Miss alaineus lesson plan

I’m 27 and got myself into a pickle in the amount of $52,000 in debt!
I was thinking of doing a consumer proposal but I’d like to actually pay back what I spent and try not have that on my public record, etc.
Below is my expenses and my plan of action, but would love some advice!
DEBTS: $25,000 CREDIT CARD AT 12.99% - RBC $26,909.00 LINE OF CREDIT AT 11.69% - RBC (fluctuates)
Yearly salary: $60,000 Monthly net pay: $3,580.00
Expenses:
Rent: $540 Cellphone: $104.94 (will be reducing this in May 2025) Car Lease: $652.16 (one vehicle household) Car Insurance: $162.50 Tenant Insurance: $15 Bank Card Fee: $15 Subscriptions: $20 General Spending: $326
TOTAL: $1,835.60
NOTE; my partner pays majority of rent, pays for all of the gas and food monthly.
DEBT REPAYMENT PLAN:
I’m currently trying to pay down my credit card first and then move onto the LOC. I’m thinking of reaching out to RBC to see if 1) they could reduce my interest to 0% as a promo since I’ve never missed a payment and consistently pay above the minimum payment, or 2) do a balance transfer to another card for 0% interest for 12 months.
I’m throwing $1,520.00/month to the credit card but the interest gets that down to about $1,200. My line of credit I’m just paying the minimum for now.
If I can do the above, I may be able to pay it off by July 2025, and I’m going to do some credit counseling courses to ensure I don’t get to this point again.
Let me know your thoughts :)

I don’t know what keeps happening with my vaginal health, I went to Planned Parenthood to see what was going on because I keep experiencing, what feels like, cuts or tears on my vulva from vaginal dryness. I can’t figure out why this keeps happening. I thought it was from having sex with my partner, but we stopped having sex to see if it would solve anything and the cuts keeps happening. There’s not really any discharge with the cuts, but I usually have white discharge before I feel the cuts appear. At planned parenthood they tested for several STDs, a yeast infection, and bacterial vaginosis but all of it came up negative. I’m at such a loss because I’m in so much pain and not even able to have sex which sucksss because I miss it. Has anyone experienced anything similar to this and have a solution?

Long story short buyer opened return and I noticed it’s my old address. eBay said to tell buyer. I told buyer correct address, AND manually changed it on eBay before they printed label.
Package still shipped to old address. I asked buyer what happened and they just said “misunderstanding” and weren’t too helpful.
eBay chat said rest assured I won’t be auto charged for refund and they will prompt buyer to cooperate.
Well today I was auto charged and case is closed with no appeal.
I don’t know anyone near old address. I’m active duty and ping around a bunch. I have no idea if item was the correct item or in good condition. It was a 150.00 item.
Out of luck lesson learned or am I missing something here?

I will be visiting Kauai with 3 other friends from 23rd-27th May. We could not get much planning done since it was impromptu. Please help with any information on the questions below.
1) Looking for recommendations on what can't be missed in Kauai.
2) We just came to know about the Na Pali coast trail. We would loooove to do that but it's understandably booked out. I saw that there are new slots available (20 each day) that are only for local residents. It seems like these slots are going to waste when I check online. We are willing to pay any local resident who can book these slots for us and join us (if they want to) since they are going to waste anyway. I do not want to take the opportunity away from local residents to do this hike but it hurts that these slots are not going to be used. Please reach out.
I highly appreciate you taking the time to read/respond

I have a question for the group. I want to hear from people who have maintained long term healthy relationships where they still feel loved and cherished past the NRE phase. I am finding that part of my apathy in getting back out there is, as I examine all my past relationships - both mono and poly - I tend to pick partners who are enthusiastic to begin but once they get comfortable, I feel like they stop being interested.
Let me clarify, I understand that maintaining the excitement of NRE is difficult and will change over time, this isn’t what I am getting at. I am talking about partners who still are curious about you and your life after that initial getting to know each other. This happens in all my romantic relationships. Whereas that curiosity never stops for me. You went on a trip? What was it like? What song are you loving right now? How did that thing at work change your perspective?
I love conversations like this, they are my favourite part of bonding, but, I find I select partners who stop asking anything after a time. I feel like I end being the “safe space” - the partner for cuddles but not exploring new sexual experiences. The partner for lazy nights at home, but not for date nights. The partner to vent to. People often say they feel comfortable and safe with me. I love that, and let me be clear - I love comfy cuddle nights and emotional support - but I also never stop wanting to try new things with long term partners but I seem to always pick people that don’t match me on this after a few years. I am active socially and have hobbies, I feel like I am always changing and growing, I want you to be comfortable but I also still want your curiosity and sometimes some excitement.
I thought poly would be a little different because of the focus on growth but the same pattern repeats. When it starts being a conscious choice to keep the relationship growing - like planning date nights - it drops off.
So, what am I missing? People who have had a long term partner who still manages to be curious about you even after the initial excitement - what were they like? What do you look for in potential partners?

