Burlington coat factory credit check for employment

Burlington, Vermont

2010.02.11 22:37 Burlington, Vermont

Everything Burlington, Vermont.
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2012.01.02 17:31 groceryalerts Personal Finance For Canadians

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2021.09.27 08:50 juanito0787 BurlingtonCoatFactory

/BurlingtonCoatFactory is a place for Burlington employees to discuss everything to do with Burlington, whether it be questions about operations or to just vent about your managers or fellow employees. It is also for people wanting to work here to get a better idea by asking or getting tips. Anyone is welcome to post here including former employees and customers. (This is not an OFFICIAL BurlingtonCoatFactory account).
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2024.05.16 16:46 thatasianketoguy Should You Feel Ashamed as an OnlyFans Chatter? Is It the Sex Work or the Potential for Fraud That Raises Concerns?

Should You Feel Ashamed as an OnlyFans Chatter? Is It the Sex Work or the Potential for Fraud That Raises Concerns?

Technology Behind Sex Work

Should You Feel Ashamed as an OnlyFans Chatter? Is It the Sex Work or the Potential for Fraud That Raises Concerns?

It’s complicated

https://preview.redd.it/padxsltlws0d1.jpg?width=6720&format=pjpg&auto=webp&s=3457cf3f3833f5787ed65aa37d88c49e24fac668
Photo by RDNE Stock project:
Years ago, in the early days of online chat, I found myself caught up in a web of deception. This happened many moons ago, every day at 8 a.m. Manila time, which was 8 p.m. Eastern Time, I would wait until Russell went online. He was from New York and a fireman.
And he always did, right on the dot.
There were no apps then, all we had was Yahoo Messenger.
I’m not proud of what I did — it just happened. It was supposed to be a one-time chat, but instead, it went on for months, until I had to come clean and tell him the truth: that I wasn’t the woman in the photo I sent him.
I didn’t even know there was a word for it back then — catfishing.
Of course, when the truth was out, and when I never heard from him again, even if there was never money involved, which means I didn’t defraud him in exchange for sex work — I remember not only feeling hurt for a long time.
I felt awful for what I did — I lied and pretended to be someone else.

OnlyFans Chatter

The Truth About OnlyFans
These days catfishing has taken a new direction, and it is pervasive in the world of online sex work, with the popularity of OnlyFans it gave birth to an army of impersonators known as “chatters.”
It isn't easy to make money online, especially from writing. Anyone who promises you can make X amount if you buy their writing course is selling you not only lies but snake oil, and there’s a word for it — scam.
But I’m not here to preach, I’m here to understand.
I was surprised that my story on sugar dating, and sex work started to have readers. Are people interested in what goes on behind sugar dating apps, with sugar daddies, or mommies? Or is it because sex work, while it remains taboo, is a topic we all like to explore behind the dark walls of our privacy?
Online sex work had exploded.
We hear a lot of success stories, horrid tales, and even crimes that happen in the industry.
A booming industry in countries like the Philippines is an online work that nobody really talks about. If you happen to find yourself enticed to become an OnlyFans chatter, think again. Not only have you entered the rabbit hole of sex work, but you have essentially become a fraudster and in the Philippines, both are considered crimes.
OnlyFans models, many of whom started creating content to survive during the pandemic, soon discovered that there is so much money out there, and as always money brings out the worst in all of us.
To make more money as an OnlyFans model, you need more subscribers or to convince your existing fans to buy more content. While an OnlyFans subscription is only the beginning, the sky is the limit as to how much an OnlyFans model can make — and there lies the gray area of OnlyFans.
To scale their businesses, these models started hiring OnlyFans chatters, people willing to work for pittance in the hope they could make sales that would mean higher commissions from the models.
And what do they sell?
The OnlyFans model’s exclusive content, which can be as basic as a sex video or a special fetish request from a paying subscriber. As an OnlyFans chatter, you pretend to be the model, you become her even if you are a male chatter.
On the other side of the chat, the victim doesn't know he isn't talking to the OnlyFans model but worse to someone who is thousands of miles away, hired as a chatter from a poor country like the Philippines.
Worse still, the poor male fan doesn't know he could even be talking to another man pretending to be a woman.

The insidious economy of scale

Technology Behind Sex Work

Should You Feel Ashamed as an OnlyFans Chatter? Is It the Sex Work or the Potential for Fraud That Raises Concerns?

It’s complicated

Photo by RDNE Stock project:
Years ago, in the early days of online chat, I found myself caught up in a web of deception. This happened many moons ago, every day at 8 a.m. Manila time, which was 8 p.m. Eastern Time, I would wait until Russell went online. He was from New York and a fireman.
And he always did, right on the dot.
There were no apps then, all we had was Yahoo Messenger.
I’m not proud of what I did — it just happened. It was supposed to be a one-time chat, but instead, it went on for months, until I had to come clean and tell him the truth: that I wasn’t the woman in the photo I sent him.
I didn’t even know there was a word for it back then — catfishing.
Of course, when the truth was out, and when I never heard from him again, even if there was never money involved, which means I didn’t defraud him in exchange for sex work — I remember not only feeling hurt for a long time.
I felt awful for what I did — I lied and pretended to be someone else.

OnlyFans Chatter

The Truth About OnlyFans
These days catfishing has taken a new direction, and it is pervasive in the world of online sex work, with the popularity of OnlyFans it gave birth to an army of impersonators known as “chatters.”
It isn't easy to make money online, especially from writing. Anyone who promises you can make X amount if you buy their writing course is selling you not only lies but snake oil, and there’s a word for it — scam.
But I’m not here to preach, I’m here to understand.
I was surprised that my story on sugar dating, and sex work started to have readers. Are people interested in what goes on behind sugar dating apps, with sugar daddies, or mommies? Or is it because sex work, while it remains taboo, is a topic we all like to explore behind the dark walls of our privacy?
Online sex work had exploded.
We hear a lot of success stories, horrid tales, and even crimes that happen in the industry.
A booming industry in countries like the Philippines is an online work that nobody really talks about. If you happen to find yourself enticed to become an OnlyFans chatter, think again. Not only have you entered the rabbit hole of sex work, but you have essentially become a fraudster and in the Philippines, both are considered crimes.
OnlyFans models, many of whom started creating content to survive during the pandemic, soon discovered that there is so much money out there, and as always money brings out the worst in all of us.
To make more money as an OnlyFans model, you need more subscribers or to convince your existing fans to buy more content. While an OnlyFans subscription is only the beginning, the sky is the limit as to how much an OnlyFans model can make — and there lies the gray area of OnlyFans.
To scale their businesses, these models started hiring OnlyFans chatters, people willing to work for pittance in the hope they could make sales that would mean higher commissions from the models.
And what do they sell?
The OnlyFans model’s exclusive content, which can be as basic as a sex video or a special fetish request from a paying subscriber. As an OnlyFans chatter, you pretend to be the model, you become her even if you are a male chatter.
On the other side of the chat, the victim doesn't know he isn't talking to the OnlyFans model but worse to someone who is thousands of miles away, hired as a chatter from a poor country like the Philippines.
Worse still, the poor male fan doesn't know he could even be talking to another man pretending to be a woman.

The insidious economy of scale

Ideogram
Who would have thought the capitalist concept of the economy of scale would find its way into the adult content industry?
Sex work has come a long way. It used to be a one-on-one transaction, today we have platforms like OnlyFans that allow an adult content creator to become a business in itself, never before seen in the history of sex work.
First, let us define the meaning of economy of scale.
Economy of scale, in economics, the relationship between the size of a plant or industry and the lowest possible cost of a product. When a factory increases output, a reduction in the average cost of a product is usually obtained. This reduction is known as economy of scale. — Source
If you become a popular OnlyFans model, you will be surprised to learn that you can run your business 24/7 by employing agencies that in turn hire low-paid contractors in poor countries like the Philippines.
The chat specialists they give you, that was a huge deal for me,” she said. The agency provided a team of contractors whose sole job is to masquerade as the creator while swapping DMs with her subscribers. These textual conversations are meant to be the main way that OnlyFans users can interact with the models they adore. — Source
The OnlyFans ecosystem had evolved from being a mom-and-pop porn business into a billion-dollar platform where 190 million people are checking out their favorite OnlyFans model daily.
It is impossible even for anyone who found relative success in the platform to be able to talk to their fans because if they don't, that is a lost opportunity to further sell their products which usually are recycled adult content videos from their content library.
In a Reddit post of an OnlyFans chatter, the conversation had both its supporters and critics. While some would see their work as harmless, and that they are in sales, some recognize that they have become sex workers and while some become experts at being detached and call it part of their job, some have to learn how to desensitize themselves and focus on how they can make more money rather than check their moral values.
Not only do they have to take the persona of the OnlyFans model, but they also have to be engaging, knowing how to do sex talk which later on will need to progress to mastering the art of upselling, and by this means selling more sex videos from the creator.
As much as some would say it is just another way to make money online, and although they don't do any sexual acts themselves, they have become a sex worker, fraudsters, or both.
In its simplest definition, Sex workers are adults who receive money or goods in exchange for consensual sexual services or erotic performances, either regularly or occasionally.
By that definition, the OnlyFans chatter who engage in sex talk and make money from explicit content have undeniably become sex workers themselves.
And once you find yourself in the industry, it changes who you are, your morals and psyche — it just does. Even when I didn’t ask Russell for money, the lies I told him bothered me. I engaged in sex talk, pretended to be a female, and took advantage of Russell's vulnerability.
The whole experience changed who I was.

