fadedmaster

Keep in mind that the cops don't have to provide you with their reasonable suspicion in order to demand ID. It's not until court that they have to provide their reasonable suspicion. So they have plenty of time to come up with justification after the fact.

Also, on the Fifth Amendment I thought I had read somewhere about a case where a man simply remained silent and never once invoked his right and it didn't end well for him. I cannot remember the details, but for some reason I thought that you still had to invoke the fifth even if you have not yet answered any questions. I'll have to look back into this later and post back if I find the story.

I could see how it would be an affordable way to attention to a problematic bill (if it was still done as @[email protected] stated).

I've never seen a posting that far off. I mean if you're applying for waiter jobs and they list a bunch of HVAC qualifications, that sounds more like a mistake where they gave the wrong position title or selected the wrong job description. Which would be an honest mistake. These HR people are human just like you and I. Mistakes will happen.

And this is why you never say no to a job posting just because you think you're not qualified. Apply anyway. You might be exactly what they're looking for and be an otherwise great fit.

Every job I've had except for my first retail job I have not met the posted requirements, but I've been able to either learn on the job or proved in the interview process that I know the subject matter despite not having the degree.

Congrats on making it that far! I'm sure you'll have a fully funded emergency fund before you know it. I hope no emergencies come up while you build it, but if they do, don't let that discourage you!

I think you give a fair explanation of Dave in this comment. I definitely think much of his "baby steps" needs to be updated. Just for example, $1000 in savings is just going to cause someone to get further into debt when an emergency comes up.

I like the 20/30/50 rule for budgeting (20% saving, 30% fun and 50% needs). If you have bad debt (consumer debt, bad auto loan, etc), then minimize your fun spending the most you can in order to wipe out that bad debt as quickly as possible. But of course also save up at least on month of needs or your largest deductible (whichever is greater). Then once the bad debt is gone save up a 3-6 month emergency fund (according to your personal risk/comfort level).

I also think it's important to not be too hard on yourself. Some months you'll be over budget and some months you will be under. That's why I think it's important, like you said, to leave some room in the budget and not get caught up in zero dollar budgeting.

I agree with all of those. Some of my favorite clothing I've gotten thrifting. I've been able to find never worn brand name clothing for way cheaper. Heck. I recently got a pair of Eddie Bauer shorts, never used (still had the baggie with spare buttons attached to the waistband), for $5.

Video games. Unless it's a game I play with friends I typically wait for it to drop in price significantly.

Ditto. They also smelled worse too. We found that the Target brand diapers when Target has their gift card deals was the time to stock up on their whipes and diapers.

Keepass deals with this fairly well. It remembers the restrictions from the previous password.

Or several numbers if it can't be too similar to a previous password.

I wish I knew what I was doing because I very rarely get that stuff, unless I go to Shorts. Then that crap shows up in both the Shorts and my recommendations. After ignoring them for a couple days they go away and stay away as long as I also avoid Shorts... So maybe that's the key?