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    Volthian

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    [–] Hotel staff sends photo updates to a boy who left his teddy bear behind Volthian 17 points ago in HumansBeingBros

    I did the same thing. Never read the book either, just sent it to family members across the country to see whose Stanley could get to the most places.

    [–] Made a bench rest today.👌Merry Christmas folks. 🎄 Volthian 11 points ago in guns

    Definitely not Cherry Hill, NJ. There are no mountains anywhere near there. Lived there for 15 years.

    [–] People who were alive then, what were you doing December 31st 1999 ? Volthian 1 points ago in AskReddit

    Probably running around as a 3 year old at my dad's new house since he and my mom got divorced the year before. Not sure though tbh. Obviously can't remember lol

    [–] [Serious] Brag about yourself! What is one accomplishment that you've done this year that you're proud of? Volthian 1 points ago in AskReddit

    I just finished this semester with a 3.6 GPA, registered for the LSATs, and interned with my state’s Democratic Party HQ, all while working full-time in a sales job and exceeding monthly sales goals, while also doing a company professional development program.

    More than one but it’s been a long 5 months 😅

    [–] [Parts] A little something to go with all your other festive AR accessories... Radian Raptor 5.56 charging handle, RED. $75.95 Volthian 3 points ago in gundeals

    Literally came onto r/gundeals to get a charging handle for my new 300 BLK build because the one I wanted was $80 on Primary Arms.

    What do I find?

    The exact charging handle I wanted for $60.

    God bless you r/gundeals. God bless.

    [–] Moving company misses original move date, charges extra for expedited moving the next day, Upon arrival force another contract for more money, then never arrives with all the stuff. Volthian 26 points ago in legaladvice

    NAL but work for a moving company.

    First check to make sure you're dealing with the actual moving company and not a broker. Second, your mom should have gotten a copy of the contract she signed with them or at least an email with an estimate with various details included - find those and read them carefully.

    If this is a moving company that is a long-haul van line, they probably will be picking up other people's items or loading your mom's stuff onto an 18-wheeler going to some other location north of Boston and then dropping her stuff off when they drive through. These van lines can give multi-day arrival windows because everything is dependent on the route and how many customers are in the vehicle. If they guaranteed delivery today, on the 30th or the 1st, make sure they deliver on that.

    Make sure that the moving company you contracted with are fully licensed, bonded, and insured. Make sure you look at EVERY piece of furniture coming off of the truck and ensure it is not damaged, and if it is, report it to the movers BEFORE they leave and ensure you call the office and get email verification of receipt of your claim.

    I don't think you need a lawyer yet, but it may be a good idea to shop around preemptively. It sounds like this is a long-haul van line and they didn't give your mom a specific delivery date, but be prepared for damages or lost items since it doesn't sound like this group is organized at all.

    EDIT: Also, make sure your mom knows what valuation coverage she received in her quote from the moving company. Federal law only requires a minimum coverage amount of $0.60 per pound. I.e if they break a TV that weighs 10lbs, she'll get $6, regardless of its actual value. They may have included some valuation coverage in case of any damages in her quote, she needs to call and verify this or review her quote and see if there's any 'Valuation' or 'Insurance' section outlined and ensure you know what amount you're covered up to.

    [–] Thought I’d park beside where the Challengers tend to hangout... Volthian 5 points ago in Mustang

    Oh dang nice. It looks oddly similar to a sewage treatment plant I visited on a class trip a while back 😂 and thanks!!

    [–] Thought I’d park beside where the Challengers tend to hangout... Volthian 8 points ago in Mustang

    I think the joke is that the background is a sewage treatment plant...?

    [–] Defense of Borrowing Volthian 0 points ago in StudentLoans

    Are you asking how to borrow student loans?

    Fill out your FAFSA at fafsa.gov to get lower interest rate federally subsidized student loans or pell grants. If that doesn't fully cover your tuition statement, see about getting scholarships or assistance through your school. Failing that, apply online with various lenders like Discover, Ally, Navient, et al, with a co-signer ready to take responsibility for the debt should you fail to pay. Recommend only taking out what you absolutely need to cover tuition and basic living, don't over-borrow to have extra spending money twice a year.