Final words

In the Philippines, you would even find tutorials on YouTube on how to be accepted as an OnlyFans chatter. There are also exclusive Facebook groups and anonymous Reddit groups where Filipinos would discuss their newfound online work.
A recent article from Wired showed a glimpse into the world of being an OnlyFans chatter, the whole OnlyFans ecosystem, why it had become a multi-billion dollar industry, and how it opened new businesses like chat management firms that hire these contractors.
What is fascinating about the article is that soon, there will be a class action suit against the people behind these chat management companies.
As one lawyer Carey argues, that the managers who run creators’ accounts are engaging in a type of bait and switch that fits the classic definition of fraud. “When you subscribe, the very first thing it says is, ‘Have a DM relationship,’” he said. “Well, that’s totally fraudulent … It’s an open secret they’re just defrauding people.” — Source
I don't judge anyone who finds themselves working as an OnlyFans chatter — the pay is good, and the likelihood of earning beyond what regular jobs can offer often blurs anyone’s moral judgment especially when you find yourself living in poverty like many of these young people in the Philippines.
OnlyFans has become a multibillion-dollar business, and it claims to be a technology company. Yet it all has the elements of sex work — the sex, the money, and potentially the crime.
They say prostitution is the oldest profession, and in today’s world OnlyFans is sex work 2.0.
I invite you to leave a comment and let’s have a conversation about sex work and fraud in the new era of technology.
Thank you for reading.Technology Behind Sex Work

Should You Feel Ashamed as an OnlyFans Chatter? Is It the Sex Work or the Potential for Fraud That Raises Concerns?

It’s complicated

Photo by RDNE Stock project:
Years ago, in the early days of online chat, I found myself caught up in a web of deception. This happened many moons ago, every day at 8 a.m. Manila time, which was 8 p.m. Eastern Time, I would wait until Russell went online. He was from New York and a fireman.
And he always did, right on the dot.
There were no apps then, all we had was Yahoo Messenger.
I’m not proud of what I did — it just happened. It was supposed to be a one-time chat, but instead, it went on for months, until I had to come clean and tell him the truth: that I wasn’t the woman in the photo I sent him.
I didn’t even know there was a word for it back then — catfishing.
Of course, when the truth was out, and when I never heard from him again, even if there was never money involved, which means I didn’t defraud him in exchange for sex work — I remember not only feeling hurt for a long time.
I felt awful for what I did — I lied and pretended to be someone else.

OnlyFans Chatter

The Truth About OnlyFans
These days catfishing has taken a new direction, and it is pervasive in the world of online sex work, with the popularity of OnlyFans it gave birth to an army of impersonators known as “chatters.”
It isn't easy to make money online, especially from writing. Anyone who promises you can make X amount if you buy their writing course is selling you not only lies but snake oil, and there’s a word for it — scam.
But I’m not here to preach, I’m here to understand.
I was surprised that my story on sugar dating, and sex work started to have readers. Are people interested in what goes on behind sugar dating apps, with sugar daddies, or mommies? Or is it because sex work, while it remains taboo, is a topic we all like to explore behind the dark walls of our privacy?
Online sex work had exploded.
We hear a lot of success stories, horrid tales, and even crimes that happen in the industry.
A booming industry in countries like the Philippines is an online work that nobody really talks about. If you happen to find yourself enticed to become an OnlyFans chatter, think again. Not only have you entered the rabbit hole of sex work, but you have essentially become a fraudster and in the Philippines, both are considered crimes.
OnlyFans models, many of whom started creating content to survive during the pandemic, soon discovered that there is so much money out there, and as always money brings out the worst in all of us.
To make more money as an OnlyFans model, you need more subscribers or to convince your existing fans to buy more content. While an OnlyFans subscription is only the beginning, the sky is the limit as to how much an OnlyFans model can make — and there lies the gray area of OnlyFans.
To scale their businesses, these models started hiring OnlyFans chatters, people willing to work for pittance in the hope they could make sales that would mean higher commissions from the models.
And what do they sell?
The OnlyFans model’s exclusive content, which can be as basic as a sex video or a special fetish request from a paying subscriber. As an OnlyFans chatter, you pretend to be the model, you become her even if you are a male chatter.
On the other side of the chat, the victim doesn't know he isn't talking to the OnlyFans model but worse to someone who is thousands of miles away, hired as a chatter from a poor country like the Philippines.
Worse still, the poor male fan doesn't know he could even be talking to another man pretending to be a woman.

The insidious economy of scale

submitted by thatasianketoguy to TheReactionRoom [link] [comments]

2024.05.16 16:31 Awkward_Connection_3 How should I set myself up for the future?

Hi all, recently while at work I talked to a coworker about my current financial situation. I told them I have a lot of disposable income and have very little expenses. They suggested I come to Reddit to do some research about best ways to start building some wealth for the future. I figure posting and asking would be better than scrolling through posts for hours.
So let me get into some specifics. Currently I'm living with my parents and don't have to worry about rent or grocery expenses. My only real expense is my student loan payments which come out to just over $70 a month. The current amount I've yet to pay back on my loan is $5'900. My father also takes money out of my account occasionally to help with phone bills, insurance, gas, and his line of credit. These amounts come out whenever he needs and he always lets me know when he's taking the money. He never takes more than $500 and I'm happy to support because without my parents support I wouldn't be in this position.
In terms of my income. I'm currently working part-time getting paid $24.20 an hour which is paid out biweekly. The minimum hours I get in a pay period are 24 but I do tend to pick up more shifts. I see myself working here for quite a bit longer, it's a fulfilling job and I enjoy the people I work with. I have no real desire to find any other employment opportunities and am not looking to go full-time just yet.
What I'm looking to build some wealth for is purely peace of mind and maybe an early retirement. I'm fortunately in a position where I'm not concerned about house ownership. I'm an only child and my parents will have the mortgage to the house paid off in five years. It's my childhood home and I couldn't really imagine selling it so I'm planning on it being my kids childhood home too. So I'm really just looking to start putting some money away so I know I have a backup in case I face any troubles in the future. My coworker recommended that I check out Wealthsimple and set up a TFSA. I don't think that's a bad idea but this is an area I haven't trudged before so I'd like to get as much info as I can.
Thank you for taking your time to read this! Any advice or thoughts are greatly appreciated.
submitted by Awkward_Connection_3 to PersonalFinanceCanada [link] [comments]

2024.05.16 15:38 dr_white_rabbit The Importance of Being Safe Online in This Day and Age

In today's interconnected world, the internet is integral to our daily lives. From communication and education to shopping and entertainment, we rely heavily on digital platforms. However, the convenience of the internet comes with significant risks. Cyber threats are more prevalent and sophisticated than ever before, making online safety a critical concern. This article explores why online safety is paramount and provides comprehensive tips to help you protect yourself and your data.

Why Online Safety is Important

  1. Personal Information Protection
    • Identity Theft: Cybercriminals can steal personal information such as names, addresses, social security numbers, and credit card details. This information can be used to commit identity theft, leading to financial loss and legal complications. Identity theft can also cause long-term damage to your credit score, making it difficult to obtain loans, mortgages, or even employment.
    • Privacy Invasion: Sensitive personal details, if compromised, can lead to unwanted exposure and privacy violations. This can have severe emotional and psychological impacts. Privacy invasion can also lead to harassment or stalking, creating a threatening environment for victims.
  2. Preventing Financial Loss
    • Phishing Scams: These scams trick individuals into revealing financial information by posing as legitimate entities. Falling victim to phishing can result in unauthorized transactions and drained bank accounts. Phishing scams can also compromise your email and social media accounts, leading to further exploitation.
    • Ransomware: Cybercriminals use ransomware to encrypt your data and demand a ransom for its release. Paying the ransom does not guarantee data recovery and often leads to further exploitation. Businesses can face significant operational disruptions and financial loss due to ransomware attacks, impacting their ability to serve customers and maintain trust.
  3. Securing Sensitive Data
    • Business Information: For businesses, safeguarding sensitive data such as customer information, intellectual property, and strategic plans is crucial. A data breach can result in substantial financial losses, legal consequences, and reputational damage. Companies must comply with data protection regulations like GDPR and CCPA, which mandate strict data handling and reporting practices.
    • Compliance and Regulations: Many industries are subject to strict data protection regulations. Failure to comply can result in hefty fines and legal action. Ensuring compliance with regulations not only protects data but also enhances customer trust and loyalty.
  4. Maintaining Online Reputation
    • Social Media Safety: Your online profiles are part of your digital identity. A compromised account can lead to reputational damage, both personally and professionally, as malicious actors can post harmful content or send fraudulent messages. Social media accounts are often targeted for their high visibility and potential to spread misinformation.
    • Professional Integrity: For professionals, maintaining a clean online presence is crucial for career growth. Employers and colleagues often review social media profiles to gauge character and professionalism. An online reputation tarnished by cyber incidents can hinder career advancements and job opportunities.
  5. Avoiding Malware and Viruses
    • System Integrity: Malicious software can corrupt files, steal information, and degrade system performance. Ensuring your devices are protected helps maintain their integrity and functionality. Malware can also create backdoors for attackers to continuously exploit your system, leading to recurring security issues.
    • Data Security: Malware can give attackers access to sensitive data stored on your devices, leading to data breaches and information theft. This can include personal photos, documents, and confidential business information, all of which can be exploited for financial gain or blackmail.
  6. Safe Communication
    • Encryption: Secure online communication is vital to protect private conversations and sensitive information from being intercepted by malicious actors. Encrypted communication ensures that only the intended recipient can access the message content. Encryption tools like Signal and WhatsApp provide end-to-end encryption for messaging, ensuring privacy.
    • Awareness: Being aware of potential communication threats, such as spoofed emails and fake profiles, can prevent you from falling prey to social engineering attacks. Educating yourself and others on recognizing these threats is essential for maintaining secure communication channels.

