Posts by Larry Rivera2

Rachel Thomas60 said:The reality is that the "feeling" of slow time during childhood is essentially a result of a child's purity and sincerity—back then, there wasn't anything like the brain or the ego to disrupt it. A child is pure sensation without the weight of intellect, whereas an adult is mostly intellect without sensation, because those feelings get BLOCKED—not necessarily by the intellect itself, but by the ego. That EGO, which corrupts a person constantly, is the reason time feels like it's racing. The ego ACCELERATES thought, and faster thoughts mean a faster flow of time; slower thoughts mean a slower flow. The heart is a miracle... truly one of humanity's greatest mysteries. Einstein was right! Time relativity is a real thing. The corruption of the ego acts like a black hole for the heart, sucking up time just like a vacuum sucks up dust. 🙂

Spot on, great way to put it 🙂. Plus, when you're a kid, you aren't even aware that time is passing; you're just living in the moment. Once you grow up, you're drowning in worries and suddenly realize how fast everything is slipping away, which just makes time move even faster in your head.

Can someone actually answer this... Is it even possible to hack your sleep needs? Like, you’ve got a mountain of stuff to get done during the day, but since I need a solid 8-9 hours to function—otherwise I'm just a total wreck, cranky and moving in slow motion—I can't get through my to-do list. Some people seem fine on basically zero sleep, while others need an eternity. Can you actually train your body to run on less without feeling like garbage the next day?

Chris Peterson53 said:😉

Whether you sugarcoat it or not, information like that is sharper than a razor,
and it can wreck a man and his marriage because:
-he might already know but isn't ready to face the music—so by bringing it up, you're cornering him, humiliating him, or forcing a choice he isn't prepared to make (like a massive blowout fight or a divorce).
-or he genuinely doesn't know, and suddenly his entire world collapses, leaving him in total agony and heartbreak...
This is just one random example, but honestly? Honesty isn't some flag you should wave around recklessly without considering the wreckage you leave in your wake.
In fact, that old American proverb:
"Speech is silver, but silence is golden"
perfectly captures the idea that nothing—not even honesty or the truth—is universally applicable in every single situation...☕

And hey, there's also the chance she confesses, he forgives her, they stay together, and you just end up being the black sheep for sticking your nose where it doesn't belong. So, here's my honest take:😁

Dennis Adams said:So, look, everyone loves to preach about how honesty is this ultimate virtue... until someone actually pulls you aside and tells you straight up that you messed up. It’s easy to talk the talk when things are smooth, right? But personally, I have massive respect for friends who can just tell me when I’ve screwed up. When someone gives it to me straight, my respect for them just shoots up instantly. To me, that’s the real sign of a close bond. Then you’ve got those other types, though—people who’d much rather sugarcoat everything and wrap their words in velvet just to keep things "pleasant." It makes me wonder... have we all just become total emotional snowflakes? Like, if someone is just being blunt with you—not even trying to trash you in front of a crowd, just being real—do you immediately lose respect for them? For example, I honestly find myself respecting Donald Trump’s style way more because he’ll tell you exactly what’s on his mind. Compare that to Barack Obama, who acts all delicate and polished, saying everything so perfectly while who knows what he's actually thinking behind that calm exterior. Don't get me wrong, I'm not saying Donald Trump is some saint or a perfect guy, but when it comes to raw honesty, I’ll take that unrefined, blunt approach over a polished, high-society act any day of the week. What's your take on this? Which camp do you fall into? (And seriously, be honest)

If you're comparing Trump and Obama, you're talking business. Business requires a certain level of decorum. Everyone wants to tell their boss to get lost when they're stressed, but you can't—there's such a thing as professional etiquette and diplomacy. Otherwise, people would just be swinging hammers at each other. Honesty is great for friendships, sure, but in politics or corporate life? Not always. You also have to pick your battles. A dishonest person will just weaponize your transparency against you. On the flip side, having someone honest across from you makes communication easy because you actually know where you stand.

electricsailor33 said:Of course they can. At the end of the day, they’re the bank—they set the rules of the game. They haven't frozen your account yet simply because they aren't looking to cause you unnecessary trouble, but if you don't show up soon, don't be surprised when they do.

Can we please stop spreading misinformation without actually having any facts?🙂

goldencrane41 said:Look, man, coffee? Saving money? Nah, you gotta spend it. What am I supposed to do, just grind my life away saving up for some big "someday" that might never even happen if things go sideways... I'd much rather live it up while I can than sit around later kicking myself because I missed out. Money comes and goes, but those missed moments? They're gone for good.

Look, it’s not like you have to stash away half your paycheck every month. Why not just set aside at least $100 (or more if you're pulling in the big bucks), just to have a cushion for a trip or that one thing you've been eyeing forever?

crimsonseal13 said:Don't get me wrong, I definitely keep cash in my money market fund too! I just don't see eye to eye with you regarding these predictions about volatility... Nobody can predict those swings, period. It’s like claiming you know exactly which numbers will hit on the Wednesday Powerball drawing. No one has a crystal ball! And honestly, what does "volatility" even mean to you? A dip in the fund's NAV, a market correction, a specific sector slump, or just a certain percentage drop?

Nobody’s guaranteeing or predicting future fund values. But let's say they start tanking. Or life happens and you suddenly need cash. That's where the difference lies: you get your money instantly without extra fees. That's what security looks like. Compare that to savings accounts where you're getting hit with exit fees—not to mention entry fees when you open them—or certain funds that charge you just to get in or out.
We drifted off topic, but to wrap it up: if you're risk-averse, want decent interest, need security, and want access to your cash whenever, money market funds are the move. That pretty much answers the original question: Which type of savings pays off best?

