Can anyone please tell me how I can use my active payment receipt to book my F1 appointment? On the "Payment Details Access" page, it still says Total Collected "0.00 INR (0.00 USD)" and it is asking me to pay again. I want to use my active payment receipt to book my F1 appointment.
Payment Month: May 2024 Payment mode: VFS UPI
What I have tried so far;

1. Tried selecting payment method but it did not pick my active payment: https://www.reddit.com/USVisas/comments/16fij3a/comment/k0o5dn5/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button
2. Calling Embassy Helpline (x5)
3. Creating support tickets (x5) - Response: "In response to your question, the issue regarding the receipt have been resolved. Kindly login to profile and try again, if the issue persists request you to send the screenshot of the error message."

Nothing has worked so far. I have tried to close and create a new application but no luck. I have been trying since the last 2 weeks but have not been able to use the payment I made this month.
Please help.

I am in serious need of guidance on a post breakup dating issue. A serious boyfriend (30) (Hank) and I (32) were together for 2 1/12 years and lived together for 1. We broke up in almost a year ago semi-amicably but stopped speaking 5 months ago.
Cut to now, I matched with a former co-worker of his on Hinge (Ben). Hank was “laid off” from that job in May 2023. However, they worked on the same team, interacted frequently while they worked together, and follow each other on Instagram but they do not have contact after Hank left that job (to my knowledge). My ex never liked Ben and would talk shit about him to me during our relationship so I aware of their relation to one another.
Do I mention this to Ben at all or not? We have plans to get drinks later this week and I am conflicted. Hank is my ex and irrelevant to either of us since they no longer work together and haven’t for some time. On the other hand, it feels weird not mentioning it because I am allowing this guy to talk about himself and his job, some of which I already know via my ex. I had been playing dumb but he has since said where he works and the team/area of law he is in within the firm...not to mention I have his first and last name and he is easily google-able.
I don’t want to come across as a crazy ex that is dating my ex-boyfriend’s former associates but I also don’t know that I owe him anything. I also want to give Ben a chance to bail if he thinks it’s strange. Keep in mind, when Hank and I were dating, I had gone to a few intimate dinner parties with partners and associates of the team but Ben was never there.
When is an appropriate time to bring this up?
P.S. (Read for additional background if interested + additional question:
Should I even pursue this at all? The chance of my ex and I getting back together is just about 0% but I low key still love him and in my delusional mind if I managed to really get my shit together maybe some fay we could...and I think that this would be something Hank (my ex) would find messed up as he feels as though Ben took his job from him (however unwarranted). I can't be certain but I think he may have even said it would bother him if we were to even break up and I were to start dating Ben. That being said, I know that they sexted while we were together (we had an open relationship but still). Additionally, I don't know where my ex and I even stand. I am assuming it isn't on good terms because he blocked my number (presumably because I called him a couple times post 3AM when I was drunk/high but I was messed up in the throws of a break up and that's typical toxic bs). I'm taking it to mean he is so over me and doesn't want to deal at all, thinks I am a mess, and couldn't care less. So more power to me? Part of me thinks, and hopes that he blocked me because he knew it was over and had to just make a clean break (I had heard he was having a bit if a life crisis shortly after our break up...not just bc of me but not nott bc of me)....I say this because for a few months after our break up we would text. Just about this and that. Nothing necessarily of substance but just little things. Also, right before he blocked me he had messaged me pictures of our old apartment and said "do you miss it?"...I think he was trying to reminisce but I'm not sure because I didn't respond, didn't plan to, and then called him drunk at 3AM. He didn't answer but then the next day when I texted him to apolgize for calling late (because I knew he hated that) he had blocked me and I found out he dropped off my childhood decorations at my brother's house rather than at mine.
Soooo it's over. I just can't help but hesitate because he did mean a lot to me and frankly he had some legit reasons for the break up. Not that I was cheating or anything but I was using drugs behind his back, which he was unaware of exactly but the affects of my behavior had repercussions (i.e. not wanting to have sex, being lazy, not being a proactive partner, not working out, etc.)....It's hard to say but I took it for granted..He was not saint either to be honest. He pushed for an open relationship that I didn't want but agreed because I was in love with him and I loved our connection.
Ok, I'm sorry. I got off topic. The question is - do I mention to this new guy that I used to date his former coworker? When do I bring it up, if at all? I had planned on playing dumb but feel as though I no longer can because it's been made crystal clear that they worked at the same company, at the same time, in the same group.

Embarking on your solar journey is an exciting step towards energy independence and environmental responsibility. But the process can be daunting, especially when it comes to getting quotes and choosing the right solar installer.
To help you navigate this crucial phase, we've compiled essential tips, drawing insights from competitor analysis and the experiences of countless homeowners.

1. Do Your Research Before Requesting Quotes

Before diving into the quoting process, invest time in researching the solar landscape.
​

• Understand the Basics: Familiarize yourself with solar technology, the different types of panels and systems, and how solar can benefit your specific home. This knowledge will empower you to ask informed questions during consultations.
  
