Dad passed away suddenly, need advice and guidance on some of his debts. So, unfortunately my dad passed away fairly suddenly yesterday. He didn’t have a will. We are in ny state which is not a community property state. My parents are separated but legally still married. From my understanding, in a not community property state, debt doesn’t get passed to the spouse of the deceased. However, I’m confused about a coup…

finally learning makeup at 18, any advice/improvements? my mother doesnt do makeup so ive kinda just been learning by myself for the past year based off tiktok,, ive been struggling a lot figuring out the right shades to use as i honestly dont know my undertone however im pretty sure i have olive skin. have no clue what im doing so if theres any improvements or suggestions anyone has pleaseee tell me…

Advice on how to spend unexpected $$ Husband and I just unexpectedly received $45k, tax free through a trust a family member set up. We are discussing how to use the money, many options available and this post is to cast a wide net and get some ideas/opinions. General financial background Combined salary $160,000 both 31 yrs old, great job security. $20k in emergency fund ~$75k i…

Advice on ESA Account I recently discovered an ESA (Education Savings Account) in my name but the kicker is I turned 30 over 30 days ago. I’m still paying back student loans and would like to use the money in this account to finish paying off my loans but I’m unsure of the tax implications of withdrawing these funds. Would I be able to use the remainder to reimburse …

Retirement planning advice Hi everyone – looking for some advice on retirement planning for my parents They are in their mid-70s and got a bit of a surprise offer to sell a property they own. They decided to take it, use the proceeds to fund their modest retirement. They’re looking at about 750k net after taxes but they’re not sure how to manage it. They have some other r…

First attempt at nighttime photography. Any advice? Settingss: 1/3 sec, f/16, ISO 4000. The first photo is post Lightroom and the second is the raw photo. Luckily this is the view from my hotel room so I’ve been trying out various settings. This one has been my best attempt so far and I wanted to get some advice on it. The right tower is obstructed by another building btw. Is there any way I cou…

Advice on new everyday makeup? Hey y’all! I switch up my makeup to match the weather. Right now I’m doing really light makeup because it is way too hot. I was wondering if y’all had any suggestions!! Products used: Nyx Brow Glue Wet n Wild Brown Megaliner Nyx White Liner Nyx Powder Puff Lip Cream Elf Camo Concealer Physicians Formula Blush Physicians Formula Highlighter MCOB…

2-3 months China itinerary advice Hi everyone! I’m planning a (likely solo) few month trip across China, this had been a dream of mine for a while. Planning to start at April, but this depends when I finish my studies so it might be later (and in that case a shorter trip), planning to finish by maximum mid-July to go trekking in Kyrgyzstan, so ideally I can allocate at least 2 m…

Sleeping Bag Advice – Trekking around Mt. Kailash, Tibet, China Hi r/travel! I have a planned trip to trek around Mt. Kailash in Tibet, China, end of September / beginning of October this year. My travel agency recommends a sleeping bag with a comfort temperature of at least -15°C (5°F). As this is a costly investment of several hundred EUR/USD, I have doubts if it is really needed. We are planning to only s…

Advice for a newcomer bank account I’m a newcomer to Canada , is it advisable to open account in two different banks or put all money in one bank only ? submitted by /u/Joker9705

Looking for advice 70k in debt (CC + Personal loans) Hi, i am looking for a advice on paying off debt, i ended up in this situation having lost my job Twice in a a span of last 3 years, i was graduating out of college so i didn’t had any savings to rely on. Avg interest rate across 70k debt is roughly 26% spread across 11 accounts , currently i am making a decent pay and bring in approx 6k a month…

Advice: Low mobility person + elderly parents: Best place to see Northern Lights Hey guys! I want to take my parents for a trip to see northern lights since is my mom’s dream. We live in Latin America. I have 2 things that worries me: Since seeing the lights is not guarantee, I want a place with much more to do. As the title says, I have low mobility due to a autoimmune disease so I cannot do activities like go hiking, walk…

Need advice on buying car from parents I’ve been talking to my dad about buying/leasing a car. He just gave me an offer and I want to know what you guys think about it. He’s offering my mom’s car, a 2020 Mazda CX-5 Utility 4X4 4 Door because my mom wants to buy a new car. The Mazda currently has around $6000 left to pay off and I’d pay $10k down (that theyd use as a down payment for …

Editing advice for this photo? I’m new to photography and this photo is my first try on long exposure photography. The object in this photo is A shopping centre and a bridge, I tried to make both objects looks like the main thing in the photo. Are there anything that I can improve or like how can I edit this photo? submitted by /u/georgehktransportfan

Need advice on Health insurance for parents Hi, People of Reddit. I come from a lower middle-class family and recently I have been earning an okayish salary(50k+) I was thinking about whether to get health insurance for my parents or not. My father is 64 and my mother is 54, both are diabetic and do take medicines, but both never had any health insurance till now because we could not affo…

Aussie seeking European ski Advice Travelling with family to Europe. Our goals as a family is to experience out first white Christmas, with some festive lights/theme, reindeer hunting, see the Northern lights, down hill ski, with kids lessons, kids crèche , other activities to keep children entertained if the younger ones are not keen to ski all morning (ages 6, 11, 13). Best pla…

Took everyone’s advice and changed my makeup routine to be more glowy!! Lips: tarte maracuja lip in orchid Rare beauty liquid blush hope Cover girl mascara in brown and black (used the brown to smudge a little wing) Brow elf Neutral brown Lip liner: whirl by Mac Amber match stick by fenty beauty Stila liquid highlight (shade name is rubbed off but it’s gold) submitted by /u/DrawerOk2888

Is this a good first try for a “film-like” look? Any advice? submitted by /u/NotNoxia

Customer service/Shipping advice I need advice from other shipping sellers…So I’ve been selling online since 2018… keep in mind everything I sell is handmade wedding stuff… I use to hardly ever have issues which shipping but I guess now my sales are growing issues start to grow. In the past when a package would go missing I’d send out a replacement with no questions asked just …

Advice on refinancing an awful car loan. Hi all, I have a 2012 Chevrolet Equinox, with about 115000 miles on it. At the time of purchase, my back was really against the wall and I had to buy the cheapest car that I could finance. I went to DriveTime, and found this car with a 12,000 sticker price. It didn’t have any major mechanical issues, so I discussed with the sales rep financing….