Comprehensive Tips for Staying Safe Online

  1. Use Strong, Unique Passwords
    • Password Complexity: Create complex passwords that include a mix of uppercase and lowercase letters, numbers, and symbols. Avoid using easily guessable information such as birthdays or common words. Strong passwords reduce the likelihood of brute-force attacks.
    • Password Management: Use a password manager to generate and store unique passwords for each of your accounts. This ensures that you do not reuse passwords, which can be a significant security risk. Password managers also help you keep track of your login credentials securely.
  2. Enable Two-Factor Authentication (2FA)
    • Extra Layer of Security: Two-factor authentication (2FA) adds an additional layer of security by requiring a second form of verification, such as a text message code or authentication app, in addition to your password. 2FA significantly enhances account security, even if your password is compromised.
    • Account Protection: Enabling 2FA on your accounts can significantly reduce the risk of unauthorized access. Popular services like Google, Facebook, and banking apps offer 2FA options, which should be enabled for all sensitive accounts.
  3. Be Cautious with Emails and Links
    • Email Verification: Be wary of emails from unknown senders and avoid clicking on suspicious links or downloading attachments from untrusted sources. Verify the sender's email address and look for signs of phishing, such as misspellings or urgent requests for personal information. Phishing emails often create a sense of urgency to trick recipients into taking immediate action.
    • URL Inspection: Hover over links to see the actual URL before clicking. Ensure that the URL is legitimate and not a cleverly disguised phishing site. Secure websites typically use HTTPS, indicating a secure connection.
  4. Keep Software Updated
    • Regular Updates: Regularly update your operating system, browsers, and software applications. Updates often include security patches that protect against newly discovered vulnerabilities. Outdated software is a common target for cyberattacks due to unpatched security flaws.
    • Automatic Updates: Enable automatic updates where possible to ensure that you receive the latest security patches without delay. This is especially important for antivirus software and operating systems, which frequently release critical security updates.
  5. Use Antivirus and Anti-Malware Programs
    • Protection Tools: Install and maintain reliable antivirus and anti-malware software to detect and remove harmful threats from your devices. Regularly scan your system to ensure it is free from malware. These tools provide real-time protection against a wide range of threats.
    • Real-Time Protection: Use real-time protection features to continuously monitor your system for suspicious activity. Real-time protection helps prevent malware from executing and spreading on your device.
  6. Secure Your Home Network
    • Wi-Fi Security: Protect your Wi-Fi network with a strong password and use WPA3 encryption for added security. Avoid using default passwords and SSIDs that can be easily guessed. A secure Wi-Fi network prevents unauthorized access and protects data transmitted over the network.
    • VPN Use: Consider using a virtual private network (VPN) to encrypt your internet connection, especially when using public Wi-Fi. A VPN masks your IP address and secures your online activities from prying eyes. VPNs are particularly useful for protecting sensitive information while traveling or accessing unsecured networks.
  7. Monitor Your Accounts
    • Account Activity: Regularly check your bank statements, credit reports, and online accounts for any unusual activity. Early detection of unauthorized activity can prevent further damage. Set up account alerts to receive notifications of suspicious transactions or login attempts.
    • Alert Systems: Set up account alerts to notify you of suspicious transactions or login attempts. Many financial institutions and online services offer customizable alert options to keep you informed of account activity.
  8. Educate Yourself and Others
    • Stay Informed: Stay informed about the latest online threats and security practices. Follow reputable sources for cybersecurity news and updates. Cybersecurity is an evolving field, and staying current with trends and threats is crucial for maintaining safety.
    • Community Awareness: Share your knowledge with family, friends, and colleagues to promote a safer online environment for everyone. Encourage them to adopt good security habits and practices. Hosting workshops or informational sessions can be an effective way to spread awareness.
  9. Backup Your Data
    • Regular Backups: Regularly back up your important data to an external hard drive or cloud storage service. This ensures that you can recover your information in case of a cyberattack or system failure. Regular backups protect against data loss from ransomware attacks or hardware failures.
    • Backup Encryption: Encrypt your backups to protect them from unauthorized access. Encrypted backups ensure that even if backup media is lost or stolen, the data remains secure.
  10. Be Skeptical of Free Offers

Conclusion

In an increasingly digital world, online safety is more important than ever. Protecting personal and sensitive information from cyber threats requires vigilance and proactive measures. By following the comprehensive tips provided, you can enhance your online security and enjoy the benefits of the internet with greater peace of mind. Stay safe, stay informed, and make online safety a priority.
Being safe online is not just a personal responsibility but a collective one. By practicing good cybersecurity habits, you contribute to a safer digital environment for everyone. Remember, the cost of negligence can be high, but with the right precautions, you can
submitted by dr_white_rabbit to antivirus [link] [comments]

2024.05.16 14:09 _Triple_ [STORE] 900+ KNIVES/GLOVES/SKINS, 100.000$+ INVENTORY. BFK Lore, Gloves Amphibious, Skeleton Fade, Bowie Emerald, BFK Auto, Gloves MF, Talon Doppler, Gloves POW, Bayo Tiger, Gut Sapphire, Stiletto MF, M9 Ultra, Ursus Doppler, Flip Doppler, M9 Stained, Nomad CW, Paracord CW, AK-47 X-Ray & A Lot More

Everything in my inventory is up for trade. The most valuable items are listed here, the rest you can find in My Inventory

Feel free to Add Me or even better send a Trade Offer. Open for any suggestions: upgrades, downgrades / knives, gloves, skins / stickers, patterns, floats.

All Buyouts are listed in cash value.

