2021.10.19 21:05 canadamanfromwest POV you just burned the living shit out of your neck
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2021.10.19 21:05 Pretendmanatee Two “completed” steel legion troopers! I’m going to take some nicer pics when the full squad is done!
2021.10.19 21:05 Adnonymous96 Anyone have hacks for cleaning your dusty Bionicles?
2021.10.19 21:05 FNK7NK 37K Student dept left after 8 years of work, best path for the future
Dear Reddit community of wisdom,
I seek your knowledge to choose a better path for the future.
I have graduated in 2013 from a Canadian university in mechanical engineering. By the time I've got my degree, I racked up 76K in dept. I started the university with about a 1000$ in the bank. I didn't get a government student load, all I got was a "student credit line" at a bank. I didn't had to repay the amount while in school, the interest piled on top of it until graduation.
Fast forward to 2021, I "only" have 37K left to payback. My Equifax credit rating is 862 (maybe this information is relevant later on) and their range is from 300 min to 900 max.
We bought an okay house 1.5 years ago and we have a kid due by end of January. 10% down on the house, about 7K in the "house account", most of the baby stuff is already bought, credit card at Zero balance, no car payments. No payments other than the house, the city taxes and the damn student loan at ~4.65%. Need to call if I can get a lower rate.
Paths to a better future
Path A - Pay Dept as quickly as possible.
The path I prefer is to pay what is left as quickly as possible. I currently pay 467$ montly. Been frugal, I can add an extra 5000$ per year, for about 10 600$ per year. In about 3 years I could pay back the load. I do factor in the kid needs, the parental leave at 75%, but I will need another car somewhere in 2022. Even before the car, I only have ~400$ in personals spending per month. *If we go to a restaurant, see a show, etc. We take this money from the "House account" as we have a budget for thoses activities.
Path B - Spread the payment over a longer period.
The wife believe it would be better to call the bank and see if it's possible to lower the repayment amount, from 467$ to ~300$. Her thinking is to make the money grow, then pay what is possible at the end of the year. Yes it will take longer to pay back the total amount, but life can be better and the extra savings can come handy.
Question to all
If it was you, how would you tackle this dept?
submitted by FNK7NK to PersonalFinanceCanada [link] [comments]
2021.10.19 21:05 DemiFiendRSA [TV] The Flash | Season 8 Trailer
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2021.10.19 21:05 Bl4kDynamite You can't teach children this nonsense!
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2021.10.19 21:05 ZoolShop Angelina Jolie's kids are all grown up, wear her old dresses on 'Eternals' red carpet
2021.10.19 21:05 Massive_Dinner 🔸▪️MiniBnb 🔸▪️| Stealth Launch 5 Minutes | Low Marketcap | Liquidity locked | Great Community 🦾 🔸Have you been looking for the next moonshot ? 🔥🔥🔥
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submitted by Massive_Dinner to SatoshiBets [link] [comments]
2021.10.19 21:05 npaled 24 [m4f] #Franklin looking to make some naughty content together
Hi all! I am seeing if there is anyone in the area that would be down to film some naughty content with me. Either to post on my page, your page, I don't really care where hahah! I am looking for anytime, I can host. Please be ddf and serious about filming. I am 5'10, 165lbs, an athletic build, and 7.5". Take a look at my profile if you're interested and let me know!
submitted by npaled to bostonr4r [link] [comments]
2021.10.19 21:05 Cyborgscript Bulk upload 10000 NFT collection on opensea using smart contract on Ethereum blockchain
2021.10.19 21:05 ooooo_lou Chestnuts Roasting on an Open Fire!
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2021.10.19 21:05 gamer1912 lol check
2021.10.19 21:05 Phatapp White Widow. First grow for myself, one plant yielded over 1.5lbs.
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2021.10.19 21:05 YardBubbly SHM Miami! UMF?!
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2021.10.19 21:05 anti_MATT_er Squid Game - Round 5 (Penultimate)
Context Intro | Round 1 | Round 2 | Round 3 | Round 4
List of Players
Results of Round 4 The pairs of players played a betting game of marbles against their teammates and the unlucky were eliminated, leaving only six players. Let's see whose luck continues and whose will run out this next to last round.
Round 5 Game Welcome, players and VIPs! The game will be trying to cross a bridge where each randomly generated level will have two glass tiles, one of which will break and eliminate you from the game. The bridge is seven levels long and the order you will go in has been randomly generated as seen in the list below.
I will ask the first player to make their move in the comments and so on. A player behind can reply with all the moves up to that point plus one if they really want to go ahead. If someone doesn't respond after 12 hours, a player behind can reply to push and eliminate them but give insight into the next safe tile.
2021.10.19 21:05 THEZUKUS Huma Abedin hits gala after Vogue posts Anthony Weiner memoir excerpt
2021.10.19 21:05 nolleecall Nolan Callecod - March (Ambient Post-Rock)
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2021.10.19 21:05 MorningDew5270 Hamilton Farmers Markets Can Now Sell Craft Beer From Local Brewers
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2021.10.19 21:05 Yo_Yo_Piraka Spider-Pumpkin bioformer
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2021.10.19 21:05 va_wanderer Finally, my Traversal of Choice.
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2021.10.19 21:05 introsort [Hiring] CONTRACT - Data Scientist (NTD) - Careers at Nintendo of America (Nintendo)
To learn more and apply for the job, please see CONTRACT - Data Scientist (NTD) - Careers at Nintendo of America
submitted by introsort to nintendo_jobs [link] [comments]
2021.10.19 21:05 Justin__Time Algofi V2 on Testnet
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2021.10.19 21:05 christopherlb PHD, Masters and Undergraduate Level Writer- Competency, Quality and Quick Turnaround time- HIRE ME TODAY- at Tutorchriss@gmail.com , Discord - christopherlb#9322
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submitted by christopherlb to Writers_Bay [link] [comments]
2021.10.19 21:05 Impossible-Demand741 Anyone know of any dating sites/apps that are truly free?
I can't seem to find any that doesn't have some bullshit trick to try to get you to purchase a subscription or pay for a feature that should be included, like chatting.
Also I've tried a few of the popular ones but they aren't free either. But Bumble is BS. OkCupid is full of weirdos. POF is just confusing. And every other app is turned into a horntoad beacon.
How do I apply to be a catlady?
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2021.10.19 21:05 TorettoMaster1 IWFTR
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