1. Daily Mission System

1. Battle Pass XP

1. Maps

1. Ranked rewards

1. Shop

1. Money go brrr

1. Radianite

• Current cards: (list cards, limits, opening date)
  • AMEX BCE, $2000, Feb 2024
• FICO Score: 740
• Oldest account age: 3 months
• Chase 5/24 status: 1/24
• Income: e.g. $80,000
• Average monthly spend and categories:
  • rent: 1700
  • dining: 240
  • groceries: 270
  • transit: 75
  • gas: 0
  • Streaming: 0
  • travel: $80
  • other: $50
• Open to Business Cards: No
• What's the purpose of your next card? Looking for a travel/dining card
• Do you have any cards you've been looking at? Bilt, CSP, VX, Amex Green
• Are you OK with category spending or do you want a general spending card? Would prefer a category spending card.

• Impact: 3 billion accounts
• Details: The Yahoo breach remains one of the largest in history, affecting every single customer account.
• Statistics: Compromised user data included names, email addresses, phone numbers, birthdates, and security questions.

• Impact: 147 million people
• Details: Sensitive information such as Social Security numbers, birthdates, and addresses were exposed.
• Statistics: Equifax faced significant financial and reputational damage, resulting in settlements and fines.

• Impact: 500 million guests
• Details: A breach that went undetected for four years exposed guest information, including passport numbers and payment card details.
• Statistics: Marriott's response included notifying affected guests and enhancing their security protocols.

• Impact: 40 million credit and debit card accounts
• Details: Hackers gained access to Target's system through a third-party vendor, compromising payment information during the holiday season.
• Statistics: The breach led to significant financial losses and a major overhaul of Target's security practices.

• Impact: 153 million user records
• Details: Cybercriminals accessed Adobe's user database, including encrypted passwords and password hints.
• Statistics: Adobe's response involved notifying affected users and resetting passwords.

• Impact: 78.8 million people
• Details: Hackers stole personal information, including names, birthdays, medical IDs, and Social Security numbers.
• Statistics: Anthem offered free credit monitoring and identity protection services to those affected.

• Impact: 77 million accounts
• Details: A major outage and data breach compromised user information, including login credentials and possibly payment data.
• Statistics: Sony faced a massive PR crisis and had to strengthen its security infrastructure significantly.

• Impact: 167 million accounts
• Details: A 2012 breach that was later discovered to be larger than initially thought, exposing email addresses and hashed passwords.
• Statistics: LinkedIn prompted users to change their passwords and enhanced their security measures.

• Impact: 83 million accounts
• Details: Hackers accessed personal information from one of the largest banks in the US, affecting both individuals and businesses.
• Statistics: The breach led to a significant investment in cybersecurity improvements for JP Morgan Chase.

• Impact: 57 million riders and drivers
• Details: Uber initially concealed the breach that exposed names, email addresses, and phone numbers of users.
• Statistics: The incident raised significant ethical and legal concerns, leading to fines and a change in Uber's leadership and security practices.

Analysis and Lessons Learned

1. Regular Security Audits: Conduct frequent audits to identify and mitigate vulnerabilities.
2. Third-Party Security: Ensure third-party vendors adhere to robust security standards.
3. Incident Response Plan: Develop and maintain a comprehensive incident response plan.
4. User Awareness: Educate users about security best practices, such as strong passwords and recognizing phishing attempts.
5. Data Encryption: Encrypt sensitive data both in transit and at rest to protect it from unauthorized access.

1. reverend putty kinda gets too much credit sometimes. i know its nice he accepts stephanie and they bond, but wasn't it his idea to not let anyone give orel advice? also, the advice he gave orel was terrible. (god's chef) for example. i know compared to some of moralton's other citizens he might seem like a nice guy but he is deeply flawed and hypocritical.
   
2. elaborating on God's Chef, i tend to have a pretty high tolerance to edgy/gross out humour, but Orel impregnating women was actually really hard to watch and i just hoped the episode would be over. the way it's treated as a joke when in Alone they handle the subject matter in a much more serious way makes me wonder if episodes like god's chef were necessary. also i know about alone being one of the reasons they cancelled the show early and it enrages me.
   

