Personalized piggy bank

I legit got asked this today in messages Facebook marketplace for some clothes I was selling, I’m in uk in Ealing area.
“I am also paying a lot of money for used not washed clothing. It’s stuff like Leggings, Jeans, Joggers. Tops, Trainers, Shoes, Salwar Kameez, Socks, Tights, Panties. Every clothing item has a price depending on age and size. Prices start from £1,000 for a pair of smelly socks to £4,500 minimum for a pair of tights, Pakistani salwars or knickers.
All payments are made a day beforehand if you want payment in PayPal, Bank Transfer, Cashapp or any other payment form you would be happy with. Cash on collection is paid on the day, You don’t send or I don’t collect anything until a payment has been made.
You have a choice to either post out after payment has been made, or you can arrange a cash on collection that doesn’t have to be your mailing address, the collection can take in a public place.
No personal details name, address ect pictures needed. NOTE: this is not a contract you don’t sign up for anything, it’s anonymous private and secure. I am currently buying sizes from 8, 10, 12, 12/14 mainly Pakistani mums ages 30s early 40s preferably
If this is not something you might be interested in, I am paying £1,500 to £2,000 for every Pakistani mum you forward as a referral, mums who might be interested in selling. All money is paid upfront like the clothing.
If you are interested and would like more information you can contact me on 07…. thank you”
Should I be worried? This is the first time I have seen this.

So I am interning for a firm that doesn't have a bookkeeper so I am carrying the load of doing the bookkeeping with my basic knowledge. The client only gave us the bank statements to create a profit and loss statement. The client used bank cards for many personal items such as buying meals at popeye's, Mcdonald's and Deli's. Shopping at Macy's, JcPenny and Sephora along with some dishonored checks from debitors.
The client doesn't show any interest in how the bookkeeping is done. They just want the P&L Statement. I'm confused on how to do it correctly. There is no record of rent or utility. I don't even knw if they wanted the cash basis or accural basis since they don't keep record of anythng else. I have to put everything into Tax dom tomorrow.
How can I start this project?

Last sunday nadukutan yung mom ko sa Cubao. Happy mothers day!
Nung time na nagfile kami ng police incident report, reported as loss lang kasi nung time na yon wala pa kaming natanggap na notif for sketchy transactions. Nung pauwi na nakareceive na kami ng SMS notif na nagamit yung Metrobank credit card nya for a 23k worth transaction sa SM supermarket cubao. (This is 2hrs after namin pinablock yung card sa metrobank ha!! Di namin magets bakit nagamit pa e while talking sa metrobank wala pa naman daw suspicious transaction ugh. Anyway different topic na to.) Also, may transaction rin daw using BPI debit card sa jollibee around 1.4k naman.
Di na namin goal na mahuli pa yung person(s) and have them pay for damages or what... pero gusto lang namin sana mapa-investigate para at least aware yung establishments na pinaggamitan nung cards and somehow baka may maitulong para sa next victims nitong (mga) magnanakaw?? As part of our responsibilities as citizens eme
Do we go back to the same police station para ireport yung transactions? Do we ask the banks for more details about those transactions? Si metrobank na ba bahala mag investigate nung credit card fraud for the dispute? Any advice appreciated.

