Ncis blank i.d card

A Subreddit About a Card Game for Horrible People.

2011.12.31 03:53 DaveQat A Subreddit About a Card Game for Horrible People.

Cards Against Humanity is the Apples to Apples for horrible people. Come share your depraved card combinations and additions to the game.
[link]


2016.07.14 19:43 Krazynewb Card Wars Kingdom

Subreddit for the new Adventure Time mobile game, 'Card Wars Kingdom', sequel to the popular 'Card Wars'.
[link]


2010.12.10 04:27 halberdier25 Army Reserve Officers' Training Corps

This subreddit is dedicated to discussion of Army ROTC and any related subtopics. Moderator statements or opinions do not represent those of the DOD or Cadet Command.
[link]


2024.05.14 07:52 R_we_done_yet If I were a book

How can I align my thoughts at once? Or weave them into a single thread? Things don’t move that way in my head, really, and it can be hard, then, to truly capture them. What would I look like if I were a book, I wonder? Pages ripped, and torn, and taped back in. Some pages black and smudged and burned to soot. Some crinkled and crunchy, stuck in an awkward permanence to their neighbor, having had tea or coffee spilled on them - once soggy moments, now rigid in time. Some pages would overflow with words like a waterfall, cascading down into rivers and streams of thought, eternally winding back to the vast open sea of paper before them. Some would be marred by the oily fingerprints of a late-night bad decision - a snack I didn’t need, or a love I didn’t crave. Some would be beautiful and intimate. Some so subtle that a reader might unknowingly skip past them when rifling through; soft, tender, and pure. Some pages would find you with faded Polaroids of a kind stranger’s smile wedged into the binding. Snips of hair, cut and glued in the shape of a promise to a long-forgotten friend. The sweat-soaked setlist to every face-melting, heart-wrenching, and whispered empty bedroom concert I’ve ever held, complete with scribbled titles scratched through in harsh black ink, and a few more added hastily to the end of the already cramped page. Speeches I’ve given to the gods, tacked down with old chewing gum and dried saline. My book would creak and crunch beneath its own weight. Inside, you’d find slots for age-old mixtapes, once used to barter and commiserate with similarly hollowed childhood friends. Each to be removed and played in their own time, a patch-work soundtrack to my life. You’d find dust and dirt and a spider or two, with flecks and specks of god knows what. And some pages would make you fear me. Some would bring you joy. Some would make you ache, or yearn, or gasp, or cry. And many would leave you with more questions, and fewer answers.
Some pages would be dark even for me to read.
Pages that suck and pull at your core. Pages that eat your soul. Pages that aren’t pages at all, always changing in location, always hoping to blend and sneak past the conscious reader’s gaze. And on the very next page, as if nothing had changed, you’d find snippets of life I’ve kept precious. A stack of “get well soon” cards from my first-grade class, carefully threaded into the binding. Art drawn and painted and weaved into the fabric of the pages themselves, labors of love. Secrets and prayers alike, whispered and kissed and sent and tucked with care - all etched like scars into the pale canvas beneath them, invaluable and unquantifiable.
And when you’d finish the book, dear reader, what would you feel, then, seeing me displayed like that? Would you love or hate me more? Would the sum total of my existence be greater or lesser in your eyes? If you weighed and judged me in the balance, what would you discover? Would my life hold any value? Which fragments of this collection would hold any worth at all? If one were to be subtracted or added, would your perception shift? If I strung together the perfect sentence, would you love me then? Is that where my worth would lie?
And what of my own perspective? To see myself laid out in full, aching, and oozing, and radiant all at once—could it be enough? Would it offer anything new? Could I see it - really see it - and call it complete? Would my book, in the end, have meant anything at all?
submitted by R_we_done_yet to WritersGroup [link] [comments]


2024.05.14 07:47 VividPerformance7987 A good videos on how to color grade with PS?

I have been shooting for about 8 months now and just got an SD card reader for my MacBook, now that I finally have access to my RAW images I’d like to get into color grading. I am looking for a good long video, or playlist of videos explaining the subject. I appreciate any suggestions/ links, thank you!
submitted by VividPerformance7987 to AskPhotography [link] [comments]


2024.05.14 07:47 fhunters Calendaring: Formal Procedures

Because I see many, many posts on paralegal about how to manage "calendaring" aka "critical dates management" in a law firm, I thought it would be worthwhile to revisit the "old school" approach. Some might find it beneficial.
The usual context for the poster (OP) is there is no case management system implemented in their firm (which is not surprising given poor adoption rates for case management software) and the OP is trying to manage critical dates solely via their Outlook or Gmail Calendar.
This link below is from an insurance company that provides "E&O" insurance aka lawyer malpractice liability insurance to law firms. it is a solid description of the "old school tickler system" approach.
https://www.lawyersmutualnc.com/hifi/files/risk-management-resources/risk-management-handouts/calendar-and-docket-control/Calendar_and_Docket.pdf
Do you have to adopt the entirety of this formal process? No. Do the old school color coded index cards map well to reminders in Outlook Calendar or Gmail calendar? No.
The Outlook/Gmail reminders lack the set aside and review later "permanence/visibility" of the index cards. Therein lies the crux of the problem. Case Management can be overkill because of it's heavy up front data entry workflow design, but Outlook and Gmail were not designed to be critical dates management tools for either an individual or a team. They have to be supplemented with spreadsheets or manual processes.
Can you get a discount from your E&O carrier if you adopt a formal critical dates process? Yes.
Hope this helps.
submitted by fhunters to paralegal [link] [comments]


2024.05.14 07:38 EnglishmanInHell fraud creeping in

made a Tennoji osaka apartment booking off booking.com the other day. got there, decent place, separate shower toilet, deep bath, sat in the room and drank beer. browsed the intraweb and my recent online credit card statement. there were two new charges from another major travel booking site, let’s call it Ted, for about the same price give or take a few yen that I paid for the tennoji spot. hadn’t used Ted in 5 months though. it set off fire bells. I moved to nara on another booking.com booking in the meantime. it was a typical business hotel with no separate shower toilet. the next morning a third payment from Ted came through. I found Ted’s complaints site off Reddit. You can usually find stuff like this quicker on Reddit than anywhere else off the net. Nice one for that, Reddit 👍 I mailed Ted and within minutes I got semi-automatic shitty responses from Jill and Pradat and John asking for my Ted booking number, well duh, there’s no fucking Ted booking number that’s why I’m belling you guys. I got off the iPad, pulled a hundred grand out from the nearest atm and cancelled my credit card. it started raining hard ( yesterday ) grim cold May rain. I called up SMBC, my bank. they said a new card wouldn’t be sent automatically to my address after I cancelled which is contrary to what they said on the internet when I did it. I really need a card asap. so I went to nara SMBC branch in the pissing rain. a middle-aged broad at the door, with a mask on and eyes that communicated she’d dealt with too much of life’s shit already said credit cards and cc fraud weren’t their problem. I went back to the business hotel with no separate shower toilet and called SMBC again, spoke to a helpful lady, then went back to nara SMBC at her instruction in the pissing rain. Nara got on the boat this time and a new card is being sent to my Tokyo address as we speak. one hopes. the next day a nice lady from the SMBC fraud department came through on the phone with a very clear and affirmative voice.. perfect English, straight to the point, syrupy voice, intelligent, some bonafide jason borne executive clearance on my part. she said, “we will cancel these charges, don’t be in any doubt about that. but you won’t be able to use your TED account again, is that ok ?” “Yes that’s more than fine.” “Ok good, that’s all for now then,” she said, “goodbye. “
It wasn’t even Ted’s fault, it’s some advanced scamming shit crawling through our web at pace so do be careful , again,
submitted by EnglishmanInHell to JapanTravelTips [link] [comments]