1. Bloberta is not to blame for Clay's alcoholism. I've done a post about this and i think Bloberta is a terrible person for many reasons, but not for introducing Clay to alcohol. Anyone else could have introduced it to him and the same thing would happen; Clay clearly has an addictive personality and it seems like his mother drank and smoked quite a bit as well. We should be mad at Bloberta for the psycho way she gaslit Clay into marrying her and her neglect for her children rather than for his drinking.

• You set your own rate
• Tutors and students can freely schedule meetings on their own, rather than have someone assign you
• The user interface is better(mobile app, messaging system, teaching platform, etc)
• Students can largely vary(this can be a con too). You will get a wider range of students, who can be adults with various full time jobs.

• You are charged 25% of your hourly rate
• It’s very hard to get started as a new tutor. There are tons of tutors with a lot of reviews already.
• There are scammers(be cautious of people asking you to communicate off the platform)

• You are assigned students after declaring interest, so you can get started tutoring within a few days.
• Students are screened so you’ll mostly get students more prepared for lessons.

• A large amount of tutors will only make $15/hr, whereas they charge $50 - $75/hr per student. This can be a huge cut, and limit on pay, especially if you’re teaching harder subjects like programming, sciences, higher level math.
• The user interface is not as great. Basic functionality is there, but the overall platform is not aesthetic.
• You are legally not allowed to take students off the platform.

• For tutors, SuperProf takes the least amount from your pay compared to other platforms.
• Students are generally more prepared because they are paying $39 a month to use the platform.
• The user interface is also pretty good.
• You can set your own cancellation policies

• There are less students because of the monthly subscription fee.
• It’s very hard to get started as a new tutor. There are tons of tutors with a lot of reviews already.
• You have to teach your first two lessons free.

• Rakuten is a reputable website/app with millions of users that gives you up 20% cash back on popular stores like Nike, Target, and Petsmart
  
  • www.rakuten.com/QIANTE3?eeid=44971
• Here I explain my favorite side hustle, step by step.
  
  • https://www.reddit.com/sidehustlemoney/comments/17jswev/how_i_basically_travel_for_free/
• Credit Cards
  
  • Amex: Gold: https://americanexpress.com/en-us/referral/PARRYC8P8N?XLINK=MYCP
  • Amex Plat: https://americanexpress.com/en-us/referral/HUIQITJbcu?XLINK=MYCP
  • Capital One Venture X: https://i.capitalone.com/J8Jn8yE0u

• Online Courses (1 - 20 Weeks Long)
• Homework Assignments
• Exams Quizzes Tests
• Excel Projects
• Discussion Forum Posts
• Research Papers Term Papers Essays
• Employment Assessments

• Advanced Placement Honors High School Level Math
• AP Calculus AB A.P. Calculus BC
• AP Statistics
• Biostatistics Bio-Statistics
• College Algebra Intermediate Algebra
• Business Calculus
• Business Statistics
• Business Math
• Calculus I Calculus II Calculus III (Calc)
• Geometry
• International Baccalaureate (IB) Maths
• Liberal Arts Math
• Logic & Reasoning
• Multivariable Calculus Multi variable Calculus
• Precalculus Pre-calculus
• Probability & Statistics
• Psychology Statistics Psych Stats
• Quantitative Reasoning Quantitative Methods Quantitative Literacy (Quant)
• Statistics (Stats)
• Statistics for Social Sciences
• Trigonometry (Trig)

• I have a master's degree in Applied Statistics from a university in New Jersey, USA. As a result, I am very proficient in helping students with various types of Statistics courses including Biostatistics Business Statistics Elementary Statistics Probability & Statistics Psychology Statistics.
• I have extensive knowledge and skill with helping students get through various statistical concepts including all of the following in alphabetical order:
• ANOVA Bar Graph, Boxplot, Dot Plot, Histogram, Pie Chart Bias Binomial, Exponential, Poisson, Gamma, Uniform Distribution Central Limit Theorem Chi-Square Test Coefficient of Determination (R^2) Conditional & Relative Probability Confidence Interval Correlation Coefficient (r) Critical Region Critical Value Descriptive & Inferential Statistics Effect Size Expected Value Experiment vs Observation Goodness of Fit Test Hypothesis Testing Interpolation & Extrapolation Interquartile Range (IQR) Kurtosis Left, Negative, Right, Positive Skewed Distribution Logistic Regression Mean, Median, Mode, Midrange Multiple Regression Nominal, Ordinal, Interval, Ratio I Population Parameter Normal, Symmetric & Bell Shaped Distribution Null & Alternate Hypothesis One & Two Sample T-Test One & Two Sample Z-Test Ordinary Least Squares Outliers P-Value Pooled Variance (Equal Variances) Proportion R^2 Range Regression Regression Line Reject & Fail to Reject Ho Relative & Cumulative Frequency Distributions Relativity & Reliability Right, Left, One, Two Tailed Tailed Hypothesis Test Sample Statistics Sampling Methods (Convenience, Stratified, Simple, Cluster, Systematic) Significance Level (1%, 5%, 10%) Skewness Standard Deviation& Variance T-Score Test Statistic Time Series Type I & Type II Errors Unbiased Estimators Z-Score

