Proof of rent sample letters

Let's fight back against student loan debt servitude

2014.09.14 12:21 daiyuesen Let's fight back against student loan debt servitude

Student Loans Defaulters
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2014.02.04 05:00 GamingRedditor Expand Dong

CNN: Anonymous Basement Dweller Edits Posters for Funky Munky Image Board, World Leaders Humbled; "Inspirational"
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2009.11.01 02:22 kostakrauth r/HTPC - Home Theater PC

Home Theater PC - Drive your home theater media experience with a PC or media device.
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2024.05.14 23:46 rain56 So the company that owns the apartment I rent was recently found guilty of using ai to artificially inflate rent prices. Does my rent go down?

They already sent out letters saying rent is going up 400$ but then a few weeks later (this week) they were found guilty. Sooo does it even matter or are they just going to get fined a couple hundred thousand dollars, create new fines and charges for us renters to cover tjat fine then continue to raise rent 400$ a year? Cause if so what's the point? How do we win? They were literally just found guilty of some really serious shit and I bet you it won't go anywhere for us and the burden of that fine they'll get will be on us the renters. They should be forced to lower all rent prices by a very significant amount and then forced to not be allowed to raise them by more than idk 50 to 100 bucks every few years. I looked it up and wiedner the company I rent from made something like 8 billion in profit in 2023 they really don't have any business raising anyone's rent at all.
submitted by rain56 to NoStupidQuestions [link] [comments]


2024.05.14 23:46 Quankin PSA for new Online Poker players

Ensure that the poker site you play on has agreed that the way you intend to prove your identity and address meets their policy. And be aware that policy may differ to norms used in your jurisdiction.
So I've been playing on GGPoker for a few weeks now, deposited a few bucks to take advantage of their deposit bonus and honeymoon promo (which is some real shady bait and switch shit, but I digress) only to find myself in the situation of having to prove my ID and address now, as another member of my household created an account, which whilst within the rules of site if you don't sit at the same table, did trigger a multi-account ban.
Now did GG ask for proof of address or ID when they took my money? No of course not. Well they're asking for it now.
No problem I thought, as per UK government guidance a UK driving licence in combination of with a passport is considered solid undeniable proof of identity AND address. This is pretty much my only option, as I don't directly pay the utilities, and I am currently on a career break studying for a Masters degree online, so I don't receive any communications with my name and address on.
Well not according it GG it aint. Why you may ask, when it absolves GGPoker of all liability should you commit fraud or money laundering on their site, as they followed the UK government guidance? Because Fuck You, that why. Even the fucking gambling commission in the UK accepts drivers licence as proof of address when making a request for any personal information they may hold on you, so why don't you GG? Source: https://www.gamblingcommission.gov.uk/about-us/guide/page/accessing-your-personal-data
What about bank statements you may ask? Well apparently you can't redact ANY information from the document you provide. So I have to trust some guy earning minimum wage with my full bank account details, as opposed to when I securely deposited my money with the full protection of encryption that even a supercomputer working until the heat death of the universe couldn't crack? Fuck that.
What about other documents then? Well I did spend ages verifying my ID with HMRC in order for them to produce a letter with the only piece of identifying information on it being my National Insurance number. Not ideal you may say, but I say better then my bank details.
So off it goes to the GG support, but no apparently a dated letter with my name and address on it from a government department is not proof of ID. And now that I've typed all this rant out I do realise there is one readily accessible utility bill that I personally pay: my mobile phone, and the piece of information on that (apart from name and address ofc) is the amount of money I pay to my operator. Check mate motherfuckers, now I can withdraw all my money and fuck off back to Stars.
Thank you for reading my rant, and moral of the story: Its legal for GG to take your money and launder it, but its not legal for you to get your money back having laundered it (which I'm not, scout's honour).
And always always make sure the site your playing on won't make you jump through a shit ton of hoops in hope you'll just give up on withdrawing those 20 bucks, as for the site as a whole they all add up.
submitted by Quankin to poker [link] [comments]


2024.05.14 23:44 Designer-Ant8882 Documents Required for France Visa appointment in Seattle

Hi, I’m a non-US citizen applying for a Schengen Visa at the France temp location in Seattle. Wanted to confirm what documents are required apart from the ones listed below And if there’s anything else I should keep in mind please let me know as well
  1. Visa application form + Receipt
  2. Passport (original + photo copy)
  3. Current US visa (original + photo copy)
  4. Passport Size Photos (2)
  5. Latest I94
  6. Proof of Employment (Offer Letter + 3 recent paychecks)
  7. 3 recent bank statements
  8. Hotel booking (have booked one with free cancellation during required visa duration)
  9. Flight tickets (will buy one day before the appointment for free cancellation in 24 hr)
  10. Medical insurance certificate (will buy a couple days before the appointment)
Do I also need an itinerary with all the spots I plan on visiting? I’ve requested a 3 week visa with Paris as my only destination so just showing a hotel booking and flights for Paris should be good I guess? Please let me know if I’m missing something! Will post my experience here later! Thanks!
submitted by Designer-Ant8882 to SchengenVisa [link] [comments]


2024.05.14 23:40 ByBlondie My ex took the dog but he signed ownership to me??

This happened on 27th April.
I've gathered evidence to get ownership of the dog solely in my name and a solicitor sent out a letter of demand on Friday.
He was gifted to us back in October 2022 from his mum.
I have been his primary carer ever since; I've done everything for him however the microchip is in his name (but he signed all details over to me except the name on the microchip..) the KC register and insurance are in his name. We split up in October last year and dog remained with me whilst he moved back in with his mum 2 hours away.
In February we both signed a written contract i typed up and printed out that said he owes me money and that ownership of the dog stays solely with me because he's in 40k worth of debt, has a history of taking cocaine and being irresponsible and staying out all hours of the day whilst I'm stable and work from home.
He assaulted me on the 27th and took him from me and he's under criminal investigation with police for a lot of stuff he's done to me but they cannot recover the dog.
With everything I've provided (proof of gift, proof that he's been with me and would stay with me, the signed contract, vet bills, witness statements saying I've been looking after him alone receipts for food etc) if it ends up in court would it be me who would get him? I feel like he's going to ignore the letter like he always does with stuff like this.
Also if it does go to court and I fill out an N1 can anyone provide some advice on what I should be writing and what the turnaround is? I miss my boy like mad and i hate that he might think I've abandoned him.
Thanks
submitted by ByBlondie to LegalAdviceUK [link] [comments]


2024.05.14 23:37 Teeb20 Changing electric boiler to gas, no gas connection in flat.

Bit of a long story. Im in England.
I bought a flat, now trying to rent it having moved for work.
It used to be a 3 bed flat but was split into 2 one beds. My neighbour has a gas combi boiler. I have an electric combi. Not sure why the seller (who did the rennovation) didnt install gas in my flat too. I assumed it couldnt be done but now im thinking they were cutting costs.
Original EPC for my flat was D - stating it had gas mains heating - this is incorrect but I didnt notice the error at the time.
The TA6 form says no gas.
I got a new EPC done through the property manager. Its an F due to the electric combi boiler so I cant rent it without an exemption or making upgrades.
I cant add more insulation as it has vaulted ceilings and timber walls in a listed building. Half the flat is a new extension and is double glazed and insulated. Ive put in low energy bulbs and even got the sash window renovated and draft proofed. Basically im stuck with having to upgrade the heating.
Im speaking to my solicitor about the EPC error - could be negligence/an error or fraud, who knows. Perhaps its on me.
My questions are - how can I connect to mains gas? My neighbours boiler is the other side of the wall that my boiler is on. There is gas to the property and within about 15cm of my boiler cupboard.
Will the EPC affect the value? - I kind of dont want the headache so would sell it if Im not going to lose money.
Im thinking connecting the flat to mains will be around £1k if it can even be done. A new combi boiler and installation £2-3k - is that realistic?
If I can make the upgrades and let it for an OK amount or sell it without losing money Ill do that. If it wont affect resale value then i'll just get rid of it. I dont want to get an expemtion and have cold tenants or have to charge less rent.
submitted by Teeb20 to HousingUK [link] [comments]


2024.05.14 23:30 Due-Resource4294 [REQ] (£375) (#Liverpool, Merseyside,UK) (Repay £450 by 31st May) (Bank Transfer)

I’ve recently posted about how I’ve used this successfully before, and am running into an issue regarding my tenancy renewal this week.
Due to the circumstances changing and my contract being updated, I am required to pay a deposit, as well as my rent when I re sign.
I initially requested more, but a friend has said they can help me out with some of it.
I have all ID and Supporting wage slips and statements needed. I’m paid both weekly on Fridays, and monthly on the final day of the month. Due to having two jobs as a care worker. Again proof is available.
Thanks.
submitted by Due-Resource4294 to borrow [link] [comments]