Okay, fourth rewrite, I'm making this in hopes that their is someone who can help me in some way. Maybe someone knows the answer to it all and can guide me, though unlikely. I'll just list out all my issues in seperate paragraphs and hopefully their is just someone out their to help, if you can help me just please do, I really need help or at least someone and you reading this and giving me advice would truly mean a lot to me. Anyways
I feel stupid: I honestly feel braindead, I hate my mind so much. Sometimes it's hard to think or do, sometimes I can't think or do. My mind is so numb, everything about my mind just feels wrong and dead. My mind has felt dead for a year or two now and I just wish it was alive, I want my mind to be normol, I want it to actually work. I also want confidence in my mind, any failure or lack of underatanding makes me defeated and feeling like a dunce. Anything I can do I say was just luck or something anyone should know. I don't know if I'm stupid or not but dam I feel like I am the dumbest in a room. I would give it all to be intelliegent, I wish I was smart, well read, well informed, well versed. I so desperately want to know, so desperately want to be smart. I wish I could understand stuff. I just want to be smart and have a bright alive mind, but my mind is so dead and desolate and compared to the rest worthless. I hit myself in my head whenever I'm mistaken or just feel so stupid, and I honestly deserve it. If I were to kill myself my mind being numb and stupid would be the reason or a big reason why, I just want to be smart. You can likely tell just how much of an idiot I am by reading this via grammer, spelling, complaints. That "likely" was meant to be "probaboly" but I'm just stupid and worthless to spell. If there was just a way to be smart and not such a moron, I fucking hate my life.
I have body issues: I without doubt have body issues, the biggest of which is my weight. As of now I am 5,9 (1.7M) and 211lbs (95.7KG), I was 246lbs (111kg) to begin with and it was also my heaviest. Despite losing a good amount of weight I am not happy and have no pride, I'm still fat and thats all I see sadly. I don't want to be fat or skinny, I want to be muscular:big arms, built chest, flat stomach, no abs (don't like them) that sounds appealing, it's what I want. Unfourtunely I as of now can't work to this goal, I don't have money for a gym or equipment, famliy funds can't do it ethier and awhile ago I turned down a weight bench since I wasn't confident, now I regret that choice. I hate being fat so much, and this deep hatred and desperation has led to a embarassing cycle, for two years now I have been downloading images of muscular bodies. They're all drawings or from videogames since I'm to embarresed to have real images and as mentioned it's a cycle, Download and store -> have them and look at them for awhile -> get ashamed of myself -> purge it all -> regret -> repeat. Like stated this has been going for two years and as of now I have ten different images. Apart from weight I also have some other physical insecurites, acne being a big one. I been suffering from acne for years, fifth grade, early sixth grade is when it started so five years of this. It mostly effects my chin and cheeks badly but also effects more of my face, sometimes the acne hurts and it often even bleeds. I hate touching my face and feeling grime and ripping off a bunch of skin and dried shit. I wash every night and try to be frequent with morning witch-hazel but it dosen't relent. I also hate it when it gets mentioned, it is irratating to be reminded and noticed and nobody points it out more then my own mom who also cliams it would go if I just washed. I do, I fucking do! It's not working and you don't understand that! I also have body acne I don't know how to fix, I like sleeping shirtless which I know is the reason, also inconsistent with bedding which isn't right. Even if I did wash sheets weekly it wouldn't be enough, I would still get acne on my body. I just want to sleep shirtless and not get acne, I wish I could find a way. Another insecurite but not really is my height, I don't mind being 5'9/5'10 I mean it's about average height and I beat out my 5'4 father. But I'm sixteen which mean I still have possibilty to get taller and I wonder, will I? If I do, just how tall? Could I reach 6'0+? All of this speculation makes me a bit insecure, also with being fat I look short and round in the mirror which is defeating. I'm secure besides speculation and weight but at the same time I truly want to be taller, I think any man tall or short wishes they were taller, I wish I could break 6'0 that would be cool (to me). But I don't think that will ever happen, my dad is 5'4, my mom is 5'6 I made it 5'9/5'10 and my chart is stagnating, should just stop thinking I'll get taller. Another phsyical insecurite and likely the last one I'll mention unless I think of another worthwhile one is my hair, I'm insecurie of my hairstyle. Or lack of hairstyle, my mom says I have independence in this choice but whenever I make a choice she complains about it. Any agreement is one sided or changed up a little so she likes it. I have always hated my hairstyles over the years, even now and as of now it's ethier her way or a unorgainzied thick mess that will soon be her way. I hate it, wish I could make my own "independent" choice, even if I could my mom would likely hate it and always bring it up which is something I don't want to deal with. My mom is more for short cuts and fades etc, I hate fades and while I do admire short hair have always taken liking to shagger and longer styles, more rugged style. I have also always liked long hair and even wanted it. I used to openly want long hair for a long time but my mom opposed, I tried to convince her but she was opposed. She wasn't only opposed to it she made sure to express that it was gay and feminine etc, etc. She made me close off and forgot the desire but even now she won't let go. She is so sure to tell everyone: famliy, her friends, the hairdresser, hell maybe even strangers, she tells everyone about how much I wanted it and what she thought of it etc. Often I have been embarresed like this while I was right there, I have expressed that this embarreses me and want it to stop mutiple times yet she'll continue almost as if it's purposeful, she will also bring up an old friend T who had long hair as an example of it looking bad. But he didn't take care of it or do anything, most he would do is give into his moms begging and have her brush it. If I had long hair I would actually take care of it and do stuff to it! She also claims I got the idea from him, but no I liked it since elementary being inspired by personal inkling and rock. I no longer want hair but am starting to find styles I really like, but first I need to get my mom to fuck off. And second I would want to grow a beard, which is another issue of mine. I'm sixteen I shouldn't expect a full beard but I have seen peers with actual good facial hair, patchy beards, five o'clocks, some actually have a beard. Then there is me, with some sideburns and a bunch of peachfuzz, I want to be able to grow a beard and the peachfuzz plus sideburns bother me, I want it to actually devlop, I want a beard. I am also worried about devlopment, worried acne will hurt or even stop growth. I'm upset about my lack of growth though I definetly have unrealistic expectations. Lastly with hair is my chest hair, I'm quite hairy and I like it. And I have chest hair but barely and I just wish I had more over a greater coverage, more of a funny insecurite, lol. One more insecurity I forgot about is my voice. I'm loud when talking and my voice isn't as deep as I wish so that sucks.
(copy and paste from older write) I wish I had a father: I don't have a father or any form of father figure, I'm fatherless and it hurts a lot. My father has been out of my life since I was elevenish/twelveish (the peak of covid passed), we kicked him out because he is and was a meth addict in and out of the jail. He was a fuctioning addict so not violent and not as obvious of an addict but the meth still took him over. My mother says she kept him around and gave him so many chances because she wanted him to be in my life as a father. But he was no father when he was around, he didn't parent me, he didn't play his role as a father and guide as a masculine role model, hell he likely didn't even truly care for me. My only memories of him really are going to McDonold's with him, after which he dumpster dived behind the plaza as I begged for us to go back home. Or me wanting to bond with him so he sets up the brilliant idea of dragging me around with his skechy friends, to skechy places, even at skechy times. I don't understand why I knew sooner, guess I was a stupid basterd but I started picking up that my dad was a bad person around fifth grade. By then I quickly found out more and more and tenstion was growing, by eleven we we're going to kick him out but covid struck it's height and our household seemed palpable. But very quickly we said fuck it and threw him to the curb, we weren't going to have it no longer. Soon after around thirteen I was happy that he was gone but slightly disappointed that I no longer had a father (even if he was useless) and I hoped my mom would find someone, not only for herself but for me. By fourteen this really layed in heavy on me and the lack of a father really bummed me out, I got really stupid and desperate using bitlife to create guys then add me and my mom in to create step father famlies even adding step siblings and shit. By late fourteen it was made clear to me by my mom that "we don't need no man" and that she was done with dating. I very well do need a father figure, every child needs one. Hell I as a guy truly need(ed) one, there are so many lessons and things that come from a fatheson relationship that are crucial to a boy and I missed out on them. Hell even when my dad was around I missed out on lessons, I still remember he was tasked to teach me how to tie my shoes but got mad at me struggling and walked away. He refused to help afterward and I refused to try and never to this day learned the proper way to tie, instead I have my own far less efficent method. I missed out on so much by not having a father and it hurts to know that and I just wish I had the knowledge, without a masculine role model I have definetly missed out what it is to be a man and likely am even a loser of a man. I just want a father so badly, I want what a father provides so badly, I want the bond that it comes with. I wish I just had a guy to talk to and bond with, I want a dad just so badly. I wish I had someone who taught me how to change a tire or fish and all that shit, but I'll never have it and it angers me, I am angry to be fatherless, I am angry and lost without a father figure, and I'm jealous. I kind of want to have children when the time comes, I wonder if I'll fail them as well.
Friends: Growing up I was always a bit introverted, I think it was of my nature but was amplafied by life. In elementary I often acquainted myself with people never having any close friends outside my after school program. Jumping to middle school I had a good friend-group but it turned out my good friend T was really an ass and I was pushed out by him in early nineth grade. Later in nineth I met my good friend, my best friend M. This year in tenth I was introduced to a friend named D by M. These are my only two friends and I'm happy with them, though there are a few issues. Not anything major but just a few things, like how we never do anything outside of school. The only thing I really miss about my old friendgroup is that we actually did shit: springs, houses, events, parks, attractions, food. Now me, M and, D don't and have never done anything outside of school and the computer. M likely couldn't do anything because of his famliy and D just seems completely disinterested and worried about money. But I wish we could really do something, sure videogames are fun but it would be fun if we could just goof off somewhere, be stupid. This is really the only general "issue" apart from that no major strain or issue in the friendgroup. But I do have a few personal grievences, starting with D. I think D has a darker side of him, he seems to not respect or care for me and will sometimes show it in nasty ways. He had told both me and M to kill ourselves, he attacks insecurites, he says rude shit, etc. Also with D, we have never truly connected, never gotten to know each other personally. Without M we would be mere acquaintance, M is the only reason why me and D are friends and being alone with each other is mostly silence and maybe him showing me a TikTok. Then M, I have no personal issues with M only small factors of our friendship I'm upset or worried about. Starting off with is school, halfway through this year (tenth) M started a FLVS-hybrid. I am happy for him and it's something we both expressed wanting but now I never really see him. I could see him at lunch but he dosen't really come in and only other time I can see him is leaving campus. I ethier catch him and barely have a conversation worthwhile or he's to far ahead and I got to give up trying to reach him. The only way to talk to my best friend nowadays really is Discord, and that isn't even reliable since his parents are often controlling the WI-FI or taking his stuff away. This means when I do talk to my friend it can suddenly be ended as he disconnects or I can't even. This sucks, it feels like I can't even talk to my best friend that much. But that isn't all, because I'm worried for my friend M. His parents don't sound the best from all he's told me, I won't share his issues but just as an example he didn't have a bedroom for two months. Hearing what we gose through is alreadly dishearting but something that I worry deeply about is him talking sucide. He has talked and half joked about it several times and it's worry, I been trying to discourage but he continues with it so now I'm just trying to ignore it. That is likely the wrong way of handling it but I just don't know what to do. I hope it's always bluff and he moves out and moves on with he can, I don't want him to kill himself.
I'm lonely: I'm sixteen but I'm lonely. I am the only one of my friends who hasn't had a relationship, I am not the most worried about that, I don't want to date just to date, I want to date to love. But hell I still wish I had a relationship, even just a sterotypical high-school one. But what I truly want is true love, I want a woman I love with all my heart and a woman who loves me with all of hers, I want a woman to provide for, to protect, to matter to. I want to marry and possibly have kids. I want to love someone, be there for someone. But will I ever even have that? I'm alreadly a loser who no woman would want and even then from what I've heard, "modren dating is terrible" so what chance do I even have? Will I ever have someone to love? I hope.
School: School makes me so misereble and dead, this place makes me genuinely want to off myself I hate it so much. And it seems to revolve around my whole life, even at home it's all my mom wants to bring up. I just need a break from it all but it seems like it's the only thing in my life, I don't really have anything else. I failed my nineth grade year, I failed since I'm a stupid, worthless peice of shit. But they "passed" me onto tenth, gave me tenth grade classes, test, etc but say I'm still nineth, tell me do nineth grade "remedation" online. Now I'm failing like a worthless peice of shit once again! I wish they held me back to try again but they didn't they just pushed me on, still likely would've failed like a worthless bitch but I could have had a chance. I fucking hate myself I'm so stupid and I hate my school for pushing my stupid ass onward and onward, I should just kill myself at this point. And when I try to reach out to my counselor in any hope for some chance of help the piss poor communcation at this school means it'll take days for a response, I can't even get reliable help over school. Back in middle school I had a GPA in the high 3s, I made honor roll every other quater or so, I had high grades and sucess. But in high-school, in nineth grade I failed with straight Fs and got a GPA of 0.7, now in tenth I have a 1.7 and sometimes get high grades but mostly fail. I just wish I wasn't so stupid, I just wish I was smart and successful at school. But I'm not, I'm a fucking idiot and an embarssment at school. And maybe it would all be okay if it wasn't for the assholes I am surrounded by, my fellow peers of this overcrowded hell hole. Just seems like I can never catch a break with having to deal with people. I just want to be left alone but they're is just always somebody wanting to bother me, harass me. Can sit at a desk then have a bunch of cunts around me, harass me, call me burgundy because of my shirt. Can sit down and be snickered at by the guys in front of me for whatever reason. Sit down and have paper, pencils, even ice hitting me. Sit down and have some imbecible pull up a chair and use my desk as his and block me in my seat because fuck me, am I right? Just want to be left alone but never am, nobody ever dose it's always something. I can't even get respect, not a single bit, just always mistreated. Hell just the other day when I was given my packet I was also mistakenly given the packet of a nearby girl, I get her attention and hand it to her and she just snaches it and mumbles something, because I can't even be respected, I'm worthless. And even when I'm not being directly bothered I got to deal with slow walkers, idiots who don't know how to inconvience everyone else in the halls, the over crowded school. It all fucking sucks I hate it all, everyday I think I'm on the verge of snapping but somehow just have more patience, I don't know how much more of this shit I can or have to endure. At least my mom finally reconsidered my old forgotten pleads for online school and reopened the idea, maybe by some miracle online school will save me and "help me get caught up and ahead" but I doubt it, I'm an idiot who deserves to die. Why am I so fucking stupid, why am I like this? Why must I exist this way?
No hobbies or interest: I used to love a lot of things: reading, history, coming up with things in my head, videogames and, anything really. Now I have grown apathic to it all except videogames and even that dosen't bring much joy. I want to have my old hobbies back but lack the will to return. And I want new hobbies but yet lack will but also lacking knowing what I want to try. I'm lost with my freetime, it's all bleek and I want to fill my life with pastion. I still love videogames, always will but I need more then just gaming, I want more then gaming. I just want something, anything. I don't want to have such a lack of interest, God I fucking hate my life.
I have no future career goals: I'm sixteen and have no idea on what I want to do as an adult, some may say thats okay but it's not, not for me at least. I want to have a goal in the adult world, and even if that goal led to a path I don't like then I can always go down another path. Despite having no idea on what to do I at least know I don't want to be in an office. I could handle an office job, and be content with an office job but an office job isn't me, it isn't what sounds interesting, I would likely do blue collar or be my own boss. Some jobs I've considered and would do still are: police, SWAT police, house flipper, 911 operator, port worker, mechanic or something tinkeassemble like, enterpuner my book, film and games ideas or, open a store or bar or something. These are some jobs I've considered in the past that I would still see myself doing, I have also pondered over military/reserve but not sure. My childhood dream career that I still have a desire for is SWAT but I don't think I have what it takes, in fact I don't think I have what it takes for anything. I think all my life is destined to is dying homeless on a street corner, it's all I'll ever be "worthless".
I had so much planned, now failed: At age fourteen I planned to by now have a license, a job, a banking account, start savings. I planned to lose weight, I planned to have an idea outside of school, I had a plan. But I'm just a worthless peice of shit and a failure to myself, I don't even have a permit, no job, no savings, still fat, have no idea about the future, I failed myself.
Fidgeting: I can't stop but want to, at school I can't help but twiral a pencil around. I do it all the time at school but been trying to stop, I hate doing it. Worst part is I'm being immated by worthless cunts by it which is annoying. I want to stop this.
Masterbation addiction: I have a severe and low life addiction to masterbation. I do it at least once a day and sometimes mutiple times a day. The longest I was ever able to refrain was just a little over a week and only failed because I got bored. I need to jerk it to be able to sleep unless I'm desperately tired but even then. Also since I "need" it to sleep I regulary soil my sweatpants then sleep in it which is nasty. I can't control this vice, this low appetite and I'm deeply unhappy about it. Also unhappy that I might be ruining my endurence, a bit TMI but just another reason why this is harmful. I want to refrain or atleast drasticly cut out this pratice and fix myself.
I likely have more issues eating me inside as I waste away as a shell of a person but I can't really think of them. I am told my mom is looking into thearpy so that might be nice. Please just help me, I'm so lost and broken, I sometimes consider just ending it all but I just hope it can get good.

