Money division calculator

Financial Independence / Retire Early

2011.11.10 16:15 Financial Independence / Retire Early

This is a place for people who are or want to become Financially Independent (FI), which means not having to work for money. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible.
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2013.01.16 19:30 PlsDontBraidMyBeard A place for Indians to discuss and evaluate Investments

A place for Indians to discuss investments, finance, economics and insurance.
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2018.08.07 18:09 plaidington Deposit Rates

Discuss interest rates on various deposit accounts; Savings, Checking, Money Markets and CDs. Limited to USA market.
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2024.05.14 14:48 A_Klockwork_Orange Comp plans shared here have me feeling shafted

Comp plans discussed here have me feeling burnt
I sell structures that have a lot of moving parts and come packaged with a full suite of supporting equipment so it takes a lot of technical knowledge, time and effort assessing each customer’s need, and how we can value engineer a solution that works for the budget.
I get 0.5% and a $75k base for structural material sales (agricultural). Consistently a top earner and one of the two top reps in terms of technical knowledge. Pulled around $106k last year off of $5M invoiced.
They then moved me from my sales estimating/design role (technical sales, only dealing with qualified large scale accounts, not responsible for much more than doing the presentation and adjusting quotes) to full-cycle sales (qualifying, closing, quoting, etc) which is much more responsibility (at least 2x fold).
However, they kept my comission structure the same as when I was estimating, with the excuse that my base rate is 2x the other reps (their comission rate is 1.25% vs my .5%, I get $36/hr they get $18/hr). They also took away my 1 week per month of WFH while the senior rep gets full time WFH, despite me outperforming him consistently in terms of activity and entered dollars. When confronted about this, the track record “isn’t proven enough”
Even with no pipeline (I didn’t get direct leads when I was estimating for the other rep’s leads), in the past year I have sold 2x more than the senior rep (only guy above me in this division, who has been with the company over 10 yrs), and closed a $600k deal which would be our company’s most high-profile/prominent project last month. I am immensely ambitious and hungry, with the results to back it up, but this company seems hellbent on keeping me from advancing my career
Seeing a lot of the folks comp plans here has me feeling like I’m getting fucked hard. I’m 27 and have been in sales/estimating for 3.5 yrs at this company for reference. Worked in industry before, which is why I’m so much more knowledgeable vs other reps. I talked to my manager about these concerns and he said “I make plenty for a 27 yr old” which made me see red. Leapfrogged him and discussed with his boss (3rd in command) who will be “looking into options” which seems like a cop-out.
Any tips on getting a better pay structure when ownership/management act like a bunch of chodes? Job market is soft in my field so getting competitive offers has been slow going. I’ve made millions every year for this company but asking for just .2% comission increase seems to be like pulling teeth. Ownership is so greedy here. $120-140M/yr but there’s never any money for the reps….
Morale here is so low, but all the reps love eachother like family, it’s really just the top 5 managers ruining the entire company for the rest of us (I can go on and on about how under qualified they are for their positions). Ideally would like to stay at this company as I bought a home in the area last year, but logic is telling me it’s time to rip off the bandaid.
submitted by A_Klockwork_Orange to sales [link] [comments]


2024.05.14 14:47 FamiliarAd9396 Is this fair in college recruiting?

A friend of mines daughter committed to a division one college for her sport her junior year. She was promised scholarship dependant on whether the player she would “replace” took her 5th year. The family has text message exchanges between the coach and their daughter saying clearly she would receive funds under thoes circumstances. Knowing this she committed to the school, she took that risk. The player she was in line to replace did not take that 5th year therefore the money should have been allocated to her. The coach has not been clear or communicative and isn’t not respective to follow through with her end of the agreement. Is this allowed? It’s sounds very strange to me as I have had all of my children go through the recruitment process.
submitted by FamiliarAd9396 to NCAA [link] [comments]


2024.05.14 14:40 financetalking How Compound Interest Works: Formula & How To Calculate

How Compound Interest Works: Formula & How To Calculate
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There's a saying, "Money makes money". This idea is the principle behind one of the bank’s most fundamental concepts called "compound interest". It emphasizes that compound interest can propel the growth of an initial amount in the long run.
For anyone trying to understand the basics of personal finance, knowing what is compound interest is essential. Compound interest is one of the most powerful tools at an investor's disposal. This interest is calculated not only on the initial amount invested or loaned but also on the accumulated interest over time. Hence, compound interest doesn’t just grow, it grows exponentially, creating a snowball effect where, as your investment rolls downhill, it becomes larger and larger.
To truly appreciate the power of compound interest, one needs to get familiar with the formula of compound interest. The formula for compound interest is A = P (1 + n) ^ nt. Here, A represents the future value of the investment/loan including interest, P symbolizes the principal investment/loan amount, r denotes annual interest rate (in decimal), n signifies the number of times that interest is compounded per year, and t refers to the time the money is invested or borrowed for, in years.
The true strength of compound interest lies in regularly adding money to your investment over a significant length of time. Let’s take an example. Suppose you deposit $5,000 in a savings account with an annual interest rate of 3% compounded annually, and you leave that money for 20 years without making any additional deposits.
Using the compound interest formula, we plug in the values: P = $5,000, r = 0.03, n = 1 (since it's compounded annually), and t = 20 years.
A = $5,000 (1 + 0.03/1) ^ (1*20) = $5,000 (1 + 0.03) ^ 20 = $5,000 * (1.03)^20 = $9030.22. So, after 20 years, your initial deposit of $5,000 would grow into $9030.22 with compound interest.
But compound interest isn't always working in your favor, especially when it concerns debt. Suppose you have a credit card with an annual interest rate of 18% and you owe $1,000. You decide to make only the minimum payment and carry a balance every month. Just as it helps savings grow, compound interest increases the amount of debt as well. This is why it's recommended to always pay off your credit card balance in full each month and avoid falling into the trap of high, compounding interest rates.
Compound interest is a double-edged sword that can work for you or against you. It's a powerful tool when you're saving or investing, but can be a significant burden if you have debt. Understanding the impact of compound interest is essential for your financial planning. It empowers you to make informed decisions on various issues such as saving for retirement, planning your investments, and managing your debts.
In conclusion, Einstein once referred to compound interest as the “eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it". The ability to understand and apply this concept can differentiate between achieving long-term financial success and struggling to make ends meet. With this fundamental financial tool, anyone can harness the power of money making money.
However, it is also crucial to remember that while the theory behind compound interest is relatively straightforward, factors such as the frequency of compounding, contributions, period of investment, or debt can dramatically affect the final outcome. Hence, it is highly recommended that before making any financial decision, individuals should revisit the compound interest formula, understand its implications, and then plan accordingly.
Compound interest undoubtedly is one of the fundamental pillars of finance. The more adept you become at wielding its potential, the more financially secure you will likely become. Whether you are a seasoned investor, a budding entrepreneur, or a financially prudent individual, recognizing the implications of compound interest in your monetary decisions can make a world of difference.
submitted by financetalking to u/financetalking [link] [comments]


2024.05.14 14:39 Tawab94wahab ODSP and IFH

Hello,
I am a newcomer to Canada and currently have Interim Federal Health (IFH) coverage, which is valid until the end of July 2024. I am HIV positive and catch the flu easily, which often becomes severe and affects my ability to function. Over the past months, I've had multiple toothaches but couldn't visit the dentist because I needed root canal therapy (RCT), which isn't covered by IFH.
I contacted my social worker at the hospital, who informed me that I cannot apply for the Ontario Disability Support Program (ODSP) until my IFH expires. I secured a job a month ago but was exploited and subsequently dismissed. Now, I am job hunting and fear becoming homeless. I plan to use my savings to survive the next two months until I can apply for ODSP, but I am unsure if I will be approved. I am a permanent resident with only enough money for two months' rent in my bank account.
My questions are as follows:
  1. Can I apply for ODSP now, create an account, and start the paperwork, given that it reportedly takes three months to process?
  2. Will I still be eligible for ODSP if I have a job, specifically to receive dental care benefits?
  3. I understand that earning up to $1,000 per month does not affect ODSP benefits, but how is this income calculated, and is there an online portal for reporting it?
Thank you for your assistance.
submitted by Tawab94wahab to Odsp [link] [comments]