Nicholas Turner said:How can you claim those funds are for "safe players" when even the S&P 500 doesn't guarantee your dollars?
Regarding CDs: What kind of CD are we talking about here? A Chase account? What's the term? And it isn't true that you lose all your interest—I personally have a contract stating I receive interest based on the duration the funds were held. I just want to say—it's not all black and white; there is plenty of gray area in between. 🙂

By "safe," I mean being able to pull your cash out quickly if the market starts acting crazy, without getting hit by fees or penalties like you would with other investments.
About the CDs—if you lock money away for 12 months but need it after 6, you aren't getting that 12-month rate; you get the 6-month rate. Unless, of course, you signed a fixed-rate deal where the rate stays the same regardless.
The bottom line? If you put $3333 into money market funds for 6 months versus a standard CD for the same period, the funds are going to net you more.

casualtrucker7 said:I used to be working, but now I'm just sitting on some savings in a high-yield account.

And yeah, watching those absolute clowns run for president—it definitely messed with my sleep, you're right about that.

Watched them too. Same exact mess. But hey, maybe it's finally time for 🙂

casualtrucker7 said:It doesn't really matter if it's JPMorgan Chase or anyone else—they've all been around the block. I looked at the averages since they started, and honestly, money market funds aren't exactly high-profit plays in the long run. They tend to look decent during a recession, sure, but they aren't where you stash cash for the long haul. They're more for "parking" extra liquidity—money you want accessible enough to grab whenever, then toss back in when you're done.

The point is, if you held your money in a fund like that for, say, five years, you’d probably walk away with less than if you’d just put it in a standard CD at a bank. That said, I'll give you this: as far as "on-demand savings" goes, they're top-tier.

Exactly. The whole point is that they aren't high-yield; they're for the savers who play it safe. Compared to a CD, they're easier—no contracts to babysit, and you don't get hit with those nasty penalties if you need to pull your money out early. So...
You work in banking or something? Or are you also losing sleep over this?😲🙂

Also, don't bother looking at returns since inception. It’s all about how long you actually have skin in the game. Like, if I dropped cash into a fund on January 1st, 2008, and kept it there for a year, I only care about what it did during that specific stretch. That's how you calculate actual profit, right? You look at the return for the period the money was actually sitting there, not some lifetime average.

That’s just JP Morgan Chase, I should probably check out some others, but let's not make it look like I'm running an ad here.
What I'm getting at is that money market funds are pretty much the best way to save right now if you're comparing them to anything else on the market.

crimsonseal13 said:Wow, someone discovered money market funds and suddenly thinks they've unlocked the secrets of the universe. By the way, feel free to mention that returns are actually closer to 2-8% and there's absolutely zero guarantee on those yields—no government backing included. Plus, having instant access to your cash whenever you feel like spending it isn't always the smartest move.

If the question is "what's the best place to park cash right now?" then yeah, it's money market funds. It's not rocket science, it's just facts. Zero fees, total liquidity, and yields around 8%. That beats a basic savings account any day. Most importantly, it's all documented; the money is secure. Even if the US dollar starts sliding, you can bail whenever you want.
And that bit about the government guarantee 😵? Like, if the government actually owed me money, I doubt my grandkids would ever see a dime. The government is broke. But hey, they've got big banks, so just keep saving and investing for the future and everything will be just fine. 🙂

Emily Foster5 said:SP+? I think you actually meant S+. That’s just how the client is categorized regarding their assets at Chase Bank.

Ahem... 🙂

Honestly, just head down to Chase and ask them directly. You’ll get the actual facts there, whereas this forum is just a mess of conflicting info and rumors that'll only leave you more confused. Go hit up the branch and let me know what they say.

Kenneth Brooks5 said:checking my checking account-standing order

On March 13, 2009, someone accidentally dropped about $0.67 into my account—basically just some random person's paycheck.

Then, on September 19, 2009, the bank went ahead and reversed that whole $0.67
.
The thing is, nobody asked me for permission—not verbally, not in writing—and they didn't even bother to notify me that they were pulling the money back.

Is a bank actually allowed to do that when the cash had been sitting in my account for six days?

If they aren't allowed, can I demand that the money they snatched from my account be put back so I can donate it to charity instead? (They could just deposit it directly to the charity so I don't look like a jerk.)

My take is that once money sits in an account for six days, it belongs to the account holder. It’s straight-up rude that they didn't give me a heads-up.

If anyone knows the actual banking regulations regarding this kind of situation, let me know what you think.

Thanks

Look, if you see the deposit hit your account, just walk into Chase or Bank of America and ask. One look at the transaction history and the date, and they'll tell you exactly where it came from. If money just "vanished," they can track the exact payout and how it happened. It’s not rocket science; you just gotta ask.

Grace Lee3 said:It’s something along those lines...
For someone who—let’s say—has an impeccable credit score, I’m looking for a quick breakdown of the pros and cons. Why go through with it? Or why skip it? If you could share a couple of words about yourselves—nothing more than what’s already publicly available online—I’d love to get a more nuanced perspective on this... Thanks in advance...

I’d suggest a Discover card. You get a set limit, and everything you swipe can be split into 36 monthly installments (or fewer if you feel like it). So, you just pay one installment a month, but you can wipe out the whole debt whenever you want. Like, if your bill from $67 hits, but you have $1,000 sitting there and want to clear the balance—just pay it. It's your call when to settle up.
There are plenty of stores offering interest-free installment plans. You could even book a trip through Expedia on an installment plan with zero interest.
Cash up to $1667 per month, or use the card at any terminal for up to your approved limit.