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: none
• * FICO Scores with source (see note on FICO score sources below): Experian 679
• * Oldest credit card account age with you as primary name on the account: none
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 0
• * Number of personal credit cards approved for in the past 24 months: 0
• * Annual income $: 100,000

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: No
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: $150
  • * Groceries $: $400
  • * Gas $: $0
  • * Travel $: $50-100 on Uber, no car, public transport subsidy through employment
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $50-70 phone bill, $50 electric, no other regular spending
  • * Any other significant, regular credit card spend you didn't include above?: none
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $2,195, 2.95% fee to pay by credit card

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: No
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? No
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? No
• * Current member of Chase, US Bank or any other big bank?: No (Frost Bank is my only bank account)
• * Active US military?: No
• * Are you open to Business Cards?: No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: First credit card (have always used debit card), not authorized user on any other card. 27 years old, just started working last year (after finishing law school).
• * Do you have any cards you've been looking at? No

Folks - I have a CIBC HELOC that I've been paying down from just below $60k ( we had a house fire and I used the LOC for renos/repairs) to just above $22k since April 2020.
Today I received a letter from CIBC informing me that my HELOC expense was increasing from 'CIBC Prime +1%' to 'CIBC Prime + 1.5%' with two months notice.
This change is apparently made in accordance with my CIBC Personal Borrowing Agreement, which I am unable to find in the online banking portal. This will be a good place to start in my phone call.
In the meanwhile, any suggestions?
Edit: can't see how to edit title - should read 'CIBC HELOC bumped by .5%, 2 months notice
Thanks folks!

My best friend of over 20 years + I had an intense fight on the phone last week. It certainly has not been our first fight but it was (in my opinion) the worst that we've had so far. Things have been good between us lately, we hang out and have fun together. We call each other on the phone and share tons of stuff about our lives with each other, both good and bad. We joke and laugh over text about things together.
Last week my best friend called me and immediately I could tell that they were having a rough week. They mentioned at the beginning of the call that they were having a challenging week at work and their romantic partner who has previously dumped them twice came around with a gift trying to make amends which was really confusing for them. I listened and offered advice and support + generally let them vent. The conversation shifted towards discussing a creative project that we have been working on together for about 6 years. For some dumb reason, I mentioned that I thought they were being "tweaky" and that it might not ever get done. I still feel that way, but I can see now how that was a cheap shot on my part considering how much of an emotional week my friend was having.
It escalated into a yelling match on the phone and that phone call went on for 4.5 hours. I kept trying to get off the phone but they insisted that we work it out. Eventually, the call ended and we didn't speak for about a week.
In that time, I sent a short email apologizing for what I said on the phone about the "tweaky" stuff and saying that I wanted to set a new boundary where I could be allowed to exit a yelling match until we were both more calm.
I got a return email. It was 35 pages long. It went into extreme detail about all of these things that I've done in my life that were problematic for my friend. They brought up romantic relationships of mine from 10+ years ago and my fears of COVID during the pandemic. They brought up a lot of stuff about my money habits, even breaking down what they thought that I spent this past year and speculating (incorrectly) about how much money I have in the bank. Their main point with all of this was to show me what a mess I am even though I've been in therapy for 3 years and am currently in a good live-in relationship and no longer afraid of COVID.
I do admit to dumping a ton of drama on them over the years with relationships and also admit to being terrified of COVID pre-therapy. All that stuff was problematic for them. But I've worked hard on myself with two therapists the past few years and I'm in a much better place. Also we've talked about all of that and I've apologized. It's not the first time that they brought it all up, which is why I started therapy in the first place. I thought that we were past all of this stuff and none of it was related to our actual fight this week.
Side note on the money stuff that they brought up: I've loaned them thousands of dollars in the past and even recently they asked to borrow more money from me when they were laid off, but somehow are still taking me to task on my money habits?
Basically, it's incredibly painful, but I don't feel like I want to be friends with them anymore. I don't think it was cool to bring up all this stuff from my past (that I've worked on fixing) and throw it in my face just to seemingly try to hold a position of superiority over me in a fight that wasn't related to the issues that they brought up.
Also the keeping track of my money thing is weird and creepy to me.
I feel like I won't be able to tell them anything personal in the future if we do stay friends out of a fear of it being used against me at a later date. So to me, the trust feels like it has been broken.
Also, I've never sent a laundry list to someone in a fight, like is that even cool to do at all? It feels punitive like I'm being punished or something.
For what it's worth, I didn't call them names or cuss at them in the emails but they cussed a bunch at me in their email and called me an a**hole.
Am I overreacting to end a 20+ year friendship because of this?