2024.05.14 23:26 rheckber Confused about medical benefits

I recently got 10% Service Connected for Tinnitus and not approved nor service connected for hearing loss. In reading the welcome letter and my benefit letters on VA.gov it says I now have medical coverage? I signed up a few years ago for VA Health when they were doing COVID vaccines (but never got one there nor have I ever been treated at a VA facility.
The Proof of Minimal Essential Coverage Letter says:
Dear Mr. . . . :
I am pleased to confirm your enrollment in the Department of Veterans Affairs (VA) health care system. Your enrollment satisfies the requirement to have health care coverage under the Affordable Care Act, which you may know as "ACA" or "health care law".
What This Means to You
You have access to comprehensive health care services at VA facilities anywhere in the country. You can use these services even if you have Medicare, Medicaid, TRICARE, or private health insurance coverage.
There are no enrollment fees, monthly premiums, or deductibles. However, you may have to pay VA small copayments for your health care or medications.
You do not have to take any action to renew your annual enrollment status. VA will notify you if anything changes in your enrollment.
You do not need to take additional steps to meet the health care law coverage standards.
The Welcome Pamphlet also talks about priority groups and 10% SC disability being Priority Group 3 and also says
What care and services does VA health care cover?
Each Veteran’s medical benefits package is unique. Yours will include care and services to help:
All Veterans receive coverage for most care and services, but only some will qualify for added benefits like dental care. The full list of your covered benefits depends on:
I always assumed any VA medical coverage would only cover things related to the specific disability and not to other health issues/items. Does this mean I can use the VA for other medical issues. Things like prescriptions and lab tests as well as emergency/urgent care? It also mentioned Auditory, possibly Dental and Vision coverage (heard varying things on vision). How does this work with Medicare or private insurance?
Thanks for any info!
submitted by rheckber to VeteransBenefits [link] [comments]


2024.05.14 23:22 Right_Trick_5848 [H] 60-70% Most Payments [W] Amazon GC UK/DE/FR/ES Razer Gold UK/GBP: Most UK Gift Cards e.g ASDA, Argos, Tesco, Currys, John Lewis etc ...

***My Impersonators (DO NOT TRADE WITH): Right-Trick-5848, righttick_5848 Note the misspellings, note the dash "-" instead of the underscore "_", always verify it is me in PMs
Amazon DE Germany, FR France, ES Spain @ 60%
Razergold Global/USA @ 65%
Steam: Any currency @ 60%
UK: Amazon, Asda, Currys, Argos, Tesco, Sainsburys, Morrisons, John Lewis, Love2Shop, One4all, Justeat, Wickes, Ikea, Screwfix, Deliveroo, Ubereats, Cex, Uber, Game, TKMaxx, Whsmiths, M&S, Marks and Spencer etc @ 60-70%
UK other cards but at lower rates: ASOS,Accessorize,Adidas,Aer Lingus,Airbnb,Allsaints,American Golf,Apple Itunes,Ask Italian,B&Q,Beaverbooks,Bella Italia,Bonus Bonds,Boohoo,Boots,Boux Avenue,Bunnings,Burberry,Cafe Rouge,Caffe Nero,Claires,Clarks,Coast,Compliment Vouchers,Compliments Experience Days,Coop,Costa Coffee,Dining Out,EE,Ernest Jones,Espa,Everyman Cinema,Experience Days,Fat Face,Flannels,Foot Locker,Fortnum & Mason,Frankies & Bennys,Gap,Giffgaff,Goldsmiths,Google Play,H&M,H.Samuel,HMV,Halfords,Harrods,Harvey Nichols,Hollister,Hotel Chocolat,House of Fraser,Jack Wills,Jd Sports,Karen Millen,LMG Jewellery,Lakeland,Lasiguanas,Leisure Vouchers,Liberty,Mamas & Papas,Mango,Matalan,Michael Cors,Miller & Carter,Monsoon,Moss Bros,Nandos,National Book Tokens,National Rail,Netflix,New Look,Next,Nike,Nintendo,Now TV,O2,Odeon,Pandora,Paul Smith,Pets at home,Pizza Express,Pizza Hut,Play Store,Playstation PSN,Prezzo,Primark,Quiz Clothing,Red Letter Days,Restaurant Choice,River Island,Selfridges,Signet Connect,Spafinder,Sports Direct,Spotify,Sunglass Hut,Superdry,Swarovski,Sweaty Betty,Ted Baker,The Body Shop,The Jockey Club,The Range,The White Company,Theatre Tokens,Thomas Pink,Three,Ticketmaster,Trailfinders,Tui,Turtle Bay,UGG Australia,Victoria Secret,Virgin,Virgin Experience Days,Vue Cinema,Waterstones,Wh Smith,WhSmith,Xbox Microsoft,Zara
Star.bucks: Any currency @ 50%
Rates are for paypal G&S, if paypal F&F then 5% less, if anything else then 10% less.
If no proof of source of gift card or low value then 5% less
My confirmed trades pinned in my profile (plus GCX registered "Experienced trader")
can pay by transferwise, paypal, skrill, revolut, most crypto listed on binance, ethereum eth, litecoin ltc, bitcoin btc.
gift codes one 4 all tk maxx
submitted by Right_Trick_5848 to GCTrading [link] [comments]


2024.05.14 23:21 Right_Trick_5848 [H] 60-70% Most Payments [W] Amazon GC UK/DE/FR/ES Steam Wallet: Any UK/GBP: Most Gift Cards e.g ASDA, Argos, Tesco, Currys, John Lewis etc ...

***My Impersonators (DO NOT TRADE WITH): Right-Trick-5848, righttick_5848 Note the misspellings, note the dash "-" instead of the underscore "_", always verify it is me in PMs
Amazon DE Germany, FR France, ES Spain @ 60%
Razergold Global/USA @ 65%
Steam: Any currency @ 60%
UK: Amazon, Asda, Currys, Argos, Tesco, Sainsburys, Morrisons, John Lewis, Love2Shop, One4all, Justeat, Wickes, Ikea, Screwfix, Deliveroo, Ubereats, Cex, Uber, Game, TKMaxx, Whsmiths, M&S, Marks and Spencer etc @ 60-70%
UK other cards but at lower rates: ASOS,Accessorize,Adidas,Aer Lingus,Airbnb,Allsaints,American Golf,Apple Itunes,Ask Italian,B&Q,Beaverbooks,Bella Italia,Bonus Bonds,Boohoo,Boots,Boux Avenue,Bunnings,Burberry,Cafe Rouge,Caffe Nero,Claires,Clarks,Coast,Compliment Vouchers,Compliments Experience Days,Coop,Costa Coffee,Dining Out,EE,Ernest Jones,Espa,Everyman Cinema,Experience Days,Fat Face,Flannels,Foot Locker,Fortnum & Mason,Frankies & Bennys,Gap,Giffgaff,Goldsmiths,Google Play,H&M,H.Samuel,HMV,Halfords,Harrods,Harvey Nichols,Hollister,Hotel Chocolat,House of Fraser,Jack Wills,Jd Sports,Karen Millen,LMG Jewellery,Lakeland,Lasiguanas,Leisure Vouchers,Liberty,Mamas & Papas,Mango,Matalan,Michael Cors,Miller & Carter,Monsoon,Moss Bros,Nandos,National Book Tokens,National Rail,Netflix,New Look,Next,Nike,Nintendo,Now TV,O2,Odeon,Pandora,Paul Smith,Pets at home,Pizza Express,Pizza Hut,Play Store,Playstation PSN,Prezzo,Primark,Quiz Clothing,Red Letter Days,Restaurant Choice,River Island,Selfridges,Signet Connect,Spafinder,Sports Direct,Spotify,Sunglass Hut,Superdry,Swarovski,Sweaty Betty,Ted Baker,The Body Shop,The Jockey Club,The Range,The White Company,Theatre Tokens,Thomas Pink,Three,Ticketmaster,Trailfinders,Tui,Turtle Bay,UGG Australia,Victoria Secret,Virgin,Virgin Experience Days,Vue Cinema,Waterstones,Wh Smith,WhSmith,Xbox Microsoft,Zara
Star.bucks: Any currency @ 50%
Rates are for paypal G&S, if paypal F&F then 5% less, if anything else then 10% less.
If no proof of source of gift card or low value then 5% less
My confirmed trades pinned in my profile (plus GCX registered "Experienced trader")
can pay by transferwise, paypal, skrill, revolut, most crypto listed on binance, ethereum eth, litecoin ltc, bitcoin btc.
gift codes one 4 all tk maxx
submitted by Right_Trick_5848 to giftcardexchange [link] [comments]


2024.05.14 23:17 certifiablestupidity Hertz messed up on my rental agreement

I recently rented a car from Hertz at Norfolk Airport. When I rented the car, I opted for the Loss Damage WaiveProtect the Car charges. However, I later found out that the Loss Damage Waiver was declined without my knowledge, and there are no charges on any of my credit cards or accounts. I have evidence of the charges when I initially reserved the car, which indicated how much I was supposed to pay, but the final receipt does not reflect this payment.
I am frustrated because I am unable to reach the Hertz location at Norfolk Airport to confirm the transaction, as they do not respond to calls. This is causing me problems as I am unable to provide proof of insurance to my attorney due to this error.
Unfortunately, I got involved in an accident due to the reckless driving of another person, and my car flipped. I am concerned that without the Loss Damage Waiver from Hertz, they might try to claim damages for any damage done to my vehicle. I'm hoping to resolve this as swiftly as possible, but I'm considering whether I should sue them. How would I go about building a case for something like this?
submitted by certifiablestupidity to AskALawyer [link] [comments]


