Locking all savings into somewhere with 4% APY for 5 years -VERSUS- putting it all into the stock market for 5 years. Is the former really a bad idea? Assume that I have additional emergency savings which I am not locking up. This question is only about savings that I can comfortably invest: Is it really that bad in the short term to just go for the guaranteed 4% APY for 5 years, versus putting it in the stock market for the same amount of time? Is the expected return from stocks that much be…

Why Pandas Are Impressively Bad at Existing submitted by /u/ocelot-enthusiast

Nick Cave And The Bad Seeds – Stagger Lee submitted by /u/lobroblaw

Broken camera or a bad battery? Hi! I found my old camera in one of my old lockers. It won’t turn on/charge normally. But would turn on only when it’s plugged. not sure if it’s a battery issue or a camera issue. Would love to know the answer thanks. It’s KODAK EASYSHARE M853 submitted by /u/RealCrazyIdea

How bad is it REALLY? Bought a sigma 10-20mm f4 ef on eBay for $90. Post said used had minor scurry but didn’t effect image quality. Haven’t tested you but what do you think? submitted by /u/Fragrant-Mud-542

The Google Play Store Will Soon Warn You Before You Download a Bad App Could this be the end of useless apps on Android?

The Story Behind Bad Apple submitted by /u/TypicalDumbRedditGuy

How bad off am I for retirement? I am 45 and have been bad with money and saving/investing but trying to right the ship. However I know I’m pretty screwed. Here are my stats- Income- $95k IRA- $14K; maxed out for 2024 401k- $42k; will be about $8-10k short of max for 2024 Savings- $60k in hysa I rent paying $1500, no other debts. Would like to get a house, but don’t see it hap…

Flick slams ‘really bad’ Barça after letting lead slip Barcelona coach Hansi Flick was hugely critical of his team’s performance after the LaLiga leaders blew a two-goal lead to draw 2-2 with Celta Vigo at Balaídos on Saturday.

LL COOL J – I’m Bad (1987) submitted by /u/IntGro0398

Traveling with friends is a bad idea Just got back from a trip with a few friends and let me tell you, it wasn’t great. We went to Disney which is freaking expensive and not really a vacation I want to play by ear since having a schedule to cram everything in is essential. They were not considerate of being on time and were consistently late/wanted to take hours long lunch breaks e…

Is the flooring really that bad?? What am I missing? submitted by /u/Extension_Branch_371

If you were 31 years old with $20,000 worth of debt and bad credit and it won’t fall off your credit report until 4 more years from now, what would you do? …… I really want to turn my life around (money and credit wise) and be able to buy a house and get a car loan plus other things like investing and starting a business and going to school to study Finance but all those things require me to have low debt and good credit. I’m living paycheck to paycheck, no savings, car is getting me to A and B…

Greyhound 2 hour winter night bus ride, bad idea? Basically my main concern is heating, are they cold? I even stupidly got a window seat which I may change if I can last minute but if they’re bad I might try to drive myself or take a train submitted by /u/watanuncreativename

How can we deter the bad behaviour that accompanies anonymity? Anonymity and impunity overwhelm any other psychological deterance against otherwise socially unacceptible behaviour. An otherwise respected individual will exhibit cruelty, sadism, bullying, and the most appalling activities when all the external safegards are removed. Shame, self reflection, empathy, and remorse all seem to shrivel up and fall…

Streaming Bundles Have Money-Saving Appeal, But In The Long Run They’re Bad For Consumers submitted by /u/indig0sixalpha

Antique Elf Pallet. It’s so bad! lol I’m cleaning out my moms place and I came across this super old ELF eyeshadow pallet and I figured someone might find it interesting like I did. My mother was not a makeup person at all. I suspect someone gave it to her or she bought it for a dollar. I found remnants of a single loreal eyeshadow i think from the late 90s too. It’s wild how diffe…

Songs that most people think are bad that you actually like? It doesn’t even really have to be a guilty pleasure, like you feel ashamed for listening to it but have to admit it’s kind of good. Are there any songs that are widely regarded as being bad that you actually enjoy listening to and think is actually either good or just fun to listen to? I honestly love listening to axel f by crazy frog and I’m do…

Bad wedding photography…..? My brother hired a young and inexperienced photographer to shoot his wedding. It was her second wedding and the photos came out terribly. None of them were good. They were in focus mostly but that was about it. Blown out, seemingly unedited photos, poor composition, zero posing or directions given, etc. I’ve offered to edit them for him if they…

Taking out loans for college – is my plan bad? Ive been attending a community college for electrical engineering. Ive been paying out of pocket with personal savings and received some help from my parents. I’ll be transferring to a 4 year univeristy soon and estimate I’ll need between 30 – 45k for tuition and books alone to wrap up my last 3 years. I have about 24k in the bank, and make abo…