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A CD rate refers to the interest someone can earn on a certificate of deposit over time.
A certificate of deposit (CD) is a term deposit where funds are only accessible after a set period. A CD rate refers to the interest that a person can earn on a certificate of deposit over time. There’s more to understand about CDs, including the factors that affect them and the various ways you can find solid rates.
Read on to learn how Credit.com can help you boost your financial knowledge and better understand how CD rates work.
Key Takeaways
Certificates of deposit (CDs) are savings accounts that brokerage firms, commercial banks, credit unions, and other financial institutions offer for set amounts of time.
The term CD rate refers to the interest you can gain on a CD account.
Inflation, trends in the banking industry, and government policies can impact CD rates.
Table of contents:
What Is a CD (Certificate of Deposit)?
A certificate of deposit (CD) is a term deposit (sometimes called a time deposit) wherein funds are set aside for a preset period of time. Once a person puts money toward a CD, they can’t access those funds until the account reaches maturity—or the date when the term ends.
Brokerage firms, commercial banks, credit unions, and most other financial institutions sell a selection of CDs that patrons can opt into. Some of the best banking apps available let you browse an institution’s inventory of CDs with your smartphone.
How Does a CD Work?
With a CD, a person deposits a certain amount of money into a time-locked account that’s offered by a financial institution. The institution will then borrow that money to make purchases or investments that will ideally generate more revenue. Since the bank is borrowing your money, they have to pay you interest that’s determined by your CD’s interest rate—often just called a CD rate for short.
If you’re still wondering, “How do CDs work?” here’s an example: Let’s say you put $1,000 toward a CD with a five-year term and an annual percentage yield (APY) of 3.14%. Once the account reaches maturity, you’ll earn $167.74 in interest.
What Are Add-On CDs?
Add-on CDs let people put more money toward a CD before it reaches maturity. You still can’t access the funds until the term ends, but you can increase the interest you’ll earn up to a certain amount.
CD vs. Savings Account
CDs and savings accounts meet two different needs. Savings accounts are solid ways to store funds for long periods. CDs, on the other hand, are investments to make money in the future. Savings accounts, especially high-yield savings accounts, can also generate revenue based on the total funds within the account. CDs, however, can yield revenue based on one initial deposit.
Patrons typically can’t add more money to a CD or access their funds until a specified date. Savings accounts normally let people access funds whenever they need to, as long as they don’t drop below a threshold outlined in your account agreement.
Are CDs Safe?
CDs are one of the safer, lower-risk investment options for several reasons. If you’re wondering whether CDs are FDIC insured, don’t worry—the Federal Deposit Insurance Corporation (FDIC) will offer up to $250,000 against losses. CDs are also exclusively offered by financial institutions that must abide by government regulations.
Stocks are a higher-risk investment option than CDs with potentially higher returns. However, stocks don’t normally have government backing, and businesses can use their investors’ funds on ventures that may result in a substantial loss of capital.
Where Can I Get a CD?
You can find CDs at traditional brick-and-mortar banks as well as online. Capital One made headlines in February 2023 for becoming the first major financial institution to offer a CD with an APY of 5%. Capital One CD rates are competitive, but other institutions might have more attractive short-term CDs. A financial advisor can leverage their experience to help you find the best CDs for your circumstances.
Find High-Yield CD Rates With Credit.com
CDs can be potent investment vehicles once you learn how to make them work for you. Credit.com has resources to learn more about CDs, bonds, and other investment options. Learn more about personal finance at Credit.com today.
Some breakups happen for the pettiest reasons. While some might be partially reasonable but a little out-there, others are just straight up crazy and impossible—well, lots can happen when you’re in a relationship.
Here are some of the 17 pettiest reasons people in relationships break up!
1. Cheating in a Dream
One person said, “Your SO had a nightmare you cheated on them, and because of the dream, they break up with you.”
Somebody else replied with a similar story about their friendship, “Not related to a boyfriend, but my best friend at the time had a dream I killed her. She called me to tell me she’s not comfortable seeing me until she’s ready.
“I was going through a hard day, and after she called me and our conversation ended, I broke down crying. Like, what the f- life? That was so random and stung so much, I felt like a criminal. We got back to our friendship in a couple of days, but it ended officially 5 years later.”
Then the third added, “Oh, I remember my parents having a huge fight because of this. My mom was REALLY upset at my dad for like 2 days before he finally just blew up about it. This was ages ago. They have been married more or less happily for 42 years, and this kind of stuff still happens. Perpetually 19 is what I sometimes say.”
2. Sports Rivalries
“Sports rivalries. That’s definitely happened, which is hilarious,” said one.
“I put sports rivalries on the hot crazy scale. You gotta be crazy to be a fan of the Jets,” replied another.
“It happened to me. She was a Raiders fan, I was a Broncos fan. She dumped me in preseason,” added the third.
3. She Didn’t Want Dessert but Ate Half of My Pie
One user stated, “She said she didn’t want dessert but then ate half my slice of pie.”
Another one replied, “Oh, I hate when a partner does that. Grew up with three siblings. Mine is mine. Order your own.”
Then the third added in agreement, “This is a legit reason to break up. I do this all the time. I would prefer to cut ties right away if it is not acceptable!”
4. She Eats Her Peas One at a Time
Somebody shared, “She eats her peas one at a time.”
Somebody else added, “Read this to my husband. He said, ‘That is NOT a stupid reason. That would be f- annoying as s-.’ Lmao.”
5. Her Ex Didn’t Like Me
“I had a girl leave me after a week because her ex boyfriend didn’t like me. I gladly went home after hearing that,” shared somebody.
“I had a date cancel because of this. He showed my picture to his ex girlfriend and she said I was too blonde(?) for him. Whatever that means. Maybe she thought I would be dumb? We both dodged bullets,” replied another with a similar experience.
6. Not Replying Fast Enough
Somebody said, “Not replying to a text message quickly enough.”
The second person replied, “The iPhone f- people’s minds up when they let them see that ‘read’ under your message though. ‘He read it like 3 minutes ago, what is he doing that he can’t message me back OMG is he with someone else?’”
“Yeah, read receipts stole something from us as a society,” agreed the third.
7. I Didn’t Give Him My Cheese Puffs
“In fourth grade my bf Justin was demanding I share my cheese puffs. I jokingly said no. He got serious and said do it or I’ll break up with you. I made sure I only ate half and threw the other half away out of pure spite,” shared one user.
“Power move!” replied the second person.
“I hope to god any future kids I have have that f- attitude when dating. That’s a boss f- move right there,” added another.
8. I Wore Too Many Hats
“My ex wife in her divorce paperwork cited one of the reasons as ‘…he also wore too many hats.’ Like literally, I like to wear hats and she hated that,” stated somebody.
“But are you wearing one hat at a time or are you wearing a lot of hats at once?” asked somebody.
“I mean, to be fair, I own about 400 hats (mostly baseball caps) but wearing more than one at a time? I’m not that crazy,” replied the original commenter.
9. Didn’t Match a Racial Stereotype
One person shared, “Guy once broke up with me because I am not enough of a racial stereotype.”
The second person replied, “This s- [is] real!”
Then the original commenter replied, “Apparently, I did not fit his perception of a white European.”
10. He Was Obsessed With Julia Roberts
“One time I broke up with someone because they were obsessed with Julia Roberts and I just thought she was meh, every time we hung out, it was Julia Roberts this, Julia Roberts that. Sheeeeeeeesh,” shared one.
“Same with my ex but with Pamela Anderson. And he says that he’s a big Pamela Anderson fan but he couldn’t name another movie she was in besides Baywatch which makes me wonder if he’s only into her because of her big jiggly [chest],” replied the second person.
11. He Took the Wrong Turn and Argued About It
Somebody stated, “I seriously considered calling off my wedding because he took the wrong exit off the highway. When I got irritated and pointed it out (we were in a rush), he got angry with me and claimed that a city street with stop signs every block was faster than the literal f- highway going the same route.
“But it was just a symptom of the greater problem—he absolutely had to be the smartest person in the room, even if he had to lie or gaslight in order to make it happen.
“So yes, even though it would be ridiculous to call off a wedding the day before over a navigation mishap, I would have been better off (ignoring my gut cost me thousands in divorce fees, stolen cash, and therapy bills).”
“Preach girl,” said another.
12. Her Pinky Toenail Is Too Weird
“When I was dating in the nineties an acquaintance of mine broke up with a girl because ‘her pinky toenail is weird,’” shared somebody.
“My husband is weirded out with my toe nails, especially my pinky toenail. I have basically no toenails and my fingernails are very small. I get it though, it is weird to look at a person’s feet and just see dots of nails haha,” added another.
13. I’m Not Korean
One person said, “My first boyfriend, I had a crush on since 8th grade. He asked me out at the end of my junior year. We dated a year before he told me he couldn’t date me because I’m not Korean.”
The second person replied, “That ended a relationship of mine but the other way. His family was [very biased] against anyone not Korean. They never accepted me, so I backed out.”
Finally, the third added another relatively similar story, “When I lived in Vegas, My gf had an Ethiopian gf. She would only date other Ethiopian men. She was stunning, worked as a high roller dealer in Vegas and African American NBA players would ask her out and she just completely shoot them down.”