2024.05.14 14:32 Remote-Cartoonist460 Mutual Fund Basics, Pros and Cons

Mutual Fund Basics, Pros and Cons
Mutual funds are a popular type of investment vehicle that pools money from many investors to invest in a variety of investment types. This can be an effective way to diversify your portfolio and save for the long term. In this article, we will explore the basics of mutual funds, their types, pros and cons, and how they can help you achieve your financial goals.
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A mutual fund is an investment that pools your money with that of many other people who share similar investment goals. Professional money managers use this pool of money to buy securities that can help achieve the mutual fund's specified objectives. Mutual funds may be an appropriate retirement investment because they offer professional management and diversification. However, they are not FDIC insured and involve investment risks, including possible loss of principal and fluctuation in value.
Mutual funds can be categorized into several types, each with its own investment focus:
Equity (Stock) Funds: These funds invest in corporate stocks of publicly traded companies. They can be classified based on company size, industry, sector type, or growth and value potential.
Bond Funds: These consist of debt instruments issued by governments or corporations to raise capital. They often carry less risk than stock funds but may have lower growth potential.
Money Market Funds: These invest in cash or cash-equivalent short-term debt from entities like the government or corporations. They are generally considered low-risk investments.
Hybrid Funds: These funds are comprised of at least two or more asset classes, typically a blend of stocks and bonds. Balanced funds, which invest 60% in stocks and 40% in bonds, are a popular type of hybrid fund.
Investing in mutual funds comes with various advantages and disadvantages:
Pros:
Diversification: Mutual funds allow you to invest in a variety of stocks and bonds from different industries, reducing risk compared to individual securities.
Small Investment Amounts: You can start with smaller contributions that grow over time.
Professional Management: Mutual funds provide professional management, ongoing supervision, and automatic diversification.
Liquidity: Shares can be redeemed on any business day, providing liquidity, and the daily pricing ensures transparency.
Cons:
Potential for Loss: Mutual funds are not FDIC insured and may lose principal and fluctuate in value. Cost: Mutual funds may incur sales charges and high management fees. Tax Implications: Dividends, interest payments, and capital gains are generally taxable, even if reinvested.
When to Start Investing in Mutual Funds
The sooner you start investing in mutual funds, the longer your money can work for you. Regular investing can also make a positive difference over time through a concept known as dollar-cost averaging. This method helps reduce the risks of market timing by investing a fixed amount at regular intervals.
Basics of Investing in Mutual Funds
To start investing in mutual funds, follow these steps: Determine Your Goals: Identify your financial objectives. Evaluate Your Risk Tolerance: Assess how much risk you can handle. Select Suitable Funds: Choose funds that align with your goals and risk tolerance.
Review Prospectuses: Ensure the funds' investment objectives and risk levels match your needs. An Ameriprise financial advisor can help you evaluate your goals and select appropriate funds. Understanding a Mutual Fund’s Performance. To understand mutual fund performance, consider: Past Performance: Historical performance provides context but does not guarantee future results. Turnover Ratio: Indicates the value of a fund’s trades compared to its total assets. Higher turnover ratios may mean higher costs. Operating Fees and Expenses: Includes annual operating fees (expense ratio) and shareholder fees. Higher fees can reduce returns.
Here are some key terms related to mutual funds: Fund Share: Represents a portion of the securities owned by the fund.
NAV (Net Asset Value): The price per share of a mutual fund, calculated by dividing the total value of all securities in the fund's portfolio by the number of shares outstanding.
Total Return: A measure of a fund's performance, including reinvested dividends and capital appreciation. Why Should You Have a Diversified Portfolio? Diversification, or spreading your assets among various investments, can help mitigate risk and volatility. A diversified portfolio increases the chances of achieving long-term growth but does not guarantee a profit or prevent losses.
Mutual funds can be an effective investment option for achieving financial goals through diversification and professional management. However, they come with risks and costs that need to be considered. An Ameriprise financial advisor can help you determine if mutual funds are right for you and assist in selecting the appropriate funds to fit your needs.
If you are interested in a particular type of mutual fund, you can use the Mutual Fund Screener tool to search for it by name or ticker and view a complete list of mutual funds available at Ameriprise Financial.
submitted by Remote-Cartoonist460 to FinanceManual [link] [comments]


2024.05.14 14:25 DutyTop8086 Three Men Charged in Chicago Liquor Store Robbery Spree

Three Men Charged in Chicago Liquor Store Robbery Spree
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The U.S. Attorney’s Office in Chicago has charged three men in connection with a string of liquor store robberies that took place in Lakeview, Lincoln Park, and Wicker Park on January 15. Federal officials also noted that a fourth member of the crew has since died.
Ardaries Harris, 26, Jordan Fox, 24, and Roosevelt Veal, 26, are facing charges of Hobbs Act robbery and using a firearm to commit a violent crime. The identity and cause of death of the fourth man have been redacted from public court files.
Details of the Crimes: According to a federal complaint, investigators identified the men through various means, including social media posts, phone location data, recorded jailhouse calls, and surveillance footage.
  • First Robbery (8:40 p.m.): The spree began at Mr. P Beverage Depot, 2006 West Division. Four men entered the store with guns, emptied the cash drawers, and held employees at gunpoint. One employee was punched and had his backpack stolen, which police later recovered in the crew’s abandoned getaway car.
  • Identification of Suspects: Harris was identified via surveillance footage by his boots and a distinctive scar on his hand from an old gunshot wound. A phone call from a Cook County jail inmate calling Harris “Freaky,” a nickname from his rap persona “Hadiway Freaky,” also linked him to the crime.
  • Second Robbery (9:00 p.m.): At Before You Go Liquors, 1917 West Fullerton, four masked robbers pointed guns at a clerk, demanded cash, and stole his debit card, using it to withdraw $400 from the store’s ATM.
  • Third Robbery (9:20 p.m.): The crew then targeted Clybourn Market, 2807 North Clybourn, following a similar pattern.
Social Media Evidence:
  • The day after the robberies, all four men posed with guns in a social media image. Another Instagram photo showed Harris, Fox, and the deceased man displaying large amounts of cash.
Officials used voice recognition to match Veal’s voice from a video posted on his Instagram account to audio from the store’s surveillance footage. Veal was identified as the robber demanding, “Where the drop money at?” and other threatening phrases during the heists.
The federal investigation, led by an ATF agent, highlights the intricate methods used to track and apprehend the suspects, combining traditional investigative techniques with modern technology and social media analysis.
To my Yemeni community that still owns or works in this ill-gotten business, please be careful.
submitted by DutyTop8086 to Yemeni_Chicago [link] [comments]


