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The Uber Driver's Subreddit

2013.11.05 07:45 Deucer22 The Uber Driver's Subreddit

This subreddit provides a place for Uber drivers to discuss their experiences and for riders to ask about what it's like to drive for Uber. This subreddit has zero corporate influence from any outside entity.
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2013.05.21 19:06 homer2320776 Xbox One • News • Discussion • Community

Place for all your Xbox One related news and discussion!
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2008.11.13 06:13 /r/Xbox

**Topics related to all versions of the Xbox video game consoles, games, online services, controllers, etc.**
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2024.05.15 22:38 malashex Ubisoft's woke virtue signalling used to be mildly annoying, now it's just blatantly offensive.

Unpopular opinion and I know I'm gonna get downvoted to hell for this and probably laughed at, but I have to get this off my chest.
It absolutely baffles me that they went with a black male protagonist for this game.
This is a game set in an ASIAN COUNTRY with an ASIAN THEME based on ASIAN HISTORY, yet we have a non-Asian male as the protagonist. It’s not just farcical at this point, it's blatantly offensive.
Imagine if Ubisoft had made an AC game that's set in Africa, but chose to cast a white dude as the main character. Imagine the huge uproar that would erupt on social media from certain groups (looking at you, Sweet Baby Inc.) if Ubisoft had done something like that. All those woke idiots would be loudly crying racism from the rooftops and demanding a public apology from Ubisoft.
Now how do you think us Asians feel about being forced to play as a black dude in medieval Japan of all places? I'm sure those same woke idiots would call it "progressive" and "inclusive". I call it outrageous and infuriating.
I take particular issue with this because Asian men have been historically underrepresented in all forms of media.
We see plenty of white male protagonists in films, TV shows and video games.
We see plenty of black male protagonists in films, TV shows and video games.
But we rarely, if ever, see any asian males in Western media, especially as the main protagonists. Go ahead and count the number of Asian men who play lead roles in Western shows. Now count the number of white and black male lead protagonists. Now compare the numbers. I guess when Westerners refer to the importance of allowing more diverse representation of "people of color" in media, they're only referring to blacks and maybe hispanics, and no one else. No other ethnicities allowed.
This is a recurring problem not just in video games, but in all forms of Western media.
The recent Shogun and Tokyo Vice TV shows both have white dudes as the main characters (yes I know they're both based on books from white dudes, I don't care, and in fact it kind of proves my point). The 3 body problem (based on a Chinese novel set in China with a nearly all-Chinese cast) recast nearly all of the characters to be non-Asians, and even gender-swapped the male protagonist to become two females. And we even recently had wonderfully smooth-brained tabloid articles cropping up on the web complaining about why there aren't any black people in Shogun. It really does seem like the West has a serious aversion to making any media set in Asia without having a non-Asian male perspective. Is Asia really that "exotic" or "alien" that audiences don't want to see an Asian man as the main character? That the only way to make sense of the "exotic" and “alien” Asian culture is to have a non-Asian window into it?
Even in the few cases where Asian men are represented (albeit in non-lead roles), we're often emasculated and desexualized, being stereotypically portrayed as either the skinny and nerdy maths whiz or the weird and funny Kung Fu master. The West loves to emasculate us even further by regularly casting Asian women as the love interests of non-Asian male protagonists. And now we’re even being replaced by non-Asian actors in roles that should rightfully have been played by Asian men.
Now before you chime in with "B...b...but Yasuke was a real person and he was a samurai!!!!111oneonone", yes I've read about Yasuke and I know it's historically accurate that he was present in Japan in this time period.
But you know what else is historically accurate in this time period? JAPANESE MEN IN JAPAN.
In fact, I would argue that is much MORE historically accurate and would have been much more common to see JAPANESE MEN IN JAPAN in this time period, instead of black men in japan during this time period (especially given that Japan remains one of the most ethnically homogeneous and xenophobic countries in the world, but I digress). Controversial opinion, I know.
For all of Ubisoft's vaunted claims that they care about promoting the fair and respectful representation of different cultures, this is anything but respectful.
This was Ubisoft's opportunity to improve the visibility and representation of Asian males by having an Asian man as the protagonist of a game set in an Asian country, but as with the rest of their games, it seems that Ubisoft is more preoccupied with virtue signalling and pushing their race-based political agenda than anything else.
And as for Yasuke, there is no conclusive evidence that he was ever a Samurai. Much of what we know about him comes from the Shincho Koki and some writings from foreign missionaries, none of which explicitly mention that he ever held Samurai status. All that we know, for certain, is that he was in the employ of Oda Nobunaga as a weapon bearer, but bearing a lord's weapon on its own is no definitive indicator of Samurai status. But unfortunately, woke idiots with an agenda have latched onto this one little factoid and made the giant logical leap that he must have been a Samurai and are now pushing that as an official narrative. And Ubisoft being Ubisoft, never one to squander an opportunity to virtue signal about how much they support woke causes, are now taking up that narrative as well.
It’s ridiculous. Ubisoft has already featured black male protagonists in a few of their past AC games, Adéwalé and Bayek, to be specific. NONE of the AC games thus far have had an East Asian male protagonist. Not a single one.
I suppose you could argue that those games weren't set in Asia, so I'm willing to give Ubisoft a free pass for those ones, but when they finally, FINALLY make a game set in Japan, the one place in the world where it would not only be perfectly reasonable but expected to cast an Asian man in the lead role, who do they choose to cast instead? A black dude. At this point, I'm not sure if Ubisoft is deliberately trying to insult Asian men, or if they're just clueless.
It's even more frustrating when you consider that historically Ubisoft has been willing to cast minorities as main characters in settings where it actually made sense for them to appear. Assassin's Creed III (set in America) had a native American as the main character, and the recent AC: Mirage had an Arab dude as the main character.
So if they are perfectly capable of casting a Middle Eastern dude as the main character for a game set in the Middle East, and they are capable of casting a native American as the main character for a game set in America, why can't they cast an Asian dude as the main character for a game set in FUCKING ASIA OF ALL PLACES?! It's straight up insulting.
And more broadly, what sort of message is Ubisoft trying to send here, exactly? That Asian men aren't "manly" enough to be leading men? That only non-Asian minorities can be leading men? That an Asian man can’t be the hero? That only a black man can save Japan? Well that, in itself, is racist. But then again, for all the woke idiots out there, it’s the right kind of racism, I suppose.
I think I’ll wrap things up here, because I'm probably just shouting into the wind. This game will go on to sell millions of copies, be praised as the next Quad-A masterpiece from Ubisoft, everyone will laud Ubisoft for being so "progressive and inclusive", and us Asian men will continue to be shafted. I guess cultural appropriation is perfectly okay when black people do it!
TLDR: The West's emasculation of Asian men continues. Rant over.
EDIT: On a side note, I really love how Ubisoft cynically exploits minorities and women for its own financial gain. We're talking about a company that was exposed as having an extremely toxic culture and had numerous sexual harassment allegations levelled at them only a few years back, and some of its employees were even arrested for sexual assault, which one lawyer referred to as "systemic sexual violence". Gee, that's somewhat ironic for a company that loves to publicly rant about how much it cares about women, and regularly casts women as main protagonists in a lot of their games... It's almost as if they're a bunch of virtue-signalling liars! Let's be honest, this company doesn't actually care about minorities or women, it just likes to use them to score easy brownie points and make everyone THINK that they care. "Hey look! We care about all these progressive issues! We respect women and minorities! We respect them so much we cast them as main characters in our games! We. Care. So buy our games! Buy games from The Company That Cares TM"
submitted by malashex to assassinscreed [link] [comments]


2024.05.15 22:38 Historical_Music_675 I'm bad at my job

I'm a Technical Support Engineer at a software company and feel really bad at my job. Some background, I'm a bootcamp grad that covered Java on the backend and Vue on the Frontend and have wound up in this technical support engineer role where the company uses C# in a really old code base that I don't understand at all.
In the bootcamp we learned that on the server side you write java code to create your apis then the front end code consumes that API to display data to the users. Here I'm not even sure how that all interacts. The codebase is 20ish years old and uses C#/.NET on the backend and our frontend is also written in C# from what I understand? With javascript, html, and css as well. I don't really know much about the frontend other than our pages end in .aspx.
It just seemed so much simpler with Java and Vue than it does now. With java I could run my server locally super easily out of IntelliJ and generally had a good understanding of how things talked to each other. Now I barely understand how to run my applications locally since there's many more moving pieces to the matter.
Luckily a lot of my job involves me writting or debugging SQL queries which I'm fairly confident in but when I get tickets that require me to figure out why things aren't working in the codebase itself I am clueless. I barely know my way around Visual Studio (quite the departure from IntelliJ) and I just generally don't understand the architecture of our applicaton and don't have the slightest clue as to how to debug it.
I work on a very small team (1 other person) and she's as helpful as she can be but also has a ton of other stuff going on and doesn't have the time to sit there and train me. My direct superior is a non-technical person so they can hardly understand the struggle that I'm dealing with, HTML and C# might as well be the same exact thing to them.
I feel like I'm drowning here and I really want to get better but I have no idea how to start. Anyone have any suggestions on what I can do to get better at my job? I'm open to just about anything at this point.
submitted by Historical_Music_675 to csharp [link] [comments]


2024.05.15 22:35 contrabassoony How to job hunt when you're burnt out as shit

So, tale as old as the internet: I am a software engineer in a pretty bad bout of burn out. Between my manager making things worse and issues with HR (long story short: I reported someone, HR did next to nothing,) I don't think I'm going to get over this at my current company. So I'm thinking I need to find a new role.
The trouble is, I don't know how I'm going to do this when I feel so tired, apathetic and self-doubting. I'm trying to write my CV on an AI tool and I can't bring myself to write any bullet points longer than a few words. I know I'm not going to perform well in any interviews like this. As for code tests, forget it. As if I'd be able to spend an entire evening completing some coding task when I'm at the point where I can't do my actual day job.
What do I do here? I know finding a new job might be the key to getting out of this burn out, but my brain feels too broken to actually find a new job. I barely have the energy to do anything other than sit about and watch YouTube. It doesn't help that I'd ordinarily want to be pretty picky about things like salary, benefits and work environment so I'd anticipate my job hunt maybe taking some time. Thankfully I'm not going to give my notice in until I have another offer.
I'm trying to self-care my way out of this and it's not helping much. I'm forcing myself to the gym every day and I just came back from a week of holiday but I feel no different. I'm starting therapy on Friday. But assuming that might not help much (my previous experiences with therapy have generally been pretty fruitless,) how do I actually find another job in this state? How do I fake it in interview? How do I do my CV? (Also for info, I haven't done a job hunt for several years so I'm a bit of a noob anyway)
submitted by contrabassoony to UKJobs [link] [comments]


2024.05.15 22:35 WCInvestor A Physician Disability Insurance Primer - Do You Really Need It?

A Physician Disability Insurance Primer - Do You Really Need It?
The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes.

TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance

  1. The best Disability Insurance policy is an individual, portable, own-occupation, specialty-specific policy.
  2. Purchase disability insurance from an independent agent who can show you policies from all of the major companies. We have a list of recommended Disability Insurance agents used by thousands of white coat investors each year.
  3. Buy as much disability insurance as they are willing to sell you as a resident. Include a future purchase option (sometimes called a “benefit purchase rider” or “future increase option”) and a cost of living disability insurance rider.
  4. As an attending, increase your coverage to cover both your living expenses and retirement savings if you were to work to age 65.
  5. You may get sticker shock, but the reason disability insurance is expensive is that it actually gets used. Slightly more than 1 out of 4 adults will experience a disability before they retire. Physician disability insurance agents often use a figure of 1 out of 7 doctors actually using the disability insurance they purchase. Whatever the true statistic may be, it's certainly high enough to insure against.
Do not take the risk of not having disability insurance.

What Is Disability Insurance?

Disability insurance gives you an income to live on if you become so disabled that you can no longer work.
If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death).

Why Do Physicians Need Disability Insurance?

One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.

How Does Disability Insurance Work?

Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.

Short-Term vs. Long-Term Disability

Disability insurance is most commonly divided into short-term and long-term.

Short-Term Disability

A short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.

Long-Term Disability

A long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.

What Does Disability Insurance Cover?

Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.

The Definition of Disability

The most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.
Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect.

Own-Occupation, Specialty-Specific

Probably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.

Own-Occupation Definition

Under this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.
Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances.

Transitional Own-Occupation

Your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.

Modified Own-Occupation

Your policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”

Any-Occupation

Your policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.
One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition.

Do You Really Need an Own-Occupation, Specialty-Specific Policy?

Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.

Mental Disorders/Substance Abuse

Many policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.
According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment.
You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more.

Presumptive Total Disability

As you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.
Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent.

Cosmetic Surgery/Transplant Surgery

Some policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.

Disability Insurance Exclusions & Limitations

Disability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:
  • War or Act of War (this could probably be interpreted pretty broadly)
  • Active Military Duty (having served, this is pretty stupid since 95%+ of our military folks are never in any kind of serious danger of being hurt by a combatant)
  • Normal Pregnancy (don't want to work because you're eight months pregnant? Don't bother trying to get disability benefits for that)
  • Foreign Travel (varies by policy, but many don't cover you during that European vacation, much less that humanitarian trip to Sudan—read the fine print)
  • Mental/Nervous Disorder (many companies limit benefits to two years, where they might pay for “physical” disorders until you're 65 years old)
  • Medical Exclusions (any medical conditions you have at the time the policy is issued will likely be excluded, meaning if you have heart disease at the time of issuance and it leads to you being disabled five years later, the policy isn't going to pay. Again, apply when you are young and healthy and/or when you haven't had medical problems for several years to minimize this.)

Residual Disability

Residual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.
Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%.
Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met.

Partial Disability vs. Residual Disability

Partial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.

Recovery Benefits

A physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.

Recommendations for Physicians on Disability Insurance Riders

Here's an easy cheat card to help you know at a glance what we think about all of the various riders available.
https://preview.redd.it/akf6t5iqfn0d1.png?width=800&format=png&auto=webp&s=3f8b415d0101d729fdfa51bc9147993309147d75

Who Needs Disability Insurance?

Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.

How Much Physician Disability Insurance Do I Need?

As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.
Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all.

Average Cost of Disability Insurance for Physicians

Unlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.

Graded vs. Level Premiums

One way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.
Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums.

What Disability Insurance Discounts Are Available for Doctors?

Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:
  • Unisex discounts
  • Student/Resident/Fellow discounts
  • Multi-life institution discounts
  • Guaranteed Standard Issue (GSI) institution discounts
  • Association discounts
Learn more about physician disability insurance discounts.

How Do I Buy Disability Insurance?

The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.
For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that.

What Type of Disability Insurance Should I Buy?

There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.

Individual Disability Policy

There are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.

Group Disability Policy

A group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.

How to Compare Disability Insurance Policies

The most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.
Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another.

When to Buy Disability Insurance?

You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.