Its been a crazy year so far, the world is heading in two directions and both forces are pulling equally in both directions. The neglected and the most abused people on the planet are coming into a new age of self determination away from colonial rule thanks to BRICKS. The average person in the west is under the impression that slavery and colonialism is over and get very annoyed with black people whenever the subject is brought up. They think black people should shut up about European history namely slavery, because there are no chains around black peoples necks anymore and are no longer lynched in the streets. They haven't realised that these practices still exist and is still going on, your governments just changed its form, the European is shielded from knowing because racism isn't aimed at the European, plus the European is shielded by its media. They think that because some black people have made a fortune in America, that all is well, and because of this they believe that racism no longer plays a role in regards to a black persons success in America or in Europe. How wrong they were. Just look at what's going on in Israel, you all got to see the real face of your governments. So black people are not making it up when they call out your racist government, they know what they know. I don't know if the European American has noticed, but black people are leaving America and have been for some time now, and going back to Africa. Your media have done such a number on its own people, where the average European and European American have no idea about the real world, outside of their own countries. The propaganda machine has totally screwed their own people over and has given their people the wrong impression of Africa. Africa is now a developing continent, and has places that will make America and the UK look and feel like a dungeons. Nobody in Africa has Debt. They all own their own homes bought with cash. Their cars and trucks are all owned and bought with cash. Africans no nothing about borrowing from a bank to buy a home or a car or for cash. They work hard and earn money, the money goes into a bank or a hole in the ground until they accumulate the amounts they need in order to buy something. These are disciplined people. The buildings and homes will make you weep, beautiful is a insufficient word to describe some of the homes people have in Africa. Yet if you ask someone from the west to describe their impression of Africa, what you will hear will be heart breaking and reflects a ignorant nation of people. Yet the European would call these people broke and poor. They are not the ones living on credit. the European lives off credit and thinks its a good thing. The European don't realise just how broke they really are. How can a government do that to their own people, to leave your people this ignorant is so you can easily control them. The way the western media describes Rwanda for e.g. is so messed up, have you seen Rwanda?? its no different to any western country, only it has better weather and beautiful scenery, its very modern if not, its more modern than the US and the UK combined. I have a question for the European. How would you expect a rapist to treat a woman? bare your answer in mind. Right! Now how would you expect a paedophile to treat a little boy? bare your answer in mind, Right! Now here's the big one, People who chose to own slaves, how would you expect them to treat other people? As white people you are stuck with this kind of human being within your ranks because these are your people, Your ancestors who owned slaves, their offspring now occupy positions of power within US and UK governments, the people you have handed full control over your lives to. The apple in this case hasn't fallen from the tree because it has never left the tree branch, such are the people you vote for. The European people in your government and media are every inch the racists and bigots their ancestors were. Money has afforded them the bad luck of never loosing the mindset that could own another human being. White people have been supporting these horrible people since their governments conception and did nothing to protect the offspring of those who were enslaved. The European loves to brag about how European ended slavery. The Europeans true sick mind is reflected in the weaponization of that so-called fact. The European wants recognition and pats on the back for ending slavery many years after enjoying 500 years of it. Make that make sense. its a lie of course. The European didn't end slavery, they conceded to the threats coming from the slave revolts that had taken over the plantations in the West Indies, they feared their slaves in the US would start to get ideas, so they ended slavery before their slaves revolted too, that decision sparked the American Civil War.. Today white people are losing the war on black people because black people stand up to governments, bigots and racists, plus we now have a real home to go back to, Africa is calling its people back to the continent, some countries are not even asking for visas for black returnees, plus their offering free citizenships and new passports. Your governments, being the demons that they are, will now focus all their attention on you, the people. Have the day you deserve
https://www.youtube.com/watch?v=QH_GdInGumI

I'm 22, just out of a decent university, but my grades weren't the top (3.0 gpa). For the past two years, I've been putting in around 25 hours a week at a small bank branch since my sophomore year. They've given me a bunch of important tasks like scheduling appointments and handling financial transactions, wires, accounts, safety deposit boxes, etc. I think I'm pretty good at what I do, and I pick things up quickly. People say I'm personable and great with clients. But I'll admit, I struggle with staying organized, and motivation can be a challenge sometimes.
Now I'm at a bit of a crossroads – deciding whether to stick with my part-time role at the bank or take on a full-time teller position. However, what I'm really passionate about is working in the international finance scene! I'm fluent in English and French, and I'm working on my Spanish because I have a real passion for languages. I have the legal right to work in the EU, which is where I'd like to start. But I'm also eyeing opportunities in growing African countries like Niger, Rwanda, or the Democratic Republic of Congo. Does anyone have any advice on how I can make this transition? Whether it's specific roles, companies, or licenses, I'm open to any suggestions that could help me chase my ambitions. Thanks in advance !!

The Maine District Attorney’s Office has been notified that almost half a million people banking with JPMorgan Chase could have had their personal information extracted from the company’s systems thanks to a software flaw dating back to 2021.
Luckily, at present, there seems to be no evidence of foul play or the data being misused in any manner. It could, however, have been accessed by authorized parties associated or working with the bank at the time.

I need emergency assistance with my Storage payment. I have my stuff stored in a friend of mine's garage. I lost my parents house in 2021 and the reason why because me taking over the house payment was unexpected I lost my mother and father in 2019 my mother was sick so we was prepared for her death but not my father he was diagnosed with cancer in 2018 and passed away March 2019 and then my mother followed July 2019 I was a caregiver for my mother for two years so I took a huge pay cut stay home but at that didn't matter to me I wouldn't change that for anything but when my father passed away I had to take over things that I wasn't prepared for and still was taking care of my mother I tried my best to keep up with the house but it fell through so I lost the house September 2021. Due to the setback of me being home with my mother it was hard for me to get back on track especially losing my parents so close together. So what I'm getting at is in September of 2021 when I lost the home I had a friend of mine let me store my personal belongings and lots of my parents' personal belongings in his shed because I could not afford to get a storage unit I still can't afford it. In April he came to me with some unexpected news but he wasn't prepared for either his daughter was going through a divorce and she needed to store her stuff in the shed so I had to get my stuff out with that being said I had to find a storage unit still expensive for me but I can't afford to lose my stuff and I had to leave a lot of stuff behind because I couldn't fit it in the storage unit. The reason why I'm behind on my storage unit in February there was money stolen out of my bank with some online transactions in the amount of $2,000 dollars so therefore identity theft I canceled my card and I'm waiting on my new card to arrive and I knew what day it was coming because I had it expedited so on the day that the card arrived I was out running some errands I get home to check the mail and there's no card so I quickly get on my phone call the bank and ask them where my card is and they said what do you mean it's been activated and there's been two $500 withdrawals and $50 varo charge. I was so Furious and confused on what in the hell is going. So the bank tells me all I need to do fill out some paperwork and the investigation that could take up to 90 days so I do all that about a week later I called check on the status of the situation and I now have to go down and make a police report so I did that and I still have not received my money, that's why my storage unit is behind I have a lien on my storage unit I kept in contact with them about this and they were okay with it and now they're saying that there's nothing they can do so at the end of June if I do it will be going up for auction sometime in July and I do not want to lose what I have left it would be greatly appreciated if someone can find it in their heart to help me there's a lot of memories in that storage unit. I'll show police report you can even call the police station I have the police officer's name who I made the report and if anyone's willing to help me the payments could directly go to the storage unit so you know it's going for a good cause. Thank you in advance have a blessed day!