2024.05.14 07:37 LucyAriaRose New Update: My friend keeps on talking about my ex in front of my fiancee

I am STILL NOT the Original Poster. That is u/ta-bff-234324. He posted in AITAH and amiwrong but posted the same text in both subreddits. I chose to use the ones from AITAH
Thanks again to u/Literally_Taken for the rec and to Choice Evidence and u/chickenoodledeprived for letting me know about the update!
Previous BORU here. New update marked with ****\*
Trigger Warning: racism
Mood Spoiler: tentatively happy ending
Original Post: April 1, 2024
My (29M) best friend Jess (29F) keeps on mentioning my ex (29F) in front of my fiancee, and I am thinking of cutting her off. I want to know if I am overreacting, or if Jess is in the wrong.
For context, Jess and I went to the same high school and the same college. We were friends in high school. However, since we both went to the same out-of-state college, we became best friends since then. We have always been there for each other during the best and worst times. However, things have always been platonic, and she is more like a big sister to me, who made sure I stay on the right track.
I have only been in two long-term relationships so far. One was with my ex Lisa for 7 years. We met in college and dated all through our college years. Lisa and Jess also became good friends, too. After college, Lisa and I just grew apart and had different goals in life. I became "boring" after college as I was working on my PhD while doing a full time job. Lisa broke up with me as she wanted to party on weekends, while I was home studying. I was heartbroken, but I don't think I ever blamed her or had resentment towards her, as I understood my decisions were selfish and should not hold her back from having the best life.
Jess always stood by me and comforted me during that time. Jess and Lisa were good friends and Jess always kept on telling me that Lisa loves me and will be back one day when I am ready. I foolishly held on to that hope and stayed friends with Lisa. That was until I met my fiancee Yang. After I finished my PhD, I got a nice job in a big tech company. Yang joined our team a year after me. We started going out for drinks, and dinner and we started dating seriously pretty soon. We are happy together, and financially in a great place. Needless to say, I stopped talking to Lisa after I started dating Yang.
I proposed to Yang a year after we started dating and got engaged last year. Jess has been acting weirdly since we got engaged. One of the first things she said to Yang after we got engaged was how I had planned the same thing for Lisa (proposing on a local hiking trail). It was a bit off-putting that she was bringing up Lisa whom I broke up with almost 5 years ago on such a happy occasion. However, Yang asked me to not spoil my mood, as she felt Jess was just commenting on how I had that plan in mind for years. Since then, every time we meet, Jess without fail brings up Lisa and how the things I am doing are all the things I had planned with Lisa. This happened when we bought a house, planned for vacations, etc. Jess always starts with some nostalgic story and then brings up how Lisa and I were so happy together. She is still good friends with Lisa and keeps giving me updates about Lisa and how great Lisa is doing at work when no one is asking for it. It felt like she was painting a rosy picture of Lisa to Yang and telling Yang that she would always be second to Lisa.
Yang told me Jess's comments bothered her, and I also felt the same. I have brought this up with Jess many times and asked her not to do it. However, she says she will try but since I dated Lisa for 7 years, she would be part of many stories from the past. Also, she asked me why talking about Lisa bothers me and if I still have feelings for her. I have reduced hanging out with Jess. However, she is close with my mom and is always invited to all our family parties and holidays.
I talked to my mom and sister about this and they feel I am overreacting. They feel Jess is just telling stories and since the stories are mostly from college days and later, Lisa will be a character in the story. They also feel I should not be bothered by Jess mentioning Lisa since we broke up a long time ago. I feel that it's disrespectful to Yang as she doesn't need to hear about all the fun Lisa and I had when we were together and how we were planning to get married. Do you think I am the asshole to stop here or Jess is truly acting out of line?
Relevant Comments:
Commenter: Probably need to separate your time with your fiancé away from your friend. ... On a side note, your friend comes across poorly on one other aspect. When you were too busy to date so you could study. She is encouraging you to stay available while your ex goes about dating around? Think she ever encouraged your ex to not? Or do you think she was telling your ex she could have all the fun she wanted cause you'd still be around? Food for thought.
OOP: She thought we were 24 when we broke up and she always justified that Lisa was young and it's natural to date around before you settle down. She also encouraged me to do the same. However, after my breakup, I decided that I would not be in a relationship (based on what happened to the previous one) and never dated anyone until after I graduated.
Commenter: Not wrong, in fact it's thoughtful of your finace's feelings. " Jess always kept on telling me that Lisa loves me and will be back one day when I am ready." - yikes.
An easy: "Jess, you keep bringing up my ex, and keep making comments which are dismissive of my relationship with Yang. I am telling you point blank that this is harming our friendship and it saddens me that you dismiss my feelings as being unimportant on this topic. If you can't respect me, and my relationship with Yang, please understand why it will likely end our friendship."
OOP: We have had this exact conversation. Jess then proceeded to ask Yang is she offended by her telling stories about me. Yang was polite and said she is ok. Then she told me I am being too sensitive.
Commenter: Op do you know if Lisa is married? Maybe Jess is trying to sabotage your engagement so you can be with Lisa.
OOP: I know Lisa is single. She has not been in any serious long term relationship after me. Infant, Jess always makes it a point to bring that up regularly and update me, even after I tell her I have no interest. My mom loves gossip and they also discuss a out Lisa regularly.
Jess is just being a mean girl/have you talked to Lisa at all?
At this point, I suspect Jess is just being mean to Yang. I would have cut her off long ago if she was not so close to me or my family for so many years.
Lisa is out of the picture, to be honest. I have completely gone no contact with her for the last 2 years.
Jess has feelings for you:
That's not true. I did not write it since I thought it was irrelevant, but Jess is happily married and has a 3 year old kid.
There is no consensus bot on AITAH, but top comments were NTA
Update Post: April 23, 2024 (22 days later)
I wrote a post a month ago regarding my friend Jess mentioning my ex constantly in front of my fiancée. Thanks to everyone who commented, and how inappropriate it was. However, the last month has been nothing but crazy and I still trying to make sense of what happened so far.
After my post, I decided to talk to Jess and gave her an ultimatum not to speak about my ex Lisa again. I know Jess and Lisa are still friends, but I was uncomfortable of her comparing my fiancée Yang with Lisa all the time. I broke up with Lisa 5 years ago, and she is nothing but a faint memory in my past. Jess kept on defending herself and telling me that I was with Lisa for most of my adult life and it's hard to tell any stories from the past without including her. She also blamed me for being emotionally childish and just forgetting about Lisa when she was with me for 7 years. Finally, Jess agreed that she will not bring up Lisa in front of Yang, and I should also not treat Lisa as she does not exist since she is still Jess's friend. I informed Yang about our conversation. Although she was appreciative about it, she said I did not need to do it and she knows how much I love her and every time Jess brings up my Lisa, she feels sorry for Lisa that she let a guy like me go.
Yang went to visit China two weeks ago for a month as we plan to get married in her hometown. She is taking care of her shopping as well as preparations for the wedding. Jess invited me to her house that Friday for dinner as I was home alone. I am also good friends with her husband, and we were all just chatting and drinking in the living room. Around 7.30pm, the doorbell rang, and Jess excitedly went to open the door. To my surprise, it was fucking Lisa at the door. She was all dressed up as if she were ready for a date and came in. I had not seen her in person for almost 3 years and I was shocked to see her. She sat down and started making small talk with me. I was extremely uncomfortable and went into the kitchen to talk to Jess. I was angry at her and asked her what was going on. She kept on telling me that it's been 5 years since the breakup and to get over it and be nice to Lisa. She said Lisa was excited to meet me and she thought we were all adults and could have one fun evening together. We had a fight and I told her that she should not have invited Lisa after our conversation the other day and I do not want to be friends with her anymore. I went into the living room and politely excused myself and told everyone that I had a work emergency and had to leave early. Lisa looked sad, but I genuinely felt uncomfortable to be made to hang out with my ex without my consent.