• Check Your Roof: Assess your roof's suitability for solar panels. Consider factors like orientation, shading, and size. If your roof isn't ideal, explore alternative options like ground-mounted solar or community solar programs.
  
• Financial Incentives: Research available local, state, and federal incentives, such as tax credits, rebates, and net metering policies. These can significantly impact your solar investment's financial viability.
  

2. Gather Multiple Quotes

Don't settle for the first quote you receive. Instead, aim for at least three to five quotes from different solar installers. This will give you a broader perspective on pricing, system options, and company approaches.

3. Compare Quotes Carefully

​

• System Size and Production: Pay close attention to the proposed system size and its estimated annual energy production. Ensure it aligns with your energy consumption needs.
  
• Cost Breakdown: Examine the cost breakdown carefully. What's included in the price? Are there any hidden fees or additional costs? Look for transparency in pricing.
  
• Warranties and Guarantees: Compare warranties on panels, inverters, workmanship, and performance guarantees. A good installer will offer comprehensive protection for your investment.
  
• Financing Options: If you're not paying cash, explore the financing options offered by each installer. Compare interest rates, loan terms, and monthly payments.
  

4. Vet the Installers

Beyond the numbers, it's crucial to assess the installers themselves:
​

• Experience and Reputation: Look for established companies with a proven track record in the solar industry. Check online reviews and ask for references to gauge their reputation.
  
• Certifications and Licenses: Verify that installers have the necessary licenses and certifications, such as NABCEP (North American Board of Certified Energy Practitioners) certification.
  
• Customer Service: How responsive and helpful is the company? A good solar installer will prioritize clear communication and exceptional customer service throughout the process.
  

5. Ask the Right Questions

Don't hesitate to ask questions during consultations. Here are some key inquiries:
​

• Can you explain the technical details of the proposed system?
• How do you handle permitting and inspections?
• What kind of ongoing maintenance and support do you offer?
• What is your estimated timeline for installation?
• Can you provide references from previous customers?

Read More: What Is The Power Output Of A Solar Panel

​

FAQs

• How long does it take to get solar quotes? Typically, you can expect to receive quotes within a few days to a week after your initial inquiry.
• Should I choose the cheapest quote? Not necessarily. The cheapest quote might not always offer the best value. Consider factors like warranty, equipment quality, and installer reputation.
• What happens after I accept a quote? The installer will handle the permitting process, schedule the installation, and guide you through system activation and net metering enrollment.
• Can I negotiate the price? Yes, it's often possible to negotiate with installers. Don't be afraid to ask for a better deal or compare offers from different companies.
• Do solar panels require a lot of maintenance? Solar panels are generally low-maintenance. Most require only occasional cleaning and an annual inspection.

By following these tips and asking the right questions, you'll be well-equipped to choose the best solar installer for your needs and secure the best possible deal for your solar investment.

I (29 F) lost my fiancé (29 M) almost 4 months ago, suddenly. His brother’s wedding is coming up and I’m in the party. Do you have any advice on how to get through the event? How do I prepare so I don’t drown in a puddle of my own sadness? How can I find support without drawing attention/making it about me?
We were supposed to get married next summer and I am so full of so many emotions but I want to be present and help celebrate this family that I planned to be part of and still want to be. I also don’t want to make myself suffer unnecessarily/do everything I can to help myself through.

Hi all,
I'm now 12 moths post-op, and have lost a staggering 57kg! Way more than I planned or hoped to achieve. I had fairly major post-op complications being VRE (hospital infection), and the surgeon managed to nick my liver whilst in there. I had a sleeve done, but had to go back under approx. 20 times for them to clean out infection etc. I spent 6 weeks in hospital and lost 20kg's in that time with multiple ICU admissions.
It was tough going.
But, 12 months later - I'm a new person. I'm eating better, more active, taking better care of myself etc. I'm still paying through the roof for my private health insurance, but I'm considering lowering from Gold hospital and extras to just hospital cover only. I'm a health care worker and get free ambulance through my union.
I'm paying close to 3.5k a year for insurance. I have a great relationship with my GP who I see regularly. I'm not planning any other major surgeries, or planning on having children (am very gay).
I'm curious to hear if others hung onto their top level cover, or lowered it after time?

