Is it worth paying off debt collectors for 6 year old credit card debt

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Is it worth paying off debt collectors for 6 year old credit card debt My old credit card debts are around 5-6 years old and passed around by so many debt collectors that the offers to settle are getting low Settling $2500+ outstanding debts for around $100 a piece is honestly a tempting offer for me, but aren’t credit card debts supposed to fall your credit score after 7 years anyway? Or is that 7 years after the …

Reddit Personal Finance 681 2025-02-20

How should I spend extra 20 grand in my situation?

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How should I spend extra 20 grand in my situation? I M35 recently been saving my extra severance that I got from last year that built up to 20k. I’m not sure exactly how to spend it whether to invest or pay off the house? I Current Networth: 750-800k depending on house equity/investments HYSA (4%) – 70k Investments – 400k (Combined with my Wife) 401ks + Mutual Funds House Equity – 350k (House wo…

Reddit Personal Finance 546 2025-02-20

After looking, i’m honestly so turned off on buying a home anytime soon. The numbers make zero sense.

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After looking, i’m honestly so turned off on buying a home anytime soon. The numbers make zero sense. Okay, I don’t think the market is going to crash 40% like /rebubble thinks and you’ll be upside down for a decade. But after looking, the numbers literally make zero sense. Me and my wife have 20% for a downpayment saved and 70k left over saved (170k saved overall) for purchasing a home. So we can afford it. But it makes zero financial sense. I’…

Reddit Personal Finance 569 2025-02-20

Should I mortgage recast?

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Should I mortgage recast? I have about $773k left and a little under 28 years with a 4.875% interest rate. I have about $200k sitting in a HYSA (3.80% APY) that was gifted to us. I’m thinking of putting maybe $150k towards recasting the mortgage to lower the monthly given we have other monthly childcare expenses. I think we can afford the loss in liquidity. We don’t pla…

Reddit Personal Finance 1.2k 2025-02-20

Best lighting style and equipment to take accurate photos of textiles?

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Best lighting style and equipment to take accurate photos of textiles? I mostly do portraiture with off axis lighting, focus on shadows, etc. No experience with product photography. I need to take accurate even photos of some textile samples to ultimately reproduce as accurately as possible in print. What is the best recommendation for lighting style and equipment to achieve this? Ring light? Something else? su…

Ask Photography 424 2025-02-20

Best way to build a portfolio?

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Best way to build a portfolio? Hello! I’ve been doing photography for about 3 and 1/2 months and I love it a lot! And I’ve been wanting to build a portfolio for potential future portrait shoots or sports games whatever the case. Because I have a hockey stadium and a minor league baseball stadium pretty close to me and I want to do photos of that for a portfolio, but I don’t k…

Ask Photography 854 2025-02-20

Best photography locations in Sedona?

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Best photography locations in Sedona? Hi everyone, I’m traveling to Sedona next week and looking for the best photography spots for sunrise and sunset along with some milky way shots. Any recommendations on the spots? Also, for milky way shots, what are the settings you would recommend? submitted by /u/Particular_Safe_1903

Ask Photography 800 2025-02-20

Traveling while having pets at home

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Traveling while having pets at home Before I start this, please stay kind and remember I’m human and I make mistakes. I’m 24, I currently have three cats and one dog, and sometimes I regret it. I’ve barely started traveling and I don’t even have my passport yet, but I really want to see the world. I would never give them up. Any advice on finding affordable pet care? I’m currentl…

Reddit Travel 825 2025-02-20

what parts of atlanta are bustling with people?

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what parts of atlanta are bustling with people? I have never been to atlanta in my life and am curious about it. It’s listed as the 6h biggest metro in the USA now and they have the busiest airport. This place sounds like it would be bustling with people. So far when I go on youtube and watch traveling videos of downtown, the city looks almost empty. Or maybe the videos have to do something w…

Reddit Travel 1.3k 2025-02-20

Over the rainbow talent shows

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Over the rainbow talent shows How many of us watched Andrew Lloyd Webber’s talent competitions? I watched most of them but I remember the Over the rainbow ones the best (both Canadian and British versions and I just found out that most of them are on YouTube). Did you watch it too? Any tea, thoughts, opinions? I remember most of the girls being pretty good and many of them …

Reddit Television 498 2025-02-20