2024.05.14 23:08 MW240z HOA rules

Happened in late 90s to a good buddy of mine. Lived in Bay Area CA in an old subdivision built 1900s to 1930s for the most part. HOA is super relaxed. Mostly not enforced unless a big issue. Basically used to upkeep gardens in the neighborhood.
JD is building an addition on his house. He asked the folks on all sides if it was an issue. It was not. Several neighbors had done similar.
Folks behind them (Lori) said it was cool. Addition is built 90%. Lori is friends with Maria - she lives 5-6 houses away. Maria puts a bug in Lori’s ear about how terrible this is. Finds the clause in the 1912 HOA that the addition was 3 feet over the limit. JD tries to say these are old, outdated rules that he can give 12+ examples other people have violated, no avail.
JD gets a cease building notice. Told to tear it down. 10 months legal battle. Literally ruins relationships of parents, kids…just a huge pain in the ass over nothing.
Lori avoids JD and family. Maria is smug and a huge a hole speaking at every HOA meeting taking the mantle on this fight. Literally yells at JD and his wife when she sees them.
JD gets word the final decision is coming to a head. All parties involve in a packed HOA meeting. Maria pressed her point to get it torn down. JD gets up and says, “Ok, fine. I’ll accept your ruling to tear it down. If we’re going to stick to the letter of the law of these outdated rules then turn to page 127 section 1 - “No minorities will be allowed to live, rent or stay in said neighborhood….” Goes on to list every minority you can think of.
Maria is Hispanic. Her face goes pale.
JD goes, “Are we done with this bullshit?”
They were. HOA rejected, he finished addition. Neighbors all hate each other. Maria moved away shortly thereafter.
AHs and HOAs. JD won but they even moved away a few years later. Didn’t need to happen.
submitted by MW240z to pettyrevenge [link] [comments]


2024.05.14 23:01 MortgageRich3613 [For Hire] WGU Help for Stat Math Course Online Reddit U.S History Algebra English Composition Biology Chemistry Accounting Psychology Sociology Statistics Precalculus PACA Politics Online Helper Reddit WGU Quiz Test Class Full Course Assignment Exam Homework taker reddit do my WGU Exam Reddit

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submitted by MortgageRich3613 to Statisticshelpers_ [link] [comments]


2024.05.14 22:59 LadyfaeX Help recovering from the worst 2 years of my life

Hi y'all.
I am bipolar and until recently, I was living, unmedicated, during some of the most trying years of my life because of a lack of insurance. Thankfully my friend told me about Callen Lorde, but not soon enough. I was in a state of catatonic depression before this, unable to work while moving, housing my relative and trying to get my siblings out of foster care. I feel like I am waking up from a terrible nightmare but I am behind on everything! Rent, my storage space is locked, my phone is lost and the debt keeps piling. I am more than happy to provide any proof necessary and to go more into any details you like. My paypal me link is : @ mistressfae31 Thank you!
submitted by LadyfaeX to Donation [link] [comments]


2024.05.14 22:49 bubblegumbaker Tales of the Burnt Out Barista

Long Vent/StoryTime.
I used to love my job. I loved being a barista
I would come in smiling just because I got to make drinks, work with people who also loved making drinks, and watch as these customers got what they wanted. I prided myself on memorizing every recipe. Every standard. Not a single thing was out of place. Sure there were drinks I didn’t like making, and the few customers who were rude were hard, but it was worth it.
My very first job. I loved it. It was my pride. I worked at a Tom Thumb Starbucks Kiosk. It was hard since I didn’t have any training, but I felt love in my work.
Fast forward to September, and everyone I worked with had now left. I was asked to be the new manager. I felt ecstatic, I was chosen to make the kiosk my own!
The first thing I wanted to do was make sure all baristas knew each other and worked together. Then make sure they all have the same training. Then add samples to boost sales. Then the cleaning routine evenly split between shifts. I had these plans and ideas.
About a month in, I noticed that my director was scheduling people outside of their availability. So I took it upon myself to make sure everyone got the shifts they needed according to the availability sheets I made. Then people started calling out. Sickness. Birthdays. Car trouble. Had prior obligations. Medical appointments. Excuse after excuse come in. And I gladly work the shifts. Because I loved my job.
Holiday came and went. No one had seen the work I did. My director consistently screamed at me because my baristas weren’t following what I was telling them. So I asked to make the schedule and take people off and write them up if it continued. I wasn’t granted that power. “Your job is to make people come in. If they don’t, you do, there is no excuse”
I worked tirelessly. Not able to manage the people under me. Not being heard by the people above me. I was the only manager in the entire store who didn’t do their schedule. I found out I was also paid significantly less than all the other department managers. Not .50 1.00, but 5 and 10 dollars less. With the same amount of experience.
Recently I’ve had no one come in on weekends. I open. Close. Do mid. Clean. Organize. And restock. All on my own. We also had 2 corporate locations close for remodel, so we’re pulling in 10-12 times the amount of customers. An average day 3 months ago was $500 and now I’m doing $6000 all by myself. Cold Bar. Warming. Customer Support. Bar. It’s just me. I’ve collapsed multiple times from sheer exhaustion and working alone 15 hours with no break 3-4 times a week. I’ve called HR. I’ve called my local labor departments. I’ve talked with my doctors and therapist.
Sunday was my breaking point. I’m now on bed rest by recommendation from my doctor because I’ve thrown out my back. Mother’s Day BOGO ruined me. And I had regular customers come back and say “what happened to the old -Aki- I used to see?” And I just sit there with bags under my eyes and tears down my face. Because I don’t know what happened. I don’t know what I did wrong.
I need my job. I can’t live without my $16/hr, and there isn’t another job paying that much around me, nor has corporate Starbucks accepted any of my applications. I was kicked out of my parents at 18. I have to be able to afford rent. I don’t have another option. I’m only 19 years old.
I used to love my job. And now. It’s slowly killing me. I can’t even begin to imagine what life could have been if I never worked at this store. This hell is the Tale of the Burnt Barista.
-Aki (not my real name)
submitted by bubblegumbaker to starbucksbaristas [link] [comments]


2024.05.14 22:40 ConfidentLeg7645 Japan (Honshu) 3 Week Spring Trip Report. A perfect trip (almost)!.

