Advice needed: switching from an overdraft to a personal loan Hi everyone, Six years ago, I took out a €20,000 student overdraft with an Italian bank (Intesa Sanpaolo). The repayment is due this June, and I’m planning to cover it with a personal loan. Here’s my situation: I’ve used almost the entire overdraft, and with accrued interest, the total amount to repay is €20,503. Intesa Sanpaolo offers former s…

Investment opinion needed When do you know it’s time to move to a new advisor? Background, for the past five years annual contributions into retirement account have been about $15K, starting basis about $200K. Overall investment returns in the five years have been about $10k loss. I’m in a moderate risk investment strategy. I hear from the advisor: ‘long run, long game’,…

Permission Needed?? I’ve been taking pictures of my daughter’s sports games the last couple of years. If I want to showcase my work for potential paid gigs in the future, do I need permission from the other kid’s parents to use their likeness in my social media sites? I know in general public/street photography it’s all public domain and no permission is needed. I …

No filter needed 🧡❤️ submitted by /u/October_baby27

Hoster suggestions needed Hi everyone I’m pretty new to e-commerce, and I’m looking for : 1- a hoster that is simple to use, preferably with a website builder since I know nothing about WordPress 2- We work exclusively with “payment on delivery” so no online payments, so it must have option like that 3- not too much expensive if possible All I need is a simple website th…

Guidance needed on upgrade options ? I have owned a Nikon D3200 and the kit lens since 2014 but I haven’t used it in over 5 years up until recently. I purchased a 35mm f1.8g to take pictures of my 2 year old as well as family gatherings. The setup seems to take great pictures when she’s very still but this isn’t very often because is is usually non-stop. I have really been enjoying…

Is ETA needed for layover Hi everyone, in June I’ll go from Chicago,IL to Milan, Italy going through London Heathrow. I heard that the UK will introduce a new electronic VISA, the ETA, this January and I wanted to know if I will need it to go through LHR airport. I am not planning on leaving the airport, I will just have a layover. submitted by /u/Upset-Good-9437…

White Noise Machine Recommendations Needed At home I sleep with two fans on and they have this wonderfully deep sound. I’m trying to find that in a portable white noise machine but most I’ve seen have really treble-y, tinny, higher sounds that lack depth. I’m looking some something that can have the bassy depth of sound my big box fan has. Does that exist? submitted by /u/h4baine …

Flight needed to visit family I have a very important flight to take on 5th December. Ideally I’d want to be back by 10-12th Jan. Is there a good BNPL option? Dallas to Karachi submitted by /u/Rich_Dragonfruit1149

opinions needed! photographer taking a while to send photos/videos? Hello! This was my first time getting professional photos taken so kinda lost on what the process should be. Had the photos taken 15 days ago, and was quoted 1-2 weeks before final editing was done. Finally got the edited photos on day 13 and I love them, but seems it still took awhile (only 16 photos to edit). I was also supposed to receive a …

E Commerce Opinions Needed! Hi everyone, I’m working on my Master’s thesis and would really appreciate your help! I’m conducting a survey on AI usage, trust, and employee performance, and I’m looking for participants who use AI tools (like ChatGPT, Grammarly, or similar) in their work. The survey is anonymous and should take no more than 5 minutes to complete. Your input w…

This place needed a lot of, uh, cozification submitted by /u/Atticus248

68 years old, 401k advice needed. Retirement in 3-5 years. The account in question is my John Hancock employer sponsored 401k. Does anyone have any allocation suggestions compared to what the account is currently invested in? It looks like I’m only in RRCTX. Currently at about $247k in this account. What is suggested for an account like this for someone at my age nearing retirement? Any suggestions / in…

Seeking advice: Vehicle needed in next three months Hello all. I apologize if any of this is covered somewhere, please just let me know and I will remove. I am currently going through a chapter 7 bankruptcy due to a horrible motor vehicle accident involving a drunk , uninsured driver back in May. Long story short is I lost pretty much everything financially. My uninsured/underinsured insurance wa…

Transit Visa Needed for Short Layover in Dhaka? Hey everyone, I’m an Indian citizen flying back to India from China with a layover in Dhaka, Bangladesh. I’ll be on separate PNRs for each leg of the journey, meaning I’ll need to collect my checked luggage and recheck it for the next flight. My layover in Dhaka is about 3 hours, and I don’t plan to leave the airport. Has anyone had a similar ex…

Pose help needed!? I have a beach photo shoot of a beautiful family and there 1st baby. Baby is 1 month old, and. I have No clue of how to pose them. Can I see some photo examples!! submitted by /u/RandoTaco03

Advice Needed Regarding Retirement Progress I am 42m and make about $100K per year. I have 183K in a target date 2045 fund with fidelity from a job i left a year ago. I can’t contribute anymore to it now that I am no longer employed there, so I have just left it there. I also have $20K in a Fidelity Roth IRA Go fund (already contributed max 7K for 2024). With my new job, they contribute 8…

The Cars – Just What I Needed submitted by /u/ZettabyteEra

Advice needed on Oman itinerary! Hi everyone, here’s my itinerary in Oman. I won’t be renting a car (that’s a definite, I’ve put much thought into it but I’m not confident enough at driving and happy to pay for tours). I love: nature swimming, pottering about the streets checking things out, eating local food, chatting to people, spectacular nature, old religious sites, having …

Tips needed for a shy person with camera? Hi everyone, I’m looking for some advice and tips on how to overcome shyness when it comes to using my camera in public. Every time I go out, I always bring my camera with me, but instead of using it freely, I end up keeping it in my bag. I really want to be more confident and take photos without feeling self-conscious. 1) How can I become more …