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  • happimess01happimess01 Member Posts: 7,227 Member Member Posts: 7,227 Member
    How early is too early to text someone in another time zone?

    after 12 pm if they are my 3 am friend, otherwise only on weekends

    What’s the applications process like for a 3am-er?

    they should constantly ignore me, project onto me and wear the same cologne as my dad

    same! 😃

    Y'all diggin that Old Spice 🤢

    omg how did you know 😂

    that's why I wear Axe so my kid has a lot of friends to choose from
  • Deadman_DiggingupDeadman_Diggingup Member Posts: 3,068 Member Member Posts: 3,068 Member
  • KickassAmazon76KickassAmazon76 Member Posts: 3,553 Member Member Posts: 3,553 Member
    How early is too early to text someone in another time zone?

    after 12 pm if they are my 3 am friend, otherwise only on weekends

    What’s the applications process like for a 3am-er?

    they should constantly ignore me, project onto me and wear the same cologne as my dad

    same! 😃

    Y'all diggin that Old Spice 🤢

    omg how did you know 😂

    Every Dad has the same bottle hangin in the medicine cabinet - I know Dads 😂

    Mine had Brut. (and old spice) lol
  • kinetixtrainer2kinetixtrainer2 Member Posts: 6,735 Member Member Posts: 6,735 Member
  • beagletracksbeagletracks Member Posts: 5,765 Member Member Posts: 5,765 Member
    I’m really, really, really far from being in the 1%

    I have a modest retirement account

    I’m not a trader or hedge fund manager

    I’m a teacher who barely ekes out a living

    And yet, I’ve lost $8,000+ from my IRA in the last week.

    Enough already. Somebody figure this out.
  • MaltedTeaMaltedTea Member, Premium Posts: 5,310 Member Member, Premium Posts: 5,310 Member
    I’m really, really, really far from being in the 1%

    I have a modest retirement account

    I’m not a trader or hedge fund manager

    I’m a teacher who barely ekes out a living

    And yet, I’ve lost $8,000+ from my IRA in the last week.

    Enough already. Somebody figure this out.

    First off, thank you for being a teacher especially now. Y'all don't get paid enough and the whole "summers off" thing isn't enough either.

    I didn't look at investments for most of 2020. If you're comfortable with your risk profile, just brace and hold as fluctuations happen 🤷🏿‍♀️

    If your risk tolerance has changed (due to current and/or future impacts that you KNOW FOR CERTAIN will impact you like health status, for example) then talk to your advisor or update your self-directed account(s) for better investment matches for your situation.
  • HerNameIsMischiefHerNameIsMischief Member Posts: 158 Member Member Posts: 158 Member
    Parents gave me a Fitbit Versa 3 smartwatch they got for free from insurance. Not sure if I want to keep it or sell it, though it looks like I can try it out and switch to a different user later. Right now I'm feeling frustrated looking at all the stuff I need to remove: voice assistant, social media, Pandora/Spotify/etc. apps, Bluetooth, ability to take phone calls, workout videos, Coach and any other motivational apps, and some stupid reminder to take 250 steps a day. Sigh...I hate technology sometimes.
  • beagletracksbeagletracks Member Posts: 5,765 Member Member Posts: 5,765 Member
    MaltedTea wrote: »
    I’m really, really, really far from being in the 1%

    I have a modest retirement account

    I’m not a trader or hedge fund manager

    I’m a teacher who barely ekes out a living

    And yet, I’ve lost $8,000+ from my IRA in the last week.

    Enough already. Somebody figure this out.

    First off, thank you for being a teacher especially now. Y'all don't get paid enough and the whole "summers off" thing isn't enough either.

    I didn't look at investments for most of 2020. If you're comfortable with your risk profile, just brace and hold as fluctuations happen 🤷🏿‍♀️

    If your risk tolerance has changed (due to current and/or future impacts that you KNOW FOR CERTAIN will impact you like health status, for example) then talk to your advisor or update your self-directed account(s) for better investment matches for your situation.

    Yeah I normally just don’t check very often and ride it all out. Just a lot of news in the US lately about the whole GameStop thing making it sound like the super rich were the only ones hurt by what’s happening. I shouldn’t have checked, but I did. I have a pretty awesome advisor I rely on and trust completely to manage my quite conservative investment portfolio.