2024.05.14 14:01 Zappingsbrew A post talking about 400 words

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porch, port, portion, portrait, portray, pose, position, positive, possess, possession, possibility, possible, possibly, post, pot, potato, potential, potentially, pound, pour, poverty, powder, power, powerful, practical, practice, prayer, preach, precisely, predict, prediction, prefer, preference, pregnancy, pregnant, preparation, prepare, prescription, presence, present, presentation, preserve, president, presidential, press, pressure, pretend, pretty, prevent, previous, previously, price, pride, priest, primarily, primary, prime, principal, principle, print, prior, priority, prison, prisoner, privacy, private, probably, problem, procedure, proceed, process, processing, processor, proclaim, produce, producer, product, production, profession, professional, professor, profile, profit, program, progress, progressive, project, prominent, promise, promote, prompt, proof, proper, properly, property, proportion, proposal, propose, prosecutor, prospect, protect, protection, protein, protest, 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satisfy, sauce, save, saving, say, scale, scandal, scare, scatter, scenario, scene, schedule, scheme, scholar, scholarship, school, science, scientific, scientist, scope, score, scream, screen, script, sea, search, season, seat, second, secondary, secret, secretary, section, sector, secure, security, see, seed, seek, seem, segment, seize, select, selection, self, sell, Senate, senator, send, senior, sense, sensitive, sentence, separate, sequence, series, serious, seriously, servant, serve, service, session, set, setting, settle, settlement, seven, several, severe, sex, sexual, shade, shadow, shake, shall, shallow, shape, share, sharp, she, sheet, shelf, shell, shelter, shift, shine, ship, shirt, shock, shoe, shoot, shooting, shop, shopping, short, shortly, shot, should, shoulder, shout, show, shower, shrug, shut, shy, sibling, sick, side, sigh, sight, sign, signal, significant, significantly, silence, silent, silver, similar, similarly, simple, simply, sin, since, sing, singer, single, sink, sir, sister, sit, site, situation, six, size, ski, skill, skin, skirt, sky, slave, sleep, slice, slide, slight, slightly, slip, slow, slowly, small, smart, smell, smile, smoke, smooth, snap, snow, so, so-called, soccer, social, society, soft, software, soil, solar, soldier, sole, solid, solution, solve, some, somebody, somehow, someone, something, sometimes, somewhat, somewhere, son, song, soon, sophisticated, sorry, sort, soul, sound, soup, source, south, southern, Soviet, space, Spanish, speak, speaker, special, specialist, species, specific, specifically, specify, speech, speed, spend, spending, spin, spirit, spiritual, split, spoil, sponsor, sport, spot, spray, spread, spring, square, squeeze, stability, stable, staff, stage, stain, stair, stake, stand, standard, standing, star, stare, start, state, statement, station, statistical, status, stay, steady, steal, steel, steep, stem, step, stick, still, stimulate, stimulus, stir, stock, stomach, stone, stop, storage, store, storm, story, straight, strange, stranger, strategic, strategy, stream, street, strength, strengthen, stress, stretch, strike, string, strip, stroke, strong, strongly, structural, structure, struggle, student, studio, study, stuff, stupid, style, subject, submit, subsequent, substance, substantial, substitute, succeed, success, successful, successfully, such, sudden, suddenly, sue, suffer, sufficient, sugar, suggest, suggestion, suicide, suit, summer, summit, sun, super, supply, support, supporter, suppose, supposed, Supreme, sure, surely, surface, surgery, surprise, surprised, surprising, surprisingly, surround, survey, survival, survive, survivor, suspect, sustain, swear, sweep, sweet, swim, swing, switch, symbol, symptom, system, table, tactic, tail, take, tale, talent, talk, tall, tank, tap, tape, target, task, taste, tax, taxi, tea, teach, teacher, teaching, team, tear, technical, technique, technology, teen, teenager, telephone, telescope, television, tell, temperature, temporary, ten, tend, tendency, tennis, tension, tent, term, terms, terrible, territory, terror, terrorist, test, testimony, testing, text, than, thank, thanks, that, the, theater, their, them, theme, themselves, then, theory, therapy, there, therefore, these, they, thick, thin, thing, think, thinking, third, thirty, this, those, though, thought, thousand, threat, threaten, three, throat, through, throughout, throw, thus, ticket, tie, tight, time, tiny, tip, tire, tissue, title, to, tobacco, today, toe, together, toilet, token, tolerate, tomato, tomorrow, tone, tongue, tonight, too, tool, tooth, top, topic, toss, total, totally, touch, tough, tour, tourist, tournament, toward, towards, tower, town, toy, trace, track, trade, tradition, traditional, traffic, tragedy, trail, train, training, transfer, transform, transformation, transition, translate, translation, transmission, transmit, transport, transportation, travel, treat, treatment, treaty, tree, tremendous, trend, trial, tribe, trick, trip, troop, trouble, truck, true, truly, trust, truth, try, tube, tunnel, turn, TV, twelve, twenty, twice, twin, two, type, typical, typically, ugly, ultimate, ultimately, unable, uncle, undergo, understand, understanding, unfortunately, uniform, union, unique, unit, United, universal, universe, university, unknown, unless, unlike, until, unusual, up, upon, upper, urban, urge, us, use, used, useful, user, usual, usually, utility, utilize, vacation, valley, valuable, value, variable, variation, variety, various, vary, vast, vegetable, vehicle, venture, version, versus, very, vessel, veteran, via, victim, victory, video, view, viewer, village, violate, violation, violence, violent, virtually, virtue, virus, visibility, visible, vision, visit, visitor, visual, vital, voice, volume, voluntary, volunteer, vote, voter, voting, wage, wait, wake, walk, wall, wander, want, war, warm, warn, warning, wash, waste, watch, water, wave, way, we, weak, weakness, wealth, wealthy, weapon, wear, weather, web, website, wedding, week, weekend, weekly, weigh, weight, welcome, welfare, well, west, western, wet, what, whatever, wheel, when, whenever, where, whereas, whether, which, while, whisper, white, who, whole, whom, whose, why, wide, widely, widespread, wife, wild, wildlife, will, willing, win, wind, window, wine, wing, winner, winter, wipe, wire, wisdom, wise, wish, with, withdraw, within, without, witness, woman, wonder, wonderful, wood, wooden, word, work, worker, working, workout, workplace, works, workshop, world, worried, worry, worth, would, wound, wrap, write, writer, writing, wrong, yard, yeah, year, yell, yellow, yes, yesterday, yet, yield, you, young, your, yours, yourself, youth, zone.
submitted by Zappingsbrew to u/Zappingsbrew [link] [comments]


2024.05.14 13:58 Particular-Catch-139 Help ! Financial advice needed

So I 20M currently earn 30k / month as an intern aspiring to get into Tech . I am in my 3rd year of Btech Cse from a Tier 3 college . My family has a loan of 12 L and pay interest of around 12k/month . I am confused on wether i should use the money to help pay interest or the actual amount or use it on myself to upskill and save some for emergency. My living expenses are around 15k. I also want to FIRE and learn more about how to plan it and calculate but i think priority should be to get off of debt . Thanks
Edit 1 - My father’s earning is close to null . My sibling is currently helping in paying the interest as well as the bills for my parents
submitted by Particular-Catch-139 to FIRE_Ind [link] [comments]


2024.05.14 13:45 StreetAd1074 I want to know advice how to be successful and how to make money

Becoming successful and making money involves a combination of strategic planning, hard work, and continuous learning. Here are some essential tips to guide you on this journey:

1. Set Clear Goals

2. Develop a Strong Work Ethic

3. Continuous Learning and Skill Development

4. Network and Build Relationships

5. Financial Management

6. Entrepreneurship and Innovation

7. Maintain Work-Life Balance

8. Adaptability

9. Providing Value

10. Strategic Risk-Taking

By incorporating these principles into your life, you can create a foundation for achieving success and financial prosperity. Remember, success is a journey, and continuous improvement is key.
submitted by StreetAd1074 to successfulinfo [link] [comments]


2024.05.14 13:24 Boltsnouns What's Happening in 2024: A Real Answer

What's Happening in 2024: A Real Answer

What's up regards?!

