LPT if you need boxes to pack pictures/tvs when moving, go to a bike shop and ask for boxes. They often have boxes from the bikes they've put together that fit these objects very well.
Damn, that's actually a super good tip. I used to work at a bike shop, and we had like 20 of those we just recycled every day.
or if you have smaller stuff go to mcdonalds and ask for the fry boxes
"Hello sir, are you looking to buy a bike?" "Gimme the fucking box."
liquor store boxes work well too. Nice and durable.
LPT: Instead of asking others if they "know" a subject, ask them if they're "familiar with" it; people are less likely to feel challenged by the latter phrasing (and as a result, more likely to answer honestly).
No: "Do you know anything about The Wiggles?" or "Do you know the Pythagorean theorem?"
Yes: "Are you familiar with The Wiggles?" or "Are you familiar with the Pythagorean theorem?"
How familiar are you with the gear wars exactly?
Are you familiar with the tragedy of Darth Plagueis "the wise"?
The thing people don't realize about the gear wars is that it was never really about the gears at all.
LPT: Don't be salty when someone asks you if you know about something, understand what they mean and answer to the extent of what you know.
Edit: Some people are taking this a bit too far. I don't think OP meant that people will get offended or will have a crisis if you ask them if they know about something, but rather that phrasing the question in a different way will make people answer more accurately. Now, I disagree with this approach because I think there's more value in the recipient of the question developing better social skills to understand what the quesiton means than rather having the asker be carefull with their wording. There's more personal growth in the former.
LPT - When at a pub in the U.K., if they serve food but the table has no cutlery or napkins set then you need to order at the bar.
Basic rule is you order at the bar if you are not greeted at the door and taken to a seat. Lack of cutlery, napkins etc is a good clue too. Even if there is waiter service or they seat you (sometimes they only do this at busy times), you can still order at the bar if you want.
I'm British and this LPT confused me for a moment: didn't occur to me that this might not be normal.
Another dead giveaway is when there are large signs everywhere saying "please order food at the bar", like there are in my pub.
You would not believe the number of people that come in and sit there for ages then get huffy at a passing waiter for not serving them...
Another dead give away is if your table has a number on it. Thats how they know at the bar which table to bill and where to bring the good, Wetherspoons pubs all do this in my city anyways. I am canadian now living in Scotland and in Canada we have a mix of places where they seat you and places where you seat yourself but ordering at the bar is pretty rare, where im from anyways.
I like the order at the bar set up though, can sit and have a beer first and take some time and have a look over the menu where as when its a server I feel like I should hurry up and order so I am not wasting her time keeping coming back to us!
LPT- Dont buy a new car ever. As a former CPF the biggest waste of money young people make are buying cars new.
I used to work for UBS as a CFP before i went to pharmacy school and i used to handle a lot of younger accounts between the ages of 25-35.
Never ever buy a car new. Its the single worst money mistake anyone can make.
The reasons are that new cars have a huge depreciation upon purchase. 90% of the time a car is purchased brand new you are already upside down since its a depreciating asset. I cant tell you how many kids i have seen that make 50k a year and are drowning due to a $500 a month car payment, thats about 32k financed at 72 months.
Cars only take you from point A-B. There is literally no point financially in buying a fancy new BMW or Mercedes. I always recommend buying something under 20k that is a CPO. You can find amazing deals on 1-2 year old cars with full warranty in that price range.
The only issues with buying used is that you will pay a slightly higher interest rate but that will not be an issue. Another note is even if they offer you a 0% interest rate its still usually a bad deal. For example a new chevrolet malibu is around 30k new. it was being offered at a 0% interest rate for 60 months. currently you can buy a 2014 malibu for around 11k if you where to take the payments on that malibu even at 0% you would still be upside down on the car and owe more than its worth in only 3 years.
Here is some math to explain my point. You can buy a 3 year old Malibu every 3 years for 9 years and still be way better of financially. The reason is that when you go to sell the malibu in 3 years time you may get 7-8k for it when you go and sell the new malibu it would only be worth 11k in 3 years. You can see how the money adds up drastically in 9 years time of buying and selling new versus used. your total used cost would be less than what you would lose when selling a new Malibu 1 time.
Here are the reasons why this is.
When buying a car used you also dont take as much as a depreciation hit when reselling a car. For instance when buying a car for $10k the depreciation on the car is almost terminal and it will maybe lose 5-10% of its value per year compared to a new car that can take a 20-30% depreciation per year. For a 40k car that can be a huge hit financially. The cheaper the car the less deprecation will effect it per year.
Hopefully this can paint a picture for anyone looking to buy a car in the future. This should be common knowledge but many people dont look at things with the future in mind.
Edit people are misinterpreting my post. This is purely from a financial standpoint. From a finance perspective buying new is a terrible investment. I am only looking at it from a financial side were you can use the funds saved and apply them to a 401k, RothIRA or house all of those can be considered appreciating assets. Of course there are exemption and not everyone is in the same boat financially. Buying new can sometimes make sense from a business perspective for tax reasons or high use as well as buying new under 15k.
LPT: Write out your acronyms at least once.
But if nobody buys new cars ever, where will we get used cars?
It should be "don't buy a car you can never afford". Also, never treat your car as an asset.
"As a CFP for USB I recommend a CPO" BTFO & STAUYA.
LPT- If you wake due to stress and can't fall asleep, do a chore like emptying/reload dishwasher or put away laundry. You'll burn off your frustration and be able to settle nerves having a sense of accomplishment
Burn frustration. Rest well
Corollary: Don't start scrolling through Reddit, it's only a temporary fix that will make you feel worse later.