I’ve watched the documentary on Peacock but honestly, I haven’t dug incredibly deep into the details of the case like some of you have. I do, however, have personal connections to some parties involved in this case that have helped me develop a theory about Robert’s death.
As a queer person, I’ll say, it is ridiculous to assume that just because Robert had gay friends that he was gay. But what if he was?
Robert came from a traditional Chinese family where things like homosexuality were incredibly frowned upon.
What if Robert was homosexual, and had been hiding it from his family his entire life? Even going to the extent of marrying a woman (who I am sure he still loved and cared about nonetheless).
What if Robert found out he, like so far too many gay men, had contracted HIV? At least two of the men Robert saw that night were HIV+ at the time, what if he had been intimate with any of them in the past? How would he tell his family? What would he tell his wife? He would have to tell her to keep her safe if they were to continue to be intimate. This was more than 6 years before PrEP came out and HIV/AIDS was still considered by many to be a death sentence.
Perhaps Robert felt helpless and wished to end it all. Suicide would is also considered shameful in many cultures and religions. Maybe Robert was worried his wife and family would feel guilty if he were to kill himself.
What if Robert trusted his closest friends to help him with an assisted suicide? What if he came to them out of desperation to help him end his life on his own terms and make it look like a crime as to place the blame on an entity and not cause any suspicious to his sexuality or disease?
Joe’s brother was in school for phlebotomy at the time of the death, and it was confirmed that he skipped class that night. His alibi was only corroborated by two other close friends who could have easily been covering life him.
What if the five men, together, had a premeditated plan to help their friend end his life and had it all planned out. Joe, the lawyer, of course would plan the story down to the fine details and they would go over it many times before cops were ever called. They could have been planning for weeks it months. What if Robert showed up that night knowing it would be his last. What if the men gave him paralyzing drugs and put him in the bathtub where Michael used his phlebotomy skills to drain Roberts blood to reduce the mess/ cover the use of any agents or drugs used in the process. What if they stabbed him and then realized there was a finger print or something on the original knife so they had to fake a second one that was “clean”.
What if they packed up everything with blood and evidence and bagged it up and Michael left the house to dispose if the evidence before the police ever showed up? What f he was the person that was heard/seen using the back door but it was in exit not entrance? What if the remaining three men all took their showers and put on clean robes before calling the police to report the “stabbing”?

So we've been dating for 11.5 months, in which time we moved in together, met our friends and family, had trips, explored shard interests, and generally had a great time.
In that time, we've had 2-3 bigger fights, but even so they were not that bad: She had a small outburst in public while shopping and I raised my voice when we got back home; I made a joke in public which she was not comfortable with; she said that she was on the fence about having kids mid relationship, but it turned out that was because she is having trouble making longterm plans.
The rest of the time, since we first started talking, we've never spent a day not talking to each other via text or in person, and we never got tiered of it. We both do stuff for eachother: she cooks for us, sometimes I help; I've become tidier and help around the house sometimes (she has a thing for cleaning, but she toned it down); we say and show how much me mean for each other; we keep finding new activities to enjoy together; the sex is the best we've ever had, and getting better; etc.
So what the hell happened?
I was working from home, focused on work (I'm not a workaholic, quite the opposite). After finishing her remote work, she said she's going in the kitchen to put some chips in the oven and make some salads and I said ok and thanks.
Then time passed and she came upset at me, asking rhetorically if I couldn't smell the burnt food. I noticed it then and told her - I guess I got focused on my work, my sense of smell is pretty poor and put it out of my mind, thinking she would handle it. She said she went into the other room to talk to her mother and heard the timer go off (again, something I didn't hear and in all fairness, can barely be heard) but didn't do anything - I gathered she was expecting me to realize and handle it.
I need to mention that at no point did we raise our voice to echother.
I told her that it's ok and soon I'll finish work and help her with the cooking. She was still upset and asked angrily would I still do nothing if the house caught fire. I told her calmly that it wasn't the case. She then controlled herself and walked away, said she no longer feels like cooking, left the salads half done on the kitchen and, when I asked why she was getting dressed, said she went outside for shopping (which she did).
I let her go, figuring it was the best thing to do in the moment. Then, finished my work and called her after to ask what exactly she was planning to cook, so I can do it by the time she gets back. She told me and I told her I'll wait for her at home when she's ready to come back.
I made the food, she got back, I came at the door to welcome her, but she was barely acknowledging my presence and was interacting with the cat.
I let it go and asked if she wants to eat, and she said yes. She made some small talk about the cat, still being very cold, and I asked if she wanted to talk about what happened. She says she doesn't feel that we need to. I said that there is a little need, and she said she doesn't feel like it.
As you can imagine, I was pretty upset by this point, enough that it was starting to show. She proceeded to make small talk again, but I told her calmly that I wasn't interested. After finishing food, I told her I'll be going to the other room to rest and that she's welcome to join me (implied: if she wants to talk about it), but that it's fine if she doesn't (implied: if she needs more time).
Until the end of the day she never came to me and I told her I'll be going to bed, if she still doesn't feel like talking. She said ok and we slept separately.
This morning before going to the office, I asked again if she would like to talk. She said ok, and still coldly, basically the same things she already said, plus that she feels like she isn't heard and doesn't know if she wants to continue pursuing the relationship - my heart sinks.
I tell her that I'm not upset because she got angry (we had a few moments where she would have a quick burst of anger, but we were making progress), but that she was shutting me out instead of talking to me about it, like we usually do (she had trouble opening up in past relationships, and with me it was easier, but not all the time). She said that yesterday I was treating her like a child (???) and that it's best if we continue sleeping separately for a few days so she can rest better (she has some anxiety when sleeping and even slight noises can wake her up), though that's probably not the reason. At one point I asked her what she thought about yesterday while being alone, and she said that she was jealous of a neighbour that has a car and she has to commute (neither of us has a driver's licence, it's harder to get where we live, and we were planning on starting driving school together in roughly a month, after she got used to her new job). When I asked why she didn't use that time to think about our situation, she said that the world doesn't revolve around me.... She also said that she feels the relationship is too much work. I kept asking her what she means, but she just kept saying "i don't know".
Before she left, I told her that we've been happy for a long time, she told me how happy she was with me just the other day and love doesn't disappear in a single day, and that I love her. She said ok. I asked if she could say the same thing, and she said that she agrees that love doesn't disappear in a single day. I asked if she'd like us to at least hug, and she said she wouldn't like it but she'll do it if I need it. I said in that case I don't want it.
Then I changed my mind and told her I'll hug her anyway, before doing so. We cried a little, but she just said bye and left.
That's the long of it. I don't know if it's the external pressure, something I did or didn't do, anxiety because of the future, those damned burnt chips, etc.
She's not a bad person: she's usually very caring and very vocal about how happy she is and how much she appreciates me. She's also smart and tries to work on herself. She's one of only 2 girlfriends I've ever said "I love you" to, and the first one was my first love, ~15 years ago. I'm the first guy she ever moved in with because she wanted to and the first one she ever loved. We're also the envy of other couples with how good we are foto each other.
We both went to therapy in the past - myself in the past, for a few years, which helped, and herself for a few months at the middle of our relationship, which she said helped as well, but not as much as it could have.
We already know we want to marry each other (at least we did) and if we break up, I don't think we can find someone better for us.
TL;DR: We've been like soulmates for the past year but she suddenly got extremely upset/cold and says the rlationship might not be worth it.
I'm lost and heartbroken and I don't know what to do. It all just seems like a cruel joke. I don't understand what happened and I just want us to be happy - what should I do?

