This is a straight to the point buyers guide for people that are wondering if any of the AL ships are worth buying or not. I am here to give you an idea of what's worth, and what's not. I will rank them in descending order for convenience. Keep in mind that these are from my own opinions on the game: my word is not law. These are just my recommendations from my personal experience and a spur of the moment deal personally.

Best Pick: AL Montpelier

This is a premium version of Cleveland, the USN tier VIII CL. However, unlike the later AL premiums, AL Montpelier was unique in at least, a very minor way: She has tighter shot grouping due to a 2.15 sigma versus the standard 2.0 at the cost of slower reload at 0.5 sec slower (7 sec vs 6.5 sec). The result is overall consistent salvos, at the cost of just a little DPM that can be fixed with Adrenaline Rush and Top Grade Gunner, depending on how you build her.
Besides that, she also has un-nerfed version of radar, at a 30 sec vs 27 sec on Cleveland. That doesn't sound like a big deal, but if you run Consumable Enchantments and or Surveillance Radar Mod 1, you have a larger number that the percent based changes will take affect on. Essentially, with both the commander skill and 2nd slot upgrade, you get 39.6 sec vs 35.6 seconds on duration. So a radar build is not bad compared to Cleveland. Besides that, she doesn't have access to the catapult fighter consumable, but that is super seceded by radar and anyways so who cares.
And above all else, it is a Cleveland, which is IMO, a very competitively viable cruiser at tier VIII, with it's very small citadel, thin profile / narrow beam that leads to a lot of over-penetrations, good DPM, good concealment, and good AA. It really only lacks in the speed, gun range, and shell flight time problems, which can be remedied with skill and positioning.
As far as the commander voice acting, Rie Takahashi voices Montpelier. If you do not know who that is or do not care, and just want to know if the commander's voice is annoying or not, then be happy that she isn't overtly grating compared to some of the other commanders you can get. I find her rather composed, cool, and relaxed, fitting the trope of kuudere, if you even know what that means.
TLDR: Premium Cleveland with higher sigma, slightly lower RoF, Longer lasting radar.

Runner Up: AL Sovetsky Rossiya

This is a premium version of Sovetsky Soyuz, the VMF (Soviet Navy) Tier IX BB. Like Montpelier, she is slightly unique to her tech tree counterpart, bar being premium, by having standard battleship dispersion (USN, Royal Navy, German, etc.) instead of Russian BB dispersion formula that gets way better inside 15km. She does also have 1.8 sigma versus 1.7 sigma, for slightly tighter shot grouping. So, while Soyuz excels at mid range, Rossiya excels at long range, which does reasonably well considering the average high tier meta these days.
Other than that, you retain all the upsides of Fast action Damage Control Parties, the tough hull design of the Sovetsky Soyuz. The only other thing you DO NOT get is the AA, as she has the Hull A of Sovetsky Soyuz, and in turn has worse AA overall. In fact, she has such bad AA that only Musashi beats her out in having worse AA for Tier IX battleships. So yeah, CVs that know their targets will have free reign on you, so stick close to allies in CV matches.
Now a I'll be honest with you, Rossiya is not a super competitive BB at tier IX, so this choice is really just down to being different in few ways instead of blatant copy paste. Really, only AL Montpelier is the only super competitive option here. So above all else, Rossiya is a side grade if anything and you should not fear of having FOMO for not getting her. Besides, she's not an historical ship that is going to get removed because it was OP, so fret not (COUGH COUGH MUSASHI, COUGH COUGH ALASKA, COUGH COUGH MISSOURI).
Lastly, the commander is voiced by Manami Numakura. I can really only characterize her as cool, tough, deep voiced anime woman archetype. I dunno really how to explain it that well, so I apologize for anyone that likes her due to my poor description.
TLDR: Premium Sovetsky Soyuz Hull A with 1.8 sigma and standard battleship dispersion.
OK, with those two out of the way, I want to put a disclaimer here that the next ships are purely optional and not super worth it IMO and really only selected for being different than the rest, I.E. not something that is currently offered in other ships / premium ships already in-game.