Hallo all,
I’m not a big fan of overreacting, so I was a bit surprised by the criticism towards the recent change. Sure, it is a big change, but I didn’t feel it was the end of the world or something that was going to really affect the experience of using the app.
My first thought was the “opening move” feature is optional so women can choose if they want to use it or stick to the traditional Bumble philosophy and start by themselves the conversations. It is one of the reasons for using Bumble, right?
However, after a week seeing the change in action, I’m starting to think how bad this new feature is and even how it can kill my usage of Bumble. Sure, we need more time to check how it works, but right now I don’t see myself using Bumble if the new feature confirms my concerns.
Why women starting conversations was important
It is true that most women start a conversation with just a “hey” or a silly gif, so you can think the opening move is not a big deal since most of the times men have to bring a topic, question, etc. in order to start a proper conversation.
But this feature wasn’t exactly about women taking initiative for conversations. The feature was interesting for the effects and online dating dynamics that were generated. One issue with online dating for women is the number of matches and conversations they can get, which leads to not pay proper attention to the dating options, dating burnout, many conversations without follow-up, etc. If they have to initiate in order to have a conversation, they can clean more or less their match queue, focusing only on people they really want to talk to. Of course, they can choose to send a “hey” to everyone and there’s still a lot of matches that won’t get a follow-up after replying to that initial “hey”. But at the end of the day, the general feeling for women is that they could have less conversations going on than other dating apps and for men they could feel each match was a bit more valuable than the average dating app.
The only dating app I have ever used beside Bumble is Tinder, which was my only dating app for some time. While these apps still have plenty of things to complain about, Bumble gave me at least the feeling that it was working significantly better. On Tinder I had more matches, but the conversations on Bumble were usually more interesting and I usually found myself more exciting to go on a date with someone from Bumble.
I don’t have the exact data for the number of matches, but since I installed Bumble, I was equally active on Tinder, getting 2x matches. Despite this, the ratio for my dates I went during this period was 65%Bumble-35%Tinder.
Finally, this detail might sound silly. I know openings by women are usually “hey”, but for men, Bumble notifications always have some dopamine attached due to women starting a chat, an event that only occurs in a very small percentage of matches in other apps. Yes, online dating apps suck most of the time. Nonetheless, Bumble could give you some seconds of feeling rewarded for building a nice profile.
What will happen now?
The update needs some time to make a proper evaluation. So far, we can only speculate. After thinking about what made Bumble special over other apps, I feel losing its particular feature will make the experience worse. At the beginning, I thought it wasn’t that bad: not all profiles will have the “opening move” activated or even the new feature is okay because it will give us an idea to start a conversation.
The issue is when we look at the big picture: now women on Bumble can get more easily overwhelmed by the number of messages they receive, increasing the dating burnout. Hinge seems to be doing well thanks to its aggressive politics towards reducing the number of matches and chats you can have. Bumble might have a problem with the number of matches and likes for women but at least it was doing fine regarding the number of conversations opened.
The new feature will generate more chats but looking at the online dating landscape, this usually results in a worse experience for both men and women. Reducing the number of matches and make each match more meaningful should be the goal and right now Bumble is going on the opposite direction.
Bumble is losing users and they don’t know what to do
As many other online services, they were happily seeing how each year the userbase was growing exponentially until suddenly your annual growth is not as big anymore. There is no infinite growing but stake holders cannot understand it. We have seeing already so many stupid decisions by rich companies like Netflix or Microsoft and the match group is not an exception. I also feel like dating apps have peaked in terms of userbase. Then, the apps are trying to make changes to get more users or improve the engagement, while also trying to be even more profitable. The changes seem to increase the engagement for the users and the premium plans are more expensive than ever. So far it looks good for them, until the userbase starts to decrease.
It seems one of the reasons for this new feature is to please user complains. Women said they didn’t know what to do to start a conversation or that they just really do not want to do it. Men also complained that it was impossible to get someone else’s attention and some matches get lost without having a chance to try. One important lesson for design (and it doesn’t matter the field) is that even when the customer complaints, they really don’t know what they want or what is good for them. The “opening move” feature is a great example of this. I don’t think people overreacting to the change and deleting the app will make a big impact, but the new Bumble seems to be more prone for online dating burnout and the users will be deleting the app gradually.
Also, why not implement the “opening move” the other way around (for straight men profiles so women can start a conversation without that allegedly tedious feeling of thinking what to say)? Or why not limit the number of opening moves received/sent to make the matches more valuable? They could have implemented many ideas to escape the “wow this is just Tinder now” critique, but it seems they didn’t even try to keep the Bumble initial identity.
Getting even more subjective, I would like to give my advice regarding the use of the “opening move” feature. For me, it is not a great sign to see a profile with this option activated. If I’m having conversations with different people and I see one profile with this option, this potential date looks less interesting. I know that I don’t speak for all men, and I know women have also plenty of things to complain regarding the dating world, but the lack of initiative by most women is something that turns me off. On the other hand, women starting a conversation, proposing a date, making a plan, opening a conversation with something more than just a “hey”, etc. can make a lot of men really interested. Of course, there are so many things to consider and it is never easy to know why sometimes you are attracted to some people more than others.
My point is that at least Bumble opened a door to see something a bit different in the dating world. As a man, it was interesting to see women starting a chat. It does not happen often but sometimes you get someone starting a conversation with something funny or interesting. These kinds of things also give you the opportunity to decide if you wanted to be more interested or not in the match you were chatting with. If I’m texting with two matches and one of them does not have “opening move” and she started a conversation asking me something she liked about my profile, while the other match the conversation started because of me… Probably I will be more interested on the first woman.

