Personal Finance If the only reason you pay for Amazon Prime is because of 2-day shipping, there is a good chance it's a smarter financial move for you to cancel it than continue. |
- If the only reason you pay for Amazon Prime is because of 2-day shipping, there is a good chance it's a smarter financial move for you to cancel it than continue.
- I filled out a W-2, but on payday my boss hands me a personal check and tells me she wants me to fill out a 109-9. I am planning on quitting today because it's shady. HELP!
- Got a new job opportunity with more income, but my current role has great benefits.
- I work helping clients everyday day
- Can I afford $1,100 rent on a $45k gross salary?
- Always double check your pay stubs. It really paid off this week.
- If you've recently purchased a home you're going to get TONS of borderline-scam junk mail. Read what you get carefully!
- Rich in money not in time
- Internet's been out for four days, when I try to get my money refunded for the four days it's been out I get hung up on or put on hold for two plus hours.
- Just received a $1/hr raise after 4 years... can someone help me figure out how to request an appropriate cost of living wage increase?
- Did I make a terrible mistake in buying a condo??
- Lost money talk on YouTube
- Just got married - What are we doing wrong and how can we improve?
- I am maxing out my 401K and IRA, how do I generate interest with my savings and extra money?
- Bad credit = no job
- How do you manage day to day banking with your spouse?
- Should I consider a Refi on my car?
- Changed jobs 3months ago. Now a subcontractor. Have $150,000 in a 401k still from my previous job. My new boss don't offer any retirement. What should I do ?
- Liquidating stocks to help with downpayment?
- I just got health insurance today.
- How to advise my mother who is $3X,XXX in debt to the IRS for back taxes
- Seeking budgeting and saving advice, heading towards unemployment.
- I was told that leasing a vehicle is a bad investment as compared to buying a vehicle, is this true? Can someone point me on the right direction as to what would be the best option in regards to acquiring a new vehicle.
- Considering bankruptcy, I don’t see any other options. ~$35,000 USD total debt. Bulk of info in description. Long, lots of detail.
| Posted: 04 Oct 2018 05:52 PM PDT This got removed from r/lifeprotips so let's see how it goes here... I've paid for prime since it was available, and lately I've noticed it's gotten increasingly worse with shipping. FYI - Prime doesn't mean you will get an item in 2 days, it means you should get the item 2 days after it ships, and there will often be multiple days between order and ship date meaning a $119 prime membership often gets items delivered to your door 3-5 business days or more after you order. Edit: They also no longer offer a 1 month prime extension for shipping errors Example
Look at how often you purchase, how quickly items are delivered, and decide if that's worth paying $119 for. If you only have it for the 2 day shipping there is a good chance it's not, especially when you consider many other online retailers carry the same items and now ship free with Walmart (I know they're the devil but it looks like Amazon might be too) even offering free 2 day shipping on many items without an extra membership fee. [link] [comments]  |
| Posted: 04 Oct 2018 08:18 AM PDT UPDATED AND RESOLVED! No need to continue replying. Not sure how and if I can update the title of my post... Wow I honestly didn't expect to get this many replies or for this topic to be so controversial. Maybe it's because this involves both a financial and moral stance? Well anyways, thank you to everyone who provided advice, personal experiences, and educated information. I walked in, kindly let my boss know I wanted to resign, and walked out. We were always polite to each other, so she guessed that I was uncomfortable based on my uncertain reaction on Tuesday. She has offered to compensate me for the days I haven't been paid yet. Overall it was a civil resolution. Based upon comments on this post, I will likely list the $200 under "additional income" when tax season comes around and be done with it. I have GAD and was freaking out about this more than most people would (hence the commenters telling me I'm making a big deal about it and to stfu lol), but hearing the support/affirmations from you other commenters has really helped. Thank you again so much for your input and I hope this post is helpful to anyone else who stumbles across this situation! EDIT: I noticed people are still commenting about how I made the wrong decision and lost a perfectly good job, but rest assured, I am fortunate to have another flexible PT job lined up that offers a higher wage, benefits, mileage compensation, and full-time opportunities. They also put their employees on payroll and enforce the necessary paperwork. :D ~ 2 weeks ago, I landed a part-time job at this small, private after-school company for kids. It is only a 6-9 hours a week gig for $12/hour. I live in