Best Disability Insurance for Physicians

I keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.
Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have.
submitted by WCInvestor to whitecoatinvestor [link] [comments]


2024.05.15 22:34 DavidKroutArt Test Guide 2

Click In the Temu community, to click on one's link, or to type in their code, is a "click". You might see the reference C4C (Click4Click or Code4Code) which is, unless otherwise stated, the act of using an eligible click for another eligible click.
Eligible Click - Resets at 12:00 AM PST First click of the day, per game. For most games, you get one eligible click per day, per device, which resets at 12:00 AM PST. Free Coffee and Temu Tree have a different limit.
Ineligible Click - Every click after the first, per game. If you have already clicked one someone's game link and accepted that day, your next click for that same game is no longer eligible. So while you can receive more than one eligible click per day, you can only give out one. If you trade your second click, which is ineligible, for someone else's first click, which is eligible, you are considered to be scamming them. It is an unequal trade.
New User
New App
Eligible clicks are used to help further games:
Ineligible clicks can help games like Fish Land, Farm Land, Hat Trick, and Free Gifts, but when people are trading they are not usually looking for ineligible clicks unless stated.
Ineligible clicks are used to help further games:
New User Click
submitted by DavidKroutArt to greekmythologyproject [link] [comments]


2024.05.15 22:32 mamspaghetti [Theory] The inability to bend platinum can be fixed by sufficient scientific and spiritual advancements within the ATLA universe

A friend of mine just finished ATLA and LoK and wondered why exactly platinum of all things could not be bent to the shape and will of an Earthbender. After bouncing around ideas, this is what we came up with:
Though Toph herself said that Platinum cannot be bent due to lack of earth particulates, it is curious to note that for some reason, the mercury-like metallic poison that Korra ingested could be bent out of her body. If it were the case that metals can only be bent because they contort the earth particulates embedded within it, then realistically they would only be able to rip out the earth particulates within the ore. The fact that Toph was able to bend out that metallic poison using the super-fine earth sediments that mixed with the toxin and stayed within Korra's body indicates two possibilities:
1) That the prerequisite to metal bending being the ability to sense earth within the metal is untrue
or
2) That earth particulates are needed, but the ability to sense them all requires leaps and advances in material sciences and earth bending spirituality that just haven't happened yet even during Korra's time
It's more likely that option 2 is the answer, as subtle hints dropped throughout the expanded ATLA universe point towards the idea that the more spiritual an earth bender is, the stronger they can sense the earth's spiritual energy around them and the smaller the particulates they can manipulate.
This is backed by two pieces of evidence
  1. First, only Toph was able to sense and help flush out the remaining earth particulates that were mixed with the poison that Zaheer poisoned Korra with. These earth particulates were so small that no one was able to sense them: Not her direct descendents, not Korra, and surprisingly not even Katara. And out of all the people in the world, Katara would be the only other person who would have a shot at detecting it, as she is the waterbending master by Korra's time, and she out of anyone would be able to detect the trace toxins via the earth and metal particulates obstructing blood flow. The fact that Katara couldn't means that while all 4 bendable elements are just different applications of spirit bending, sensing microscopic earth particulates is something only an expert Earth bender can do, and that no other elemental bender can match an earth bender in this regard. So how did Toph get so good at earth bending? By learning it through instinct by observing and interacting with the Badger moles. Because badger moles are animals, they don't understand human language nor do they care about a human's want to learn earthbending from them. So when Toph started out her early days as an earthbender, she had to have relied heavily on instinct in order to understand not only what the badger moles are doing, but also to sense the flow of spiritual energy coursing through the very soil she feels. Due to her background, Toph is one of the few earthbenders within the "modern" era whose bending style is the most similar to that used by ancient Earthbenders, and is thus one of the most spiritual earth benders we know of in the modern era. To conclude, Toph's uniquely spiritual bending style gave her a near unprecedented edge in sensing earth particulate on a scale that few earthbenders across the expanded universe can replicate.
  2. In agreement with point 1, the well-known quote that Lao Ge told Kiyoshi in her youth goes like this:
"Divide your body in two, then divide it again, and then again, and again. Put the pieces back, and put them back again, and again, and again one more time, and you're whole once more.” - Tieguai The Immortal
The philosophy behind this is that Tieguai claims that ageing is the product of the body deteriorating on the smallest, most invisible level. And this quote was given for how one can prevent this very deterioration. In context of the first piece of evidence, this means that Tieguai, hundreds of years before Korra, essentially discovered that earth benders can achieve immortality by manipulating the very earth grains within them to bend their bodies to a pre-established state/age. And him referring to ageing as "invisible deterioration" may have less to do with the fact that his method of immortality has less to do with energy bending, but that it is manipulating the finest, microscopic pieces of silt and dirt trapped within the human body to control one's very biology.
In combination with the top two quotes, this means that the more spiritual an earth bender, the finer and more precise their bending can become. Correlating this finer control with human ingenuity, new earth bending techniques can originate by combining knowledge of the natural world with a heightened sense of spirituality. This would be how things like crystal bending, paint bending (via Yun), sand/dust bending (via the sand nomads and the earth bending masters in Kiyoshi's time), and even metal bending originated.

So how does this justify why Platinum is impossible to bend?

To our current understanding, metallurgy is an art that remained stagnant for hundreds of years before Fire Nation triggered a global era of industrialization that saw an explosion of metallurgy techniques and applications. Prior to the fire nation invasion, metal was a fare rarer material to come across, and its unique difficulty to manipulate would've discouraged prior earthbenders from experimental with metal further than "manipulating the dust around a piece of iron ore" rather than manipulating the earth embedded within the iron. Only when iron became far more common place was Toph's ability to bend metals a far more useful skill to have.
Given this historical context, its far more likely that Platinum bending never became a thing because the material sciences in the ATLA universe havent advanced far enough by LoK for them to have discovered and used advanced metallurgy techniques of today. And because sufficient advancements in the physical understanding of metals have not happened, there just wasn't a right moment, at least during Toph's life, where scientists and spiritualists got together to brainstorm new ways to bend Platinum.
And even if Toph was able to sense the earth particulates trapped within platinum, another reason why she wrote off as impossible may be due to three reasons:
  1. First, that as a member of the Avatar's entourage, she become incredibly busy, as her time and energy became increasingly diverted by her metal bending academy, her parental duties, her political duties as chief of police, and fighting criminals. This would give few opportunities in her adult life as a more proficient earth bender to really sit down and crack the code. But second, even if she did, she might not have worked out how to manipulate the metal without a proper understanding of how the earth particulates interact with the lattice structure of the metal.
  2. LoK makes it clear that the industrial revolution has occured in the avatar universe, but what isn't cleaexpanded upon is how metal benders interact with alloys such as Brass or Bronze. Prior to advance late in the industrial revolution in our world, Platinum alloys were much harder to work with due to the innability to separate natural platinum ore into continuent metals like Rhodium, Palladium, Iridium, Osmium, as well as other nonmetallic impurities such as Phosphorous, Silica, and Sulfur deposits. Only until more did more modern electrochemical techniques such as the Wohwill process and electric arc furnaces increase the purity of platinum ores significantly. As LoK seems to be set in something roughly like the late 1800s early 1900s, analogous techniques like the electric arc furnaces may not have been invented. So maybe another difficulty of bending platinum is that the platinum used involves alloys from too many metals
  3. Alternatively, it could be that the prevalence of electricity benders have naturally accelerated the development of making pure platinum ore. In that case, the higher purity of Platinum ore may result in fewer earth particulates in the metal to manipulate the ore
    1. As a subpoint, Platinum on average has a greater density, melting point, and malleability than Iron, indicating that its crystalline lattice is more robust and sturdier than that found in iron. If the principle behind metal bending is to force the comparatively few earthen particulates within the ore to distort the metallic lattice that iron atoms are trapped in, thena combination of fewer earthen particles, plus a more robust lattice within the platinum ore, may have been the main culprits that prevented platinum to be bent
      1. So, to bend platinum, one would need spiritual advances to somehow make use of fewer earthen particulates in a platinum ore to distort a much more structurally robust ore to move according to a bender's well. And its also more likely that neither issue was fully investgated by a team of sages and scientists throughout Aang's lifetime.
And even if Toph spent the rest of her life delving into how to tackle the Platinum issue, the lack of easily identifiable platinum, and her general lax attitude post-retirement, would probably have discouraged her from trying out new techniques
In conclusion, the lack of adequate scientific advancements, and the lack of sufficiently spiritual metal bending sages, would have prevented the potential for platinum bending from expanding during Toph's time

What this means for the future of Avatar

With the increased globalization, and the paradoxical increase in spiritual energies within the world following LoK, an explosion of scientific and spiritual advancement would synergized and rigorously developed a wide assortment of techniques that would've otherwise been considered one-off, generational talents in prior eras. And probably crucial to the physical/spiritual advancements in earth bending would be to temporarily infuse metal ores with earth particulates, or to come up with entirely new ways to amplify one's will through the comparatively scarce amounts of earthen particulates to distort multiple types of metallic ore beyond just metal.
As current thought is that the next earth avatar would live in a world either 30-40 or even 100 years after Korra's time, there would have been ample time for the world to have come up with a ton of nuanced applications of metal bending beyond what we've seen in Korra's time
Some examples include
1) Manipulation of all types of ores. This would include Platinum, but maybe other types of rarer metals
2) Magnetism bending: By bending metals into their own bodies, an earth bender may be able to generate ferromagnetism by will
3) Oxygen doping: By manipulating the trace metals in the body or absorbing metals in the body. Earth benders can artificially increase the amount of heme within their bodies, thus taking up larger amounts of metal.
4) Bone Bending: By manipulating the flow of earthen particulates and metals within the body, one can induce bone formation, potentially allowing earth benders to be able to be like wolverine and bend bone extensions straight from their body. Or maybe, they can just excrete bone deposits from their bodies and form tools made out of their own bone by will.
submitted by mamspaghetti to ATLA [link] [comments]


2024.05.15 22:30 Ben_Elohim_2020 The Nature of Family [Chapter 17]