Hello I know this has been asked many times but I finally need to do something about it. My credit score has been stuck at the same score (lowish 800's) for the past I don't know how many years. I don't think I've been late on a payment since I was 18 thanks to automatic payments. Right now I have 1 credit card and pay it off entirely at the end of each month. No other bills other than my mortgage.
My brother and I were talking and he said he was in the same situation and what helped him was getting another credit card. I was thinking of purchasing a Mac laptop and instead of paying it off at the end of the month on my current card I was thinking this was a good opportunity to get a second card that maybe has 0% over x amount of months.
First of all is my brother right that a second credit card will help my situation? If so what cards do you recommend? I always hear good things about the Chase Freedom Unlimited. Would that be a good choice? Any help would be appreciated.

So ayun nga! Bigay pa ako ng ibang details kung bakit at paano ako nagduda sakanila ng pinsan nya. Unang una sa lahat his cousin is 16 or 17 that time, while he's 28 💀 I accidentally read their conversation sa Messenger na nag lalandian at nag iiloveyouhan. Believe me, it's not a typical convo ng opposite sex na magpinsan. Kapag nag aaway kami lagi niyang sinasabi or binabanggit out of nowhere yung pinsan niyang yun for example nalang is nung buntis ako LDR kami dahil kaka confess ko palang that time sa parents ko ng pregnancy ko.
quick backstory pa nyan: nung nalaman ko na buntis ako, magkasama kami at we went on a vacation pa. Nung pauwi na ko samin since Cavite ako at QC siya, di niya man lang ako hinatid nun samin kahit alam na niyang preggy ako.
While nasa bakasyon kami nag camping kami pero ayaw nya ako patulugin dun dahil buntis nga ako. Understandable naman pero hinayaan nya ko matulog sa room then siya sumama sa pinsan nya mag glamping sa tent. I was sick pa that time dahil sa morning sickness etc. Dun palang kaduda-duda na and isa pa dyan oapag nasa kanila kami mas gusto niya matulog dun sa kabilang bahay at iniiwan ako sa kwarto nya. But, sinarili ko lang yun lahat. I just started na magsabi nung time na nakapanganak na ko at sobrang gulo na. Believe me, I endured too much because I want to keep him and I badly wanted to have a complete family kasi yun ang dream ko eh, magkaroon ng buo at masayang pamilya.
If you're going to ask me sino nagsabi sakin ng about sakanila? Pinsan nya din. All along parehas pala kami ng hinala, hindi lang ako. Naconfirm nya din kasi ilang beses nya nahuhuli na naka-lock pinto ng silang dalawa lang dun sa kwarto. Well, i don't have choice na din naman that time. Pinatawad ko siya pero sabi nga nila hindi porket pinatawad mo kailangan mong bumalik sakanya. That time pinili ko nalang sarili ko. Ako naman kumbaga kasi grabe na yung trauma, depression, kalungkutan, disapppointments ang naendure ko just to save that relationship at mahal na mahal ko din kasi. At hindi rin kasi ako makapaniwala na, inabandona nya nalang ako ng ganun lang during my pregnancy. I still remember cravings ko ng madaling araw ako din bumibili kahit 2am or 3am na nun at binenta ko lahat ng gamit ko kasi pinagtatakpan ko sya sa family ko na hindi nya ko binibigyan ng pang check up etc. Binenta ko lahat ng meron ako para makabili din paunti unti ng needs ng baby ko at kahit may kakayahan family ko na manganak ako sa hospital, nag decide ako na manganak sa lying in kahit ilang beses ako dinugo at nagka UTI pa ko that time. I protected him kasi ayoko magalit sakanya family ko pero even though nalaman ng family ko yung kapabayaan nya sakin while I was pregnant, my family still treated him like a family like pinagluluto pa siya ng tatay ko etc.
