Hi all, have been following this community for some time and hoping to get some thoughts on a couple things regarding FI.
Current situation: 35 years old. Quite risk-averse and very much a saver. Currently working 3 days per week (recent change) , salary $68-70k. Currently salary sacrificing an extra $300 per fortnight to superannuation which I recently reviewed and split 50% indexed High growth, 50% index Balanced. This may be too conservative but at the time it was just good to get off their high fee managed options at something close to 80% balanced. Total super currently approx $140k PPOR paid for.
Budget: I live fairly frugally but comfortably enough. Recently did a budget for the last 12 months and worked out my yearly costs to exist to be around $20k per year with small amounts of frivolous spending and not including major unforeseen expenses such as car breakdowns, major house repairs etc. This came to approx $420 per week with my take home pay being around $920 per week.
Upcoming major costs: New car when current one dies. Travel over the next 5-10 years as haven't done much.
Investments: Approx $205k VDHG $30kish in other shares
Cash approx $290k in HISAs majority getting around 5%.
What I need some thoughts on: I have a hope to continue in my current employment for approximately 5 years then reassess. I am fairly bored and at times dissatisfied with my job.
I think children for me are unlikely so where do I sit in terms of being able to self sustain my lifestyle if I retired at 40 or 45 years old? I have recently been thinking my cash allocation is too high. This is part of why I have started salary sacrificing to super. Small saving on tax and forces me in a way to DCA. My future investments are likely to be index funds as I have not been very good at picking stocks, or more so actually selling them when I have decent profits on the table. The tax inefficiency of managed funds capital gains with VDHG has been kind of frustrating so I am weighing up what to do about it. I don't think selling and moving is going to be worth the savings by the time I get hit with CGT again (I haven't actually worked out how much it would be but overall I am currently down about $6k not including cost base adjustments. Maybe It would be an overall loss?)
I was planning on a 5-10k parcel after the upcoming distribution and have thought about starting to invest in DHHF instead with new parcels AND turning off DRP on my VDHG and instead putting those distributions into DHHF also. Anyone have any thoughts on this? Would it be worth the hassle considering the only issue I have with VDHG is the capital gains bill every year. Being risk- averse I don't have any beef with the 10% bond allocation.
Any thoughts and comments would be appreciated.
Final thought. I am in a fantastic position financially and I would like to point out that despite this I have some rather large holes in other areas of my life. Some if it is just the way things go however some of it has been exacerbated by my goals of FI. I encourage everyone to regularly reflect on their life, wants and needs as a whole as there are times in life when those other holes become harder to fill.

I am highly disappointed in Samsung. I have been a loyal customer for years. I prdered the s23 ultra during presale and i got good battery life for about a week. I waited to see if it would increase but it got worse. I wqe gettint 10 hours if I was lucky before it died. I paid for the battery life. I sent in and argued with samsung for hours bc 3 agents told me i was gonna get a replacement and not my old one shipped back. I was waiting on a call to go over the repairs that were done. But my phone was already being shipped and with the findings of there was nothing wrong. I was told it went through a huge testk and inspection process to see if it past their test. I was told it did and they coulnt duplicate the issue. And that the only thing that they did was a software update. I got the phone and had to do a software up date. So not I extremely passed off at the customer service and that my "fixed" phone is getting 10 hours of battery life STILL. Since pre-sale I have spent 27 hours on the phone with them for both this issue and the canceling another order and refused to let me redo it and have a price match. I am TRIED OF THEIR LIES AND SHITTY CUSTOMER SERVICE. DO BETTER AND DO RIGHT BY YOUR CUSTOMERS WHO SPEND A SHIT LOAD ON A PRODUCT AND EXPECTING IT TO WORK THE WAY IT WAS SAID TO! any advice?

I have a 7 year old female beagle, she’s had skin issues for awhile and we are trying simplicef to see if it helps if it’s bacterial.
Tonight she peed in our house 3 times, including on our bed. One puddle was huge. She’s never done this randomly. The one time she did it was because of a steroid she was prescribed. Could this be a possible side effect of being on the antibiotic? She’s been drinking more water than normal. She has been on the medication for 7 days now and still has 7 days left… thank you.