Hey RSN Athio here to present;
The rules of Dmm skill and kill (dmm sk) in a nut shell
players may only trade via the ge.
points are rewarded for pvm kc, total level diaries combat aceivments and kills; adding more points if apker kills a high point target.
A restriction list that alters the points gain when killing any player they have killed in the last 48 hours
skilling stuns you for a breif moment
new rules on bank raiding and death mechanics
gear lv 65 and abovebreaks on death and must be repaired with lower teir equipment to be used again.
xp rates for skilling in a combat zone are given a multiplier while kills in the wilderness give an even bigger multiplyer.
Easy to obtain ornament kits are given as rewards.
A final tornament that gives each player a clan rank and duel rank and rewarding a in main game cosmedic cape that shows off their placements
The Point system:
~~~~~Skilling and pvm points~~~~~~~
Their is a points system based off total level, pvm kc/combat acheivments.
~~~~~~~Pking points~~~~~~~~
kills reward point
Armors and weapons over lv 50 add lots of gear points to a kill, while sub lv 50 give few gear points
Kills reward a small number of points for killing anyone you haven't killed in the last 2 days.
Kills against anyone you have killed with in the last 2 days will not get base kill points and only a 1/3 of gear points
having 3 kills on someone over 48 hours gives no points at all.
A icon above each player to easily identify players you have killed Already in the last 2 days
perhaps a red lock if they are unskulled and a red skull if they are
and whiteskull or skull/white if they are skulled with a lock
--------(The loot rules/death rules and systems mechanics)~~~~~~~~~
No trading in person only able to traded via the grand exchange
Dropped items don't appear to other players
Their are two inventories players may switch between; one for skilling and another for combat
The two invents are built in together and can be swaped by left clicking the inventory button in the ui and selecting swich invent.
The Battle crate inventory:
A switchable inventory that only stores foods, ammo, gear and potions
The skilling pack inventory:
A switchable inventory that only stores resorces , tabs, teleport jewlery, non combat potions and skilling equipment/outfits
Includes a built in notedenoter options for skilling supllies only so people can do bank standing type skills anywhere it's dangourus for better xp rates
More will be included but i'm having trouble with reddit charter limits
anyone know if i can link a word document?

just got my license and took the MSF course. And yeah, we never left the parking lot but i picked it up really quick and I immediately understood and respected the machine. I think cycling in the city for as long as I have definitely helped (defensive driving, spatial awareness etc). Got the itch to give it a go and actually buy a motorcycle.
I won't really be a speed demon, not that kinda person. Just something to get around long island on and take upstate to go camping etc.
I was eyeing this FB marketplace nighthawk 450 that was far away in a small-town in PA, but it was $2000, 44 years old, 40k miles on it, and really far away.
Looking for a cafe racer type look, but from what my moto friends and riding instructors tell me, don't spend a lot of money on your first bike, you're gonna drop it etc. But the cash on hand I have saved right now (around 2k) I really only find older bikes that aren't even running.
Same folk also tell me to get a bike that's somewhat modern (post 2000) and that doesn't need a lot of work so I can focus on riding and not wrenching. But anything I find online / dealership used that fits that criteria is ~5k plus.
I guess my question is: how do I get something I love to look at, doesn't break the bank, is ridable and reliable, and can hold it's own the interstate when I'm ready to ride there? Is the barrier to entry with motorcycles really that expensive? Or is it just me looking at the top of riding season so a lot folk are buying fast etc.
sorry for the journal entry i just find myself confused. appreciate ya'll and what i've found on this subreddit has been helpful for my journey. be safe out there please.
Edit: found a lightly used royal enfield int650 in Jersey for $5,800. Is that a good price point for first bike ?

First you go on 8 dates right? According to NY post the average date is 189 USD dollars or 314 new zealand dollars so in total $2514 NZD JUST FOR DATES! Much later down the road is the engagement ring which according to women must cost 2-3 months salary so on my shitty pay it would be between $7740 and $11670. Just for a comparison I bought my car for $4300. And now for the wedding which on average in NZ is $35000. Another $35000 for a luxury honeymoon so in total that's $80280 - $84210 and that's BARE MINIMUM, that doesn't include the countless other gifts and many more dates after the first 8. HOW DO PEOPLE AFFORD THIS. Do you have to choose between a relationship or a fucking house deposit? Do you get massive personal loans? Will the bank even lend for that? Irrelevant for me and us of course because we are virgins but it is some interesting food for thought.

I hope I can explain this so that it makes sense but stick with me because I cannot figure out how this happened. I shop at Kroger (grocery store) and on their app, they have a touch-less way to pay at the checkout. It has your store loyalty card, and you add a debit/credit card to your account. When it’s time to pay at the register, the app creates a QR code that the checkout person scans. You don’t have to touch the card reader or enter a PIN because it pulls in your payment information from the debit/credit card you have on file. It’s really convenient and I’ve been using it for years. My bank debit card is the only card I have on file with Kroger, it is active, and there is plenty of money in the account.
So last week, the clerk scanned my QR code and rang up my groceries as usual. When she went to complete the transaction there was some kind of error. After confirming I wouldn’t be charged twice, she had me rescan another QR code. Another error. I said that’s okay, I’ll just use my bank debit card in the reader there at checkout . The split second I put the debit card in, the screen said “approved”. I didn’t get the screen that usually asks if I want money back, nor the “yes to approve” screen. All fine and dandy and I left. But when I got home, I had a text from BP (gas) where it charged my gas card, and not the bank debit card that I have on file (and put into the card reader). My BP gas card is kept in a zippered compartment, totally separated from my bank debit card so there’s no way I could have used it even by accident. Please do not even begin to tell me I must have used the wrong card by mistake because as I said, it’s in a zippered compartment that I did not open. I do not have a secondary card on file on my Kroger account. Anyway, is anyone able to explain what may have happened? How can it charge a card that is not on file, and that I never removed from my purse? I’m totally stumped.

A month or so ago I busted my phone, and it was a huge pain in the ass. Aside from some lost data which was minor, the biggest PIA was resetting MFA, getting in touch with my US banks, and any other services that were tied to my phone. The experience also made me take a step back and realize I am pretty lax with security, and if someone had gotten hold of my phone and somehow god-forbid gotten the passcode, then I'd be fucked. They could do so much damage with unlimited access to my email + MFA SMS, even in just a few hours.
As a result, I kind of went down the ADHD rabbit hole hyper-fixating on how best to "optimize" my iPhone and iCloud configuration for two things:

1. If it breaks, the transition to a new device will be relatively painless. I won't have to spend several days stressing and trying to find the right international customer support number for a myriad of institutions and services to get into my accounts.
   
2. If it gets stolen and compromised, then there will be enough barriers such that the I'll have enough time to lock down the device and/or my accounts remotely before the thief can get key data or move funds.
   