KNIVES

★ Butterfly Knife Lore (Factory New), B/O: $7194.77

★ Butterfly Knife Autotronic (Minimal Wear), B/O: $2025.74

⎯

★ M9 Bayonet Ultraviolet (Field-Tested), B/O: $557.87

★ M9 Bayonet Stained (Well-Worn), B/O: $529.41

★ M9 Bayonet Boreal Forest (Field-Tested), B/O: $465.39

⎯

★ Talon Knife Doppler (Factory New), B/O: $1295.27

★ Bayonet Tiger Tooth (Minimal Wear), B/O: $746.28

★ Karambit Bright Water (Field-Tested), B/O: $688.15

⎯

★ Flip Knife Doppler (Factory New), B/O: $547.93

★ Flip Knife Autotronic (Minimal Wear), B/O: $476.69

★ Flip Knife Case Hardened (Battle-Scarred), B/O: $278.18

★ Flip Knife Black Laminate (Well-Worn), B/O: $258.83

★ Flip Knife Urban Masked (Field-Tested), B/O: $181.64

⎯

★ Stiletto Knife Marble Fade (Factory New), B/O: $686.04

★ Stiletto Knife Doppler (Factory New), B/O: $665.41

★ Stiletto Knife, B/O: $601.39

★ Stiletto Knife Crimson Web (Field-Tested), B/O: $418.25

★ Stiletto Knife Night Stripe (Field-Tested), B/O: $227.80

★ Stiletto Knife Boreal Forest (Field-Tested), B/O: $194.96

★ Stiletto Knife Safari Mesh (Field-Tested), B/O: $192.79

⎯

★ Nomad Knife Crimson Web (Field-Tested), B/O: $518.11

★ Nomad Knife Scorched (Field-Tested), B/O: $169.78

★ Nomad Knife Forest DDPAT (Battle-Scarred), B/O: $166.88

★ StatTrak™ Nomad Knife Blue Steel (Field-Tested), B/O: $335.79

⎯

★ Skeleton Knife Stained (Well-Worn), B/O: $442.05

★ Skeleton Knife Urban Masked (Minimal Wear), B/O: $426.24

★ Skeleton Knife Boreal Forest (Field-Tested), B/O: $314.03

★ StatTrak™ Skeleton Knife Fade (Minimal Wear), B/O: $2361.28

★ StatTrak™ Skeleton Knife Urban Masked (Field-Tested), B/O: $376.53

⎯

★ Ursus Knife Doppler (Factory New), B/O: $557.12

★ Ursus Knife, B/O: $471.42

★ Ursus Knife Blue Steel (Minimal Wear), B/O: $212.37

★ Ursus Knife Case Hardened (Battle-Scarred), B/O: $187.66

★ Ursus Knife Damascus Steel (Field-Tested), B/O: $178.18

★ Ursus Knife Ultraviolet (Battle-Scarred), B/O: $155.13

★ Ursus Knife Boreal Forest (Battle-Scarred), B/O: $124.26

⎯

★ Huntsman Knife Black Laminate (Minimal Wear), B/O: $204.83

★ Huntsman Knife Black Laminate (Field-Tested), B/O: $184.50

★ StatTrak™ Huntsman Knife Lore (Battle-Scarred), B/O: $224.11

⎯

★ Bowie Knife Gamma Doppler (Factory New), B/O: $2142.02

★ Bowie Knife, B/O: $230.44

★ Bowie Knife Damascus Steel (Factory New), B/O: $209.20

★ Bowie Knife Ultraviolet (Minimal Wear), B/O: $180.51

★ Bowie Knife Ultraviolet (Field-Tested), B/O: $131.03

⎯

★ Falchion Knife Night (Field-Tested), B/O: $132.54

★ Falchion Knife Urban Masked (Well-Worn), B/O: $112.81

★ Falchion Knife Scorched (Field-Tested), B/O: $108.81

★ Falchion Knife Forest DDPAT (Field-Tested), B/O: $107.82

★ Falchion Knife Safari Mesh (Field-Tested), B/O: $107.46

★ StatTrak™ Falchion Knife Ultraviolet (Field-Tested), B/O: $143.08

⎯

★ Paracord Knife Crimson Web (Minimal Wear), B/O: $486.48

★ Paracord Knife Blue Steel (Battle-Scarred), B/O: $163.12

⎯

★ Survival Knife Blue Steel (Battle-Scarred), B/O: $138.26

★ Survival Knife Night Stripe (Field-Tested), B/O: $131.03

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★ Gut Knife Sapphire (Minimal Wear), B/O: $1127.79

★ Gut Knife Gamma Doppler (Factory New), B/O: $286.17

★ Gut Knife Doppler (Factory New), B/O: $246.55

★ Gut Knife Marble Fade (Factory New), B/O: $240.77

★ Gut Knife, B/O: $210.49

★ Gut Knife Lore (Field-Tested), B/O: $194.22

★ Gut Knife Case Hardened (Battle-Scarred), B/O: $151.51

★ Gut Knife Blue Steel (Minimal Wear), B/O: $124.94

★ Gut Knife Rust Coat (Well-Worn), B/O: $118.99

★ Gut Knife Boreal Forest (Minimal Wear), B/O: $109.80

★ StatTrak™ Gut Knife Doppler (Factory New), B/O: $237.96

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★ Shadow Daggers Gamma Doppler (Factory New), B/O: $264.92

★ Shadow Daggers Marble Fade (Factory New), B/O: $253.03

★ Shadow Daggers Tiger Tooth (Factory New), B/O: $237.22

★ Shadow Daggers Crimson Web (Field-Tested), B/O: $153.40

★ Shadow Daggers Autotronic (Minimal Wear), B/O: $144.42

★ Shadow Daggers Blue Steel (Field-Tested), B/O: $105.20

★ StatTrak™ Shadow Daggers Damascus Steel (Minimal Wear), B/O: $150.46

⎯

★ Navaja Knife Fade (Factory New), B/O: $365.99

★ Navaja Knife Doppler (Factory New), B/O: $228.93

★ Navaja Knife Marble Fade (Factory New), B/O: $227.43

★ Navaja Knife Slaughter (Factory New), B/O: $209.06

★ Navaja Knife, B/O: $203.16

★ Navaja Knife Case Hardened (Well-Worn), B/O: $132.57

★ Navaja Knife Damascus Steel (Factory New), B/O: $121.69

★ Navaja Knife Damascus Steel (Minimal Wear), B/O: $109.95

★ Navaja Knife Damascus Steel (Field-Tested), B/O: $100.41

★ StatTrak™ Navaja Knife Fade (Factory New), B/O: $369.01

★ StatTrak™ Navaja Knife Damascus Steel (Field-Tested), B/O: $109.95

GLOVES

★ Sport Gloves Amphibious (Minimal Wear), B/O: $2394.67

★ Sport Gloves Omega (Well-Worn), B/O: $572.33

★ Sport Gloves Bronze Morph (Minimal Wear), B/O: $338.88

★ Sport Gloves Big Game (Field-Tested), B/O: $323.66

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★ Specialist Gloves Marble Fade (Minimal Wear), B/O: $1652.07

★ Specialist Gloves Tiger Strike (Field-Tested), B/O: $599.14

★ Specialist Gloves Crimson Web (Well-Worn), B/O: $231.57

★ Specialist Gloves Buckshot (Minimal Wear), B/O: $126.21

⎯

★ Moto Gloves POW! (Minimal Wear), B/O: $996.99

★ Moto Gloves POW! (Field-Tested), B/O: $383.31

★ Moto Gloves POW! (Well-Worn), B/O: $276.00

★ Moto Gloves Turtle (Field-Tested), B/O: $180.28

⎯

★ Hand Wraps CAUTION! (Minimal Wear), B/O: $502.29

★ Hand Wraps Giraffe (Minimal Wear), B/O: $180.73

★ Hand Wraps CAUTION! (Battle-Scarred), B/O: $178.32

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★ Driver Gloves Queen Jaguar (Minimal Wear), B/O: $181.01

★ Driver Gloves Rezan the Red (Field-Tested), B/O: $101.66

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★ Broken Fang Gloves Jade (Field-Tested), B/O: $127.88

★ Broken Fang Gloves Needle Point (Minimal Wear), B/O: $124.55

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★ Bloodhound Gloves Guerrilla (Minimal Wear), B/O: $127.94

