Her snaggletooth is like a rainbow. It doesn’t appear every day, but when it does, it’s delightful.
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Haha! The tooth is quintessential pug beauty! She’s a gorgeous little friend.
I retired 9 years ago - it’s so great. Sounds like you are seizing the day.
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I love the little friend in your profile photo. What a dynamite smile.
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Welcome to you, and please tell your dog I love her. My moms pup also has a snaggletooth!
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Welcome @Minerva and snaggle tooth queen Minerva!
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Thank you for the warm welcome, everyone. I have two questions. I love being a cooperative citizen on forums. In this forum, is it more common to reply to every comment individually, to respond to multiple comments in one reply, or to just hit the 
button to avoid cluttering a thread. Or is there no pattern?
I’m afraid I made my living recognizing patterns, and it just. never. stops.
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Nah it’s whatever you wanna do, no set pattern here.
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Follow your heart. 
I personally often use the quote function to make one big reply – if you select text in someone’s post, a little quote button will pop up and if you click it, the text will insert in a quote box in your text. It feels less cluttery and like I still get to respond to people’s thoughts. Sometimes I do direct replies, sometimes lots of s, it all varies.
But really, follow your heart.
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Thank you for the suggestion and the instructions. I love knowing how to do stuff!
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Depends by person. I’m a borderline hot mess express and suck at replying to people, so the heart it is other people are better at actually replying. There’s many of us in either camp I think.
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It also depends on time of day for me. I’m less chatty first thing, usually, and can’t be bothered to make my thoughts coherent first thing in the morning. Or if I’m about to do something then come back later and the conversation moved on, or I just forgot.
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I tend to be a motormouth text wall experience. I’m trying to create healthy boundaries. Nice to meet you. 
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For me it depends on whether I’m at work or not - at the office with a full keyboard, I’ll respond more fully, on phone, heart it is!
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Live your best life.
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hey all !
I’m Carlos from Torrance, CA. banker by day, budget nerd always. here to learn and swap tips on saving, HELOCs, and keeping money plans simple. excited to hang out here. what should I read first?
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Welcome Carlos! Do you mean what should read here first? Or generally? I recommend JL Collins blog for general personal finance, more succinct and straightforward (and less preachy than Mr Money Mustache).
I have no idea what it’s like to be a banker, if you want to talk about that. I do have strong opinions on predatory behaviors in banks like BoA and Wells Fargo.
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Welcome! What things do you care about in life? Any hobbies, pets, etc?
We were very happy that we were able to cash flow our renovation but it was nice to know we had the heloc as a backup.
Of course you could start in the humour threads, but that would take a while if you were reading everything
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Greetings! I have been reading along for a while, so I should introduce myself. Long time listener, (nearly) first time caller, etc.
From reading around it feels like my experiences are pretty on-par for this board. I am middle-aged with a precarious job and a mortgage in a VHCOL area that I try not to think too much about. I’ve experienced fairly significant class mobility and have had to learn everything about finances from scratch.
My spouse and I have lived in three very different parts of the US and were in Europe for a while, living the glorious international relocation lifestyle. Alas, the corporate hand that giveth also taketh away, and we were booted very unceremoniously back to the US.
When I am not working (okay sometimes when I am working) I read a fair number of books, but almost never anything that anyone else has read. I take a lot of pictures. I am a very good knitter, but find it paradoxically to be a very consumption-driven hobby so I do it less and less. I try valiantly, with various success, to defend my garden from an endless stream of herbivorous creatures.
Nice to meet you!
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Welcome - thanks for introducing yourself.
Rabbits and chipmunks are our main garden pests.
What genre of books do you favor? I read mysteries, preferably cozy mysteries.
Any pets?
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