So I put together this guide and checklist that I thought I'd share with others. I am a programmer but by no means a security guru, and so if any IT, DevOps, or SecOps folks want to chime-in with suggestions or improvements, please do.

Requirements

• an iPhone XR, iPhone XS, iPhone 11, iPhone 12, iPhone 13, iPhone SE (2nd generation), and iPhone 14 or newer for eSIM compatibility.
• a US-based carrier with eSIM support + a pay-as-you-go model for international travel (I use Verizon)
• iOS 17 or above (may not be strictly necessary, but I know my setup works with iOS 17.4.1)
• a password manager. I personally use 1Password because it works, is reliable, has cross-device support, and is easy and intuitive. It's also only $3/month.

Dual Sim Setup

I have been rocking an iPhone 12 for the past few years, and it's served me very well. I know the newer iPhones (14 and up) no longer offer physical SIM card support, but carriers in most developing countries are behind the curve. Even if they offer eSIM support, it's been my experience that it's a major headache to get setup, there is a lack of customer support in English, and they may even require a local ID to register the eSIM. It's way easier to just head to a shop and pay $5 for a SIM card, load some funds onto it, and then you're good to go.
The eSIM has been very helpful for maintaining a US phone number for which I can receive SMS texts from my banks and other financial services as well as continue to use iMessage with all my US contacts since hardly anybody is on Whatsapp.
Most, if not all, carriers in the US support eSIMs now, and so you should try to find a carrier that offers an international pay-as-you-go plan. Verizon offers two international plans - one is a "Travel Pass" where it's a flat fee of $10/day anywhere outside the US or Canada (even for just one text message). The other is "pay for what you use" which has a rate per text, minute, and mb. For my US plan, I only care about receiving SMS texts from my banks and the occasional phone call to a service that doesn't have an international, toll-free number. Data will always be cheaper outside the US, so I disable cellular data switching for my US line.
The last time I was in the US was for the holidays and I bought 2 used iPhone 12's for about $200 each. They have some scuffs, but they're perfectly serviceable. In LATAM, it also doesn't attract nearly as much unwanted attention in the street as an iPhone 14 or 15.
I brought these with me as extra devices. When my phone busted last month, thankfully I had a backup in iCloud and everything was loaded in a few minutes as normal. This was before I was using the eSIM, but if I had the eSIM I could just go to Verizon support online via chat and they could help me switch the line to the new device easily.

Basic Configurations

• Always use the latest version of firmware
• Require a passcode that's unique to that device.
• Use FaceID instead of passcode when possible (a thief can't snipe your passcode from a distance if you unlock your phone with FaceID)
• Set auto-lock to 30 seconds (lowest possible)
• Erase data upon excessive passcode failures note, this is complemented in a later step with daily backups. The odds of you putting in the wrong passcode 10 times is low, but in the event you do and you wipe the device by accident, you should be able to easily load in a back-up from the previous day)
• Turn off "Ask to Join Networks"
• Forget unused networks so that you don't rejoin automatically (airports, hotels, etc.)

Creating Backups

• Set iCloud backups to run automatically every night. This will allow you to load your entire phone as is (contacts, call history, iMessages, apps, even your wallpaper) onto another device during setup. The iCloud backup usually runs at 2am while I'm sleeping.
• You may need to pay for a higher tier in iCloud if you have too much stored on your phone. It's $3/month for 200gb of iCloud storage, and I find it worth it. Though I know some people with tens of thousands of photos for which 200gb might not be enough.

Password Policy

• For any accounts that may contain sensitive data (payments, PII, etc), always generate a unique password with 1Password. Don't reuse passwords. Same goes for PIN codes.
• For core accounts, create a strong but memorable password and then memorize it. The odds of getting locked out of 1Password are low if you're diligent, but for 2 or 3 core accounts (where you access money, your primary recovery email, your iCloud, 1Password), it's worth it to create strong, unique passwords for each core service and memorize them.
• I try not to reuse passwords in general, but I still sometimes am lazy and use one of my handful of typical passwords if there's no sensitive data collected by the service and it's a service I don't use often.

MFA

Set up MFA with everything. Add multiple options if possible. My preferred MFA options are as follows:

1. One-time code that renews every 30 seconds. This is device agnostic and can be stored in 1Password. You could also use Microsoft Authenticator, Google Authenticator, Authy or similar, but there's just more overhead to now recover those accounts if your device becomes inaccessible.
2. One-time code to recovery email.
3. One-time code via SMS to my US phone number. On the pay-as-you-go Verizon plan, I only pay 5 cents per text message received. It's worth it to keep one consistent number.
4. List of recovery codes (stored in 1Password as an attached txt file for the given account)
5. Use another app for verification (Google does this a lot).

Lockdown your iCloud security

• Enable MFA.
• Create a strong, unique password.
• Remove any old or unused devices from the iCloud account (old phones, ipods, etc).
• Enable "Find My" for all of your devices.
• In Find My, configure all devices to send the last known location.
• In Find My, enable the configuration to remotely wipe a device.

In the event your phone is stolen, the idea is you could run back to any of your devices or even use a friend's device to log into iCloud on the web, go to Find My, and then in a single button click you can lock and wipe the stolen device. If the thief turned off the device or disabled wifi/cellular, then as soon as it comes back online it will be wiped.

Final Clean-Up

• Move any compromising photos to the "hidden" folder (which requires FaceID or passcode to unlock)
• Review the Files app for any documents containing sensitive info. If you need these documents to be accessible on mobile, then move them to 1Password and delete them from the Files app.
• Create a shortcut to trigger the lock screen (and thus require FaceID or passcode) when specific apps are opened (banking, email, photos, etc).
• Not sure if this is best practice, but I just keep everything in 1P and turn off apple keychain and the apple built-in password manager. I also don't save passwords in Chrome or Safari.

Extra tips

These aren't really iPhone tips but general tips. They are probably obvious to you if you aren't as scatterbrained as me, but I figured that I'd drop them here in case they help someone.

• Add thorough security measures to iCloud, primary email, and any banking or financial services. Review each account and make sure you have a strong, unique password as well as a unique PIN, MFA configured, login alerts, recovery codes, and an international, 24-hour toll-free phone number stored somewhere to contact the service in the event of a crisis. For banking services, add withdrawal limits, regional restrictions (if you bounce between the same few countries), and SMS notifications for charges over a certain threshold. Open up a second checking account with a separate debit card for trips to the ATM.
• Consolidate and close any unused bank accounts. I realized that on my phone I had Revolut, Venmo, Paypal, Nequi, plus 4 US banking institutions. I took this time to close my Discover account (which is pretty much useless outside the US anyway), close my Revolut account since I'm hardly ever in the UK/EU, and consolidate investment accounts from different institutions into just a handful that's easier to monitor.

I am a new fallout fan thanks to the show and downloaded shelter mobile version to play on the go. I’ve loved it so far and have also been playing fallout 4 on the PC!
I’m halfway through the vault 33 quests and sent the ghoul out to explore. When he came back, for some reason he wasn’t coming back in after I collected his items. I was tapping while zoomed out and somehow I accidentally chose evict, saw the popup, and panicked and tapped OK. He is now gone and I am ghoul-less :((( I know you can get him from lunchboxes but I’m FTP and I’m not counting on rng.
I actually submitted a ticket to Bethesda, but I’m not banking on it. But maybe I’ll give a support person a good laugh because I really poured my heart out. I made him breed with Lucy before I evicted him and Lucy ended up choosing another partner mid-pregnancy and gave birth to a low stat baby LOL.