• I am well-versed in helping students do well in Algebra 1 & 2 College Algebra Intermediate Algebra Pre-Algebra and I am very knowledgeable and proficient in the following algebra topics in alphabetical order:
• Absolute Values Circle Equation Domain Exponents Graphing Horizontal & Vertical Asymptotes Inequalities, Equations & Functions Inverse Functions Linear, Exponential, Logarithmic, Quadratic Equations Logarithms Maximum & Minimum Values of a Graph Number Lines One-to-One Functions Parallel & Perpendicular Lines Plotting Points & Ordered Pairs Point-Slope Form Polynomial Division Polynomials Radicals Range Rational & Irrational Expressions Rational Functions Real Roots Real Zeros Relations & Functions Slope Slope-Intercept Form Square Roots Standard Form of a Line System of Equations System of Inequalities Variables X and Y Intercepts

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

• I firmly believe that I have many attributes and skills that set me apart from other tutors. Below is a list of qualities that makes me an ideal fit to help you master your coursework:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

• Depending on my availability, I can accommodate immediate tutoring requests, 1-24 hour, and 1-30-day deadlines.
• I can schedule live real-time online sessions and meet deadlines in an impressively timely fashion.
• I can provide quick notifications and updates of progress made in the student's class via email text phone calls.
• I can also be available to tutor students for Fall 2021 Spring 2022 Summer 2022 semesters.

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

• I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes. Why choose low-income victims when it would be much more profitable to target high-income, high-net-worth individuals earning at least six figures a year? I have knowledge in business consulting, and I promise you that a business owner would be a MUCH more lucrative mark than a low-income college student.
• I wouldn’t choose such a time & energy-draining method of scamming people. Also, communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine. This means that 90% of my time communicating with potential clients ultimately proves to be a colossal waste of my irretrievable time & energy.
• If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now. And I would have been permanently banned from opening new accounts. Therefore, the fact that all my payment apps have been fully active for years should be sufficient proof that I haven’t had people consistently disputing payments sent to me.

• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

• * Number of personal credit cards approved for in the past 6 months:
• 1
• * Number of personal credit cards approved for in the past 12 months:
• 1
• * Number of personal credit cards approved for in the past 24 months:
• 1
• * Annual income $: $120k CATEGORIES
• * OK with category-specific cards?:
• Yes
• * OK with rotating category cards?:
• would prefer having categories that stay consistent
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: $350
  • * Groceries $: $400 at Trader Joe’s and around $250 at Costco
  • * Gas $: $80, Work mostly from home so barely need to fill up.
  • * Travel $: Will spend about $3k a year on travel, mainly to beaches or on ski trips in the winter as well as flights back home for holidays.
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $30 for gym, I make the large insurance payments with my BBP, phone and internet is paid with my WF autograph that gets 3x.
  • * Any other significant, regular credit card spend you didn't include above?: $1,500 for things like golf/skiing/other recreational activities
  • * Can you pay rent by credit card? - I pay about $2,200 for rent that I pay with my Bilt card which gives me no fees. The fee for using a normal credit card is only 1.95%, so I have thought about using my BBP instead to get more points at basically no cost. MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
• Currently a member of Costco and Sam's Club
• For subscriptions I am only paying $12/month for Apple Music
• I Currently bank with Sofi but used to bank with WF
• Not in the military
• I would prefer personal cards but I already have a business card and wouldn’t completely shut down the idea.

• I’ve been looking at the chase sapphire for the 85k in branch sign on bonus. Also the citi custom cash for the 5x back on one category that would probably be for groceries.
  
• I don’t think I NEED a new high end travel card as I already pay $350 for my delta platinum that gives me TSA precheck and other perks, but if one could get positive value I would consider.