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Any suggestions for a good provider for Washington state? Does it matter if the provider has a different city in Washington as their address?

"What's wrong with my wife's body image?" BFA and circles with shocked hubby on thumbnail.

The couple vblog then is them talking all about something else never even mentioning her body image. Sigghhh

I noticed tip jars showing up in fast food restaurants at the end of the COVID restrictions. It is like they are saying "COVID didn't shut us down, so we deserve a tip."

My UPS mailbox is a different zip code than my brothers address (currently filed with my employer), but they are in the same city and state.

The Airbnb I am renting for a few months is in a different city, but same state.

I just want to make sure I am not causing any issues using my UPS mailbox which really makes managing my mail 1000x easier than having to continuously change addresses and risks mail going to the wrong place.

> Shouldn't cause a problem, but like others have suggested it's better to use a mailbox service instead of USPS. You won't be able to receive FedEx or UPS at those.

Pretty sure OP can receive UPS packages at a UPS mailbox.

Churning can be great. It’s not for everybody. The banks are willing to put up with losing money on a handful of customers because the majority of people are not responsible enough and wind up getting sucked in.

It feels to good to be true but it is. IMO Now that churning has become so mainstream I think banks will scale back the bonuses as we get into a credit crunch over the next few years.

Stop paying by Echeck.

I have several bills that insist on a "convenience fee". So I make them process a physical check for free. Sucks for me, sucks for them...but I'm not going to pay more to make their job easier.

I'm sorry to hear about the loss of your spouse's mother. Dealing with insurance paperwork and the loss of a loved one can be overwhelming, but there are resources available to help you navigate this process.

First, it's important to identify all of the insurance policies that may be relevant to the deceased's estate. This may include life insurance policies, health insurance policies, long-term care insurance policies, and any other policies that may provide financial coverage in the event of the policyholder's death. To find this information, you can start by looking through the deceased's financial records, including bank statements, credit card statements, and any other documents that may list insurance policy information. You can also try contacting the insurance companies directly to inquire about any policies that may be in place.

As for the names and addresses of doctors and hospitals that treated the insured over the past five years, this information may be available through the deceased's medical records. You can try contacting the hospitals and doctors directly to request copies of the records, or you can ask the insurance company for assistance in obtaining this information. Keep in mind that there may be privacy laws that govern the release of medical records, so it's important to follow the appropriate procedures when requesting this information.

Regarding next of kin, this term typically refers to the closest living relative of the deceased, such as a spouse, child, parent, or sibling. In most cases, the insurance payout would go to the designated beneficiary, who is typically named in the policy. If the beneficiary is not able to receive the payout, it may go to the next of kin as
determined by the terms of the policy and applicable state laws. It's a good idea to review the policy carefully and consult with an attorney if you have any questions about the distribution of the insurance payout.

I hope this information is helpful. Again, I'm sorry for your loss and I hope you are able to find the support you need during this difficult time.

Really

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For me, buying the $282k house is a no-brainer. As is knowing that I don't need to furnish a new house. You need a bed. Your daughter needs a bed. Buy a sofa. The rest can come later or be bought second hand and updated with paint. New homeowners often make the mistake thinking a house needs to be fully furnished with brand new furniture and decorated with new rugs and accessories. I'd also caution that new builds often mean that the new homeowner needs to buy and install window coverings.

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Definitely tell them. But you need to save screen shots of the website before they change it. Keep the evidence

I dunno, it helps filter out bad waitstaff pretty quickly. But I don’t think poor performance of a job should be paid the same as high performance, which I know is counter to Reddit culture.

Have you tried the I Bonds? Or have you known others to? What’s their experience, and isn’t it adjusted inflation like retirement accounts?

Same here, my building charges $75 payment portal fees. I snail mail a check through my bank... No fees

This is an excellent PF 101 response.

First and foremost, send 'em a screenshot of the text you referred to on their website. In addition, the extra 3.25 should have still been added to your account, so even if your next payment is the normal payment minus the extra 3.25 of the last few months, you should still be paid up properly. Double check that with them though.

Also, please dont do things like a charge back, like someone recommended below. If your HOA is like mine, you end up with a lien on your house.

If you are totally unsure just pick the appropriate "retire" target date fund based on what year you wanna retire.

One further point to this is that there are brokered CD's that offer full liquidity and higher rates. Brokered CD's function the same (guaranteed rate, FDIC insured, etc) but there is a market for them to be sold if you need your cash back. There is interest rate risk (as rates go up, the underlying value will go down. But if you hold to maturity then you receive a full return of your principal) but with short durations, the impact is negligible.

I am seeing 3-month CD rates north of 4% and the 1 & 2 year CDs are at ~4.65%.

My building's payment portal charges $75 if I pay by card. I never once used it and have my rent check mailed in via my bank. They rolled out a new app for paying as well, similar fees - didn't even install it.

Don't pay rent in wonky ways. They can supply an address for snail mail and there's no fee

I think it’s fine to share costs of payment acceptance and I actually prefer it. But by sharing those costs you may make me realize that you’re not honest in your information OR you’re poorly researching your payment providers to have competitive vendors, which is indirectly costing me more money.

For example, vehicle registration can be done by cash or check with no additional fee (that level of detail can be difficult to compute for government agencies) but credit cards have the merchant service fee passed to the person making the payment.

Those who aren’t making the “cost of business” more expensive since they’re paying by cash/check get to also pay a smaller amount.

I’d like to get a % off when I use Apple Pay since last I read there’s a 2% processing fee vs the more common 3%+ for visa/Mastercard.

From what I can tell after reading over the agreement multiple times it doesn't state anything about penalties for early payoff. Though it also doesn't say anything about it which concerns me.