Sharing what I wrote on X:
It’s about so much more than being up 75%
It’s about the ppl - amid covid, out of work, exacerbated mental health problems, uncertainty, etc - we found hope and community on Reddit. An opportunity.
Many of us dealt with death, financial woes, etc - but it was so fun to follow the saga. We had a regular person at the helm. David and Goliath.
I lost my job and just had a baby. I followed along - my small investment - and thought about how I could buy a new washer and dryer with my small but mighty win.
Then the rug sweep. Powerful ppl did nothing (no surprise), and big banks screwed the little guy again.
So, EFF your $35 stock, that will never be enough. The core 25% isn’t going anywhere without 6-figure+ prices.
Small but mighty we aren’t okay that the game was rigged.
Power to the shareholders

Introduction to Chapter 8 ("Heralded by Columns of Smoke: Pee Dee River to Fayetteville, North Carolina"):
"Once across the Pee Dee River, General Sherman's army marched in the direction of Fayetteville.
"Resistance from Confederate cavalry under Generals Hampton, Butler and Wheeler was steady and continuous. Wheeler attacked at Rockingham on March 7, and Hampton surprised and captured Kilpatrick's camp on March 10. But Sherman's army marched steadily on.
"General Joseph E. Johnston, with headquarters at Fayetteville, was following General Lee's first instruction, 'Concentrate all available forces.' He moved his headquarters to Raleigh and directed the assembling of his army to Smithfield.
"Eighty-four years earlier, in January of 1781, North Carolina had suffered another march by an invading army. Lord Cornwallis and his army followed almost the same route on their way to Wilmington. This army had come three thousand miles to put down 'a rebellion'; and to pursue retreating 'rebels' through a wild and thinly scattered country. His army had passed through Cross Creek, which was now called Fayetteville.
"On March 11, General Sherman and his army entered this town. 'We have swept the country well,' he reported. 'The men and animals are in fine condition.'"
--------------------------------------------
"Miss Alice Campbell was President of the Fayetteville Knitting Society when Colonel A. H. Hickenlooper, of Sherman's army, chose her home for his five-day sojourn. Bummers also visited her."
--------------------------------------------
"'Sherman, with his hordes of depraved and lawless men, came upon us like swarms of bees, bringing sorrow and desolation in their pathway. For days we had been expecting them, and our loved boys in grey had been passing through in squads, looking ragged and hungry. We gave them food and clothing, especially shoes and socks, for many of them were bare-footed. The enemy seemed to be pouring in by every road that led to our doomed little town. Our Cavalry were contending every step, firing and falling back, covering the retreat of our gallant little band, Hardee's forces, with General Wade Hampton, Butler, and others -- the scene in our town baffled description, all was consternation and dismay. In less time than I can write this, Sherman's army was in possession of our once peaceful, quiet homes. Every yard and every house was teeming with the bummers, who went into our homes -- no place was sacred; they even went into our trunks and bureau draws, stealing everything they could find; our entire premises were ransacked and plundered, so there was nothing left for us to eat, but perhaps a little meal and peas. Chickens, and in fact all poultry was shot down and taken off with all else. We all knew our silver, jewelry and all valuables would fall into their hands, so many women hid them in such places as they thought would never be found ....
''They went into homes that were beautiful, rolled elegant pianos into the yard with valuable furniture, china, cut glass, and everything that was dear to the heart, even old family portraits, and chopped them up with axes -- rolled barrels of flour and molasses into the parlors, and poured out their contents on beautiful velvet carpets, in many cases set fire to lovely homes and burned them to the ground, and even took some of our old citizens and hanged them until life was nearly extinct, to force them to tell where their money was hidden; when alas! they had none to hide. They burned our factories, and we had a number of them, also many large warehouses, filled with homespun, and dwellings, banks, stores and other buildings, so that the nights were made hideous with dense smoke and firelight in every direction. The crowning point to this terrible nightmare of destruction was the burning and battering down of our beautiful and grandly magnificent Arsenal, which was our pride, and the showplace of our town.
''On our vacant lot behind our home .... were a number of Confederate prisoners who had been captured by Sherman's army, and placed there under guard. They numbered about one hundred, I think. They were hatless and shoeless and ragged ....'
"One of General Howard's young officers chose to stay in the home of Sally Hawthorne whose father and uncle owned two large cotton mills in Fayetteville. General Howard appropriated one of her uncle's houses and his men camped in the surrounding fields and grounds."For five days, Sally, her mother who 'refused to leave her room,' her father, and a houseful of young brothers and sisters and servants were under strict orders from the officers of invasion.
"'Never will I forget,' said the little girl, Sally, whose story follows."
--------------------------------------------
"'Those last days were busy ones for General Sherman and his staff. The beautiful arsenal was destroyed and, as it happened, several private residences also caught fire and burned down, no help being given to save them, and the helpless owners rescued little, thankful to escape with their lives. Also the office of the town paper was blown up, as the editor was an especially obnoxious person in the eyes of the invading army, having waged a bitter fight against the North, and as his office was in the centre of the business part of town, more buildings were burned. (2) Then came the last day of the occupation; the troops were gathering and horses and supplies were being moved. All horses found there were taken along and many in the surrounding country were rounded up. Then there were the warehouses of cotton and rosin. The cotton was brought out, the barrels of rosin piled on them, and all set afire in the street. If houses caught, they burned, and that was all; many did. So a pall of black smoke hung over everything and the people were in a sad state of excitement and nervous exhaustion. As many houses were without a man to help or advise, the men of the family having been killed or being still in the army, the women and children were alone with the servants. The servants, with very few exceptions, proved true to their trust; they had been left to take care of the mistress and children in the master's absence, and though much excited, and sometimes frightened, they looked after the household faithfully. Of course there were some foolish and giddy young men and women who followed the army as it moved on from place to place, but they were the exception, not the rule ....'
"'No spot seemed safe from Sherman's bummers, but homes in the country or suburbs usually suffered more keenly than those in a town or city. The experiences of an unidentified woman who lived near Fayetteville were shared by many neighbors who were visited by the men from Sherman's army."
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<< Fayetteville, N.C., March 22, 1865 >>
".... Sherman has gone and terrible has been the storm that has swept over us with his coming and going. They deliberately shot two of our citizens -- murdered them in cold blood -- one of them a Mr. Murphy, a wounded soldier, Confederate States Army. They hung up three others and one lady, merely letting them down just in time to save life, in order to make them tell where their valuables were concealed; and they whipped -- stripped and cowhided --several good and well known citizens for the same purpose.
"There was no place, no chamber, trunk, drawer, desk, garret, closet or cellar that was private to their unholy eyes. Their rude hands spared nothing but our lives, and those they would have taken but they knew that therein they would accomplish the death of a few helpless women and children -- they would not in the least degree break or bend the spirit of our people. Squad after squad unceasingly came and went and tramped through the halls and rooms of our house day and night during the entire stay of the army.'
"At our house they killed every chicken, goose, turkey, cow, calf and every living thing, even to our pet dog. They carried off our wagons, carriage and horses, and broke up our buggy, wheelbarrow, garden implements, axes, hatchets, hammers, saws, and burned the fences. Our smokehouse and pantry, that a few days ago were well stored with bacon, lard, flour, dried fruit, meal, pickles, preserves, etc., now contain nothing whatever except a few pounds of meal and flour and five pounds of bacon. They took from old men, women and children alike, every garment of wearing apparel save what we had on, not even sparing the napkins of infants! Blankets, sheets, quilts, &c., such as it did not suit them to take away they tore to pieces before our eyes. After destroying everything we had, and taking from us every morsel of food (save the pittance I have mentioned), one of these barbarians had to add insult to injury by asking me 'what you (I) would live upon now?' I replied, 'Upon patriotism; I will exist upon the love of my country as long as life will last, and then I will die as firm in that love as the everlasting hills.
''Oh,' says he, ' but we shall soon subjugate the rebellion, and you will then have no country to love.
''Never!' I interrupted, 'never! you and your blood-handed countrymen may make the whole of this beautiful land one vast graveyard but its people will never be subjugated. Every man, woman and child of us will sleep quietly in honourable graves, but we will never live dishonourable lives .....'"
"When Sherman Came: Southern Women and the 'Great March'" by Katharine M. Jones (1964). Chapter 8: "Heralded by Columns of Smoke: Pee Dee River to Fayetteville, North Carolina." New York: The Bobbs-Merrill Company, Inc. Pages 273-286.

