are you actually reading this with your eyes, or are you just trying to learn Morse code off the screen? because those look more like power buttons to me.
Come on guys, throw some links my way. casualwolf12 shared a decent forum, but that’s just one.
I figure you could definitely pick up a good amount of English there—I don't think they lean too hard into slang. Using Reddit as a comparison—you get all kinds of writers on certain subreddits, but on the more serious threads, the grammar and spelling are actually pretty solid. A foreigner might even be able to learn a thing or two from us. 😁
Does anyone know the major discussion boards (like Reddit or something similar) in English-speaking countries? Like the USA, the UK, Australia, etc.?
I tried searching on Google, but from what I can tell, sites like Reddit are among the most active platforms globally—which seems kind of wild to me. Or maybe I'm just overestimating things.
Basically, I'm looking for places where large groups actually hang out and post. I figured it might be one of the cheaper, more entertaining ways to work on my English writing skills.
I did stumble upon one, but it's pretty ridiculous—you have to wait about 30 days just to get access, and they're constantly begging for money to let you into the subforums where all the actual conversation happens.🤣
Yeah, banks calculate interest about the same way a bakery prices its bread. 🙄
Where are the variable costs? Where’s the risk premium, sovereign risk, the cost of capital, or projected inflation?
All of that just gets swallowed up by the bank's margin. The more bad debt they carry, the higher the interest rates go—it's basic math. I guess you can't really expect rates to be lower than what the government pays on its own bonds. Still, it’s probably safer to bet on the US Treasury paying back its debt than on someone like Pero Perić running his wholesale business at Pero LLC.
Besides, I don't think interest rates are actually your issue—it's the exchange rate.
Jerry Wright6 said:This waiting game cost you 6*$1277 installments you shouldn't have even had to deal with. In reality, they just tacked the moratorium onto your principal, which is putting even more pressure on you. You should have sold sooner. You didn't listen. Now that you're drawing a line in the sand, the deficit from wasted time—money you spent just to stay afloat—is going to be even larger, unless they hiked up your principal by $7667. Have you actually checked what it takes to close out this loan? How much do you owe the bank to walk away? The longer you stall, the deeper your hole gets... Forget all this talk about renting out rooms or scrambling for cash just to cover a monthly payment that’s basically 90% interest. Those first five years are a brutal slog. Once things start cracking, you need to fix it immediately if you want to salvage any profit with minimal losses... Your only saving grace is that starting November 1st, you won't be hit with prepayment penalties for paying off the loan in one shot... As soon as you sniff out someone who might be interested, make a deal. If they aren't biting, you'll have to create that interest by dropping your asking price...
wanderingotter98 said:Thanks... I'll try Googling it; that's how I found out about Inc... but I also need to include a term for a small business... though "enterprise" or "corporation" sounds much more significant than just a small business setup. :/
Finding the right word for a small business is pretty important to me. I tried using EUdict, and it suggested Trade. But I'm not entirely sure about that one. If anyone could confirm, I'd really appreciate it.
Probably a bit late to the party, but here goes. 🙂
sole proprietorship = proprietorship LLC = Private limited company
I don't know—it seems a little sketchy that you used your own Visa to access someone else's account. Not all cards are created up to the same standard, I guess. 🤷
Not sure if anyone else caught this, but I noticed Zaba is offering a student package right now. Apparently, they’ll let you overdraw your current account by up to $10 $0.00 provided you have regular deposits coming in.
By "regular deposits," does that strictly mean a standard W-2 employment contract, or would income from a student work-study job count too?
@edit
Also, I’ve got that basic Maestro debit card. Can I actually rack up any points or qualify for discounts with that thing down the line?
Technically, according to the law, that’s how many hours they should be putting in—a standard 40-hour week. Anything beyond that counts as overtime. But, well... 😁
That’s Björn Sjösstrand—the old man's son. I know the guy. He's got feet on the ground, but his hands are always all over the place... you can't really slip one past him. Give me a call at 060 2222-333!
For the housing savings, you calculated interest as if you were adding $1667 every single year—but for the kid’s account, you assumed you started with 25 $0.00 right out of the gate. In reality, the interest on the housing fund ends up being much higher than what you wrote—probably closer to $1167.
Plus, the whole point of housing savings is to lock in a low fixed interest rate, which isn't going to happen if you're using a child's savings plan instead.
Also, saying that money is always available with the kid's account isn't exactly true—if you pull it out before the term is up, they'll strip away that interest entirely.
So, if you're actually looking to tackle a housing issue, the housing savings plan is definitely the better way to go.
Jeremy Jackson2 said:Hey everyone! So, I was messing around with some numbers and did a little bit of math—hopefully, this helps someone out if you're looking at the same thing:
And who’s actually guaranteeing I’ll walk away with more than what a standard savings account offers?
Those kinds of money market returns were a fluke—they won't stay that high for long. This year, we're probably looking at maybe 4-5%, and that's about it. Not a bad spread, I guess, especially since you can pull your cash out or toss more in whenever you feel like it.
David Jackson4 said:Money market funds seem to be climbing pretty steadily, and they don't really deal with those crazy crashes you see with bond or stock funds, maybe seeing something like a 6-9% bump monthly. Plus, there aren't any entry or exit fees to worry about. I guess you can pull your cash whenever you need it, but the interest rate is still probably better than anything you'd find in a standard savings account or a CD.
Yeah, right. Even Chase was seeing returns around 0.61% back in 2009. 🙄Those days of "massive" money market yields are long gone...