the Los Angeles, California area. Red flag 1: On day 2, I realized my boss didn't give me any of the typical paperwork. So I confronted her and asked her for the I-9 and W-4. She said she would give it to me at the end of my shift, but when that time came she said she couldn't find it and said she would give it to me my next shift. Red flag 2: After that, she asked if I would just prefer to be paid in cash because "it's easier for me and for her," and that's what she does for other student workers. I'm not dumb and understand that is considered working under the table, so I declined and insisted that I would prefer to be on payroll for taxing purposes. She agrees and says okay. My next shift comes, and I ask for it again. She spends 15 minutes hunting for it and printing it. I'm already a bit suspicious, but she comes through and gives me the forms. I fill them out and bring them my next shift, and she takes them. Red Flag 3: Pay day is on the 30th of the month, so I pick up my check after my shift on the 2nd. At the end of my shift, she brings me to another room and passes me a personal check of ~$200 with the company name on it. I ask what happened since I was expecting a pay stub, and she said that she wants me to fill out a 109-9. I did some snooping on reddit and know that's for independent contractors. She said I am not an employee because I "choose my own hours as a student." But I don't. I listed my availability for when I'm not in school (like any other job), and told me the time that work for my given schedule is on Tuesday, Thursday at 3pm, Saturday at 1pm. She also gives me directions on what the kids need to be working on and dictates the schedule for the day. So in essence I am an employee. I was surprised, flustered, and not sure about what to do. I accepted the check, but have not cashed it out because I don't know how to go about reporting it on my tax return since she didn't deduct SS or Medicare. I plan on quitting today under the notion that I found another job that pays higher and is more convenient (I am in the final steps of interviewing for that job technically, but I just really want out of this place) and that I will work my shift today since I'm not putting in 2 weeks and didn't give a heads up on quitting. I just don't want things to get complicated legally or tell her my discomfort about her essentially tax evading. Any advice on my situation and what to do today and with the personal check would be greatly appreciated! (I'm 22 and a college student). tldr; My boss led me to believe I was being hired as an employee, gave me a personal check, then told me I was an independent contractor. Not sure what to do with my check, how to file it, or the best way to go about quitting. EDIT: Updated to W-4. I kept the term 1099 because that's what she told me (lol), but I understand that it's a W-9 that I would have to fill out! Thanks for the corrections everyone. [link] [comments]  |
| Got a new job opportunity with more income, but my current role has great benefits. Posted: 04 Oct 2018 01:32 AM PDT My current design job is pretty fun, working on a video platform. My team is pretty good, and it's a low stress environment. The benefits are good like an unlimited vacation policy. However, this new opportunity pays $35k more than my current job. I am a single guy with 11 years of professional design experience. $35k more per year No 401k match, I get 4% match now. Two weeks of vacation, I have an unlimited vacation policy now. Working from home, but I have to travel to different customer sites twice a month to NY, and SF. I commute 45 mins to work and back I at my current role. I have an offer being drafted, but I am not 100% on it, kind of nervous about it. Update 1: Some more details. I currently make $105k, and I am 32 years old. Update 2: I am in Orlando, Fl, 35 minutes from our crazy airport, and all the income is before taxes. [link] [comments]  |
| I work helping clients everyday day Posted: 04 Oct 2018 06:12 PM PDT This is going to sound mean, and I don't mean for it to. Most money problems are self inflicted. Everyone thinks they need a big house, or a diesel truck, or an Xbox. I get clients with 33 credit cards maxed out like it's nothing. Stop trying to be something you aren't. I'm fortunate to make good money, and I don't blow it. Everyone can drive older vehicles, everyone can keep a tv for a decade, you can rent games and movies instead of blowing &20-$60, don't eat out every day. The list is infinite, but most of finance problems, are just awful choices of over compensation. Never finance a truck ( or anything) at 20/30% interest. This should be a simple sign that you don't need it. These buy here pay here lots sell you cars for $400 a month, that's a huge rip off. Rent a center places? Same thing. JUST SAVE YOUR MONEY AND LET GO OF YOUR EGO. Edit: to clarify, I have clients that make $10-250k a year. The same rules apply. [link] [comments]  |
| Can I afford $1,100 rent on a $45k gross salary? Posted: 04 Oct 2018 09:18 AM PDT