I came home and called Yang. I have never seen her more furious, and she told me she is not comfortable with Jess anymore as she has some agenda that we do not know about. It's different to talk about Lisa, but to invite her without consulting is not ok. I also felt the same and I called Jess the next day and told her that she crossed a line, and I was terribly upset with her. I stopped taking her calls and ghosted her. I also told my mom and sister about the whole incident.
Last Sunday, my mom called me for lunch. When I got there, I saw Jess was already there. I told my mom that I do not want to talk to Jess and can't stay. However, she asked me to sit as they all wanted to talk to me. I have a glutton for punishment and decided to hear them out. My mom started with how Jess has been there for me all these years and only has my best interest at heart. She kept on telling me that they are the three people (mom, sister, and Jess) that love me the most. Jess started saying how she felt that I was making a big mistake in not having to hear what Lisa had to say. She told me that Lisa was my first love and Lisa is now ready to settle down and we can pick where we left off. She reminded me how broken I was when Lisa left me and how life is giving me a second chance. My sister also chimed in and said how they all liked Lisa more than Yang and how we both looked so great together. Finally, my mom started saying how our culture was so different than Yang and it is hard for them to relate to her. I asked them in what way, and my mom said that they did not understand what Yang says sometimes and have nothing in common with her. Then my mom asked me to think about how Lisa and I would have such wonderful looking kids, while if I marry Yang, our kids will look so different. I started getting their drift and I probed more. My mom told me how our kids would look Asian with "small eyes" and not like any others in the family.
I asked my mom if she cared about my kids looks more and not about how smart they will be since Yang has a PhD. She blew it off, and I realized she just did not want me to marry Yang because she was Chinese and not white. My mom told me to forgive Jess and my mom asked Jess to talk to Lisa on my behalf and asked her if she would be interested in getting back together with me. My mom was adamant that since I loved Lisa so much, I should be happy and pick up things where we left off as that is the best for everyone. I have never been so angry and may have said a lot of unkind things to all of them before I left
I am so depressed right now. I not only lost my best friend, but also am not sure how I can move on from what my mom said. My mom and sister raised me and that is the reason where I am today. However, I cannot get over how racist they are being and how they were just pretending to like Yang all these years while actively working on breaking us up. I have been so shocked that I have not told any of this to Yang so far. I might wait for her to come back next week and talk to her in person.
Again, thanks everyone for all your messages on the last post as they helped me a lot to think through the situation. My life is more fucked up than I could imagine, and I cannot imagine how dejected Yang will feel after hearing all this.
*****New Update Post: May 7, 2024 (5 weeks after OG post)****\*
I wrote a post two months ago regarding my best friend Jess constantly bringing up my ex when talking to my fiancée Yang. I wrote an update two weeks ago about my mom, sister and Jess scheming about trying to get me back with my ex Lisa because they were uncomfortable with Yang being Chinese. They tried to do it when my fiancée was visiting her parents and I felt so betrayed by their actions.
As I said in the previous post, I blew up on my mom and sister about what they said and immediately left. I did not take calls from them or answer texts for the next several days. Their messages initially were anger towards me on why I left before they could finish what they wanted to say. However, I think they realized on day 3 that they might have crossed the line this time and became extremely apologetic. I finally messaged them to leave me alone and not to contact Yang or I until we contact them. Jess did not message me the whole time.
I did not tell Yang about the situation until she came back home 9 days ago. I initially did not know how to bring up the subject, but she sensed something was wrong and asked me about it. I was so worried about hurting her, but I told her about what happened. I was upfront about the stunt Jess pulled and she was angry at Jess. I also told her about my visit to my mother's place, but she did not react with any anger. She just asked me if I was ok.
The next few days were confusing where I was more upset than Yang. She was just excited showing me all pictures and telling me stories. Finally, on last Thursday evening, she opened up and asked me if I was ok about my mom's behavior and what I plan to do. I told her my thoughts and how I cannot forgive them for what they said about her being Asian and them wanting me to marry a Lisa because she was white. I asked her why she was not more upset as it was bothering me.
She told me that when she told her parents about me, they had the exact same reaction for her dating someone who was not Chinese. Her family is very traditional, and her parents were very upset about her decision. It took them a few months to warm up to me and accept me. She never told me about this because she wanted me to have good relationship with her parents. She told me that now they are the most excited doing arrangements for our wedding.
She told me that she has always felt something was off when she talked to my mom, my sister or Jess and they did not like her. My mom and sister would be very friendly with her in front of me, but never invited her for anything when I am not around. She suspected that it may be due to fact that she is not white and does not understand the American traditions. She said she is not upset with them and now that this is in the open, she should talk to them and assure them that she would be as good of a wife as Lisa or any other girl. She said that she does not want to break a family in order to start a new one.
Despite my protests, Yang invited my mom and sister for lunch on Sunday. She said that it would be good for us to talk about everything and hear why they are concerned about her marrying me. I was really not happy with this, but Yang spent most of Sunday morning cooking for them.
When my mom and sister arrived, there were a lot of waterworks and apologies. My mom apologized to Yang and me for her behavior and told us that she would never bring it up again. My sister also was quiet and had tears in her eyes. There were a lot of blame games. My mom and my sister were blaming Jess for constantly telling them how Yang might not be great for me and how she won't fit into our family. My mom and sister fought with Jess after I left and Jess blamed Lisa. Based on Jess's story, Lisa has been depressed for the last few years and when I suddenly got engaged to Yang, it became worse. Jess thought I was also depressed after Lisa left me, because I did not date anyone for 3 years. In reality, I just wanted to focus on my work and studies and never had time. So, Lisa convinced Jess that she has to get back together with me as that is what I wanted too. Jess said how sorry she felt for Lisa as she was her longtime friend and listened to her plan as she thought it was good for everyone.
My mom and sister told us that I should stay away from Jess because she orchestrated the whole situation. They kept on hugging Yang and apologizing to her. Yang in turn also started crying and telling them that she will do better to fit in with them. It was all a big mess. I am still skeptical of my mom's change in heart, but I also want to see Yang happy. However, I think it will take a lot of time and healing before I could truly trust my mom and sister.
Currently, my mom invited us to lunch at her place next week and told me that Jess will not be there. Jess has still not message me or Yang. I really don't know what I can do in this situation. I am still upset and furious at my mom, but I also want to respect Yang's effort to keep the family together. Thanks to everyone for all the messages and supportive comments. It really helped reading them when I was feeling very sad.
submitted by LucyAriaRose to BestofRedditorUpdates [link] [comments]


2024.05.14 07:36 Ilovekittykitty 30/est/pc - socially anxious mess looking for someone to hang out with somehow

