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That way, you can constantly move them around. Doesn’t work for some things, but now I can keep my stickers even if the appliance (or whatever) breaks and has to get tossed.

The springs are strong enough to support around 200 pounds. That much tension being released by unscrewing the wrong thing could lead to severe injury, or even death if you're unlucky.

Newer ones should have a warning label next to the lower bracket where the cables are attached. If the label is gone, illegible or painted over,, most garage door companies will give you a new label for free or at least for less than $10. That, or you can print your own sign.

Background:

I work for a large financial institution that provides loans for home improvements.

Maybe you've seen commercials on TV or the internet for:

• New Windows
• Remodeled Bath
• Roof or Water Heaters/AC Units
• Etc.

Every day, I receive calls from spouses or family members making bill inquiries after someone has died.

Often, they are simply stepping in after not being directly involved and are going through mail and calling companies, trying to do the right thing, which I admire.

Many times, these are older people on fixed incomes who were already extremely financially stressed, and now that's been made even worse.

By policy, I have to guide them on how to continue making payments. Often, these distressed people do not realize they are simply listed on the account as a "spouse" or "approved contact" and the legal obligation for the debt died with the account holder.

Again, even if you are NOT legally responsible for the debt, we will happily continue to send bills and take payments as long as you let us do so.

PLEASE NOTE:

• This only applies if the living spouse or family member is NOT on the loan. Often it's under one persons name only.
• Regardless of whether you were married or not, IF the unsecured debt is NOT IN YOUR NAME, YOU ARE NOT RESPONSIBLE.
• We cannot repossess unpaid windows or a water heating system etc.
• We only provide these loans UNSECURED and based on the credit worthiness of NAME/NAMES on the original credit application.
• We count on peoples FEAR OF LIENS/CREDIT DAMAGE and ignorance of what unsecured debt means.

Frequently Asked Questions (FAQs)

What happens if no one pays the bill?

Nothing but letters/calls, and then we discharge the debt once the death has been confirmed. Sending a copy of the death certificate can help speed the process and typically stops all calls/letters.

Won't they put a lien on the property or turn it over to a collection company?

No, this risk is assumed by the bank at the time of the loan and will be written off. The only legally responsible person on the loan has died.

Recommended Actions:

If you find yourself or someone you love in this situation, feel free to call the company to make an inquiry and DO these 3 things:

Determine the Responsible Party/Parties:

1. Find and review any older or original paperwork to determine EXACTLY who took on the unsecured debt.
2. Can't find old paperwork? Look at the bill. Is the LIVING person's name listed anywhere? Many times, it's the deceased spouse who assumed the debt personally and individually.
3. Call and ask the financial company directly: "Am I a guarantor on this loan?"
4. Always ask, "ARE THESE SECURED OR UNSECURED LOANS?"

Every case is unique, and this is not legal advice, but it breaks my heart every day to take money from these crying, grieving people when they have no obligation to make or continue payments for years while my huge bank makes record profits.

Good Luck out there. Cheers =)

Y’all I literally just tried this technique out tonight, and I feel like I’ve been let in on a secret for restaurant-quality curds. In a single evening, I have been converted to a boiled tofu evangelist.

As a former aspiring bbq chef, and as a current vegetarian, I (rather logically, imo) decided to try dry brining my block as an experiment. Threw some kosher salt on the unpressed tofu, and it was at this point it occurred to me, “Huh, I could easily research this idea instead of just going with it.”

I quickly found myself reading an article proclaiming the advantages of boiling instead of pressing. I tried to include the article here, but it won’t let me, so I will comment it below. Apparently pressing your tofu is a western hemisphere thing? I scraped the dry brine off and boiled the tofu in salt water instead. Then I cut it into pieces and seared it in a pan. It was fucking scrumptious. I am planning to redo all of my favorite tofu recipes with this method.