★ Hydra Gloves Case Hardened (Field-Tested), B/O: $102.55

WEAPONS

AK-47 X-Ray (Well-Worn), B/O: $478.95

AUG Hot Rod (Factory New), B/O: $425.83

StatTrak™ M4A1-S Hyper Beast (Factory New), B/O: $413.95

M4A4 Daybreak (Factory New), B/O: $309.51

StatTrak™ AK-47 Aquamarine Revenge (Factory New), B/O: $305.43

AK-47 Case Hardened (Well-Worn), B/O: $196.38

StatTrak™ M4A4 Temukau (Minimal Wear), B/O: $174.64

P90 Run and Hide (Field-Tested), B/O: $167.03

AWP Asiimov (Field-Tested), B/O: $153.33

Souvenir SSG 08 Death Strike (Minimal Wear), B/O: $140.00

M4A1-S Printstream (Battle-Scarred), B/O: $124.70

StatTrak™ M4A1-S Golden Coil (Field-Tested), B/O: $117.48

AWP Asiimov (Well-Worn), B/O: $115.97

StatTrak™ Desert Eagle Printstream (Minimal Wear), B/O: $112.96

StatTrak™ AK-47 Asiimov (Minimal Wear), B/O: $110.85

Souvenir M4A1-S Master Piece (Well-Worn), B/O: $102.42

AK-47 Bloodsport (Minimal Wear), B/O: $100.53

Trade Offer Link - Steam Profile Link - My Inventory

Knives - Bowie Knife, Butterfly Knife, Falchion Knife, Flip Knife, Gut Knife, Huntsman Knife, M9 Bayonet, Bayonet, Karambit, Shadow Daggers, Stiletto Knife, Ursus Knife, Navaja Knife, Talon Knife, Classic Knife, Paracord Knife, Survival Knife, Nomad Knife, Skeleton Knife, Patterns - Gamma Doppler, Doppler (Phase 1, Phase 2, Phase 3, Phase 4, Black Pearl, Sapphire, Ruby, Emerald), Crimson Web, Lore, Fade, Ultraviolet, Night, Marble Fade (Fire & Ice, Fake FI), Case Hardened (Blue Gem), Autotronic, Slaughter, Black Laminate, Tiger Tooth, Boreal Forest, Scorched, Blue Steel, Vanilla, Damascus Steel, Forest DDPAT, Urban Masked, Freehand, Stained, Bright Water, Safari Mesh, Rust Coat, Gloves - Bloodhound Gloves (Charred, Snakebite, Guerrilla, Bronzed), Driver Gloves (Snow Leopard, King Snake, Crimson Weave, Imperial Plaid, Black Tie, Lunar Weave, Diamondback, Rezan the Red, Overtake, Queen Jaguar, Convoy, Racing Green), Hand Wraps (Cobalt Skulls, CAUTION!, Overprint, Slaughter, Leather, Giraffe, Badlands, Spruce DDPAT, Arboreal, Constrictor, Desert Shamagh, Duct Tape), Moto Gloves (Spearmint, POW!, Cool Mint, Smoke Out, Finish Line, Polygon, Blood Pressure, Turtle, Boom!, Eclipse, 3rd Commando Company, Transport), Specialist Gloves (Crimson Kimono, Tiger Strike, Emerald Web, Field Agent, Marble Fade, Fade, Foundation, Lt. Commander, Crimson Web, Mogul, Forest DDPAT, Buckshot), Sport Gloves (Pandora's Box, Superconductor, Hedge Maze, Vice, Amphibious, Slingshot, Omega, Arid, Big Game, Nocts, Scarlet Shamagh, Bronze Morph), Hydra Gloves (Case Hardened, Emerald, Rattler, Mangrove), Broken Fang Gloves (Jade, Yellow-banded, Unhinged, Needle Point), Pistols - P2000 (Wicked Sick, Ocean Foam, Fire Element, Amber Fade, Corticera, Chainmail, Imperial Dragon, Obsidian, Scorpion, Handgun, Acid Etched), USP-S (Printstream, Kill Confirmed, Whiteout, Road Rash, Owergrowth, The Traitor, Neo-Noir, Dark Water, Orion, Blueprint, Stainless, Caiman, Serum, Monster Mashup, Royal Blue, Ancient Visions, Cortex, Orange Anolis, Ticket To Hell, Black Lotus, Cyrex, Check Engine, Guardian, Purple DDPAT, Torque, Blood Tiger, Flashback, Business Class, Pathfinder, Para Green), Lead Conduit, Glock-18 (Ramese's Reach, Umbral Rabbit, Fade, Candy Apple, Bullet Queen, Synth Leaf, Neo-Noir, Nuclear Garden, Dragon Tatto, Reactor, Pink DDPAT, Twilight Galaxy, Sand Dune, Groundwater, Blue Fissure, Snack Attack, Water Elemental, Brass, Wasteland Rebel, Vogue, Franklin, Royal Legion, Gamma Doppler, Weasel, Steel Disruption, Ironwork, Grinder, High Beam, Moonrise, Oxide Blaze, Bunsen Burner, Clear Polymer, Bunsen Burner, Night), P250 (Apep's Curse, Re.built, Nuclear Threat, Modern Hunter, Splash, Whiteout, Vino Primo, Mehndi, Asiimov, Visions, Undertow, Cartel, See Ya Later, Gunsmoke, Splash, Digital Architect, Muertos, Red Rock, Bengal Tiger, Crimson Kimono, Wingshot, Metallic DDPAT, Hive, Dark Filigree, Mint Kimono), Five-Seven (Neon Kimono, Berries And Cherries, Fall Hazard, Crimson Blossom, Hyper Beast, Nitro, Fairy Tale, Case Hardened, Copper Galaxy, Angry Mob, Monkey Business, Fowl Play, Anodized Gunmetal, Hot Shot, Retrobution, Boost Protocol), CZ75-Auto (Chalice, Crimson Web, Emerald Quartz, The Fuschia is Now, Nitro, Xiangliu, Yellow Jacket, Victoria, Poison Dart, Syndicate, Eco, Hexane, Pole, Tigris), Tec-9 (Mummy's Rot, Rebel, Terrace, Nuclear Threat, Hades, Rust Leaf, Decimator, Blast From, Orange Murano, Toxic, Fuel Injector, Remote Control, Bamboo Forest, Isaac, Avalanche, Brother, Re-Entry, Blue Titanium, Bamboozle), R8 Revolver (Banana Cannon, Fade, Blaze, Crimson Web, Liama Cannon, Crazy 8, Reboot, Canal Spray, Night, Amber Fade), Desert Eagle (Blaze, Hand Cannon, Fennec Fox, Sunset Storm, Emerald Jörmungandr, Pilot, Hypnotic, Golden Koi, Printstream, Cobalt Disruption, Code Red, Ocean Drive, Midnight Storm, Kumicho Dragon, Crimson Web, Heirloom, Night Heist, Mecha Industries, Night, Conspiracy, Trigger Discipline, Naga, Directive, Light Rail), Dual Berettas (Flora Carnivora, Duelist, Cobra Strike, Black Limba, Emerald, Hemoglobin, Twin Turbo, Marina, Melondrama, Pyre, Retribution, Briar, Dezastre, Royal Consorts, Urban Shock, Dualing Dragons, Panther, Balance), Rifles - Galil (Aqua Terrace, Winter Forest, Chatterbox, Sugar Rush, Pheonix Blacklight, CAUTION!, Orange DDPAT, Cerberus, Dusk Ruins, Eco, Chromatic Aberration, Stone Cold, Tuxedo, Sandstorm, Shattered, Urban Rubble, Rocket Pop, Kami, Crimson Tsunami, Connexion), SCAR-20 (Fragments, Brass, Cyrex, Palm, Splash Jam, Cardiac, Emerald, Crimson Web, Magna Carta, Stone Mosaico, Bloodsport, Enforcer), AWP (Black Nile, Duality, Gungnir, Dragon Lore, Prince, Medusa, Desert Hydra, Fade, Lightning Strike, Oni Taiji, Silk Tiger, Graphite, Chromatic Aberration, Asiimov, Snake Camo, Boom, Containment Breach, Wildfire, Redline, Electric Hive, Hyper Beast, Neo-Noir, Man-o'-war, Pink DDPAT, Corticera, Sun in Leo, Elite Build, Fever Dream, Atheris, Mortis, PAW, Exoskeleton, Worm God, POP AWP, Phobos, Acheron, Pit Viper, Capillary, Safari Mesh), AK-47 (Steel Delta, Head Shot, Wild Lotus, Gold Arabesque, X-Ray, Fire Serpent, Hydroponic, Panthera Onca, Case Hardened, Vulcan, Jet Set, Fuel Injector, Bloodsport, Nightwish, First Class, Neon Rider, Asiimov, Red Laminate, Aquamarine Revenge, The Empress, Wasteland Rebel, Jaguar, Black Laminate, Leet Museo, Neon Revolution, Redline, Frontside Misty, Predator, Legion of Anubis, Point Disarray, Orbit Mk01, Blue Laminate, Green Laminate, Emerald Pinstripe, Cartel, Phantom Disruptor, Jungle Spray, Safety Net, Rat Rod, Baroque Purple, Slate, Elite Build, Uncharted, Safari Mesh), FAMAS (Waters of Nephthys, Sundown, Prime Conspiracy, Afterimage, Commemoration, Dark Water, Spitfire, Pulse, Eye of Athena, Meltdown, Rapid Eye Move, Roll Cage, Styx, Mecha Industrie, Djinn, ZX Spectron, Valence, Neural Net, Night Borre, Hexne), M4A4 (Eye of Horus, Temukau, Howl, Poseidon, Asiimov, Daybreak, Hellfire, Zirka, Red DDPAT, Radiation Hazard, Modern Hunter, The Emperor, The Coalition, Bullet Rain, Cyber Security, X-Ray, Dark Blossom, Buzz Kill, In Living Color, Neo-Noir, Desolate Space, 龍王 (Dragon King), Royal Paladin, The Battlestar, Global Offensive, Tooth Fairy, Desert-Strike, Griffin, Evil Daimyo, Spider Lily, Converter), M4A1-S (Emphorosaur-S, Welcome to the Jungle, Imminent Danger, Knight, Hot Rod, Icarus Fell, Blue Phosphor, Printstream, Master Piece, Dark Water, Golden Coil, Bright Water, Player Two, Atomic Alloy, Guardian, Chantico's Fire, Hyper Beast, Mecha Industries, Cyrex, Control Panel, Moss Quartz, Nightmare, Decimator, Leaded Glass, Basilisk, Blood Tiger, Briefing, Night Terror, Nitro, VariCamo, Flashback), SG 553 (Cyberforce, Hazard Pay, Bulldozer, Integrale, Dragon Tech, Ultraviolet, Colony IV, Hypnotic, Cyrex, Candy Apple, Barricade, Pulse), SSG 08 (Death Strike, Sea Calico, Blood in the Water, Orange Filigree, Dragonfire, Big Iron, Bloodshot, Detour, Turbo Peek, Red Stone), AUG (Akihabara Accept, Flame Jörmungandr, Hot Rod, Midnight Lily, Sand Storm, Carved Jade, Wings, Anodized Navy, Death by Puppy, Torque, Bengal Tiger, Chameleon, Fleet Flock, Random Access, Momentum, Syd Mead, Stymphalian, Arctic Wolf, Aristocrat, Navy Murano), G3SG1 (Chronos, Violet Murano, Flux, Demeter, Orange Kimono, The Executioner, Green Apple, Arctic Polar Camo, Contractor), SMGs - P90 (ScaraB Rush, Neoqueen, Astral Jörmungandr, Run and Hide, Emerald Dragon, Cold Blooded, Death by Kitty, Baroque Red, Vent Rush, Blind Spot, Asiimov, Trigon, Sunset Lily, Death Grip, Leather, Nostalgia, Fallout Warning, Tiger Pit, Schermatic, Virus, Shapewood, Glacier Mesh, Shallow Grave, Chopper, Desert Warfare), MAC-10 (Sakkaku, Hot Snakes, Copper Borre, Red Filigree, Gold Brick, Graven, Case Hardened, Stalker, Amber Fade, Neon Rider, Tatter, Curse, Propaganda, Nuclear Garden, Disco Tech, Toybox, Heat, Indigo), UMP-45 (Wild Child, Fade, Blaze, Day Lily, Minotaur's Labyrinth, Crime Scene, Caramel, Bone Pile, Momentum, Primal Saber), MP7 (Teal Blossom, Fade, Nemesis, Whiteout, Asterion, Bloosport, Abyssal Apparition, Full Stop, Special Delivery, Neon Ply, Asterion, Ocean Foam, Powercore, Scorched, Impire), PP-Bizon (Modern Hunter, Rust Coat, Forest Leaves, Antique, High Roller, Blue Streak, Seabird, Judgement of Anubis, Bamboo Print, Embargo, Chemical Green, Coblat Halftone, Fuel Rod, Photic Zone, Irradiated Alert, Carbon Fiber), MP9 (Featherweight, Wild Lily, Pandora's Box, Stained Glass, Bulldozer, Dark Age, Hot Rod, Hypnotic, Hydra, Rose Iron, Music Box, Setting Sun, Food Chain, Airlock, Mount Fuji, Starlight Protector, Ruby Poison Dart, Deadly Poison), MP5-SD (Liquidation, Oxide Oasis, Phosphor, Nitro, Agent, Autumn Twilly), Shotguns, Machineguns - Sawed-Off (Kiss♥Love, First Class, Orange DDPAT, Rust Coat, The Kraken, Devourer, Mosaico, Wasteland Princess, Bamboo Shadow, Copper, Serenity, Limelight, Apocalypto), XM1014 (Frost Borre, Ancient Lore, Red Leather, Elegant Vines, Banana Leaf, Jungle, Urban Perforated, Grassland, Blaze Orange, Heaven Guard, VariCamo Blue, Entombed, XOXO, Seasons, Tranquility, Bone Machine, Incinegator, Teclu Burner, Black Tie, Zombie Offensive, Watchdog), Nova (Sobek's Bite, Baroque Orange, Hyper Beast, Green Apple, Antique, Modern Hunter, Walnut, Forest Leaves, Graphite, Blaze Orange, Rising Skull, Tempest, Bloomstick, Interlock, Quick Sand, Moon in Libra, Clean Polymer, Red Quartz, Toy Soldier), MAG-7 (Copper Coated, Insomnia, Cinqueda, Counter Terrace, Prism Terrace, Memento, Chainmail, Hazard, Justice, Bulldozer, Silver, Core Breach, Firestarter, Praetorian, Heat, Hard Water, Monster Call, BI83 Spectrum, SWAG-7), M249 (Humidor, Shipping Forecast, Blizzard Marbleized, Downtown, Jungle DDPAT, Nebula Crusader, Impact Drill, Emerald Poison Dart), Negev (Mjölnir, Anodized Navy, Palm, Power Loader, Bratatat, CaliCamo, Phoenix Stencil, Infrastructure, Boroque Sand), Wear - Factory New (FN), Minimal Wear (MW), Field-Tested (FT), Well-Worn (WW), Battle-Scarred (BS), Stickers Holo/Foil/Gold - Katowice 2014, Krakow 2017, Howling Dawn, Katowice 2015, Crown, London 2018, Cologne 2014, Boston 2018, Atlanta 2017, Cluj-Napoca 2015, DreamHack 2014, King on the Field, Harp of War, Winged Difuser, Cologne 2016, Cologne 2015, MLG Columbus 2016, Katowice 2019, Berlin 2019, RMR 2020, Stockholm 2021, Antwerp 2022, Paris 2023, Swag Foil, Flammable foil, Others - Souvenirs, Agents, Pins, Passes, Gifts, Music Kits, Cases, Keys, Capsules, Packages, Patches