Optional 1st Pick: AL Prinz Heinrich

This is a premium version of Prinz Heinrich, the tier VII german battlecruiser of the Ersatz Yorck class. She is a 1 for 1 copy of Prinz Heinrich: no special differences here besides premium benefits.
Now, while she is not unique in any way, she is not a bad battlecruiser for tier VII standards. This mainly comes down to the 50mm deck plating she has in a tier wrought with battleships with just 26mm of plating on their decks. Really, any tier VII battleship that has more than 27mm of plating is really competitive in this tier, simply because they don't get overmatched or full-penned by HE. It's sort of why Scharnhorst '43 is so popular and good, since she doesn't get chunked for 10k when hit by 15 in + guns (380mm guns for ya'll metric nerds).
Besides that, she's not slow as hell, going at a decent 28 knots, has 15in guns herself, has fast acting DCP, and is the first ship in the german battlecruisefast battleship line that gets that sweet improved secondary dispersion formula, which despite the 9km max range, means that she has free DPM to let the game play itself essentially. Combined with torpedoes, she can bum rush many slower and weaker battleships that the german battlecruiser line is famous for. And on top of all that, she also has hydro for better pushing to see torpedoes earlier, or push smoked up ships.
Now for some cons, the guns, while using battlecruiser dispersion have an awful 1.5 sigma, so your shot grouping is... bad. Do not be surprised if a lot of your shells in your salvo get a mind of their own. Besides that, she's on the below average end of HP for tier VII, at 56k. Also, she does have 25mm bow and stern. She does have a 30mm extended belt (colloquially known as an ice breaker), which is followed by 120mm extended belt, that protects the lower portion of the ship from overmatch bar 18in guns that she MIGHT face in the likes of Georgia, Sun Yat Sen, Musashi, and Tsurugi, and Adatara. Still, that doesn't mean she is immune from overmatch, as the odd shell can still get through her bow and stern and chunk you, so do not bet on it 100%.
Now that is for the most part, the review. However, for any true fans out there, they know that Prinz Heinrich from AL is actually a P-Class cruiser, AKA Schill in this game. Since Schill was a limited time ship that required whaling for her, and that wargaming dropped the ball and just did "Oh this ship has the same name! Here ya go!" then you know how much this kind of sucks. If you just like Prinz Heinrich, and want her as a premium, you can ignore this tidbit, but for any true fans that DO NOT have Schill, you're shit outta luck.
As far as commander goes, the voice actor, Hiyori Nitta, does a wonderful job characterizing a carefree and bubbly character. As previously mentioned, I recommend putting her on Schill if you really care about game accuracy, that is, if you even had Schill to begin with.
TLDR: Premium Prinz Heinrich copy-paste. Get it only if you really like Prinz Heinrich (the ship) which is actually pretty good for its tier, and want a premium version of it, or Prinz Heinrich as the character.