LONG POST WARNING
Hello everyone,
My partner (24F) and I (25M) returned home from our 3-week Japan trip last week and due to us using this sub a lot during our planning I thought it would be helpful for other current planners to upload a trip report.
Our main interests are Japanese traditions and history, street style/culture, and food so keep reading if these interests are mutual. Read to the bottom to see how much we spent plus some tips and disappointments.
Prelude
We were caught up in the madness at Dubai airport during our layover. Long story short; Airport (and the rest of Dubai) flooded and caused all the flights to be cancelled. What was meant to be a 5-hour layover turned into a torturous 36 hour wait. No staff to be seen, crowds of people arguing, fighting, and crying. We queued for 12 hours to get a new boarding pass for the next flight to Japan. We were meant to fly to Haneda but settled for Narita as we needed to get out of that place as soon as possible but still ended up missing our first day in Tokyo (should have had 5 days). We can’t complain too much as some of the people I spoke to on emirates were in the airport for up to 5 days before getting a flight back to their departure destination. Oh, and our baggage was missing with us only receiving our checked in bags on day 19. Cheers Emirates.
Day 1
Arrived in Shinjuku around midnight. We went straight to Don Quiojte to buy some replacement cosmetics and clothes. The combination of no good-quality sleep for 48 hours and the stimulating nature of the store was very intense! We then started to walk back towards the hostel and passed a Ichiran, so dropped in for some 2am ramen. Not the best ramen I’ve ever had but was still very good for the price.
Steps: 21,643 (includes some airport steps)
Day 2
Woke up and ate the free breakfast at the hostel (this turned out to be a really good money saver for the whole trip as we are not huge eaters in the morning anyway, but it was good to get something light in us before a long day walking). We then walked through the Shinjuku Gyoen Garden – saw some late blooming cheery blossoms and overall, it was a really beautiful botanical garden.
The next stop was Meji Shrine and a walk through Yoyogi park. The shrine was cool to see, especially as it was our first one in Japan. Saw a middle-aged man wearing denim hotpants so short that his balls were hanging out?!?!
Walked to Shibuya to see the scramble. This was cool but also felt it was a bit underwhelming at ground level but the view from Shibuya station walkway was wicked. Lunch was at a conveyor belt sushi place on the top floor of this department store right next to the scramble. This would be higher than average quality sushi in Europe, so it blew our minds that it was available on the top floor of a department store and for so cheap.
Shimokitazawa – We picked up some bargains at 2nd street and I treated myself some Japanese jeans from a small Demin shop called Bears. The guy in the shop was super helpful and friendly and even tailored the trousers to exactly my size.
In the evening, we first had a poke around Golden Gai and then headed towards Shibuya and stopped in a cool bar where the owner was mixing vinyl while he mixed your drinks (think it was called Q Bar).
We had previously bought tickets to a gig at Circus for one of my fav rappers who I’d been wanting to see for a while. Also really enjoyed seeing the local Japanese warm up acts. Stayed until 5am and then go the train straight to the Tsukiji outer fish market. Was there way too early and had to wait roughly an hour for thing to open. Went to chill by a bench for a bit and by the time we went back to the market it was rammed! Went to bed around 8:30am.
Steps: 32,159
Day 3
We woke up at 2:30pm, got ready, and headed to the Bunkyo civic centre for the free observation deck. We heard it wasn’t meant to be the best Tokyo skyline view but for a free attraction we thought it was very good! Jimbocho book town was also very cool to see. We had a peak into a couple adult movie/magazine stores where I don’t think the owner appreciated our presence as western tourists.
In the evening, we first went for Ramen at Motenashi Kuraki in Asakusa Bashi. Honestly probably the best Ramen I’ve had to date. I ordered the Black Pepper Shio special, and it blew my mind. Even though the staff didn’t speak English they were very accommodating for my partner who doesn’t eat meat (pescetarian but will brave a meaty broth).
We then had a stroll around Akihabara and played some dance mat games in the arcades before heading back for an earlyish night.
Steps: 28,680
Day 4
I couldn’t sleep so got up around 3am and did some admin stuff to try and get our bags back to us ASAP. Chatted to people in the hostel for a few hours.
We arrived at Senso-ji for around 8am. Wasn’t too busy at this time and the temple was impressive. Went for a coffee down the road and had a chill for about an hour before heading into Asakusa. Got admission to the Drum museum which was wicked. Only 400 yen each and had the whole place to ourselves to smack some big fucking drums and make as much noise as we wanted.
We then started to head towards Ueno but made a slight detour to Kappabashi Dougu street to peruse the Japanese chef knives and other cookware. Grabbed lunch from a 7/11 and went and sat in Ueno park which was super busy. There was some food market event on which loads of food stalls had set up. There was also a stage with some J-pop performers and people dressed as ninjas dancing in the crowd. Weird to say the least. By mid-afternoon we were pretty tired so headed back to the hostel for a nap.
In the evening, we headed down to Harajuku and stopped by Big Love records. My partner is really into vinyl, so this was definitely a highlight for her. She picked up Wu Tang 36 chambers in case you were wondering. We then went for food at Afuri as my partner wanted to try the Vegan ramen to which she said it was ok but nothing special. My cold dipping noodle dish was very tasty, however. We then stumbled across this vinyl listening bar called Bar Music on the 5th floor of this pokey building on the outskirts of Shibuya for a few drinks before bed. There was such a good vibe in there and the cocktails were super good for the price. If you’re looking for a romantic spot, then this is the place to go.
Steps: 31,818
Day 5
Today we headed to Kyoto on the shinkansen around midday after a slow morning chilling in and around the hostel and catching up on some sleep. Checked in to the hostel and had a walk around downtown Kyoto, stopping at 2nd Street to buy some more clothes.
In the evening, we headed to Kodai-Ji to see the shrine lit up at night. We couldn’t believe how few people were there as it was stunning and truly magical place to be at night. It also has a bamboo grove (much better than Arashiyama, see below). The bar for Kyoto shrines/temples had been set very high.
Walked down Pontocho alley and stopped at a yakitori restaurant which was just ok. We knew it was going to be average when we looked around the restaurant and it was just western tourists dining.
Steps: 25,255
Day 6
First thing in the morning we rented bikes and cycled across the city to Arashiyama. Parked the bikes at the train station and walked up through Arashiyama. We were expecting it to be busy but there were so many people it was almost impossible to move. Had a look around the bamboo grove and was slightly underwhelmed after our visit to Kodai-Ji so we took the tram and then bus up to Kosan-Ji. This was very much worth the 45-minute journey as there was only one other group there and the temple nestled between the trees overlooking the river was breath-taking. On the whole, Arashiyama was way too packed during peak times to enjoy and with everything else Kyoto has to offer we wouldn’t say it was a must see.
We then picked up the bikes from the train station and cycled back across Kyoto taking the long route to explore and get lost. Once we dropped off the bikes, we went for another explore and this time went into WeGo for more clothes shopping. At this point we’d pretty much matched the amount of clothing that we had packed in our checked-in luggage that was still stuck in Dubai.
After a nap we walked towards the metro and stopped at a Katsu restaurant as we wanted to try something different, and it was pretty good. For the price of 1300 yen each we got so much food/sake and left stuffed.
Fushimi Inari in the evening. Like Kodai-Ji, we would recommend visiting Fushimi Inari at night. Firstly, to help avoid the crowds (we got there around 9pm and there was hardly anybody there) and secondly as seeing it lit up at night is a nice change. It was however slightly creepy at night, especially as it was lightly raining. My partner started to get a bit scared once we saw the signs to be careful of the wild boar and monkeys haha. We didn’t make it to the top of Mt Inari as the rain started to get heavy but still very much enjoyed walking through the hundreds of tori gates, stopping off at the shrines and soaking up the history.
Steps: 23,686
Day 7
Today was a late start as even after 8 hours sleep the 25k plus steps a day was starting to catch up with us.
We took the metro to Shimogamo Shrine in north Kyoto. It was very peaceful and quiet however temple fatigue had definitely set in at this point. We then walked through Kyoto to the beginning of Philosophers path. We had seen on this sub that people recommend skipping it unless its Sakura season however we disagree. The path along the river is so pretty and atmospheric, along with the fish gently swimming along in the river.
Kyoto Hand Crafts Centre – if you have the money then this is a great place to pick up souvenirs.
Pre-booked Sushi Iwa for a 15 course Omakase. The food was amazing, but it came to an eye watering 28k yen each. The difference for our western palettes between mid-range sushi and exceptional sushi is negligible. Nonetheless it was a good experience and I’m glad that we did it.
Steps: 23,751
Day 8
Today was an empty day in terms of things we wanted to do, so used it to walk the city and explore.
We checked out the Nishiki market and ate various fried foods on sticks which were all pretty tasty. We then walked northwards, stopping for coffee before reaching the imperial palace. By this point we were very much bored of temples and structures of similar architecture, but we actually ended up enjoying walking the palace grounds and seeing the buildings more than we thought and would recommend it to those who find themselves in north Kyoto.
A leisurely walk back down towards downtown Kyoto, stopping off at a wicked standing soba joint. Forgotten the name but their curry soba was delicious.
Chao Chao gyozas (only veggie gyoza place we could find) for our evening meal before a night cap at the bar across the road before bed.
Steps: 23,304
Day 9
Shinkansen to Hiroshima arriving around 11am.
Checked into hostel and then went straight to the A-dome, peace memorial and museum. We thought the museum was very moving and captured the horror of the events that unfolded very well. A must see for sure.
Okonomiyaki at Okonomimura and then some vintage clothes shopping in Hondori.
Went back out for food in the evening and ended up getting Okonomiyaki again. This time it we enjoyed it a lot more than we did at lunch (probably because we got it covered in cheese). There are a few streets by Hiroshima station with lots of bars and restaurants on top of each other, much like Golden Gai in Shinjuku, however they are not super touristy and has a more laid-back feel to them.
We then went to some bars in the city centre. The best one we stumbled across was called Tropical Bar Revolucion. It was on the 8th floor and the smoking balcony overlooked the city. Plus, the beers in there tasted so good and I’m not sure why.
Steps: 23,299
Day 10
A hungover morning. Headed to the Hiroshima National Gardens. Going to some gardens is my go-to hangover activity as its low effort, relaxing, and feels productive. These gardens in particular were great and we really appreciated the signs explaining the history behind the space. Overall, we enjoyed this more than the national gardens in Shinjuku.
Public baths near Dobashi in the afternoon. If you’re feeling brave enough to get your kit off in front of 10s of strangers, then this is a good experience. Male and female baths are separate. Can’t go wrong for 400 yen.
Went for a drink at Bar Pretty and then realised the effect of golden week on trying to get a table walking into a restaurant. Walked around for about an hour with no success so settled for food from a department store food court. Sounds miserable but the food was pretty good for the price, and it was busy in there, so it still had an atmosphere.
Steps: 29,487
Day 11
Miyajima Day. Took the ferry to the island arriving at 10:30am. The Ryokan staff met us at the port and collected our bags to take back to the hotel.
Had a mooch around the port area before doing the hike up Mt Misen. The climb to the top on a hot day is not to be underestimated. Sweating buckets, but the route and the view from the top was amazing and one of the standout highlights of the whole trip.
After descending Mt Misen, we bought some beers, oysters and, ice cream and sat along the beach wall and chilled in the sun for a couple hours. The hotel staff then picked us up from the ferry terminal, we checked in and went straight to the Onsen for a couple hours before dinner. Dinner was a traditional kaiseki meal (with more courses than I can remember) served in the banquet hall with the other guests.
While the staff converted our retro ryokan room and set up the futons we had a few more beers before bed.
Steps: 20,803
Day 12
Today we had a chilled morning on the island, having a stroll and stopping for some coffees. We then took the ferry back to Hiroshima, stopping for Okonomiyaki one more time, before taking the shinkansen to Osaka.
Checked into our hostel near Namba and went out for a walk around 8pm. When looking for somewhere to eat we walked past a sign for a vegetarian Indian restaurant called Shama. After nearly two weeks of pure Japanese food we were craving some variety so decided to head in. Located on the basement floor of a particularly run down looking building the restaurant was not the most glamorous. Barely enough space for 10 people, it was hot in there. A constant stream of people was coming in and out of the restaurant and we were lucky enough to walk in when there were two spaces available. From sitting down at the table to receiving our food we waited just under an hour. This would be enough to put most people off but fuck me the food was good when it did finally arrive. We got a selection of 4 different curries, naan breads and samosa. We left stuffed. If you’re in the area this is definitely a place worth checking out.
Steps: 25,502
Day 13
Our first stop of the day was the Umeda Sky Building. Not suitable if you are scared of heights as the glass elevator made our stomachs drop slightly. The views were impressive but we thought the price was a bit steep at 1500 yen each.
We then spent the afternoon wondering about near Namba and Shinsujibashi dropping into shops and picking up some food.
For dinner we made a reservation for a Mexican restaurant near Dotonbori. Massive margheritas, nachos and enchiladas. The food was great, and it shows by how busy the place was still at 10pm. It had been open since the late 70’s with the décor to match and it had a great atmosphere.
Steps: 27,290
Day 14
Checked out Tsuruhashi and Korea Town. Loved the market – dimly lit maze of numerous food and clothing vendors. Stopped to have some Korean stew and pancakes and it was delicious. One of the best meals of the trip.
Shinsekai in the evening. What I can describe as the armpit of Osaka. We loved it. Dirty? Yes. Rowdy? Yes. Rough around the edges with a red light district to top it all off. We had Kushikatsu to finish the evening off. Fried stuff on a stick – of course it going to be tasty but it wasn’t exactly flavour town.
Steps: 23,777
Day 15
Took the train to Minoh and hiked up the trail to see the waterfall. Hike was easy in comparison to Mt Misen and the waterfall was very cool to see. Had a wonder around Minoh stopping for some lunch at a Ramen bar.
We went to the Team lab botanical gardens in the evening. It was very awe inspiring seeing all the installations lit up.
After sampling Japanese McDonalds (I had a burger where the buns were made out of rice) we went for some drinks at Zerro. We liked this bar a lot, the guys working there were very friendly and it had a good vibe.
We then sat and watched the skaters at triangle park with some beers from the konbini before going to see Dj Masda at Circus until around 4am. This area of Osaka was such a vibe and came back here a few times over our 6 days here. Overall, a very fun evening.
Steps: 26,130
Day 16
Woke up chronically hungover but powered on and went to see a baseball game. You’re allowed to bring food and drink into the stadium (as long as alcohol is in plastic/paper cups) so we grabbed some beers and snacks from family mart. We had no idea what was happening but the atmosphere was electric and we enjoyed getting pissed and cheering.
Had a nap and then went to Hafez for middle eastern food. The food was good but not amazing, nothing in comparison to my local middle eastern restaurant back home. Chilled around the Namba park/Big step area. Loved this area so much, we are big into street fashion and culture so this place really ticked some boxes. Lots of skaters and street wear stores concentrated around here. Got an early night watching Battle Royale back at the hostel.
Steps: 22,065
Day 17
Today we went to the Umeda area. Popped into some shopping centres and had Omurice for lunch. It was tasty but not something I will crave when back home. Good experience trying it though. We then walked through Yodoyobashi along the rivers and got gelato and sat in the rose garden. The sun was beating down and we enjoyed just chilling in the sun eating our ice cream.
Compufunk Records were holding a party in their store. Decent gaff with some very welcoming and kind people to party with until the early hours.
Steps: 21,267
Day 18
We reluctantly left Osaka for Hakone today. Very sad to go but onwards to the next adventure. Took the shinkansen to Odawara and then the Hakone Tozan Train to Gora. Checked into our Ryokan and relaxed in the Onsen for a few hours.
Went for a walk around Gora and had dinner at the Ryokan before watching Predator in bed.
Steps: 16,926
Day 19
Today we did the Hakone Loop, starting early in Gora.
Started with the Open-air museum and it was great. We loved the installation and ended up spending 3 hours slowly making our way round. Got some cool photos as well for the gram.
Ropeway to Lake Ashi. This was absolutely terrifying. You have to swap cable cars 3 times on the way over and the warnings of the service being suspended due to the wind was announced at each stop. I’m not going to ruin the surprise, but one section made me literally freeze in terror due to the winds outside so try to do it on a calm weather day.
We then took the pirate boat (bit underwhelming) across the Lake and stopped for some soba noodles and a wander around. Unfortunately it was way too cloudy to even get a chance at seeing Mt Fuji.
Train to Kamakura and checked into our super cute traditional hostel near the beach.
Dinner at an Izakaya from the hostel owners recommendation. Food great and beers slipped down a treat. First time I tried Yuzu Kosho as well – I’m now addicted to the stuff and literally cover all my food with it.
Steps: 19,512
Day 20
A slow start to the morning. Weather was pretty bad but we still managed to hit all the main sights in Kamakura. Big Buddha was a refreshing sight from the temples. Did some shopping up Komachi Dori. Highlight of the day was Hukokaji temple. It was so peaceful and zen in the rain with its very own matcha tea ceremony backdropped by bamboo forest. This turned out to be our second favourite temple/shrine we visited, just being beaten by Kodaji.
In the evening we went for Sushi at a conveyor belt place. Figured this would probably be my last Japanese sushi of the trip so devoured 7000 yen worth of sushi and beer. Went back to the hostel and invited some of the other guests to drink with us. The owner of the hostel had some bayberry homebrew, so we got stuck into that.
Steps: 20,494
Day 21
Enoshima Island is just a 25 min train from Kamakura. Started off the day by walking to the top of the island to get French toast and a beer with a lovely view across the bay. We then headed up the Sea candle to check out the observation deck, still the illusive Mt Fuji hides behind the clouds.
We then bought admission to the caves beneath the island which was pretty cool. I won’t ruin the surprise but there’s something waiting for you at the end of one of the caves.
Had an explore around the rockpools near the caves and took some cool photos. We then had a pizza with fish on which was pretty crazy. Walked around the island a little bit more and I picked up some more Japanese denim which wasn’t the cheapest but the quality of the trousers are great and will last me a lifetime.
Back to Tokyo in the evening.
Went for Izakaya around Asakusa and popped into a couple bars. One was called Not Suspicious and the whole bar was covered in handwritten notes by patrons. Very touristy but quite cool at the same time. Our favourite was a drawing of Mario saying It’s a Me Muthafucka.
Steps: 25,903
Day 22
First stop was Don Quiojte to pick up some Yuzu Kosho (if you know you know) and weird flavoured KitKats.
Kappabashi Dougu street to purchase a fine Japanese carbon stell Santoku. Honestly in love with this knife so much. The people at the store were very happy to hear exactly what I was looking for and even let me try before you buy on some daikon radish.
While in Asakusa I had to return to the place where I put the best thing in my mouth in Japan. Motenashi Kuroki. Switched it up this time and had their classic Shio ramen plus the duck rice as a side. Honestly this place is amazing, and you have to go there if you have time. They aren’t veggie/pescy friendly so my partner went for one last round of sushi round the corner. We met up at a massage chair parlour and spent 30 mins relaxing in the chairs.
We had a bright idea to watch the sunset one last time so headed over to the rooftop park on a department store in Shibuya. Sipping on an ice cold Kirin, the sun slowly dropped behind the distant mountains and we knew our trip had come to an end. How symbolic.
Flight at 11pm from Haneda.
Steps: 23,187
On reflection:
I honestly think this trip was almost perfect in terms of hitting our interests and travel style. There was a good balance of doing the typical first time visit to Japan sights and activities while still exploring and seeing what we came across in the moment.
It hard to pinpoint exact highlights of the trip as everywhere we visited had so much going for it in different ways. We loved the rugged and trendy vibe to Osaka, and I think this would be the city I would most want to live in for a considerable amount of time (If I had to choose). Miyajima was also stunning and a great overnight trip with the Ryokan experience. We also underestimated how much we would enjoy Kamakura with its laid-back surfer vibe and access to Enoshima Island.
One random memorable moment that has stuck with me was when we landed at Narita airport, we took the limo bus to Shinjuku. As the driver pulled away, all the staff at the station turned and bowed in unison. It felt so special to first observe a culture totally opposite to the one I grew up with and was at this point I knew I had embarked on the trip of a lifetime.
If I could go back and change something I would probably miss out Hakone and do an extra day in one of the major cities. This isn’t because we didn’t enjoy Hakone, but we feel like it’s a place that needs more time to soak in what’s going on around you (plus the weather was bad when we were there). This being said the Open-Air Museum was amazing and we enjoyed it more than the Teamlab botanical gardens so the trip up the mountains was worth it just for that.
So, how much did we spend per person (not inc flights)?
Accommodation - £765pp
Given that we spent a couple nights in Ryokans raising the average price slightly, we were pretty happy with the accommodation costs. We stayed in a mix of private room and shared dorm hostels and pretty much all of them were spot on. Travelling as a couple meant that anywhere with a private room split the price between 2. The only hostel we didn’t like was the one in Hiroshima, there wasn’t anything in particularly wrong with it, there was just a really bad vibe from the owner and other guests.
Transport - £344pp
This includes shinkansen to and from all the major cities as well as our suica top ups for metros and buses. Unless your itinerary is something like 3 days Tokyo, 2 days Osaka 2 days Kyoto then there really isn’t any point getting the JR pass now that the price has increased.
Activities – £280pp
It is hard to give an exact amount for activities and food as 1) I didn’t track what we spent our cash on and 2) my partner and I would take in turns paying for things like temple admission. That being said I’ve allocated 25% of the cash we spent to activities such as temple admission. Activities includes our baseball tickets plus club entries as well as temple and museum admissions etc.
Food – £962pp
As above, its hard to give an exact amount for food. On the whole we tried to eat cheap with possible, especially at the start of our trip. There were a few expensive meals peppered in plus we ate out twice a day towards the end of our trip as we realised we were under budget.
The total is a bit skewed as this includes all the alcohol we bought in bars as well as the konbini trips for beers and cigarettes. I estimate that booze accounts for around a third of the total per person. If you would like to do Japan on a budget, reducing the booze will make a big difference.
Shopping/Souvenirs/Gifts – £607 (just me)
We went hard with the shopping. We didn’t actually receive our checked in luggage until day 19 so we had to buy all new clothes and cosmetics. If this wasn’t the case, then I don’t think I would have spent so much (airline is comping us for the additional clothing bought anyway). I also bought a fairly expensive chef knife and Japanese denim pieces, plus lots of gifts for friends and family. Obviously, this number could theoretically 0 if you are on a serious budget and did no shopping but I really underestimated Japanese shopping, especially thrifting. Also, given our cheap choices when it came to accommodation we could afford to splurge. However just to note my partner spent less than half than I did on shopping.
Total: £2958 (582,628 yen at time of writing)
I kept within my budget of £3000. I definitely got a bit frivolous with the cash in the last few days or so, if being as careful as I was towards the start of the trip, I think the total would be closer to £2500.
Disappointments
Takoyaki. We thought it was going to be all about the octopus but were disappointed with our balls of sloppy goo surrounding tiny chewy pieces of octopus. We tried it twice and couldn’t get behind it. Sorry Takoyaki fans.
Arashiyama. Way too busy, especially around the main station and bamboo grove. If it’s the bamboo you are going to see, then Kodaji is a much better spot.
Dotonburi. Albeit we were there in golden week, and it was pretty busy. However, I get the feeling this area has fallen to the past its golden days title and has become a bit of a cash cow for places selling spiralised potatoes on a stick. The area around Namba park was a better option for us.
Tips
Konbini. Absolute life saver for snacks and drinks on the go. The food quality for a convenience store is higher than most other countries so we had no problem with grabbing a meal from one to help keep within our budget.
Don’t over pack – even though we didn’t get our checked in bags, I still packed light so had plenty of space to bring stuff back. Emirates give you your allowance by weight rather than number of baggage so we could check in additional bags on the way back.
Don’t be scared of hostels. If you don’t want to brave the shared dorms, then most hostels offer private rooms with just the shower and toilet shared. Obviously, it’s cheaper if there are two people sharing a room.
Don’t stress about cash. Most places take debit/credit card and if they don’t, you’re never more than 5 minutes from a konbini ATM.
For us, golden week didn’t seem that big of an issue. No problems booking shinkansen around GW. We spent most of GW in Osaka, as such it was going to be busy anyway so maybe we didn’t see much of a difference from normal numbers in the spring.
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2024.05.14 22:37 JJ-SD86 AITA - wife agreed to pay 10 grand that I'm certain we don't owe.