14. Because of My Horoscope Sign
“A girl I had a genuine connection with one time ghosted me because of my horoscope sign. And let me tell you, that s- hurt!!! It didn’t help that this was the first girl I ever had a genuine connection with. I was in a dark place in my life and she would check on me to make sure I was ok.
“Then one day, she reveals that she’s always had feelings for me. She completely erased every negative emotion in my body until the day she ghosted me. Then I was in a deeper hole than where I was before.
“This was years ago and while I’m completely over it, I have never met another woman who I’ve felt as strong as connection as I did with her. But I’m glad I went through what I did because it helped me develop a sense of self worth and confidence,” shared somebody.
15. She Didn’t Like Monty Python and the Holy Grail
“She didn’t find Monty Python and the Holy Grail humorous at all,” one user stated
“Valid. Hope your heart only got a scratch when she coconutted away. Although, you could say you broke up because her mother was a hamster, and her father smelt of elderberries,” replied another.
16. Because I Don’t Like Marvel Movies
Somebody said, “I had a girl breakup with me because I didn’t like Marvel movies. I watched a few with her just because I liked spending time with her. I think she noticed that I was kind of not keeping up well when she was nerding out over some stuff and then asked me straight up if I’m even into all of it. I told her it really isn’t something I’m into, but I love that she is and I just like spending time with her.
“That was not enough for her. She felt sort of betrayed like I was pretending to like something just to placate her. Maybe she was right, but I didn’t really have any bad intentions other than I liked seeing her happy.
“She insisted we watch a movie that I like. So I put on one of my favorite indy comedies (The Puffy Chair) and she hated it. It’s a very typical type of movie that I like. We didn’t even get through it. She kept complaining about how boring it was. The next night, she broke up with me over text. Maybe I should have started with Lost in Translation?”
17. My Hair Is Longer Than Theirs
“I had a few women break up with me or ghost me because my hair was longer and more well maintained than theirs. Said it was really feminine but wasn’t complaining when they were pulling it while I went down on them haha,” said one user.
“I’m a dude with long hair and it legitimately [makes women angry] that my hair always looks perfect right out of bed,” added another.
How did you find our list? Do you have similar experiences with your exes? Let us know in the comments!
And if you want more content like this, simply hit the thumbs-up button and share it with your friends and family.
Source: Reddit
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We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!
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Most of us have experienced getting fired from our jobs at some point in our lives. Some were for petty and weird reasons, others were valid—whichever it is, here are the 18 reasons people get fired!
Caution! Some were so crazy and hilarious that you won’t believe they really happened.
1. Exchanging Alcohol for Shrimp
One person shared, “I gave the fry guy an alcoholic beverage from the bar in a kids cup. He used to hook me up with coconut shrimp and fiesta rolls. They fired both of us lol. I wonder how Jamaar is doing nowadays.”
The second person replied, “I drank alcohol from a kid’s cup and got fired. I just wanted to try Angry Orchard. It wasn’t even good. I made the mistake of leaving the cup amongst other employee cups and a manager found it. I don’t even like drinking and it was just extra. But I am glad I am not the only person let go for drinking alcohol from a kid’s cup out there! Lol.”
2. Manager Scheduled Me During Class
Somebody commented, “My manager kept losing my class schedule. Worked at a subway. I had class two days a week. Several times he put me on those days anyway. I gave him multiple copies every time. Owner took me off the schedule for ‘Calling out too much’. When I showed the owner proof he said it was too late and they already hired someone else. This was 12 years ago. I’m still mad.”
Another Redditor replied, “I always hated the ‘taken off the schedule’ bull. Just fire me officially instead of taking the cowards route. This happened to me as well when I did not tell the general manager about a floor manager switching a product display TV to football one day. To be clear, she asked me, ‘Why did you not tell me?’ So she already knew it happened and was mad that I did not say anything. So I got ‘taken off the schedule’ because the other manager did something against policy and I did not narc.”
3. They Fired Me Before I Started
“A business I went to long ago was hiring, and I got the job. Right after I signed all the paperwork, the department manager comes in and asked who I am. I tell him I was just hired as a temp. Manager says he never authorized any hiring and fired both me and my boss on the spot. I did not work for this company at all, and they fired me,” said one.
The second person replied, “I had a similar experience. I was interviewing for a sales position and I made it all the way up the ladder through three different managers, to the advertising director. Had a great interview. He told me I would be the future of this industry shook my hand, led me to the HR manager’s office, clapped me on the back, and said to her, ‘We’re hiring him. Start the paperwork and I’ll see you Monday.’
“She was pregnant, tired, and annoyed. She looked at me with disgust and said, ‘We eliminated that position yesterday. We’re not hiring anyone.’ I asked if the director or managers knew that. She said they should. What followed was an embarrassing two weeks of promises that they would make a spot for me and weak apologies from the hiring managers. Ooof. Hired and fired within seconds.”
Finally, the third added, “They did you a favor. Working for a company that is broken and dysfunctional would be a nightmare.”
4. I Requested a Raise
One user commented, “I was denied a raise by HR after consistently working 60-70 hours weeks, and my VP (who had supported and requested the raise for me) told me to stop putting in the extra time, work my 40, and spend that extra time applying to new jobs. Within a month, a meeting was called to ‘mutually part ways’ because my work wasn’t getting done. I was gratified to learn that they had to hire two people to do my job after I left.”
Somebody else added, “Bet that felt good knowing they had to pay two people for what you did all by yourself. Glad you got outta there though!”
5. Fired for Putting in My Two-Week Notice
Somebody shared, “I got fired once for putting in my 2-week notice. The only other time I’ve gotten fired was working for a trade company during the first week. I was a supervisor, and there was a second supervisor on site. I got a call that my wife had been rushed to the hospital, which was literally less than a mile away. I asked the other supervisor if I could go to attend to her, and he said, ‘Sure, no problem, I’ve got things here. Go.’
“I returned to the job site later to find the boss there, and he let me go on the spot for leaving the team ‘Without a supervisor’. He knew what had happened, and still fired me. I won’t lie, that one kind of [made me mad].”
Then somebody else added with a similar experience with their wife, “Happened to my wife. She was due her first commission check, but they fired her on the spot when she gave notice. Literally about 100 bucks too.”
6. Fired for Sitting Down
One user said, “For doing my job too quickly and sitting down the rest of the time. Gas station cashier 3rd shift.
“Me: ‘Why should I stand when I’m the only person in the store?’
“Manager: ‘It’s more professional to stand than sit.’
“Me: ‘Then why do you sit in your office?’”
Another one replied, “I never understood that. Not once have I walked into an establishment, seen an employee sitting, and gone, ‘Wow. He’s unprofessional.’ I literally don’t give a f-, as long as you do your job.”
“Especially gas stations. If anything, they’re the kind of jobs I would expect to see someone sitting,” added another.
7. “I’m Only Here Until Something Better Comes Along…”
Somebody shared their hilarious job-related experience during the interview, “This isn’t why I got fired, but this is why I didn’t get a job. I was 16 and looking to work at a Dairy Queen as my first job. My mom drove me to the interview and I was super nervous.
“She looked me in the eye and said, ‘Just be honest and be yourself, and you’ll do fine.’ I walked into that interview, and when he asked me, ‘How long do you think you’ll work here?’ I responded, ‘Until something better comes along…’”
“OMG. My parents had to coach me on how to get a job when I started hunting. They were wondering why none of the jobs I had applied to had called me back so they started asking questions about the application process. Turns out you shouldn’t be honest on those personality assessments, at least not to the extent I was. They basically told me to answer as if I were another person,” added the second person with a similar experience.
Then somebody else added, “Amazing! Around the same age I was asked, ‘How would your friends describe you?’ and honestly answered. ‘They say I’m the crazy one.’ Weirdly did not get that job.”
8. They Handed Me a Check and Walked Me Outside
“I talked my way into a job at a software company when they put a hiring notice in a local paper. I had no idea what the software did. I still don’t. They hired me as a trainer and no one ever explained what the product was. I did a few weeks where I was trained on the software but literally none of it ever made sense to me. It was like they were speaking gibberish.
“One day I showed up, a lady I had never seen before gave me a check, and walked me out to the parking lot. No one even ever said ‘you’re fired’ or anything. It’s one of the strangest things that ever happened to me,” shared somebody.
“That reminds me of a time that I got escorted out early from a group interview. The company was a little suspicious altogether, and the interviewer was even more sus because he was just wearing all black (polo and jeans) and was absolutely decked out in gold jewelry. Looked like he stepped out of a mob movie or something,” the second person replied.
9. Because My Wife Was Ill
One user said, “I missed a lot of work because my wife got brain cancer. They called me in for a meeting and said, ‘Sorry, we are downsizing and letting a lot of people go’. They didn’t fire anyone else, including a co-worker who was caught fabricating reports.”
Then another one added with a question: “They didn’t announce the layoffs over the intercom in alphabetical order, did they?”
10. Job Abandonment; But I Was at the ER
Somebody stated, “I went to the emergency room instead of work. Came back with an ER note and they said, ‘We won’t be needing that. Can you come with us?’ I was 18 and it was my first full-time job.”
“I had pneumonia and a doctor’s note. Came back to work a week later wheezing and puffing an inhaler. Got fired the next week. Jokes on them. I still got unemployment benefits when they tried to fight it. Doctor’s notes are good things,” added another person.