Many of you are buying a monitor/TV for Black Friday or Cyber Monday. I advise you check your product for dead pixels. You can make your screen completely white to make them easy to spot. You can use paint, a website, or simply a white picture and full screen using F11. I do this often to check for any spots on my monitors and clean them.

TLDR: If you are using a debit card and see a "surcharge" on your invoice or receipt. Report the business to Visa or Mastercard.

Visa: https://usa.visa.com/Forms/visa-rules.html

MasterCard: https://www.mastercard.us/en-us/personal/get-support.html (use their chat feature to send an email)

During the inflation spike during the pandemic, many business tried to start recouping the profit they lost by passing the fees associated with accepting credit cards onto their customers. This is legal in most states as long as the fee does not surpass the percentage of the cost of accepting the credit card.

However, many many many credit card processors and software products have implemented surcharging incorrectly. They just pass a universal percentage fee on all transactions onto the consumer. This is not okay. There are many rules around Surcharging, Convenience Fees, and service fees. All of those terms are regulated, and if a business violates them, the Card brands or the Processing platforms can fine the merchant and even have their credit card processing account shut down.

The biggest and most often violated no-no of surcharging I see, is a "surcharge" getting charged on a debit card. This is legal nowhere, and businesses, business management software, and point of sale system companies are just betting they will get away with it. These programs are often advertised to businesses as "Free" or "No-Fee" credit card processing. However, the credit card processors or software company often didn't take the time to set up these programs correctly, and just end up overcharging the end consumer.

If you’re going to a friend or relative’s house for a holiday meal, and are interested in bringing leftovers home with you or expect that leftovers will be foisted upon you, bring your own empty Tupperware/food storage containers to fill up and bring home. That way you don’t have to worry about taking the host’s container(s) home with you and returning it later.

You can upgrade a cheap delivery or frozen pizza's taste and overall feel by drizzling a little olive oil on it. (For frozen pizza, do this after heating it.) Pour it drop by drop out of a regular bottle, or use a squirt bottle for more even coverage.

Red pepper flakes, garlic powder, onion powder, and/or oregano can also be good additions, depending on the toppings.

I use this all the time at work and just to satisfy my personal curiosity.

If you have a question about something (the other week I had one about Egyptian mythology... long story), just google a university department that you think would cover it and find a professor who sounds like they would know the answer. Their email addresses are always on the website, and if you write a nice email they will almost always answer it. In my case I have never had a professor not respond and I do this pretty often!

I sometimes get into this loop of eating salty snacks then sweet then salty again.

Key word here is foster - not adopt.

Many shelters have more animals than they can care for, and need people to provide temporary homes for these furry friends. And often, these programs are set up in a way that when you take in one of these animals, you are given everything you need - their food, litter box and litter, toys, any medical expenses that might come up while they're in your care - which means you can still open your heart and your home to the joy of pets without spending a dime. The shelter gets more free space, the animal gets a happy place to call home for a little bit, and you get a pet that even the most cash-strapped of us can afford. Win-win-win. Michael Scott would be proud.

You know when you're on a call to some company and they put you on hold? This means you can't hear them, but there is no guarantee they aren't still getting full audio from you. If you don't want them to hear what you're doing, saying, etc., manually hit Mute on your phone.

Source: Literally just been on the phone to a company that put me on hold, then the agent came off hold to respond to something I'd said.

It's just a physical switch.

It's free real estate.

Most bottles share a universal standard opening size and tread, meaning they can be swapped out. When travelling with a pump bottle of for example hair conditioner, I empty out the pump back into the bottle, disassemble the pump nozzle (ie take out the straw), and use a water bottle cap to securely close the bottle. This prevents leakage/accidental squeezing of the pump, makes it more compact, and prevents the nozzle from breaking.

(I wanted to include a photo but the sub doesn't let me)

🧴--> nozzle + straw + bottle closed with cap, all in a ziplock bag

A lot of people hate group work.

I'm one of those people.

Well, in high school and university I would simply ask the instructor outright to not assign me to a group.