EDIT: Thanks to everyone who answered! I've talked to the landlords and they are willing to let me do a 6-month lease with the opportunity to renew it at the end. I'll see how it goes, and if it ends up looking like I'm not going to be able to save any money, I'll cut my losses, move into a cheaper place, and chalk the experience up as a life lesson. [link] [comments]  |
| Always double check your pay stubs. It really paid off this week. Posted: 04 Oct 2018 07:54 PM PDT Employers make mistakes!!! Occasionally it's intentional, but honest bookkeeping mistakes happen all the time. A lot of it is automated or done remotely by someone you'll never meet who is responsible for payroll for 100's or 1000's of employees. They don't have the same time or motivation to cross check every line of your pay, but you should! I put in some overtime and was promised a sizable bonus for doing it over the last 2 years. I usually get a "bonus" anyway for doing night shifts, so every check already said bonus. I did not bother to do the exact math... until yesterday. I found out that 1000's of dollars had not been paid as promised! I brought this up to my employer, siting all the times when a bonus was offered (keep written records of these conversations/offers), and he found it was not paid out because of a software error in our scheduling system. He immediately apologized and said it will be paid next pay cycle. Even better, he found another time I did not account for and is adding that into the sum I thought I was owed. Even if you're an employee and don't own your business, you still need to manage your business. Make sure you understand everything you are owed, and everything being deducted from your gross pay. If it weren't for communities like this educating us about how to manage our finances I probably would not have put the effort into running the numbers. Thanks again r/personalfinance! [link] [comments]  |
| Posted: 04 Oct 2018 06:10 PM PDT My wife and I just closed on our home around a month ago. Among the actual payment books and documents from our lender, we've already received several "official" documents trying to get us to buy crap like mortgage life insurance. These aren't just obvious ads either, they are outright deceptive. Today we received a letter that had our lender noted on the address line "Lender: XXX bank" and the top of the letter says something like "Mortgage Information: Please complete and return" When you're busy getting settled into your new home it's easy to miss things like this. Read everything you get carefully and don't be afraid to call your bank or closing company if you have any questions about your loan, title, etc. [link] [comments]  |
| Posted: 04 Oct 2018 05:26 PM PDT My wife and I are doing great financially, we're saving about 50% of our income and have all our ducks in a row there. Coming both from poor homes we are bad at spending money but with our second child on the way, I am willing to spend money to free up some of our time for each other. I wanted to ask the folks here on things they spend money on that gives back some time. Right now I'm considering:
Those two tasks would give us back about 4hrs a week. I'm just curious if others have thought about this and what they're doing. [link] [comments]  |
| Posted: 03 Oct 2018 08:31 AM PDT My internet provider is Charter. Unfortunately it's a monopoly in the area and the only internet provider in the area that works part of the time. Well my internet's been out for four days. The first day I called and asked how to fix it a robot voice told me that there is a service outage in the area. Ditto the second and third day. Today I was a little more annoyed. I need internet for work and I've had to go to a local coffee shop to do work. So I called and they said there's a service outage in my area. I called billing. The first time when I asked if I could have my money back for the three days they hung up on me. The second time I called asked the same thing and they left me on hold for two hours. Is there anything I can do to get my money back? edit: Because this blew up let me say. This wouldn't be as big of a problem for me if they'd just fix my internet. I feel like four days without getting my internet fixed or even getting a human explanation is a little crazy. I did get a response back from twitter now I'm just waiting for someone to call me and hopefully come out and fix my internet. Thank you everyone for all your replies. [link] [comments]  |
| Posted: 04 Oct 2018 01:47 PM PDT I live in Blacksburg, Va and just received a raise for $1/hr. I feel like this is kind of a slap to the face. Can someone help me figure out what an appropriate cost of living adjustment would be today compared to 2014? [link] [comments]  |