The scene where Daisy and Sam are trying to write a song together at Teddy’s house:
Sam: strums guitar
Daisy: wow what is that 🤩🤩🤩
Sam: oh just a riff my brothers been working on…plays just D minor for what appears to be hours
😹😹😹
(Loved the actual song in the end but yeah the process scenes made us laugh so hard 😹😹😹)

(Notebook Acer Aspire 5 A515-51G-72DB Intel i7 7500U 2.7Ghz - 3.5Ghz - Nvidea Gforce 940mx 2GB - RAM 8GB DDR 4 . 1TB
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I've been trying to solve the problem of lag / falling fraps for days, I've followed several tutorials, from changing the values ​​of BlockFramerete and Vsync in Skyrim.prefs to adding Nexus mods to increase performance such as eFPS - Exterior FPS boost , Skyrim Project Optimization SE , Insignificant Object Remove , Shadow Boost , Unofficial Skyrim Special Edition Patch, SSE Engine Fixes (skse64 plugin) , SSE Fixes powerofthree's Tweaks Papyrus Tweaks NG SSE Display Tweaks Skyrim Priority SE AE - skse plugin
The mods I use are from FNIS to some followers and some houses I don't use ANY ENB or something that improves the graphics
and I already run at minimum
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and it doesn't matter what I do everywhere from those little crashes and falling fraps that you can't ride a horse, you can't battle properly,
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I'm about to give up
I don't know if I installed it wrong
I follow everything step by step and do all priority order in Vortex
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I wanted to know from someone who is experienced if I am demanding too much from the computer or if I am really doing something very wrong
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because I see a lot of game play videos of people with more than 900 mods and I don't have 100, half of which is in an attempt to stop it from crashing

I have chronic pain and migraines and for 14 years had the best nurse dog. She would lay with me when I was sick, not ask to go out or eat, she’d just be. I lost her in august and now have 2 high energy dogs under 1.
I was sicker than I’ve ever been in a long time today and both puppies stayed with me all day. They’ve been progressively better at being nurses but today they were perfect. One even came into our horribly small bathroom and stayed with me every time I went to throw up. He’d stand in the bathtub because it’s the only place he’d fit.
On a normal day they’d cause chaos throughout the house and today they just laid with me, even after my husband came home. We don’t deserve dogs.

Hi everyone. I’m a full time student in my first year of college at 23 years old. I also work “part-time” 3 nights a week 10 hour shifts and been in a long term relationship for years. I’m feeling worn-off and about to lose my mind. I thought I could juggle everything and it was just a matter of time management. That, and without mentioning house chores, doing errands, working out, homework and friendships. Obviously, there are days I can’t do everything. I’m lucky to have an understanding boyfriend and still live with my parents, although, they don’t pay for my personal stuff, therefore I gotta work. Is it really possible to balance those three? Or I just need to be more efficient with my time?

This happened last year but as prom season is approaching, it was brought up again.
My husband and I have been married for 9 years. He has an older daughter, Hannah, who was 18 when this happened, 19 now. Together, we had two kids, Savannah who was 7 when this happened (now 8) and Billy who was 5 when this happened and is now 6.
Hannah and her friends got ready for prom at our house. The plan was also to take pictures on our property as we have a lot of land and some cool stuff there. As it turns out, most of these girls have a lot of siblings that are significantly younger so they had the idea to take a group shot with all of them. At first, Savannah and Billy were all for it.
The girls and their dates started taking pictures. The other parents and the younger siblings were starting to arrive. That’s when Savannah asked me if she could have a friend sleepover that night. As it was getting quite late and we already had so much going on, I told her she could have one next weekend.
Well, this set Savannah off. I really think it was a combo of having so many people over, being overstimulated, a long day of school prior. That was just the cherry on the “it’s hard to be 7” cake. She had a meltdown and stormed into her room, refusing to come out. Both my husband and I tried but she was just not in the mood. We explained this meant a lot to her sister, her friends were down there, no dice.
We only had a few minutes to make a choice. Force Savannah downstairs and she’s miserable, potentially ruining pictures. Or, we let it go.
So, that’s what we did. Billy happily took the pictures. We didn’t elaborate at first as to why Savannah wasn’t there, not wanting to ruin Hannah’s fun. She didn’t seem to mind.
The next day, she asked what happened. I explained. Hannah got upset and said we should’ve made her come downstairs. I tried to explain that would’ve been a bad idea but she insisted that we were wrong.
Savannah, on her own, did apologize. All Hannah had to say is she only gets one prom. I offered to retake the photo but Hannah said the moment had passed.
It blew over, everything was fine. Hannah and Savannah get along great.
And now with prom season coming up, Savannah has seen ads and dresses, etc. She recently asked me, in front of my friend, “remember how I didn’t take a picture with Sissy? I wish I had.” Friend asked me to elaborate, so I explained. Friend told me I was absolutely in the wrong and I should’ve had Savannah come down. If she scowled, fine, but at least she’d be in the picture.
AITA?