Is it just me lol or are these pain point for you as well? If not, disregard 😉. If you can't share in or comprehend it takes less energy to simply keep it going .. why people hide behind anonymity and want to be confrontational is hilarious and contradicts whatever point they call themselves making....
(A) Rooms with more than one 🚪 door... If I could build a cement 🧱 wall on the 2nd door I'd do it 😬🫠.
Without fail, it's always a few who will go out the other way and it's irritating 😆😅. Even with a sign " Other Door" ..." Exit Only " they will yank and pull at the door, oddly missing the other door that is W I D E O P E N....as I await for them to enter lol. Too funny.
(B) Students who don't have a sense of time....Transition time is just that. Not for me to write a pass so you can socialize 😀 time management, let's start early. I even announce, they just sit, and then rush and scramble when they hear the bell 😅😂
They wait until the bell rings to start collecting their things. The last ~ 2-3 minutes you should be wrapping up, saving your work, preparing yourself to exit to get to your next destination on time🙃
(C) Rooms with bad 💡lighting. Excessive fluorescent lights in a confinded space. So glad we were able to modify rooms to have natural light and LESS lighting..my goodness I can't sit in a room for long with bad lighting. 😳😩
*I didn't see a general discussion flair, I wasn't seeking advice/classroom management strategies. I just wanted to share somethings I find interesting 😄
u/Floopydoopypoopy - a post I made ..... that you voluntarily acknowledged..
u/Adamliem895 - not really..... unless you have a reading comprehension deficiency.
u/philosophyofblonde - ... you're asking. Must be telling. 🫤
u/BaseTensMachines - a doctor a well. The crisis is the lack of competency and low I/Eq exhibited by the masses....
u/ponyboycurtis1980 - emojis are expressive language, calling kids brats is telling of "you" .... A decent lesson plan shouldn't run up to the minute..🫠.
u/pile_o_puppies - nope. Reddit circa 1999.