Credit to Blue for the wonderful cover art of Trilvri
Thank you to:
u/SpacePaladin15 for creating the Nature of Predators universe.
u/EdibleGojid, author of Dark Cuts, for proofreading.
EmClear, aspiring author, for proofreading
You, the reader, for your support. I love reading your comments.
Please consider reading the works of my proofreaders as they’re all authors of excellent stories and be sure to check the links below for more of my work and beautiful art from members of the community.
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Memory transcription subject: Sawvek, Junior Extermination Officer
Date [standardised human time]: October 5th, 2136
Hard foam presses uncomfortably up against delicate pressure points situated across the length of my entire body, building up to an unbearable ache that makes me shift and turn against the thin mattress pad. I yank at the rough old blanket I’d taken out of storage and clutch it even tighter around my body, trying to keep out the chill. The best racks, the ones near the heating vents, had already been claimed long before I’d decided to move into the Guild House’s Barracks and it doesn’t seem likely that the current occupants will be giving up their spots any time soon.
My mind is still racing from the events of last paw, replaying the scene over and over again in my dreams and in my head. The way my brother had looked at me… That look on his face when he’d seen the real me…
My paw gives a sympathetic throb in memory, still aching from where it had met the wall, but at least I had been able to wrap it up a bit and stop the bleeding. I feel like I should take it as a small miracle that it isn't broken. More medical bills are the last thing I need right now.
I turn about in the bunk once more, rolling around in vain to try and find a comfortable position that doesn’t seem to exist. Through a conscious act of will I try to empty my mind and sleep, but the very act of trying not to think about things only brings them bubbling back up to the surface of my thoughts. My heartbeat echoes in my ears, a damnable drumming sound brought about by the exertion of my own restless tossing and turning. Out in the hallway I can hear the muffled shuffling of feet and murmurs of conversation. The Guild Hall never sleeps, and it seems that neither would I this paw.
Electing to abandon the attempt as hopeless, I cut my rest claw short and get up, venturing out into the hallway. If I can’t sleep anyway then I might as well start my waking claw early, maybe get in a little exercise. It’s not so bad when it’s self-directed, almost fun in a way. If our family had the money to support it then maybe I could have been an athlete of some variety growing up. I had always possessed something of a natural physicality.
“Stop wasting time with worthless questions about what could have been, Killer.” The voice interjects, early and active today by the sound of it. “You’ll never amount to anything more than a wild predator kept on a leash.”
There’s nothing to do but sigh and carry on. It was right after all. This is it. This is my life now.
Making my way down the hallway towards the gym I find myself walking past a row of private offices assigned to some of the more veteran officers on staff. Most are empty at this claw, their occupants either asleep or off doing other work. One room in particular catches my attention though, the one belonging to our newest PRED Team Commander.
The door leading inside is open and ajar, seemingly forgotten in the midst of more pressing business and granting me a look inside. The entire room is a mess, papers and binders strewn about everywhere with official looking documents littering the floor. A map of the city decorates the otherwise unadorned and impersonal space. On its face it hosts a variety of multicoloured pins, all connecting seemingly arbitrary locations as well as photographs of people and places from the records department. The face of the former PRED Team Commander, Vrienna, looks out at me once again with the same cruel eyes that decorate the memorial wall. Beside her photo are another pair of eyes, a pair I recognise, but not one I would have expected to see here.
Trilvri, my brother’s creepy coworker, the one who’d brought him home the night he’d drunk himself into a stupor, stares out at me from the wall. He was younger in this photo, barely of age, if even that, and dressed in a regulation space corps flight suit, but I could still recognise him. Trilvri’s eyes appear somehow more lively than when I had met him in person, though it does nothing to improve his overall disposition, looking, as they are, as if behind them resides only hatred and a feral desire to kill and rend. Come to think of it, he had mentioned he used to be in the corps hadn’t he? ‘Used to’ being the operative word. When I’d asked he hadn’t seemed particularly fond of his time in the service…
Situated as he is next to Vrienna like that, their pitch-black wool and evil-looking eyes bear a striking resemblance. It was the exact same sort of predatory expression that bore into your soul, the kind that made me feel weak and exposed, the same kind that was worn by-
“What do you think you’re doing in my office?” A voice asks from behind, nonplussed, but with a casual depth of power and authority behind it that makes me freeze on the spot.
“Commander Glagrig, Sir!” I turn about on the spot, fixed at attention in the doorway as I stare up at the man himself. “I’m sorry to intrude. I noticed someone had forgotten to close the door so I was just going to secure it.”
“I see.” Glagrig doesn’t seem to believe a word of it, but neither does he seem inclined to press the issue. “At ease. Tell me, do you recognise the man in the photo there? Have you ever seen him before?”
“No, Commander.” I lie reflexively as I shift to a parade rest, not fully knowing why, but knowing that whatever is going on I want no part of it, for me or my brother. It’s only after the fact that it occurs to me that lying might be worse than telling the truth.
“How… regrettable.” The prestige officer says plainly and I can’t tell whether he believes me or not. “If you do ever catch sight of this individual, then be sure to let me know immediately.”
“Y-Yes, Commander.” I subconsciously swallow with apprehension, hoping that he doesn’t notice. I want nothing more than to run away as quickly as I can, but I haven’t been dismissed yet.
“Junior Officer Sawvek, was it?” Glagrig carries on, looking me up and down, dissecting me with his eyes. “You have quite the interesting record on file and Officer Intalran is quite adamant about your potential. Your simulator results speak for themselves, even if they are just simulations.”
“Thank you, Commander.” I can feel myself growing dizzy as I answer with uncertainty.
“Don’t thank me,” the all-consuming void in front of me replies with no hint of warmth, “just remember that your performance is under evaluation. It’s in my interests to keep note of promising young aspirants who might someday join my team, and I would hate to see you squander your talents.”
“I-I understand, Commander.” I flick my tail in agreement, straining not to look away towards the floor.
“Dismissed.” Glagrig brushes past me as he enters his office, moving to shut the door behind himself.
“Um, Commander?” I ask just before the door shuts, feeling a beckoning call of curiosity that even the predatory prestige exterminator couldn’t crush. “If you don’t mind me asking… Why do you have all that stuff up on the wall there?”
The door opens again, just a crack, and I can feel my superiors' weighty presence bearing down on me, almost suffocating in its intensity. “It’s simply a personal matter. I have reason to believe that the prior investigation regarding the kelach incident was conducted according to… insufficient standards. The predator responsible was never found and I intend to remedy that deficiency.”
“How hard could it be to find a kelach?” I tilt my ears in confusion. “They're huge!”
“Despite initial reports,” he answers with an ominous, cold tone that sends a chill up my spine, “it may be possible that we're dealing with something far more dangerous than just a kelach.”
“T-Thank you, Commander.” I flick my tail in appreciation and the door closes.
I breathe a sigh of relief as the malevolent aura recedes. That was too close.
“And you’re a complete moron going back to ask him more questions afterwards, Killer.” The voice rises with amusement. “What? Do you want him to figure you out and turn you to cinders? Only a matter of time, Killer.”
“Ugh, shut up.” I mutter under my breath, quickly turning back around to make sure Commander Glagrig didn’t hear me, but when no reprisal comes I quickly depart. If I’m gonna be stupid I should at least try not to do so right in front of his office.
As the imminent threat of our in-house prestige exterminator dwindles so too does the energy driven by the adrenaline of the encounter. It figures that the moment I roll out of bed I want to take a nap again, but I know the moment I lie back down I’ll be back to full wakefulness in an instant. That’s just how that sort of thing works. With that in mind there’s really only one solution, a big, steaming hot cup of tea.
Making my way towards the tea machine I spot Jonsco, the feisty little primitive that mans our dispatch centre, smacking the top of the dispenser with a clenched paw while holding a mug underneath it.
“Is the tea machine fixed?” I ask as I pull out a mug from the cabinet myself.
Jonsco sighs heavily and shoots me a combative glare. “For the last time it’s not my brahking job to fix this damn tea machine! You got a problem with that then you can go pester someone else about it!”
I shrink back under the harsh rebuke. Jonsco may be small, but there was as much rage and fury condensed into that little package as anyone else in this department. Maybe more.
“I… I didn’t mean to imply…I just wanted to know if it was working again or not… Sorry.” I sputter out, feeling properly admonished as I look away towards the ground.
Jonsco looks at me quizzically, his hard glare softening somewhat as he seems to truly see me for the first time before returning to his usual scowl.
“Right…Whatever you say…” With one final smack the machine coughs and chokes, sputtering to life with a struggle, and a small trickle of freshly brewed tea begins to fill Jonsco’s cup. “The machine is on the fritz again as usual, but if you hit it just right, do a little percussive maintenance, then you can get it started again.”
“Thanks, Jonsco.” I lean back against the wall and watch as the mug slowly fills, impressed by the primitives know-how. “That's actually pretty smart of you.”
“For a ‘primitive’ right?” The words are barbed and spiteful, but lack his typical enthusiasm, more of a simple statement of fact than a real question. I couldn't exactly deny it, those had been my thoughts, and so the silence drags on awkwardly, marked only by the splash of tea falling into the steadily rising pool.
“What are you doing here at this claw anyway?” I eventually ask, dodging the question entirely. “We’ve still got at least another half-claw until our crew's shift is supposed to start.”
“I could ask you the same thing, you know?” The angry little dispatch operator retorts. “I'm here early working an overtime shift so I can afford to put food on my family's table. It's expensive feeding that many mouths. What's your excuse?”
“I had a fight with my brother…” I rub the back of my neck as I turn away abashedly, “moved out of the apartment and into the barracks full time… couldn't sleep…”
“Well then you should hurry up and work on patching things up with him.” Jonsco looks at me with an uncharacteristic hint of sympathy in his eyes. “Your family are the only ones who might actually care. This Gods-damned place is a slyther’s nest and no one here gives a speh about you or your problems. If you want my advice, you should do your best to spend as little time in this cesspool as possible.”
With his cup now full, Jobsco steps back from the machine and begins walking out towards the main hall.
“Thanks, Jonsco.” My words stop him in his tracks as he walks away from me. “I appreciate it.”
“... You're welcome.” He says after a short pause, glancing back to look at me one more time before leaving. “See you around, Sawvek.”
Taking advantage of the tea machine while it’s still mostly working, I fill up my own cup and drink deeply of the warm, fragrant beverage. The taste is bitter and unpleasant, just about the quality I would expect of this Guild Hall, but even at the first taste it’s evident that it’s been loaded with an extra strength dose of caffeine. I down the drink quickly and rinse out the cup before continuing on my journey towards the training hall. Fatigue begins to fall away as I walk, bit by bit as the drug makes its way into my bloodstream, blocking off sleep receptors and energising me. I know I’ll probably pay for it later, no amount of caffeine can actually replace sleep, but for now it feels good and I can see how some people can get addicted to the stuff.
A loud, metallic clanging emanates from the gym as I approach, something unexpected for this time of paw. No one's reserved space in the gym for this claw and not many people are industrious enough to sweat on their own initiative. Peeking my head inside the door I spy Bikim, the perfect, privileged, ‘holier than thou’ brahkass occupying the otherwise empty weight room. His irritatingly handsome face is taut with strain as he performs a series of weighted squats, his back and leg muscles straining underneath his short-cropped wool, and he pants heavily under the exertion.
I’m half tempted just to leave and go back to bed despite the fact that there’s no way I’d be getting any sleep with the tea running through my system. It’s too early in the paw to deal with Bikim’s speh. Before I can slip away unnoticed though, he spots me. I give a heavy sigh and continue my way inside. There's nothing to be done for it now. Trying to back out now would only make things worse later, a sign of weakness.
“What… Do you want… Predator?” Bikim asks between gulps of air as he reracks his weights, practically hanging off the bar to support himself on shaky legs.
“Good paw to you too, Bikim.” I say, forcing civility into my tone. “I’m here to use the equipment. Same as you. I'm allowed.”
“Whatever…” He eyes me with suspicion. “Just keep your distance… I don't want to catch any of your taint.”
“Believe me,” I flick my tail out in irritation, “I intend to.”
Looking around the room for available spots, I march my way over towards a cable machine on the opposite side of the room. Not nearly as far from Bikim as I would like, but the farthest I can get without leaving the weight area entirely. Bikim watches me all the while as I seat myself down and begin adjusting the machine. Eventually he grows tired of watching me fumble around with the machine and returns to his own exercises with a displeased flick of the tail, quite obviously judging me for my lack of experience with the equipment.
A tense sort of quiet settles over the room as we each go about our business, trying our best to ignore one another. Bikim slowly winds his way around the room, cycling from station to station to exercise all the different parts of his body in sequence before repeating it all again. He seems to bypass my corner of the room, glancing over at me with each repetition of his pattern. For myself, I stay put where I am, taking advantage of the varied exercises offered by the versatile machine to experiment with different muscle groups. Occasionally I slip up, dropping the weights with a loud clang that always draws Bikim’s ire. Every time he seems just a bit more disgruntled, a bit less patient. Eventually, the constant disruption reaches a tipping point and the pompous, self-entitled jerk walks over to confront me.
“Do you always do this?” He asks rhetorically. “If you keep slamming the weights like that you're gonna break it. Your form is speh so either fix it or lower the weight so you don't have to keep compensating. Better yet, just leave. You’ve been monopolising the cable machine for almost half a claw now. I don't know why you're even here in the first place.”
“Oh, look at Mr. Know-it-all thinking he can just go around telling us what to do, eh Killer?” The voice rises to the challenge. “Where does a guy like that who's been handed everything his whole life think he can get off with telling us how we should be doing anything?”
“Brahk off Bikim!” I don't even try to reign in the predator inside, feeling justified in letting it roam free for once. “I didn't ask for your advice and you don't get to kick me out of the weight room just because you can't wait your turn! I'm here because I don't have anywhere else to go! Ever since Intalran dragged me into this stupid Guild this brahking job has taken over my entire life! I don't even have a home to go back to anymore!”
Bikim's body tenses at my tirade and his tail flicks out aggressively like a whip.
“That's your own damn fault, predator!” He shouts back, eager for the excuse to vent his own frustrations. “Maybe if you weren't just some blood-starved beast out roaming the streets then you wouldn't be here right now! I’ve read your file! You got a history of herdless behaviour and physical altercations! Someone should have institutionalised you a long time ago, but someone took pity on you and let you slip through the cracks because of your poor dying mommy! They should have known it would come back to bite them! A normal, functional member of the herd wouldn't even think to pick a flamer up off the ground and burn another person to death with it! But you? You did it instinctively! You revelled in it!”
“You think that was easy for me!” I get up and walk towards him as I yell incredulously. “You think I asked for that to happen! You think it was fun for me to get choked out and almost eaten! That thing I burned wasn't even a person anymore! It was a predator in the middle of a feeding frenzy! So yeah, I did what I did, and you know what? It's a good thing I did! If I wasn't a freak of nature then that thing would have kept on going and kept on killing! Last I checked, preventing that sorta thing was supposed to be your job, but I had to be the one to step up! Now I have to live with the consequences of my actions every paw, knowing that I’m a Protector-damned killer that doesn't belong anywhere! Maybe you, in your infinite wisdom, would've known the perfect thing to do in that situation, but I’m not you! I’ve had to work and struggle for every little thing I have! Not just had it handed to me on a silver platter!”
“Oh, so you got me all figured out do you?” Sarcasm drips from Bikim's mouth as he looks down on me. “You don't know me. You don't know my life or what I’ve been through, how hard I’ve worked to get where I am. You just see the end product from cycles of effort and assume that it's always been that way, that it's always been that easy. It hasn't.”
“Yes, I’m sure you had it so hard growing up Bikim.” Saying it aloud almost makes me laugh. “You’re such a child of privilege that it drips off of you with every move you make and every word you say. I hate people like you, thinking that you're better than everyone else just because you were lucky enough to be born into wealth and status. Try living like the other side for a change, scrounging for every credit just so you can afford to eat, and then try to tell me how hard you had it with a full belly and a warm home!”
“You’re right, predator,” Bikim says contemptuously, “I am a child of privilege. My family has a long and decorated military tradition, my father is a captain for the space corps, a brahking hero, and I’ve reaped the benefits of that. That privilege came at a cost though, and that’s called expectations. Second best is not good enough and I've had to put in ten times the effort as anyone else my whole life just to meet standards! At least you grew up with a father who was there for you and loved you without the condition that everything you do is perfect!”
“All that talk about reading my file and you didn't even get past the first page did you?” I snap at him with a snarl. “ I didn't grow up with a father at all! He's been dead since I was in elementary school! Killed in action! I barely even remember him anymore!”
That one seems to give Bikim pause, but I’m not done yet.
“If you and your whole family are such a bunch of brahking heroes then how come you're here, working as a common garrison exterminator in a run-down backwater city like this?” I taunt. “Shouldn't you be out gallantly fighting the Arxur with one of the fleets or on a colony pacification force rather than making my life here harder than it already is?”
“That's the price for failing to meet expectations,” Bikim quiets down, drawing away from the world and into himself, “the price for knocking up a beautiful, wonderful girl right after graduation and refusing to get rid of it afterwards. You get cut off. You lose that privilege, and you do whatever you have to in order to provide and try to be a good role model for your son.”
Now that one threw me for a loop. In the short time I’ve known Bikim I’ve had a lot of thoughts about him, few of them good, but never would I have expected him to be the type to take responsibility… For anything. Still, there is one thing about his story that doesn't line up…
“Oh really?” I take a step back as I watch for his reaction closely. “I seem to recall Jonsco mentioned just the other day that your wife had left you for a Human.”
“Don't you bring that brahking primitive into this!” Bikim's anger flares in an instant before returning to a subtle simmer of regret. “We’ve just been having a… a rough patch in our relationship. I’m not giving up on us. I’ll win her back. She's just… confused and being taken advantage of! It's all that damn predators fault!” Bikim sighs and sits down on a nearby bench. “You're not the only one whose had something taken from them because of this job. You're not the only one without a home to go back to.”
Looking at Bikim now, a sad, pathetic man moping on the bench with nothing better to do on his rest claw than to try to externalise his inner pain… I find it hard to stay angry at him. He's still a narcissistic brahk ass and a complete jerk, but it's hard to truly hate someone when you actually know them. I had made quite a few assumptions about him when we first met, and he certainly hadn't helped my impression of him since, but… perhaps I was wrong to judge him so harshly?
“Nah,” the voice chortles, “he’s a piece of speh that got what he brahking deserves for being an insufferable prick.”
Overhead the intercom crackles to life and I can hear Jonsco's voice reverberating over the airwaves.
“Officers Vaesh and Sawvek please report to the briefing area for assignment. Repeat. Officers Vaesh and Sawvek please report to the briefing area for assignment.”
“Sounds like it's time for your first field assignment, Kid.” Bikim says, staring up at the intercom. “At least it gets you out of my wool. Try not to brahk it up and make the rest of us look bad.”
“Hmph.” I turn to leave, muttering to myself. “Stupid brahkass.”
—----------------------------------------------------------------------------------------------------------------------------------
A/N - Hello! Sorry this one took a while. Like I mentioned before I got delayed working on my Ficnapping chapter as well as a crossover One-shot that's still in progress (but hopefully will be done soon). In other news we have new art of Sawvek's life-changing encounter in the Builder's Lane Bloodbath as drawn by Miglove and you can still find that and everything else Nature of Family in the new Master Post linked up above.
If you like the story then please remember to upvote, comment, and use the “!Subscribeme” function to be alerted to all new posts. I post as often as I can but real life has a tendency of getting in the way and my job makes it almost impossible to keep to any kind of schedule. Your engagement and support go a long way towards helping to keep me on track and motivated, so thank you very much for reading and I hope you'll stay tuned for next chapter!
submitted by Ben_Elohim_2020 to NatureofPredators [link] [comments]


2024.05.15 22:30 JonesE993 How to get into a career of Coding/Software Dev/iOS Dev

Hey, everyone! I am looking into wanting to make a career in the coding / Software Development field. To start I have less than a year of exp. in C++ and Python. I know the basics of both. Is there anyone that can help me or even point me in the right direction to get myself walking in the right direction or place to look. As I am very passionate about learning more and more about Javascript, Python, Swift for iOS, etc. I'm just having a hard time finding where to start and what can I do to make this time/free time I have to dedicate efficiently towards achieving my goal as making it into a career in this field.
submitted by JonesE993 to u/JonesE993 [link] [comments]


2024.05.15 22:28 EccentricSage81 nanotech hydrophobic cleaning!