My city has a pretty nasty collections company that has a long history of trying to collect debts that people don't owe.
My first exchange with them they lied about being a debt collector. When they sued me I went to court with all my documents and they had to admit that some of the documents they had brought were made up a few days before the court date when my documents proved that they didn't exist before.
The case was thrown out.
FFwd a few years they tried to collect on a bill for me being admitted into the hospital. When I told them I had never been hospitalized in my life and that they needed to provide proof of debt ownership they stopped calling.
A few months back they got on my wife's case and she just ignored it. I found out when I got a notice that they were seeking garnishment of my wages. I was upset that she had not told me about it. I got on the phone and sent certified letters denying the debt and asking for proof of ownership. They stopped calling me. I
Today my wife gets a call explained to my wife that they weren't allowed to call us until they provided the proof of debt and if they called to just hang up or ask them to provide the location of the proof.
Today at work my wife calls me and says she got a call for them and set up a payment plan because we apparently owe 10k.... they never provided proof but by her acknowledging ownership of the debt they now have no legal requirements to and we are basically fucked.
She is a stay at home wife after begging me for months to be able to stay home. Which means she screwed us out of 10k that I will end up having to work for. She doesn't understand why I'm mad and that I should be proud of her for taking responsibility for her debt.
I am LIVID if we actually owed 10k I would pay it but this company is the definition of corruption and I'm 99% the debt is totally bogus as I'm very organized and make sure our bills are paid. Plus the fact they didn't contact us at all for 6 or 7 months after I requested proof of debt says everything you need to know about it.
My wife and I had many long conversations about how they needed to provide proof of the debt and that she should let me know if they called because any contact without that proof is a violation of law.
Instead she completely ignored everything I said.
Si am I the a hole for being so livid with her?
submitted by JJ-SD86 to AmItheAsshole [link] [comments]


