Is my friend giving me bad financial advice about paying back my student loans? My friend went to school for finance, so one would like to think he knows what he’s talking about but I’m genuinely lost about what he’s saying. I have $72k in loans, plan to move home and pay at least half of that in a year and then pay off the rest of that within a few years. My loans are between 5% to 7% and I plan to tackle the 7% first. H…

Why does my bad color pictures look nice when I turn them black and white? Please forgive my stupid question. Why does some of my bad, and hard to edit color pictures look nice when I turn them black and white? I don’t understand the logic. submitted by /u/oldyellowcab

Looking for real criticism on our guest room, no circlejerk. It just feels off/uninspired to me, like a bad influencer copycat job (which it is!). The sconces are too high bc they’re covering the hole where an old one used to be. Better pillows? Different paint or art? Better vignette styling? submitted by /u/notevenglennclose

After a lifetime of bad financial decisions I am now saving money each month. Prior to this I had no savings, no 401k. What would be the smartest investment strategy? I am in my 40s. I’m saving roughly four thousand a month right now. Also, I am a U.S./Canadian (dual citizenship) expat who currently lives and works in China. Due to US tax laws, IRAs are out of the picture for now. submitted by /u/new_being_here

Is my friend right about a big down payment on a car being bad? I’ve been thinking about buying a new car; have never financed a car or anything with a substantial payment plan, and have new credit history (~2 yrs). The car is $32,000 so I was thinking about putting $10,000 down so my monthly payments are about $350 for 72 months. I was talking to my friend and he said it would be better to make a smaller do…

The Dillinger Escape Plan – When Good Dogs Do Bad Things submitted by /u/Annual-Put-5479

New ‘Frasier’ review: Kelsey Grammer leads a new cast in embarrassingly bad revival submitted by /u/Les-Freres-Heureux

Why Wage Access Apps are Just As Bad As Payday Loans With more than 60% of Americans living paycheck to paycheck and many folks unable to cover a $400 emergency like a car repair or surprise hospital bill, waiting for payday is a pain point for many. That helps explain why so many people turn to predatory payday loans in desperation: When your bills are due on Monday… Read more…

New IRA, bad idea to set up with Raymond James? (Fees) I was planning on calling my advisor at Raymond James to start an IRA and buy 6500 of VT, I currently only have some stock with them. Would I save a significant amount long term on fees by making a Vanguard account instead and trying to set up the IRA myself with no advisory services attached? I also have a mutual fund at American Century, what …

Is it bad to stay in the hotel for a day after days of doing stuff? I’m asking basically if it’s a bad thing to stay inside for a day to decompress after multiple days (in my case over a week) of going out and doing stuff. Part of me feels bad if I do that because I feel like I’m missing out and like, why did I even travel if I’m just going to stay in, you know? But another part of me feels like I need to stay i…

Is my employer 401k good or bad? Gpimg by the title, you can see that 401k is not my strength, I am learning more about it and I just wanted to see how good my employer plan is compared to what’s out there “matching contribution equal to 25% of the first 12% elective contributions not to exceed 3% of your compensation for that plan year” I am at the moment not opted in (instead…

Billie Eilish has branded ‘bad guy’ the ‘stupidest song in the world’ submitted by /u/DallasSF

LPT: Celebrate the good and acknowledge the bad. submitted by /u/jxcb345

Yup, Citibank is bad I’ve been “dating around” with new banks since coming into some money. Dating before marriage. Seeing what’s out there, how good they are to me, how easy it is to get stuff done, how decent their online banking is, etc. All that, before I decide to commit serious cash to any of them. I’m banking with all the major banks plus the major CUs. 30 a…

F25, Love hostelling, but have a couple of VERY bad experiences I have done lots of solo travelling and always stayed at hostels, I like the sense of community and of course, the price. However, I had a really bad experience a few years ago and almost the same thing happened last night. On both these occasions, I was sleeping in a mixed dorm and a man tried to get into my bed in the night while I was asleep…

How to enjoy your trip after a bad experience? I’ve read several posts in this sub about bad experiences. From creepy individuals, scams, stolen items, lost flights, breakups, loneliness and much more. How do you enjoy your travel adventure after a bad/negative experience? How do you bounce back? Slight context: I’m flying out in 3 days for a longgg adventure across Asia (maybe >1 year). My …

Medical Credit Cards Are a Bad Idea, Actually It’s no secret that healthcare in the U.S. is difficult to afford, even for those who have insurance. In fact, roughly 20% of U.S. households have some amount of medical debt—and in 2021, more than half of all bills in collections were medical. Read more…

Overexposed my BW film. How to compensate when developing, and how bad is it? Lesson learned today to always check the ISO setting when swapping film. I shot a roll of 400 ISO Ilford HP5 on aperture priority with the camera set to 50 ISO. Is it worth trying to develop it? I have Rodinal. It’s my first try developing BW film in 7 years after successfully doing color the other week. Would you recommend any specific timings…

I watched Breaking Bad, and recently The Sopranos, how does Mad Men compare? After watching Breaking Bad, Better Call Saul and The Sopranos, I heard Mad Men ranks pretty high in TV shows and is considered up there with the former. But I have 0 clue about it, the themes, the setting and what it’s about in general. Is it similar in any way to the aforementioned? submitted by /u/ElZaydo

Is spending 40% of my take home salary on rent a bad decision? Location: VHCOL (Bay Area) Monthly take home salary is about $8k (after tax, 401k,…). I’m considering to rent a 1b1b apartment (710sqft) for $3,100/month in a very good location and safe neighborhood, walkable to grocery and restaurant, cafe,… Apt is modern, hard wood flooring style and spacious. I also found a smaller 1b1b apartment (570sqft) …