The lotus leaf is listed as the greatest cleaning agent known to mankind in wikis and was the religious symbol of countless religions. when dirt is wet and becomes sticky mud it dries caked on and stuck and traps or allows for other air or splashes or spills to sort of stick. nanotech is so much smaller its like a big warehouse of crates having dust settle between them and by wiping and buffing and polishing around you remove some of the dirt hopefully most of it and get it underneath it will go right through and under about anything, got a tarpaulin or umm curtains over the window spray the curtains and unseen fine nanotech SHINES the window beautiful perfect coatings. the thin film is like nonstick frypan stuff but not the teflon stuff its safe diamonds arent teflon so the moisture and dirt wont stick as much and easily clean off or sorta slide down? nanotech like INKS and alcohol dyes (food coloring) or other paint pigment powders and !SOME! clearcoat polishes over a certain hardness rating which are safe for homes as under sapphire 9H or 10H it might be some sort of waste product cheap being sold as something like SCOTCH GUARD which may or may not have those long lasting microplastics which could be tiny serrated or jagged. If something is 9H or 10H diamond or sapphire hardness the few enamels or epoxys that bond that strong are small enough and dense that their structure is so tiny it slips through and under inside things and can reinforce them but doesnt damage round cells in organisms. the same way glass cleaner must be diluted and used everywhere as glass is porous and prehistoric volcanic obsidian glass walking spiders can walk up glass with special microhooks in their feet for the holes in glass look a bit like a golf ball dimples everywhere with tiny hole looks like hair lines through it like imagine those office ceiling panels with the holes in white particle board. So glass cleaner cleans out the gunk or else your windows will have a brownness you struggle to clean out of the glass without a deep penetrating cleaning agent that comes out looking a bit like brown river water thats discolored from the porous rocks in the water having umm tiny microorganisms yep rivers of brown. So a tiny drop of glass cleaner or a couple drops in a spray bottle or a bucket of water and maybe some one or two drops hydrophobic glass coating or quickpaint coat and a tiny drop or two or a single spray of PLASTIC AND LEATHER RESTORER
with these drops of stuff in water in a spray bottle or bucket you maybe wanna find something with a high % percentage of surfactants on the back of the detergent/soap bottle to wipe out germs and uhh its the cleaning component in all bubbling detergents the sort of science and cleaning and germ killing powers of it. Some floor cleaners made for timber floors that might be a little streaky and say like a polish or cure or something that maybe gives timber a little bit of a darker look when used regularly and appears subtly more expensive looking like hardwood but isnt carbonizing its a type of cellular structure bonding that reinforces not prehistoric torture the wood into looking blowtorched carbon stuff chemicals its a cleaning product disenfectant that protects and polishes but it needs some sprays of water then a spray or a few drops then buff it in and then dust mop it dry as its got some mild ANTISTATIC which helps lift up dust.. i found one that cleans like magic at my asian supermarkets but im not recommending specific brands over the other its the science of cleaning. then maybe put in a couple drops or up to a teaspoon of 10H hardness and like spray your laundry on the line or your carpet or whatever.. i do everything.. some products not 9H or greater will use some unsafe superglues which ignite cotton fabrics into flames or other things.. now house construction products like liquid nails brown glue for holding timber together might have a clear version called liquid glass that might be for window glazing or whatever i hadnt checked if its safe to use on fabrics and other surfaces the POINT of it is the NAME might say liquid glass but its maybe not silicon dioxide that the florist uses to keep their plants fresh for 2 weeks longer liquid glass as in THAT liquid glass like on your phones nanotech liquid screen protector you apply several coats of one each day then reapply every 8 months the cheap stuff.. some of the auto ones for cars can last 9 or 10 years. i found lots of bargain store looking products of sites like aliexpress or maybe amazon with brands like glassxkare or fantastic XML and adams polishes for tiny vials of 50ml or less of 10H hardness affordable or fantastic XML for like a big 500ML 9H hardness spray bottle that when sprayed into a spray bottle of water and glass cleaner and a drop of hydrophobic coating and plastic and leather restorer and a tiny drop of timber floor polish cleaner that may or may not make it a tiny bit streaky or splotchy the hydrophobic coatings may also be too hydrophobic you can tell if your spray bottle wont suck up water because the water cant enter the tube but if you spray a couple spray bottles of such tiny drops the nozzle will clog and not spray anymore.. nanocoatings can be tricky i dunno what to do. if its scratch protect films make it streaky and require buffing power tools and youre not loud big tools like me maybe aim it at carpets and couches rather than windows and do those without the floor polish. I've found no sort of uhh possible forseeable reasons for any health issues and my stuff looks and FEELS amazingly better, i think bathroom toilets or tiles or shower and tap fixtures or.. walls and floors and furniture and clothes.. i think id only not try spraying my drinking cups and cutlery but i honestly think i might need to drink the stuff its THAT GOOD. my cats LOVE IT! its kinda scary awesome.. i tried brands of plastic and leather restorer and quick paint coat and hydrophobic glass coating from HGKJ black and green labels. I couldnt tell you how safe it is, i just struggled as im a disability pensioner and saw our really old house falling apart and this damn near reversed a few decades off it and brand new snow clothing and jackets and throw rugs i bought felt BETTER THAN NEW i mean ridiculously better than new. ancient poisons used to clean HALF as good and were feared for being too good and too cheap. But diamonds and liquid diamond are naturally occuring hot springs reactions and the reason monkeys stay in there. its literally pretty much good for all life.
(plastic and leather restorer see leather deep conditioner but better and sorta similar to glass cleaner but a sort of UV protect oil and reinforce that adds the rich deep black color back to PU leathers and those vinyl anime girl figures yellowing from the sunlight and UV will becomes their original selves again or old yellowy car headlight covers get fixed up but so do most paints and timbers and other things. but you wanna seal it in with a nano coating when cleaning it out plastic and leather restorer is used in plastic manufacture and when you peel those clear plastic film stickers off shiny new products they help prevent its slow gradual evapouration and why they look so nice and black and arent just to prevent scratches. several days later plastic and leather restorers super shiny rich deep 'wet hair look for your black pleather chair' will seem to have worn off but its UV protect and other things will still be there and some polishes waxes or coatings can help keep it and its colors and UV protect there a bit longer well the look the restorer itself keeps it like how it was quite a while years? till it goes yellowy or faded again.)
So when we look at the water beading on lotus/lily pad leaves and things, ancient people used saps and old polishes and obsidian blades arrowheads since dinosaurs era. which with 200 times sharper than steel knives carbon nanotech its super dangerous deadly and was mostly all used up and we swapped it all out for modern glasses and glazing and safety glass so we dont slice our selves into piles of body parts on invisible pieces. Since the days of ink and whetstone nanotech advanced impossibly high particularly in volcanic hot springs countrys with samurai swords and caligraphy brush ink. Trying to find the scientifically safest and best possible cleaning products super affordably that might be useful for washing clothes, cars, metals plastics and other things.. are strangely not at the home hardware stores.. you see synthetic diamonds been on the gem market for centuries but too expensive to produce till modern different approaches with lasers and different gas precipitation with super high electricity concentrated over weeks or months or special electrolosys solutions will slowly layer and create diamonds but the diamond solution precipitated that grouped to each other or doesnt perfectly slot into the sort of tetris like bonds of the outer layers of the diamond a bit like diamond growth needs spaghetti O's and we're raining alphabet soup at it till with a bout 30% of the letters having a good chance of sticking. every few hours the solution of sublimation precipitate is swapped out creating a couple oven trays of 'liquid diamond solution' 10H hardness brightness and shines up glass with a thin film of diamond giving it moisture modest water resist we can use graphene to increase water resist and 10H+ hardness and apply hydrophobic coatings.. So who makes lots of these liquid finishes and what are they used for? Most are produced by a car race track owner who insists they protect their cars before taking them out onto the track or a speck of dirt or sand might scratch up the paint. But if i wanted to like power pressure washer spray it up onto my roof tiles and thin out some of that lichen and make them more uhh watertight leaks arent a concern but it might prevent a terrible future. anybody know why its not already a thing and there isnt countless guides on the ideal ratios and stuff? i mean its about as expensive as laundry detergent concentrate and used to be in most of those still is in some developed countries.. its what makes american movie sets look so umm bright and shiny and polished and awesome and makes mansions look like mansions or wealthy look and feel and its where LUXURY COMES FROM. is my cheap poor persons attempt at cleaning my own home not good? even if its mildly bad i think i'd use it forever. ESPECIALLY on things like 100% bamboo bed sheets i bought cheap ones from an australian online retailer and a few coatings of sprays and they felt and looked so dang shiny and awesome. Some bottles of the stuff claim 6 drops coats the car but remember many are diluted or not full strength or dont last long as advertised or a big bottle 500ML might be 3months to a year.. rather than tiny medicine bottle 50ml or 30ml sized 3-5 years most i guess, you need to keep applying a coat very often but having it not be streaky or buffing it in is tough so i maybe shaved years off its coating and thinned it out and just apply a bunch of coats as often product claims 9H its only a tiny % the whole spray bottle and needs many many applications to approach that but it is POSSIBLE theoretically. remember all glass cleaner is blue colored so when you dilute it with water you shouldnt have it fully color the water too much or its TOO STRONG. 80s people cleaned 80s glazing which maybe radium or lead tincture as radiation blocking films were often lead or radiation lined literally as a radiation shield was a.. film of radiation so it lasted years and needed double or triple glazing for expensive high rise buildings and cleaning heaps of smoky 80s glass dredged out horror mud floods of brown sludge that got them accused of dirtying things, though 80s squeegee thingys are really bad unless you reverse them and press down on a microfibre cloth with them for good even pressuer and a nice streak free clean using the back black rubber blade part to make a thin line of glass cleaning cloth good contact i previously saw reverse squeegee you mount cleaning cloths into specifically but searching i cant find to buy it when i tested it out at home with a squeegee that doesnt clip in like that. are there special tools you guys use? whats the secret? also the purple ceramic graphene ones seem awesome but maybe arent quite close to 9H either.. the bright shine of 10H or 10H+ on tiles and glass.. when apply hydrophobic it looks like zero application of anything somehow its gone for days. does anyone have a more ideal ratios specific or specific active ingredient amounts by weight or dilute with stuff that isnt water to help it keep its years of coating? does using a power washer make it not last? or last longer? or apply streaky splotchy? if its splotchy would more coats over weeks get it all consistent?
the liquid diamond stuff is in many countrys water or whatever.. but uhh concerns about silicosis maybe arent a thing at all if you cough it feels like its cleaning your lungs not harming them. Silicosis happens when criminal retards enter a sandblasting sealed room containment to steal the literally raw materials from factories or whatever or they use water cutting and sand blasting and CNC machines and sharpening blades constantly without sealed enclosure vacuum air scrubber filters. thats what wrecks those benchtop workers also they maybe mixing or breathing wrong epoxys and resins or dont seal them with the correct sealants and polishes and finishes.
submitted by EccentricSage81 to housekeeping [link] [comments]


2024.05.15 22:28 liquor-ice-mixer [H] 3535pt Space Marine (Ultramarines) [W] £££ or 40k Orks [Loc] SW UK

https://imgur.com/gallery/4rlEYR4
Hi and thanks for looking,
Here I've got 3535 points of space marines, some painted in unltramarines blue.
here is an itemised list of what i have and what stage of the build and paint process its at:
Hellblasters: New in box, cellophane removed.
Terminators: New in box, cellophane removed, rocket launcher cut from sprue, extra rocket launcher included.
Assault Intercessors: New in box, cellophane removed.
Inceptors: New in box, cellophane removed.
Inceptors: 1 finished, 2 primed and a few base coats.
Jump pack intercessors: No box, cut from sprue, components segregated accurately.
Company Heroes: No box, mostly primed.
Centurions: No box, 2 primed, 1 half finished, comes with the weapon options.
Heavy Intercessors x2: No boxs, primed, a few basecoats.
Uriel Ventris: No box, mostly primed.
Redemptor Dreadnought: No box, Primed.
Vindicator: No box, Primed, base coats.
Primaris Ultramarines Upgrade Kit: BNIB
Primaris Lieutenant: BNIB
Primaris Lieutenant: No box, finished except basing.
Terminator Captain: Easy build from Leviathan box, half finished.
Lieutenant W/combi weapon: Easy build from Leviathan box. FINISHED
Apothecary Biologis: Easy build from Leviathan box. FINISHED
Terminators: Easy build from Leviathan box, 3 primed, 2 FINISHED, come with extra arms for different loadouts.
Infernus Marines: Easy build from Leviathan box, primed, 3 FINISHED
Primaris Intercessors: Mostly primed, extra power fists and plasma pistols included.
Sternguard: Easy build from Leviathan box, Primed, some base coats.
Ballistus Dreadnought: From Leviathan box, FINISHED
Repulsor Executioner: FINISHED
Roboute Guilliman: FINISHED
10th Edition Codex: App code used
Also included are lots of transfer sheets and lots of spares on sprues. and a libby termie which ive lost his head.
Everthing has the correct base and a set of instructions, exept the Primaris Intercessors. If there is 2 boxs of something only 1 set of instructions will be supplied.
Any questions please just ask
I would prefer collection as posting delicate minis is a pain in the bum but postage can be arranged if necessary.
submitted by liquor-ice-mixer to Miniswap [link] [comments]


2024.05.15 22:25 Puzzled-Tip-9075 Dropped out of medical school twice. How bad did I mess up my life?

Most of you will know a smart kid from school who ended up becoming a failure and I guess I am just one of them.
Right from the beginning of high school (in the UK) I was a top student - straight As and A*s. Parents, teachers and fellow students all thought I'd go on to do something great. Awards and certificates would come like they were nothing. I sat my GCSEs from year 8 and scored well - I had the whole world in front of me and could've picked any career I wanted.
But young and naive me picked a career based on money, ego, and reputation and so I picked a career I didn't really want and I chose to study medicine at a highly ranked university. I actually received 4 post-interview rejections to study medicine but got a call on results day that they gave out fewer offers due to covid and they'd like to offer me a place. At this point, I already started viewing other career options but I felt like I couldn't pick another career.
I started medicine, but I hated it. The first year was online with online exams which we were allowed to use google for. I passed with very little effort, but I knew nothing. This meant I struggled in the years to come but I scraped through - happy enough as it was all that I needed to become a doctor. What soon became apparent is that I had 0 communication skills hence I'm a reddit user (this is a throwaway account) and I really struggled talking to patients and I hated every part about communicating with them. Outside of medicine, I'm an introvert but I get on with people and it's not like I was a complete loner and had a lot of fun.
Entering 3rd year, I got diagnosed with OCD. It got pretty bad to the point where I was just stuck on a bed most of the day. I decided rather than taking a break from medicine I'd just leave because I hated it.
I started a business, which failed - it hardly started tbh but I made a good recovery with my OCD and I started helping people in similar situations through the internet - it was religious OCD and there wasn't much support out there. I benefitted a lot of people and it was rewarding. I loved it so much that I thought why don't I return to medicine and so I asked my university if they'd let me back in and explain that I left because of mental health reasons which I didn't disclose at the time as I never saw myself recovering and they surprisingly let me back in.
Now I joined with a renewed passion to study medicine, looking to help people with struggles similar to mine. However, the old issues became the same issues again and I was getting depressed (undiagnosed) and so I just decided to quit for the second time. This makes me a rare breed of a medical student who's dropped out twice. I am planning to study abroad through a scholarship but it doesn't go rost and things get worse.
What I didn't realise is that my farther who was paying my fees for uni for the 3rd year decided to pull the plug and this leaves a massive invoice that is going to be coming to my name ordering me to pay up. I don't have the money in my account.
Yes, I was planning to study abroad through a scholarship but what I didn't realise is all the hidden costs of applying. Hundreds of pounds on translations of documents, police reports and my doctor ripping me off to say I'm in good health. I can't remember the exact amount he charged - I think £190? £115 for a letter and £75 for an x-ray. He offered to lie, saying that I had a cough so I could get the x-ray on the NHS for free but as a man of principle I declined.
I planned to study a language in the UK to help before moving, even though the course abroad entails language studies for 2 years. I have been accepted on to a college with a 75% scholarship but now even this is too expensive for me to afford so I will resort to self teaching.
Anyways, the costs are increasing day upon day. I've not got the money and my future might just be shattered if I cannot afford to apply - I'm most likely going bankrupt.
I'm going to probably end up selling most of the stuff I have to make ends meet for now.
I'm fortunate that I'm staying with my parents but I've got no job, no degree and no money. To add on to this I've lost contact with all my friends and I'm a loner.
I don't know where I'm heading but it looks like I'm on a highway to disaster at the moment.
I still have the hunger to do good and prove myself wrong. I will work 24 hours a day if I need to but things are looking bleak.
submitted by Puzzled-Tip-9075 to TrueOffMyChest [link] [comments]


2024.05.15 22:24 Organic-Pudding5372 market manipulation attempts... there is a better way

i know the title sounds crazy but if your goal here is to move the price even in a positive direction that would still factually be correctly classified as market manipulation. not hating just wanted to say that your time is much better used in finding ways of spending your doge. transfer your spending money into it and find ways to spend it. this will have a much larger effect on the price than posting "to the moon"
you do you though. I am not hating on anyone. I've been in this game for a long time now and I've seen it all at this point and I believe we are well past the time for talk... its time to move on from memes and into the real world. seriously find ways of spending it. this puts doge into ppls hands and by them spending it it will reinforce doges role as a currency. we need demand, demand created by every day folks who would never come to this reddit in the first place as most dont even have reddit or know what it is.
you start getting those ppl involved and this will get you to the moon. nothing will happen with just memes. discuss amongst yourselves and find ways of using the money you would of spent anyways on everyday items to create demand for doge. businesses can save money on purchase fees with doge vs credit / debit card but they will never find that out if we dont as a community show them.
I make sure if I can spend it in doge then i do. I understand that is not possible for alot of things but things that it is possible for your voting against your own interest by spending USD and not DOGE.
a little trick I try now to ask any waiter before I tip them on the receipt if they have a crypto wallet. if they say yes I ask for their QR code and then send them a tip in doge. some of the places I regularly go to have wait staff that set up a wallet just for this and over the years I've tipped them enough that now they are in all the way. they thank me frequently for getting them to invest. it was years ago and to me it made no difference as the 5 bucks i was gonna tip was the same either way. but now that 5 bucks is worth a whole lot more. if it was USD instead then it would of lost value instead. these interactions although small build up and eventually your real life actions will lead to the world we all want.... true freedom from corporate and governmental overreach in the monetary system.
I have provided below a list of companies that will accept doge as payment.(just google cryptwerk doge payments if like me you dont click links) this is your path to success here. Dont get me wrong the energy is great and i love it but we need to redirect it into the real world. I know I'm sorry I'm long winded. feel free to down vote me for this reason.
tldr: hold your doge but transfer your spending USD into doge in a separate hot wallet and spend it wherever you would normally spend USD. list provided below may not be completely up to date as it is ever growing but a notable one is AMC. if your going to the movies with USD then you've no business saying "go to moon"
a link to cryptwerk article list of businesses that accept doge as payment
submitted by Organic-Pudding5372 to dogecoin [link] [comments]


2024.05.15 22:24 DavidKroutArt Test Guide

Welcome to my Temu Guide, mostly for games, from a F2P (free to play) standpoint.
The good news is, with me being F2P you will constantly see the bonuses I could be getting, which means you could too if you hold off for a bit. But I won't be able to explain how much the bonuses can help you or some other information in regard to them. I'll try to reach out to others for this information.