2024.05.14 22:16 Rare_Proposal7989 RFE I-864

We are a household of 2, filed taxes jointly last year and made 32k. I included my husband's latest tax transcript in the initial filing but without W2.
"The petitioning sponsor, submitted a joint Federal income tax return for the most recent year. Since there is no supporting tax documentation (W-2s, 1099s, Form 2555 and tax schedules) provided for the petitioning sponsor, we are not able to determine if the petitioning sponsor's income on the Federal income tax return meets or exceeds 125 percent (100 percent if military) of the poverty guideline.
The petitioning sponsor must submit supporting tax documents filed with the joint Federal income tax return."
"The petitioning sponsor, lists their current income on Form I-864 as an amount to be considered as sufficient; however, no evidence has been submitted as proof of current income.
Submit evidence of the petitioning sponsor's current income:
Do I have to submit a NEW form of I-864? or just resend his latest tax transcript together with the rfe letter, his w-2s, 6 mos worth of pay stub and letter of employment?
submitted by Rare_Proposal7989 to USCIS [link] [comments]


2024.05.14 22:16 natwoosh ESA related question

Hiya Reddit,
My Fiance and I are getting ready to move out of our apartment and into a building owned by a different company in July. In preparation for this, I have been reviewing our current lease to make sure we are ready for move-out. Under the Pets section, the lease says “At the time of move out, the Apartment must be professionally treated for fleas and proof of treatment must be provided to management.” I have 2 cats, but both these cats are Emotional Support Animals. The office has documentation of the cats, we don’t pay pet rent for them, etc. I should also mention that both cats are indoor animals. Based on the verbiage in the lease, am I legally required to pay for flea treatment since my cats are not technically pets? I already asked the manager to clarify this over email, which now I’m wishing I would have held off on that, but given the history with this place, she may not ever see or respond to my email anyway.
submitted by natwoosh to legaladvice [link] [comments]


2024.05.14 22:05 devwolf121 Digital Nomads for Americans: How did you obtain a Medical Certificate?

Hello fellow nomads,
I've been digging through the forum trying to find guidance on obtaining a medical certificate for my visa application, but not sure why I am so confused on something so basic. The requirement specifies a "Health insurance medical certificate" from a recognized health institution in my country of residence to prove I don’t carry any contagious diseases. Here’s the specific text:
“You must get a medical health certificate from a recognized health institution in your country of residence and present it to the relevant [country] authorities. This document will prove that you do not suffer from any contagious diseases that may be of risk to the [country] population.”
Despite what seems like a straightforward task, I'm hitting a wall. I contacted my primary care doctor, and they told me they don't issue such certificates. I even reached out to my insurance company, who called over 20 different providers, none of whom could help.
Is there a specific way I should be framing my request to these healthcare providers? What exactly qualifies as a recognized health institution in this context?
Additionally, I found this sample letter: [Medical Certificate Sample](). Can anyone confirm if the format here is generally acceptable, or should I be looking for something different?
Any guidance, especially from those who have navigated this process, would be immensely helpful. Thank you!
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2024.05.14 21:58 Euphoric-Earth-4765 An inside look at the culture and ideology of Faith Comes By Hearing PART 1

If you are thinking about working at or if you are thinking about donating to Faith Comes By Hearing/Hosanna [https://www.faithcomesbyhearing.com](https://www.faithcomesbyhearing.com/) you should consider the following. Having worked at Faith Comes By Hearing myself for decades, you should be aware of their culture and ideology. (Arranged from most important to least.)

\*Treatment of the Bible:

Grammatical, historical and cultural context as well as literary genre are all ignored by top management. So, Scripture is often misquoted and misused:

Ignoring basic, common sense guidelines, rules for interpreting the Bible results in misinterpreting, misunderstanding, and misapplying the Bible. Management ignores the fact that observation (what the text says) must always come before interpretation (what the text means); and interpretation always comes before application (how the text applies to me). They do not consider the Bible text objectively first: They treat the text subjectively or relatively or assume what the passage text means. And they ignore the fact that a text cannot mean today what it never could have meant to the original authors and original readers. Exegesis is often contrasted with “eisegesis”; the Greek preposition εἰς means “into,” and hence eisegesis means reading your own meaning into the text. Bible study is not reading your personal theology into some biblical passage. Bible study is letting the text talk to us; we are the listeners, not the talkers. Many Christians just want to know what the Bible “means to me.” If you stop to think about it, this just is not possible. We must do the hard work of learning the author’s original meaning first, and without that we can’t ever know “what it means to me.” A text cannot mean what it never meant.