I don’t know how to go about making a post considering I don’t know what kind of games I’d really be down to play with someone I’m not comfortable with. If we clicked, that’s a whole different ball game.
Games I enjoy playing when I have someone to hang out with are:
Call of duty multiplayer, Smite, league of legends (aram/arena), I like arena shooters alot so xdefiant seems like a good one too for me.
I’m not limited to only these games by the way, so if you’re looking at this list and you’re like, what a bad game taste or whatever, I play other things too and am willing to. If you for whatever reason want to message me with my boring post, please be around the same age and at least the United States or time zone being similar so we can play without issues. :)
Other interests would be Pokémon card collecting, very new to anime but would like to add that cause I loved what I watched so far, and music. Mostly metalcore and punk pop but I can get down to other stuff too.
Last thing I want to add. Very bad social anxiety and very moderate depression I would say cause of it. I’m not as negative as I come off, and I’m always down for a good time if you understand that I might not be the most fun to be around when we first meet. I will try to keep negativity out and will try to be yaknow, not as boring as I put myself out to be. Take care even if you don’t want to message to see if we click and good luck to you too.
submitted by Ilovekittykitty to GamerPals [link] [comments]


2024.05.14 07:33 Happy4days21 Wish me luck on Seroquel

I’ve not recovered from rebound insomnia since stopping Xanax 2mg for a couple nights in row (a few too many, this is such a fucking sensitive drug it’s annoying asf. A lifesaver but tricky) and I’m fucking EXHAUSTED. I look tired, I am tired, and even willing to give the CPAP another go. I’m waiting for it in the mail. I’m not that old and am usually on Ambien and have went through SO many sleep or sleep type medications. There’s like 5 I haven’t tried and that’s bc they are brand most likely. The only one that I feel really worked for ME, I capitalize the me because my personal peak trouble with my insomnia is ONSET. Maintaining sleep for me is second hardest. Dayvigo helped with sleep onset like no other… but it’s also a really weird ass drug that paralyzed me moments before going to sleep. It’s actually a really harmless side effect, so if you can get through that, you can get some good help there. Only problem is there is no generic so it’s 350+ a month and I just can’t do that. So now I’ve been able to make a return back to Seroquel, I forgot why I moved on from it years ago, wish me luck tonight on 25mg. I’ve been burned and exhausted and it’s getting dangerous. I’m in a rigorous PhD program and so I have a lot to lose. Afraid of dependence with benzo medication but it still has a place in my arsenal, so I’m trying to find something sustainable or at least something to get me through this sleep deprivation and not detrimental enough to really screw me when it comes to the books. As someone who has to go through dense ass material and expected to process it and know it?… it’s the not sleeping that has fucked me more than anything. I see sleep as an exchange.. good sleep = good work Bad sleep = fuck your future. I’ve seen for myself, it’s that fucking simple. Fill in the blank of what all that could mean, I think it adds up…
PS I’m overall healthy but have PMDD. I stay relatively active as I play rugby and go to the gym. I could eat more and I take vitamins. Ik ppl usually like to reference these details
TLDR; trying Seroquel for the first night in years tonight and crossing all crossables that it works :(
submitted by Happy4days21 to insomnia [link] [comments]


2024.05.14 07:33 LemonDouble21 Low power graphics card for TS-855X

Hello,
I bought a TS-855X recently. I found that QNAP does not support local installation for some packages that I need. Thus wanted to install Debian/OMV on this device. I found that this device does not any hdmi port. I tried a low profile graphics card[1] from Amazon but later found that the pci slot is only x4. Can anybody suggest a graphics card that worked for them (when they bought a qnap device without HDMI port)
[1] https://www.amazon.com/Glorto-Radeon-Profile-Graphics-Express/dp/B0CHVZ41ZD/ref=sr_1_1_sspa?crid=2IULJ1ZWHWQO3&dib=eyJ2IjoiMSJ9.aoGf2yHgEc6K0ydaSB8dDyVOpgWJRps2NFM9QdnnebUG3xHryYeOjM_sI9Th3TO4eCYgAcZmsfFsHN1VPE3oKi4a8zOOWD7Ns7V-yzqNkFl6ImmTYmxA_ncBN_wttGobvoNiO9p-0KlVQZToNescJpgfHKVHCAEcq5h2mWRJ1NQDms5M9TYcp8PMYgz22vy9lEvmxpwer9JTYN_c5WtpOGnNs6L4k6IypvfNleBZyn4.gylmfKfop45yV3Qyivh2ijrEPg4Oa11Saq6xZ2J8nzA&dib_tag=se&keywords=low+profile+graphics+card&qid=1715664710&sprefix=low+profile+graphics+card%2Caps%2C147&sr=8-1-spons&sp_csd=d2lkZ2V0TmFtZT1zcF9hdGY&psc=1
submitted by LemonDouble21 to qnap [link] [comments]


2024.05.14 07:32 One-Consideration228 Cards

So I live in a somewhat small town and we don’t really have a lot of people to sign up (either they don’t want it or already have it) but we get a lot of Canadians in our store everyday.. and Canadians aren’t allowed to sign up for the card, but our managers still forces us to ask them everytime, but they know we can’t sign up Canadians.. I’ve never asked three times, I ask if they have it and if they want to sign up but if they say no or I can’t I’m Canadian I don’t ask again.. but they tell us we need to ask no matter what, even if they are Canadian.. and sometimes we do have Canadians who want to sign up but when they give us their I.D. (Which is Canadian) we can’t except it.. they say we “can” except it if they have a us address but they never do. I just don’t get why our managers get upset and angry with us when we can’t control who will and won’t sign up. I’m not kidding my store managers mood depends on cards.. if we have 1-2 cards she’s upset and tells us we need to get cards and tries to bribe us with “food, gift cards, and hoodie giveaways” and she tries to lie and threaten us to “scare” everyone (which she does everyday and will lie and threaten anything to again “scare” us) which I think is absolutely crazy.. but if we get 5-6 cards she’s happy as can be. I love my job and everyone I work with but sometimes it’s so tiring..
submitted by One-Consideration228 to TjMaxx [link] [comments]


2024.05.14 07:19 Drikkink (PA US)Selling my house and trying to remove my drug addict roommates/family members

Posting this from legaladvice because someone suggested doing so there
Philadelphia PA
I own my own house and have since 2021. When I moved in, I asked my cousin (who I was very close to) and his GF to come with me to help around the house as I am disabled. Things were generally okay until last year when they both relapsed. They had been clean for years prior to moving in with me and remaining so was a condition of them staying with me.
Since their relapse, they have taken countless things from my room and the rest of the house to sell for drug money, including a PS5, multiple computer monitors, a brand new Dyson vacuum. Further complicating things, my cousin is (was? My uncle took me to SSA today to get this fixed) my Social Security rep payee, meaning the money went into an account in his name. While he has not DIRECTLY taken money, he and his GF would harass me until I gave them money that I did not have to give them, often leaving me without food. But I digress because that isn't the point of this post, I just wanted to give some background.
I am selling the house and moving on my own somewhere that I can manage to take care of myself. I'm already taking an insane hit on the house, selling it for 30k less than I bought it for less than 4 years ago AFTER putting 15k of work into the house. They have trashed it that badly. I just need them out. I already have an agreement to sell the house but when I finally told them that they weren't coming with me, they freaked out and pulled the "you have to evict us" card. I have also been physically threatened.
The house is slated to be sold on June 14th.
Legally, I believe they are tenants? We never had a written agreement and they never paid me rent, but they do receive mail here and have lived here for years.
In case it matters towards getting them out, there are obvious signs of drug use all over the house. I tried to do some google searching on the topic and saw the process of serving them a notice to quit but I am completely at a loss as to how this whole thing is supposed to get started. And how long it will take.
So, summing up:
  1. What is the fastest LEGAL way to evict them from my house?
  2. Is it possible to get them out sooner because of the verbal threats, history of financial abuse and illegal activity?
  3. Do I HAVE to get them out? The house is being sold as-is to a house flipper. Would it just be the new owner's problem
  4. Will this process cost me anything? I am LITERALLY broke until the house closes and I get that check. I'll be fine paying legal fees after that but I feel like I'm in a situation where I can't evict them until I get money and I can't get money until I evict them.
The paperwork I signed from my realtor is a typical PA agreement of sale identical to this with the blanks obviously filled in and two additional special clauses (sec 32) both saying "HOUSE IS BEING SOLD AS-IS WITH NO WARRANTIES"
I told my realtor that this may be an issue a few days ago and he said that he'd put me in contact with a realtor if we needed to but I'm concerned that time is so tight at this point that I NEED to and it's too late.
submitted by Drikkink to RealEstate [link] [comments]