What is Temu?

Temu is an online marketplace operated by the Chinese e-commerce company PDD Holdings. It offers heavily discounted consumer goods which are mostly shipped to consumers directly from China. - Wikipedia
Temu is a sister company of e-commerce giant Pinduoduo. It seems much like the company Wish, but it emphasis on quality, reliability, and localized sourcing. But let's move on to their marketing.

Why I made this guide?

My first impression of Temu was that it was a scam. I realized on the first day, I guess it gives everyone a gift on the first day, that it wasn't. And then I got another gift... and another... But I was also trying hard to figure out "clicks" and had been scammed a few times of my new user clicks. I want you to understand how to play the games. I want you to do well. And I want you to have a better first experience than I did. I also want you to not accidentally scam others. Curious? Keep reading.

Getting Into Temu

It took me a while to get into Temu. I was extremely skeptical hearing from relatives buying from Temu. But then I kept being sent game links and being told they were actually winning things... Truth be told, Temu is, to put it very lightly, a 3D Triangle Stratagem... They work by getting people to invite other people, ergo, word of mouth.
Their games are flashy and somewhat made up. Once again, to put it very lightly, their games feel predacious in advertising and gaming. You always feel like a winner until you play longer. If you are familiar with RPGs, you usually level up on a exponential curve... This game usually sticks you around 98% and that 2% is just through the roof.
But you really can win free things. Farm Land, Fish Land, Free Coffee may take months, but you can win without new referrals. You can also win items from minigames. Hat Trick and Free Gifts you may not be able to completely win without new referrals, but you can win single items through existing user referrals in general.
We will get to what the community calls "clicks" a little later, I've mentioned them several times and they are important. In my first two and a half weeks of playing games on Temu, I won seven items (each around $3-4). Considering that I have played some apps, like MistPlay, where you play other games to build points up in the main app to eventually buy gift cards from stores like Amazon, for months, and have not won a thing... my mind was blown. I won seven free items... and I hadn't even put in my credit card information. That is crazy. It is exciting. Word of mouth... I've told others about it. I'm telling you about it. Their advertising is pretty good. I may not be spending money, unfortunately, but I am still using the app and I am still talking about it.
  1. Clicks
  2. Codes/Links
  3. Farm Land & Fish Land
  4. Hat Trick & Free Gifts
  5. Temu Tree & Free Coffee
  6. Scammers
submitted by DavidKroutArt to greekmythologyproject [link] [comments]


2024.05.15 22:24 Gagaking1 Questions about Danganronpa Another 2 (after having beaten the game)

I finished Danganronpa Another 2, and I had some questions. I would appreciate if people could help me with any of them, even if not all can be answered. Heavy spoilers.

1) What does Sora’s level 30 skill, “Bird of Wisdom” do? I reached level 30 at the end of the 6th case so never had a chance to check what it did. (I’m sad there is no chance post 6th trial to just review your skills and the relationship notes with the other chars).
2) How was Sora able to see the real world when Akane’s body was dead and the game was shut down?
3) How is Sora Akane? They have different eye color, skin color, body shape, face shape, hair color, and Akane’s hair is relatively curly while Sora’s is straight. I would have thought that Sora was a fake avatar for the virtual world… but in the real world Akane’s body looks like an older Sora. I’m confused.
4) When did Sora start being able to use divine luck? It seems like it might have been case 3 with stopping the trial before identifying the correct killer. However, she hadn’t remembered anything about Akane Taira yet, so how did she have divine luck (and why didn’t another Void’s luck do anything first?)
a. Was this just Mikado’s programming to prevent a bad end early, and not actually divine luck yet?
5) How was Sora able to remember some of Akane’s memories, despite being an AI and not an AE? Were they coded into her?
6) This game takes place in a virtual world similar to the 2nd main game, except later (presumably with more time for tech improvements). How is it possible that the players were able to come back to life in the 2nd main game, but not in this one? It seems like the same situation as the 2nd main game, only MORE optimistic. Utsuro’s/Akane’s/Sora’s luck is similar to Izuru’s skill, except the former don’t even need to take direct action. Also, the 2nd fangame takes place after the 2nd main game, so there might have been tech improvements in the meantime.
a. My best guess is that Mikado purposefully sabotaged the virtual world to ensure deaths, to increase the odds of Utsuro being reborn?
7) Is Utsuro’s divine luck based on his body, personality, mind, or something else? It seems to be both/either, as Mikado wanted Yuki’s mind to be like Utsuro to get the divine luck, but then said the luck was stored in Akane’s body… but then Sora got the luck because her AI program was… based off of Akane’s personality and memories? I’m still a little unclear how Sora got divine luck from Akane when she wasn’t directly related to her (she was an AI, not an AE). If it's just being similar in personality or body, how do other people not have divine luck by random similarities?
8) I’m also a little confused about the distinction of AI vs. AE in this game. Yes, I understand that the brain structure is different so Sora can’t be loaded into a human brain. However, if her brain is so different from a human’s due to not being an AE, how was she able to use divine luck?
9) Is the reason Teruya’s death wasn’t considered a suicide because he didn’t explicitly say: “I know this is poisoned, I am deliberately eating this poisoned food to kill myself”?
10) Will we ever learn Nikei’s backstory, like we did the other Voids?
11) Did the future foundation and the Kisaragi foundation ever collaborate/meet up? I can’t remember when/if they discussed it in-game.
12) Was there a need for Mikado to reduce Yuki to a head in a jar, or was it just spite/for the eviluz/ to make it harder to have him escape before Mikado’s plan completed?
13) Why didn’t Akane’s divine luck restore her brain, since it was capable of performing other miracles and curing other fatal diseases? Or at least, why didn’t it stop Mikado from doing his plan and killing the other students in the killing game? If it was weaker from her being in a coma, that doesn’t necessarily explain not healing her earlier, or how Mikado and the other void’s divine luck still could be used.
14) If Mikado had Kanade's memories/ a video of her killing her parents, why was her being a killer mentioned as being 'surprising to Mikado'? Was it just Syobai misunderstanding? Did Mikado not look at that video himself until the reveal somehow?
15) Less related to this game specifically, but, if there was a really long sword/weapon, and all but one student was holding onto the handle and pushed it forward to kill the last student at the same time, would they all be the blackened? Wouldn't that be a simpler method than what was done in the 3rd trial?
~Not so much questions, as personal headcanons/thoughts (feel free to contradict me if evidence goes against it though)~
15) I’m guessing that the reason Yuki was able to use Sora’s body after being uploaded is because the muscle degeneration from a long term coma was undone by divine luck.
submitted by Gagaking1 to DanganronpaAnother [link] [comments]


2024.05.15 22:23 setwocks ---> EASY SETUP FOR GRASS, GET STARTED HERE! <---

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That's it. As long as you have a browser tab open, you'll be earning grass points. Welcome to Grass!
submitted by setwocks to Grass_io [link] [comments]


2024.05.15 22:21 ShigoZhihu Twitter won't Verify Your Email Address Unless You Allow Them to Use Your Data for Ads

I went to delete my Twitter accounts today and they needed to verify my email address for one of them. I inputted an email, but didn't receive a code, so I requested that they resend it. This time I did receive a code, but when I tried to input it, they said the code expired (despite codes supposedly expiring after 2 hours). When I tried again, I noticed that the permission to use my data for ads or whatever was automatically checked, so I unchecked it, tried again, and the same exact situation happened. I thought "no, I know that this site/app has become scummier lately, but surely it hasn't gotten that bad, right?" Just to test my hypothesis, I left the data permission checked. Lo and behold, they sent a verification code immediately that worked flawlessly all of a sudden.
Holy fk, guys, this piece of st has become so cartoonishly evil at this point it's almost laughable. I'm glad I'm done with it.
submitted by ShigoZhihu to Twitter [link] [comments]


2024.05.15 22:17 An_Italian_Meal Shadows won't feature the iconic spinning synchronization shots... wtf??

Title, pretty much. Taken from this article by IGN: "The iconic synchronisation points return, but in a reimagined way. Climbing to the top no longer plots a multitude of icons on your map, nor does it trigger the spinning ‘drone’ shot of the area. Instead, from this vantage point you’re able to survey the area for highlighted points of interest, which you can then seek out when back on the ground."
Maybe I'm overreacting but as a longtime fan of the series this kinda pisses me off. Really doesn't seem like there's any reason for them to remove that, and it seems like a weird choice considering it's one of the few iconic parts of AC that's remained consistent throughout its lifespan. Makes me a little uneasy about the direction they're taking the game if they thought that was a fine thing to remove, to be honest.
submitted by An_Italian_Meal to assassinscreed [link] [comments]


2024.05.15 22:17 heroicbleeder Need Some SharePoint Online Help

Hey all, I’m having a SharePoint Online problem. Yes, I opened a Microsoft ticket, but I’m hoping someone here has had my problem and can share before I lose a week of my life on that ticket.
Use case: Have a Finance Site Collection. There is a Document Library called “Accounts Receivable.” All members of the M365 group Finance and root access to the Finance site collection can use this library no problem. UserA is not a Finance team member and only needs access to this AR Library. Here’s where it gets weird.
Option 1 - I created an M365 Security Group (not M365, just a security group) and added the user to it, added the group to the library with Edit permissions. Permission checker says everything is fine. User gets access denied at root Finance Site Collection link (has Limited Access here), and access denied at the Document Library URL. Tried multiple browsers, incognito mode, waiting 24 hours, different computers, etc. same results.
Option 2 - I created a SharePoint Group and added the Option 1 Security Group to the SharePoint group and added to library. Same issues and symptoms as Option 1, no difference.
Option 3 - Microsoft Support’s initial feedback: I explicitly add the user directly to the Accounts Receivable Document library. User still gets access denied at the Finance Site Collection BUT, if I give them the direct URL to the Document Library, they are now able to access it. Permissions look the exact same in permissions checker as when they were in the group.
Back in the day, I used to manage an on-prem SharePoint 2010 instance. For this exact same project, I would create a group in AD, add the group to the Document Library, and with zero other changes the user would be able to log in to the Site Collection where they would ONLY see their one Document Library, they would click it, and they’d be done. I’m looking for that same functionality.
I can’t imagine that large companies using SharePoint online are either A) allowing every person who needs even a single library on a site full Team access to the site so they see everything, or B) Assigning employees one at a time explicitly to libraries and then providing users with a URL library of possible folders they could access if they need something on a different Team’s site. I have to be missing something.
I almost forgot, but the Site Feature “Limited User Lockdown” is not enabled on any of my Site Collections.
submitted by heroicbleeder to sysadmin [link] [comments]