Finally, the third added, “I went to a funeral and took the three paid days off and called off a fourth because it was my grandmother and we were very close. They called it job abandonment.”
11. Working With a Felony
Somebody commented, “My parole officer wanted to make sure I actually had a job, so he went to my employer listed on my file to surprise visit me on the job. I did home wiring so I worked at different job sites and rarely in the office. He called me to say he was going to charge me with a violation for lying to him about my whereabouts (this could’ve landed me back in prison for my remaining 10.5 years sentence).
“The owner of the company had to speak with him and vouch for me. My parole office didn’t charge me, but the owner sure did fire me that day. Finding a job with a felony isn’t an easy thing, and it wasn’t long before my PO threatened to charge me with a violation if I didn’t find a job soon.”
The second person replied, “What a f- clown process. I’m sorry you went through that.”
12. Let Go to Hire the Manager’s Girlfriend
Somebody said, “I was a kid and just started at a local pizza place. I was let go couple weeks later because a pizza chef from Chicago had moved into the area and needed a job so it was a business decision that I totally understood. Week later, went to go get my last check and asked how he was doing, the girl up front was like, ‘pizza chef from Chicago? The only new hire was the manager’s new gf.’”
Somebody else replied, “I got let go in favor of hiring the manager’s gf once too. Very irritating.”
13. Fired for Being 10 Minutes Early Instead of 20
“I refused to come in 15-20 mins early unpaid for my shift. I was always 5-10 min early but they decided they wanted me there earlier. I carried on as normal as I’m not coming in if I’m not being paid. Turned up for a 12pm shift at 11:49, no one would look at me when I arrived, then was thrown in a meeting and fired for being ‘late’. Was out the door before it even hit 12. It was the only time I’ve ever been fired,” shared somebody.
14. Building a Snow Sculpture
“I built a snow scorpion sculpture (I used ketchup for the red glowing eyes and everything) on a particularly miserable day at a ski resort. The guests enjoyed my sculpture very much, management weren’t so happy,” said one.
“Sounds like crap management. Sad. I’m glad to hear you made the guests happy, though,” the second person added.
15. For Sneezing
One person stated, “They sent me home because I sneezed and I was forced to get tested for Covid. Then, when I tested negative, I was terminated for ‘Abusing pandemic policies to stay home.’”
“That has to be illegal in some form,” replied somebody.
16. The CNA Lied About What Happened
“I asked the CNA I was working with to stay with a confused patient, while I went and put a new IV in another patient. The CNA left the patient alone. She fell out of bed and got a big bloody skin tear on her arm. After I took care of that, I went and found the CNA and told her the patient was injured because of her insubordination. The CNA cussed at me, and left the unit. I did not see her again that shift. She and another CNA decided on their own to trade assignments.
“I wrote the CNA up. The CNA went to mgmt and lied about me. She said I called her by a racial slur and yelled at her. I did neither. Mgmt fired me rather than deal with a false claim of racism. I collected unemployment.
“The CNA did something similar with another nurse a couple of weeks later, and was fired. My mgr asked if I could be rehired. HR said no. When my mgr quit to start her own nursing agency a year later, she hired me,” one person stated.
“You can’t pay me enough to go back to work in a nursing home. I have so many stories of problems between nurses and CNA’s getting each other in trouble and the residents caught in the middle,” replied another.
17. They Lowered My Pay So I Slept During My Shift
“They lowered my pay, so I started sleeping at work and did only half the task they wanted me to do. Took them 3 years to fire me,” shared one Redditor.
“I’m amazed at how long it can take sometimes to fire a person. I had a boss who got shoulder surgery and was wildly add*cted to pain meds. Dude would show up to work high as a kite and started at the ceiling for hours. He got away with it for about 2 years before anyone said anything,” the second person replied.
18. I Gave My Employee Meal to My Mother
Somebody commented, “I gave my employee meal to my mother. That’s literally it. I didn’t like eating the food there, so I had my mom bring me lunch, and I just gave my employee meal to her. Apparently, that was considered theft, so I was fired.”
Wow, some of the reasons above for getting fired were just crazy! Did you experience the same? Let us know in the comments!
And if you want more of this content, simply hit the thumbs-up button and share it with your friends and family.
Source: Reddit
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Have you ever noticed that certain people take up a new hobby, and suddenly that’s all they’ll talk about? It’s not that their personalities are actually changing, but they’re certainly adapting to the situation at hand, and maybe getting a little hyper-focused or narrow-minded about it. We’ve asked our friends on Reddit to chime in on the most common hobbies or life-changes that people adopt, and then won’t shut up about.
1. Being a Military Wife
One user shared, “Wives of military men.”
Another user added, “You know they post about how brave their ‘hubby’ is daily.”
One commenter replied, “I hate the word ‘hubby’.”
Another Redditor commented, “Can confirm. Have a cousin like this. The husband is nowhere near seeing any kind of combat. She was stationed overseas in Germany for a couple of years, and she would never leave base to do anything but loved to complain about how bored she was. [She] had zero interest in taking in anything related to German culture, food, sightseeing, etc. She was also pregnant at one point. They were stationed there and insisted US hospitals were superior to German ones. She Said she was scared to have the baby in a German hospital because the US ones were better. You would’ve thought she was in a third-world country the way she went on about Germany and how scared she was to be there. Apparently, her friends on base were also all just like this.”
2. Obsessing Over Great Britain
“My Texas high school had a British club. I’m actually a British citizen, so I tried to join. Those people were nuts. They made Doctor Who and Sherlock their whole personalities,” one user posted.
Another user commented, “This is just the BBC version of the anime club.”
One commenter replied, “On Tumblr, they were called Teaboos sometimes.”
Another Redditor posted, “When I watched the BBC version of Sherlock for the first time as a teenager, I realized with horror that my brother had based his entire personality on it. He had the same coat, the same condescending and sardonic manner, everything. The only thing he couldn’t get right was the actual genius part, so he’d mutter very intensely about subjects not deserving of that intensity and confuse everyone. He’s actually still quite difficult to have a conversation with because he has no idea how to learn things from other people—it always has to be him explaining things to you and not the other way around. Otherwise, he’ll just walk away.”
3. Being in a Relationship
One Redditor shared, “Relationships. I have friends who legit have no clue who they are without a man by their side. Their self-worth is measured strictly by the ‘quality’ of the guy willing to stand beside them.”
One user replied, “This is painfully accurate. My sister graduated med school, but my mom didn’t tell her she was proud until she brought home a bf.”
One added, “My mom was the same. It didn’t matter what I did. She only ‘stopped worrying’ when I got engaged (to a complete bad person who I would never have looked twice at if he hadn’t swooped in during a very low point, including my mother’s terminal illness). God, I’d love to go back in time for a do-over on all of that.”
4. Refusing to Change
“Being a bad person. You meet a lot of people who are like, ‘Sorry, I’m an a-. It’s just who I am’,” one user posted.
Another added, “‘I tell it like it is.’ No, you’re just tactless and have no awareness.”
However, one user replied, “As someone who was like this who did a lot of self-reflection about why I was popular and when you’re popular, people laugh at you for being a bad person sometimes, and it feels good, if enough people validate it growing up without any social consequences, you learn to think it’s fine. At most, someone will go, ‘Haha, omg, you’re such an a-‘ and roll their eyes. Eventually, you get away from the group of people who accepted your a–h-lery and made you believe it was funny and go out in the world. Being a grown a- isn’t cute, so you either lean in and think everyone is just getting too sensitive, or you realize that you have to do more than just be a bad person to get people to laugh and like you.”
5. Watching Anime
One online user shared, “Anime. I like it, but many people take it to a new level.”
Another user commented, “I knew a woman like that. She lives in cosplay, and her kids are named after anime characters. Edit: Forgot to add that she says ‘Hello, minna-san!’ all the time.”
One Redditor added, “Yeah, tbh. I’m a mega-fan, but there’s a fine line where sharing what you love drifts into projecting it everywhere. The opposite is true where your passion is censored because it’s not ‘in vogue’ or breaks normalcy, so it’s a very fine line. Don’t name your kids ‘Gendo Ikari’.”
6. Smoking
“Smoking weed,” one user shared.
Another confirmed, “Hear hear. I smoke quite a lot myself, but I absolutely can’t stand stereotypical potheads.”
One commenter added, “Same. I’m the biggest stoner I know and people are always shocked to find out even after knowing me for months.”
Another user replied, “Most of my friends smoke. I’m down to one oddball that still wants to talk about terpenes, and how well this batch was cured or not, and the subtle hints of flavor that always make him assume the strain is something different than advertised. At least that only lasts 20 mins, and then we can talk about all the movies/music/shows that were so much better in our day (we’re 40).”
7. Loving Astrology
One user posted, “Zodiac signs.”
Another replied, “‘I’m a Virgo.’ ‘No, Kelly, you are just a [terrible person]’.”
8. Acting
“Theater,” one user posted.
Another user replied, “As somebody who does his theatre, I can confirm it’s frustrating and annoying.”
9. Being a Writer
One user shared, “Being a writer—even if they barely ever write.”
Another user replied, “‘I’m working on some plot holes, okay? So what if I haven’t touched my book in, like, three weeks?’… shut up…”
“I mean, three weeks can just be a healthy break from an activity!” one Redditor added.