    In other words, just venting! Thank you for your thoughtful advice!
    edited January 29
  • 777Gemma888777Gemma888 Member Posts: 9,563 Member Member Posts: 9,563 Member
    I have been managing a family so long that when I occasionally eat restaurant food, I often think “mine is better.” Not fancy food but normal household fare. The only reason to eat out is to avoid doing dishes.

    I doubt you're being 'fancy' at all. My new job of 3 months has dine in lunch provided daily 6 days a week. Our ( my sister and I secured jobs together) employer's wife preps home cooked lunches for all staff members, paying attention to gluten intolerance for one, vegan for another, vegetarian for 2 and meat loaded for the rest of us. Dinner for us is sometimes "takeaway" and most evenings when we do, it doesn't come close to her home prepared/planned organic meals. It is such a different opinion of WestLA to be sure.
  • vanityy99vanityy99 Member Posts: 2,402 Member Member Posts: 2,402 Member
    These girls on YouTube make thrifting look like so much fun, I’d like to try it out one day but would I be taking things away from people who legitimately can’t afford to shop anywhere else🤔


  • twitchandshouttwitchandshout Member Posts: 1,593 Member Member Posts: 1,593 Member
    xcqjmkx5gz9r.jpeg

    There are so many people alive today that have never had the satisfaction of slamming the receiver down over and over again.

    🤣
  • PlentyofProtein00PlentyofProtein00 Member Posts: 2,725 Member Member Posts: 2,725 Member
    vanityy99 wrote: »
    These girls on YouTube make thrifting look like so much fun, I’d like to try it out one day but would I be taking things away from people who legitimately can’t afford to shop anywhere else🤔



    Another argument is you are saving the planet from more unnecessary waste. Buy used instead of new.
  • vanityy99vanityy99 Member Posts: 2,402 Member Member Posts: 2,402 Member
    vanityy99 wrote: »
    These girls on YouTube make thrifting look like so much fun, I’d like to try it out one day but would I be taking things away from people who legitimately can’t afford to shop anywhere else🤔



    Another argument is you are saving the planet from more unnecessary waste. Buy used instead of new.
    😲so true. Ok that took some guilt away.
    Woooooo so exciting. I know what I’m doing after lockdown.
  • KosmosKittenKosmosKitten Member Posts: 9,898 Member Member Posts: 9,898 Member
    vanityy99 wrote: »
    These girls on YouTube make thrifting look like so much fun, I’d like to try it out one day but would I be taking things away from people who legitimately can’t afford to shop anywhere else🤔



    Another argument is you are saving the planet from more unnecessary waste. Buy used instead of new.

    Ah, you beat me to it.

    Yes, thrifting is for anyone who wants to do it. It's a good way to keep from buying fast fashion and is generally seen as a better option for the planet as a whole. If you want more upscale goods that are also second hand (and help cut down on waste contribution), there are consignment shops, online shops (like ThredUp and Poshmark) where you can buy gently used designer brands.

    Any and all second hand purchases are generally a better overall contribution to cutting down on waste. :)

    Besides, thrifting is a fun activity anyone can (and should) enjoy.

    I hope @vanityy99 has fun when she can go thrifting. :heart:
  • MotorsheenMotorsheen Member Posts: 19,758 Member Member Posts: 19,758 Member
    xcqjmkx5gz9r.jpeg

    There are so many people alive today that have never had the satisfaction of slamming the receiver down over and over again.

    .... or ripping it's cord from the wall and throwing the entire thing across the family room.


    stress management 101
  • MotorsheenMotorsheen Member Posts: 19,758 Member Member Posts: 19,758 Member
    vanityy99 wrote: »
    These girls on YouTube make thrifting look like so much fun, I’d like to try it out one day but would I be taking things away from people who legitimately can’t afford to shop anywhere else🤔



    Another argument is you are saving the planet from more unnecessary waste. Buy used instead of new.

    which planet ?
  • 777Gemma888777Gemma888 Member Posts: 9,563 Member Member Posts: 9,563 Member
    How early is too early to text someone in another time zone?

    Keeping to your MFP wife/husband allotted "talk time" is one way 😉 ... Can't be angering his/her other plus/× 1. 😂🤣🤣
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