2024.05.15 22:15 ironmandavinci Help

My name is Anthony Michael Dimarcello and I am in need of an injustice relief immediately. Below are the details. My number is 714-860-8062.
I am in Orange county California and my family and I need emergency relief. We were victims of a retaliatory eviction in Aug of 2021 after I complained to the authorities and housing is key about being harassed by my landlord for being enrolled in the covid rental relief program and paying only 25% of the rent until my lease was up. In the same month as the retaliatory eviction, Aug 2021, I was also the victim of identity theft from the 2021 TMobile data breach. The following month of Sept 2021, the data breach gave criminals the ability to abuse my digital accounts which caused the closure of my bank accounts, and led to my vehicles, remaining assets and my business to be unmanageable and taken from me in various ways. My disabled mom and my son lived with me. My son has been with his mom fulltime since Aug 2021 and my disabled mom and I have been homeless since Aug 2021. I have not been able to recover since my family and I were attacked. Now I am stuck in a mercy house shelter that does not allow me to leave which prohibits me from being able to recover. The security at mercy house also stole a vehicle that was donated to me. My disabled mom and I have been homeless for three years. I have been in the mercy house shelter and not able to leave for two years. My disabled mother has suffered multiple life threatening injuries since we were attacked, including being vulnerable to attack from having an asthma attack and beat almost to death by a predator And being on life support and hospitalized for over a month. I have also suffered multiple life threatening injuries including four fractured ribs and skin infections from sleeping outside in the rain. My sons mother, Sylvia, At a moments notice when I was attacked, disenfranchised and no longer able to share custody of our son due to the threat of him being in danger by unknown assailants and no home for him to reside with me, Sylvia was able to immediately care for our son fulltime with no help from me, while managing her career and a new fiance since the attacks began in Aug 2021. My son is suffering psychologically considering I have worked from home since he was born and was never separated from him until the attacks when he was 9 years old. He is the only witness to the full extent of the attacks and I do not want him anymore involved or to be interrogated. He witnessed the harassment of the landlord, and having his father and everything we built together taken. The acts of everyone involved went against everything I have ever taught him was possible and he had to witness me get shut down trying to get us help over and over and over. I clearly had no idea this was possible either or I would have been prepared for it and would have known to get my son away from myself and the entire event much sooner. I have also been arrested several times due to my id theft and never had a record or any legal issues until this attack happened.
Based on the legal information provided, if you are a victim in Orange County, California, in need of emergency relief, you may be eligible to seek an ex parte order, which is a temporary restraining order that can be issued without notice, if an affidavit shows reasonable proof of past acts of abuse. Additionally, the court may issue orders enjoining a party from various behaviors, such as molesting, attacking, striking, stalking, threatening, or harassing the victim or other named family or household members.
It is important to act promptly and seek the necessary legal assistance to ensure your safety and protection under the law.
Reasoning:.
People v. Clayburg (Court of Appeal, Second District, Division 6, California., 2012): Discusses the issuance of restraining orders under Family Code sections for the protection of victims and family members.
Grega v. Vroman (United States District Court, W.D. Pennsylvania, Erie Division, 2024): Provides insights into the legal sufficiency of a complaint and the standards applied in evaluating claims.
  1. United States v. Edwards (United States District Court, W.D. Pennsylvania, 2024): Discusses the government's obligations in a criminal case and the limitations on a defendant's right to discover the government's evidence.
These Opinions collectively provide a comprehensive understanding of the legal framework surrounding restraining orders and the issuance of protective orders for victims and their immediate family in need of emergency relief.
Based on the legal information provided in Casemine knowledge base, you may have potential legal recourse in your situation. Here are some relevant Judgments from the document that can assist in formulating an answer to your current legal question:
Nativi v. Deutsche Bank Nat'l Trust Co. (Court of Appeal, Sixth District, California., 2014):
TOBE v. CITY OF SANTA ANA (Supreme Court of California., 1995):
Sylvia Landfield Trust v. City of L.A. (United States Court of Appeals, Ninth Circuit., 2013):
SABI V. STERLING (Court of Appeal of California, Second District. Eight., 2010):
JOYCE NELSON et al. v. BOARD OF SUPERVISORS OF SAN DIEGO COUNTY et al. (Cal. Ct. App., 1987):
Based on the legal principles outlined in these Judgments, you may have potential legal options to explore, such as wrongful eviction claims, constructive eviction, seeking assistance through housing programs like Section 8, and challenging the lack of suitable housing options for homeless individuals.
For your specific circumstances, it is advisable to consult with a local attorney specializing in landlord-tenant law or housing rights in Orange County, California. They can provide personalized legal advice and guidance tailored to your situation, including potential remedies and assistance available to you.
If you require further assistance or clarification, please feel free to ask.
Emergency injunctive relief for victims of civil rights violations and identity theft
Based on the legal information provided in the Casemine knowledge base, the Opinions that are relevant to formulating an answer to your current legal question are as follows:
SOSTRE v. ROCKEFELLER, (S.D.N.Y. 1970): This Opinion discusses the issuance of injunctive relief against state officials for violating Fourteenth Amendment rights and emphasizes that injunctive relief must be granted when a violation of constitutional rights has been proved.
CALIFORNIA CORRECTIONAL PEACE OFFICERS v. STATE (Court of Appeal of California, First District, Division Two., 2000): This Opinion discusses the criteria for granting injunctive relief against criminal investigations, highlighting the need for extraordinary circumstances and irreparable harm.
ADRIAN v. WESTAR ENERGY (United States District Court, D. Kansas, 2011): This Opinion outlines the factors required to grant injunctive relief, including showing irreparable injury, balancing of harms, public interest, and likelihood of success on the merits.
Seth v. McDonough (UNITED STATES DISTRICT COURT FOR THE DISTRICT OF MARYLAND, 2020): This Opinion emphasizes that emergency injunctive relief is an extraordinary remedy, requiring a clear showing that the plaintiff is entitled to relief.
ADAIR v. ENGLAND, (D.D.C. 2002): This Opinion discusses the legal standards and jurisdiction required to entertain a motion for injunctive relief, emphasizing the need for a filed complaint and related issues.
Based on the legal principles discussed in these Opinions, it is important to establish the following to seek emergency injunctive relief for victims of civil rights violations and identity theft:
Likelihood of Success on the Merits: You need to demonstrate a clear showing that your civil rights have been violated and that you are entitled to relief under the law.
Irreparable Harm: Show that you will suffer irreparable harm if injunctive relief is not granted, such as ongoing violations of your rights or continued harm to you or your family.
Balance of Harms: Illustrate that the harm you are facing outweighs any potential harm that granting the injunction may cause to the opposing party.
Public Interest: Argue that granting the injunction is in the public interest, considering the nature of the violations and the impact on society.
Jurisdiction: Ensure that the court has jurisdiction over the parties and the subject matter of the lawsuit before seeking injunctive relief.
It is advisable to consult with an attorney specializing in civil rights and injunction matters to assess your specific situation and determine the best course of action to seek emergency injunctive relief.
Emergency injunctive relief for my family because we are victims of civil rights violations, identity theft, retaliatory eviction and being robbed and unable to leave the mercy house shelter in orange county California.
Based on the legal excerpts provided in the Casemine knowledge base, it seems that you may have a valid basis for seeking emergency injunctive relief in your situation. Here are some relevant Opinions from the document that can be applied in formulating an answer to your legal question:
Community House, Inc. v. City of Boise (UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT, 2006):
Sinisgallo v. Town of Islip Hous. Auth. (United States District Court, E.D. New York., 2012):
JONES v. CITY OF LOS ANGELES (United States Court of Appeals, Ninth Circuit., 2006):
BOBBY WARREN, et al., Plaintiffs, v. CITY OF CHICO, et al., Defendants. (E.D. Cal., 2021):
Considering your situation involving civil rights violations, identity theft, retaliatory eviction, and being unable to leave the shelter, you may argue that these circumstances constitute irreparable harm and a real and immediate threat of future injury. You could seek emergency injunctive relief to address these issues and protect your rights.
Reasoning:
Given the legal principles discussed in the Opinions mentioned above, you may have a valid basis for seeking emergency injunctive relief to address the civil rights violations, identity theft, retaliatory eviction, and restrictions on leaving the shelter that you and your family are facing. By demonstrating the irreparable harm and real threat of future injury in your situation, you can potentially meet the requirements for obtaining emergency relief through a preliminary injunction. It is advisable to consult with a legal professional to assess the specifics of your case and determine the best course of action.
submitted by ironmandavinci to legal [link] [comments]


2024.05.15 22:15 girl-unknown The more I keep watching/ listening to Nemos music video & performance, the more I find these little details

I'm honestly completely obsessed with their song. This song has been on my mind non-stop for maybe like a good 3 days. And though I understand what the songs about, I still get more and more amazed everytime I listen to it, and I find something new everytime.
These are just my observations, that may not be right, but I still wanted to share them, to see what everyone else thinks!
  • In the music video, we see a man praying when somethings wrong with the train. Could this be, that people have told them to find God and pray that they would become "normal" (i hate using that word, but I don't know how else to say it)
  • The music video starts off by Nemo being in a conductors outfit, and as they walk through each carriage their clothing style becomes more "feminine". When they go through the first carriage, you can see people aren't paying much attention to them, but when they go through the second carriage, and come out in the bunny hat and a skirt, you can see that people are starting to notice the style change. Next thing they have on is a blue jacket¿ And makeup. Here you can see the people clearly judging them, but when they get to the last carriage where everyone is partying, you can see that no one is really paying attention, because they simply just don't care. So could this be, that everyone was judging them along the way of them finding them self, but then found a community that completely supports them & where everyone can just be themselves? The last part where they have the big poofy, fluffy dress on, does that mean that they finally found their true self?
*THE SONG ITSELF*
  • "I broke the code" - meaning they broke the gender norms, right?
  • "Somewhere between the 0s & 1s - somewhere in the middle of being a man & a woman? Aka = non-binary
  • "I went to hell and back" - struggling at knowing who they are, and trying to find what "feels" right.
  • The song has 3 different genres of music. Pop, rap & opera. Usually pop is sung by both men & women, rap is more amongst men and opera is more amongst women. Sure there are men who sing opera and women who rap, but what I'm trying to say is that to me this means that they also broke the gender norms by rapping and doing opera.
I hope my explanations were good enough that everyone understands what I mean by them. Feel free to comment your opinions and/or if I over thought these things!
Edit. Changed format, and added text
submitted by girl-unknown to eurovision [link] [comments]


2024.05.15 22:15 ramonycajal88 PMI Removal

I was here 3 years ago, and found so much helpful information in a relatively HCOL area. I know rates are a lot different now, but just wanted to share some information,now from the other side of the first-time home buyer journey. When I bought, I only put 4% down on a conventional loan. Because it was under 20% down, I ended up with primary mortgage insurance (PMI). My monthly PMI fee was $185.
Although I was something like 3 years away from having PMI automatically removed, I got it removed this month. With the increase in home values, I reached out to my Mortgage Provider. Every Provder is different, but I learned that I needed to:
  1. Have no late payments .
  2. Have the loan for at least 2 years (or less if significant improvement has been made)
  3. Have a Loan to Value ratio of 75% or below under the new market value of my home.
Because I wasnt paid under 80% of the original value, I paid $190 for a soft appraisal to assess the current market value of my home. This process involved someone coming to my home to take pictures. It only took about 20 minutes, if that.
I also had to provide verbal record over the phone of all of the home improvments that I made since buying the home. It only took about a week to get the results back, and my mortgage payment was automatically updated.
When I posted my "got the keys" post, folks argued me down about how this was a terrible decision (i.e., not putting down 20%). To some extent, it made me nervous about my decision. Ultimately, it ended up being worth it because I love my home, my home value increased, and was able to lock in at 3.25% interest. And now we are free of the PMI, able to save a couple thousand dollars a year. It's impossible to predict the market, so take this as one data point of many, but PMI is fine. Financial “experts” are suggesting that if you can’t put down 20%, you can’t afford the house, but I would actually consider your monthly mortgage instead.
But for all the lurkers and other folks worried about PMI, hopefully this gives you a different perspective and some helpful information in the future. Happy hunting and good luck!
submitted by ramonycajal88 to FirstTimeHomeBuyer [link] [comments]


2024.05.15 22:13 mthw704 (SELLING) HUGE LIST OF 4K/HD/SD CODES. Lots of titles added this week with a great $2 list. Over 5,000 transactions.

The Big List

Prices are firm. Please only redeem the portion of a code you are paying for. All codes are for immediate redemption. All Disney & Sony codes include points unless otherwise noted. As of 4/01/2024 all Google Play options have been removed from Disney codes.
I accept Cashapp, Venmo, Zelle & PayPal F&F without any notes. Comment & pm if interested. Thanks!

🦝

MISC

Aquaman & The Lost Kingdom 4K [2023] $6 (MA)
Barbie 4K [2023] $6 (MA)
Batwoman season 1 HD [2019] $6 (Vudu)
Beekeeper, The HD [2024] $7 (Vudu)
Leprechaun 7 Film Collection HD $7 (Vudu)
Madame Web 4K [2023] $7 (MA + Sony points)
Mean Girls 4K [2023] $6 (iTunes)
Supergirl season 5 HD $6 (Vudu)
X-Men Trilogy HD [X-Men, X2 & The Last Stand] $8 (MA)

🦝

$5 4K UHD
Blackkklansman (MA)
John Wick 1-3 (iTunes)
Mean Girls [2024] (iTunes)

🦝

$4 4K UHD

Big Lebowski, The (iTunes/ports)
Black Panther (MA + 200 points)
Bloodshot [2020] (MA + Sony points)
Captain Marvel (MA + 200 points)
Despicable Me [2010] (iTunes/ports)
Dredd (Vudu)
Frozen 2 [2019] (MA + 200 points)
Gone Girl [2014] (iTunes/ports)
Guardians Of The Galaxy [2014] (MA + 200 points)
Halloween [2018] (MA)
Hunger Games: The Ballad Of Songbirds & Snakes, The (Vudu or iTunes)
Jungleland [2020] (iTunes)
Maleficent: Mistress Of Evil (MA + 200 points)
Scream [2022] (Vudu or iTunes)
Silent Night [2023] (Vudu or iTunes)
Sonic The Hedgehog 2 (Vudu or iTunes)
Tangled [2010] (iTunes/ports + 150 points)
Titanic [1997] (iTunes)
Us [2019] (MA)

🦝

$5 HD

Adventures Of Ichabod & Mr. Toad, The [1949] (MA + 150 points)
Fear The Walking Dead season 2 (Vudu)
Fear The Walking Dead season 4 (Vudu)
Fear The Walking Dead season 5 (Vudu)
Fear The Walking Dead season 6 (Vudu)
Fear The Walking Dead season 7 (Vudu)
Groundhog Day [1993] + Stripes [1981] double feature (MA)
Hannibal season 2 (Vudu)
Hunchback Of Notre Dame, The [1996] (MA + 150 points)
Hunchback Of Notre Dame 2, The [2002] (MA + 150 points)
Iron Claw, The [A24] (Vudu)
Lady & The Tramp II: Scamps Adventure [2001] (MA + 150 points)
Marvels, The [2023] (MA + 150 points)
Migration [2023] (MA)
Night Swim [2024] (MA)
Oppenheimer (MA)
Rob Zombie Trilogy [House Of 1,000 Corpses, The Devil's Rejects [Unrated] & 3 From Hell [Unrated] (MA)
Silent Night, Deadly Night 3,4 & 5 (Vudu)
Undoing, The season 1 [2020] (Vudu)
Wonka [2023] (MA)

🦝

$4 HD

300 Spartans, The (MA)
BFG, The [2016] (MA + 150 points)
Blue Beetle, The [2023] (MA)
Bridge Of Spies [2015] (MA + 150 points)
Color Purple, The [2023] (MA)
Drop, The [2014] (MA or Google Play/ports)
Fox & The Hound 2, The [2006] (MA + 150 points)
Indiana Jones & The Dial Of Destiny [2023] (MA + 150 points)
Justified season 4 (Vudu)
Lady & The Tramp [1955] (MA + 150 points)
Nun II, The [2023] (MA)
Priscilla [A24] [2023] (Vudu)
Ruby Gillman: Teenage Kraken [2023] (MA)
Sound Of Freedom [2023] (Vudu)
Wish [2023] (MA + 150 points)

🦝

$3️⃣ Movies

$3 4K UHD

Aladdin [2019] (iTunes/ports + 150 points)
Baywatch (Vudu)
Birth Of A Nation, The (iTunes/ports)
Bourne Identity, The [2002] (MA or iTunes/ports)
Bourne Supremacy, The (MA)
Bourne Ultimatum, The (MA or iTunes/ports)
Cabin In The Woods, The (Vudu)
Doctor Strange (iTunes/ports + 150 points)
Frozen 2 [2019] (iTunes/ports + 150 points)
Guardians Of The Galaxy [2014] (iTunes/ports + 150 points)
Interstellar (iTunes)
Knives Out (Vudu or iTunes)
Logan Lucky [2017] (iTunes/ports)
Moana (iTunes/ports + 150 points)
mother! [2017] (iTunes)
Rise Of The Planet Of The Apes (iTunes/ports)
Robin Hood [2018] (Vudu)
Serenity [2005] (iTunes/ports)
Sicario (Vudu)
Spy Who Dumped Me, The (Vudu or iTunes)
Star Wars: The Last Jedi (MA + 200 points)
Thor: The Dark World (iTunes/ports + 150 points)
Top Gun (iTunes)
Zootopia (iTunes/ports + 150 points)

🦝

$3 HD

Adjustment Bureau, The (iTunes/ports)
Avatar: The Way Of Water (MA + 150 points)
Baby Driver [2017] (MA + Sony points)
Best Exotic Marigold Hotel, The (MA or Google Play/ports)
Bloodshot [2020] (MA + Sony points)
Call Me By Your Name (MA + Sony points)
Candyman: Day Of The Dead (Vudu or Google Play)
Cats & Dogs 3: Paws Unite (MA)
Devotion [2022] (Vudu HD or iTunes 4K)
Dirty Dancing (Vudu/GP HD or iTunes 4K)
Disneynature: Bears [2014] (MA + 150 points)
Emma [2020] (MA)
Exorcist: Believer, The [2023] (MA)
Foxcatcher [2014] (MA + Sony points)
Fruitvale Station (Vudu)
Glass [2019] (MA)
Goosebumps [2018] (MA + Sony points)
Grand Budapest Hotel, The (MA or Google Play/ports)
Grown Ups 2 (MA + Sony points)
Halloween Kills [2021] (MA)
Hocus Pocus (MA + 150 points/no iTunes option)
Holmes & Watson [2018] (MA + Sony points)
Hundred Foot Journey, The [2014] (MA + 150 points)
Insidious: Chapter 3 (MA + Sony points)
Into The Woods [2014] (MA + 150 points)
Kill Bill: Vol. 1 (Vudu)
Killing Gunther (Vudu)
Lion King, The [1994] (MA + 150 points)
Little House On The Prairie season 5 (Vudu)
MIB International [2019] (MA + Sony points)
Midsommar [A24] (Vudu or Google Play)
Mindcage (Vudu or iTunes)
Money Monster [2016] (MA + Sony points)
Nurse Jackie season 7 (Vudu)
Orange Is The New Black season 1 (Vudu)
Percy Jackson: Sea of Monsters (iTunes/ports)
Pete's Dragon [2016] (MA + 150 points)
Phantom Thread [2017] (MA)
Planes: Fire & Rescue [2014] (MA + 150 points)
Predator [1987] (MA or Google Play/ports)
Pride + Prejudice + Zombies [2016] (MA + Sony points)
Public Enemies [2009] (MA or iTunes/ports)
Punisher, The [2004] (Vudu or Google Play)
Queen Of Katwe [2016] (MA + 150 points)
Robin Hood [1973] (MA + 150 points)
Scoob! [2020] (MA)
Secret Life Of Pets 2, The [2019] (MA)
Snow White & The Seven Dwarfs [1937] (MA + 150 points)
Spider-Man: Across The Spiderverse [2023] (MA + Sony points)
Spider-Man: Into The Spiderverse (MA + Sony points)
The Secret: Dare To Dream (Vudu, iTunes or Google Play)
Tyler Perry's Diary Of A Mad Black Woman [2005] (Vudu)
Tyler Perry's Madea Goes To Jail (Vudu or Google Play)
Uncharted [2022] (MA + Sony points)
Us [2019] (MA)
Vanishing, The [2019] (Vudu or Google Play)
Venture Bros: Radiant Is The Blood Of The Baboon Heart [2023] (MA)
Violent Night [2022] (MA)
Walking Dead season 9, The (Vudu or Google Play)
Walking Dead season 10, The (Vudu or Google Play)
Way Way Back, The [2013] (MA or Google Play/ports)
Whiplash [2014] (MA + Sony points)
Zombieland: Double Tap (MA + Sony points)