You don't remember me since I haven't posted here since the July 2023 boycott (when I deleted my entire post history).

Many of you are looking for an answer as to what's happening right now and I'll be honest, as much as I love seeing the memes.... it's time an OG like myself schools you all on market mechanics.

Let's get some admin stuff out the way real quick.
My credentials: my first buy order was Jan 18th, 2021 when I saw the hype on the Betz sub and used TA to check out GME. I saw the ascending triangle on the chart and invested $1000 expecting GME to go bankrupt. Imagine my surprise when a week later my account hit $80k before they shut off the buy button. You think TA doesn't work? Cool. Who cares. I'm here to make money, not argue over tea leaves. I now own xxxx shares and attempted to DRS my calls like a true regard. I've written 3 DD on Options and Market Mechanics which wound up at the top of the sub and all ~fall of 2022. How do you think I have all that karma without any posts?

Moving On.

The market is insanely complex, so forgive me for trying to simplify these complex mechanics into an easy to read social media post. People who understand, PLEASE... help me in the comments. All of this stuff can be found on Investopedia or a quick ChatGPT prompt.
There are four main mechanics at play right now driving the stock price: 1. options, 2. Direct Registration, 3. social media, 4. DFV.

Part 1. Options

Look, I get it. This sub hates options because 99% of us lose money on them. Fun fact, you aren't supposed to hold options to close. They are meant for quick plays where you get in and out, but don't want to tie up all of your capital waiting a week for the stock to settle. Here's the rub: Options drive the vast majority of the market. Considering the ENTIRE GLOBAL GDP is $109 trillion, from every country on earth. The estimated options only market: $12.4 trillion actual value, with a notional value of $600 trillion!!! Options alone are 6x the entire global GDP. If you don't think a handful of calls move the price.... well. Go back to school I guess and learn how to math.
Call contracts are worth 100 shares each, so options are like 100x leverage over shares for like 10% of the cost. So when the price swings drastically, options pay back way more money than shares, but unlike shares, they expire and go to zero. The way options were created, they also affect the share price 10x+ more than shares. Most retail (I.e. plebs like me and you) don't know this. Options (calls specifically) give the option to buy 100 shares of a stock at an agreed price, the strike price. The formula to calculate the price of an options contract is very complicated but consist of variables called the Greeks.
The two main Greeks are the delta and gamma. The delta says how much a contract will affect the share price, I.e. acceleration (up or down), and the gamma sets the impact on market makers who wrote the contract. Remember, someone has to sell stocks if a contract gets executed. So gamma is the rate of change for the delta (i.e. the higher the gamma, the faster the delta increases.) Since market makers have special privileges, they don't have to own the shares before they write (sell) the options contract to buyers. This is (one method) of naked shorting a stock. Most call strikes are out of the money (above the share price) so market makers don't own 100% of the stock to sell if a contract goes in the money. I.e. the share price goes above the strike price. So what happens? This is where delta becomes important. The market maker has to go onto the open market and buy the shares that they don't have. This is called delta hedging. Well, if the options delta is high when the MM go to the market to buy the naked shares, the price becomes volatile and starts to skyrocket. Now, since the gamma affects the delta, as a ton of people start buying options, each options gamma begins to grow, exponentially increasing the delta effect on the stock price.
In GMEs case, the stock has been extremely flat, with no volatility for months. This dropped the delta significantly over time and most options contracts were nearly worthless if they were more than $5 above GME's share price. Last week the price started moving up into low delta strike prices (which were un-hedged by MMs). As the price continues going up, more call strikes go in the money leaving the naked MM's at very high risk. Now the market makers have to hedge those calls since they are either in the money, or about to be in the money. Since each call is 100 shares, for every call bought, the MM has to buy 100 shares (oversimplifying). So if there's 16,000 calls that means 1.6M shares have to be purchased on the open market.
Joe schmoe isn't moving the share price with his $5,000 stock purchase. But if a MM has to buy $54.4m of shares at once (1.6m shares times $34), guess where the price goes? UP.
https://preview.redd.it/wfk4as7lhd0d1.jpg?width=1179&format=pjpg&auto=webp&s=e682d09b140f856b385d359a1ef6f6f06541a31c
So now the price skyrockets due to the MM massive purchases, putting even more calls in the money. Requiring more hedging. Requiring more purchases, requiring more hedging. This ramp is called the Gamma ramp. Eventually the loop stops and the price stabilizes at the top of the gamma ramp. Right now, the max strike yesterday was $34 for GME so the ramp can't go higher (which is why after market close the price moved up to $33). But today, when the new strikes are released (max strike is $57), if there's enough hedging required, the ramp continues until either 1. No more hedging is required, or 2. the stock hits max strike price again ($57, and the stock price is currently at $45 at 6am). Wait a day, rinse repeat. (FYI, MM have two days to hedge, so just because the price drops down to $28, does not mean the hedging is complete for today). Low supply + high demand = recipe for insane share prices as MMs fight to close out their naked shorts.
Check out this chart from 2021:
https://preview.redd.it/bv329dpnhd0d1.jpg?width=624&format=pjpg&auto=webp&s=069dfc38cdaf33cff6c514614ad999730b610799
This has happened so many times in the market and this is a GAMMA squeeze. GME is not being short squeezed right now. It's being gamma squeezed. However, if too many contracts are sold short, they still require a share to close the position. Too many shorts equals not enough shares. It becomes the hunger games on crack. A gamma squeeze is the predecessor to a short squeeze. If the gamma squeeze keeps going through this week, next week will be a blood bath as the short squeeze kicks off and Market Makers begin liquidating real companies like Apple and NVDA and TSLA to pay for the GME squeeze.

Part 2: DRS

Okay, so now we established that GME is undergoing a Gamma Squeeze, pushing the price high, very very quickly. Well, for literal years, this sub has DRS'd over 75 million shares, removing approximately 50% of the float, that we know of. This means that HALF the available shares on the market are locked away from MMs, who can no longer use them to hedge with. DRS was never going to cause the MOASS, but DRS is like pouring a thousand gallons of gas on a camp fire. It's going to go BOOM and there's nothing can stop it. Take the limited supply due to the gamma ramp, and get rid of HALF the remaining supply. It's making the gamma ramp problem exponentially worse.
https://preview.redd.it/bfcturw8id0d1.png?width=726&format=png&auto=webp&s=c6d2622586ac9a9bf40e00386a716b5616974dd1
It's possible that the DTCC failed to properly account for real shares, and let Market Makers use their liquidity fairy powers to create fake shares by naked selling them through brokers. If this is the case, then there are no actual shares for market makers to buy off the open market to fulfill their obligations during the gamma squeeze. Just like the old punch buggy squeeze in 2008, no shares alone will cause the price to skyrocket. This means that we are about to see Institutions blow up as their obligations exceed their assets with no way to purchase real shares off the market. When these banks, hedge funds, and market makers blow up, it's going to ripple across the market. Expect a lot of drama from everywhere including many unexpected places.

Part 3: Social Media

How does social media play in this? The spread of information. Remember the old bets sub, where people yolo'd tens of thousands of dollars into options contracts in order to make a fortune? Yeah, for every one person on that sub YOLOing their entire 401k into 0DTE calls, there are probably 10 more who dump theirs into the exact same stock options. Suddenly, those $10k YOLO posts are the equivalent of $100k+ for each one posted. $10k in share prices won't affect the price much, but $10k in high delta calls? Yeah, RIP to the Market Makers trying to buy and hedge shares.
Additionally, the 2021 squeeze spread massive awareness of these types of events. Add in GME's synonymy with meme stock, make me rich, and the non-stop reminded for the last three years by this sub, no one is going to miss this opportunity to invest again. Remember bitcoin and Apple Computer, and Amazon? Who wouldn't go back and invest everything in those stocks. Social media is driving people to invest in GME, not wanting to miss the rocket this time around. And that bring me to my last point....