\*Feelings and experiences rule:

There is a focus by top management on personal experiences and feelings instead of a studied period of reflection: Emotional, simple, popular teaching instead of intellectually careful and doctrinally precise teaching. Bible studies go straight to the question, “What does this passage mean to me?” while bypassing the prior question, “What does the passage say and why do I think my interpretation is correct?” Management promotes and allows employees to get away with applying an understanding of a passage that is based on vague feelings or first impressions and not on the hard work of reading the context, verifying with commentaries and using study tools such as concordances, Bible dictionaries, and the like because a careful exercise of reason is not important in understanding what the Bible actually says for management. Besides, it takes work! For management, Christianity is identified with subjective feelings, sincere motives, personal piety, and blind faith. Management tests the truth not by a careful application of our God-given faculties of thought, or even by biblical mandates (for example, 2 Corinthians 10:5), but rather by private subjective experiences. For the most part, theoretical reason is just not part of the culture at FCBH. In fact, top management will often spiritualizing normal, everyday things like advice, facts, common knowledge:

Example during a meeting, the CEO said he saw a full moon, then clouds formed & covered the moon, then clouds dissipated. He then said he felt God say: "I can turn nothing into something; something into nothing; turn this ministry into something & if it goes thick & blocks Jesus; it has to diminish.”

So, personal, subjective experiences that top management shares equals truth that employees must agree with or at least accept as true.

Also, time is money, but management uses their mandatory meetings to discuss controversial or complex topics (e.g., fasting, communion, tithing, personal stewardship of money, helping the homeless, how to create more interaction with remote workers, how to retain employees, how to hire more Gen Z employees, past trauma), most of which are unrelated to the actual work. Then they ask employees (most of which have no authority to get things changed/done) what their opinion is about the controversial or complex topic, instead of consulting with professionals or experts.

So, top management will read a bible verse (not a paragraph, not a chapter, a verse; usually out of context) using a version of the Bible that is almost a paraphrase. Then share something personal that happened to them, something they did or saw or experienced or a personal conviction that is not related to the verse. Then explain how they felt about it, how they interpreted it. Then they will ask employees (especially internationals) to share similar experiences. And, then if no one shares or comments or speaks, management makes employees feel guilty: Along the lines of “So, God is not working in your life?”

Example: “I felt God give me this verse about gossip. Let me share with you some personal stories about gossip…. This is how I see it. Now, in the last 5 min of our time, I want people to share. I especially want input from internationals. Does anyone have anything to say about this? No, one? Is God not speaking to you? How can God not be moving and speaking? This is unreal….”

Top management will often use a reader response or subjective biblical interpretation: “This is what I think this verse means. What do you think this verse means? What stood out to you? What did you learn? What is God asking you to apply?” This is a very self-centered way to interpret Scripture. The focus is all about you. What you think. What you feel. But, “The Bible is not about you.” - Timothy Keller. And this leads to people looking at the same verse and coming up with completely different interpretations. Everybody seems to have an opinion on what the Bible says/teaches.

So, instead of discovering what the original author said to the original readers. They will take Biblical concepts (e.g., called to ministry; felt led by the Spirit; God spoke to me; felt peace) and then add new meanings to them which the original author did not intend. This is dangerous since it leaves employees with doubt, disillusionment, disappointment, discouragement, and false hope and can leave them with unmet, unrealistic, and false expectations. Top management will also take subjective, unclear biblical principles or non-essentials, or personal convictions and make them scriptural authority and then judge other Christians who do not agree. They will treat the Proverbs as promises. They will also not make an effort to distinguish between Biblical principles and practices which are relative, time bound, culturally subjective, Biblically illustrated (not commanded). They will often make hasty generalizations. They will beg the question. They will commit special pleading, dictionary simpliciter, reductive, faulty analogy and many other fallacies. They will also allegorize promises in Scripture and spiritualize all principles. They assume that all historical narratives have individual identifiable moral application. God’s word should be taught clearly, not in a distorted manner. Top management will proof text and use religious words to promote their agenda.

And top management will encourage others to have this view/philosophy of Bible interpretation. Many incorrectly interpret the Bible and do not even realize it.

I pray to God that this bad method of interpretation is not being taught to internationals, to people who have never had bibles, who do not have biblical discernment, who don't know any better.

\*Inductive Bible study and internationals:

Hermeneutics has been defined as the science and art of biblical interpretation. Hermeneutics helps us understand the Bible. It is a science because there are specific rules the interpreter must follow. It is an art because it takes years of practice to develop the ability to employ those rules properly. There is a difference between a novice and a seasoned interpreter. Hermeneutics has two basic steps, finding what the text meant to its original audience, and then seeing how it applies to our current situation. Unfortunately, many people (Americans included), impose their own personal experiences, theology, and modern culture on to the Biblical text.

Fortunately, God has allowed us (especially Americans) to have Bible dictionaries, commentaries, handbooks, atlases, etc., to help us with correct hermeneutics, to understand the essential historical and cultural information - the context of the original author and readers of the Bible. We have tools that shed light on the text and help us to arrive at the correct interpretation. When you read a commentary, it will provide checks and balances against your possible mistakes. They can answer questions that a reading of the text can never provide or ask questions that you may never think of asking. Unfortunately, many international people groups do not have access to these tools (or even access to mature, trained, and experienced Christians and pastors). And even if they do have access to resources, they may not know how to use them properly (i.e., limitations of commentaries).

Grammatical-Historical Method or Inductive Bible study can easily be done with printed or digital Bibles. But how can a person do this with audio and video Bibles? This is critical especially for international people groups that do not have access to (and may never have) print Bibles.

False gospels and heresies are popular in illiterate people groups because they are not taught discernment or how to evaluate Scripture and the thoughts of others for themselves. People with ulterior motives misuse Scripture and end up influencing the illiterate.

If these Bible Films and audio Bibles are considered to be actual Bible Translations – video and audio translations of the Bible and the equivalent to and sometimes a replacement for print scripture – then should we also make it a point to teach people who are watching and listening to our video and audio Bible translations Biblical hermeneutics (historical-grammatical interpretation)? How to study the Bible properly for themselves?

My experience has been that many non-Christians (and Christians) misquote or misinterpret the Bible because they do not know how to actually read and study it on their own to find out what the text actually meant to the original author and audience and seeing how it applies to their current situation.

There are many ways to study the Bible, and there are many excellent study aids available to help you with specific books of the Bible. But the most important thing you need to remember is that to find out what the Bible says, you need to read it yourself in a way that will help you discover what it says, what it means, and how you are to apply it to your life. And the best way to do this is through the process called inductive study. Inductive study doesn’t tell you what the Bible means or what you should believe. Instead, it teaches you a method of studying God’s Word that can be applied to any portion of Scripture at any time.

Inductive Bible study draws you into personal interaction with the Scripture and thus with the God of the Scriptures so that your beliefs are based on a prayerful understanding and legitimate interpretation of Scripture.

\*Artistic freedom concerns:

Another concern is with the artistic freedom or personal preference when it comes to audio and video Bible media (when these function as replacements for print Scripture). How much can be taken before you compromise the historical accuracy or the meaning and understanding of the original message? A good translation must be faithful to the historical situation and not change the cultural background. In Bible Translation, the translator’s first job is to study the text carefully to discover the correct meaning (what the original author wanted to communicate). Do international people groups understand that the “artistic freedom” (e.g., how the film is lit, the key shots, angles it shoots from, close-ups, point of view, sets, locations and props, editing, the dialogue and the actors’ performance and emotions, wardrobe choices, soundtrack, visual transitions, reference shots), the visuals and sound, are all NOT inspired?

Biblical and Orthodox Christianity teaches that All Scripture (not just some) is inspired by God who utilized the human element within man to accomplish this without error.The very WORDS (not just the ideas, even parts of letters, and sometimes the tense of verbs) are a result of the mind of God expressed in human terms and conditions. The Bible IS fully true in all that it teaches or asserts to be true (including historical and scientific matters). Only the original documents (autographs) are completely free from error. Does FCBH make an effort to explain this to people groups? If not, then there will be conflict when the visuals and sounds that are added do not match the Biblical text. There will be confusion, doubt, disillusionment, disappointment, discouragement, false hope when people are confronted with unmet, unrealistic, and false expectations.

So, using audio and especially video as Bibles should come with some teaching of the basic principles of film criticism, the doctrine of inspiration (difference between artistic freedom and the Word of God), and inductive Bible study or Bible interpretation.

\*Communicating the truth:

They employ a presuppositional and fideistic/experiential approach to evangelism: In the many testimonies that are shared, many of the people who receive the audio bibles say they believe in Jesus because FCBH gave them bibles that are in their native language. Makes you wonder what would happen if the audio was from the Quran or book of Mormon. Would they believe in anything as long as it was in their own language? FCBH does not seem to make sure people are actually believing facts. There seems to be no appeals to evidence and reason for the truthfulness of the Christianity. One should become a Christian and believe that Jesus is God because it is true (from reason, historical evidence, archaeological evidence, theistic arguments) and not because the Bible one reads is in a certain language. You should follow Jesus because He is God and proved it; not because He speaks your language.

\*Hearing from God?

Many in management practice “hearing from God” and then claim God said something specific and personal to them and to the ministry. This practice uses God's name in vain. And often use God to avoid personal responsibility - “I heard from God; God told me; I felt led; God spoke to me…” They then put what happens on God, so they avoid any personal responsibility if it does not come to pass. They make Christianity out to be personal, private, and a matter of “how I feel about things.” Many Christians actually feel spiritually sub-standard and defeated because for them “the heavens have been silent”. This can be debilitating, and it’s profoundly unfair to employees if their only shortcoming is entertaining a false expectation of what a relationship with God entails. Conversations are often littered with casual references to one’s latest revelations without any sense of the gravity of the assertion, or any sense of responsibility to justify the claim. Even Jesus Himself didn’t presume to speak for God without compelling evidence. But, management takes personal opinions and spiritualize them as if they were God’s word to give divine authority to impulses or thoughts that drift through their minds. To say “God is telling me” gives feelings an authority the Scripture does not justify and virtually ends debate. You can’t argue with the person if God supposedly gave the command. Trusting inner feelings is not biblical. It’s confusing at best, and dangerous at worst.

