I just bought my parents a new refrigerator and the GEStore offers a loan with no interest as long as it's paid off in the first 12 months. I went with that because why not? Why pay $1700 out of pocket now when I can just pay $144-ish per month for 12 months?
Anyway, I looked at the terms of the loan and the details. It seems like they split your total purchase into 48 monthly payments. Weird. Ok who cares, I'll just do the math myself and make sure it gets paid off within 12 months. Then I saw the interest rate. 29.99%!!! Holy shit!!
I know that won't matter to me because I'll have this thing paid off in 12 months, even sooner if I want to. Really I could pay it off right now if I wanted to, but no reason to while it's interest-free. But that's insane! Someone who is less conscious of these kinds of things or less educated in finance would probably get screwed over by this thing.
Be careful with this kind of stuff!! By default, you often will NOT get the benefit of interest-fr... keep reading on reddit ➡
Edit: Relevant study for anyone interested: Here
Edit2: You guys are really great, I've really enjoyed reading through your personal experiences :) Please stop messaging me asking for acting advice though, what did you see on my profile that made you think I'm an actor?
Please see my edit at the bottom of this post!
"Nevada disclosed 1,099 new cases, double its previous high."
At the height of the pandemic for New York, in the second half of March, they were averaging about 9k cases a day. New York has a population of 19.4M people, meaning roughly 1 new case every day for every 2,160 people in New York in March. Nevada, with 3M people, set a record for themselves of 1 new case for every 2,700 people. And the numbers in Nevada are increasing fast. Nevada could pass New York's worst day in per capita terms in a week.
I just can't see the casinos there remaining open, and even if they do stay open, no one will want to visit from out of state.
EDIT: Turns out the overly big jump on June 26 was due to data from lab reports dated 23 and 24 June being included in the 26 June total. However, the brand-new numbers repor... keep reading on reddit ➡
Please note, the lady getting pregnant won't be having your baby.
Edit: Guys, please don’t blow up my DMs asking for recommendations. I’ve gotten a few hundred now and I don’t feel good about sending links to you all. This isn’t supposed to be an ad, this was supposed to be something you can use as a reference when researching a dash cam. I guarantee almost every dash cam with good ratings will be a good fit for you. Okay back to the post!
An old coworker told me an story about an accident that totaled his truck a while ago. He went through a greenlight, and a lady ran a red and t-boned him, totaling his truck. She paid off a witness at the bus stop and it was basically those two against his word. Fortunately, the bus was coming behind and caught the accident on it's cam. He tracked the bus down, and was able to get the footage from the bus and saved himself from jacked up premiums.
Here's some advice on picking a dash cam, and towards the bottom there will be some helpful advice on installing a dash cam legally. You heard that, there's a legal an... keep reading on reddit ➡
I graduated with a degree in Equity Studies (social justice) in 2011. Since then, I’ve found myself in left and far left social circles, as I’ve worked as a yoga teacher and massage therapist. In other words, I’m no stranger to the left although I like to think of myself as having nuanced views.
I’ve found over the past couple of years that the people on my social media are increasingly rigid and extreme regarding their ideas around race and privilege.
I believe we need to be discussing and addressing systemic racism and unequal treatment toward POC but the conversation on my social media has turned to blatant attacks on white people, their culture, their inherent racism, and endless jokes at the expense of “yt folx.”
Generally these attacks are made at the expense of white, liberal women, most of whom are genuinely trying to be allies. This results in these same white women self-flagellating, endlessly posting extreme views on defunding police, and bending over backwards to show... keep reading on reddit ➡
Nike missed analysts (COVID-revised) expectations significantly as one of the first major companies to report earnings for Q2+
This “miss” caught headlines, but folks are attributing the drop in the market to the rise in COVID cases. I think Nike’s miss is the bigger headline. I expect Apple to have a huge miss on Q2 earnings, given 60% of their revenue comes from iPhone sales. With most retailer stores that sell iPhones closed in Q2, coupled with the significantly longer upgrade cycles (folks just don’t need a phone every 12 months), I think this will send the market down hard.
The coming 6 weeks set the stage for the next 12-18 months for the market, in my opinion.
Positions - 95% cash. 5% SPY Puts ($240 10/16)
Been having a bad day and just felt the need to get this off my chest.
