Bought May 2024
Perfect for wfh & light indoor exercise while watching Netflix! 10k steps ez
No damage or issues
With original box, remote, power cord, lubricant, etc.
Foldable design for easy storage - fits in my small 22sqm studio unit
Adjustable speed settings until 6 kph (brisk walk/light jog)
No mat, but quiet naman - never received any noise complaints
RFS: Changing work from wfh to onsite & moving to new place with own gym
Price slightly negotiable for sure buyer
LOCATION: Manila
Pickup or Transportify (with assistants) or similar only please - it's really heavy.
I’ve always been interested in knapping but never really got into it or any research about it. The other day a coworker on the jobsite pointed out that the rocks in our dirt work there was a “stone the Indians used for arrowheads.” So I did a little bit of research and discovered it was novaculite. Should I keep all the ones I see?
Am sad. I wanted to get a ZF in color (red… or blue lol) but it appears only the black one is eligible for the 0% APR? That’s so disappointing… is the red color Nikon.com exclusive?
On wave 18 of Topless Mountain (my second try at the level, failed out on wave 25 before).
I reached my 60% and then sent my remaining patients home.
However, I have one patient who is bugged showing “sent home” but won’t leave and thus won’t start the next wave. I suspect she has been bugged for a while as she’s already diagnosed with Wanderlust but still was queuing in Psychiatry.
I have shut the game down and restarted (unfortunately I saved out of habit), rebooted the computer and no change.
Any suggestions for how I can get her out and start the next wave?
Is RME that bad?
In Argentina I cant find too many normal RMX mostly the RMX Shift, how about those? And its need a special case since they have the cables on the side? Like a minimum width of the case to be able to manage the cables without breaking them.
Anyone have any insight on talktools…Is it just another SLP influencer selling us a product or do you think it could be an effective intervention for Down syndrome population? I work with many kids with DS but most are adolescents.
Are we still doing the yappy hour Monday - Friday between 2-6 $5 off stand alone services? I had someone come in yesterday after 2:00 and it didn’t automatically take the $5 off.
">
while i would love to get a bookshelf, i’m working with little space but still want to have a nice place to show off manga (when i buy more in the future lmao), what are y’all’s opinion and how would you go about it? Thanks !
**1. Overpaying for car insurance**
The average American saves a whopping $410+ a YEAR ([source](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Auto-Savings-Red-Savings-v2-1224-Source)) when they switch auto insurance carriers - sometimes significantly more than that: I saved $1,300 this year.
The reason: some carriers offer discount prices to new customers when they switch.
Take 30 seconds and go to a 3rd party comparison site ([Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Savings-v2-1224) and [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Savings-v2-1224) are both fine) to see if you can find cheaper rates. You’ll likely save yourself a bunch of money.
Some people suggest switching every 6 months, that's a little bit overkill imo. Once a year should be fine.
**2. Overpaying when you shop online**
Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices.
I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Savings-v2-1224)).
When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible.
**3. Paying for subscriptions you don't use.**
We've all signed up for free trials and forgotten to cancel them. Stop paying for services you aren't using!
Take a minute and get yourself a good cancellation app: I like Rocket Money ([link here](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224)).
It's an app that will put together a list of your subscriptions so you can pick/choose which ones to cancel.
They also have a premium service that will cancel them for you, if you'd like.
[Here's a link](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224) (it's free).
**4. Dealing with debt on your own**
If you’ve got $10k+ in unsecured debt (think credit cards, medical bills, etc), you can ask a debt relief company to come in and negotiate it for you. You typically will save around 23% on average (after their fees).
Here’s a link to a savings calculator from National Debt Relief's website if you want to see how much you could save: [link here.](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Savings-v2-1224)
**5. Not having a financial advisor.**
You know why so many rich people have financial advisors? It isn't because they're better at picking stocks (spoiler alert: they're not)
It's because a good financial advisor will help you with all of the bizarro tax implications you never would have thought of. People with financial advisors end up making \~3% more/year thanks to better tax planning.