Some items on the list may no longer be available or are still locked, visit My Inventory for more details.

Send a Trade Offer for fastest response. I consider all offers.

Add me for discuss if there is a serious offer that needs to be discussed.

submitted by _Triple_ to Csgotrading [link] [comments]

2024.05.16 09:55 _Triple_ [STORE] 900+ KNIVES/GLOVES/SKINS, 100.000$+ INVENTORY. BFK Lore, Gloves Amphibious, Skeleton Fade, Bowie Emerald, BFK Auto, Gloves MF, Talon Doppler, Gloves POW, Bayo Tiger, Gut Sapphire, Stiletto MF, M9 Ultra, Ursus Doppler, Flip Doppler, M9 Stained, Nomad CW, Paracord CW, AK-47 X-Ray & A Lot More

Everything in my inventory is up for trade. The most valuable items are listed here, the rest you can find in My Inventory

Feel free to Add Me or even better send a Trade Offer. Open for any suggestions: upgrades, downgrades / knives, gloves, skins / stickers, patterns, floats.

All Buyouts are listed in cash value.

KNIVES

★ Butterfly Knife Lore (Factory New), B/O: $7194.77

★ Butterfly Knife Autotronic (Minimal Wear), B/O: $2025.74

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★ M9 Bayonet Ultraviolet (Field-Tested), B/O: $557.87

★ M9 Bayonet Stained (Well-Worn), B/O: $529.41

★ M9 Bayonet Boreal Forest (Field-Tested), B/O: $465.39

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★ Talon Knife Doppler (Factory New), B/O: $1295.27

★ Bayonet Tiger Tooth (Minimal Wear), B/O: $746.28

★ Karambit Bright Water (Field-Tested), B/O: $688.15

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★ Flip Knife Doppler (Factory New), B/O: $547.93

★ Flip Knife Autotronic (Minimal Wear), B/O: $476.69

★ Flip Knife Case Hardened (Battle-Scarred), B/O: $278.18

★ Flip Knife Black Laminate (Well-Worn), B/O: $258.83

★ Flip Knife Urban Masked (Field-Tested), B/O: $181.64

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★ Stiletto Knife Marble Fade (Factory New), B/O: $686.04

★ Stiletto Knife Doppler (Factory New), B/O: $665.41

★ Stiletto Knife, B/O: $601.39

★ Stiletto Knife Crimson Web (Field-Tested), B/O: $418.25

★ Stiletto Knife Night Stripe (Field-Tested), B/O: $227.80

★ Stiletto Knife Boreal Forest (Field-Tested), B/O: $194.96

★ Stiletto Knife Safari Mesh (Field-Tested), B/O: $192.79

⎯

★ Nomad Knife Crimson Web (Field-Tested), B/O: $518.11

★ Nomad Knife Scorched (Field-Tested), B/O: $169.78

★ Nomad Knife Forest DDPAT (Battle-Scarred), B/O: $166.88

★ StatTrak™ Nomad Knife Blue Steel (Field-Tested), B/O: $335.79

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★ Skeleton Knife Stained (Well-Worn), B/O: $442.05

★ Skeleton Knife Urban Masked (Minimal Wear), B/O: $426.24

★ Skeleton Knife Boreal Forest (Field-Tested), B/O: $314.03

★ StatTrak™ Skeleton Knife Fade (Minimal Wear), B/O: $2361.28

★ StatTrak™ Skeleton Knife Urban Masked (Field-Tested), B/O: $376.53

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★ Ursus Knife Doppler (Factory New), B/O: $557.12

★ Ursus Knife, B/O: $471.42

★ Ursus Knife Blue Steel (Minimal Wear), B/O: $212.37

★ Ursus Knife Case Hardened (Battle-Scarred), B/O: $187.66

★ Ursus Knife Damascus Steel (Field-Tested), B/O: $178.18

★ Ursus Knife Ultraviolet (Battle-Scarred), B/O: $155.13

★ Ursus Knife Boreal Forest (Battle-Scarred), B/O: $124.26

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★ Huntsman Knife Black Laminate (Minimal Wear), B/O: $204.83

★ Huntsman Knife Black Laminate (Field-Tested), B/O: $184.50

★ StatTrak™ Huntsman Knife Lore (Battle-Scarred), B/O: $224.11

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★ Bowie Knife Gamma Doppler (Factory New), B/O: $2142.02