So about a year ago I (25F) ended up at the ER for what was this crazy pain on my R side. It would come and go, building up to the point that I was shaking and sweating from the pain before it would subside. I have a medical background and given the location of the pain, I thought I had a kidney infection. By the time I was admitted, a male ER doc came to evaluate my condition. My vitals were otherwise normal, no other symptoms besides the excruciating pain.
He tried to tell me it was period cramps. Wanted to discharge me and gave me a big lecture for wasting ER resources.
I kind of freaked out tbh. I said I was absolutely not leaving because this pain was not only in the wrong location, it was more severe than anything I’ve ever experienced, it’s only one sided, and even if was my period, what I’m feeling is nowhere near normal anyways. Long story short, I demanded some sort of scan and wouldn’t ya know it, I... keep reading on reddit ➡
This is the r/snowpiercer discussion thread for: Season 1, Episode 6 "Trouble Comes Sideways"
I've been doing bodyweight exercises, mostly chinups, every other day for months now since I've been quarantined. The problem is I haven't seen any progress really and I'm wondering if I'm doing something wrong.
I can manage about 4 chinups. Now those 4 chinups feel stronger but I still can't get past that number. I've read some posts about making sure I activate my back and shoulders while I'm doing the exercise but I have no idea what that even means.
Forgive me for being a complete noob but can someone explain to me what it means to activate these muscles while I'm doing the exercise?
Should I be focusing on that muscle? Like trying to shift my weight on to it? Or should I keep it contracted while I perform the exercise? Ir should i be attempting to isolate the muscle and perform the exercise using only those muscles? I'm not even sure if I'm capable of doing that but I'm just trying to figure out what that means.
Thank you for any advice and tips you can give me.
Thank... keep reading on reddit ➡
Like I want justice too. That cop, what he did, is horrible. Policing in this country has to be fixed.
But I've seen so much hate going around.
Somebody said that me saying "Most white people agree that this is horrible" made me, "part of the problem." A black girl on Facebook told me it's time black people take to the streets and "teach white people a lesson" and then called me privileged and racist when I told her that was horrible. I tried talking to her as a person, on an even level, while she kept berating me, then she said white people use civility as an excuse to silence black people. I don't know what to say to something like that. If me trying to talk to you civilly is me oppressing you, then - what do you want from me? You're calling for violence while calling for an end to racism. What do you want?
I'm so conflicted and confused, because it feels like the conversation is being framed as extremes: either white people are bad, or George Floyd deserved it, and if you... keep reading on reddit ➡
I’m on probation and can’t drink and shit. I’ve been doing good forever and I had a couple beers tonight cause I’ve been really stressing out and have a lot going on.
I went for a walk and this fucking psycho came out yelling at me while I was getting cat off the road and he kept stopping on the road and they thought I was doing something or I don’t even know.
They called the cops and they came to my house and I just told them I went to go grab my cat because he was walking down the road. I have to call them and tell them if I talked to cops within 24 hours and now I’m worried if they said something about the beer or something cause I was walking with one in my hand.
I’m scared if I call to tell them I talked to the cops they call me in for a drug test or something. Do you guys think they will? Is there anything I can do? Is there any chance 3-4 beers will be gone by noon tomorrow if they do? The cops didn’t say anything about me drinking a beer or anything.
I’m really fucking... keep reading on reddit ➡
Weed is different for everyone. If it helps you, kudos. I couldn’t say the same.
Im trying to not make this ridiculously long but its a weird situation.
I am a female I and am a assistant manager for security for a major retail company
As with the current climate this week, we have been handed down rules and what to do to follow if a riot protest occurs at our doors/area.
this all occurred in past 3 days
Was told by a worker who's husband works within 15 min, that his store was closing early that night due to potential protest. A shopper in my store also came to management and was asking "did you hear about potential protest tonight right around here".
was told to monitor situation by management in the building. That was done by me and my uniformed security guy
2 hrs later- had a small amount of protestors appear across the street, cops then sat in two patrol cars and waited there, protestors had a bullhorn we could hear them. Immediately it made the large amount of workers in my store upset. (long story short nothing went bad with protesters)
Followed th... keep reading on reddit ➡