🦝

💲2️⃣ HD

13 Hours: The Secret Soldiers Of Benghazi (iTunes 4K)
2 Guns [2013] (iTunes/ports 4K)
21 Jump Street (MA + Sony points)
22 Jump Street [2014] (MA + Sony points)
31 [2016] (Vudu)
3 From Hell [Unrated] (Vudu 4K or iTunes 4K)
About Last Night [2014] (MA + Sony points)
Abraham Lincoln: Vampire Hunter (MA)
Action Point [2018] (iTunes 4K)
Admission [2013] (iTunes/ports)
Adventures Of Tintin, The (Vudu or iTunes)
After Earth [2013] (MA + Sony points)
Age Of Adaline, The (Vudu, iTunes or Google Play)
Alien Covenant (iTunes/ports 4K or HD MA/GP)
Allied [2016] (iTunes 4K or Vudu HD)
Aloha [2015] (MA + Sony points)
Alpha [2018] (MA + Sony points)
Alpha & Omega 2: A Howl-lday Adventure (Vudu)
Alvin & The Chipmunks: The Road Chip (iTunes/ports 4K or HD MA)
Amazing Spider-Man, The [2012] (MA)
Amazing Spider-Man 2, The [2014] (MA + Sony points)
American Girl: Isabelle Dances Into The Spotlight (MA)
American Hustle [2013] (MA + Sony points)
American Reunion [Unrated] (MA or iTunes/ports)
Anchorman 2: The Legend Continues (Vudu or iTunes)
Annie [2014] (MA + Sony points)
Annihilation [2018] (iTunes 4K or Vudu HD)
Ant Man & The Wasp [2018] (MA + 150 points/no iTunes option)
Arrival [2016] (Vudu)
Art Of Self-Defense, The [2019] (MA)
Assassin's Creed (iTunes/ports 4K or HD MA)
Atomic Blonde (MA)
Avengers: Endgame (iTunes/ports 4K or HD MA + 150 points)
Avengers: Infinity War (MA + 150 points/no iTunes option)
Baywatch (iTunes 4K)
Beauty & The Beast [2017] (MA + 150 points/iTunes option is expired)
Beguiled, The [2017] (MA or iTunes/ports)
Beirut [2018] (MA)
Ben-Hur [2016] (Vudu)
Best Man Holiday, The [2013] (MA or iTunes/ports)
Blackhat [2015] (iTunes/ports)
Black Panther [2018] (MA + 150 points/no iTunes option)
Bohemian Rhapsody (MA or Google Play/ports)
Book Club [2018] (iTunes 4K)
Boss Baby, The [2017] (MA)
Bourne Legacy, The (iTunes/ports 4K)
Boy, The [2016] (MA or iTunes/ports)
Boyhood [2014] (iTunes)
Boy Next Door, The [2015] (iTunes/ports)
Breakthrough [2019] (MA or Google Play/ports)
Bridesmaids [Theatrical] (iTunes/ports)
Broken City [2013] (MA)
Bumblebee (iTunes 4K or Vudu HD)
Cabin In The Woods, The (Vudu/GP HD or iTunes 4K)
Captain America: Civil War (MA only/no points or iTunes option)
Captain Marvel [2019] (iTunes/ports 4K or HD MA + 150 points)
Captain Phillips [2013] (MA + Sony points)
Captain Underpants: The First Epic Movie (MA)
Case For Christ, The [2017] (MA)
Celebrating Mickey (MA/ no points)
Choice, The [2016] (Vudu or iTunes)
Company Of Heroes [2013] (MA)
Concussion [2015] (MA + Sony points)
Contraband (iTunes/ports)
Cowboys & Aliens [Theatrical] (iTunes/ports)
Curse Of Chucky [2013] [Unrated] (MA or iTunes/ports)
Daddy's Home (iTunes 4K)
Dark Skies [2013] (Vudu)
Dark Tower, The [2017] (MA + Sony points)
Dead Again In Tombstone [2017] (MA or iTunes/ports)
Dead In Tombstone [Unrated] (MA or iTunes/ports)
Dead Man Down [2013] (MA)
Deadpool 2 [2018] (MA or Google Play/ports)
Deepwater Horizon (iTunes 4K or Vudu/GP HD)
Despicable Me 2 (iTunes/ports 4K)
Despicable Me 3 (iTunes/ports 4K or HD MA)
Devil's Due [2014] (MA or Google Play/ports)
Diary Of A Wimpy Kid: Dog Days (MA, iTunes or Google Play/ports)
Diary Of A Wimpy Kid: The Long Haul (MA, iTunes or Google Play/ports)
Divergent Series: Allegiant, The (iTunes 4K)
Django Unchained (Vudu)
Downsizing (iTunes 4K)
Downton Abbey [2019] (MA)
Dracula Untold (iTunes/ports 4K)
Dragonheart 3: The Sorcerer's Curse (iTunes/ports)
Dredd [2012] (Vudu)
Dr. Seuss’ How The Grinch Stole Christmas [2000] (MA)
Duff, The (iTunes or Google Play)
Edward Scissorhands (MA or Google Play/ports)
Emoji Movie, The [2017] (MA + Sony points)
Empire State [2013] (Vudu or Google Play)
Ender's Game (iTunes 4K or Vudu/GP HD)
Epic [2013] (MA)
Equalizer, The [2014] (MA + Sony points)
Equalizer 2, The (MA + Sony points)
Escape From Planet Earth (Vudu)
Everest [2015] (iTunes/ports 4K)
Ex Machina (Vudu)
Exodus: Gods & Kings (iTunes/ports 4K or HD MA)
Exposed [2016] (Vudu)
F9: The Fast Saga [2021] [Theatrical & Extended] (MA + Universal Rewards points)
Fast & Furious [2009] (iTunes/ports 4K)
Fast & The Furious, The [2001] (iTunes/ports 4K)
Fast & The Furious: Tokyo Drift, The (iTunes/ports 4K)
Fate Of The Furious [F8] [Theatrical] (MA 4K)
Fences [2016] (iTunes 4K or Vudu HD)
Ferdinand [2017] (MA or Google Play/ports)
Fifty Shades Darker [2017] [Unrated] (MA 4K)
Fifty Shades Of Grey (iTunes/ports 4K)
Finding Dory (iTunes/ports 4K or HD MA + 150 points)
First Purge, The [2018] (MA)
Flight [2012] (Vudu or iTunes)
Footloose [2011] (Vudu)
Fortress [2021] (Vudu or Google Play)
Frozen [2013] (iTunes/ports 4K+ 150 points)
Fury [2014] (MA + Sony points)
Game Of Thrones season 3 (iTunes)
Game Of Thrones season 4 (iTunes)
Get Out [2017] (MA)
Ghostbusters [2016] [Theatrical & Extended] (MA + Sony points)
Ghost Team One [2013] (Vudu or iTunes)
Gift, The [2015] (iTunes/ports)
Gifted [2017] (MA or Google Play/ports, iTunes option is expired)
G.I. Joe: Retaliation (iTunes 4K)
God Bless The Broken Road (Vudu or Google Play)
Gods Not Dead 2 [2016] (MA or iTunes/ports)
Gods Of Egypt (Vudu/GP HD or iTunes 4K)
Greatest Showman, The [2017] (MA or Google Play/ports)
Great Wall, The [2017] (MA)
Grey, The [2012] (MA or iTunes/ports)
Guardians Of The Galaxy Vol.2 (MA + 150 points/no iTunes option)
Guilt Trip, The [2012] (Vudu)
Hacksaw Ridge (Vudu or Google Play/iTunes option expired)
Hail, Caesar [2016] (MA or iTunes/ports)
Hansel & Gretel: Witch Hunters [Unrated] (Vudu or iTunes)
Hateful Eight, The (Vudu or Google Play)
Heat, The [2013] [Theatrical] (MA or Google Play/ports)
Hell Or High Water (Vudu or Google Play)
Hercules [2014] (iTunes 4K or Vudu HD)
Hitman's Bodyguard, The (Vudu or Google Play/iTunes option is expired)
Hobbs & Shaw [2019] (MA)
Home [2015] [DreamWorks] (MA)
Home Alone [1990] (iTunes/ports 4K or HD MA)
Homefront [2013] (MA or iTunes/ports)
Honey 2 [2011] (MA or iTunes/ports)
Hotel Transylvania 2 [2015] (MA + Sony points)
How To Train Your Dragon 2 (MA)
Hunger Games: Mockingjay Part 1, The (iTunes 4K or Google Play HD)
Hunger Games: Mockingjay Part 2, The (Vudu)
Huntsman: Winter's War, The [2016] [Extended] (iTunes/ports 4K)
I Am Wrath (Vudu)
Inside Out [2015] (iTunes/ports 4K + 150 points)
Instant Family (iTunes 4K or Vudu HD)
Internship, The [2013] (MA or Google Play/ports)
Interview, The [2014] (MA + Sony points)
Invisible Man, The [1933] (MA)
I Still Believe [2020] (iTunes 4K or Vudu/GP HD)
It Follows [2015] (Vudu)
Jackass 3 [Theatrical] (Vudu or iTunes)
Jack Reacher (Vudu)
Jack Reacher: Never Go Back (Vudu)
Jack Ryan: Shadow Recruit (iTunes 4K)
Jason Bourne [2016] (iTunes/ports 4K)
John Henry [2020] (Vudu)
John Wick (iTunes 4K)
John Wick 1 & 2 (Vudu or Google Play)
John Wick: Chapter 2 (iTunes 4K)
John Wick Chapter 3: Parabellum (iTunes 4K) or all 3 for $5
Joy [2015] (iTunes/ports 4K or HD MA)
Jumanji: Welcome To The Jungle (MA + Sony points)
Jurassic World (iTunes/ports 4K)
Jurassic World: Fallen Kingdom (MA)
Justice [2017] (MA or iTunes/ports)
Kevin Hart: What Now? (ITunes/ports)
Kick-Ass 2 [2013] (MA)
Kidnap [2017] (iTunes/ports)
Killer Elite (iTunes/ports)
Kingsman: The Golden Circle (iTunes/ports 4K or HD MA)
Kingsman: The Secret Service (iTunes/ports 4K or HD MA)
Last Knights [2015] (Vudu)
Last Vegas [2013] (MA + Sony points)
Last Witch Hunter, The [2015] (iTunes 4K or Google Play)
Leprechaun: Origins (Vudu)
Leprechaun Returns (Vudu or Google Play) or both for $3
Let's Be Cops [2014] (iTunes/ports 4K)
Life [2017] (MA + Sony points)
Life Of Pi (iTunes/ports 4K)
Lockout [2012] [Unrated] (MA + Sony points)
Logan [2017] (iTunes/ports 4K or HD MA)
Lone Survivor [2013] (iTunes/ports 4K)
Longest Ride, The (iTunes/ports 4K or HD MA)
Lorax, The [2012] (MA or iTunes/ports)
Love Actually [2003] (MA)
Love & Mercy [2015] (Vudu)
Love, Simon [2018] (MA)
Lucy [2014] (iTunes/ports 4K)
Maleficent (iTunes/ports 4K + 150 points)
Mamma Mia! Here We Go Again [2018] (MA)
Mandela: Long Walk To Freedom (Vudu)
Marauders (Vudu)
Martian, The [2015] [Theatrical] (iTunes/ports 4K)
Mary Poppins [1964] (MA + 150 points)
Mechanic: Resurrection (Vudu/GP HD or iTunes 4K)
Men In Black 3 (MA + Sony points)
MI-5 [2015] (Vudu)
Mile 22 (iTunes 4K)
Mindgamers [2017] (MA or iTunes/ports)
Minions [2015] (iTunes/ports 4K)
Miracles From Heaven (MA + Sony points)
Mission Impossible: Fallout (iTunes 4K)
Mission Impossible: Ghost Protocol (iTunes 4K)
Mission Impossible: Rogue Nation (iTunes 4K) or all 3 for $5
Miss Peregrine's Home For Peculiar Children (iTunes/ports 4K or HD MA)
Moms’ Night Out [2014] (MA)
Monuments Men, The [2014] (MA + Sony points)
Mortal Engines [2018] (MA)
Mortal Instruments: The City Of Bones, The [2014] (MA + Sony points)
Mother's Day [2016] (MA or iTunes/ports)
Mountain Between Us, The [2017] (iTunes/ports 4K or HD MA)
Mummy, The [2017] (iTunes/ports 4K)
Murder On The Orient Express [2017] (MA or Google Play/ports)
My Big Fat Greek Wedding 2 (iTunes/ports)
Neighbors [2014] (iTunes/ports)
Night At The Museum: Secret Of The Tomb (iTunes/ports 4K or HD MA)
Noah [2014] (Vudu or iTunes)
Non-Stop [2014] (MA or iTunes/ports)
Norm Of The North (Vudu or iTunes)
Now You See Me 2 (iTunes 4K or Vudu/GP HD)
Nut Job, The [2014] (MA or iTunes/ports)
Oblivion [2013] (iTunes/ports 4K)
Ouija [2014] (MA)
Overlord [2018] (Vudu)
Oz: The Great & Powerful (MA + 100 points)
Pain & Gain [2013] (Vudu or iTunes)
Paranormal Activity [2009] [Theatrical] (Vudu or iTunes)
Paranormal Activity 2 [Unrated Director's Cut] (Vudu or iTunes)
Paranormal Activity 3 [Extended] (Vudu or iTunes)
Paranormal Activity 4 [Unrated] (Vudu or iTunes)
Paranormal Activity: The Marked Ones [Theatrical] (iTunes)
Passengers [2016] (MA + Sony points)
Paul [2011] [Unrated] (iTunes/ports)
Penguins Of Madagascar (MA)
Percy Jackson: Sea Of Monsters (MA or Google Play/ports)
Pet Sematary [2019] (iTunes 4K or Vudu HD)
Philomena (Vudu)
Pitch Perfect (iTunes/ports 4K)
Pitch Perfect 3 [2017] (MA)
Planes: Fire & Rescue (MA without points)
Playing With Fire (iTunes 4K or Vudu HD)
Predator, The [2018] (MA or Google Play/ports)
Project Almanac (iTunes)
Prometheus (MA or Google Play/ports, no iTunes option)
Proud Mary [2018] (MA)
Purge: Anarchy, The (iTunes/ports 4K)
Quiet Place, A [2018] (iTunes 4K)
Ralph Breaks The Internet (MA + 150 points/no iTunes option)
Red Dawn [2012] (Vudu or Google Play)
Redemption [2013] (Vudu)
Replicas [2019] (iTunes 4K or Vudu/GP HD)
Resident Evil: The Final Chapter [2016] (MA + Sony points)
Riddick [Unrated] (MA or iTunes/ports)
Rings [2017] (Vudu)
R.I.P.D. Rest In Peace Department (iTunes/ports 4K)
Rise Of The Guardians [2011] (MA)
Risen [2016] (MA + Sony points)
Robin Hood [2018] (iTunes 4K or Vudu/GP HD)
Rock Dog (iTunes)
Rogue One: A Star Wars Story (iTunes/ports 4K + 150 points)
Roman J. Israel, Esq [2017] (MA + Sony points)
Rush [2013] (MA)
Saban's Power Rangers (iTunes 4K or Vudu/GP HD)
Safe House [2012] (MA or iTunes/ports)
Savages [2012] [Theatrical] (iTunes/ports)
Scorpion King 3: Battle For Redemption (iTunes/ports)
Secret Life Of Pets, The (MA 4K or iTunes/ports 4K)
Secret Life Of Walter Mitty, The (MA or Google Play/ports, iTunes option is expired)
Seventh Son [2015] (iTunes/ports)
Sex Tape [2014] (MA + Sony points)
Shack, The [2017] (Vudu, iTunes or Google Play)
Show Dogs [2018] (MA)
Silver Linings Playbook (Vudu or Google Play)
Sing [2016] (iTunes/ports 4K)
Sinister (Vudu, iTunes or Google Play)
Sisters [2015] [Unrated] (MA or iTunes/ports)
Skyscraper [2018] (MA)
Sleepless [2017] (iTunes/ports)
Snow White & The Huntsman [Extended] (iTunes/ports 4K)
Sparkle [2012] (MA)
Spectre [2015] (iTunes 4K or Vudu/GP HD)
Spider-Man 2 [2004] [Theatrical & Extended] (MA + Sony points)
Spider-Man: Far From Home [2019] (MA + Sony points)
Spider-Man: Homecoming [2017] (MA + Sony points)
Spider-Man: No Way Home [2021] (MA + Sony points)
Split [2017] (iTunes/ports 4K)
Spy [2015] [Unrated] (MA, iTunes or Google Play/ports)
Spy Who Dumped Me, The (Vudu/GP HD or iTunes 4K)
Star Trek [2009] (iTunes 4K)
Star Trek: Beyond (iTunes 4K)
Star Wars: The Force Awakens (iTunes/ports 4K or HD MA + 150 points)
Step Up All In [2014] (Vudu)
Step Up Revolution (Vudu or Google Play)
Sting, The [1973] (MA)
Straight Outta Compton [Unrated] (iTunes/ports 4K)
Super 8 (Vudu)
Super Buddies (MA without points)
Taken 3 [Unrated] (MA, iTunes or Google Play/ports)
Teenage Mutant Ninja Turtles [2014] (iTunes 4K or Vudu HD)
Terminator: Genisys (iTunes 4K)
Texas Chainsaw [2013] (Vudu)
The Night Before [2015] (MA + Sony points)
This Is The End [2013] (MA + Sony points)
Top Five [2014] (iTunes)
Top Gun (Vudu)
Total Recall [2012] [Theatrical & Director's Cut] (MA + Sony points)
Tower Heist [Theatrical] (iTunes/ports)
Tremors: A Cold Day In Hell (MA)
True Grit [2010] (Vudu or iTunes)
Tyler Perry's Acrimony (Vudu, iTunes or Google Play)
Tyler Perry's A Madea Family Funeral (Vudu, iTunes or Google Play)
Twilight: Breaking Dawn Part 1 (iTunes 4K)
Uncle Drew [2018] (iTunes 4K or Vudu/GP HD)
Underworld: Blood Wars (MA + Sony points)
Vendetta [2016] (Vudu)
Venom [2018] (MA + Sony points)
Walk Among The Tombstones, A (iTunes/ports)
Walking With Dinosaurs: The Movie (MA, iTunes or Google Play/ports)
War Room [2015] (MA + Sony points)
Why Him? [2016] (iTunes/ports 4K or HD MA)
Wolf Of Wall Street, The (iTunes 4K or Vudu HD)
Woman In Black, The [2012] (MA)
Wonder [2017] (Vudu/GP HD or iTunes 4K)
Wonder Park [2019] (iTunes 4K or Vudu HD)
Woodlawn [2015] (MA or iTunes/ports)
X-Men: Apocalypse (iTunes/ports 4K or HD MA)
X-Men: Days Of Future Past (iTunes/ports 4K or HD MA)
Your Highness [2011] [Unrated] (iTunes/ports)
Zootopia (MA without points)