★ Bowie Knife, B/O: $230.44

★ Bowie Knife Damascus Steel (Factory New), B/O: $209.20

★ Bowie Knife Ultraviolet (Minimal Wear), B/O: $180.51

★ Bowie Knife Ultraviolet (Field-Tested), B/O: $131.03

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★ Falchion Knife Night (Field-Tested), B/O: $132.54

★ Falchion Knife Urban Masked (Well-Worn), B/O: $112.81

★ Falchion Knife Scorched (Field-Tested), B/O: $108.81

★ Falchion Knife Forest DDPAT (Field-Tested), B/O: $107.82

★ Falchion Knife Safari Mesh (Field-Tested), B/O: $107.46

★ StatTrak™ Falchion Knife Ultraviolet (Field-Tested), B/O: $143.08

⎯

★ Paracord Knife Crimson Web (Minimal Wear), B/O: $486.48

★ Paracord Knife Blue Steel (Battle-Scarred), B/O: $163.12

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★ Survival Knife Blue Steel (Battle-Scarred), B/O: $138.26

★ Survival Knife Night Stripe (Field-Tested), B/O: $131.03

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★ Gut Knife Sapphire (Minimal Wear), B/O: $1127.79

★ Gut Knife Gamma Doppler (Factory New), B/O: $286.17

★ Gut Knife Doppler (Factory New), B/O: $246.55

★ Gut Knife Marble Fade (Factory New), B/O: $240.77

★ Gut Knife, B/O: $210.49

★ Gut Knife Lore (Field-Tested), B/O: $194.22

★ Gut Knife Case Hardened (Battle-Scarred), B/O: $151.51

★ Gut Knife Blue Steel (Minimal Wear), B/O: $124.94

★ Gut Knife Rust Coat (Well-Worn), B/O: $118.99

★ Gut Knife Boreal Forest (Minimal Wear), B/O: $109.80

★ StatTrak™ Gut Knife Doppler (Factory New), B/O: $237.96

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★ Shadow Daggers Gamma Doppler (Factory New), B/O: $264.92

★ Shadow Daggers Marble Fade (Factory New), B/O: $253.03

★ Shadow Daggers Tiger Tooth (Factory New), B/O: $237.22

★ Shadow Daggers Crimson Web (Field-Tested), B/O: $153.40

★ Shadow Daggers Autotronic (Minimal Wear), B/O: $144.42

★ Shadow Daggers Blue Steel (Field-Tested), B/O: $105.20

★ StatTrak™ Shadow Daggers Damascus Steel (Minimal Wear), B/O: $150.46

⎯

★ Navaja Knife Fade (Factory New), B/O: $365.99

★ Navaja Knife Doppler (Factory New), B/O: $228.93

★ Navaja Knife Marble Fade (Factory New), B/O: $227.43

★ Navaja Knife Slaughter (Factory New), B/O: $209.06

★ Navaja Knife, B/O: $203.16

★ Navaja Knife Case Hardened (Well-Worn), B/O: $132.57

★ Navaja Knife Damascus Steel (Factory New), B/O: $121.69

★ Navaja Knife Damascus Steel (Minimal Wear), B/O: $109.95

★ Navaja Knife Damascus Steel (Field-Tested), B/O: $100.41

★ StatTrak™ Navaja Knife Fade (Factory New), B/O: $369.01

★ StatTrak™ Navaja Knife Damascus Steel (Field-Tested), B/O: $109.95

GLOVES

★ Sport Gloves Amphibious (Minimal Wear), B/O: $2394.67

★ Sport Gloves Omega (Well-Worn), B/O: $572.33

★ Sport Gloves Bronze Morph (Minimal Wear), B/O: $338.88

★ Sport Gloves Big Game (Field-Tested), B/O: $323.66

⎯

★ Specialist Gloves Marble Fade (Minimal Wear), B/O: $1652.07

★ Specialist Gloves Tiger Strike (Field-Tested), B/O: $599.14

★ Specialist Gloves Crimson Web (Well-Worn), B/O: $231.57

★ Specialist Gloves Buckshot (Minimal Wear), B/O: $126.21

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★ Moto Gloves POW! (Minimal Wear), B/O: $996.99