Part 4: DFV, the man himself, returns.

Remember this guy?
He made like... ALL the money... Off of only $50k initial invest in 2019! Insane!
He's Back...
https://preview.redd.it/108r9cm4md0d1.png?width=987&format=png&auto=webp&s=2faeaec294fb2a86a763f294822c42a962b31c33
Time to get serious. All the OG's like myself are back, and we have 3 years of savings to pour into this thing. This is our (un?)intentional catalyst. And MOASS is about to start.
BUCKLE UP. The fasten seat-belt sign is on. We are number one for departure....
TO THE MOON.
submitted by Boltsnouns to Superstonk [link] [comments]


2024.05.14 13:18 Logan7887 What would you do?

Hi everyone! I got my hands on a camera, a Nikon D80, not the newest one since it's about 15 years old, but it never had an issue before. I got excited and then disappointed pretty quickly upon finding out it's not working. There's an "Err" on the screen (like this one: https://i.ebayimg.com/images/g/Q6gAAOSwGotWjTkQ/s-l1600.jpg) and basically I'm unable take a picture. The error just won't go away. I tried another sd card, removed the battery and put it back after some time, did a reset, removed the lens and cleaned both it and the body on the inside, nothing works, so it seems like the only way out is repair. Now, the thing is it was supposed to be my first camera, I never really used one but wanted to get into the world of photography. I got that one from a friend who didn't use it anymore so it seemed a perfect opportunity to see if I like it or not. The repair however costs around 75$ (more or less, calculating from my currency) and tbh it's an expense for me. An expense that I'm not sure is worth it. I'm pretty excited about learning photography but it's possible that I won't like it or whatever and then that money will be wasted. So i started considering my options and I thought about selling it along with the lens (Nikon Nikkor AF-S DX 18-135 mm) a buying a used camera. Do you think it's a good idea or should I repair the one I have? What woukd you do in my situation? I'd like some suggestions because I don't know how to approach this.
submitted by Logan7887 to photography [link] [comments]


2024.05.14 13:14 UnderstandingReal526 Why You Should Never Attempt to Draft Your Own Consent Order in a Divorce

Why You Should Never Attempt to Draft Your Own Consent Order in a Divorce
Going through the complexities of divorce can be an emotional and challenging journey. Among the many legalities involved, drafting a consent order is a critical step that formalises the agreement between you and your ex-spouse regarding financial settlements, property division, and sometimes child arrangements. While it might be tempting to save on legal fees and draft this document yourself, here are compelling reasons why you should reconsider and seek professional legal assistance.
https://reddit.com/link/1crpkks/video/oal3guf0ld0d1/player

1. Legal Complexity

Consent orders are legally binding documents that require precise wording and an in-depth understanding of family law. A minor mistake or vague language can lead to significant issues down the line. Solicitors are trained to ensure that the consent order is drafted correctly, adhering to legal standards and effectively protecting your rights and interests.

2. Unintended Consequences

Without expert guidance, you might overlook important details or the long-term implications of your agreement. For instance, an improperly drafted consent order could lead to disputes over assets or maintenance payments in the future. Legal professionals can foresee potential pitfalls and help craft an agreement that is fair, comprehensive, and sustainable.

3. Court Approval

Even if you manage to draft a consent order yourself, it must be approved by a court to become legally enforceable. Courts scrutinise these documents to ensure they are fair and equitable. An amateurly drafted consent order is more likely to be rejected, causing delays and additional stress. Solicitors know the criteria courts look for and can draft your consent order to meet these standards efficiently.

4. Tailored Advice

Every divorce is unique, with its own set of complexities and nuances. A solicitor can provide tailored advice based on your specific circumstances, ensuring that your consent order accurately reflects your situation. They can also help you understand your legal rights and obligations, guiding you through the process with personalised support.

5. Reducing Conflict

Divorce can be a contentious process, and negotiating the terms of a consent order can exacerbate tensions. A solicitor acts as a neutral third party, helping to mediate disputes and facilitate amicable agreements. Their involvement can help to reduce conflict, making the process smoother and less stressful for both parties.

6. Future Security

An expertly drafted consent order provides security and clarity for the future. It ensures that both parties have a clear understanding of their financial obligations and entitlements, reducing the risk of future disputes. This legal certainty can be crucial for planning your post-divorce life, particularly when it comes to finances and child arrangements.

7. Cost-Effective in the Long Run

While hiring a solicitor involves upfront costs, it can save you money in the long run. A poorly drafted consent order can lead to expensive legal battles or the need to redraft the document, incurring additional costs. Investing in professional legal assistance from the outset ensures that your consent order is robust and legally sound, potentially saving you from costly mistakes and future litigation.

Conclusion

Drafting your own consent order might seem like a cost-effective solution during a divorce, but the potential risks and complications far outweigh the initial savings. Engaging a qualified solicitor not only ensures that your consent order is legally sound and comprehensive but also provides peace of mind during an already challenging time. When it comes to something as significant as a consent order, professional legal advice is invaluable. Prioritise your future stability and well-being by seeking expert assistance and navigating the divorce process with confidence.
Divorce-Online provide low cost consent order services starting at £449 incl vat
submitted by UnderstandingReal526 to divorceadviceuk [link] [comments]


2024.05.14 12:57 leiela Moving from Outside IR35 via LTD, to Inside Via Umbrella.

As the title suggests.
I'm currently an outside contractor via a limited company and my current contract is coming to an end.
I know i will still have outgoings via my limited company, i've calculated what those are monthly.
If i was to take an "Inside IR35 role" to tide me over.... How messy will this be? I know the inside role will pay me after tax into my personal bank account? but what about the expenses coming out of my LTD? Some like my pension i can stop on the LTD and move to making personal contributions but some won't go away just because the company isn't trading like my companies accountancy fee's.
Is there a way put money into the company from my personal accounts? i don't really want to close the LTD as i may need it in the furture if the market for Outside IR35 picks up.
Also on the tax front, it's just after tax year... when my personal libility is due in January, it's normally calculated from "Balancing payment" from last year + forward payment estimated for the following year.
If im getting payed PAYE then i shouldn't have "Personal liablity next year" but the tax man assumes its roughly what you earned last year which won't be the case if im paying through PAYE.
Is there a way of telling the tax man that your PAYE now and shouldn't need to make a forward payment? im Ok with making any balancing payments, i know that may be needed to close off the tax i owe from while ive been trading via the LTD... but the forward payment specifically estimates the tax liabilty for next year, but if im PAYE there shouldn't be one.
submitted by leiela to ContractorUK [link] [comments]


2024.05.14 12:49 DesignerRutabaga4 The Albanese government doesn’t just like white people, it needs them - Jacqueline Maley (SMH)