If you don't know an advisor personally, use a 3rd party comparison site to find somebody with good reviews ([WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Savings-v2-1224) is solid).
**6. Using normal, low-interest savings accounts**
I'm always shocked at the number of people still using garbage savings accounts that pay 0.5% (or less) a year. There are literally hundreds of banks that will pay you 8x that, usually 10x that rate
[Here's a link to a bunch of options.](https://betterbuck.net/view-nb.php?offer=fiona-savings&country=USA&subid=Red-Savings-v2-1224)
**7. Needing cash, but taking out high-interest loans.**
So many people take out high-interest payday loans – **please don’t do this**. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit)
Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card).
Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans.
Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Savings-v2-1224)).
*Side note: if you hate debt, you can still get money out of your home’s equity by using something like* [*Hometap*](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Savings-v2-1224)*, where you more or less sell investors a portion of your equity without a loan)*
\--
There are tons of other things (obviously) but these are the ones that I see the most. Hope that helps.
**1. Overpaying for car insurance**
The average American saves a whopping $410+ a YEAR ([source](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Auto-Savings-Red-Savings-v2-1224-Source)) when they switch auto insurance carriers - sometimes significantly more than that: I saved $1,300 this year.
The reason: some carriers offer discount prices to new customers when they switch.
Take 30 seconds and go to a 3rd party comparison site ([Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Savings-v2-1224) and [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Savings-v2-1224) are both fine) to see if you can find cheaper rates. You’ll likely save yourself a bunch of money.
Some people suggest switching every 6 months, that's a little bit overkill imo. Once a year should be fine.
**2. Overpaying when you shop online**
Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices.
I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Savings-v2-1224)).
When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible.
**3. Paying for subscriptions you don't use.**
We've all signed up for free trials and forgotten to cancel them. Stop paying for services you aren't using!
Take a minute and get yourself a good cancellation app: I like Rocket Money ([link here](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224)).
It's an app that will put together a list of your subscriptions so you can pick/choose which ones to cancel.
They also have a premium service that will cancel them for you, if you'd like.
[Here's a link](https://betterbuck.net/view2.php?offer=rocket-money&country=USA&subid=Red-Savings-v2-1224) (it's free).
**4. Dealing with debt on your own**
If you’ve got $10k+ in unsecured debt (think credit cards, medical bills, etc), you can ask a debt relief company to come in and negotiate it for you. You typically will save around 23% on average (after their fees).
Here’s a link to a savings calculator from National Debt Relief's website if you want to see how much you could save: [link here.](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Savings-v2-1224)
**5. Not having a financial advisor.**
You know why so many rich people have financial advisors? It isn't because they're better at picking stocks (spoiler alert: they're not)
It's because a good financial advisor will help you with all of the bizarro tax implications you never would have thought of. People with financial advisors end up making \~3% more/year thanks to better tax planning.
If you don't know an advisor personally, use a 3rd party comparison site to find somebody with good reviews ([WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Savings-v2-1224) is solid).
**6. Using normal, low-interest savings accounts**
I'm always shocked at the number of people still using garbage savings accounts that pay 0.5% (or less) a year. There are literally hundreds of banks that will pay you 8x that, usually 10x that rate
[Here's a link to a bunch of options.](https://betterbuck.net/view-nb.php?offer=fiona-savings&country=USA&subid=Red-Savings-v2-1224)
**7. Needing cash, but taking out high-interest loans.**
So many people take out high-interest payday loans – **please don’t do this**. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit)
Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card).
Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans.
Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Savings-v2-1224)).
*Side note: if you hate debt, you can still get money out of your home’s equity by using something like* [*Hometap*](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Savings-v2-1224)*, where you more or less sell investors a portion of your equity without a loan)*
\--
There are tons of other things (obviously) but these are the ones that I see the most. Hope that helps.