I've played the long dark before but only on pilgrim, while i loved it, the amount of loot and toned down challenge i personally find a bit boring, so i stopped playing. having come back to playing I've been trying interloper instead and oh my its so much fun having all the odds stacked against you.
I've set myself the challenge of trying to reach 500 days in it, if that's possible? haha
I'm currently on run 30~ with most of my runs lasting less than a day (cant find matches or spawn in a spot that i don't know at a cold time of day)
However a few runs recently I've managed to get up on my feet and last a week or more, with my longest being 26 days as of recent (before dying of intestinal parasites and being stuck in a blizzard with no wood)
I'd like to share some of my learned lessons and get some feedback on improvements i could make to last longer.
My main start is making a plan once i spawn which goes something like:

• Identify where the nearest indoor shelter is (pref. where you've found matches prior or just wherever is closest)
  
• Collect all sticks on the way
  
• Collect a few mushrooms or rosehips to make teas
  
• Very minor detours to rabbit spawns, killing all rabbits i find
  
• Picking cattails from the waters edge for tinder and food
  
• Once inside i search for loot, if my warmth isn't maxed before i need to go the next location i sleep for an hour or gut the meat from rabbits to fill it back up
  
• I just hop from building to building normally heading inland (mystery lake trappers cabin as my main base) if I'm far out or i go to to Milton in Mountain town (good for Hacksaw/hammer) if I'm close to Mystery Lake
  
• Matches > Hacksaw > Hammer are the main items i go for in order, Hacksaw to cut down saplings for bow ASAP and Hammer so i can forge tools and arrows heads (in Forlorn Muskeg normally)
  
• I try to skin every dead deer i see on the way if I'm able to.
  

As for little tips I've learned that might help others are:

• I chop rabbit meat into 1kg Chunks and deer meat into 0.5kg as they both take 30mins to cook in which time i can craft for 0.5 hours at the bench next to the fire in trappers or skin/gut rabbits
  
• If i have to start a fire i normally do it in the morning so i can take a hot tea, and relay torches to future fires i might need during the day
  
• 1-2 pieces of coal on a campfire can keep you warm outside while you harvest animals or in a blizzard (life saver)
  
• dropping a lit torch and aiming a rock at a wolf causes them to charge and then flee, also aiming or hitting a feeding wolf will scare them away
  
• I always try to make journeys between midday and midnight for best warmth
  
• Always look under shelves and in tight spaces with a lot of crouching as in interloper stuff seems to be pretty sneakily hidden
  

Currently im in Trappers Cabin on Mystery Lake (day 7), waiting for all saplings to cure and hides for clothing, Im pushing deer into wolves and scaring them away inorder to stock up on food at the moment, to last until everything is cured. Then my next plan of action is to Kill 2 bears (for a coat) and a moose (for satchel) so i can start curing those, before i head out to Ash Canyon for the Backpack/Crampons (never made this journey on Interloper!)
Any advice on direction or better plans to help me in the long run or places i should visit would be greatly appreciated.
Some questions I have is:

• When to make animal clothing and how long each day to spend doing it?
  
• Should i stay put right now? given i have means to survive and plenty of matches (50~)
  
• Should i kill wolves to make a wolf coat to go with my bear one?
  
• Are there tasks i shouldn't waste my time doing?
  
• Safest way to kill a Bear?
  
• Safest way to kill a moose?
  
• Should i visit Airfield or Blackrock (glimmeTimberwolves) or avoid those zones?
  
• Should i summit Timberwolf Mountain?
  
• How to deal with Timberwolves
  
• Are snares or Fishing snares worth it? if so, when?
  

Sorry if this post is a little long winded or I'm asking too much :)
Cheers!