I just nearly completed a ritual from Gallery of Magick. I’ve had success with their rituals and really appreciate them. For the very last part of this most recent one, it says to bury the item I’ve worked on, “anywhere that isn’t a graveyard, preferably on my property”.
My issue is, I live in an apartment building and I’d be worried that a neighbor would see me digging in the courtyard garden, or worse, dig up the material (that contains a name). I’d feel better with it closer to me, but both options definitely rouse anxiety. I went to bury it in the park today but it didn’t feel right. So my options are, my house plant or the barren garden in my apartment courtyard (that will likely get dug up soon to make room for spring flowers).
I’m likely overthinking this but any advice is appreciated.

Okay so I'm just starting out on a food truck and this is really the only thing I'm confused on. I know your portable genny can run for so many hours per day, but how do they connect to an external source at a commissary? Are gennys just equipped with an option to do it, or are you needing to rig it into the systems. Everything here in indiana has to be based out of a commissary, otherwise I'd plug into my house.

ive been looking for this book for years, i read it in elementary school and i have googled it over and over looking through SO MANY BOOKS, maybe im remembering something wrong and that's why i can't find it? any help would be greatly appreciated!!
what i remember is
-boy is on airplane.
-boy goes to the bathroom, has pain¿ in his eye, or sees something/someone in his eye.
-boy touches the reflection of his eye in the mirror.
-boy wakes up in a forest, he is suddenly very small, there are other tiny people with little burrows in the ground¿ i think, or they all lived in one hole in the ground?
-boy befriends small forest girl, she decides to help him get back to his real body.
-he ends up really enjoying his time there, his time with her, and helping the other tiny forest people get ready for winter.
-burrow ends up being very close to his house for a big person, but a far journey for a small one
-tiny boy sees his irl big body/family through a window, he has to make the decision to stay or go back, his irl body was walking around in a catatonic unresponsive state since the plane landed.
-book ends with boy back in his irl body, remembers everything and starts leaving food and cloth scraps near the entrance of the burrow.

Here are options for downloading or watching John Wick: Chapter 4 streaming the full movie online for free on 123movies & Reddit, including where to watch the anticipated artificial intelligence horror movie at home. John Wick: Chapter 4 2023 available to stream? Is watching John Wick: Chapter 4 on Disney Plus, HBO Max, Netflix or Amazon Prime? Yes, we have found an authentic streaming option/service and is now available to watch from the comfort of your own home.
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Is John Wick: Chapter 4 on Netflix?
John Wick: Chapter 4 is not available to watch on Netflix. If you're interested in other Movies and shows, one can access the vast library of titles within Netflix under various subscription costs depending on the plan you choose: $9.99 per month for the basic plan, $15.99 monthly for the standard plan, and $19.99 a month for the premium plan.
Is John Wick: Chapter 4 on Hulu?
They're not on Hulu, either! But prices for this streaming service currently start at $6.99 per month, or $69.99 for the whole year. For the ad-fre eversion, it's $12.99 per month, $64.99 per month for Hulu + Live TV, or $70.99 for the ad-free Hulu + Live TV.
Is John Wick: Chapter 4 on Disney Plus?
No sign of John Wick: Chapter 4 on Disney +,which is proof that the House of Mouse doesn't have its hands on every franchise! Home tothe likes of 'Star Wars', 'Marvel', 'Pixar', National Geographic', ESPN, STAR and so much more, Disney+ is available at the annual membership fee of $79.99, or the monthly cost of$7.99. If you're a fan of even one of these brands, then signing up to Disney+ is definitely worth it, and there aren't any ads, either.
Is John Wick: Chapter 4 on HBO Max?
Sorry, John Wick: Chapter 4is not available on HBO Max. There is a lot of content from HBO Max for $14.99 a month, such a subscription is ad-free and it allows you to access all the titles in the library of HBO Max. The streaming platform announced an ad-supported version that costs a lot less at the price of $9.99 per month.
Is John Wick: Chapter 4 on Amazon Video?
Unfortunately, John Wick: Chapter 4is not available to stream for free on Amazon Prime Video. However, you can choose others hows and Movies to watch from there as it has a wide variety of shows and Movies that you can choose from for $14.99 a month.
Is John Wick: Chapter 4 on Peacock?
John Wick: Chapter 4is not available to watch on Peacock at the time of writing. Peacock offers a subscription costing$4.99 a month or $49.99 per year for a premium account. As their namesake, the streaming platform is free with content out in the open, however, limited.
Is John Wick: Chapter 4 on Paramount Plus?
John Wick: Chapter 4is not on Paramount Plus. Paramount Plus has two subscription options: the basic version ad-supported Paramount+ Essential service costs$4.99 per month, and an ad-free premium plan for $9.99 per month. costs$4.99 per month, and an ad-free premium plan for $9.99 per month. (INSAALLAH)