But lying in my bed whilst holding back tears and compulsively browsing reddit for hours on end is how i try to solve all my problems
Lol nice try mom
Angry cleaning = best cleaning.
LPT: Refrain from using fabric softener on your socks; it lessens the absorption causing them to wear out at a much faster rate. Same goes for towels! Thanks Mom!
I'll be damned if I separate my clothes.
My wife did this when we first married. The towels would barely absorb water. Weirdest thing.
When I asked her to stop she objected so we dried a load without and one with. There was no more debate after she tried one without.
"no wonder youre always late, you cant dry off!" did not go over well.
If you wash your towels and such with 1 cup of white vinegar once in awhile it will re-fluff the fabric.
I'll re-fluff your fabric.
LPT: Mute your phone when on hold to a call center, you are likely being recorded the entire time.
Call centers often retain the entire audio log when you dial, so assume anything you say can be used against you should you get into a legal dispute. To save on headaches later, just mute your phone. Hoping this isn't a repost - if I'm regurgitating a previous LPT my bad.
I work at a call center, can confirm we record everything. But not because of what our customers might say, because of what employees might say.
Worked in 5 or 6 call centers and it's almost exclusively used for monitoring agents. Only once have I ever seen the recording used against a customer, and it's because he rambled off our address and made a bomb threat. Apparently that's a federal crime to do across the phone if it's out of state?
I always talk shit, because they think I don't know... but I know.
When dealing with my ISP call center I'm always sure to have a conversation with a family member about the benefits of switching to another company. On the very slim chance someone listens.
LPT: When looking at the reviews of a Product/Service, look at the 3-Star reviews; they're generally the most honest.
After careful thought and consideration I award this post: 3 out of 5 stars
While OPs attempt at helping the rest of us avoid 5-star astrotufirng reviews and 1-star vendetta reviews that both fail to provide accurate reflections of a consumer's honest thoughts is appreciated, his overgeneralized reasoning is ultimately flawed and will likely result in missing out on honest feedback more often than avoiding dishonest feedback.
Take reviews with a grain of salt. Look for trends. Examine the history of a reviewer if their arguments particularly swayed you one way or the other. Check reviews on multiple websites.
I'm giving this comment 1 out of 5 stars. Even though I didn't read it all, it took to long too get to the point. I'll never read from this guy again. Would not recommend.
...they're generally the most honest.
Or merely the most conservative.
I tend to take the opposite approach. I look at the extreme ratings first. Quite often, I find that one extreme is much more reasonable than the other, suggesting that the other extreme is either just someone venting or someone with a strong bias. After that I look at the middle ratings.
I go straight to the lowest ratings and read the complaints to see if they're relevant to me or even reasonable. Some people will give one star because their shipment took too long or they had a petty issue like the color or something.
When I was reviewing vacuums, the only complaint was that it didn't work well on hard floors or stairs, but my house at the time was completely carpeted and only one level. So I find the lowest reviews to be the most telling about a product.
LPT: Try foods that you hated as a kid, your taste buds change every 7 years and you're very likely to enjoy most of the foods you disliked.
Most people are aware of this, and while I still dislike the smell of most of these foods, they taste delicious to me now. Don't just smell and dismiss them. I disliked brusle sprouts, apricots, dried fruit, etc, and now in my early 30's I recently tried and love all of those things.
Or your parents just sucked at cooking. Like mine.
Yup. I hated steak for the longest time until I tried a proper medium rare steak and realised it doesn't have to taste like a boiled boot.
your taste buds change every 7 years
Your tastes may change as you get older, but your taste buds change every couple of weeks, so it probably isn't a result of that.
LPT: If you have a voicemail that means a lot to you, BACK IT UP.
I used to work for a phone retailer, and I have had it happen a dozen times or more in less than a year where some change on their account (ie dumb phone to smartphone) screwed up their voicemail and they lost what was on it.
I've had mothers who lost their son to a motorcycle accident cry in the store when they try calling their voicemail to check voicemail she kept of his. I've seen adult sons get angry that their dad's last words were gone forever.
The easiest way is to get a call recording app on your smartphone, and call your voicemail while it's recording. You can also take an Aux cord to a computer and record it.
"Call me back dick licker."
5 year old voicemail I have saved from a best friend who passed away the same night he left it. I listen to it every once in a while.. I loved him and miss him dearly. I would actually be very upset if I lost the voicemail.
Please hear my cries on what they call an "Ethical Will" - a video or audio recording of your voice, messages to give to others that share/pass down values, thank yous, and words of wisdom to loved ones.
It takes 10 years for someone's voice to be COMPLETELY FORGOTTEN FOREVER - My girlfriend died 6 years ago, and all I have is a 6 second video clip of me trying to sneak a recorded video of her and her laughing and telling me to stop. That is all I have.... Don't be in this position and don't carry the burden of regret. It's a heavy cloud that's hard to waive.
I'm a huge advocate for my clients to do it, and I'm going to start recording my parents talking about all the stories they share with me when we're up late at night. I kick myself when I'm done with those types of conversations and I'm like, "damn, I should've recorded this one"
This is such a best friend thing to say omg
For anyone curious.Get an AUX cable. Plug it into your phone and into (sometimes it's not coloured) Download Audacity (free for all OS) In audacity change the input mode to Line-In Press RECORD in Audacity Play whatever media back on your phone Stop recording in audacity and export the file. BACKUP THE FILE.