One commenter added, “‘Oh, I know it hurts now, but look at the bright side: You have some new material for that novel you’ve been writing. You know…the novel you’ve been workin’ on? You know the one, uh, you’ve been workin’ on for three years? You know, the novel. You got somethin’ new to write about now. You know? Maybe a main character gets into a relationship and suffers a little heartbreak? Somethin’ like what… what you’ve just been through? Draw from the real-life experience? Little, little heartbreak? You know? Work it into the story? Make the characters a little more three-dimensional. Little, uh, richer experience for the reader? Do those two hundred pages really keep the reader guessing what will happen? Some twists and turns? A little epilogue? Everybody learns that the hero’s journey isn’t always a happy one. Oh, I look forward to reading it.’—Stewie Griffin.”
10. Using Propane
One user commented, “Propane and propane accessories.”
A user added, “I tell you what.”
11. Doing Crossfit
“CrossFit,” one user shared.
Another added, “The first rule of CrossFit is, you must always talk about CrossFit…”
One commenter replied, “I know a couple that loves CrossFit. They’ve never done it personally, but they are physical therapists, and the injuries from people emphasizing rep numbers over form has been great for their bottom line.”
12. Being a Hipster
“You’ll never meet a group of more infuriating w-nkers than when you meet the people who are really into the local indie music scene…” one user posted.
Another user replied, “Amen. However, as a reformed local indie rocker, I can confidently say that the worst offenders in this category were rarely the musicians themselves. I, for one, always forgot everyone’s names and proudly told them it was because I was just terrible at being a hipster…….. OH S- F-. IM RELAPSING. HELP!”
13. Loving the Office
One user commented, “The Office!”
Another Redditor added, “Also friends.”
One commenter replied, “Which friend character are you? Which friend’s character are you? Which friend’s character are you?”
14. Owning a Tesla
“Owning a Tesla,” one user shared.
Another added, “The only thing worse than a Tesla owner is a Jeep owner.”
One Redditor said, “Some Jeep owners, yeah. I’m on my fourth one. And I have loved them all. They’ve all been stock Cherokees except my current one. An 06 GRAND Cherokee. Oh yeah, baby. It’s got a headphone jack in the dash so I can plug my phone in, f—ing plush up in that b–ch. Got four cup holders, too. And keep your underwear on. It’s got a coolant leak as well.”
15. Declaring Your Sexuality
One user commented, “I’m sure I’m gonna get a lot of hate but sexuality. Being straight or being gay is not a personality trait. It’s just one aspect of who you are.”
Another replied, “Imma upvote you now before the haters show up.”
One user added, “I hard agree, but I also try to understand that some people have been denied what they are for so long that when given the chance, they’ll go all out. Like, I’m gay and dating a trans dude. But I’ve never felt persecuted for my sexuality. He has. I’d never tell him to stop waving his flags because I know he’s been in a place where he wasn’t allowed to. *Oh. They got gold for this take. Well, that’s… Worrying”
16. Being Sarcastic
One Redditor posted, “Sarcasm.”
Another added, “I hate this. People think ‘sarcasm’ makes them come off as interesting and intelligent, but a lot of it is just low-hanging fruit jabs or just being d–chy.”
17. Loving Disney
One user commented, “Disney.”
Another added, “I’m a physician. I had a senior while doing a year of general surgery training. My senior wanted to do trauma surgery. He was petty, mean, brilliantly smart, and a complete a-h- to anybody as or less intelligent:
“The precise moment that he would show a half second of relaxation: DISNEY TO THE TENTH EXPONENT. Writing notes: Disney theme park background music. Packed Lunch: Disney-themed pasta/sandwich combos. Going out for social hour: Disney watch/scarf.
“I always wondered how this dude could look at me so vehemently and still have such a cotton Candy, whimsical core. Great doctor and surgeon, though.”
One commenter replied, “Disney adults are strange people, man. My wife is a physician, and her other physician friend is getting married this spring. She’s a bit younger than us (4-5 years) and has had the luxury of making a physician’s salary while having very little in the way of actual life expenses due to having parents who continue to pay her bills for her.
“Anyway, she tells my wife and their friend group that she’s engaged and the wedding will be in Iceland. We’re pumped because we’ve always wanted to go to Iceland, and we’re fortunate enough to be able to afford to go to the wedding if we save up. It’s a year from now, so we have time to save up and also make it like a mini vacation. So a few weeks later, she texts her friend group that Iceland is off, and they’re getting married at Disney World.
“I’ll be honest: that was a head-scratcher for my wife because none of her friends knew she was that into Disney. We think it will be at one of the resort hotels around Disney World, with some pretty cool/nice hotels. Oh no, no, no. They are getting married in front of the castle in Magic Kingdom—and here’s the best part—it can’t be during park hours, so they were given the option of it happening at 8 am or 10 pm. They chose 8 am. Might I mention they are also paying $60,000 just for the ceremony?
“I get that having a destination wedding in another country is cost-prohibitive if you want a lot of friends and family there. Iceland would have been very cool, and, for admittedly selfish reasons, we were a little bummed about it not being there. But it’s understandable.
“However, with every new detail my wife gets from the bride-to-be, it seems like it will be a pretty terrible experience. Having to pay for an overpriced hotel and getting up at the crack of dawn to get dressed up and stand in the swampy humidity of Florida so two grown adults can be married by Mickey Mouse sounds like it’s going to be a total bad show. So yeah, Disney adults are strange.”
18. Breaking Up
One user posted, “One bad breakup…”
Another user replied, “This is true. I had a friend who would not care about a girl she dated back before COVID (f—ing 2020) who did some a- [things] to her up until a few months ago. At least now she’s dating again, so we constantly hear about her new partner most of the time…”
19. Working
“Their occupation,” one user shared.
Another user replied, “‘I’m a nurse. What’s your superpower…’ merch. yuck. Sincerely, a nurse.”
One Redditor said, “This was my first thought. I hate those ridiculous things! I work with a nurse with multiple nursing-related tattoos, coffee cups, handbags, and a license plate frame. So cringe.”
20. Owning Guns
One Redditor shared, “Guns.”
Another user replied, “As a gun owner, I can’t tell you how cringeworthy this is. I own firearms myself, but it is just a hobby, and that’s it. Most of the other time, I read books, work, be a dad, or play Diablo 4. I barely bring it up unless I am around others who happen to bring it up or discuss their experiences shooting firearms or what firearms they’re going to purchase. The minute I see gun owners rocking punisher skull s- or other tacticool stuff, I play dumb and just act as if I’ve never held a gun. Those people are annoying.”
Do you agree with the things listed above? Share your thoughts below.
Source: Reddit.
10 Crazy Good Movies Where Women Are the Bad Guys
Are you looking for a movie night with a twist? Look no further than these Reddit-voted top ten films where women take on the destructive bad guy role.
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The movies we love best are a combination of excellent characters, plots, stories and cinematography. But if these factors can make great movies, they can also make terrible movies—the ones that make people cringe, the ones we swear they’ll never watch again.
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Cinema has long been a source of heated debate, especially regarding films that tried too hard to be serious and ended up just seeming pretentious. With the arrival of streaming platforms, more accessible movie-making tools and an increased ability for filmmakers to challenge the norm, recent years have seen a wave of new daring cinema—acclaimed as genius by some yet widely disliked by others.
Nowhere is this disparity in opinion more apparent than with these 20 pretentious movies. So what do you think? Are there times when lines should not be crossed regarding artistic expression, or are pushing boundaries necessary? Below are the top 20 pretentious movies shared across online:
1. Extremely Loud and Incredibly Close
One user posted, “Extremely Loud and Incredibly Close. A The Holocaust and 9/11 mash-up with an autistic kid as the main character? Pure pretentious as s- Oscar bait.
“I had to read the book in high school, and the best thing I could say about it was that it provided easy pickings for annotation assignments.”
Another user added a story behind the film, “Daily reminder that the author of the book awkwardly flirted with Natalie Portman via email, thought she was as into him as he was into her, and left his wife of 10 years for her, only to be met with bemused puzzlement from Natalie.”
One user replied, “Jesus, those emails were painful to read from both of them. I can’t believe people write like that in their personal emails. He did end up dating Michelle Williams for years after his divorce, so I guess he’s got some game.”
2. Eat Pray Love
One user added, “Eat Pray Love(2010), a pretentious film based on an equally pretentious true story.”
One user replied, “So true, lol. Like I would love to just take off for a year, but unfortunately, I have to work.”
3. Crash
“Crash (2004)—simultaneously the most pretentious movie I’ve ever seen and the stupidest,” one user added.
Another user shared, “I remember seeing it when it came out and found it fairly forgettable. Then it kinda gained this reputation as ‘didn’t deserve the Oscar,’ so I watched it again recently. It tries so hard to be topical (and perhaps it was in a way), but it’s soooo over the top yet surface level at the same time with its message. There are some good performances in the movie, but that can’t save the script.”
4. The Room
One Redditor posted, “I think considering Tommy Wiseau’s intention to make a serious drama, The Room is pretentious. I know he refuted the claim that The Room was supposed to be serious. But sorry, I have severe doubts.”