| Did I make a terrible mistake in buying a condo?? Posted: 04 Oct 2018 05:23 PM PDT Hi all, This is my first post ever and I'm a bit nervous but need to get this off my chest. I've learned a ton from this sub- thank you for all the wisdom you've shared! My question is basically, did I fuck up? I've been living in the SF bay area (Oakland) for about 10 years. Had a rent controlled, month to month lease, 1 bedroom apartment in the best neighborhood but I felt pressure to buy because of thoughts like "I'm wasting money on rent; I'm too old to be renting (33); I'm missing out on an investment and will get priced out if I don't act now; what if something happens and I get kicked out of this place and have nowhere to go." Even though I was really happy where I was, I started seriously looking at real estate. I ultimately had my offer accepted on a similar 1 bedroom condo walking distance to my rental. Offer got accepted. Instead of joy I felt nothing but dread. Tried to back out but my agent pressured me to continue and fed on my fears of staying in a rental/not finding a better deal, so I forged ahead. I moved in about 5 months ago. You could say that I'm one of those 30% of millenials who regret buying. The apartment is fine, a step up in some ways from my old place (dishwasher, balcony), but down in other ways (older building, noisier street). Overall, the weight of owning gets me down. The HOA funds are not where they should be and common areas leave much to be desired. A renovated unit in a nicer building opened up while I was in escrow and sold for about the same as mine, so I think about how I should have gone for that one instead. I've been told I have to wait at least 2 years to sell, otherwise I lose money. Even then, getting the timing right on selling and buying at the same time sounds overwhelming. But so does the thought of getting stuck in this condo for the next 10 years if the market tanks. What do you think about my situation? Would you have done the same? What do you suggest I do moving forward? Just FYI: my rent controlled spot was $1900/mo and my mortgage + HOA is about $2200 (purchase price was $450k). Taxes will be about $5k a year. I make $105k/yr, and have about $130k in savings (I know I should invest this, but that's a story for another post). Thank you! [link] [comments]  |
| Posted: 04 Oct 2018 07:52 PM PDT A few months back I was watching a YouTube video that was a lecture about money. It looked like it was recorded on VHS so maybe 90s or 80s. The speaker was a guy in his late 40s or 50s, big but not fat and wearing a suit. The talk definately seemed to be 50% money advice and 50% comedy - it was entertaining enough to watch a couple of times but now I lost it! it's a long shot but wondering if anyone here might know who I'm talking about! [link] [comments]  |
| Just got married - What are we doing wrong and how can we improve? Posted: 04 Oct 2018 02:18 PM PDT Hello, My wife and I just got married in September. We've been budgeting together for over a year, but I think we are missing out on opportunities and perhaps just flat out wrong in where we are putting our money. Any advice you all can give would be greatly appreciated. We are both 25 years old, living in the Midwest. Here's our ASSET situation:
Here's our monthly EXPENSE situation:
Here's our DEBT situation:
We currently tackling the debt using the "avalanche" method paying off one of the $30,000 first, then moving to the next $30,000 loan, and so on. Am I missing some huge glaring piece of our puzzle anywhere? Should we try and buy a cheap house in an okay-ish neighborhood to reduce our "rent" cost (could have a mortgage payment with insurance as low as $500 and I'd still be able to bike to work, but we'd live in a sh*thole)? Should we stop our 10% savings rate and put it towards debt instead? Should we pilfer some our savings / emergency fund to pay down debt faster? [link] [comments]  |
| I am maxing out my 401K and IRA, how do I generate interest with my savings and extra money? Posted: 04 Oct 2018 05:04 AM PDT My mom says I am at a point where I should start investing. She says invest in mutual funds but I don't know where to begin. I am 26, make $55,000 /yr, have no rent, and I pay $450 for my car each month($50 over because I am confused if my monthly is $395 or $405 so I just pay more to eliminate guess work). [link] [comments]  |
| Posted: 04 Oct 2018 03:31 PM PDT My better half is under the impression that he won't qualify for a job because of his student loan debt, not filing taxes for about 8 years, and abandoning a mortgage. He is extremely intelligent and was a former judge, detective, and VP for a tribal gaming agency. I have told him to apply at places like home depot or a city job but always comments that he won't qualify. Is it really true? [link] [comments]  |
| How do you manage day to day banking with your spouse? Posted: 04 Oct 2018 07:03 AM PDT So, I'm getting married. I'm excited! But now, I feel like we have to figure out how we're going to manage our joint finances. We've lived together and up until now, I've paid all of our day to day expenses - she's been in school, and is just starting full time work. I'll be making about 50% more than her out of the gate, but she'll surpass me in a few years. The easiest way feels like just getting both pays deposited in to one account, paying al of our bills, putting a bunch in to shared savings, and then splitting our "guilt-free spending" in two. How do you guys manage joint finances, both practically and logistically? [link] [comments]  |