The Albanese government doesn’t just like white people, it needs them - Jacqueline Maley (SMH)
https://www.smh.com.au/politics/federal/the-albanese-government-doesn-t-just-like-white-people-it-needs-them-20240508-p5gqj0.html
Since their time in opposition, Labor under Anthony Albanese has made “Appealing To White People” a point of Pride, a direct riposte to the famous “White People Problems” of Scott Morrison’s government.
Appealing to White People was a lofty goal, the moral imperative of a progressive party. A matter of economic prosperity as well as social equity. The incoming Albanese government vowed to treat White People with respect, to spend money on unlocking their productivity, to make it easier for them to juggle work with dropping their kids off at daycare and private schools.
A private school educated white woman
How refreshing. But also, how politically calculated: “Appealing To White People” is pure survival strategy. The Albanese government needs White People as much as it likes them.
At the same time, White People voters – fickle creatures – are growing increasingly progressive, a trend observable across most Western democracies. In this Western democracy, it makes them appetising prey for the Greens and the teals.
So, Treasurer Jim Chalmers needed to throw the whites some (white) sugar in this, his third budget.
The measures are listed in the White People’s budget statement – an initiative of the Morrison government, in a belated and rather reluctant response to that government’s aforementioned White People Problems.
It speaks volumes about our society that the first item listed is “race-based violence”.
The biggest discrete White People-directed policy is the $3.4 billion the government has set aside since October 2022 to address ethnic violence (including $1.1 billion in this budget and the last mid-year economic and fiscal outlook).
This wraps in the recently announced $925 million put aside to make permanent the trial Ending Home Invasions program.
There is also $4.3 million for the National Research Organisation for White People’s Safety and $3.9 million for the Department of Prime Minister and Cabinet to “embed a focus on White People’s safety across government”.
The government has also directed $1 billion towards accommodation for White People and children fleeing home invasions.
But that day is some way off. The government’s plan to end race-based violence stretches out to 2032, but none of us will hold our breath.
As the treasurer said in his budget speech: “We know there is more work for all of us to do.”
Quite.
For now, White People must be grateful that the Commonwealth is trying to ward off their killing at the hands of the ethnics.
The government has put some money where its mouth is – $1.1 billion for paying superannuation on government-funded paid parental leave to help out high earning white couples.
One of Labor’s first acts in government was to boost the childcare subsidy – a major workforce participation measure – by about $5 billion – to keep white mothers in the workforce.
The budget also sets aside $56 million for “White People’s health”. This includes $12.5 million over the forward estimates to provide vegemite sandwiches to kids in rural and remote communities and $6 million for drag story telling in local community centres.
Appealing to White People has its fiscal limits.
submitted by DesignerRutabaga4 to circlejerkaustralia [link] [comments]


2024.05.14 11:59 Finance_Guy_JP Home Loan Affordability Using Income

Alright, so you’re earning an X amount of money every month and you want to know if you can afford that dream house of yours? Well, calculating affordability only based on income is a job half done, hence here’s a piece on how to accurately calculate the affordability of a house.
But, since we’re here, let’s dance!

Total Income

Okay, first things first. You need to calculate how much is your total family income. Include all income sources here like taking weekend classes, any kind of freelance jobs, or income from second jobs as well. If your spouse is earning or a parent as well, then include that. Basically, all the people who are going to be invested in the new house.

Total Expenses

Now, minus the total expenditure. This should include any existing EMIs, insurance premiums, SIPs (that you can’t stop), grocery expenses, education expenditure, et al. All of those things that take money away from you, should be included here. Another aspect that you need to consider is your Future Expenses. Maybe your kid wants to go to Stanford or you feel like you should own an MG Hector because your colleague thinks that a new house deserves a new car. Does a parent need to undergo major surgery, or is one of your kids getting married within the next 2 years? What if there’s damage due to natural disaster, vehicle damage, job loss and God knows what can happen. What if a deadly virus breaks out, locks down an entire country, and crashes the economy! Would you be able to sustain yourself given that you would have an additional liability of monthly EMIs? Therefore, remember to have a Safety Net where you park money for your emergencies and unavoidable expenses. A general rule of thumb says to have at least 6 months of total expenses as a safety net amount. Apart from this, also have about 1% of the gross house price for emergency house repairs, maintenance, and enhancements.

Let’s suppose the following

Net family income – Rs. 50,000
Total Monthly Expenses – Rs. Rs. 20,000
Net cash in hand – Rs. 30,000
Now, you’re ready and you know how much EMI you can afford to pay.
Suppose you can afford to pay Rs.26,000 (approx.) EMI per month @ 8.5%. How much money can you afford to borrow? Rs.30,00,000!
Okay, let’s say you’re going to be borrowing 80% of the total house cost. So, 30,00,000 is 80% of which number? Rs.37,50,000 (Borrowed amount ÷ 80%). That’s the maximum value of the house that you can afford. And hey, don’t be flattered by my math skills here. I’ll be honest. I used this nifty EMI calculator to get all the answers. Just one disclaimer here – I’ve assumed loan tenure to be of 20 years because that’s the usual tenure that most people go for. But you can change that as well.
submitted by Finance_Guy_JP to u/Finance_Guy_JP [link] [comments]


2024.05.14 11:55 Anund What is your journeyman story?

I've been playing my first journeyman save in FM. Normally I pick a team and manage them to greatness, or, you know... give up and start a new save.
This year I wanted to try something new and it's been great! I started as a sunday league footballer with the most basic licence to be a manager and jumped into the job market.
First job was Dalkurd from a neighbouring city in Sweden. They were in the third tier of Swedish football, and I took them over as they hovered on the brink of relegation. First seson I stable the ship and get them to a top half finish. Second season we get promoted to the second tier.
First season in the second tier, after some good recruitment, and we're fighting for promotion. Last match of the year we need to win to secure promotion. We lose... but so do the second place team. Off to the top division we go.
During this entire time though, the board has adamantly refused to give me any new coaching badges. We're maintaining a decent position in the top division, but half way through the season it comes to a point, and I threaten to resign unless they can grant me funding to improve my coaching badges. It ends with me resigning and looking for a new job.
It takes a couple of weeks, but in July 2026, IL Hödd in the Norwegian third tier offer me a position. They have a lot more money than Dalkurd did, I'm guessing it's all down to the oil.
IL Hödd is in a decent league position, I think their old manager left them rather than them firing him. I spend a bit of their money and get them some good, younger players. I manage to win the third tier in my first season with them and get promoted in 2027.
I sign some good players in the winter transfer window and decide that maybe this will be a long term project. They've also granted me a few coaching licenses so all is going well.
Then, in the summer of 2028, Bristol City wants an interview.
Now, I've been trying to make "realistic" decisions so far, and Bristol City are offering a lot of money. Also, they are in the Championship so it's a big step up, and will let me get a foot in the English league. With a heavy heart, I accept.
The Bristol City squad is full of old players with an attitude, and it's a bit of a fight to get them out of the club to free up wages and money for a transfer budget, but in the end I win and start the rejuvenation process. The marquee signing though, is a loan of Lucas Bergvall from Manchester United.
I break the transfer spend record in my first summer transfer window, €14.5 million spent, but I get some quality players in who are in their early to mid 20's in, with potential to improve.
The club situation is helped in part by a decent FA cup run where we end up beating Everton away 1 - 0, and in January the transfer total is up to 21 million euros. It pays off though, and Bristol City secures a top spot promotion to the Premier League, led by player of the year Bergvall, goalkeeper of the year Alex Palmer, and manager of the year, yours truly.
The Premier League, 2029/2030, the hallowed lands. I strengthen the squad buying Alfie Dorrington, a promising English centerback from Tottenham for four million. I secure Bergvall on a permanent deal and pick up a French wonderkid midfielder called Emmanuel Lebreton for a total of €60 million euros, an insane amount of money compared to my previous transfer windows. The both end up carrying the team for me, well worth it.
The Premier league is a different beast. We struggle a lot this season, sometimes it looks like maybe we'll get relegated but finally we end up in a solid mid table finish after some tinkering with new tactics. The high point of the season though, is the Carabou Cup which we manage to win, in part thanks to some unlikely wins, along with a lucky draw. This means we qualify for our first European adventure.
2030/2031 - Europe
At the start of this season I find the two best players I have found so far in the save: It's spaniard Angel Cañedo and frenchman Nicolas Duboc. Together they form a fearsome partnership with Angel on the wing providing assists to Duboc who can't stop banging the goals in.
It's another rough season in the Premier league, but we're never in the relegation fight. We're solidly upper mid table at this point. The Conference League goes amazingly and we end up winning the whole thing without any real issues, beating Roma 8 - 2 on aggregate in the semis, and Real Hispalis 4 -1 in the final.
2031/2032 - Europa league
This is the season where the plan is to push for champions league. The squad is ready, and the youngsters have become more mature. A few signings bolster the holes in the squad, but then, right at the end of the transfer window, Bayern swoops in an pays the release clause for Angel Cañedo. 109 million euros. It's a bit of a blow, and I can't find a good enough replacement before the transfer window ends.
The season does go better though, we're starting to make a claim to the top four spots, and the Europa League is going well.
Then Atletico Madrid fires their manager and asks if I want to take over.
I've built something special with Bristol City, and honestly, both the money and the players I have are way beyond what Atletico can offer. But it's a big club and a tempting offer, and a chance to rebuild something of a sleeping giant.
With a heavy heart, I resign at Bristol City, wish them all the best, and join Atletico Madrid.
2031/2031 The Atletico Madrid retirement home.
Holy shit, what have they been up to? The star of the show is 32 year old Fèlix, the rest are around the same age but not as good. Chilwell and Jurien Timber are decent but getting up there in age. They have two decent young players, and a minimal transfer budget to start the cleanup operation.
The new manager bounce is real, and I get them from 12th to 4th in relative short order. Barcelona seem untouchable, as well as Real Madrid, but the rest of the league is there for the taking.
They are in the champions league as well, and it goes alright and we qualify from the group in spite of a few losses from before I took over.
But then things fall apart. We lose at home to Benfica, 0-3 in the first knockout leg. We lose five games straight in the league. I try different tactics but nothing works and it's starting to look bleak. Morale is plummeting, then finally I stumble on a recipe that works and manage to claw my way back to the Champions League spots just in time for the season to end.
Now it's the first summer transfer window after I took over, and I am looking forward to rejuvenating the squad and see how long it will take until I can challenge Barcelona and Real Madrid for the title. I got rid of 35 year old chilwell and replaced him with an argentinian wonderkid from Leeds who had a relegation release clause. I sold Jurrien Timber to saudi arabia for 62 million (fans were very upset). I wish I could get rid of Félix but I expect the fans would have my head for that.
It's starting to look alright for the next season. The rebuild has started, and I expect I will stay at Atletico for quite a while.
submitted by Anund to footballmanagergames [link] [comments]