One user shared, “There’s no way in h*ll that The Room was anything other than a sincere effort by Tommy to make a legitimate dark drama. Making the movie as it is, with the intention of being received as it has been, would make Tommy a comedic genius in three separate areas: writing, acting, and directing. I don’t think he is. Just like some great movies are lightning in a bottle, The Room is lightning in a bottle in the opposite direction.”
5. You People
One online user posted, “You People with Jonah Hill and Eddie Murphy. The film goes out of its way to make Jonah Hill a ‘Bumbling Clueless Overly-Cautious Woke White Guy’ and Eddie Murphy a ‘Put Everyone On The Spot Overly Proud Black Man.’ NO self-respecting person (Jonah Hill’s character) would ever dig themselves into a racial awkwardness hole as often as he does. And no self-respecting person (Eddie Murphy’s character) would go out of their way to be so defensive and make Jonah Hill’s character so uncomfortable.
“If it were purely a comedy, it would have made sense to make them both so clueless, but since it was supposed to be a ‘woke’ rom-com, then they could have done well-meaning people more credit by making Jonah Hill more discerning and Eddie Murphy more gracious. Instead, both characters just reinforced stereotypes from beginning to end.”
Another user replied, “First rom-com I watched that was completely lacking both romance and comedy. To call it a movie at all is a compliment to You People and an insult to all other movies ever created.”
6. Seven Pounds
“Seven Pounds,” shared one user.
Another Redditor replied, “Or any Will Smith bazillion Oscar Bait movies.”
Another user commented, “Collateral Beauty takes the cake for me. Even the title is pretentious.”
7. Downsizing
One Redditor posted, “Downsizing. I’m surprised nobody’s mentioned this one. I sit down thinking I’m about to watch a lighthearted comedy starring Matt Damon about people who shrink themselves and get into some hijinks. Turns out. Instead, the movie’s message (pretty early in the film, too) is, ‘You can’t shrink the problems of the world, ST*PID!’ The rest of the movie was a guilt trip about lower-class poverty and environmental issues. It seriously felt like the filmmakers were scolding me. …”
One user responded, “I came here to say this. I went to the theatre to watch it because I was excited to see it. It’s a fun movie with Matt Damon and Kristin Wiig getting shrunk down like a grown-up Honey I Shrunk the Kids.
“She was barely in it, super preachy, meandering, boring, and nothing like what was advertised. Oh, and the ending was stupid, too. I shouldn’t have bothered waiting for it, but they already had $40 or so of my money. At least the snacks were ok. Probably the best part of the movie. They realized what a mess it was and pulled a bait-and-switch with the trailers as a last-ditch effort to save it. I’m still mad if you can’t tell, lol.”
8. Now You See Me
“Now You See Me … I don’t understand how people can be impressed with ‘magic tricks’ that are only possible with special effects. B-, please! I can make f- Godzilla coming out of my pocket if I can use CGI. That s- is not impressive.
“On a side note, what a waste of opportunity when they didn’t call the second movie “Now you don’t,” stated one user.
Another user added, “Also, there were zero clues for the twist. It’s just a ‘surprise this random thing happened. Now be in awe.’”
9. Tenet
One online user shared, “Given the following definition of pretentious: ‘Trying to appear or sound more important or clever than you are’
“I’ll go for Tenet. When people think of pretentious films, they tend to list arty films. But pretension just means having an unearned sense of self-regard, and Tenet has that. It’s a film that is desperate for you to think it’s clever and profound but is ultimately hollow and not half as clever as it thinks it is.
“Edit: I just remembered the main character is literally called ‘Protagonist.’ Proper pretentious first-year film student stuff.”
One user answered, “I upvoted, even though I like Tenet because I can’t argue with your logic.”
10. Bang Bus “Episode 3”
One user posted, “Bang Bus ‘Episode 3′. The premise was already in. There was nothing new about it.”
Another replied, “Is that the one where they pick up a young woman and interview her in a s- van? I’ve only seen the first 10 minutes. I can’t believe there are sequels.”
11. My Dinner With Andre
“I love the movie, but ‘My Dinner With Andre’ is pretty pretentious and self-satirizing at the same time,” one Redditor stated.
Another user replied, “If you were out to dinner and the people at the table next to you were having that conversation, your eyes would roll right out of your head and fall on your plate.”
12. Most Woody Allen Movies
One Redditor shared, “Oof, I’m gonna get hate for this, but I feel like most Woody Allen movies are pretentious …”
Another user also posted, “When I think of pretentious movies, I think of Woody Allen b- s-. Movies about making movies about New York and how cool you have to be to be famous. F- off.”
13. Garden State
“A little obvious, but Garden State. It has all the hallmarks and takes itself way too seriously.
“That being said, it’s made with a lot of heart and ambition, and I do enjoy it, but it’s just the first thing that comes to mind—from the all-white bedroom to the shirt made out of wallpaper print to literally screaming into a void.
“Well-intentioned, entertaining, endearing but ultimately a pretentious cringe fest—sorry Zach!” posted one user.
14. Birdman
One online user posted, “I thought Birdman was pretentious on my first viewing. That being said, I was, like, 19 when I saw it, and I’m 28 now. I may need to watch it again because being pretentious kinda felt like the point of the movie.”
Another user replied, “My favourite part about Birdman was seeing Edward Norton playing himself.”
15. Rubber
“Rubber … I thought it’d be about a sentient tire blowing people up. But it kept cutting to a surrogate audience standing in a field watching the events and doing meta-commentary on film. Also, Lady in the Water … He was writing a movie critic character just to make them an ah you can kill off. Then, making the struggling writer the saviour of the world through his excellent writing and then casting YOURSELF for the role? Lol,” one user posted.
16. Wes Anderson’s Newer Films
One user posted, “Wes Anderson’s newer films are the definition. Bring back Owen to rein him in.”
Another user commented, “I came into this thread specifically to see how soon Asteroid City would come up.”
“Wes Anderson is so confident in his style at this point in his career, that someone calling his latest effort pretentiousness would just read as, ‘Oh good, you saw my film. Thank you, it was very pretentious,’” one user responded.
17. Mother!
“Mother!” shared by one Redditor.
Another user commented, “This is one movie I loved, but I can recommend it to no one.”
18. Cloud Atlas
One Redditor posted, “Cloud Atlas. That movie is the definition of smelling your gas in public. It’s just so g-d- stupid in an ‘I’m 14, and this is deep’” sort of way.”
19. Joker
“Joker. … That movie thinks it’s brighter than it is but fails to hold a consistent theme in a way that says effectively nothing. It doesn’t work as a character study either because the character is also inconsistent. It’s only really grounded by a legendary performance by Joaquin,” stated one user.
One user replied, “That’s because it’s directed by the man who did The Hangover movies, doing his best attempt at Scorsese.”
20. Tree of Life
One user shared “Tree of Life.”
One user commented, “(whispers) ‘What is life?’ (Random shot of a kid walking into the sunset.) (More whispering.) ‘What does it all mean?’ (Camera pans into a blank wall.) (Whispering so quietly that it’s barely audible) ‘What is all this?’ (Dinosaurs explode in the background).”
Another user commented, “I like the movie (it’s more a montage movie than a movie-movie), but this gave me a chuckle. It’s definitely not for everyone!”
What do you think of the movies listed above? Share your thoughts in the comments below!
Source: Reddit.
10 Crazy Good Movies Where Women Are the Bad Guys
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Almost all of us have wondered from time to time how the world will end. Among the popular films and apocalyptic sci-fi we’ve seen, there’s zombies, deadly pandemics, and war among nations. While they’re the worst, here are seven other ways this world can end terribly.
1. Slow Burn
One person said, “The one where we see things slowly coming and given plenty of opportunities to fix it, but idiots keep getting in the way.”
The second person replied, “So, the path we are currently on.”
Another commenter added, “Pretty sure we’ve only got 4 years left, until Elon musk accidentally creates a black hole, whilst trying to make ultra instinct shaggy a real thing, and it kills us.”
2. Like the Road
“I think that’s the only book in my adult life that I’ve read entirely in one sitting. Utterly gripping, and only took me about 4 hours to go through it. But yeah, I second your opinion here. The most eerie part of the book is that there’s never an explanation WHY the world is the way it is, but it somehow feels very tangible and believable,” somebody shared.
“I couldn’t put the book down either. Yes, it’s extremely believable that humanity would fall to that if societal structure would ever break down. A lot of good people out there, but I feel like there is even more who would put their own survival before any ethics or morals. That book scared me,” replied the original commenter.
3. A Kardashian Presidency
One Redditor commented jokingly, “A Kardashian presidency.”
The second person replied, “Pretty sure, that the worst timeline, would’ve been if Kanye became president.”
4. Diarrhea Pandemic
Somebody stated, “Incurable diarrhea pandemic. Like there is a lot of bad ways for the world to end, but I feel like humanity collectively messing ourselves to death would be up there. Plus it’s not even far-fetched, diarrhea can absolutely kill and viruses can cause it, dehydration from illness strikes fast and is horrible. So is all dehydration, but when it comes on rapidly, it’s very painful.”
5. Zombie Apocalypse
“Zombie apocalypse. That’s the true method to painfully breakdown civilization,” said one.
“Break their jaws and cage them. Build hamster style wheels attached to generators. Boom, renewable, green energy,” replied another in sarcasm.