Optional 2nd Pick: AL Shimakaze

Hoo boy, this one might be controversial. This is a special ship (NOT a premium ship) of IJN DD, Shimakaze.
Shimakaze really needs no introduction. It is the old school torpedo boat that coined the phrase "Torpedo soup" or at least contributed to that phrase. It can put 3x5 23k damage, 12km Type 93 long lance torpedoes into the water. It has some of the best concealment for her tier, getting down to 5.6km surface detect, and good speed at 39 kts (42 kts when speed boost is active). It has been here since the games launch, and well, admittedly, or at least in my opinion, has seen better days.
Still, while some other DDs might have powercrept her a little, you can't mistake the fact that a well played Shimakaze can terrorize a team that lacks the tools to pin her down. Even if that is seldom the case most of the time (48% win rate on NA out of 8 million battles), the ship still has strong tools when played to it's strengths. 23k damage torpedoes are no joke... if you get hit by them at least, as they have a pretty awful average reaction time of ~9.35 sec (according to wows ship builder). Now, this can be sort of remedied with building for torpedo speed, getting torpedo tubes mod 1 and swift fish to decrease that time to ~8.5 sec, but that's still far above the average of 7.8 sec most torpedoes have in other nations. Still, if you get the right angle, devstriking a full HP battleship is not uncommon if you get a perfectly lined up shot. Thing is, it takes WAY more skill and positioning than you think it does, especially considering that most top tier players sort of know what they're doing, and that a lot of top tier ships can run hydroacoustic search these days.
Combined with the fact that she has some of the worse gun DPM of any tier X DD, and has fairly low HP for the tier, it can be fairly hard to play this ship unless you get just the best matchmaking ever. It's a real feast or famine type ship, which I would say summarizes most of the IJN Shimakaze line in general, bar maybe the mid tiers. All this really means is that Shimakaze is NOT the most competitive DD at tier X, as arguably many other nations have better torpedo boats, or better yet, opt for hybrid boats that can defend themselves fairly well, such as the Pan Euro DDs. Still, as mentioned earlier, if played to her strengths, she can be a good ship, but all I am arguing for is that she is not a meta ship, at least in my opinion.
Now, onto the whole Special Ship thing. Yes, this IS a tier X ship that can be bought for money. And YES, this is like the ARP Yamato deal, allowing noob whales to skip to tier X and forgo all the blood sweat and tears that goes into grinding to top tier. And YES, IT'S A SHIMAKAZE, THE TIER X NOOB MACHINE. I DO NOT HAVE HIGH HOPES FOR MANY AL SHIMAKAZE PLAYERS EITHER. With that out of the way, what benefit do you get for getting a special ship version of Shimakaze?
Well, to start, Special ships essentially have the premium bonus package already baked in, I.E: +50% Credits, +100% Ship XP, +100% Commander XP, +100% Free XP. On top of that, you also have a reduced repair cost compared to a standard tier X. Besides that, you can freely swap commanders onto this ship like a premium ship with no retraining required, making it a good trainer. These are the ONLY 2 reasons that make this ship more economically viable compared to Shimakaze. While the bonus package on Shimakaze can achieve 1 of these 3 effects, the other two, reduced repair cost and free commander swapping, puts this above standard Shimakaze as a result.
So, unfortunately, This is a slightly better Shimakaze. So if you REALLY like Shimakaze, and want a premium version of it, well, here it is, for a lot of goddamn money. Like $100+ expensive. Go figure ya know?
Also, the commander is voiced by Saori Hayami.
TLDR: Special Ship verison of Shimakaze. Take if you are a whale have a lot of expendable income to burn, AND really like Shimakaze (The ship), and or really like Shimakaze (the AL character).

Optional 3rd Pick: AL Yukikaze

AL Yukikaze is a similar version of the IJN DD Kagero, but with F8 torpedoes and no option for torpedo reload booster.
Now, this is the last of the semi-unique AL ships, as every other one has been copy-paste. Yukikaze at the very least is different in that she has F8 torpedoes. These differ than Kagero's choice by having less range, (8km vs 10km), higher damage (21k vs 20k), faster reload (104 sec vs 112 sec), and higher speed (76kts to 67kts) which also leads to a better reaction time of ~8.8 sec vs ~9.45 sec.
Now, does this make Yukikaze better? No, not really, as 8km is rather short range for high tier standards. It does make them almost break past ~8 sec reaction time with a full torpedo speed build, the best of any type 93 torpedo, but combined with the fact that it has no other differences in gun handling, DPM, HP, and consumables, I find this shorter ranged torpedo to be a high risk high reward setup, which already exacerbates high tier IJN DD gameplay further than it already is, being so heavily feast or famine.
I can really only recommend this ship if you really like Kagero for whatever reason and really like the 8km F8 playstyle. That and if you like the history of the ship and or like the character of the ship, voiced by Kana Yuuki, despite how annoying and self aggrandizing her character is made out to be.
TLDR: Kagero but 8km F8 torpedoes.
OK, now for the ships I really do not recommend at all for varying reasons. The reviews are going to be more brief from here on out.

Skip 1: AL Cheshire

Only get this if you really, REALLY want to get Cheshire right now. Currently, regular Cheshire is off sale, and cannot be obtained. For whatever reason you think you might need Cheshire, this is the only way to obtain her at the moment in AL form. Which more than likely means that if you want her, you are more than likely a fan of the AL character, as the ship itself is pretty bad. Kind of polarizing given that Cheshire in AL is pretty meta, and her in WoWs she's pretty solidly in D tier for competitiveness.
She is essentially a worse Albemarle, having no Spotter Plane, and garbage DPM for the tier. Really, the 9.2 in guns really only offer 59mm of pen vs 34mm, and better AP pen with overall flatter flight times, but not by much. The armor is Okayish, but trust me when you will get smacked through your bow and stern often, as you have a stepped citadel that if you get overmatched through either direction, you WILL get citadelled. While you get that 50% cit and hull repair party, it really doesn't matter that much when it happens so often, or you just get straight up dev striked. Combined with the lack of spotter plane, that 16km gun range will feel really short, especially when you are bottom tier.
You can at least be happy that the AA she has is up to par in how she is in AL, as it's best in class for her tier. Well, mostly, but her Flak Count is above average at 6+1, and combined with always having defensive fire, I recommend getting the commander skill Focus Fire Training, so you get that +1 flak cloud for 8 in total, which combined with Defensive fires flak buff, those flak bursts will do 7k a pop, Which is the equivalent to instantly destroying about 7 to 3 planes depending on the type if they run into it while DF is active.
Besides that, the commander is voiced by Shizuka Ishigami, and well, pretends to be a catgirl.
TLDR: Get this if you really really, REALLY want Cheshire and you don't have one, or because you really like the AL character.