Anyway ayun nga, pinatawad ko siya pero hindi na kami. Co parenting nalang kumbaga, never ko nilayo sakanya anak ko at most of the time kami pa pumupunta sakanila kapag gusto nila makita yung anak ko, sinabihan ko sya at sinabihan sya ng family ko na dalawin nya nalang yung anak ko dito anytime they want. But guess what? HE NEVER DID. NO EFFORT HAS BEEN MADE 😌 But still naging understanding pa din ako at considerate. Kapag may favor sila, laging go lang ako kahit ang laking inconvenience sa part ko..
5 years have passed. Okay okay na ako ngayon though still struggling financially pero napprovide ko naman kahit papano ang needs ng anak ko in my own way. My daughter is almost 5 y/o. Since 2024 came mejo naging gipit ako, kaya kinausap ko siya na baka kung pwede tulungan nya ko kahit 500 a week. YES, 500 a week 💀 nakakapagbigay sya pero laging may pakdaw tas ang reason niya is 'BAKA DI KO KAYA YAN KASI WALA NAMAN AKONG WORK' sabi ko ay ganun. Mga wala pa sigurong 2 months ang ganung set up pero may weeks na hindi talaga nakakapag bigay at napuno na ko sakanya! When my child needed his support, bihirang bihira sya mag deliver. Puro ang naririnig kong reasoning is "Di kasi ako nakadiskarte" ganto kasi ganyan. Alam nyo ba yun? 5 years na nakalipas but he's still in the same position as he were 5 years ago! Walang pagkukusa ng pagbibigay sa anak niya, hindi binibisita. Dumaan ang birthday, christmas, new year. Walang makita kahit anino nya. GRABE.
LATELY NAREALIZE KO NA WTF PANO KO TINANGGAP NA GANUN GANUN LANG SYA MAGING IRESPONSABLENG AMA? BAKIT PARANG AKO PA UMIINTINDI? BAKIT KAPAG KAILANGAN KO NG TULONG NYA FINANCIALLY PARA SA ANAK NAMIN, BAKIT PARANG AKO PA YUNG NAHIHIYANG LUMAPIT? PARANG BIGLANG NABUHUSAN AKO NG TUBIG SA MUKHA NA BAKIT KO INALLOW YUNG GANTO SA LOOB NG LIMANG TAON? GRABE! THE NERVE. GRABE NA YUNG CHAT KO SAKANYA AT ANG HABA NG MGA CHATS KO GALIT AKO AT MAY GUSTO AKO IPAUNAWA SAKANYA PERO HINDI AKO NAG BAD MOUTH. BUT STILL, NO REPLIES FROM HIM. INBOXZONED LANG BUT I SEE HIM REACTING SA RECENT POSTS NG FRIENDS NYA.
KAYA NGAYON, I'M PLANNING NA MAG SAMPA NG CASE SA WOMENS DESK. ECONOMIC ABUSE. Ang gusto ko lang itanong is gano katagal ang process? Paano ang process? Anong requirements na need kong dalhin para masampahan ko siya ng kaso?
NAKAKAPAGOD PALA Bigla akong naawa sa sarili ko na ganto palq ako kq people pleaser na kahit ako na dehado pero ako pa umuunawa at nagpapasensya. Kapagod pala ano? 😅

Haven’t had a breakout this bad in a few years. In my younger days had a lot of hormonal acne, mostly on chin but a little on cheeks.
A week or two ago, started breaking out horribly on chin. Have 7 large pimples, like whiteheads that haven’t come out yet. Not sure the term. And my skin in general is sooo oily lately. Think it’s due partly to weather change and partly due to a change in my vitamin routine. Recently started iron infusions and taking b complex and vitamin d on top of.
Have a trip in a month and want to get this cleared up. But it’s been so long can’t even remember what routine I did before.
I have some azaelic acid that has vitamin c in it and some adapeline. Thinking of doing the azaelic in morning and adapeline at night. Of course sunscreen during day.
Does this sound like a good plan? Or what would y’all’s recommendations be?