So my party was doing the 'rescue emil' mission after finding the werewolf den. The party consists of a Paladin, a Wizard, and two RangeRogues PCS, as well as Emil's Mate and Arabelle (13 yrs old in the campaign), who was not only the party ally, but also a recently turned werewolf thanks to Emil's mate. So Werabelle, Zuleika, and the party sneak in, find the werewolf being held with some random woman npc i put in there. It was supposed to be a bit of a 'chose one' and they had to pick between saving the werewolf and the human, but they came up with a good solution so I let them save both. They also found one of the rogue's missing brother who strahd has been torturing. He's basically been feebleminded so he can't even walk. So we're feeling a bit NPC heavy so I start directing them towards the exit in the crypt to get them out of here.
Here's where it gets crazy. Strahd starts chasing them Jason style, really laying it on thick he's toying with them, and they land in the braizer room. Now a quick note. I don't know if you've all read the mandymod post for it, but mandy suggests making the braizer teleport outside of the castle to make it more interesting, which i though, hey sounds good.
The group assumes that it does teleport inside the castle and accidentally end up on the doorstep to the amber temple with no way back.
So to summarize, we have the party, a basically coma-ed brother, a newly made Werabelle, Zuleika, Emil, (Both of whom are pissed they are now miles from their den minutes before a planned coup, and some random woman. They have no food, no horses, and no winter clothes, and only one ring of cold res between them. They have never been to the temple before.
Obviously this rules, and I was wondering if anyone had any ideas on fun stuff for werewolves to do in the amber temple.

Hey all, I made a post about this a couple of days ago, and I just realized that the body of text didn't post correctly for some reason, hence the lack of responses haha.
It was a long post and I'll be happy to fill in the details or answer any questions, but the TLDR is that a friend gave me this APC Back-UPS 450 because the battery was dead. I'm wondering if, rather than replacing the stock 12V 5Ah battery, if I can instead use a 12V 35Ah battery. I'm just getting into electronics, so I don't have a ton of experience or knowledge. But I have a 3D printer and lots of electronic parts, and I intend to print a new case for the UPS's electronic components, complete with heatsinks, cooling fans, and adequate venting in order to mitigate any issues that may arise from the extended runtime that will be incurred, beyond the runtime for which the unit was designed.
Will this be enough to address all of the potential issues, or are there other considerations that I'm missing? Will the charger still perform as expected with this larger battery, etc.? Thank you very much for any advice! I'll refrain from adding all the bells & whistles to this post so that the text body hopefully posts this time, but here is the link to my unit: https://www.apc.com/us/en/product/BN450M/apc-backups-450va-120v-6-nema-outlets-2-surge-battery-is-not-user-replaceable/
And the batteries are lead-acid batteries that are common to these "disposable" UPS units. Here is the larger one that I plan on using, and the original stock replacement battery is just a smaller 5Ah version of this one: https://www.amazon.com/dp/B00K8E0WAG?psc=1&ref=ppx_yo2ov_dt_b_product_details

Weeks after winning a school board seat in her deeply red Texas county, Courtney Gore immersed herself in the district’s curriculum, spending her nights and weekends poring over hundreds of pages of lesson plans that she had fanned out on the coffee table in her living room and even across her bed. She was searching for evidence of the sweeping national movement she had warned on the campaign trail was indoctrinating schoolchildren.