Skip 2: AL Hornet

This is just Hornet. You can get her cheaper with a 25% discount coupon. It's also a CV, which I imagine is not everyones cup of tea.
The commander is voiced by Nozomi Yamamoto, and personally, I enjoy the happy go lucky characterization she has. This might be the ONLY reason you want to get Hornet, that or because you like the cool skin the ship has, and or the free 10 point commander.
TLDR: Get regular Hornet with 25% discount. ONLY buy this if you love AL Hornet (the character) to pieces.

Skip 3 & 4: AL Azuma and AL Agir

These two are just Agir and Azuma, coal ships, that you can get absolutely for free. They are also not really the best Tier IX cruisers anyways, as Azuma is super vulnerable to battleships, and Agir doesn't match up to the likes of other large cruisers at this tier.
That said, I can only imagine you getting these ships for the same reasons for Hornet, and that is because you are a fan of the AL characterization of these ships, as Azuma is voiced by Kiyono Yasuno, and Agir, Ayane Sakura. Or you just like the ship skins.
TLDR: Get Azuma and or Agir for free with Coal. ONLY buy this if you love AL Agir / AL Azuma (the characters).

BONUS: Commander Pack

Hahaha no. Unless you really love AL and don't mind by dropping... looks at price... 100$+ USD and getting a ton of fully voiced commanders, then go for it. The only other reason would be because you are a fresh player and need 10 point commanders for most of the nations in this game, which is really only useful if you need say concealment expert on destroyers for example, then sure, go for it if you find that to be an OK option.

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Hey guys, my family and I are expecting our 4th kid and are considering selling our Telluride and picking up a Yukon XL. We are trying to gauge the market on a private party sale. It is a 2022 SX Prestige Nightfall with every option but rear entertainment and the tow package. White exterior, black interior, 19,800mi. KBB has private party value right around $43,500. Does this sound like it is in line with current market conditions and could we list it for more?

Here are some Gym equipment deals i've found today on amazon.
I track deals everyday, if you would like to see daily updates, you can check out Doyouevensave.com. It took me 8 months to create and is now running automatically and out of my own pocket. If there's any equipment you would like me to track, please let me know. Thanks
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The Cloaks - a note by post-anthropologist and mutant biologist Yannis Yanikson.
These are an ancient people. They wear cloaks to cover up their mutations and are thereby known as the Cloaks. They are the sixth finger of the Red Hand. They are spread across the moons of Jupiter. They have their own secret language that they use in a private psychic network. Those of them that talk to outsiders are called Masks and are not considered fully a part of the community despite being vital to the Cloaks' connection to other groups.
Most Cloaks are from the nuclear wastelands on Earth. Due to survivorship bias, they are all impervious to the effects of radioactivity. As a result, they spend a lot of time scouring warzones both for technology and forms of life capable of thriving in harsh conditions. They are the stewards of the endangered and have a highly detailed compendium about flora and fauna that can survive in radioactive zones.
They do not have many political goals as a finger of the Red Hand. All they ask, through the Masks, is to be treated with respect and for support when they need it. Mutants of all shapes and colours are welcome to join the Cloaks, as long as they stick to the rules.
Mutant Biology - An overview by Yannis Yanikson
Mutants can be created by genetic enhancement or by natural selection, usually a combination of the two.
Some of them have adapted to not get cancer. Their body systems, in many cases augmented by cybernetic implants and nanotechnology, have developed to deflect alpha and beta radiation. A portion of them have the ability to regenerate destroyed and decayed cells faster than radiation can take them apart. A portion of them have lead lined in their thick skin.
They have adapted in different ways but they are ultimately effective ways.
Some can have cancer, constantly mutating, but manage to keep their body together, turning into a mass of continually transforming flesh. They are called flesh-machines. Most flesh-machines live with with less than human intelligence, but some of them can form social groups, mostly with each other and sometimes with more sentient mutants.
On Earth, there have been some of these flesh-machines plugged into cyberspace by scientists. The resulting neural conglomerate of these flesh-machines can often operate with a higher-than-average-human intelligence.