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Hey guys I'm planning to shift to Finland for work. I have come across a job in turku finland, the company has asked me to quote a salary range in the email. I have absolutely no idea about the cost of living there . So if someone could help me with a range it'd be great. I would preferably live in a 1 bhk apartment or a shared space with max 3 people. Also I want to consider monthly costs like wifi, grocery, gas, transportation costs and so on. So what would be the monthly costs including all of these? I would like to know a range so that I can quote a number.

I'm signing for my new condo on Wednesday and I'm feeling grateful and excited that I was able to find a home for only 100k, which is less than my annual income. It's a 2 bedroom with a balcony and laundry hookups. The HOA covers water, heating, and cooling. My monthly payment will be $500 less than my current rent + the aforementioned utilities. On top of that, the landlord proposed a rent hike of an additional $300/month which I'm happy to be dodging. The kitchen and bathroom are a bit old but totally functional and not ugly. I'm single and I have no interest in coupling up, so the space is more than adequate for my needs. The neighborhood is quiet and I had the opportunity to meet some neighbors before buying who all said they enjoyed the complex. My interest rate sucks but I should be able to pay off the loan in a couple years since I'm buying way below what the bank approved me for.
I'm originally from NYC and a place like this in a neighborhood where I would actually want to live would easily cost $1.5 million or more. I would like to retire early and that'll be much easier to achieve here.
So yea, there tends to be a lot of doom and gloom on this board with housing costs sucking so much in most places. I wanted to share my story and say that there are still reasonable options if you can swing moving to a more affordable area!

I’m at a stage in my career where I have 5 years of specific marketing experience at a top 10 company. I manage a marketing channel that has grown to over £5 billion in revenue in the last 3 years. So many of the tactics and ideas came from me, I work well with everyone, have a lot of connections, but still my leaders don’t want to sponsor me because apparently it’s challenging for them to switch the location of my role and it’s easier to get a new role.
The teams in the US though are not sponsoring for L1B/L1A visas because they want to recruit Americans. 2 years ago, it wasn’t a problem, but now it is.
My current leaders don’t want to let me go because I am top talent. The US leaders don’t want to wait for 3-4 months on a visa because they need someone quick.
My connections even though they are in high positions have no power to sponsor me because it’s all being controlled by the country leaders and they say no.
I am at a point where my leaders don’t want to let me go, but they can’t do anything about sponsoring me while other leaders I know either don’t have any jobs right now or need someone quick.
I prepared development plans, talked to my team’s leaders for 1 year, and they rejected me after 1 year of wait. Then the VP that rejected me got laid off. Now I’ll have a new leader and start all over again - it’s been a mess.
I wanted to ask for some help on how you navigated getting sponsored through your employer? I have all the development plans, talked to many people even people close to the CEO of this 30K+ people company.
We have a team that helps you get the visa, but the problem is the leaders don’t want to do it even though everyone knows that I have a very special talent managing the biggest marketing channel at my company and personally delivered over £20M in revenue this year only.

I am selling 100% of my shares in a private startup company in June-2024 (owned stock for 5+years). Company providing monthly payments for 36 months. 2024 Fed Capital Gains Taxes: do I owe taxes on entire sale price, or only on the amount I was paid in 2024?

https://www.anthropic.com/news/claude-europe
« We’re excited to announce that Claude, Anthropic’s trusted AI assistant, is now available for people and businesses across Europe to enhance their productivity and creativity.
Starting today, they will be able to use:
Claude.ai: the web-based version of our next-generation AI assistant
The Claude iOS app: a free version of Claude that offers the same intuitive experience as mobile web
The Claude Team plan: the best way for every business to provide teams with secure access to Claude's state-of-the-art AI capabilities and the Claude 3 model family
Today’s release follows the Europe launch of the Claude API earlier this year, which allows developers to integrate Anthropic’s state-of-the-art AI models into their own applications, websites, or services.
Claude has strong levels of comprehension and fluency in French, German, Spanish, Italian, and other European languages, allowing users to converse with Claude in multiple languages.
Claude’s intuitive, user-friendly interface makes it easy for anyone to seamlessly integrate our advanced AI models into their workflows.
Both Claude.ai and the Claude iOS app are available for free. The Claude app is available for download in the Apple App Store. For €18 + VAT per month (or local currency equivalent), users can subscribe to Claude Pro and unlock all models, including Claude 3 Opus, one of the most advanced models on the market.
The Team plan is €28 + VAT per user per month (or local currency equivalent), with a minimum of 5 seats.
At Anthropic, we're dedicated to creating AI systems that put people first. We look forward to bringing the unique capabilities of the Claude 3 model family to more people throughout Europe. Read this post in French, German, Italian, or Spanish. »

I am in a 3rd world country with a full apartment (2 rooms) for about 400$ a month. I also own a plot of land planning to build a house. To build a house I need to spend like 70-90k. Should I rent or build my house?

Solar panels are marvels of modern engineering, silently transforming sunlight into usable electricity. But what exactly is the power output of a solar panel? How much energy can you realistically expect from these sleek, sun-soaking rectangles?
This comprehensive guide will demystify solar panel power output, explaining the key concepts, influencing factors, and how it translates to meeting your energy demands.