[INTRO]
[Camera fades in showing Danny Gonzalez sitting at his desk, wearing his signature beanie and glasses. Upbeat music plays in the background.]
Danny: What's crackin', Greg? It's your favorite trio of internet goofballs back with another collab that's gonna make you question reality more than a cat in front of a mirror!
[CUT TO: Title Card - "The Ultimate YouTube Collab: Unraveling Internet Shenanigans"]
[TRANSITION TO: Danny sitting at his desk with images of Drew Gooden and Kurtis Conner behind him.]
Danny: Today, we're joined by the dynamic duo of comedy, Drew Gooden and Kurtis Conner, as we embark on a journey through the weirdest, wildest, and wackiest mysteries the internet has to offer. So, strap in and get ready for some serious LOLs!
[CUT TO: Danny, Drew, and Kurtis sitting together, looking pumped]
Danny: Let's kick things off with the Mandela Effect – the phenomenon where people collectively misremember stuff like it's a group project they all failed. I mean, seriously, who knew so many people would think Nelson Mandela kicked the bucket in prison? It's like we're living in a parallel universe where history is just one big game of telephone!
[CUT TO: Drew scratching his head]
Drew: And what's the deal with the Berenstain Bears? I could've sworn those lovable bears spelled their name with an "e," but apparently, we've been living in a world where spelling bees don't exist.
[CUT TO: Kurtis looking bewildered]
Kurtis: And don't even get me started on conspiracy theories! From flat Earth to reptilian overlords, it's like the internet took a wrong turn at Albuquerque and ended up in Crazytown.
[CUT TO: Danny nodding in agreement]
Danny: Speaking of Crazytown, urban legends are like the creepy uncle of the internet. I mean, who hasn't heard about Slender Man or the cursed videotape from "The Ring"? It's enough to make you wanna unplug your Wi-Fi and move to a cabin in the woods.
[CUT TO: Dramatic zoom on all three of them]
Danny, Drew, and Kurtis (in unison): Dun dun dun!
[CUT TO: Danny scratching his head]
Danny: But wait, there's more! Let's not forget about cryptids – you know, those mythical creatures that people claim to have seen but probably just spotted after a few too many cups of coffee.
[CUT TO: Drew looking intrigued]
Drew: Yeah, like the Loch Ness Monster or Bigfoot. I mean, who's really out here believing in giant aquatic dinosaurs or furry forest giants?
[CUT TO: Kurtis looking skeptical]
Kurtis: And let's not even get started on haunted places! From abandoned asylums to ghost ships, it's like the world is just one big episode of "Ghost Adventures."
[CUT TO: Danny laughing]
Danny: Alright, Greg, buckle up because we're just getting started! We're diving deep into the weird, the wild, and the downright wacky world of internet mysteries, and trust me, you won't wanna miss a second of it!
[CONTINUE WITH VARIOUS SEGMENTS, EACH HOST DISCUSSING DIFFERENT INTERNET MYSTERIES, JOKES, AND ANECDOTES. IMPROVISE FROM HERE.]
[CONCLUDE WITH THE HOSTS SUMMING UP THE LESSONS LEARNED AND ENCOURAGING VIEWERS TO SUBSCRIBE AND JOIN THE FUN]
[OUTRO]
[Camera fades out as Danny, Drew, and Kurtis wave goodbye, with the music fading out in the background.]

I'm struggling to finish all of the prescribed sessions due to life things (namely school). I miss usually 1 shorty per week, always completing my long sessions. Training for a 70.3 that I just hope to finish safely, not looking for specific times. How much of a plan do you finish?

This post has the potential to be a bit long, so please bear with me...
A question I often ask myself is "are there financial planners for people like me who don't have a ton of money and often barely make ends meet?" So now, I guess I'm asking this sub. I don't know where to turn at this point in my life, which has been riddled with terrible financial decisions, bad luck, and family health issues.
About me: 39, male, USA. I work full-time for a health care company in Pennsylvania, making right around $88K yearly before taxes and deductions. My wife is unable to work due to a variety of health issues (both mental and physical), but does have a small Etsy shop that brings in an average of $300 on a good month. We have an unusually large family by today's standards -- 7 children ranging from 6 years old (twins) to 17. This is the part where people usually look at me like I have three heads, understandably so. Before my wife's health issues, she was a paramedic and in nursing school. So the plan was to eventually have two incomes once the kids were a bit older, but life didn't turn out that way. And before anyone asks, yes, we are done with having kids. I love them all more than life itself and would never imagine a world without them, but I am smart enough now to know that it would not have been this hard with fewer kids.
It's been very hard (nay, impossible) to get by on one income and a large family, even with some help from relatives along the way. But through it all, we have barely made it work, although I have shot my credit to hell and back in the process. My score hovers around 550 to 570 most of the time, but plummets pretty fast if I miss a payment on something.
Right now, high interest debt is my main issue. I have a variety of low-limit credit cards all maxed out (probably $5k total) a personal loan from OneMain Financial ($400 payment), an auto loan from Carvana/BridgeCrest ($508 payment, worst mistake of my life honestly but was in a desperate situation at the time), and student loans I've had to either defer or flat out stop paying. Other high expenses are groceries, obviously, but I do get $600 in SNAP benefits each month, car insurance at $250 per month because my wife has gotten into a few accidents the last 5 years, and of course rent, which is $1,900 since we need a 5-bedroom house for our large family. We used to own our home but were forced to sell in 2022 due to a variety of issues and our dire need to find a larger place to live for our growing kids.
Suffice to say, most months we either barely make ends meet, or don't at all. I sometimes have to rely on cash advance apps like MoneyLion and Earnin just to make it to the next payday. I have pretty much nothing in savings except for a very small "retirement" account, which is in quotes because I contribute 1% to it just to get my company match. I drained it a few years ago during an emergency that is too long of a story to tell here.
Everyone that I have talked to has said the same essential thing -- to look for a higher-paying job. While this is true, it's more complicated than that in reality. My current job (which I have been at for 1.5 years) affords me the flexibility to work from home most days, and understands that I need to care for my wife (who has substantial mental health issues) and kids and not be "on" 100% of the time. That is often more valuable than a higher salary, but I do know that I am capable and skilled enough in my field to eventually take a shot at a higher paying job.
So. What the heck do I do? Is there someone I can talk to about all this, who can give me real, practical advice? Would a credit union be able to help me with my high-interest debt yet terrible credit score/profile? Ideally, I would love to be able to consolidate all my debt into something more manageable. Is that even a possibility with my credit being bad? I get mail offers all the time saying I am "pre-selected" or pre-approved for a consolidation loan from some random company. I think these are all debt relief companies or possibly a scam, right? I am also severely underwater with our current vehicle as mentioned above. I owe probably 8k more than what it's worth right now, and the van is pretty much a lemon with how many problems it has.
Thank you for reading all this. I am a fairly positive person (I have to be, with the kids and taking care of my wife) but this feels pretty hopeless to me right now. I just wish I could hand over everything to someone who can manage my finances for me, and do the heavy lifting to get things under control. Sigh.