FLO reported a slight revenue increase to $1.577 billion and EPS of $0.34, with a stable full-year guidance reflecting modest growth expectations.

Key Metrics

Revenue	$1577M	2.8%
Net Income	$73M
Earnings Per Share	$0.34	3%
Cash and Cash Equivalents	$15.8M

Segment Performance

• Branded Retail (revenue - $1015M, growth - 3.5%) - Increased pricing actions, improved mix from greater branded organic product sales, and the acquisition contribution.
• Other (revenue - $561.9M, growth - 1.4%) - Pricing actions taken in the prior year and the acquisition contribution, partially offset by volume declines related to business rationalizations.

Business Highlights

• Sales increased 2.8% to a first-quarter record, $1.577 billion.
• Net income increased 3.3% to $73.0 million, primarily due to moderating input costs and price increases implemented in the prior year, partly offset by higher selling, distribution, and administrative expenses.
• Adjusted EBITDA increased 5.5% to $159.4 million, representing 10.1% of sales, a 30-basis point increase.
• Diluted EPS increased $0.01 to $0.34.
• Adjusted diluted EPS was consistent with the prior year period at $0.38.
• Grew quarterly branded retail volumes for the first time since 2020.
• Expanded margins in away-from-home and private label businesses.

Guidance

• Revenue (full year): $5091 to 5172M
• Earnings Per Share (full year): $1.20 to 1.30

Future Business Drivers: - Continued volume improvement - Expansion of savings initiatives - New business wins - Capitalizing on more favorable trends in the bread category
Expectations: FLO's reported EPS of $0.34 for Q1 2024 was below the average analyst estimate of $0.40, indicating a miss on earnings expectations. Revenue of $1.577 billion was slightly below the average estimate of $1.58 billion. Full-year EPS guidance of $1.20 to $1.30 aligns closely with the analyst consensus of $1.23, suggesting a cautious but stable outlook.