Watts and Kilowatts: The Language of Solar Power

Like light bulbs, solar panels are rated in watts (W). This measurement indicates their maximum power production under ideal conditions, known as peak sun.
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• Watt: A single unit of power. Think of it as the "brightness" of a solar panel.
• Kilowatt (kW): A thousand watts. Most residential solar panel systems range from 4 kW to 10 kW.

Standard Solar Panel Wattage

Modern residential solar panelstypically range from 250 to 450 watts per panel. This means a single panel could power several small appliances or a significant portion of a larger one. However, most homes need multiple panels to cover their entire energy needs.

Factors Affecting Solar Panel Output

The power output of a solar panel isn't static; it's influenced by several factors:
​

• Sunlight Intensity: The more intense the sunlight, the more power your panels will generate. This varies throughout the day and seasonally.
• Panel Efficiency: Not all panels are created equal. Some convert sunlight to electricity more efficiently than others. Look for panels with higher efficiency ratings for optimal output.
• Temperature: Ironically, solar panels become less efficient as temperatures rise. This is why proper ventilation and mounting practices are crucial.
• Shading: Any obstruction, even partial, reduces a panel's output significantly. Proper placement and orientation are vital to maximize sunlight exposure.
• Angle and Orientation: In the Northern Hemisphere, panels facing south at a tilt angle roughly equal to your latitude typically produce the most energy.

From Watts to Kilowatt-Hours: Your Solar Energy Production

The amount of electricity your solar panels generate over time is measured in kilowatt-hours (kWh). This is the unit you see on your electricity bill.
To estimate your annual production, consider:
​

1. Your System Size: The total wattage of all your panels combined (e.g., a 6 kW system has 6,000 watts).
2. Peak Sun Hours: The average daily hours of direct sunlight in your location.
3. Panel Efficiency: This will vary based on the specific model.

A solar professional can provide a more accurate estimate tailored to your location and system.

Matching Output to Your Needs

The goal is to match your solar panel system's output to your home's energy consumption. Factors to consider include:
​

• Your Electricity Usage: Analyze your past bills to determine your average monthly kWh usage.
• Future Energy Needs: Are you planning to add electric appliances or vehicles? This may increase your energy needs.
• Financial Goals: Do you want to offset your entire bill or just a portion?

FAQs

• What is the average solar panel output per day? This varies greatly depending on location, panel efficiency, and weather conditions. A rough estimate is 1.5 to 2.5 kWh per day for a standard panel.
• How do I calculate how much solar power I need? A solar professional can help you accurately size your system based on your energy usage and goals.
• Can I add more solar panels later? Yes, most systems can be expanded if your energy needs increase.

Read more: The Best Time to Install Solar Panels: A Strategic Guide for Savings and Sunshine

​

Conclusion

Understanding solar panel power output is key to making informed decisions about your renewable energy journey. With the right knowledge and guidance, you can harness the sun's power to significantly reduce or eliminate your reliance on the grid, save money, and contribute to a cleaner environment.

So here’s a breakdown for an interesting scenario I find myself in:
My business signed an agreement for a large shipping company to ship goods. This was during Covid (2021) and was for a decent amount of money (~$12k).
I paid the bill as agreed via wire transfer. A few days later, the company debited my account (I did not authorize this second debit, but they had my info on file presumably from the first). I reach out about the matter and they say it as an error via accounting on their part and they send an electronic refund a week or so later.
Fast forward 2 years to 2023. I’m contacted by the company saying I still owe the $12k bill. I send them the email thread and go back and forth multiple times as they look at the email thread history. Finally they ageee it was paid twice, but then they say they actually refunded me twice- the second time with a check that was cashed 6 months after the debt was paid (I did verify this amount was indeed cashed via a check from the company at that time, but I had assumed it was for something else- there are a lot of transactions in my business).
I say hey, first off I don’t agree that’s what happened/how do I know it’s for that invoice?Second; the money is spent and i don’t have it anymore anyways. Third: you can’t send someone money then ask for it back years later, and Fourth: if you do, you certainly can’t use that as a way to reopen a paid invoice from years ago, right? For example: Even if what they say is true and the money is legally due, it’s not due as part of an unpaid invoice, right? (ie it’s not a collections issue for a bad debt, it’s a banking error involving different laws altogether, right?).
After a few emails, the company passes this issue off to several higher ups within their company. I keep the communication open with them and always respond (I have perfect credit and value it).
It takes literally months of back and forth. Finally I get an email essentially saying they’ve passed the issue off to their internal legal team and will let me know how they proceed and if I owe anything.
More months go by. Get one more email from a new contact at the company and I forward the last thread to this new contact about how it’s been sent to legal. No response.
Few more months go by and I’m contacted by an outside collections agency for the full $12k citing an unpaid invoice.
A few questions: 1) What are my chances of avoiding this payment? 2) Is it legal for them to reopen a paid invoice and send it to collections by wrongly issuing a refund check?
FWIW im in CA, but I’d have to go back and read the contract to see what State it’s enforceable in. Original invoice was Jan 2021 and I have sent via certified mail that I do not ageee with the debt and that it was paid (along with proof of the original wire transfer and written confirmation of the receipt of funds from the accountant at the company).
Thanks for any help or insights you have!
TLDR: -Paid a bill for $12k to a company. -Company then debited me an additional 12k on accident. -company refunded me $12k a week later - months after this, the company claims they refunded me another $12k via mailing a check to me (I have not confirmed this to them, but the money is in my account) - they are now sending me to collections for the original invoice