6. Famine
“Famine. There was simply nothing to eat on earth for the entire world so people turned into to cannibals. Let’s see how long it would take for everyone to die,” one user hypothesized.
7. Like in Threads (1984)
One person shared, “Think my phone was listening in again, just watched a British film yesterday called Threads (1985). It was a realism-inspired nuclear holocaust, it wasn’t a positive film, was good to watch though. What I derived from it was this. If there is a nuclear war, stand directly under the first launched bomb’s target area!”
Which of the ways above do you think humanity has a bit of a chance of surviving? Let us know in the comments!
Source: Reddit.
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Are you looking for a movie night with a twist? Look no further than these Reddit-voted top ten films where women take on the destructive bad guy role.
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Keep in mind that this method might not be feasible for everyone to follow, especially in places like New York City, San Francisco, and Boston where rent is extremely high. For example, the average monthly rent in New York City is $5,600, meaning you would need an annual salary of at least $224,000 to follow the 30% rule.
If you live in a high-cost city and find this rule unrealistic for your scenario, you may want to consider following a different budgeting technique.
2. 50/30/20 Rule
The 50/30/20 rule is a technique that divides your after-tax income into three categories—50% toward needs, 30% toward wants and 20% toward savings. This method isn’t as straightforward since rent is a part of the broader “need” category.
Let’s walk through a step-by-step example to determine your rent budget according to the 50/30/20 rule:
Step 1: Determine 50% of your monthly income: If your monthly take-home pay is $6,000, then allot $3,000 per month toward needs.
Step 2: Add up your other expenses in the “needs” category: Other expenses in the “needs” category include minimum payments on loans, groceries, health care, car payments, and utilities. In this example, let’s say each month you spend $500 on groceries, $100 on health insurance, $150 on utilities, $20 on credit card bills, and $500 on a car payment, which totals $1,270.
Step 3: Subtract the other “needs” expenses from the total “needs” budget to determine your monthly rent: To determine your rent budget, you would subtract $1,270 from $3,000, which equals $1,730.
If, after using this template, you find that your rent budget is lower than you’d prefer, you can lower your other “needs” expenses to allot more money toward your rent budget. For example, you could get a more modest vehicle, shop at a more affordable grocery store, or take steps to lower your utility bill.
3. 70/20/10 Rule
Similarly to the 50/30/20 rule, the 70/20/10 rule divides your post-tax income into three different categories. With this technique, 70% goes to spending, 20% to saving and investing and 10% to debt repayment and donations. With this rule, rent is a part of the “monthly spending” category.
Here’s how to calculate your monthly rent budget according to the 70/20/10 rule:
Step 1: Determine 70% of your monthly income. If your take-home pay is $6,000, allocate $4,200 to the “spending” category.
Step 2: Add up your other monthly spending expenses: Let’s estimate that you have the same “needs” expenses as the example above, which total $1,270. Your monthly “wants” budget includes $250 on eating out, $200 on clothing shopping, $85 on a gym membership, $200 on entertainment, and $300 on travel. Your total monthly spending would equal $2,305.
Step 3: Subtract your monthly spending expenses from the 70% spending budget to determine your monthly rent budget: To determine your budget, you would subtract $2,305 from $4,200, which equals $1,895.
With this rule, you may have more wiggle room to increase your rent budget by cutting down spending on your wants. For example, you could reduce the frequency of eating out or spend less money on clothes to grow your rent budget.
Other Factors to Consider
Remember that there isn’t a one-size-fits-all approach to how much to spend on rent. When deciding between different rental options, consider how the following factors may add additional costs or offer savings opportunities:
Location: Consider the distance to places you frequent and how that might affect costs. For example, you might find that rent is $100 less further out of the city. However, if you drive to the city for work every day, gas money might eat at your cost savings. Not to mention the additional time it adds to your commute.
Amenities: Consider what amenities the apartment offers that could save you money on other parts of your budget. For example, an on-site gym could save you approximately $75 monthly on a separate gym membership.
Remote work: If you work from home, you might put your transportation cost savings toward your rent budget to allow additional space for a home office.
Utilities: Some landlords include utilities in the rent price, while others don’t. Since the average electric bill is $137, it’s important to take this factor into account.
Internet and cable: Consider whether your rent includes internet and cable. Some complexes may require you to purchase an internet and cable package.
How to Save Money on Rent
Due to rising rent costs across the U.S., staying within your rental budget can be a challenging task. Consider the following tips to save money on rent:
Get a roommate: As of February 2023, the average monthly rent for a one-bedroom apartment in the U.S. is $1,152, while the average rent for a two-bedroom apartment is $1,320, which means getting a roommate can save you $492 a month.
Sign your lease in the winter: Studies have shown that December through March are the cheapest months to sign a lease due to decreased demand during the winter season.
Negotiate with your landlord: If you’ve been a reliable tenant or have a strong rental application, you may be able to negotiate your rent. Keep in mind that you’ll likely have more luck negotiating with an independent landlord than a property management company.
Offer to pay upfront: If you have enough savings, offer to pay a few months to a year of rent up front in exchange for a discount.
Opt for a long-term lease: Many landlords prefer long-term tenants and will offer lower rates if you sign a longer lease.
Move to a cheaper area: Generally, rent is more expensive in cities compared to rural or suburban areas. However, If you want to live in an urban area, consider opting for a smaller, more affordable city like Tulsa, OK, rather than a large city like New York, NY.
Budgeting techniques like the 30% rule, the 50/30/20 rule, or the 70/20/10 rule can provide you with a guideline of how much of your income to spend on rent. Additionally, looking for ways to save on rent can help you reach your other financial goals.
Now that you’ve determined your rent budget, credit score is another factor to consider when apartment searching. Landlords and property managers will likely perform a credit check to help determine your ability to pay rent. Generally, your credit score should be in the “good” range (670 or above) to improve the odds of your applications getting approved. While you can get an apartment with bad credit, you might have to jump through additional hoops.
Unsure what your credit score is? Check your credit score for free today to make sure you’re ready to sign a lease.
For teenagers, life can often be full of confusing changes and unexpected choices. What may have seemed straightforward in childhood is now complex and challenging. Experiences such as developing relationships, contemplating the future, and deciding about education options or career paths are all part of the teenage experience. Even when we think we know what direction to take, our perspectives on these matters can shift quickly. Below are the top 20 truths for today’s young adults to give them some peace and assurance about all the decisions and change.
1. Take Your Time
One user said, “It’s okay to not resolve something immediately. If someone doesn’t answer your text/WhatsApp/Facebook message, if you need to take some time to think if you want to join in that fun event, if you hear that phone ring and you miss it, If you’re not answering to a social media post, things aren’t going to blow up. Real life requires you to do one thing at a time, well or great, and not a million things.”
Another user replied, “Except important stuff…like finances…pay your bills RIGHT AWAY.”
2. You Will Get Behind Sometimes
One user shared, “While school has a structure in place to prevent you from falling behind, real life doesn’t offer the same safety net.”
Another user replied, “I will also say that conversely some of the arbitrary deadlines in school don’t apply to the real world. In college, it was kind of teachers being overly lax or strict. In the real world, if something cannot get done, regardless of the time or resources you throw at it, then it won’t get done. Yeah, you may have upset a client, but most of the time, as long as you communicate these issues as soon as possible, clients understand. Of course, it doesn’t always play out that way, but the real world seems to recognize real issues better than school sometimes can.”
3. On Time Is Better Than Perfect
“It’s better to finish something on time, even if it isn’t perfect, than not to finish it at all,” one user posted.
Another replied, “This is so true. I find this with young grads coming through at work. Smart young people and many/most become good at their jobs… But there seems to be a need for perfection and an expectation they will get the time to achieve it.
“Maybe every generation is like that when young, but I notice it a lot these days. Maybe I’m just getting old. To the list, I would add… you will need to deal with uncertainty. Not everything will be clear and have an excellent tidy answer.”
4. Don’t Always Trust Social Media
One user shared, “Social media is harmful.”
Another user replied, “Yes, I’ve heard from friends about their teenage siblings falling for TikTok fake news almost as often as I hear baby boomers fall for Facebook fake news lol.”
5. 30 Is Not Old
One Redditor stated, “30 is not old.”
Another user replied, “This. Too many people in their 30s and 40s act like they’re already practically in their graves.”
6. Expect Your First Job to Be Hard
One user shared, “That your first job out of college is probably not going to be the cushy WFH jobs you see people have on TikTok. You’re probably going to have to grind for a bit.”
Another commenter added, “Also, you’re probably not going to make 500k doing computer science right after graduating.”
7. Get Advice From Experts
“Your friends are idiots. They have just as much education as you. Take expert advice on what you want to know,” one user posted.
Another user replied, “I’m an older teen who legit doesn’t understand how you could think otherwise from this. I’ve seen teens say that older folks wouldn’t know what we’re dealing with, but that’s the opposite of the truth. They’ve already lived it and more. They would be the perfect ones to know what’s going on and give us advice. Just because we might not like what they say doesn’t mean they’re wrong. That seems like the most logical conclusion to me.”
8. Influencers Aren’t All That Unique
One user shared, “When everyone thinks they’re an influencer, no one is an influencer.”