| Should I consider a Refi on my car? Posted: 04 Oct 2018 06:34 PM PDT I got my car brand new (only 15 miles on it!) in October of last year and got a pretty good deal on it. Traded in my old car for 200 (honestly didn't think I would get anything for it) and no money down other than that, My payments are 350.73 with 2.90% APR and I have 20,173 left to pay. My credit at the time of getting the car was probably around 640 and now I have around 690. Could I get a better interest rate? Or should I stick with what I have? Thank you :) [link] [comments]  |
| Posted: 03 Oct 2018 09:37 PM PDT |
| Liquidating stocks to help with downpayment? Posted: 04 Oct 2018 04:32 PM PDT How bad of an idea is it if I were to liquidate stocks to use in addition to my current savings as my downpayment for home? I understand that I'll have to pay taxes on it but not sure of what else might pop up in the process of doing so. Edit: All of my holdings are currently at 167% gains... Im not in rush to liquidate it as im only planning to purchase a home in the near future (1 year out). [link] [comments]  |
| I just got health insurance today. Posted: 04 Oct 2018 04:18 PM PDT Since i did not have it for 10 months of the year do i still get penalized? [link] [comments]  |
| How to advise my mother who is $3X,XXX in debt to the IRS for back taxes Posted: 04 Oct 2018 05:43 PM PDT Hi all, Thank you for your time. My mother owns a small business where she cleans houses and makes about 30-35k gross per year, but hasn't been paying taxes, although she is filing and has had an installment agreement with the IRS. As a result, she is roughly 33k in total debt to the IRS for tax years 2013-2017. She is overwhelmed with how far she's sunk into debt and earlier this year she thought it would be a good idea to hire Optima Tax Relief to help settle the old debt, but as far as I can tell they are just a black hole for her money and I feel compelled to tell her to stop trusting them. When she gave Optima power of attorney they advised her to stop paying the IRS completely, and that Optima would handle all communication with the IRS but she still gets letters from the IRS, including a recent one saying they had intent to levy... I spoke with a CPA (one of Dave Ramsey's endorsed local providers) in my area who highly recommended she pay the taxes back if able, but informed me there if she were set on attempting to settle it, there is a local tax attorney that has had great success with people in my mother's situation. A little more about her: She filed for bankruptcy in fall 2016. This is complete, and she is no longer dealing with it. She does not own a home or property. She owns a 2005 car worth $500-$1500, no payments. She does not have any money in the bank or saving of any kind. She does not have any retirement. She is not employed anywhere else, all income is in cash or checks from customers. The business itself is legit with the city. Licensed, insured etc She and I had a free consultation the tax attorney this afternoon and he said it would cost $2500 to go through the "discovery" phase and he would do an in-depth review to determine if she would be a good candidate for his services. If so, it would be $1000 more for him to take on the case. If he is able to get the debt settled it would cost even more, but he didn't go into details on how much. He did say that generally he will not take on a client who owes $10,000 or less because it wouldn't be worth the clients' money, so I can deduct a guess from there. Moving forward she is aware she needs to start sending in monthly estimated payments for taxes so they she can start to get out of this mess but by my estimation of her budget it will take 80-90 months if she is strict about it. This budget includes staying current with taxes, while funneling all extra money toward the old taxes. Questions: 1. Would you advise her to stop working with Optima? 2. Would you advise pursuing tax relief anywhere, or just start chipping away at the old debt while staying current? 3. What should she communicate with the IRS? Can she easily negotiate a new installment agreement with them? 4. The IRS "levy" letter freaked her out, but what could they possibly do to her, given she has basically nothing to take? 5. Her bank account where she puts her 'income' has been being used her personal account as well. I feel like she needs to start separating her business and personal finances and leave the DBA account for just the business. Should she fear the IRS will take any money they see in either account (even if it's just a very small amount) We are open to all advise. Thank you again very much for your time. Edited to fix formatting [link] [comments]  |