🦝

💲2️⃣ SD

12 Rounds [2009] [Extreme Cut] (iTunes/ports)
Aliens In The Attic (iTunes/ports)
Amelia (iTunes/ports)
Beasts Of The Southern Wild (iTunes/ports)
Black Swan (iTunes/ports)
Date Night [Unrated Extended Edition] (iTunes/ports)
Dr. Seuss’ Horton Hears A Who! (ITunes/ports)
In Time [2011] (iTunes/ports)
Percy Jackson double feature [Lightning Thief & Sea of Monsters] (MA)
Ramona & Beezus (iTunes/ports)
Street Kings (iTunes/ports)
Three Stooges: The Movie, The [2012] (iTunes/ports)

🦝

$1 Codes

💲1️⃣ HD

2 Guns (MA)
Alex Cross (Vudu)
Bad Grandpa [Theatrical] (Vudu or iTunes)
Bad Moms (iTunes/ports)
Battleship [2012] (MA)
Big Hero 6 (Google Play/ports)
Book Club (Vudu)
Bourne Legacy, The (MA)
Bring It On: Worldwide Cheersmack [2017] (MA or iTunes/ports)
Deadpool (iTunes/ports 4K or HD MA/GP)
Divergent (iTunes 4K or Vudu/GP HD)
Divergent Series: Insurgent, The (iTunes 4K or Vudu/GP HD)
Duff, The [2015] (Vudu)
Dying Of The Light (Vudu)
Everest [2015] (MA)
Expendables 2, The (iTunes 4K or Vudu/GP HD)
Expendables 3, The [Theatrical] (iTunes 4K or Google Play HD)
Fast & Furious [2009] (MA)
Fast & Furious 6, The [Extended] (iTunes/ports 4K)
Fast & The Furious, The [2001] (MA)
Fast & The Furious: Tokyo Drift, The (MA)
Fast Five [Extended] (MA)
Fate Of The Furious, The [8] [Theatrical or Extended] (MA)
Fault In Our Stars, The [2014] (iTunes/ports 4K or HD MA/GP)
Frozen: Sing Along Edition (MA without points)
Furious 7 [Extended] (iTunes/ports 4K)
Ghost In The Shell [2017] (Vudu)
G.I. Joe: Retaliation (Vudu)
Girls Trip [2017] (MA)
Good Day To Die Hard, A [2012] [Extended] (MA or Google Play/ports)
Hidden Figures [2017] (iTunes/ports 4K or HD MA)
Hillsong: Let Hope Rise [2016] (MA or iTunes/ports)
Hugo (Vudu)
Hunger Games, The [2012] (iTunes 4K or Google Play HD)
Hunger Games: Catching Fire, The (iTunes 4K or Google Play HD)
Hunger Games: Mockingjay Part 1, The (Vudu)
Huntsman: Winter's War, The [2016] [Extended] (MA)
Identity Thief [2013] [Theatrical] (iTunes/ports)
I, Frankenstein (Vudu, iTunes or Google Play)
Inside Out [2015] (Google Play/ports)
Jack Ryan: Shadow Recruit (Vudu)
Jason Bourne (MA)
Kevin Hart: Let Me Explain (Vudu)
Les Misérables [2012] (MA)
Let's Be Cops [2014] (MA only/no iTunes option)
Lucy (MA)
Mission Impossible: Fallout (Vudu)
Mission Impossible: Ghost Protocol (Vudu)
Mission Impossible: Rogue Nation (Vudu) or both for $2.50
Now You See Me [Extended] (Vudu or iTunes)
Parental Guidance [2012] (MA)
Perks Of Being A Wallflower, The (Vudu or Google Play)
Pitch Perfect (MA)
Purge, The [2013] (MA)
Quiet Place, A [2018] (Vudu)
Red 2 (Vudu)
Ride Along [2014] (MA or iTunes/ports)
Ride Along 2 (MA or iTunes/ports)
RIPD Rest In Peace Department (MA)
Safe [2012] (Vudu or Google Play)
Secret Life Of Pets, The (MA)
Selma (iTunes)
Skyfall (Vudu or Google Play)
Snitch (iTunes 4K or Vudu/Google Play HD)
Star Trek: Beyond (Vudu)
Star Trek: Into Darkness (iTunes 4K)
Taken 2 (MA or Google Play/ports)
Ted [Unrated] (MA) or [Theatrical] (iTunes/ports)
Terminator: Genisys (Vudu)
Transformers: Age Of Extinction (iTunes 4K)
Transformers: Dark Of The Moon (Vudu)
Trolls [2017] (MA)
Twilight: Breaking Dawn Part 2 (iTunes 4K)
Tyler Perry's Madea's Witness Protection (iTunes)
Tyler Perry's Temptation: Confessions Of A Marriage Counselor (Vudu or Google Play)
Unbroken [2014] (MA or iTunes/ports)
Warm Bodies (Vudu)
What To Expect When You're Expecting (iTunes)
World War Z (Vudu)
Zootopia (Google Play/ports)

🦝

💲1️⃣ SD

21 Jump Street (MA + Sony points)
22 Jump Street (MA + Sony points)
Act Of Valor (iTunes)
After Earth [2013] (MA + Sony points)
Alpha [2018] (MA + Sony points)
Amazing Spider-Man 2, The [2014] (MA + Sony points)
American Hustle [2013] (MA + Sony points)
Bad Boys For Life [2020] (MA + Sony points)
Big Mommas Like Father, Like Son (iTunes/ports)
Captain Phillips (MA + Sony points)
Charlie's Angels [2019] (MA + Sony points)
Cloudy With A Chance Of Meatballs 2 [2013] (MA + Sony points)
Concussion [2015] (MA + Sony points)
Diary Of A Wimpy Kid [2010] (iTunes/ports)
Dirty 30 (Vudu)
Dog's Way Home, A [2019] (MA + Sony points)
Equalizer, The [2014] (MA + Sony points)
Equalizer 2, The (MA + Sony points)
Equalizer 3, The [2023] (MA + Sony points) PENDING
Evil Dead [2013] (MA + Sony points)
Family, The [2013] (iTunes)
Family Guy: Blue Harvest (iTunes)
Family Guy: It's A Trap (iTunes)
Forbidden Kingdom, The (iTunes)
Glee: The Concert (iTunes/ports)
Goosebumps 2 [2018] (MA + Sony points)
Grown Ups 2 (MA + Sony points)
Hangover, The [2009] [Theatrical] (iTunes/ports)
Haywire (iTunes)
Heat, The [2013] (iTunes/ports SD)
Hereafter [2010] (iTunes/ports)
Here Comes The Boom [2012] (MA + Sony points)
Hitchcock [2012] (iTunes/ports)
Hotel Transylvania 3 (MA + Sony points)
Hours [2013] (Vudu)
Ice Age: Dawn Of The Dinosaurs (iTunes/ports)
Immortals [2011] (iTunes)
Insidious: Chapter 3 (MA + Sony points)
Insidious: The Last Key (MA + Sony points)
Interview, The [2014] (MA + Sony points)
Journey To Bethlehem [2023] (MA + Sony points)
Jumanji: The Next Level (MA + Sony points)
Knight & Day (iTunes/ports)
Life As We Know It (iTunes/ports)
Looper (MA + Sony points)
Men In Black [1997] (MA)
Men In Black II [2002] (MA + Sony points)
Men In Black III [2012] (MA + Sony points)
MIB International [2019] (MA + Sony points)
Mirror Mirror [2012] (iTunes)
Mortal Instruments: The City Of Bones (MA + Sony points)
Night At The Museum: Battle Of The Smithsonian (iTunes/ports)
Once Upon A Time In Hollywood [2019] (MA + Sony points)
Olympus Has Fallen (MA + Sony points)
Orange Is The New Black season 1 (Vudu)
Overcomer [2019] (MA + Sony points)
Parker [2013] (MA + Sony points)
Passengers [2016] (MA + Sony points)
Percy Jackson & The Olympians: The Lightning Thief (iTunes/ports)
Perfect Guy, The [2015] (MA + Sony points)
Perks Of Being A Wallflower, The (iTunes SD only)
Peter Rabbit [2018] (MA + Sony points)
Pixels [2015] (MA + Sony points)
Pope's Exorcist, The [2023] (MA)
Predators [2010] (iTunes/ports)
Proud Mary [2018] (MA)
Public Enemies [2009] (iTunes/ports)
Rise Of The Planet Of The Apes (iTunes/ports)
Robin Hood [2010] [Unrated] (iTunes/ports)
Safe Haven (iTunes)
Scoob [2020] (MA)
Shallows, The [2016] (MA + 150 points)
Sicario: Day Of The Soldado (MA + Sony points)
Sparkle [2012] (MA)
Spider-Man: Far From Home [2019] (MA + Sony points)
Spider-Man: Into The Spiderverse (MA + Sony points)
Spider-Man: No Way Home [2021] (MA + Sony points)
Star, The [2017] (MA + Sony points)
Still Alice [2015] (MA + Sony points)
Taken [2009] [Extended Cut] (iTunes/ports)
Thanksgiving [2023] (MA + Sony points)
Thousand Words, A [2012] (Vudu)
Town, The [2010] (iTunes/ports) PENDING
Twilight: Breaking Dawn Part 1 (Vudu SD only or iTunes SD only)
Tyler Perry's Madea's Tough Love (Vudu)
Underworld: Awakening (MA + Sony points)
Venom (MA + Sony points)
Venom: Let There Be Carnage (MA + Sony points)
Vow, The [2012] (MA + Sony points)
Water For Elephants (iTunes/ports)
When The Bough Breaks (MA + Sony points)
X-Men: First Class (iTunes/ports)
Zombieland: Double Tap (MA + Sony points)

🦝

Super Cheap SD & HD Codes

All movies are 3 for $1 each/must spend at least $1 on total order.
Cabin In The Woods, The (Vudu SD only)
Croods, The (iTunes/ports SD)
Diary Of A Wimpy Kid: Dog Days (iTunes/ports SD)
Expendables 2, The (Vudu SD only or iTunes SD only)
Expendables 3, The [Unrated] (iTunes HD only)
Fast & Furious 6 [Extended] (MA ports HD)
Fast Five [Extended] (iTunes/ports HD)
Furious 7 [Extended] (MA ports HD)
Good Day To Die Hard, A [2012] (iTunes/ports SD)
Heat, The [2013] (iTunes/ports SD)
Hunger Games, The (Vudu SD or iTunes SD only)
Hunger Games: Catching Fire, The (Vudu HD only)
Internship, The [2013] (iTunes/ports SD)
John Wick 3 (Google Play HD only)
Jurassic World (MA ports HD)
Last Witch Hunter, The (Vudu SD only)
Life Of Pi (iTunes/ports SD)
Mechanic: Resurrection (Vudu SD only)
Now You See Me 2 (Vudu SD only)
Parental Guidance (iTunes/ports SD)
Star Trek: Into Darkness (Vudu HD only)
Star Wars: The Force Awakens (Google Play/ports HD)
Transformers: Age Of Extinction (Vudu HD only)
Twilight: Breaking Dawn Part 1 (Vudu SD only or iTunes SD only)
Twilight: Breaking Dawn Part 2 (Vudu SD only)
Warm Bodies (iTunes SD only)
submitted by mthw704 to DigitalCodeSELL [link] [comments]


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