2024.05.14 07:10 Ok_Pay6836 Sefirat HaOmer - Day 21

Izzy Goldstein wore #21 for the 1932 Tigers (go back to Day 7); so did Garrett Stubbs for the Phillies starting in 2022 and continuing until …….today, Elliot Maddox for the 1977 Orioles and the Mets from 1978-80, and Dick Conger for the Phillies in 1943, his final season - also the season in which he pitched in 13 games (10 starts), 54.2 Innings, going 2-7 with an ERA of 6.09.
Jason Marquis played in 15 seasons; he wore #51 as a rookie with the Braves in 2000, before switching to #38 for 2001-03, before being traded with Ray King and Adam Wainwright to the Cardinals for JD Drew and El iMarrero (the Cardinals got the better end of that deal). He wore #21 with the Cards from 2004-06, and then with the Cubs (2007-08), Rockies (2009), Nationals (2010-11), D’Backs (2011), Twins (2012) and Padres (2013 - he wore #38 for the Padres in 2012 when John Baker wore it) before wearing #31 for the Reds in his last season, 2015. Mike Milchin wore #21 for the Orioles in 1996 (and #51 for the Twins in the same year). Norm Miller wore #21 for the Astros between 1967 and 1973 (he also wore #54 in 1965 and #34 in 1965-66) and then doubled his number to #42 when he was traded to the Braves in 1973-74.
Steve Stone wore 9 different uniforms in his 11 year career, including #21 for the Orioles in 1979; he also wore #32 for the Orioles that year as well as in 1980-81 (he won the Cy Young award in 1980, the only year he made the All Star team). He started his career wearing #33 for the Giants in 1971 (he also wore #35 that year), and then #29 in 1972. He switched to #32 in 1973 for the White Sox, then #30 when he went north the Cubs (as part of the trade for Ron Santo) for 1974-76, before going back to #32 when he went back south as a free agent for 1977-78.
submitted by Ok_Pay6836 to jewishbaseball [link] [comments]


2024.05.14 07:09 PatientBobcat86 Giveaway!

Giveaway!
I’m one gold card away from completing my first album😎 thanks to this AH-MAZING group (shoutout to so many wonderful traders and the very generous DIRTY THIRTY!!!) I want to pay it forward to you and will use all of the trades I can before I hit my last card. I will post a comment when I get my first album completed and until then I’ll do giveaways daily! Please do the following:
  1. Please post what card you need (I don’t have any duplicate non-gold 5s or I’d gladly share those too), your IGN, and link
  2. Please don’t DM as I will not respond
  3. If you want to, share one of your favorite movies - two of mine are Goonies and Back to the Future
Thank you and good luck!!
submitted by PatientBobcat86 to monopolygo_fairtrade [link] [comments]


2024.05.14 07:06 Objective_Box5956 Just finished my third 100% play-through

Just finished my third 100% play-through of Tears on the 1 year anniversary. It’s pretty brutal to 100% this game, but I enjoyed it. Here’s my 100% list:
I compiled a list of things I found online that helped me farm material so hopefully it’ll help others. My apologies for no credit to those who contributed. I simply copied and pasted a lot of these - but some are my own contributions.
____________________________________________________
Useful Links
Zelda Dungeon Interactive Map
Armor Upgrade List
Horse Upgrade List
100% Map Landmark Guide (Helped me find a few missed locations)
____________________________________________________
Missed Locations (after collecting all Koroks, quests, shrines, caves, and wells)
Missed all 3 times
Kolomo Garrison Ruins
Missed Twice
Gatepost Town Ruins
Castle Town Watchtower
Lost Woods
Inogo Bridge
Dracozu Altar
East Passage
Water Reservoir
Kolomo Garrison Ruins
Missed Locations (2nd and 3rd run-though)
Desert Rift
Device Dispenser on Thunderhead Isles
Sargon Bridge
Drena Canyon Mine
Retsam Forest Cave (North Entrance)
Missed Locations (1st run-through)
Lutos Crossing
Lanayru Road - West Gate
Canyon of Awakening Mine
Abandoned Eldin Mine Forge Construct
Floret Sandbar
Faron Woods
West Passage
Dalite Grove
Grove of Time
Nabooru Canyon Mine
Walnot Canyon Mine
Madorna Canyon Mine
Hickaly Grove
Rozudo Canyon Mine
Daval Canyon Mine
Granajih Canyon Mine
Agaat Canyon Mine
Applean Grove
Rok Grove
Rhoam Canyon Mine
Ruto Canyon Mine
Akkala Bridges (all 3)
Stolock Bridge
Crystal Refinery in Lookout Landing
Faloraa Canyon Mine (last one)
____________________________________________________
Final Koroks (2nd and 3rd time)
____________________________________________________
Money Makers
____________________________________________________
Rocket Shields
Oromuwak Shrine (east of Rito Village). I visit here regularly to stock up on Rocket Shields.
Zonaites and Crytalized Charges
Hudson Signs
Horses
4-4-5-3 Stat Horses Found Southeast of Bublinga Forest
Gems Info
_____________________________________________
How to get Stars
Notes: You can do this with any of the other Skyview Towers below, but you must rest until night in between each star. Gerudo Canyon Skyview Tower seems to be the most convenient because there is a cooking pot next to Pikango at the base of the tower.
Also works with (not confirmed on my end)
_____________________________________________
Silent Princess and Blue Nightshade
(-2476, -0646, 0208)
Milk
Acorns
Dragon Parts
Beetles
Hinox
Black Lizalfos
Black Boss Bokoblin
Red Boss Bokoblin
Blue Lizalfols
Captain Construct I locations
Captain Construct II locations
Captain Construct III locations
Horriblins
Desert Colosseum
Gibdo Wings
Gerudo Underground Cemetery
Sand pits
____________________________________________________
Shopping
Restock Shops
To restock any shop in Tears of the Kingdom, here is what you will have to do.
  1. Buy out the item in the shop until there are none left.
  2. Take out wood and flint to make a fire.
  3. Rest by the fire till the next day.
  4. Manually save the game.
  5. Load the game from the save you just made.
Hateno General Store
Hylian Rice x5 (need 38 + recipes)
Swift Carrot x10 (need 10 + horses + recipes)
Bird Egg x5 (need 12 + recipes)
Fresh Milk x3 (need 66 + recipes)
Goat Butter x5 (Need 84 + recipes)
Kakariko General Store
Aerocuda Eyeball x3 (need 42)
Aerocuda Wing x3 (need 48)
Kakariko General Store Trissa
Goat Butter x5 (need 84 + recipes)
Swift Carrot x12 (need 10 + horses + recipes)
Bird Egg x5 (need 12 + recipes)
Fortified Pumpkin x3
Lookout Landing General Store
Hylian Rice x3 (need 38 + recipes)
Fresh Milk x4 (need 66 + recipes)
East Akkala Stable
· 3 Sticky Frog (need 30)
· 3 Smotherwing Butterfly (need 15)
Lakeside Stable
· 2 Sticky Frog
· 3 Thunderwing Butterfly (need 9)
· 2 Hightail Lizard (need 21)
South Akkala Stable
· 2 Sticky Lizard (need 24)
· 3 Hightail Lizard (need 21)
· 2 Fireproof Lizard (need 15)
Woodland Stable
· 3 Cold Darner (need 15)
· 3 Fireproof Lizard (need 15)
Kara Kara Bazaar General Store
Green Lizalfos Tail x3 (need 18)
Riverside Stable
· 5 Hylian Rice (need 38)
· 3 Thunderwing Butterfly (need 9)
· 3 Electric Darner (need 15)
Tabantha Bridge Stable
· 4 Fire Fruit (need 9)
· 3 Summerwing Butterfly (need 15)
· 3 Winterwing Butterfly (need 15)
· 3 Thunderwing Butterfly (need 9)
New Serenne Stable
· 4 Warm Darner (need 15)
· 4 Sunset Firefly (need 15 + 10 + 10)
Kara Kara Bazaar
· 5 Summerwing Butterfly (need 15)
· 5 Cold Darner (need 15)
Snowfield Stable
· 3 Summerwing Butterfly (need 15)
· 3 Warm Darner (need 15)
Kara Kara Bazaar
Summerwing Butterfly x5 (need 15)
Cold Darner x5 (need 15)
Foothill Stable
· 3 Thunderwing Butterfly (need 9)
Wetland Stable
· 3 Smotherwing Butterfly (need 24)
Rito Village General Store
Goat Butter x5 (need 84 + recipes)
Cane Sugar x3 (need 24 + recipes)
Tabantha Wheat x3 (need 42 + recipes)
Sunshroom x4 (need 15)
Korok General Store
Tabantha Wheat x2 (need 42 + recipes)
Hylian Rice x3 (need 38 + recipes)
Cane Sugar x3 (need 24 + recipes)
Goron General Store
Cane Sugar x3 (need 24 + recipes)
Goron Spice x3 (need 12 + recipes)
Zora General Store
Hylian Rice x4 (need 38 + recipes)
Swift Violet x4 (need 90)
submitted by Objective_Box5956 to tearsofthekingdom [link] [comments]