And with certain requests from employees, when top management does not want to do something, they will respond by saying things like: “I need to pray about it first. Sorry, I do not feel led. I need to get confirmation first. I need to have peace about it first. I need to hear from God first.” But with other things, with things they want to do, they do not need to pray about it first, do not need to feel led, do not need to get confirmation first, do not need to have a peace about it first, do not need to hear from God first. When management does not want to do something, they pass the responsibility off to God (“We cannot…. because God didn’t tell us to do it. Didn't get confirmation.”); but when they do want to do something, they don't seek God and do what they want (“We have decided and are going to… and we don’t need to ask God for guidance or permission”).
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2024.05.14 21:54 Flaky_Ad_8383 Break up after 5 years

I’m struggling so much trying to feel less guilty about breaking up with my bf of 5 years. I’ve cried every single day since and it’s been almost four months. We had a dog together that he got me as a gift. It was my dream dog and I’ve never loved anything more. We had a lot of issues and have overcame so much in the 5 years including long distance and grieving a death. My family was pushing for us to break up and didn’t want us together while his family loved me. I am a very family oriented person and he stopped going to my family events two years ago because he didn’t really like my family and it overwhelmed him, which made my family dislike him even more thinking he didn’t even try but he did in the beginning then stopped after I moved in with him. I worked with his family and my whole life revolved around him for two years. We lived together for 3 and the house was stunning. I loved it so much and loved living there and took my dog for a walk every day. I had a really good paying job and easy life. I met him when I was 19 and he was 27 so he had already gone out a lot and was more ready to settle down. When I first moved to his city I wanted to go out and he never really joined me. I was 22 and wanted to explore the city and never really asked him because he didn’t seem to want to go out. I turned 24 and didn’t really care about going out anymore just wanted to be with him more. He loves gambling and would go a lot and it never bothered me until recently I felt like he didn’t want to spend time with me as much. We broke up for a while and I felt so lost with out him. It lasted two months and he told me he went to a strip club which was one of my triggers since he used to go all the time before he dated me and it always bothered me and made me feel jealous/insecure. He went 3 times during us dating and I said it was fine as long as he told me but I would secretly cry about it and feel super crappy and like I wasn’t good enough. I did a lot wrong in the relationship. I would complain to my family and seek attention from other people just to receive some compliments and feel good about myself. I realize that I had a lot of red flags and wish I wasn’t so immature in the beginning. I messed up a lot and have felt so much guilt and beat myself up everyday. I feel sick about it all and the way it ended. It was a pretty toxic relationship but I don’t doubt at all that we didn’t love each other. I had a lot of issues being able to be in a serious relationship and it was hard for me to commit in the beginning it took me awhile to call him my bf because I was really scared I would get hurt. I know now that I wasn’t ready in the beginning and I needed to work through a lot of issues on my own but I didn’t want to lose him. He definitely added a lot to my insecurities and anytime I told him one of them I felt he would use it against me. He had a lot of issues but I know that he loved me so much. I feel like I left everything I’ve known for the past 3 years. I had friends there, a good paying job, i would clean the house and didn’t have to pay rent. He would hold over my head sometimes but it was so easy for me financially. Just I was depressed sometimes like something was missing. I feel ungrateful now seeing what people put up with in relationships and how hard life is with inflation. I have rent now and a car bill and I’m a server. Life is incredibly hard for me and I make way less than I did working with his family. I felt awful leaving him and I gave him the dog. I lost my will to live almost and knew there were a ton of problems but felt like if I finally left my family would be happy and their opinions matter a lot to me but now I’m lonely every night and wake up lost and afraid of what my life is now. I’m at peace but I’ve never been so lonely. I have a supportive family and am going to therapy now and it’s helping but I still wonder if I messed up my whole life by quitting my job, moving out, breaking up with him and letting him keep the dog. I think I felt so guilty because I confessed to him that I was with someone when we were on break and the guilt was eating me up in side. He wouldn’t tell me what he wanted to do if he wanted to forgive me for a week he wanted to think about it but I just moved out before he told me and haven’t really talked to him and went no contact. I wrote him a 5 page letter about how much I love him and I want to work on myself and that I was sorry for what I did. He never really apologized to me because I’ve always taken the blame for everything before he could. I didn’t really communicate with him well about the things that bothered me. I didn’t really give him a chance to change I just hoped he would notice. He asked me to go to a hotel to gamble with him a few days before I left. I told him I didn’t want to and to go with out me. He talked to me for an hour on the phone on the way there and I was okay till it was 1 am and I told him I couldn’t sleep and was scared and he hung up and didn’t care. I stayed up the whole night wondering bout him. He got home at 11am the next day and texted me he loved me. I got off work and told him it upset me and it ended up me being the one apologizing since I said he could go. He said he knew I would act that way and got mad at me. I just gave up the convo and just thought I can’t do this anymore so I shut down. I got distant and looked cold hearted when I left but inside I was dying. I feel incredibly guilty everyday and am scared to see him move on even though I’m the one who broke up with him. I’m scared I won’t find better and I still love him and his family so much and haven’t had any desire to be with anyone else or even talk to or go on a date. I’ve just been sad every single day and have tried to find joy but nothing excites me anymore. I felt like a horrible monster and idk how I even did this. I’m hoping it was the right thing and I’m trying to fix all my issues with my therapist. I feel like I desired to be single in the beginning of our relationship but now that I am I hate it and miss him so much. I’m terrified and still in denial. This is all coming out messy but just so much about it is all messy and I feel like I messed up everything. I wanted to marry him but I felt like I messed it up and sabotaged it too much and couldn’t come back from it anymore. I don’t know what to do. I’ve been journaling everyday and trying to remain strong and not reach out when I miss him and my life and now my life is hard and I make no money and have tons of bills. It’s terrifying and I relied on him a lot financially. I feel like idek who I am anymore and I’m depressing everyone around me because I’m so sad and everything reminds me of him and our dog. My heart is broken into pieces and I just want to be sure I did the right thing. I feel so incredibly selfish. I didn’t fully explain everything in our relationship but it was very complicated and at times toxic. I do miss him though and feel at fault for a lot of things. Idk. I feel like I lost my motivation and don’t really care about anything anymore. I wonder if his family hates me now. I feel like everyone thinks I’m a bad person for leaving. I just want to crumble. I don’t know who I am anymore and how to stop feeling less guilty. He’s going to have no issue finding someone new since he’s super successful and has his own house. I feel very insecure and I get memories on Snapchat of him everyday and have 5 years worth of memories. I’m terrified and stressed with money. I’m about to turn 25 and feel like I’m starting my whole life over. I don’t know how to let go even though I needed things. Is something wrong with me?
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2024.05.14 21:28 Chicagoroomie312 Lagging Compensation - the Other Cause

Obviously there is a ton of discussion these days about the absurdity of the 150 hour rule, terrible working conditions for new hires in public accounting, and myriad other explanations for why noone wants to major in accounting or get their CPA anymore. I think these are all solid points that need to be addressed, however I think perhaps the biggest single reason is that the pay sucks.
Most of the time, when we talk about the shitty pay, people immediately point to greedy partners who just want to cash out etc. There is definitely some truth to that. But in my view that isn't the full story, the bigger problem is that the value proposition of the profession has eroded.
At the end of the day, the AICPA is run by a bunch of accounting nerds who love rules, details, checklists, and flowcharts. Here is a quick non-exhaustive list of the nonsense rules they have added since I started about 10 years ago: 1) lease accounting - now balance sheets are inflated by nonexistent right of use assets and lease liabilities, and cash rent has been reimagined as amortization of the right of use assets (I think? No one has ever been able to explain this to me in English) 2) revenue recognition - best I can tell, somehow management is supposed to identify all its contracts, determine the key milestones in those contracts, and create a system to tell where they stand on those milestones?
Imagine sitting in a room with the C suite of a family-owned business and explaining why your engagement letter has a $50k-$100k add on for this junk. It is not a fun place to be. In my experience what often ends up happening is that CPAs have to do extra work to comply with this sort of bullshit, but clients simply will not pay for it. This leads to crappy hours and stagnant pay.
The AICPA needs to let go of its obsession with accounting in the abstract and refocus on clients and living, breathing, users of financial statements. What do they want and how can people with our skills help them get it.
One last side note: an especially low-hanging fruit is removing the restrictions on contingent fees for tax services. Personal injury lawyers, Venture Capitalists, cellphone bill negotiators, and many other professions rely on contingent, success-based fees. Clients don't want to pay for theoretical tax savings, they want to pay for literal cash saved. To those who say this creates a conflict of interest, I don't understand why it's any worse for us than it is in any other industry. The related restrictions in Circular 230 haven't fared well in court, and that's without any lobbying or litigation from our trade groups. The AICPA should represent our interest for once instead of sticking its head ever farther up its own ass.
submitted by Chicagoroomie312 to Accounting [link] [comments]


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