Another user commented, “I’m not in, nor do I pay attention to the numbers in social media posts. How many followers do you need actually to be an actual influencer? You can’t deny that people like Mr. Beast is an influencer out of the sheer amount of views he gets.”
9. You May Need to Compromise on Your Job
“Very few people get to ‘do what they love for a living.’ Most adults have to compromise between what they want from life and what they want to give up to get it,” one Redditor posted.
10. Adult Life Is Challenging
One commenter shared, “Unless your parents have money and are willing to support you, life is about to get a whole lot more difficult.”
Another user added, “The problem is not that you ‘can’t’ walk in and get a job. You can, but you should be aware of the fact that you can lose that job as fast as you call it since they do get tons of applications.
“I used to work at some restaurant that just handed out job applications to every teenager who came there. One of the servers was over 18, and she had been working there for a few years. And when she complained about something to the managers, they just told her that she could either stay and not complain or she could just leave.
“They had a lot of people who could replace her, but those managers should understand that this ton of people who could replace that loyal and great server will leave soon enough and won’t be as good as her. I’m pretty sure that everyone who started working there simultaneously didn’t last even a year. Most stayed for a few months, probably not even half a year.”
11. No One Cares About High School
“No one cares what you did in high school,” one user shared.
Another user commented, “Jokes on you, after two concussions in my early 20s, I can’t even remember what I did in high school!”
Another user replied, “PREACH!”
12. Take Responsibility for Your Mental Health
One Redditor posted, “That trauma, mental illness, gender identity, sexuality are not justifications for being a bad person. Your mental health may not be your fault, but it is your responsibility.”
Another user added, “Paying rent and buying groceries quickly humbles you. You’re not paying your bills because of your mental health? The landlord will not care.”
13. You Don’t Need Constant Relationships
“Teen love is a glorified myth from shows and movies. You don’t need to seek relationships constantly. Just live your life,” one user shared.
Another user replied, “Most of my friends laugh in my face when I say that I’m not interested in it yet and say I’m lying, but I just wanna enjoy what’s left of my youth for as long as possible lol.”
14. Be Respectful of Others
One user posted, “You need to remember that you can’t speak to people IRL the same way you do from your keyboard. You’ll get popped in the mouth.”
Another user commented, “I work with a teenager, and he was going for his license, and the person riding with him told him to go down a certain way. It turns out it was a wrong-way street or something, and he went down it, so he failed. The 16-year-old looked at him and said you’re an a-.
“I was like, you really didn’t say that, did you?! He said well yeah, I did because he was an a-. Kids are gonna have a hard time in the real world. It doesn’t help that he half-a- his job and expects to get paid more.”
15. People Don’t Care That Much
“People don’t care about you nearly as much as you think. Be a good person, but do what makes you happy without stress because people don’t have you In their minds as soon as you turn the corner!” one user shared.
16. You Need to Adapt
One Redditor posted, “You need to adapt to the world. Not expect that the world will adapt to you.”
Another user commented, “So much this. The world is not going to change for you. The world is not here to affirm you. You must affirm yourself and adjust your behaviours/develop coping skills to adapt to the world.”
17. School Is Not Useless
One user shared, “Schools are not as useless as they think; they do have problems, but it’s been proven over time and time that education is one of the few ways to get out of poverty.”
Another user added, “The complaint that courses that you learn in school don’t ever apply. Like most math courses. They are there to teach you how to think; if you find a job that directly has you doing Matrices with linear algebra, good on you. Otherwise, you know how to approach things from different angles.”
18. Let Emotions Just Be Emotions
“An emotion can be purely just an emotion, not a trigger, not depression and anxiety and not a reason to have a mental health crisis; sometimes it’s okay just to be sad!” one Redditor posted.
19. Don’t Pay Too Much for College
One user shared his thoughts and posted, “You don’t need an EXPENSIVE college degree. A private school that makes you take out huge loans to afford it is really not necessary at all. It is unlikely to yield better results. Also, living on campus is massively overrated, and if you can continue to live for free at home, it’s usually a great idea.
“State schools are generally far cheaper and usually of very decent quality. Also, look into EVERY potential scholarship (both merit-based and need-based) you might qualify for. Please fill out the FAFSA every single year and do it early.
“If state college isn’t looking super affordable, maybe there are no scholarships you qualify for that would help out. There’s absolutely nothing wrong with going the community college route. Relative to 4-year schools, community colleges can be dirt cheap and often provide way more flexibility if you want to do school and work part-time.
“Then, after two years, if you want to continue your education and finish up at a 4-year school, you generally can. In most cases, the credits should transfer (especially if the community college and state college are part of the same system), and you get yourself a bachelor’s degree and only pay the sticker price for two years instead of 4.
“If you live in a state that hasn’t taken this seriously and hasn’t invested in affordable higher education options, consider moving to a state that has. Establishing residency to get in-state tuition rates may take a year or more, but this can be worth it in many circumstances.
“Where you got your degree matters less and less these days. The stigma of online degrees is even lessening to a large extent, especially since COVID.
“It’s straightforward to get caught in financial traps when it comes to school, but it’s possible to avoid them. You have to plan things out and stick to what’s realistic so that you know you can see through to the end. Don’t compare yourself to others. You’re running your race. You’re on your path.
“The trades can be great for many. But if you’re not the manual labor type, you may be much better off finding a cheap higher education solution rather than trying to fit a square peg into a round hole.”
20. You’re Not the Main Character
One commenter shared, “You’re not always the main character.”
Another user replied, “You can go a little more in-depth with this, I think. You’re the main character of your own story. You just need to accept the fact that you’ll be an NPC to the vast majority of people you encounter.”
Another user commented, “Enjoy being the quirky NPC in everyone else’s story.”
Do you agree with the challenging truths that were listed above? Share your thoughts!
Source: Reddit.
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An ACH transfer is an electronic method of moving money from one bank to another via the Automated Clearing House (ACH). ACH transfers are more convenient because they’re quicker than traditional transfers.
Many people don’t realize it, but ACH, or Automated Clearing House, transfers are part of everyday life. They are how your paychecks are processed through direct deposit, used for debits for routine payments and much more.
Understanding ACH transfers and payments will give you a better understanding of how your money is handled. This is advantageous because it can help you avoid missed payments, late payments, and fees by knowing when you can expect money in your account.
This guide will explain what ACH transfers are and how they work as well as their benefits and drawbacks.
Key takeaways:
Money moved electronically through the Automated Clearing House are known as ACH transfers
ACH transfers are used for direct deposits for paychecks and for government benefit programs
ACH direct payments are for paying bills or sending money through apps like Zelle and Venmo
ACH transfers typically take one to three business days
In some cases, ACH transfers limit the amount you can transfer as well as how often
In This Piece:
What Is an ACH Transfer?
ACH transfers are a form of electronic fund transfers that move money between banks. Electronic funds transfers are when you move money in a non-physical way. For example, when your employer directly deposits money into your bank account rather than giving you a physical check or when you PayPal a friend, these are electronic transfers.
ACH stands for Automated Clearing House, and a clearing house is an establishment that acts as a go-between for banks to finalize a transaction.
ACH transfers can be used for the following:
Bill payments
Direct deposits from employers
Direct deposits from government benefit programs
External funds transfers
Person-to-person payments
Business-to-business payments
You may use ACH payments and transfers regularly without realizing it. Popular payment apps like Zelle, Venmo, and PayPal use the ACH network to send and receive money.
How Does an ACH Transfer Work?
If you want to make an ACH transfer, it’s a simple process as long as you follow these steps:
Step one: Similar to paying with a check or receiving a check, you’ll need the name, account number, routing number, account type, and amount.
Step two: Choose whether you want to do an ACH credit or ACH debit. ACH credits are often safer because your bank account details are hidden.
Step three: Finalize the transfer by linking your accounts and providing the details of the transaction.
If you’re a business owner, you’ll need to set up a way to receive ACH payments from your customers. There are a variety of digital companies that provide this service like Stripe and Plaid.
Types of ACH Transfers
There are two primary types of ACH transfers, and these have become a more convenient way of transferring money than the days of waiting for a check to clear. With the two types of ACH transfers, you no longer have to worry about bounced checks. However, you may still incur fees if you don’t have sufficient funds to cover the transaction.
ACH Direct Deposits
These ACH transfers are used by businesses and government programs to get people money faster. Prior to using the ACH network, you would need to receive a check, take it to the bank, deposit it, and wait for it to clear. ACH direct deposits are a way for you to receive payments, and some of the most common forms include:
Tax refunds
Government program payments
Annuity payments
Paychecks
Employer reimbursements
ACH Direct Payments
The other type of ACH transfer is direct payments, and this is when you’re sending money to someone else. When you use one of the payment apps to loan a friend money or split the dinner bill, you’re using ACH direct payments.
When you make an ACH direct payment, you’ll see the money debited from your bank account, and the receiver will see a credit in theirs. If the app connects to your bank account, debit card, or credit card, you’ll see the funds transferred via the app, but the app will have more details for your own tracking purposes. You can often include a note in these apps to note what the payment was for.
How Long Do ACH Transfers Take?