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Dear Gambling Addiction,
I love to write so I thought I would write you a letter today. It has been almost 16 years since we last met, and to be honest, I don't miss you one bit.
There was a time when you were the only thing that mattered. I would do anything for you. Lie, cheat, steal, not eat, not sleep, or anything really. When I say you were the only thing, you were. I was obsessed with you. You plagued my thoughts and made me feel things that were uncomfortable.
Prior to being introduced to you, I was a moral person. I liked helping people and I was happy. I had friends, good relationships with my family, people trusted me, I worked, and I had money to pay my bills.
When you entered my life on my 21st birthday, I was partially intrigued but mostly I was frustrated. I lost $20 in about one minute on a craps table. I wanted my $20 back because I was not clear on why I lost the money. And the game of craps did not make sense to me. I thought if I was going to gamble again, I would play slots. So much easier and all I had to do was pull a handle.
In these very early stages, I did not think about you much. I believe though that you were there in my brain maybe trying to figure out how to get me more engaged. Maybe you were there attempting to entice me with needing to win back that $20.
A few years later, I found another friend to spend my time with and their name was cocaine. Well, living in Las Vegas when one could not sleep because of the drugs, the casinos were there with bright, flashing lights and the intrigue of winning money. So I met you again, and discovered that playing video poker machines was a great way to spend my time while high.
This was the start of our relationship that lasted quite a while.
In the beginning stages of my addiction with you, I was able to have some fun and enjoyed most of the times I had with you. Over time though, you consumed my soul. I did not care whether I lived or died. I just needed to be with you and I loved only you.
Our relationship lasted 14 years in total with breaks during some of that time, but even when I was not playing, I was still thinking about you. Wondering how I could get together with you again. Money was usually the main reason why I could not connect with you, but I also found it more challenging to find places to visit you.
Honestly, over time my relationship with you became rather tedious and boring. I started to feel like I might need to separate myself from you. I did not know why I was feeling this way, but on some level I just wanted something different for myself. I was tired of lying to people about you, and I was getting frustrated with being broke all the time. There was also this emptiness that even you could not fill. Most importantly, my real relationship with my husband was beginning to suffer. I did care about him and he really became more important than you. Sometimes I felt like I cheated on him with you. I do believe that my moral compass was questioning all that I was doing with you, and it just was beginning to not feel right.
On June 24, 2008 I decided to end my relationship with you. This was a very hard thing for me to do. After all, you were the only important thing in my life and I just wanted to be with you as much as possible. But on a sleepless night in June, I was watching my husband sleep and felt this overwhelming desire to be with him and not you. I felt like I could no longer lie to him about us. These feelings were quite overwhelming too almost to the point of if I didn't tell him about us, I might go crazy. There were just so many emotions running through me, and I decided to break it off with you. When he woke up, I told him everything about us.
June 24, 2008 was the best day and the hardest day of my life! I knew that once I told my husband everything that I would need to let you go. It was definitely a hard decision to make but I could not go on living or being with you.
The first few days of not having you in my life were a whirlwind of emotions. I do not recall another time when I cried so much. As I talked to others about us, I did start to feel better. And I went to meetings where others were talking about their own relationships with something similar to ours. The details were different but similar in that all of us wanted to end our relationships.
Over the weeks and months that followed, I continued to go to meetings and was learning to live without you. I had a lot to process and many feelings to address. Fortunately I had a lot of support from family and friends, but I did have to work on regaining their trust. When you cheat, people do not easily trust again. And I had to give up my finances to my husband. That was okay because I simply did not want to see you again or be tempted by you. Without access to cash or credit cards, it was just a little bit easier to let you go.
I also found that I needed to give up some control over certain things. First it was the finances. Then I discovered letting go was also needed. I started to let go of things that I could not control, and fixing the things I could. My focus was specifically on how to rebuild after a tumultuous relationship with you.
I worked every day to learn to live without you. I learned to feel my feelings and process them instead of covering them up by playing with you. I learned how to think more productively and to make goals for myself. I learned how to manage my finances and I was slowly regaining trust from my husband and others.
The work was hard but I kept going. I just did not want you in my life any longer, and no matter how I felt or what I thought, I was not going to re-engage with you. I was working a program of recovery and very proud of each day that I did not want to be with you. There were some days I thought about you, but it ended there. Just thoughts that were quickly replaced with all the positive benefits of not having you in my life.
All these years later, I still think about you but not in the ways you would want. I just have thoughts about how wonderful my life is without you. I have no urges to see you, and nothing that I can think of would bring me back to you. I have too much to lose now.
In a way, I do thank you for being in my life. I believe I am a better person for knowing you. You taught me what a person is capable of during a relationship with you, and with that, I can help others now. Our relationship also opened my mind to the human spirit and how resilient we really are. We can overcome great obstacles and learn to live without you or others like you.

Timestamp: https://imgur.com/a/x5maJbx
Serial: https://imgur.com/a/0OH9YLX
HE507Comp-$320
As pictured, basically a catch and release for me. Had it mounted on my Langdon then decided green isn't for me and went back to my red. Lost the wrench thing, comes with two long and two short screws.
Magpul FDE AFG-2: $20
Reptilia 1.93 Micro mount: $55
Unity riser: $80
UTG Quad rail: $30
Bundles>dibs>PM's/haggles, will give this a few hours to sit and then begin honoring individual dibs calls.
All sales are final. Private message only after commenting. PayPal FF or Venmo only. NO NOTES, NO G&S! If you add a note or send G&S, I will promptly refund you minus your G&S fee and move on.
Stay classy GAFS 😎

I’m currently driving a 2011 blacked out Chevy impala LT w/ 174k miles on it for 3 yrs now bought it for $3k private FB sale @122k miles, just recently for the first time got a check engine for 2 emissions leak I believe and other things are wrong mechanically. Looking into financing this 2014 Chevy impala with 87k miles I do love the style.
What are your thoughts? I have never financed or had any loans besides the self loan for 700$.
Waiting to see what numbers they give me and they want $1900DP for it. It’s listed at $15,990 With gap insurance/ dealer fees/registration fees/ banks interest etc etc what do you think im looking at for the total loan amount. I’m guessing around 22k but is that too much for a 2014?? It’s still in question if I want to make this move,the dealer said they only do 3 yr loans and it would roughly be 530 monthly for the car note and 274 for insurance and I honestly can’t get any lower rates as I’m considered high risk from past car insurance mistakes.

