Some folks enjoy haggling, my dad included. Me, not so much, but my experience getting preapproved (through autonavigator, in my case) was easily the best. Enter info, find desired car, get approval, print and bring to the dealer. They still made me meet with The Finance Manager, but he just did paperwork while I read my new manual. It's probably even better with a private seller. Good luck!

Thanks for this response. That is awesome! Rentals or flipping renovations?

i get paid 19 an hour and would kill for 35, but dont mind me, im just complaining on your thread

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Thank you!

If it makes a difference, I just checked the paperwork I signed when they gave me a raise and it states it’s a cost of living wage increase.

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Ah dang This makes sense. Thanks for the response!

Thank you for this!

If the KWH increased 100% YOY that means you physically used more electricity versus a change in the rates. Check the National Weather Service for a "departure from normal" temp for the months involved now and last year. Maybe it was really cold etc.

Okay so that’s an 8% raise. I’d def argue for more at the yearly review but it wouldn’t hurt to bring it up now.

However if they will be stingy then it will be hard for you to convince them because they already decided that the “manager” position is not essential and they can just pay another worker a little bit more to do the higher level work the manager did.

At that point the only thing you would be able to do would be less efficient so garner OT. You’d also just have the option to quite like the Manager did.

You can speak to your employer about a raise after you do the math. It’d be nice to make what you were making before but in 40 hrs instead of 50.

If they don’t budge, you can just work more slowly and get even more OT pay.

If that doesn’t sit well, you have a fancy new promotion to put on a resume when you interview at other companies.

We have a small 1,789 sf home with 1.5 bathrooms and 3 bedrooms. 2 bedrooms are very small. We do not have enough room for an au pair, we did look into it.

My daughter is in Kindergarten and my twin boys are in preschool. A nanny is $20-25 per hour here.

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Then you shouldn't need to make an estimated payment. I was just checking to make sure your losses can offset all your income.

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I went from $25/hr to $27hr.

Best of luck on your buying and future marriage! It's great that the two of you talk money with each other. So many couples don't.

Don't ask them. Ask /r/whatcarshouldibuy . Same expertise only from the consumer side.

Half the folks over at /r/askcarsales can't turn off the slimy mode.

Heh, I'm down about $70k in crypto myself, but I didn't realize it.

That said, I bought mine super early in the most recent bull run (early 2020)... so I'd still pay a capital gain on the sale. Just kicking myself for not selling last December, like everyone else.

Yeah, or staking Apr via protocols on Arbitrum

>I'm a bit confused how my brokerage (Merrill) can offer an interest rate on an upcoming treasury bill when it hasn't been auctioned yet and the interest is not known until auction date?

That's just an estimate of what the return will be. You're correct - you won't know the real return until after the auction.

>And how does a brokerage offer so many treasury bills outside of an upcoming auction (https://www.treasurydirect.gov/auctions/upcoming/)? Is that through the secondary market, as in someone is selling a bill before maturity and someone else is buying that bill?

Probably. I use Fidelity and you can buy new issue T-bills at auction, or existing bills on the secondary market. Their user interface has settings where you can view just new issues, or those being sold on the secondary market.

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You tell them you want to buy something. They find it and buy it for you. Just like buying anything else through a brokerage.

The vast majority of bonds you’ll find available are on the secondary markets, because that’s where the vast majority of bonds are.

If they offer the option, you may also be able to place bids at an auction through them.

I’ve never specifically used Merrill, so I can’t speak for them specifically how they display those options (as far as whatever yield you believe you are seeing). You may simply be mistaking which bond you are looking at. They may provide an estimated yield based on current market trends, as a guide, with no guarantee that’s what you’ll get. They may be offering to make a competitive bid at that price or better, with no guarantee you’ll win the auction. Or something else. Either read the description, or call and ask.