they describe me being "the best of both Mark
... keep reading on reddit ➡
I'm building for a space opera story but I'm worried that if I put it in the Milky Way too much of the locations/mapping would be very restrictive given what we know about/are learning about our galaxy. I'm worried that the suspension of disbelief could be easily broken if say I put planets/systems in spots where there are actually none. Thus making some distant galaxy the setting would allow me more creative control. I want it to take place maybe 500 years-ish in the future with lots of different alien species and worlds (Think Mass Effect/Star Wars/etc.). I wanted to include references and evolutions of Earth culture and history hence why I'm not just pulling a Battlestar Galactica and setting it in the past.
I've been trying to figure out a way to write-in how humans got to this galaxy and have maintained a heavy foothold for a few centuries. I'm trying to find a way to make this work without breaking my space travel system (a mixture of FTL and interdimensional travel). The closest idea I have is maybe some sort of wormhole was discovered around the Solar System that led to this galaxy, but that just seems to raise further plot-holes and questions.
Please correct me if I'm wrong, but would this German component to my DNA be the result of early Germanic (Angle,Saxon,Jute, Frisian) migrations to England? Our family records (on either side) do not indicate a German individual in our family for generations, so I'm guessing what I'm seeing is the Germanic DNA contribution to modern English people?
https://preview.redd.it/6lz6wfjq93081.png?width=1170&format=png&auto=webp&s=f5c46865311bfa8f21d11217366807c046c0faf1