2024.05.14 07:05 R_we_done_yet If I were a book

I wrote the following as a sort of journal entry and thought this might be a good place to share it. I know it’s a bit over the top, but this is the only way these words come out of me. Not trying to be pretentious lol. Hope someone out there can relate or enjoy. Felt good to write it.
How can I align my thoughts at once? Or weave them into a single thread? Things don’t move that way in my head, really, and it can be hard, then, to truly capture them. What would I look like if I were a book, I wonder? Pages ripped, and torn, and taped back in. Some pages black and smudged and burned to soot. Some crinkled and crunchy, stuck in an awkward permanence to their neighbor, having had tea or coffee spilled on them - once soggy moments, now rigid in time. Some pages would overflow with words like a waterfall, cascading down into rivers and streams of thought, eternally winding back to the vast open sea of paper before them. Some would be marred by the oily fingerprints of a late-night bad decision - a snack I didn’t need, or a love I didn’t crave. Some would be beautiful and intimate. Some so subtle that a reader might unknowingly skip past them when rifling through; soft, tender, and pure. Some pages would find you with faded Polaroids of a kind stranger’s smile wedged into the binding. Snips of hair, cut and glued in the shape of a promise to a long-forgotten friend. The sweat-soaked setlist to every face-melting, heart-wrenching, and whispered empty bedroom concert I’ve ever held, complete with scribbled titles scratched through in harsh black ink, and a few more added hastily to the end of the already cramped page. Speeches I’ve given to the gods, tacked down with old chewing gum and dried saline. My book would creak and crunch beneath its own weight. Inside, you’d find slots for age-old mixtapes, once used to barter and commiserate with similarly hollowed childhood friends. Each to be removed and played in their own time, a patch-work soundtrack to my life. You’d find dust and dirt and a spider or two, with flecks and specks of god knows what. And some pages would make you fear me. Some would bring you joy. Some would make you ache, or yearn, or gasp, or cry. And many would leave you with more questions, and fewer answers.
Some pages would be dark even for me to read.
Pages that suck and pull at your core. Pages that eat your soul. Pages that aren’t pages at all, always changing in location, always hoping to blend and sneak past the conscious reader’s gaze. And on the very next page, as if nothing had changed, you’d find snippets of life I’ve kept precious. A stack of “get well soon” cards from my first-grade class, carefully threaded into the binding. Art drawn and painted and weaved into the fabric of the pages themselves, labors of love. Secrets and prayers alike, whispered and kissed and sent and tucked with care - all etched like scars into the pale canvas beneath them, invaluable and unquantifiable.
And when you’d finish the book, dear reader, what would you feel, then, seeing me displayed like that? Would you love or hate me more? Would the sum total of my existence be greater or lesser in your eyes? If you weighed and judged me in the balance, what would you discover? Would my life hold any value? Which fragments of this collection would hold any worth at all? If one were to be subtracted or added, would your perception shift? If I strung together the perfect sentence, would you love me then? Is that where my worth would lie?
And what of my own perspective? To see myself laid out in full, aching, and oozing, and radiant all at once—could it be enough? Would it offer anything new? Could I see it - really see it - and call it complete? Would my book, in the end, have meant anything at all?
submitted by R_we_done_yet to CPTSD [link] [comments]


2024.05.14 07:01 Mysterious-Swim-2889 Deck Connected to Earth Element

I struggle with the Earth element and have been doing some healing work with it lately.
I know it would help so much to have an ‘earthy’ feeling deck for when I use cards in conjunction with the healing work. What are your favorites or is there any deck you’d recommend to someone struggling with Earth element?
submitted by Mysterious-Swim-2889 to tarot [link] [comments]


2024.05.14 06:59 Opposite-Elevator-87 Build Failed When Trying Package Project UE5.3.2

Am currently working on a small project, I had to Package the game to test something on the Build Version, and my package fails. I've tried multiple sort of things, most people keep refering back to some version of these steps and I don't seem to strike luck. I've re installed and installed UE5.3.2 so many times.
Am using Rider with Visual Studio Build Tools with "Desktop development with C++", ".NET Multi-Platform App UI development", ".NET desktop build tools" and "Universal Windows Platform Build Tools". Further more I installed Visual Studio Community 2022 after some trouble with the "Game development with c++" after running into trouble
I haven't tried other Versions of UE as when I try with 5.4 I can't open the project, some error with Visual Studio I'll bring an update as I deleted UE5.4 so I don't have the exact error code. I've also regenerated VS files multiple times.
As for the program file am working on, its irrelevant as I then tried it on a Third Person template, First Person template, and a blank project.
I seem to get different log errors everytime, but this one is the latest, I don't really know what any of it means so I would appriciate help.
Edit: When I try and cook by itself it works just fine.
submitted by Opposite-Elevator-87 to unrealengine [link] [comments]