| Seeking budgeting and saving advice, heading towards unemployment. Posted: 04 Oct 2018 03:44 AM PDT Hey PF, I'm seeking some mentorship in regards to personal finances for my wife and I. First I will start with some background information. I'm 26 and in the military. I'm an E5 paygrade and have a NET income of $4000 a month. My wife is 23, has a bachelors in hotel management and makes $16.50 an hour as an assistant manager in a hotel. She averages 15-25 hours of overtime per pay period and pulls in ~$2700 a month, sometimes more, sometimes less. That is the average. She currently has great upward mobility. I joined the military with $20,000 of college debt and no degree to show for it. I had 3 accounts in collections as well. All of that has been paid in full. My current credit score: 650 Her score: No credit history (She moved to USA 2 years ago) We have a stable monthly NET income of $6700 a month. We currently have $20,000 in the bank. Just sitting in a checking account. Debts: I owe $19,000 on my car, 5 year 6% interest loan. Monthly Expenses: Rent - $1400 Car payment- $368 Car Insurance - $225 Gas - $200 Braces (12 months left) - $200, (no interest) Phones - $180 Utilities - $120 Puppies (Food, insurance, other) - ~$60 Subscriptions (Netfllix, Prime, Spotify) - $40 Car maintenance - ~$50 Internet - $60 Flexible misc spending budget (dates, entertainment) - $400 Total monthly expenses: $3550 Total NET income after expenses: $3150 My car expenses are very high. I commute 120 miles per day. There are no hotels near my work. We chose a location that is a 5 minute walk for my wife to get to work. So she has no travel expenses at least. Rent is also high, because we chose an apartment in the heart of the city by her work. In April of 2020 I will finish my contract with the military. I'm enrolled in a Military Microsoft Academy during the final 6 months of my contract that guarantees an interview in Seattle with Microsoft to work as a Cloud Systems Developer with a starting salary of ~$80,000. If that works out awesome. But I need to plan for if it doesn't. Based off of our current budget plan, I should leave the military with ~$70,000 saved as long as we stick to the current budget, and nothing crazy or extreme happens. I would definitely pay off my car. Leaving my ETS goal at ~$50,000 debt free, but with no retirement whatsoever. Neither one of us have any type of retirement. How should we allocate our funds to set up for a more secure future? I want to ensure we have a solid emergency fund for when I become unemployed and go back to school. My NET income will drop from $4000 a month to $2400 while I attend university. All tuition, fees, and books will be covered by the GI Bill. We have no immediate plans for children or purchasing a home. Those would be 5 years out minimum. Any advice, mentoring, or input would be much appreciated! [link] [comments]  |
| Posted: 04 Oct 2018 09:14 AM PDT Edit: Thanks for the answers! Such great responses in a short amount of time. Going to say I'm satisfied with the responses. Thanks again! [link] [comments]  |
| Posted: 04 Oct 2018 02:44 PM PDT 25 yr old, live in East Montana. I lived in Minneapolis from Jan 2012 - August 2017. I was a full-time student for 3 years, accruing ~$15k from credit card debt to pay regular bills, and ~$20k from federal student loans. The credit card debt is spread out between 3 cards and a personal debt consolidation loan. So long as I lived in Minneapolis, I could make payments and was doing fine, figuring I'd finish with a degree, a career path, and be able to pay off my debt (like most American students do). All aspects of my life fell apart in the space of 3-4 months leading up to me moving back home last August. I lost my girlfriend of 2 years to someone else, found out I needed another year or two of school to get transferred to my school of choice due to a terrible advisor putting me on a bad path, and lost my landscaping job. In short, everything was fucked, so I moved back home to try to reset. I floated between jobs for a couple months, finally landing with the one I have now. I make $1,600 a month, and after working here officially for ~6 months, the only "assets" I have are those I brought back from Minneapolis, a ~5 yr old macbook, my car, my phone, clothes, and the minimum furniture needed to live I've purchased since. The highest possible value of absolutely everything I own is ~$3,000 including all furniture, clothes, etc.. $1k for car (dying, has 155k miles, transmission is starting to go), $500 for laptop, $500 for phone, and $1k for furniture, clothes, etc.. Total expenses a month are about $1,300 with rent, phone, utilities, food, car repairs/insurance (alternator died, timing belt needed swapped, etc), and not including any debt payments. Mentally, I've struggled with suicide for the past year, and can't even really afford help there. I'm considering bankruptcy to help financially at least a little, as I don't see any other options. There isn't a better paying job for me around here, a part time job isn't feasible due to a non-set schedule, and I can't take the phone calls, letters, emails, any of it anymore. Idk what to do or who to ask. [link] [comments]  |
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