Life insurance asking us to decide on either a lump sum, deferral, or annuity option for my recently widowed mom. My father had a fixed annuity Allianz policy when he died, and now they are asking my mom to take a lump sum or a 5/10 year deferral of $82K, or an annuity for $108K. My instinct is annuities are usually not a good option, and to just take the lump sum and invest it in an S&P 500 index fund, but am I missing something here? Thanks. submitte…

Retired on a fixed income but no debts. Would I be wasting my time going to my bank and asking… for a car loan? I have a credit card and pay it off each month. I also have some money in a 401K. Also, what is the oldest year they would finance? submitted by /u/RawEggEater1956

Hertz is asking EV renters if they want to keep it, permanently Some EVs in stock on the Hertz Car Sales site. | Screenshot: The VergeHertz has contacted multiple electric vehicle renters recently with interesting low-cost offers for cars like Teslas, offering them the option to buy their rental EVs instead of returning them. One 2023 Model 3 renter shared on Reddit that they were offered a price of $17,913,…

LPT: Be weary of those who giving advice or try to sell you something without asking questions first. People are quick to share but often take less time to understand. For example: choosing a car varies greatly based on factors like what you want use the car for, your budget, etc etc. People who just spew what car they think is best aren’t giving you informed advice if they haven’t asked you the right questions first. These people have good int…

Inspira asking me to share my SSN through an email Hi, Has anyone had experience opening a HSA account with Inspira? They sent me a mail asking me to share my W2 or paystub or social security card through an email. I feel weird sharing sensitive documents through an email. Is this legit? submitted by /u/Audience_1234

Hertz Is So Desperate To Unload Tesla Inventory It’s Asking Customers If They Just Want To Keep Their Rentals Hertz bought a bunch of Tesla Model 3s for its rental fleet and quickly realized that Tesla depreciation would be extra bad at scale. In an aggressive effort to sell off its remaining Tesla inventory, the rental company is sending extra cheap buyout options to rental customers. If you like your rental, Hertz will sell… Read more…

Engineer Asking: What are improvements you would like to see in gear on the market? Getting ready to start my mechanical engineering master’s degree, and now have significantly more free time that I want to dedicate to a personal engineering project. As a photographer, I want to apply my engineering skillset to develop concepts/solve some gear and accessory related issues with current products on the market. This could be a sol…

Mechant is asking me to drop chargeback to issue refund Hi All, I purchased a machine and it wasn’t working as expected and had many faults. I decided to return it as I was within 30-day return policy given by the Merchant. I did my due diligence by sending them the machine back as they instructed in a given time frame. According to their policy, they refund the money within 2-4 weeks after they rece…

2025 Nissan Armada Is Finally The Patrol We’ve Been Asking For Last time Nissan redesigned the Armada it was a big deal, and not just for the Nissan dealers who desperately needed something that wasn’t more than a decade old in the lineup. You see, for the 2017 model year, Nissan brought over the SUV known in international markets as the Patrol and gave it the Armada badge. While… Read more…

Asking for a phone number is disability discrimination? Hi. I’ve worked ecommerce in some form for many years and thought I had seen every possible customer question but this one is new to me. I work retail and primarily look over the ecommerce side of things of the business and below is an email I received today. For context I’m in UK and the website is powered by Shopify (ie not my custum checkout,…

Question about an employer asking for OT back At my work I get paid 5 different rates depending on what I’m doing. For roughly 5 years the company cfo told me that my overtime was paid at 1.5x my highest rate. Now they have a new cfo and are saying that that was a mistake and that they pay overtime at 1.5x the blended rate. They’re asking for the difference in the two results for the overti…

Whole Life for my kid? Too good to be true? What should I be asking? Edit: we already have a 529 plan I’ve opened for her, grandpa seems to want to do something on his own. Financial advisor is trying to sell grandpa a whole life policy for my kid. It does sound too good to be true. What am I missing? (I don’t know the monthly premium he’d pay just that he is fine with it) Main selling points- About $73,000 in c…

Can we ban the posts asking “what’s wrong with my makeup” and posting close-ups of separation? Maybe we can pin a troubleshooting thread at the top of the sub or something. There’s so many posts like that that it fills up the feed, the extreme close-ups of flaky make-up aren’t pleasant to look at and, most importantly, the answers are the same for all of them: – Moisturize more – Wait the proper amount of time for your moisturizer to sink…

How do you feel about vendors asking your for pictures of them from the event? Shot a company holiday party last night. The four-piece brass band texted me this morning asking for any shots of them. The event planner straight up came up to me and asked me if I had photographed the table settings yet, and that she was glad I still had the opportunity to do so before everyone starting sitting down hint hint. So they plan to …

Randy Moss Taking Time Off from ESPN for a ‘Personal Health Challenge’ After Asking for ‘Prayers.’ ESPN issued a statement confirming that Moss will be “stepping away” for an “extended time” submitted by /u/indig0sixalpha

Asking AI for Help With Elf on the Shelf Was a Mistake I asked ChatGPT and Claude, and got some hilariously impractical ideas.

In the process of buying a house and my father is asking me to gift money I just got a new job in the city my wife and I were born and raised in. This requires us to move and sell our house. Our house has been listed for a few weeks and we hope to find a buyer soon. Meanwhile, my father is also trying to move into a larger house from a smaller house that he rents. My father just asked if he could give me around $2000 …

LPT: Don’t be afraid to negotiate your salary. Employers expect it, and you rarely lose an offer for asking professionally. submitted by /u/Best-Pangolin-8274

HarperCollins is asking authors to license their books for AI training Image: Hugo Herrera / The VergeHarperCollins has agreed with an unnamed AI tech company to let the company use some nonfiction titles to train its models, 404 Media reports, but only if authors opt-in to having their books be used for training. Some authors are currently suing companies like OpenAI, accusing them of copyright infringement for tr…

Asking for advice: bookkeeping my personal small business Hi, I’m very new to bookkeeping or the sorts. Im thinking to use Google Sheets to keep track of everything. Can someone help me with template and jargon advice? I want to keep it pretty simple and perhaps add to the balance sheets and business management later on. I basically just want to keep track of supplies bought, hours spent making it, shi…