Hi everyone, I want to apply for a UK spouse visa in a few months, currently getting the documents ready. My British spouse and I plan to relocate to the UK together from the Middle East. We do not have any suitable accommodation options at the moment (only available relatives are renting, and their property is overcrowded). He has also never lived in the UK, so hoping that could help when explaining why we can't find someone else to stay with. Has anyone used short-term rentals or hotel bookings to prove that they have suitable accommodation in place? If so, what documents do we need to show that? Is it a reliable way of proving accommodation? Really don't want to get rejected over something like this.
Thank you for your help!
​

Last night, I had a dream about an ex lover. We dated 3 months between August-October. We ended kinda okay, but not really. Long story short. It’s the week of finals and I have dream about him. Which is weird cause I haven’t really been thinking about him. I’ve been focused on finals. However, he appeared in my dream told me he loved me and that he missed me. We end doing it in the dream, kinda. It was like he was my boyfriend again. Then the dream just turns horribly violent. There’s another girl with black hair glaring at me (I have light brown hair). His eyes turn kinda dark (he has blue eyes) and says he’s been with her and that he plans to marry her and get a house. That everything he did with me was a joke and that he was with her the entire time getting back together with me. I’m then getting chased by him and 2 guys (blurry faces). I stopped and I’m surrounded by darkness and I see him towering over me. He turns into a demonic spider? It was fucking scary and I woke up shaking and in pain from my dream. What does this mean???? Please help.

I will apologise in advance for the long post.
I have been with my boyfriend for about a year and a half. I am his first girlfriend, this is my 2nd serious relationship. We moved in with each other at around 9 months and things have changed between us significantly.
We have both never lived with a partner before. Initially my partner was incredibly attentive, was always wiling to listen to my good and bad days, thoughtful, considerate, romantic, understanding etc. Things were pretty good with us! I was shocked because I hadn't really experienced this type of relationship before. We had small tiffs but we were always able to talk about things and sort it out. Our sex life was pretty good! We both liked pleasing each other.
It was almost a immediate change since we moved in. My boyfriend became pretty distant, to me it seemed like he didn't really like having me around. I tried giving him space and you know let him figure out his routine. His work was pretty busy, as was mine.
I was working overtime for about 5 months prior to us moving in together, and found myself burnt out maybe a month into us living with each other. My sex drive reduced, which was frustrating for me because I love sex with my boyfriend. We still had sex maybe once a week, and occasionally twice a week. But admittedly I did start getting frustrated because my partner initiated sex every day, even though I had mentioned to him that my sex drive has reduced and I'm not overly keen on sex right now. A lot of the time I felt obliged and wasn't really into it. He also had changed a fair, and the only effort he really put in, was to hace sex (and even so it was much effort and I didn't orgasm 80% of the time)
I noticed he stopped really taking interest in my life, stopped putting effort in with my family, he would often be on his phone when I was telling him things, we stopped going on dates. He knows I appreciate having a meal together, so I try to plan my dinner with his but often he would eat without me. We didn't do anything for our one year anniversary, I did plan a dinner but I ended up cancelling it because my partner was disinterest and indifferent to it. He seems to only compliment me physically (either my tits or ass) and rarely anything outside of that. It almost felt like he started to resent me and I wasn't really sure why. A few days ago I had a pretty scary road rage incident where someone ran me off the road and threatened me with a knife. My boyfriend said he would help me with the police report because I was really distraught. He never ended up helping me, he also didn't really seem to care that this happened. It was a bit shit, I thought he would have some sort of concern in regard to it but there wasn't. I got mad and vented my frustrations about his huge behaviour change since we've been living together.
He told me he kind of checked out emotionally when I wasn't really keen on sex. (I'd like to add that my sex drive improved since I started working normal hours again, which was about 2 months ago, so we have sex about 3 times a week) Hes told me that he doesn't feel these things intrinsically naturally ( like caring when bad things happen to your partner). But I feel like a lot of those things come pretty naturally if you love someone
My gut feeling is that, he doesn't actually love me, and wants someone to have sex with regularly. I've been trying to ignore the fact that his prime interest with me is only sex but it's starting to feel that way. He does take steriods as well btw. If I don't keep up with him sexually he just disconnects, I don't want to feel like I have to have sex to have a present partner that cares for me. I used to feel cared and loved by him but now its like he's someone else.
What does this mean ?