electric29

So looking over the past several months of my payments as the statements say they are applied to interest and principal, it makes little sense.

May, less principal than April
June, more principal than May
July, less principal than June

I have two loans and they both have the same pattern. No explanation given. I would think that each month the principal payment should grow as it did for the past few years. Any ideas?

I was driving to work this morning, brain just going off on its own as usual. I was remembering grade school days, and realized...

Maybe my narrative of everyone absolutely hating me wasn't true. Maybe the normal amount of kid teasing (especially from the boys) and razzing me for being bad at sports, did not mean that they all wanted me dead. Maybe I was overreacting.And maybe I have told myself this story so long I believe it.

Because it just doesn't really fit with who I am in real life. I have no trouble making friends. I have decades long friendships. Hell, I hardly ever even get blocked on Facebook. And the few people from that school that I have run into over the years (besides my

So, I realize that this is EXTREMELY rare and I am very lucky. But it has been on my mind.

I went to pick up my pills the other day. For one, the magic begins with, I have NEVER been told they were out of stock or had to wait longer than 24 hours for them to be ready. No matter which meds I was getting (I have Kaiser Permenente, in California). I also have NEVER been given any flack about my meds, my dosage, my anything.

I arrive and as it is a different time of day than I usually go, there is a HUGE line. It moves fast, but still. But one of the ten pharmacy clerks at the window sees me, remembers my name, and calls me up out of the back of the line to pickup. So I was in and out of the

DO YOUR HOMEWORK.

Please people, FIRST use Google to look up your item.
Then to see values, you can do an advanced search on Ebay for SOLD listings of similar stuff.

This sub is becoming boring and unusable because of all the 1990s and later modern, mass produced "it-has-a-designer-name-so-is-it-a-fake" posts.

Nobody bothers to fake stuff that is common as dirt and less than 30 years old.

Rant over.

We have had a rash of these. We run an online store, and apparently the scam works like this:

Scammer places an order using a fake email address and phone number, but a real person's credit card that they stole, and a diffrent real person's name and adrress. I think they must have changed the address on the credit card records to get around the fraud filters, as the card does authorize. The IP Address on the order is also in the same geographical area as the delivery address, but they can spoof that.

Then they would wait until it was shipped, and submit a claim and a chargeback saying they didn't get it, to get a refund on the stolen card, who knows how they get the actual cash back.

We

We have been selling online for decades and have taken Paypal since day one. Probably doing about $20 to $15K in transactions per year. All of a sudden they are randomly holding funds until products are delivered, not just shipped, the excuse they give is a change in our sales. I can't help it if their product is not being used by customers, why should we have to wait for the payment when it is nothing we have done? It's a scam so that they make interest on OUR money that they are holding. I am considering dumping it altogether. Anyone else having the same issues?

I have no idea why, but strting this morning, my feed is COVERED in Catholic (and other Christian sects) spam - ads, groups, posts from total strangers. Tons of it.Also, tons of ads for gun related merch, and "patriot" merch (all right wing). I am enjoying reporting each and every one as either offensive hate speech or violence, but it keeps pouring in.

I have gone in and deleted EVERY tagged interest. I have shut my profile down to friends only. I have no idea why this is going on. It's pretty much driving me out of there so no ad dollars for them!

Anyone else seeing this?

UPDATE:
After trying everything, I joined two more atheist groups and made one comment, then Facebook asked me

It wasn't as bad as I thought it would be.
Got the BB around the middle of August. It first showed us as eligible for $500K total (we already had $100K loan so in reality, a $400K increase). So we applied. This is on the same application as our original loan.
Then a few weeks later, I checked in again and they had raised it to $730K, oddly. So we tried to apply for that too. But then we got a note that the needed us to do it again on a second loan number, and it went back down to $500K total. Fine!
I did have to speak with a loan officer breifly and send her our tax returns by email as the portal just had a hard time taking my PDF.
We signed the docs on Friday and got the cash t

Hi fellow small biz people. Like many of you, we found 2020 to be a very hard time. We were grateful to get (and get forgiven for) 2 rounds of PPP, and we also got an EIDL loan, without which we would not have survived the year.
The EIDL didn't start accumulating interest until the payment schedule started 1 year after signing. The minimum payment was laughably low. But I knew that only paying the minimum was a bad idea, so I threw the numbers at a spreadsheet to see HOW bad it was. VERY educational.

Loan amount: $100,000

Interest rate 3.75% per year ( so another $312.50 a month)

Minimum payment: $488 a month (so you barely are paying more than the interest)

If paying only the mi

I switched from a completely low and ineffective level of Adderall to Concerta about 6 weeks ago. I knew it was making a tremendous difference, but I just got some numbers!

My psych evaluated me at the start with a questionnaire, and just ran it again. It is about depression and anxiety levels, and it breaks out the depression number by itself but shows a combined depression/anxiety number too.

Before: Depression 11, combined 23.

After: Depression 4, combined 6.

Wow!

It really makes me see that even though I think I am not always improving, my overall quality of life is improving.

Hi!

Nice to find this sub here on Reddit full of like minded people.
I would like to compile a list of people who can do EV conversions - anywhere in the world. We can supply the battery and propulsion systems and other parts, but people are ALWAYS asking where they can find labor for their project. Post me a link or PM me your contact info and I will try to find you some work. Tell me about yourself! Show me your projects!

We have been in the EV business online since 2004. We started out as parts for DIYers (as that was about all there was back in the day) then had our own line of all-electric scooters and motorcycles (Open Class 1st Place at the first TXGPP on the Isle of Man!), and