ACH transfers can take a few hours or up to two to three business days. The National Automated Clearing House Association (NACHA) sets the rules and guidelines for ACH transfers and has the following requirements:
Credit transfers can be processed on the same business day or between one and two business days
Debit transfers must be processed by the following business day
Although banks must adhere to these guidelines for processing payments, it’s at their discretion whether or not they charge for expediting the process. For example, when you’re sending money through PayPal and other services, they may have an option to send the money faster for a fee.
How much Do ACH Transfers Cost?
Depending on the bank or financial institution, there may be a fee for sending money to an account at a different bank using an ACH credit transfer. These are known as “external funds transfers,” and the cost can range from $0-50.
ACH debit transfers are the types of transfers that employers use for direct deposit as well as bill payments. These types of ACH transfers are usually free unless you need to expedite the payment.
External ACH Transfer Fees
As mentioned above, the cost for external transfers can vary between banks. Below, we’ve provided the fees and delivery times from some of the most used banks in America.
Bank
Fee
Approximate delivery time
Axos Bank
$0
3 to 5 business days
Bank of America
$3 from account and $0 to account
3 business days or $10 fee for next day
Capital One 360 Bank
$0
2 business days
Chase
$0
1 to 2 business days
Citibank
$0
3 business days or an option for free next-day delivery
Discover Bank
$0
1 to 4 business days
Navy Federal Credit Union
$0
2 to 3 business days
TD Bank
$0
1 to 3 business days
U.S. Bank
$0 to account and $3 from account
2 to 3 business days and free next-day for incoming transfers
Wells Fargo
$0
3 business days for incoming transfers and 2 business days for outgoing transfers
Each of these delivery times are based on the disclosures and general policies of each financial institution when using their online banking for personal accounts. It’s helpful to remember that delays can occur if there is a holding period or payment is sent after the bank’s cutoff time.
What Are the Pros and Cons of ACH Transfers?
Similar to many financial tools, there are benefits as well as downsides.
There are many reasons ACH transfers are so popular, and here are some of the advantages:
You can use ACH payments to pay bills electronically rather than writing and mailing a check
ACH direct deposits are more secure
NACHA requires that transfers happen within one to two business days
ACH transfers are often free or just a few dollars to expedite
There are also some downsides to keep in mind when using ACH transfers to receive or send payments:
Some banks limit how many transfers you can make or how much money you can move
Penalties may occur with too many transfers using savings accounts governed by Federal Reserve Board Regulation D
Banks have cutoff times for processing ACH transfers, so they may take longer if you miss the cutoff
There are fees if you have insufficient funds in your account
What’s the Difference between ACH Transfers and Wire Transfers?
The primary difference between wire and ACH transfers is that wire transfers are much faster. When wiring money within the same country, the transfer can take a few hours or as quick as a few minutes.
While wire transfers can be much faster, they also cost more. Many ACH transfers don’t have a charge, but a wire transfer may cost $20 or $30. When sending money internationally, the fee might be even more. Wire transfers are usually the better option if you need to move money quickly and can afford the fees.
How to Make ACH Transfers Faster
ACH transfers can take up to three business days, but there are a few ways you can make these transfers faster:
Use payment apps: Apps like Zelle and others link directly with your bank, can send money in real-time and don’t charge additional fees for same-day payment.
Know the cutoff times: Banks have cutoff times for transfers, so you can avoid a payment taking longer than expected by knowing how late you can make these transfers.
Pay the fees for expedited transfers: Some banks have the option to send the money faster for an additional fee. This fee varies by bank.
Can ACH Transfers Hurt My Credit Score?
ACH transactions can’t hurt your credit score directly, but it is possible to acquire fees from your bank. Unpaid bank fees can be sent to collections, and then the derogatory mark can show up on your credit report and hurt your credit score.
One of the best ways to avoid hurting your credit score is to have credit monitoring so you’re notified as soon as there’s a change to your score. Credit.com’s ExtraCredit service provides credit monitoring for a monthly fee so you know when something happens or a potential error was reported. If you’re unsure of your credit health, Credit.com offers a free service as well. You can get your free credit report card here.
Grab some popcorn, find the most comfortable seat in your house, and start counting down—we’ve collected our list of the best classic movies of all time! We’re talking timeless classics that are as relevant today as they were when they first hit theaters decades ago. From love stories to action-packed adventures, these films span a variety of genres that will keep you entertained for hours on end. Whether you want to relive the golden era of film or simply take a trip down memory lane, transport yourself back into an age where storytelling was king!
1. Jurassic Park
The OP opened the topic with, “Jurassic Park only recently, and I think it still works. In fact, it touches more subjects and problems and patches a lot more plot holes than a lot of today’s blockbusters.”
Jurassic Park is Steven Spielberg’s massive blockbuster franchise that revolves around two paleontologists and mathematicians. They are among a select group chosen to tour an island theme park populated by dinosaurs created from prehistoric DNA. They later found out it wasn’t as safe as they thought when various ferocious predators break free and go on the hunt.
2. Inside Out
One Redditor replied to the OP and shared, “F— This post makes me feel old.”
Another user responded, “Personally, I think those old Disney flicks like Inside Out are really timeless. Edited twice for grammar.”
Another agreed, “Same. And I’m not even what you’d consider ‘old.’”
3. Chinatown
“Chinatown…..oooooh, I love me some noir. Also, if the early 90’s is classic, then Glengarry Glen Ross. Edit: the first Dirty Harry movie, also Escape from Alcatraz. Remains of the Day…I still cry a bit when I watch that. The first Superman movie with Christopher Reeve…sure, it’s got ridiculously dated effects, but the joy of Williams’ score and Reeve just being perfect for Clark Kent and Superman is always uplifting to me,” one usershared.
4. City Lights
One user highlighted some movies, “Good list. I’d throw City Lights, The Adventures of Robin Hood, Kind Hearts and Coronets, Rebecca, Rear Window, The Wicker Man, and The Last Picture Show on there.”
Another user replied, “Thank you for that. When I think of classics, I think of that time period; maybe I’m getting old.”
One Redditor commented, “Period films should always hold up… it is in their design.”
5. Citizen Kane
One user also shared another list, “When it comes to classic old movies that still hold up today, opinions may vary. However, here are a few examples that are often regarded as timeless:
“Citizen Kane (1941)—Orson Welles’ masterpiece is widely regarded as one of the greatest films ever made. Its storytelling, compelling characters, and exploration of power and identity continue to captivate viewers.
“Casablanca (1942)—This romantic drama set during World War II is known for its memorable quotes, enduring performances, and timeless themes of love, sacrifice, and political intrigue.
“The Shawshank Redemption (1994)—Though not as old as some other classics, this film has achieved cult status and is considered one of the best movies ever made. Its gripping story, exceptional performances, and messages of hope and redemption have resonated with audiences worldwide.
“Gone with the Wind (1939)—This epic historical romance is still highly regarded for its sweeping scale, memorable characters, and lush cinematography. It remains a classic example of old Hollywood filmmaking.
“Psycho (1960)—Alfred Hitchcock’s psychological thriller continues to be praised for its suspenseful storytelling, iconic shower scene, and groundbreaking techniques. Its impact on the horror genre is still felt today.”
6. The Godfather
One added, “The Godfather.”
This mob drama, based on Mario Puzo’s novel, follows the Italian-American crime family of Don Vito Corleone. Michael, the son, joins the Mafia, leading to violence and betrayal, affecting Michael’s relationship with his wife, Kay.
7. It’s a Wonderful Life
A user shared, “I’d say maybe most of Frank Capra’s films still hold up. Even if the world isn’t the same.”
Some of Frank Capra’s films are It’s a Wonderful Life (1946), It Happened One Night (1934), Mr. Smith Goes to Washington (1939), Mr. Deeds Goes To Town (1936), and Lost Horizon (1937).
8. Twin Peaks: Fire Walk With Me
“Twin peaks fire walk with me. Still scarier than most of the so-called horror movies nowadays.”, posted by a Redditor.
Twin Peaks: Fire Walk with Me is a 1992 American psychological horror film directed by David Lynch and written by Lynch and Engels. It is a prequel to the television series Twin Peaks, which combines detective fiction, horror, supernatural, offbeat humor, and soap opera tropes. The film has a darker tone, with most television cast members reprising their roles, but some notable cast members, such as Lara Flynn Boyle and Richard Beymer, did not return for various reasons.
9. Pinocchio (1940)
One user shared some movie names and posted, “Plenty still hold up in terms of artistic/entertainment value: Citizen Kane, 12 Angry Men, Strangers on a Train, Repulsion, Vertigo, Pinocchio (1940 version), The Great Escape, The 39 Steps, The Magnificent Seven, The Dirty Dozen, The Sting, Jaws, Romeo and Juliet (1968 version), All About Eve, The Grapes of Wrath, Cool Hand Luke, and Hud. Loads more too.”
10. White Heat
Another user commented, “Cagney in White Heat for sure, any of the original James Bond movies w SC of course, Taking of Pelham 123 (original version), 2001, Mr. Roberts, Far From the Madding Crowd, jeezz too many to mention, THAT is why TMC is so important to our continuation of literate culture… Movies are artwork and are the antidote to our mindless modern American culture. Hey, you kids out there, stop watching fascist corporate stuff, Captain Avenger-type stuff; it is destroying your minds!!”
Have you seen the films listed here? Do you agree that they should be given more attention? Let us know your thoughts!
Source: Reddit.
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