2024.05.14 06:58 EnglishmanInHell tokyo resident here, visiting osaka

made a Tennoji osaka apartment booking off booking.com the other day. got there, decent place, separate shower toilet, deep bath, sat in the room and drank beer. browsed the intraweb and my recent online credit card statement. there were two new charges from another major travel booking site, let’s call it Ted, for about the same price give or take a few yen that I paid for the tennoji spot. hadn’t used Ted in 5 months though. it set off fire bells. I moved to nara on another booking.com booking in the meantime. it was a typical business hotel with no separate shower toilet. the next morning a third payment from Ted came through. I found Ted’s complaints site off Reddit. You can usually find stuff like this quicker on Reddit than anywhere else off the net. Nice one for that, Reddit 👍 I mailed Ted and within minutes I got semi-automatic shitty responses from Jill and Pradat and John asking for my Ted booking number, well duh, there’s no fucking Ted booking number that’s why I’m belling you guys. I got off the iPad, pulled a hundred grand out from the nearest atm and cancelled my credit card. it started raining hard ( yesterday ) grim cold May rain. I called up SMBC, my bank. they said a new card wouldn’t be sent automatically to my address after I cancelled which is contrary to what they said on the internet when I did it. I really need a card asap. so I went to nara SMBC branch in the pissing rain. a middle-aged broad at the door, with a mask on and eyes that communicated she’d dealt with too much of life’s shit already said credit cards and cc fraud weren’t their problem. I went back to the business hotel with no separate shower toilet and called SMBC again, spoke to a helpful lady, then went back to nara SMBC at her instruction in the pissing rain. Nara got on the boat this time and a new card is being sent to my Tokyo address as we speak. one hopes. the next day a nice lady from the SMBC fraud department came through on the phone with a very clear and affirmative voice.. perfect English, straight to the point, syrupy voice, intelligent, some bonafide jason borne executive clearance on my part. she said, “we will cancel these charges, don’t be in any doubt about that. but you won’t be able to use your TED account again, is that ok ?” “Yes that’s more than fine.” “Ok good, that’s all for now then,” she said, “goodbye. “
It wasn’t even Ted’s fault, it’s some advanced scamming shit crawling through our web at pace so do be careful , again,
submitted by EnglishmanInHell to u/EnglishmanInHell [link] [comments]


2024.05.14 06:45 gendutus Are you undecided, or considering changing your vote? Please fill in this short survey

I'm a PhD candidate researching undecided Australian voters. I have attached a brief survey.
Some people may be eligible to participate in an interview and be reimbursed with a $35 Visa gift card.
If I get enough follow up, I'm happy to share the findings of the survey to the AusPol community.
submitted by gendutus to AusPol [link] [comments]


2024.05.14 06:44 piranhapundit Got out of PUJ with an iPad

Got the dreaded popup jail when trying to open an Amex Biz card. Tried a few things: not using a ref, calling Amex for a dedicated signup link, incognito, different browsers, etc. All of them resulted in popup jail. I was ready to call it but thought I’d give it a try on my iPad (which I rarely use). Did the public offer, miraculously didn’t get a popup. Application was not auto approved but eventually approved through recon. Called after receipt of card and was told it had the welcome offer attached.
(Can try to remember to update after I hit the spend to see if SUB posts)
submitted by piranhapundit to amex [link] [comments]


2024.05.14 06:37 UNDERdecoded Michigan Prevent the Passage of SB632 to Protect Payday Loans

Michigan Prevent the Passage of SB632 to Protect Payday Loans
At the moment if a customer loans $600 dollars and reloans every 2 weeks for a year, the amount they’ve loaned comes out to $15,600. With that they would have only paid $2,000 in fees which comes out to 12.8% of what they loaned. This is cheaper than most bank loans especially when you account for the fact that it doesn’t accrue interest if you can’t pay for some reason it’s more beneficial to those struggling. Also if your check ever returns payday lenders are very understanding and work out payment arrangements for $20-$50 per pay period to avoid court. The only growth of the amount you owe is if your check returns and that is a one time 31.14 cent check return fee. Banks also generally aren’t approving the person for a loan and that’s why they’re coming to a payday lender. Every payday loan customer has a bank account so in general they’ve most likely tried every avenue beforehand. I don’t know about your credit card rates but mine are sitting above that, many in the range of 20% or more and payday loans have been a helpful tool in my families times of need. Focusing on the APR when it comes to payday loans is ludicrous and deceptive because payday loans don’t accrue interest, they charge a one time fee between 12.8%- 16% of the loaned amount. (MAX Loan $600; up to 2 Statewide)
An Example Of What Happened When Illinois Passed an Identical Bill “Interest Rate Caps in Illinois: In March 2021, Illinois Governor J.B. Pritzker signed the Predatory Loan Prevention Act into law, capping interest rates at 36% for consumer loans, including payday and car title loans. This legislation was modeled after the federal Military Lending Act, which also protects active service members and their dependents by imposing a similar rate cap. Prior to this law, payday loans in Illinois carried an average annual percentage rate (APR) of 297%, while auto title loans had APRs around 179%1. By implementing the 36% rate cap, Illinois joined 17 other states and Washington, D.C., which say they do so in attempt to provide substantial protections to low-income communities targeted by predatory lending practices.
Foreclosure Rates in Illinois: Unfortunately, despite the "positive" impact on consumer loans, Illinois faced a surge in foreclosures. In October 2021, about one in every 1,923 homes in Illinois was in foreclosure, representing an 182% increase from September and nearly triple the number from October 2019. Most of these foreclosures occurred in Chicago, where the unemployment rate was higher than the national average. In summary, while the interest rate cap has positively impacted consumer loans, Illinois still faces challenges in its housing market. The state’s efforts to strike a balance between protecting borrowers and maintaining access to credit remain a topic of ongoing debate.” Payday Loans are an Essential Business As a customer service provider within a payday loan company and as someone who grew up in a low-income household that has regularly utilized these services, I understand the importance of payday loans in our society. These loans provide crucial financial support for many families in Michigan, including my own. The proposed bill SB632 threatens the existence of such services, which could have devastating effects on those who rely on them.
Payday loans are often the only option for individuals who do not have access to traditional banking services or are living paycheck to paycheck. According to data from the Federal Deposit Insurance Corporation (FDIC), nearly 27% of households in America are underbanked or unbanked. This means they lack access to basic financial services that many take for granted. It also fails to take into account that some people just dont want to deal with banks.
If passed, SB632 will limit these already scarce resources further. This is not just about protecting an industry; it's about safeguarding a lifeline for countless families across Michigan.
We must raise awareness about this issue and contact our local representatives to voice our concerns against SB632. By doing so, we can protect payday loan services and ensure they remain available for those who need them most.
Please sign this petition and join us in standing up against SB632! Say No to SB632 contact your local representative today and tell them to vote no on SB632! Say No to SB632: Protect Access to Short-Term Lending As Michiganders, we understand the importance of having access to emergency funds when traditional banks may not provide loans. Payday loans have been a lifeline for many of us, preventing car repossessions, power shutoffs, and home foreclosures. Let’s stand together and say no to SB632, which threatens to eliminate this crucial resource. The Facts About Payday Loans: Debunking Misconceptions 1. Interest Rates and Fees: SB632 falsely claims that payday loans are predatory with exorbitant interest rates. However, payday loans don’t accrue interest like traditional bank loans. Instead, borrowers pay a one-time fee based on the loan amount (up to $600 per branch with a maximum fee of $77, limited to two loans statewide).
  1. Payment Plans: Life can throw unexpected challenges our way. If someone can’t repay their payday loan, most lenders are willing to work out a payment plan. Unlike traditional loans, there are no additional interest charges or fees during this process so long as you stay in touch, explain your situation and make an attempt to pay something each payday.
  2. Protection Against Scams: Payday lenders serve as a safety net, protecting countless people from online scams. Without them, where would these vulnerable individuals turn? Unfortunately, alternative support systems are scarce when banks deny loan approvals.
  3. Hidden Consequences: Passing SB632 could lead to unintended consequences. Desperate for funds, people might turn to online installment loans, paying back three times the borrowed amount over the long term. These loans often come with unmanageable monthly payments, pushing borrowers further into financial distress.
The Real Predators The true threat lies with those pushing SB632. By eliminating payday lenders without providing a viable replacement, they jeopardize hundreds of thousands of Michiganders’ accesses to emergency funds. Moreover, Michigan’s economy and job market, just beginning to recover, would suffer needlessly. Let’s protect what has worked for generations. Tell your representative to vote NO to SB632 and ensure that our fellow citizens have a safety net in times of need. 🌟💪
Feel free to share this message with your local representatives to advocate for responsible lending practices! 😊🗳️📜
submitted by UNDERdecoded to povertyfinance [link] [comments]


