u/Swe_labs_nsx

I live on the West Coast of the U.S., and I feel like the problem with asking this question is that everyone has such different preferences when it comes to chocolate.

The brands I already know of are:

• Lindt
• Godiva
• Leonidas
• Milka

I've also heard of Valrhona and Callebaut, but haven't tried either.

I'm wondering if some of these brands are significantly better in Europe than what we get here in the U.S.?

What are your favorite high-quality chocolate brands that are actually available in the U.S.? I'm especially interested in brands that are a step above the typical grocery-store chocolate.

As the title says, can someone explain this? I use dove men plus care. I don't think this is ph-neutral and have been looking into other soaps but do not sure which ones fit this description

Heavily considering using retirement funds (401(k)/Roth) to tackle student loans:

Options

• A: Pay off all student loans
• B: Pay off all loans above 5.5% interest
• C: Reduce balance to $12k, bringing average interest down to 3.92%

Current situation

12 student loans, $48k total balance, 5.42% average interest

• $90k old traditional 401(k)
• $11k current 401(k)
• $30k Roth IRA
• $8k in CDs
• Late 30s
• Income: $66k

I'm considering withdrawing about $38k from retirement accounts. I don't love the idea, but with a mortgage and what I see as a limited earning window, it seems more useful to reduce debt now than keep carrying it and hope for loan forgiveness. I don't necessarily need to pay everything off at once, I could eliminate the higher-interest loans first and tackle another group the following year. With mortgage interest and other deductions, I also don't expect the tax impact to be as severe as some assume.

FAQ

"Just use income to pay the loans."

My income isn't high enough to make a significant dent in them.

"Refinance."

Unless someone knows of refinance rates around 1–2%, I don't see much benefit.

"Let the investments grow."

I'm not expecting to become a millionaire, half-millionaire, or even quarter-millionaire from these accounts.

"Get aggressive, live below your means, live off beans and rice"

No comment

Had some questions about this, I used workspace one before and I know it could do this.

Can intune do real-time tracking of ipad / iphones? Like knowing the device location and whether it is up or down and knowing the serial information, version information, and whos assigned to the device. Also, if this information can be exported to powerbi or a cmdb or newrelic and tracked in that those tools.

I had a conversation with a vendor and they made it seem like this was impossible to do or was just looking for a solution they could do in 5 minutes.

Applied for personal card last year, got offer in mail for business card. Am I eligible for welcome offer or do I wait 24 months?