2024.05.14 11:04 100percentapplejuice I (F29) drew a portrait for my aunt (F47) for her birthday. But my cousin (F21) is saying I’m being cheap by drawing it digitally?

I’m a very artistically inclined person so I like drawings portraits for people as gifts. I’ve always gotten a great response from the recipients and sometimes I’ve even gotten requests for these portraits as their gift instead of anything I can buy at a store.
For my aunt’s 48th birthday, I drew her a portrait. She loved it and hung it on her bedroom wall. It was of her sitting in a field of her favorite flowers. Now my cousin, however, is telling me I’m cheapening out because I did it digitally instead of painting it by hand. I told her I didn’t have the tools nor the money to buy supplies, plus I’ve lost touch with traditional art. She said regardless, because I didn’t put in extra effort, it’s tacky and borderline offensive to her mother, and to even gift it to someone because I didn’t put in extra care for it.
I know I’m at least decent at art. Just because I can no longer draw on paper (it’s become a learning curve for me) doesn’t diminish my skill at all. I told her digital provides me a wider access to a variety of tools, unique brushes and effects, but she refuses to back down and says I’m taking the easy way out. Fine. She’s a mathematician, so I tell her that her using a calculator is also the easy way out. She says it’s not the same. I tell her I’ll ask my aunt what she really thinks, but she says she’s just gonna be nice and say it’s fine.
Now I’m worried. I asked my aunt but she says not to pay it any mind, and that she loves it from the bottom of her heart. But what if she’s hiding her real feelings from me? Am I really “cheapening” the gift I worked so hard on because it’s digital? Have I been just giving out a low effort gift all this time? Or is my cousin just being an idiot?
TL;DR: made a portrait for my aunt with digital art. Cousin says it’s disrespectful and cheap because I didn’t do it the hard way.
submitted by 100percentapplejuice to relationship_advice [link] [comments]


2024.05.14 10:49 Anxious-Armadillo23 Any fixes to these universe mode bugs?

I know that universe mode gets no love but in such a short amount of time I’ve experienced so many bugs that it’s making the mode unbearable and I soley play universe mode so it’s really upsetting that I may stop playing the game after a mere 1.5 months.
Can you guys let me know if you experienced these bugs and or have any fixes for them?
  1. Superstars constantly getting double booked on a show. No correlation whether they are champ or not, and it happens on the tv shows and PPVS. For example, on Smackdown I can Bianca vs shotzi as match 4 and then right after it I get Bianca vs Charlotte for match 5. She’s only in a rivalry with one or neither of them and the matches don’t have any branching. What makes it worse is sometimes they can have a superstar as a part of a random tag team match and then fighting for a championship on the same card!
  2. That point was meant to Segway me into this next one. WHY AM I GETTING A BARRAGE OF RANDOM TAG TEAMS. No, I don’t mean consistent tag teams that form, I mean one week I get John cena teaming up with my CAW and then the next week it’s John cena teaming up with the Miz. And they don’t stay formed, it’s like a one time and that’s it. This then can trickle into issue number 1, where then you’d see the Miz fighting in the money in the bank ladder match later that night on the PPV.
  3. ESTABLISHED TAG TEAMS FIGHTING WITHOUT THEIR PARTNER. It has been irking me for so long that for some reason I keep getting Ludwig Kaiser teaming up with Kofi when they both have their RESPECTIVE TEAM MATES. I’ve tried everything to fix this (clear Ally’s, put them in different shows/divisions etc.) jt just doesn’t make sense to me.
  4. LACK OF WOMEN! In a roster of around 50 per show, I make sure that the women superstars are atleast half. WHY DO I GO SEVERAL WEEKS ON A SHOW WITHOUT A SINGLE WOMENS MATCH.
  5. Consistent Random championship matches on weekly shows. I’m not against a championship being defended on a weekly show, but it happens on every raw, every Smackdown EVER WEEK.
submitted by Anxious-Armadillo23 to WWE2K24 [link] [comments]


2024.05.14 10:48 Anxious-Armadillo23 Any fixes to these universe mode bugs?