About the amount of users i need (licences).... i am confused because: - we have about 9 windows machines using office and what not - but we have about 20 employee's using these mashines as well as their private smartphone and so on.
So for us as a company to use Microsoft Teams with ALL our employees in it... how many Microsoft 365 / Teams licensces/users would i need to pay for?
Can i just buy as many licenses so that all mashines have proper office desktop client support....e.g. 3 users with 3 devices each??? And i can add all the employees using their company email?
I heard there is also the problem of teams being split into two apps (personal and business).
How do i solve this? Do i really have to pay for 20 Microsoft 365 users just so that 20 people can chat with each other? Although i only need Office on 6 mashines?

https://oldhousesunder50k.com/?p=199149 Something different. Here is a tavern for sale in Iowa. Everything in the tavern photos is included except the leased gaming machines. The property also includes a one bedroom, one bath living quarters.
https://oldhousesunder50k.com/?p=199149

Hello Reddit,
I just wanted to know if I got a decent deal or not on the new car I just bought since I really don't know and the car sales people do a good job of confusing me.
I bought a brand new 2024 Mazda CX30 Select Sport. The MSRP was $26,500 plus $1,375 destination and $195 for all weather floor mats and $595 for Machine Gray Metallic paint charge bringing total MSRP to $28,660 on the window sticker.
They had an online deal listing this car at $24,589 with dealer discounts. I just had to make a print out from the website and show it to the finance manager which I did. They had a bunch of select sports with this same internet price.
When I got there I asked for an extra $500 off because their doc fee was $999 which I thought was crazy. Eventually they gave it to me but they kept wanting to talk about my monthly car payment budget.
I know you are only supposed to ask about the out the door price which I was doing but they kept confusing me and circling back to the monthly payment.
I told them I wanted to put $5,000 down and wanted a 72 month term. They said do I have financing? I said yes but didn't want to tell them who. They kept saying we need to know. I kept saying no. But they kept badgering. I eventually gave in and told them Capital One.
They said what's the rate. I said what rate you can get me first. They said we need to know. I told them 8.9% but I felt I should get something more like 7%. If they could do that I would go with Mazda financing.
They ran my credit application. They said Mazda could only do 10.36%. I was like nope. I got pre-approved at 8.9% with Cap One but I think 7% is possible. They said no way.
My credit score is 640 and I have a bankruptcy from 6 years ago. I have taken out no credit in that 6 years. They mentioned this to me. I said I still think I can get 7% (I had no idea but I was trying not to be a sucker)
Eventually they came back with 8.8% beating Cap One by 0.1% which didn't surprise me.
They kept wanting to talk about the monthly payment and I kept getting confused. They started me at 490 per month for 72 months with my 5k down. I said no way.
By the end of the negotiating I got it down to 400 even. So 90 dollars per month less. Is that okay?
My final rate it says on my contract is actually 8.45 percent.
Charges breakdown are as follows:
Cash price of motor vehicle $24,079.83. (MSRP on the sticker was $28,660 which I mentioned before)
Sales tax in Arizona: $1915.63.
Total Cash Price: $25,995.46.
Down Payment: $5,000
Other rebates: $1,000
Total Down Payment: $6,000
Unpaid Balance of Cash Price: $19,995.46
License and Registration: $507.48
Doc Fee: $999
WEST COAST ASSURANCE for Maintenance Plan: $1,000
Total Other Charges and Amounts Paid to Others on Your Behalf : $2,511.38
Total amount financed $22,506.84
I don't understand the last 2 charges. I told them I wanted no extras on my contract. No Gap. No extended warranties. No maintenance plans. Nothing. Only Tax, title, registration and doc fee. What is the "West Coast Assurance plan" and the "total other charges..."
The finance manager tried initially for $490. I said $400 from the get go. Then he tried for $450. Then at $429 with 3 years of free oil changes but I stuck to $400 and he said how about we meet in the middle at $415. I still said no and he eventually agreed to the $400.
I did not see other charges or west coast assurance when i was signing my documents. Did I get scammed?
Sorry for the long post but I wanted to give as much detail as possible. Thank you.
P.S. I bought the car on Saturday, May 11. I noticed on their website that all the Select Sports are now between $1,500 and $2,500 above the $24,079.63 that I got on their internet deal but I have those additional things added on so I don't know if I got scammed.
TLDR: Please look at the charges and let me know if I got a decent deal or I got took by the car lot. Thank you so much.