2024.05.14 06:33 UNDERdecoded Michigan Prevent the Passage of SB632 to Protect Payday Loans

Michigan Prevent the Passage of SB632 to Protect Payday Loans
At the moment if a customer loans $600 dollars and reloans every 2 weeks for a year, the amount they’ve loaned comes out to $15,600. With that they would have only paid $2,000 in fees which comes out to 12.8% of what they loaned. This is cheaper than most bank loans especially when you account for the fact that it doesn’t accrue interest if you can’t pay for some reason it’s more beneficial to those struggling. Also if your check ever returns payday lenders are very understanding and work out payment arrangements for $20-$50 per pay period to avoid court. The only growth of the amount you owe is if your check returns and that is a one time 31.14 cent check return fee. Banks also generally aren’t approving the person for a loan and that’s why they’re coming to a payday lender. Every payday loan customer has a bank account so in general they’ve most likely tried every avenue beforehand. I don’t know about your credit card rates but mine are sitting above that, many in the range of 20% or more and payday loans have been a helpful tool in my families times of need. Focusing on the APR when it comes to payday loans is ludicrous and deceptive because payday loans don’t accrue interest, they charge a one time fee between 12.8%- 16% of the loaned amount. (MAX Loan $600; up to 2 Statewide)
An Example Of What Happened When Illinois Passed an Identical Bill “Interest Rate Caps in Illinois: In March 2021, Illinois Governor J.B. Pritzker signed the Predatory Loan Prevention Act into law, capping interest rates at 36% for consumer loans, including payday and car title loans. This legislation was modeled after the federal Military Lending Act, which also protects active service members and their dependents by imposing a similar rate cap. Prior to this law, payday loans in Illinois carried an average annual percentage rate (APR) of 297%, while auto title loans had APRs around 179%1. By implementing the 36% rate cap, Illinois joined 17 other states and Washington, D.C., which say they do so in attempt to provide substantial protections to low-income communities targeted by predatory lending practices.
Foreclosure Rates in Illinois: Unfortunately, despite the "positive" impact on consumer loans, Illinois faced a surge in foreclosures. In October 2021, about one in every 1,923 homes in Illinois was in foreclosure, representing an 182% increase from September and nearly triple the number from October 2019. Most of these foreclosures occurred in Chicago, where the unemployment rate was higher than the national average. In summary, while the interest rate cap has positively impacted consumer loans, Illinois still faces challenges in its housing market. The state’s efforts to strike a balance between protecting borrowers and maintaining access to credit remain a topic of ongoing debate.” Payday Loans are an Essential Business As a customer service provider within a payday loan company and as someone who grew up in a low-income household that has regularly utilized these services, I understand the importance of payday loans in our society. These loans provide crucial financial support for many families in Michigan, including my own. The proposed bill SB632 threatens the existence of such services, which could have devastating effects on those who rely on them.
Payday loans are often the only option for individuals who do not have access to traditional banking services or are living paycheck to paycheck. According to data from the Federal Deposit Insurance Corporation (FDIC), nearly 27% of households in America are underbanked or unbanked. This means they lack access to basic financial services that many take for granted. It also fails to take into account that some people just dont want to deal with banks.
If passed, SB632 will limit these already scarce resources further. This is not just about protecting an industry; it's about safeguarding a lifeline for countless families across Michigan.
We must raise awareness about this issue and contact our local representatives to voice our concerns against SB632. By doing so, we can protect payday loan services and ensure they remain available for those who need them most.
Please sign this petition and join us in standing up against SB632! Say No to SB632 contact your local representative today and tell them to vote no on SB632! Say No to SB632: Protect Access to Short-Term Lending As Michiganders, we understand the importance of having access to emergency funds when traditional banks may not provide loans. Payday loans have been a lifeline for many of us, preventing car repossessions, power shutoffs, and home foreclosures. Let’s stand together and say no to SB632, which threatens to eliminate this crucial resource. The Facts About Payday Loans: Debunking Misconceptions 1. Interest Rates and Fees: SB632 falsely claims that payday loans are predatory with exorbitant interest rates. However, payday loans don’t accrue interest like traditional bank loans. Instead, borrowers pay a one-time fee based on the loan amount (up to $600 per branch with a maximum fee of $77, limited to two loans statewide).
  1. Payment Plans: Life can throw unexpected challenges our way. If someone can’t repay their payday loan, most lenders are willing to work out a payment plan. Unlike traditional loans, there are no additional interest charges or fees during this process so long as you stay in touch, explain your situation and make an attempt to pay something each payday.
  2. Protection Against Scams: Payday lenders serve as a safety net, protecting countless people from online scams. Without them, where would these vulnerable individuals turn? Unfortunately, alternative support systems are scarce when banks deny loan approvals.
  3. Hidden Consequences: Passing SB632 could lead to unintended consequences. Desperate for funds, people might turn to online installment loans, paying back three times the borrowed amount over the long term. These loans often come with unmanageable monthly payments, pushing borrowers further into financial distress.
The Real Predators The true threat lies with those pushing SB632. By eliminating payday lenders without providing a viable replacement, they jeopardize hundreds of thousands of Michiganders’ accesses to emergency funds. Moreover, Michigan’s economy and job market, just beginning to recover, would suffer needlessly. Let’s protect what has worked for generations. Tell your representative to vote NO to SB632 and ensure that our fellow citizens have a safety net in times of need. 🌟💪
Feel free to share this message with your local representatives to advocate for responsible lending practices! 😊🗳️📜
submitted by UNDERdecoded to Petition [link] [comments]


2024.05.14 06:33 Wonderful-Arm-447 Where to play OCG in Brooklyn

Hi, I’ll move to Brooklyn from Tokyo soon.
I’d like to know whether there is a place where OCG cards are accepted for casual plays in Brooklyn.
I know OCG cards are not allowed in official events, however it might cost a while to convert my OCG decks to TCG. Besides it seems TCG cards are more expensive than OCG.
Thanks!
submitted by Wonderful-Arm-447 to Yugioh101 [link] [comments]


http://activeproperty.pl/