I am taking my Series 65 test May 20th. I used Passmasters, Brian Lee Test Geek, Series 7 Guru videos, and Kaplan Q Bank. I consistently make 70-80% on section exams and have made upper 60s on 2 simulated exams. I took a Mastery exam and made a 64%, but when reviewing saw I really missed several questions from missing "except" or other small words in questions. I plan on taking the Kaplan practice exam too. I have heard Kaplan mastery and practice are harder than the actual exam. Any thoughts?

Alright so myself (31M) and this woman (29F) met and became friends back in October. We hit it off pretty much instantly and became pretty intimate, started talking about what our future looked like and talked about a relationship, etc.
Things were going amazingly until about February where she blindsided me about never wanting a relationship despite our amazing connection. A bit surprising considering she'd bring up relationship talk all the time and we agreed that there was something special here. Anyway, we talked a bit about it, I was shocked but what can you do? Asked her if she wanted me to go no contact, or significantly less, whatever made her feel comfortable and she said 'to be honest I'm fine doing 100% of what we were already doing minus the flirty/sexual stuff.' So talking, hanging out, gaming, general closeness were all good to go I guess. Maybe a bit stupid of me, but I figured fuck it why not, I genuinely liked her as a person so I'll carry on as her friend and if feelings get in the way I can pull back if I need to until they fade.
Then maybe a month or so later, after I trying to plan a day out, she says we probably shouldn't hang out anymore. Again, I respect her wishes, despite being a bit shocked by them. We'd hung out twice since becoming platonic and it was totally normal and friendly. I hadn't been weirdly calling them dates or trying to do anything shady either. But ok, no more hanging out I guess. Then a few weeks after that she says that she can't always keep up with the texting. Shocked again since she always replied back within minutes.
I finally started asking what was up about all these new boundaries, I was respecting them but what caused them? She said she was fine with staying friends like we always were so why was I made to feel like I was crossing a line behaving like usual? She'd keep saying it was to 'save the friendship' and 'our dynamic has to change' but never said why. What are we even saving exactly?
Over time it began to really bring me down, I was losing someone I considered a great friend and it wasn't mutual drifting apart. It was clearly being forced and I didn't even get a good reason for it to be happening. I asked to call her about things, but that had to be a big argument too because calling was a bit too close to breaking a boundary. I said that it was fair to meet me halfway on some things because I'd given up so much of the friendship already. But no, now she needed space.
We didn't talk for 5 days and then when we started talking again it was clear her heart wasn't in it. I still wanted to talk, even if the friendship was randomly dead I wanted to go out on good terms so we could remember each other positively. I didn't even bother asking though because I was afraid I'd piss her off again. Despite that, me just talking to her normally was too much and we've been no contact since the beginning of April.
I've had a letter written up for a while now about how despite everything I still care for her very much and hope we can air things out one day. Mostly wrote it just to get my thoughts out but I might send it out a few months down the line because fuck it.
I'm honestly not even mad at her, even if I should be through all the disrespect to my own feelings. So I guess I'm asking if anyone has been through something similar? I have essentially no hope she'll ever reply or understand how much she's hurt me for no reason. The world is harsh enough as is, I cannot fathom shitting all over a perfectly good friendship. I've obviously glossed over a lot here but we were incredibly close, constantly grateful for coming into each other's lives, very appreciative and supportive. It all just seems so sad to me honestly and I miss the friend I thought I had in her.

