u/portraitstudio2388

I have been going through it and some rough periods. I take these two with Magnesium(200mg) and Vitamin D3(1000IU) but I don't think they've been working. I also take Fish Oil(2452mg) I started taking them in July together. Im about to finish the bottles and I don't know if my depression is just so terrible that these don't work as good.

I don't feel happiness or joy but I'm not even sad. I feel nothing. I have no energy to do anything to go out. Idk if it's the fear of spending but I just really don't find happiness or drive in anything to do.

Does taking too much have negative effects? I take 2 of each every night. Should I stop? Did I develop a tolerance or something?

Salut everyone. I got myself in a bit of a situation because I got laid off and I cannot afford to pay for my apartment for long. I'm trying to find someone to transfer my lease but no takers so far using Facebook Marketplace and others.

I was wondering if there are specific rules I should know about breaking a lease specifically in montreal? I'm already stressing out about this and I was hoping to get some help. Thank you.

I'm in Toronto and went to a meeting at a bank about some money I had and brought in a consultant to discuss with me what to do which was to choose the portfolio. They to recommended it to me because I received a 300k inheritance deposited into my account recently. It was a portfolio with many managers in it to manage different pools in the portfolio.

It's basically a portfolio with many investment portfolios in it. I looked at the performance and fees and I don't understand why they would recommend it to me while they have other portfolios that are relatively cheaper where I don't have to pay out of pocket but actually do good? What if the market has a bad year? My cousin got in 2022 got killed in her investments. Did that mean she had to pay too?

Now I understand index funds are cheap and all that but I feel like barely any management sounds too risky on it's own. But I feel like a little management would be helpful too?

I'm just a little frustrated with how the business model works. It's like them saying you'll be giving us your money, giving you a low return, and you're gonna thank us for it by paying us again.

It has been such a fun game with gameplay that reminds me of anime. I was wondering if there have been people who made custom rosters or mods with it? Seems like the ideal game for it

I have 30k of credit card debt. I earn 1900 biweekly. I keep just using my credit card instead of my debit card due to cash back. I don't splurge buying expensive things. I don't buy new clothes, I don't upgrade phones every 2 years, I don't even have a car.

My only splurge is using Uber to commute because the public transportation where I am at is nearly non-existent. Uber cost total is around 400-500 a month. Cheaper than car payments and car insurance which will atleast be a thousand for me because I will be considered a new driver because I didn't have parents to be sponsored with under their insurance. The car in my hypothetical is already a beater because the days of buying a used car with under 100k mileage for $5k is gone.

It just started adding up because of the small transations. It's insane. Tapping the card and the convenience of it messed up my budgeting. I do save a little bit putting 400 a month into my investment accounts to help save.

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I am a little shy. Maybe I'm just timid. I try to be friendly with people but most of the time I just drown into work because there's just a lot.

I am not sure how to be likable because in my head people who are likable are those who just have an easy time talking to people with loud personalities. That is not me. Do I have to adjust? Change myself?

I am also a little older than my peers like 10 years older usually. I am just challenged with socializing because I grew up in an abused household just forced to focus on school and not go out to socialize. I have been trying to get better but I keep going back to just locking myself in my office focusing on work.

I don't know how to banter. Have quick witty comebacks. I feel like I am on the spectrum or depressed or both. I just don't want to mess this up again. My reputation has always been someone people don't like. A loser. I'm fat so I'm an easy target. I don't talk as much so that's that.

If you guys need to ask more questions, please do let me know. For people who's gonna point out that I'm older and never developed social skills, I don't need to hear it. I already torture myself everyday with the thought.

First off, they're not full interest rate.

33k of it is 10%. The rest is 21%.

I'm 30M, single. My income is net $1900 biweekly. My rent is $950 a month. No car. Do spend a ton on Uber though which is $500 a month give or take. Buses here are unreliable as shit.

I pay $400 for the first card, $300 for the other card. I can't even point it to any single reason why I racked em all up. Dates, underestimating cost of things, Uber Eats, relationships. It's just everything. I torture myself everyday. I know I shouldn't do anything else but just pay this off but I can't. I have a partnet too that I can't say no to. I feel like I shouldn't have fun anymore. My only fun is coffee and movies.

I feel bad spending $250 worth of groceries today and I barely spent stuff on meat. Chatgpt said I just spent a lot on self-care stuff like toothpaste, toilet paper, etc. which sounds like bullshit. Only meat I bought were ground beef, bacon, and sausages.

Friend of mine was recommending a monthly income fund that gives 6-7% distributions/dividends per year whether it's a good market or a down year overall like in 2022. The annual returns look pretty decent too.

What's the advantage and disadvantage of those funds? I get that it makes sense to just go full growth if I can tolerate the risk but having investments in an income fund feels like it will balance out my portfolio. What's the problem with these funds and will they really still give you distributions/dividends when the market is down?

Just lost my dad recently and I've been grieving with things alone and I understand that everyone is busy and have no time. Just looking for places in Newmarket where you go to to cheer yourself up and forget about the stresses of life.

Can be a restaurant, cafe, park, etc. I just moved in a month ago so I'm still quite new to the neighborhood. Thank you for those who can give some places.

I'm on a work event downtown where I have to commute to everyday using the Go Train and thankfully I can expense the travel charges. I don't usually go to downtown or use the Go Train but I forgot that I have to tap off as well which I have never done for the past 2 days.

When will I get charged for the difference? The trip is like 10 dollars one way and so far since I tapped only once I only got charged 3.20 dollars each time. I feel like the difference will be charged soon but idk when. What can I do about it

It is honestly quite oilier than I thought and was wondering if this is effective because most retinols I see in YouTube videos are like creams. I just got this as a starter and it being more affordable.

Do you also use moisturizer after? If so do you do it immediately?

I'm attending a week-long work event downtown and I live in Barrie. My job is just 15 minutes away from my place which has been a dream because I get most of my day after work for me.

I'm curious about people who do this for the rest of the year, how do you enjoy your commutes to and from work if you commute an hour or more? It's the complete opposite of how I've been living and I'm curious with how people deal with it.

Wow I thought this was only on the older models but I get it on this one too.

Is there a fix for this already? How did you guys resolve this?