Scream 6 is not available to watch on Netflix. If you're interested in other Movies and shows, one can access the vast library of titles within Netflix under various subscription costs depending on the plan you choose: $9.99 per month for the basic plan, $15.99 monthly for the standard plan, and $19.99 a month for the premium plan.
https://heremovieshd.com/en/movie/934433/scream-vi
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Is Scream 6 on Hulu?
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They're not on Hulu, either! But prices for this streaming service currently start at $6.99 per month, or $69.99 for the whole year. For the ad-fre eversion, it's $12.99 per month, $64.99 per month for Hulu + Live TV, or $70.99 for the ad-free Hulu + Live TV.
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Is Scream 6on Disney Plus?
​
​
​
No sign of Scream 6on Disney +,which is proof that the House of Mouse doesn't have its hands on every franchise! Home tothe likes of 'Star Wars', 'Marvel', 'Pixar', National Geographic', ESPN, STAR and so much more, Disney+ is available at the annual membership fee of $79.99, or the monthly cost of$7.99. If you're a fan of even one of these brands, then signing up to Disney+ is definitely worth it, and there aren't any ads, either.
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Is Scream 6on HBO Max?
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​
​
Sorry, Scream 6is not available on HBO Max. There is a lot of content from HBO Max for $14.99 a month, such a subscription is ad-free and it allows you to access all the titles in the library of HBO Max. The streaming platform announced an ad-supported version that costs a lot less at the price of $9.99 per month.
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Is Scream 6on Amazon Video?
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​
​
Unfortunately, Scream 6is not available to stream for free on Amazon Prime Video. However, you can choose others hows and Movies to watch from there as it has a wide variety of shows and Movies that you can choose from for $14.99 a month.
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​
Is Scream 6on Peacock?
​
​
​
Scream 6is not available to watch on Peacock at the time of writing. Peacock offers a subscription costing$4.99 a month or $49.99 per year for a premium account. As their namesake, the streaming platform is free with content out in the open, however, limited.
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Is Scream 6on Paramount Plus?
​
Scream 6is not on Paramount Plus. Paramount Plus has two subscription options: the basic version ad-supported Paramount+ Essential service costs$4.99 per month, and an ad-free premium plan for $9.99 per month. costs$4.99 per month, and an ad-free premium plan for $9.99 per month (INSAALLAH)

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• Submitted 2021-09-29 21:40 (UTC)
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  • Deletion detected at 2023-03-25 04:40 (UTC)

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[REQ] (1100 USD) (#Houston, TX, USA) (Repay 1175 by Oct 30th)

Post contents

Just started getting back on my feet after losing my job because of covid. I have a steady job now, but my car needs its cv joints repaired and an alignment (the misalignment has caused my two front tires to go almost bald in just a few weeks - the alignment can only be performed after replacing the joints). Because of the lack of a job, my roommate has been covering my end for some time now, but can no longer afford it. This 1100 is going both towards my car so i can continue going to work and to pay my friend the rent for this coming month.
Thank you so much.