    [–] Student Loan through US Co-signer Volthian 1 points ago in StudentLoans

    I've only ever needed to get one rather small private loan for school, but when I did so I got it through Discover, so that's the only company I can personally speak for.

    That said, Discover has been pretty good for me personally. Basically you'll go through their loan application, state how much you need on your loan, enter personal info and such, complete the application, and then send it to your co-signer who will review it and sign on. Then you get to pick the various loan options, typically 3 types with fixed, variable, and pay during school or defer until after. You can just email them an invite to the loan and they just need to make an account to access it.

    An 8.31% interest rate is high, but its not unheard of for student loans. My current private student loan is at 9.44% variable, and my federally subsidized/unsubsidized loans hover between 4-5.5%. So its not out of the realm of possibility.

    Hope this helps!

    [–] Hit loans harder or enjoy some savings? Volthian 2 points ago in personalfinance

    Avalanche v.s Snowball repayment methods are both great. Whatever you feel comfortable doing is what you should do. I prefer the Snowball method because you can get rid of all of the annoying, small loans, and just focus on the big ones. And if you were really adhering to the avalanche method, you'd be OK with paying off your car early, just saying. Car loans are still debt.

    You don't have to diminish your savings that low. Dave Ramsey has a system of 'Baby Steps', step 1 is to get $1k in savings in the event of any car issues or medical bills, etc etc. If you have to use those funds, you simply just replenish it after you use it and then start back on the loan payments after.

    This sub is very protection oriented, which isn't a bad thing. I think a savings of $2k or $3k should be OK for you all right now if you're wary about going too low. The savings are there for car breakdowns and the like. Don't feel bad for using it for those things.

    As far as the wedding/celebration goes, you simply cash flow it. Add a weekly or monthly payment into your "Wedding/Celebration Fund" of X dollars built into your budget so that you have a fund amount of your desired total by the time you need to use it. For example, if you need $5,000 saved in 1 year for that, simply put $416 per month aside for that fund, or about $100 per week. Put it in an envelope at home or keep it separate from your checking account funds.

    If you half-do the debt repayment you'll be paying on these loans for ever. That's why I personally recommend tackling your loans head on first so you can be done with them and be debt free. Millions of people do this every year!! You can do it too.

    [–] 5 loans...which to pay off first? Volthian 3 points ago in StudentLoans

    There are generally 2 methods of paying off loans. Going from highest interest rate to lowest, or from smallest loan to largest.

    There are benefits for both, but I personally like the snowball method (going from smallest loan to largest). It basically works by making minimum payments on all of your loans and putting ALL extra cash towards that first loan, then rolling over all of that extra money + the minimum payment onto the next loan, and so on. Both methods are correct, neither are inherently wrong, and you'll end up paying all of the loans off around the same amount of time with either method.

    [–] Hit loans harder or enjoy some savings? Volthian 1 points ago in personalfinance

    I'm a fan of Dave Ramsey, so I will sort of use what his system is in my answer to your question. The short of it is that you should stop funding retirement accounts until all of your debts are paid off.

    Take your savings account down to $1,000 from $12,500 and use that $11.5k to pay off some of the student loans. Typically, Dave Ramsey recommends listing the debts smallest to largest, paying the minimum on all of them, attacking the smallest with everything you've got, and then using those funds + the minimum to attack the next one, and so on, and so on.

    So this is the order he recommends paying it off in:

    • Loan F (Paid by savings) - use minimum payment for loan A
    • Loan C (Paid by savings) - use minimum payment for loan A
    • Loan B (Paid by savings) - use minimum payment for loan A
    • Car loan (Paid by savings) - use minimum payment for loan A
    • Loan A
    • Loan E
    • Loan D
    • Loan G
    • Loan K
    • Loan H

    Ultimately, you're $118,000 in debt and broke. You need to cut your expenses and increase your income, which it appears you're already set on doing by your certification training, but you really need to jump onto these loans as quickly as possible and pay them down. Debt is debt, and as Dave would say, "the borrower is slave to the lender".

    [–] Is 'family liability protection' and 'personal liability insurance' the same thing? Volthian 1 points ago in Insurance

    Thanks for the info! I’ll definitely reach out to make sure everything lines up correctly.