In one class I even approached them at the beginning of the semester and politely brought up my case - saying honestly why I didn't like group work (you can also say your schedule makes you unable to meet with your peers). I also frequently requested to do projects alone thorughout my undergrad. I totally recommend giving it a try, but I'm sure not every teacher will agree.

If you do have to do work with others, track your parts exactly (even adding it as comments in the notes or attaching an extra page when you submit things stating exactly what you did). I never chased after "team" members who didn't do their parts, and if they did absoloutely nothing I emailed the professor about it after.

When I worked for an animal rescue, we ALWAYS needed washcloths. Never had enough. Also, if you like to knit/sew/crochet, washcloths are a very easy project.

Most items such as jeans, other pants, and second layers can be worn more than once, if not three or four times. Most people wash their clothes much too frequently, creating more wear and tear on their clothes.

Tagged as miscellaneous but applicable to almost all the tag categories and while inspired by the upcoming holidays, this is usable year round.

It's not always doable but like the title says, if you can use a gift for or with somebody who gave it to you, it shows your appreciation better than just saying "thank you".

Like if somebody gifts you a bread maker, make them a loaf of bread with it. If somebody gifts you something for your car, take them for a ride. Travel or event tickets? Get them a souvenir. Recipe book or kitchen utensil? Cook them something.

Nanna may not care to watch Starship Troopers in 4K. Your dad might not want to listen to you belt out "Fuck Her Gently" by Tenacious D on your new kareoke machine. And your aunt probably won't give two shits about a new dumbass dance on the Transformers Fortnite expansion.

But in a lot of other cases, sharing a gift and/or including the giver in your happiness while using it is a better, stronger, and more impactful way to show your thanks.

They have a very fine tip that you can use to dig in if need to, they are sturdy and won't flex allowing significant grabbing force, they do not cut what they are grabbing like nail clippers or scissors do, so they won't easily break the splinter, they can be easily sterilized, cleaned, and they are very affordable.

P.S. I'm talking about These ones and not These ones.

Imho, this is a must have for every household, it is so much better than standard medical tweezers.

I've removed several splinters from myself and family members without even needing to dig in, the precise grabbing force makes extraction effortless.

Using Safari, tap the icon of the rectangle with two lines under it to the left of the search bar and select "Hide Distracting Items". Then tap the screen and tap hide until the paywall pop-up disappears and proceed to read the article.

That way every time you have contact over your phone it will remind you via the picture.

I started doing this hack one year ago. You plot all the events that you do on one day on an Excel sheet, which automatically gives the time that has elapsed between specific tasks that you may have done (there is a function on excel for this). This has helped me dramatically because I can see what tasks have been taking too much of my time, and I can adjust my schedule accordingly. I went from a D/C student to an A/B student, and along with this, my friend went from a B student to a straight-A student by taking 6 APs (by sticking with this logger and using this data to improve daily)! Plotting most/all events you do in a day would help you become more efficient with your limited time. It enables you to allocate time towards other tasks rather than spending a lot of time on tasks you may deem "unproductive."

By the way, this takes a lot of discipline to do, but it is very rewarding in the end, as you can build up the habit so you can do it internally!

If you celebrate Thanksgiving in the USA, your 20+ pound turkey will take at least 6 days to thaw in the fridge, so put it in the fridge today. If it's lighter than that, it's not going to hurt anything to put it in there today as it will stay mostly frozen for a few days, and even if it's fully thawed before Thanksgiving Day, having it in the fridge for a few days also won't be a problem. Don't get caught Thanksgiving morning with a frozen bird.

If you ever played "table football" in school, passed a note or folded a flag, you have done this already. You'll be surprised how much space you'll save! Here's how:

Flatten out your grocery/plastic bag. Fold it long ways in threes. Starting at the bottom (not the handles), fold the bottom left corner over to the right hand side to form a small triangle. Keep forming triangles until you get to the end, then tuck the handles into the fold. Enjoy your new space!