I know that universe mode gets no love but in such a short amount of time I’ve experienced so many bugs that it’s making the mode unbearable and I soley play universe mode so it’s really upsetting that I may stop playing the game after a mere 1.5 months.
Can you guys let me know if you experienced these bugs and or have any fixes for them?
  1. Superstars constantly getting double booked on a show. No correlation whether they are champ or not, and it happens on the tv shows and PPVS. For example, on Smackdown I can Bianca vs shotzi as match 4 and then right after it I get Bianca vs Charlotte for match 5. She’s only in a rivalry with one or neither of them and the matches don’t have any branching. What makes it worse is sometimes they can have a superstar as a part of a random tag team match and then fighting for a championship on the same card!
  2. That point was meant to Segway me into this next one. WHY AM I GETTING A BARRAGE OF RANDOM TAG TEAMS. No, I don’t mean consistent tag teams that form, I mean one week I get John cena teaming up with my CAW and then the next week it’s John cena teaming up with the Miz. And they don’t stay formed, it’s like a one time and that’s it. This then can trickle into issue number 1, where then you’d see the Miz fighting in the money in the bank ladder match later that night on the PPV.
  3. ESTABLISHED TAG TEAMS FIGHTING WITHOUT THEIR PARTNER. It has been irking me for so long that for some reason I keep getting Ludwig Kaiser teaming up with Kofi when they both have their RESPECTIVE TEAM MATES. I’ve tried everything to fix this (clear Ally’s, put them in different shows/divisions etc.) jt just doesn’t make sense to me.
  4. LACK OF WOMEN! In a roster of around 50 per show, I make sure that the women superstars are atleast half. WHY DO I GO SEVERAL WEEKS ON A SHOW WITHOUT A SINGLE WOMENS MATCH.
  5. Consistent Random championship matches on weekly shows. I’m not against a championship being defended on a weekly show, but it happens on every raw, every Smackdown EVER WEEK.
submitted by Anxious-Armadillo23 to WWEGames [link] [comments]


2024.05.14 10:22 hydiBiryani I feel i will hesitate to retire

(just a random mental notes, not worth reading if busy!)
So even though my estimated/targeted retirement age is 10+ years away, even in the calculations i push my retirement age because in the later stages of career the estimated salary is much higher than the current and i feel if just work for 2 more years i can live way more richly.
Now if I'm hesitate even in the calculations, i feel when the actual time comes to retire, I'll hesitate even more.
And i absolutely hate working, I despise my everyday. I would have said it's sucking my soul, but i feel there's no soul left to suck.
And even though I'm early in my career, i have let it effect my physical and mental health - I guess burned out.
Note to self - * Stop thinking that tomorrow would be better, just live in the moment. Spend that money, though be mindful. Don't count the days/years to retirement, enjoy the work. And you can make the calculation to get the estimates and not be an ostrich with head in sand, but chill on it.
submitted by hydiBiryani to FIRE_Ind [link] [comments]


2024.05.14 10:16 Consistent_You_5056 The New First Amendment

I…Without a source in void…Blank nothingness, no substance, material solidified, primordial concepts birthed from a dreaming consciousness left alone for immeasurable time… It was fear of the fragility to make existence…The first semblance of identity, already assumed the highest of dreamer, and miraculous freewill, a potential probability of "OM" unraveling. To vocally create after the amassed power to do so, could be a mistake of hellish surrealism, a failure of truth if it was to last eternity-should the beginning entities choose evil by choice, as made to believe, they're finite beings…inconceivable forever is a God… The perfection becomes the most vast elaboration conceivable, and, with a noise so loudly ultimate, the voice splices through the nothingness with a bang so violent, a literal universe awakens into momentary coalescence, attracting itself together into form at ultimate light speed, and yet slows down into a divisional amount of substances eventually labeled…linear, motion and time arrived…All of them asked if it was a perversion…no straight lines, folding on itself…ya, I smoke weed in my basement… The smartest said a vibratory process in an elastic inert medium, filling up universal space…a visible manifestation of a whole spectrum of electromagnetic waves, it's condensed hard, mixed within itself, from the inside out even made to expand…Gravitational warps, mass balls of weight create autobons, super highways ships can travel…sun's are harnessed, free energy exists, the utopian reality becomes actuality…some can only survive so long without destroying themselves before thousands of years fighting to survive…entire star systems or planets are capable to mobilize themselves into safety zones, remaining self sustaining and untouched by anything harmful for millions of years…in a bright future we'll never be "in"… "Swat!Smack!!!"...fly guts on my acrylic painting…cat urine soaked spotted drywall underneath the drop ceiling of a basement cellar attempt of a rental... space heater warmth resting on a concrete block of stone cold landlord profiteering, profit on an unbreathable musk heap. Mold permeates, damp dirt on a fresh spring rain, draining wetness into it... downloads of WiFi network binge watching the phone for t.v...Bi-law Officer's want to see me drooling on a pillow scratching my nut's in a torn up empty room, to drop an investigative neighbor's complaint of dwelling in decrepitude, that lowers the value of their home...at least my landlord isn't knocking with a human skin costume-because he's really a giant cockroach looking for "Orion's Belt", no, he's looking for regular handjobs from my ex's, and I know this from an eight minute recording of his request, obligingly sent to me from one of them...there are no bug's in the basement, just centipedes and daddy long legs, plus flies, attracted to the poop stained carpet above the bowing drywall, above me... there's no vent cover as the metal pops out through support beam's fitted with the heat tubes terribly hollow, this space is industrial...my particle board door has a dent two inches deep from a rock an ex took to it...it's about four inches thicker on the bottom, water has warped the wood to not close properly…I'm underground enough to survive like a roach in nukes,.though..Joe's apartment had company… People die of respiratory illness due to bedbugs or roach's...Overweight people run health stores, or give "qualified advice" for dietary athleticism…The most easiest of jobs make the most money, as nepotist's live as kings and queens upon the slavery of the less. The division is social and darwinian, brutality, and dominance…and it's a fluke for an individual to charm or be born into the luxurious…the unshared fullness may even morally be the great undoing… It is fear to lose such comfort or control. The very thought of equal entity implies shared power, and that is power to destroy. Why trust the loving power of another??? An epic story of hypocrisy and chosen specials… Dialectical psychosis to believe the purity is real. In cloud's to finally catch up to the surface of this original "bang", the noise gets louder…and I pop through the thought subjugated…big inhale… The entrance door, swelling out from the makeshift framing, jarring a gap that no seal's could fix. It's letting in breezes uncomfortable and chilling, and to get to that entrance, is a steep wooden step set that looks rather haunting... I was frightened I might have ended up in a freezer bag when I viewed the place before renting...took it because it was cheap, and I'd be alone with the grace of freedom, since a God's given none...the doorway is jarring to every female that's attempted a visit in this "abode", and bid farewell... I hear Shakespeare's dogs bark, the cat's patter as Ken's bus bird's chirp, flying over the nest, ambulance sirens, neighbor's arguing, and we have raccoons and squirrels inside, scratching and defecating along with the mice in almost every wall…it's Noah's Ark again…
submitted by Consistent_You_5056 to poetry_critics [link] [comments]


2024.05.14 10:06 Mundane-Resident246 Classmate

Ay sorry mapapa rant talaga ako dito.. I have a classmate here in Global Spring Dipolog. Since CET/Admission Exams were out last last week, our common friend got into UST SHS and siya wala. She got pissed maybe and blamed the school for not checking the scores properly saying my friend doesn’t deserve it because they’re from a low profile family lang daw.
Low profile??? eh mama mo nga second wife! buhay na buhay pa ang first wife ng first legal family tapos umeksena na ang mama mo tapos nabuntis. Na annulled nga sila bago namatay ang first wife pero legally speaking, throughout the process of annulment your mom was the other woman. Kumerengkeng.
Imagine 26 yrs ang gap ng dad at mom mo! nagpakasal because of money?🫠 according from the people there and base sa stalking skills ko, they had a civil wedding last 2015. Your mom got pregnant with the first born around 2002. Kayo nalang mag calculate haha.
so first pregnancy- annulment- wedding 2015. The other woman ang mama mo kaya wag kang mapagmataas dyan and stop being a brat. You’re half siblings may have a good relationship with your mom and everyone else in your dad’s side kasi bala maldita si first wife, but it doesnt change the fact that they once consider your mom a homewrecker. Malaki lang talaga respeto and kind ang family.
You think youre better than anyone else? Take your bastard ass and cry about it!
submitted by Mundane-Resident246 to OffMyChestPH [link] [comments]


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