Is there a tool i can use to put in the car specs and receive a price range of what i should expect to receive as a trade-in? I got one offer from a dealer that has appraised my car in depth, but i feel like his offer is much lower, considering what my cars yeakms/model goes for online. I don't expect to receive the private sale price, but i feel that 9-10k lower than the online prices is too low for a trade-in value. Is it? This weekend i will do some leg work and get some quotes from other dealers, but before I waste time & gas, is there a tool that would give me a approximate price? Thanks

Hi everyone, wanted to share here some news on an upcoming group buy for Play Tray V2! The first offering was fairly well-received, so I decided nearly two years later another run would be viable - but I've made some changes and improvements to the design as well.
For starters, PLAY TRAY V2 is a solid aluminum trinket / screw tray for your desk, inspired by the infamous ball-on-a-track cat toy. A channel precisely machined for an included 14mm steel bearing is the answer for your desk fidgeting needs - push it in circles, bounce it around your fingers, tilt the tray to revolve the bearing, and whatever else you can figure out. The center serves as a storage compartment for various small bits and bobs, with the lid being removable as a two-in-one magnetic screw tray combination.

What's new with V2

• Design updates to be more coherent and refined: The original Play Tray had some design elements that didn't sit quite right with me; namely the sharp lines around the perimeter ("HG" chamfer) and angular profile. I've updated Play Tray V2 with softer / larger fillets, and an overall more approachable profile.
• Two-in-one compartment tray: V2 features a lid over the center compartment that friction-fits into place, hiding any stowaway screws and parts. In addition, the lid doubles as a separate magnetized mini-me tray, perfect for building keyboards with multiple screw types.
• Stackable, quality-of-life changes: In addition to the other adjustments, V2 has some QOL improvements throughout. If you have multiple trays, they now stack securely on top of each other with aligned grooves in the base. Die-cut feet from V1 have been upgraded to injection-molded filleted rubber feet. More carefully-vetted manufacturing lends itself to cleaner and more consistent machining / finishing.

Sale information

For full information, renders, and color options, feel free to check out the product page.
There are 6 color options, 3 of them allowing for an optional engraved interior featuring a newly-illustrated sleepy cat.

• Simple Silver
• Timeless Taupe
• Coast Blue
• Boring Black (Plain / Engraved)
• Laidback Lilac (Plain / Engraved)
• Soft Pink (Plain / Engraved)

US group buy pricing is $48 USD, roughly 15% below expected in-stock MSRP. The group buy will be open from May 18th to June 1st, for about two weeks (or until capacity is reached). Generous estimate for fulfillment is Q1 2025.

Also available at the following...

• JJWKB (USA)
• Deskhero (Canada)
• ILUMKB (Singapore, Asia)
• Swagkeys (Korea, Asia)
• KEYGEM (Europe)
• Prototypist (UK)
• Switchkeys (Australia / Oceania)

Thank you! For more information please check the product page. Any questions feel free to ask, or consider joining our Discord server.

Write a pitch for a product that seems morbid, but can actually happen.
I'll start.
''Introducing the Eternal Memories Gravestone, a revolutionary innovation that brings a modern touch to how we remember and honor our loved ones. This unique gravestone features a weatherproof, high-resolution screen that displays a customizable slideshow of cherished photos from the life of the deceased. Solar-powered and built with premium materials, the gravestone ensures durability and sustainability, offering a vivid and lasting tribute regardless of the weather. Our advanced encryption and security measures guarantee that all data remains private and secure, providing peace of mind to families.
With the global market for funeral services being significant and the demand for personalized memorials growing, the Eternal Memories Gravestone stands out as a unique blend of technology and tradition. By offering this innovative product through individual sales, subscription services for continuous photo updates, and partnerships with funeral homes and cemeteries, we are poised to transform how we celebrate and remember our loved ones. Invest in the Eternal Memories Gravestone and provide families with a dynamic, evolving tribute that keeps memories alive.''