I have been married for almost 12 yrs and try to cope with my wifes past. She has been with 9 other men and had a baby and a short lived marriage due to the unexpected pregnancy. I ended up adopting this child and have treated him as my own, he is 15 yrs old now.. RJ has been in and out of my head for the 14 yr relationship. I never wanted to address it and went about my business but it still lingers. Am I crazy that I can't seem to stop punishing myself with these thoughts? Sitting here alone at work .. and my mind only thinks of her having these experiences and we did end up also having a daughter who is now 12 yrs old who I love with all my heart. It's tough to deal with... I wish I wasn't this way but part of me wishes I didn't get involved. My past two long term relationships the girls were much less experienced one being a virgin and the other with only 2 others. I'm sure this is more about me being insecure but feel like it effects me and really brings me down. My wife and I were together in the past and I didn't want to settle down .. she travel abroad to teach and during this time is when this all happened ... I was watching over my sick mother and maybe in some way I am also upset that I missed out on life and it is all tied in together ... I'm 43 now and feel stuck in a way and wish I could walk away without destroying my family. . I'm having a hard time... is this God's plan for me? I do love my wife... but this isn't how I pictured it .. she is my best friend but when my mom died I was in such bad state and didn't want to be so alone .. I got married to her right away. We have had a long on andnoff relationship through out our youth and it felt right but this "RJ" is ruining my peace. I have worked hard, and tried to do right. Yet I feel inadequate due to my pesturing thoughts. Sometimes I wonder if there is someone else out there meant for me.. a true soulmate... or is she my soulmate? And this is just life...she takes good care of me and is a good wife. Sorry guys this is just a venting session cause I needed an outlet.

Hello all,
I received my Bachelors but have decided to go to Medical School. I'm missing about 6 classes to be able to apply to medical school- I was already planning on enrolling for my remaining pre-requisite courses at a local community college in a sort of DIY Post-Bac.
The college itself has me enrolled in their Associates for Biology/Pre-professional, since the courses I plan to take will fulfil that, but I read some conflicting information- TA will pay for pre-requisite courses for MasteDoctoral programs, if the school sends information as to why those extra courses are added onto the degree plan, however they do not pay for a lower level of education than what one already has.
Would I be able to use TA for this? Anyone have experience in doing so?

I am a small operation looking to get into an RMM. I have read plenty of posts on here so just looking for technical advice on a small RMM operation of between 5 and 25 machines.
I am looking at pricing models that meet my needs. I don't really need patching and automation much and my biggest concern really is basic monitoring and remote connection. I will probably work my way into the other features but the are not critical now because I am such a small operation.
Looking at Datto (TT), Kasey VSX (TT) , Nsight - bundle, and Ninja and I have trialed all of them except Datto.
Ninja - Remote connection was better than expected using NinjaRemote. Interface was responsive but patches failed and didnt like the main view. It was also pretty expensive in the end. Also had to reboot a machine and it never showed it come back online.
Nsight - I like the bundle option with 100 devices, Ticket manager, and TakeControl +. TakeControl is "OK" for the remote connection, a little slow and buggy but works. Tickets I don't care too much about so what they have would work fine and might be nice for some documentation or something. I like the interface enough and I did like then North Pane (I think that is what it is called) gives me quick view of all the stuff.
Kaseya 9 - seemed like a mature product and didn't do much with it. A couple of remote options that seemed to work "OK" once I got them dialed in
Datto - Have not tried them yet.
I plan to use TechsTogether if I do Datto or Kaseya so I wont have to deal with the company / pricing issues. It seems that ALL of the RMM's have some bugs, missing features etc, even Ninja, which gets such glowing reports on here. Pricing and basic features are the biggest issue for me. N-Sight and TT have the best pricing for me so I can grow a bit if I need.
Just looking for some last minute advice and any users personal experience if you are like me and just need some basic monitoring features and remote connections.