What would stop people from withdrawing money from multiple banks and over drawing before all bank branches could be updated on the person’s balance?

Introduction to Chapter 8 ("Heralded by Columns of Smoke: Pee Dee River to Fayetteville, North Carolina"):
"Once across the Pee Dee River, General Sherman's army marched in the direction of Fayetteville.
"Resistance from Confederate cavalry under Generals Hampton, Butler and Wheeler was steady and continuous. Wheeler attacked at Rockingham on March 7, and Hampton surprised and captured Kilpatrick's camp on March 10. But Sherman's army marched steadily on.
"General Joseph E. Johnston, with headquarters at Fayetteville, was following General Lee's first instruction, 'Concentrate all available forces.' He moved his headquarters to Raleigh and directed the assembling of his army to Smithfield.
"Eighty-four years earlier, in January of 1781, North Carolina had suffered another march by an invading army. Lord Cornwallis and his army followed almost the same route on their way to Wilmington. This army had come three thousand miles to put down 'a rebellion'; and to pursue retreating 'rebels' through a wild and thinly scattered country. His army had passed through Cross Creek, which was now called Fayetteville.

"On March 11, General Sherman and his army entered this town. 'We have swept the country well,' he reported. 'The men and animals are in fine condition.'"

"Miss Alice Campbell was President of the Fayetteville Knitting Society when Colonel A. H. Hickenlooper, of Sherman's army, chose her home for his five-day sojourn. Bummers also visited her."
"'Sherman, with his hordes of depraved and lawless men, came upon us like swarms of bees, bringing sorrow and desolation in their pathway. For days we had been expecting them, and our loved boys in grey had been passing through in squads, looking ragged and hungry. We gave them food and clothing, especially shoes and socks, for many of them were bare-footed. The enemy seemed to be pouring in by every road that led to our doomed little town. Our Cavalry were contending every step, firing and falling back, covering the retreat of our gallant little band, Hardee's forces, with General Wade Hampton, Butler, and others -- the scene in our town baffled description, all was consternation and dismay. In less time than I can write this, Sherman's army was in possession of our once peaceful, quiet homes. Every yard and every house was teeming with the bummers, who went into our homes -- no place was sacred; they even went into our trunks and bureau draws, stealing everything they could find; our entire premises were ransacked and plundered, so there was nothing left for us to eat, but perhaps a little meal and peas. Chickens, and in fact all poultry was shot down and taken off with all else. We all knew our silver, jewelry and all valuables would fall into their hands, so many women hid them in such places as they thought would never be found ....
''They went into homes that were beautiful, rolled elegant pianos into the yard with valuable furniture, china, cut glass, and everything that was dear to the heart, even old family portraits, and chopped them up with axes -- rolled barrels of flour and molasses into the parlors, and poured out their contents on beautiful velvet carpets, in many cases set fire to lovely homes and burned them to the ground, and even took some of our old citizens and hanged them until life was nearly extinct, to force them to tell where their money was hidden; when alas! they had none to hide. They burned our factories, and we had a number of them, also many large warehouses, filled with homespun, and dwellings, banks, stores and other buildings, so that the nights were made hideous with dense smoke and firelight in every direction. The crowning point to this terrible nightmare of destruction was the burning and battering down of our beautiful and grandly magnificent Arsenal, which was our pride, and the showplace of our town.
''On our vacant lot behind our home .... were a number of Confederate prisoners who had been captured by Sherman's army, and placed there under guard. They numbered about one hundred, I think. They were hatless and shoeless and ragged ....'
"One of General Howard's young officers chose to stay in the home of Sally Hawthorne whose father and uncle owned two large cotton mills in Fayetteville. General Howard appropriated one of her uncle's houses and his men camped in the surrounding fields and grounds."For five days, Sally, her mother who 'refused to leave her room,' her father, and a houseful of young brothers and sisters and servants were under strict orders from the officers of invasion.
"'Never will I forget,' said the little girl, Sally, whose story follows."
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"'Those last days were busy ones for General Sherman and his staff. The beautiful arsenal was destroyed and, as it happened, several private residences also caught fire and burned down, no help being given to save them, and the helpless owners rescued little, thankful to escape with their lives. Also the office of the town paper was blown up, as the editor was an especially obnoxious person in the eyes of the invading army, having waged a bitter fight against the North, and as his office was in the centre of the business part of town, more buildings were burned. (2) Then came the last day of the occupation; the troops were gathering and horses and supplies were being moved. All horses found there were taken along and many in the surrounding country were rounded up. Then there were the warehouses of cotton and rosin. The cotton was brought out, the barrels of rosin piled on them, and all set afire in the street. If houses caught, they burned, and that was all; many did. So a pall of black smoke hung over everything and the people were in a sad state of excitement and nervous exhaustion. As many houses were without a man to help or advise, the men of the family having been killed or being still in the army, the women and children were alone with the servants. The servants, with very few exceptions, proved true to their trust; they had been left to take care of the mistress and children in the master's absence, and though much excited, and sometimes frightened, they looked after the household faithfully. Of course there were some foolish and giddy young men and women who followed the army as it moved on from place to place, but they were the exception, not the rule ....'
"'No spot seemed safe from Sherman's bummers, but homes in the country or suburbs usually suffered more keenly than those in a town or city. The experiences of an unidentified woman who lived near Fayetteville were shared by many neighbors who were visited by the men from Sherman's army."
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<< Fayetteville, N.C., March 22, 1865 >>
".... Sherman has gone and terrible has been the storm that has swept over us with his coming and going. They deliberately shot two of our citizens -- murdered them in cold blood -- one of them a Mr. Murphy, a wounded soldier, Confederate States Army. They hung up three others and one lady, merely letting them down just in time to save life, in order to make them tell where their valuables were concealed; and they whipped -- stripped and cowhided --several good and well known citizens for the same purpose.
"There was no place, no chamber, trunk, drawer, desk, garret, closet or cellar that was private to their unholy eyes. Their rude hands spared nothing but our lives, and those they would have taken but they knew that therein they would accomplish the death of a few helpless women and children -- they would not in the least degree break or bend the spirit of our people. Squad after squad unceasingly came and went and tramped through the halls and rooms of our house day and night during the entire stay of the army.'
"At our house they killed every chicken, goose, turkey, cow, calf and every living thing, even to our pet dog. They carried off our wagons, carriage and horses, and broke up our buggy, wheelbarrow, garden implements, axes, hatchets, hammers, saws, and burned the fences. Our smokehouse and pantry, that a few days ago were well stored with bacon, lard, flour, dried fruit, meal, pickles, preserves, etc., now contain nothing whatever except a few pounds of meal and flour and five pounds of bacon. They took from old men, women and children alike, every garment of wearing apparel save what we had on, not even sparing the napkins of infants! Blankets, sheets, quilts, &c., such as it did not suit them to take away they tore to pieces before our eyes. After destroying everything we had, and taking from us every morsel of food (save the pittance I have mentioned), one of these barbarians had to add insult to injury by asking me 'what you (I) would live upon now?' I replied, 'Upon patriotism; I will exist upon the love of my country as long as life will last, and then I will die as firm in that love as the everlasting hills.
''Oh,' says he, ' but we shall soon subjugate the rebellion, and you will then have no country to love.
''Never!' I interrupted, 'never! you and your blood-handed countrymen may make the whole of this beautiful land one vast graveyard but its people will never be subjugated. Every man, woman and child of us will sleep quietly in honourable graves, but we will never live dishonourable lives .....'"
"When Sherman Came: Southern Women and the 'Great March'" by Katharine M. Jones (1964). Chapter 8: "Heralded by Columns of Smoke: Pee Dee River to Fayetteville, North Carolina." New York: The Bobbs-Merrill Company, Inc. Pages 273-286.