★ Moto Gloves POW! (Field-Tested), B/O: $383.31

★ Moto Gloves POW! (Well-Worn), B/O: $276.00

★ Moto Gloves Turtle (Field-Tested), B/O: $180.28

⎯

★ Hand Wraps CAUTION! (Minimal Wear), B/O: $502.29

★ Hand Wraps Giraffe (Minimal Wear), B/O: $180.73

★ Hand Wraps CAUTION! (Battle-Scarred), B/O: $178.32

⎯

★ Driver Gloves Queen Jaguar (Minimal Wear), B/O: $181.01

★ Driver Gloves Rezan the Red (Field-Tested), B/O: $101.66

⎯

★ Broken Fang Gloves Jade (Field-Tested), B/O: $127.88

★ Broken Fang Gloves Needle Point (Minimal Wear), B/O: $124.55

⎯

★ Bloodhound Gloves Guerrilla (Minimal Wear), B/O: $127.94

★ Hydra Gloves Case Hardened (Field-Tested), B/O: $102.55

WEAPONS

AK-47 X-Ray (Well-Worn), B/O: $478.95

AUG Hot Rod (Factory New), B/O: $425.83

StatTrak™ M4A1-S Hyper Beast (Factory New), B/O: $413.95

M4A4 Daybreak (Factory New), B/O: $309.51

StatTrak™ AK-47 Aquamarine Revenge (Factory New), B/O: $305.43

AK-47 Case Hardened (Well-Worn), B/O: $196.38

StatTrak™ M4A4 Temukau (Minimal Wear), B/O: $174.64

P90 Run and Hide (Field-Tested), B/O: $167.03

AWP Asiimov (Field-Tested), B/O: $153.33

Souvenir SSG 08 Death Strike (Minimal Wear), B/O: $140.00

M4A1-S Printstream (Battle-Scarred), B/O: $124.70

StatTrak™ M4A1-S Golden Coil (Field-Tested), B/O: $117.48

AWP Asiimov (Well-Worn), B/O: $115.97

StatTrak™ Desert Eagle Printstream (Minimal Wear), B/O: $112.96

StatTrak™ AK-47 Asiimov (Minimal Wear), B/O: $110.85

Souvenir M4A1-S Master Piece (Well-Worn), B/O: $102.42

AK-47 Bloodsport (Minimal Wear), B/O: $100.53

Trade Offer Link - Steam Profile Link - My Inventory

Knives - Bowie Knife, Butterfly Knife, Falchion Knife, Flip Knife, Gut Knife, Huntsman Knife, M9 Bayonet, Bayonet, Karambit, Shadow Daggers, Stiletto Knife, Ursus Knife, Navaja Knife, Talon Knife, Classic Knife, Paracord Knife, Survival Knife, Nomad Knife, Skeleton Knife, Patterns - Gamma Doppler, Doppler (Phase 1, Phase 2, Phase 3, Phase 4, Black Pearl, Sapphire, Ruby, Emerald), Crimson Web, Lore, Fade, Ultraviolet, Night, Marble Fade (Fire & Ice, Fake FI), Case Hardened (Blue Gem), Autotronic, Slaughter, Black Laminate, Tiger Tooth, Boreal Forest, Scorched, Blue Steel, Vanilla, Damascus Steel, Forest DDPAT, Urban Masked, Freehand, Stained, Bright Water, Safari Mesh, Rust Coat, Gloves - Bloodhound Gloves (Charred, Snakebite, Guerrilla, Bronzed), Driver Gloves (Snow Leopard, King Snake, Crimson Weave, Imperial Plaid, Black Tie, Lunar Weave, Diamondback, Rezan the Red, Overtake, Queen Jaguar, Convoy, Racing Green), Hand Wraps (Cobalt Skulls, CAUTION!, Overprint, Slaughter, Leather, Giraffe, Badlands, Spruce DDPAT, Arboreal, Constrictor, Desert Shamagh, Duct Tape), Moto Gloves (Spearmint, POW!, Cool Mint, Smoke Out, Finish Line, Polygon, Blood Pressure, Turtle, Boom!, Eclipse, 3rd Commando Company, Transport), Specialist Gloves (Crimson Kimono, Tiger Strike, Emerald Web, Field Agent, Marble Fade, Fade, Foundation, Lt. Commander, Crimson Web, Mogul, Forest DDPAT, Buckshot), Sport Gloves (Pandora's Box, Superconductor, Hedge Maze, Vice, Amphibious, Slingshot, Omega, Arid, Big Game, Nocts, Scarlet Shamagh, Bronze Morph), Hydra Gloves (Case Hardened, Emerald, Rattler, Mangrove), Broken Fang Gloves (Jade, Yellow-banded, Unhinged, Needle Point), Pistols - P2000 (Wicked Sick, Ocean Foam, Fire Element, Amber Fade, Corticera, Chainmail, Imperial Dragon, Obsidian, Scorpion, Handgun, Acid Etched), USP-S (Printstream, Kill Confirmed, Whiteout, Road Rash, Owergrowth, The Traitor, Neo-Noir, Dark Water, Orion, Blueprint, Stainless, Caiman, Serum, Monster Mashup, Royal Blue, Ancient Visions, Cortex, Orange Anolis, Ticket To Hell, Black Lotus, Cyrex, Check Engine, Guardian, Purple DDPAT, Torque, Blood Tiger, Flashback, Business Class, Pathfinder, Para Green), Lead Conduit, Glock-18 (Ramese's Reach, Umbral Rabbit, Fade, Candy Apple, Bullet Queen, Synth Leaf, Neo-Noir, Nuclear Garden, Dragon Tatto, Reactor, Pink DDPAT, Twilight Galaxy, Sand Dune, Groundwater, Blue Fissure, Snack Attack, Water Elemental, Brass, Wasteland Rebel, Vogue, Franklin, Royal Legion, Gamma Doppler, Weasel, Steel Disruption, Ironwork, Grinder, High Beam, Moonrise, Oxide Blaze, Bunsen Burner, Clear Polymer, Bunsen Burner, Night), P250 (Apep's Curse, Re.built, Nuclear Threat, Modern Hunter, Splash, Whiteout, Vino Primo, Mehndi, Asiimov, Visions, Undertow, Cartel, See Ya Later, Gunsmoke, Splash, Digital Architect, Muertos, Red Rock, Bengal Tiger, Crimson Kimono, Wingshot, Metallic DDPAT, Hive, Dark Filigree, Mint Kimono), Five-Seven (Neon Kimono, Berries And Cherries, Fall Hazard, Crimson Blossom, Hyper Beast, Nitro, Fairy Tale, Case Hardened, Copper Galaxy, Angry Mob, Monkey Business, Fowl Play, Anodized Gunmetal, Hot Shot, Retrobution, Boost Protocol), CZ75-Auto (Chalice, Crimson Web, Emerald Quartz, The Fuschia is Now, Nitro, Xiangliu, Yellow Jacket, Victoria, Poison Dart, Syndicate, Eco, Hexane, Pole, Tigris), Tec-9 (Mummy's Rot, Rebel, Terrace, Nuclear Threat, Hades, Rust Leaf, Decimator, Blast From, Orange Murano, Toxic, Fuel Injector, Remote Control, Bamboo Forest, Isaac, Avalanche, Brother, Re-Entry, Blue Titanium, Bamboozle), R8 Revolver (Banana Cannon, Fade, Blaze, Crimson Web, Liama Cannon, Crazy 8, Reboot, Canal Spray, Night, Amber Fade), Desert Eagle (Blaze, Hand Cannon, Fennec Fox, Sunset Storm, Emerald Jörmungandr, Pilot, Hypnotic, Golden Koi, Printstream, Cobalt Disruption, Code Red, Ocean Drive, Midnight Storm, Kumicho Dragon, Crimson Web, Heirloom, Night Heist, Mecha Industries, Night, Conspiracy, Trigger Discipline, Naga, Directive, Light Rail), Dual Berettas (Flora Carnivora, Duelist, Cobra Strike, Black Limba, Emerald, Hemoglobin, Twin Turbo, Marina, Melondrama, Pyre, Retribution, Briar, Dezastre, Royal Consorts, Urban Shock, Dualing Dragons, Panther, Balance), Rifles - Galil (Aqua Terrace, Winter Forest, Chatterbox, Sugar Rush, Pheonix Blacklight, CAUTION!, Orange DDPAT, Cerberus, Dusk Ruins, Eco, Chromatic Aberration, Stone Cold, Tuxedo, Sandstorm, Shattered, Urban Rubble, Rocket Pop, Kami, Crimson Tsunami, Connexion), SCAR-20 (Fragments, Brass, Cyrex, Palm, Splash Jam, Cardiac, Emerald, Crimson Web, Magna Carta, Stone Mosaico, Bloodsport, Enforcer), AWP (Black Nile, Duality, Gungnir, Dragon Lore, Prince, Medusa, Desert Hydra, Fade, Lightning Strike, Oni Taiji, Silk Tiger, Graphite, Chromatic Aberration, Asiimov, Snake Camo, Boom, Containment Breach, Wildfire, Redline, Electric Hive, Hyper Beast, Neo-Noir, Man-o'-war, Pink DDPAT, Corticera, Sun in Leo, Elite Build, Fever Dream, Atheris, Mortis, PAW, Exoskeleton, Worm God, POP AWP, Phobos, Acheron, Pit Viper, Capillary, Safari Mesh), AK-47 (Steel Delta, Head Shot, Wild Lotus, Gold Arabesque, X-Ray, Fire Serpent, Hydroponic, Panthera Onca, Case Hardened, Vulcan, Jet Set, Fuel Injector, Bloodsport, Nightwish, First Class, Neon Rider, Asiimov, Red Laminate, Aquamarine Revenge, The Empress, Wasteland Rebel, Jaguar, Black Laminate, Leet Museo, Neon Revolution, Redline, Frontside Misty, Predator, Legion of Anubis, Point Disarray, Orbit Mk01, Blue Laminate, Green Laminate, Emerald Pinstripe, Cartel, Phantom Disruptor, Jungle Spray, Safety Net, Rat Rod, Baroque Purple, Slate, Elite Build, Uncharted, Safari Mesh), FAMAS (Waters of Nephthys, Sundown, Prime Conspiracy, Afterimage, Commemoration, Dark Water, Spitfire, Pulse, Eye of Athena, Meltdown, Rapid Eye Move, Roll Cage, Styx, Mecha Industrie, Djinn, ZX Spectron, Valence, Neural Net, Night Borre, Hexne), M4A4 (Eye of Horus, Temukau, Howl, Poseidon, Asiimov, Daybreak, Hellfire, Zirka, Red DDPAT, Radiation Hazard, Modern Hunter, The Emperor, The Coalition, Bullet Rain, Cyber Security, X-Ray, Dark Blossom, Buzz Kill, In Living Color, Neo-Noir, Desolate Space, 龍王 (Dragon King), Royal Paladin, The Battlestar, Global Offensive, Tooth Fairy, Desert-Strike, Griffin, Evil Daimyo, Spider Lily, Converter), M4A1-S (Emphorosaur-S, Welcome to the Jungle, Imminent Danger, Knight, Hot Rod, Icarus Fell, Blue Phosphor, Printstream, Master Piece, Dark Water, Golden Coil, Bright Water, Player Two, Atomic Alloy, Guardian, Chantico's Fire, Hyper Beast, Mecha Industries, Cyrex, Control Panel, Moss Quartz, Nightmare, Decimator, Leaded Glass, Basilisk, Blood Tiger, Briefing, Night Terror, Nitro, VariCamo, Flashback), SG 553 (Cyberforce, Hazard Pay, Bulldozer, Integrale, Dragon Tech, Ultraviolet, Colony IV, Hypnotic, Cyrex, Candy Apple, Barricade, Pulse), SSG 08 (Death Strike, Sea Calico, Blood in the Water, Orange Filigree, Dragonfire, Big Iron, Bloodshot, Detour, Turbo Peek, Red Stone), AUG (Akihabara Accept, Flame Jörmungandr, Hot Rod, Midnight Lily, Sand Storm, Carved Jade, Wings, Anodized Navy, Death by Puppy, Torque, Bengal Tiger, Chameleon, Fleet Flock, Random Access, Momentum, Syd Mead, Stymphalian, Arctic Wolf, Aristocrat, Navy Murano), G3SG1 (Chronos, Violet Murano, Flux, Demeter, Orange Kimono, The Executioner, Green Apple, Arctic Polar Camo, Contractor), SMGs - P90 (ScaraB Rush, Neoqueen, Astral Jörmungandr, Run and Hide, Emerald Dragon, Cold Blooded, Death by Kitty, Baroque Red, Vent Rush, Blind Spot, Asiimov, Trigon, Sunset Lily, Death Grip, Leather, Nostalgia, Fallout Warning, Tiger Pit, Schermatic, Virus, Shapewood, Glacier Mesh, Shallow Grave, Chopper, Desert Warfare), MAC-10 (Sakkaku, Hot Snakes, Copper Borre, Red Filigree, Gold Brick, Graven, Case Hardened, Stalker, Amber Fade, Neon Rider, Tatter, Curse, Propaganda, Nuclear Garden, Disco Tech, Toybox, Heat, Indigo), UMP-45 (Wild Child, Fade, Blaze, Day Lily, Minotaur's Labyrinth, Crime Scene, Caramel, Bone Pile, Momentum, Primal Saber), MP7 (Teal Blossom, Fade, Nemesis, Whiteout, Asterion, Bloosport, Abyssal Apparition, Full Stop, Special Delivery, Neon Ply, Asterion, Ocean Foam, Powercore, Scorched, Impire), PP-Bizon (Modern Hunter, Rust Coat, Forest Leaves, Antique, High Roller, Blue Streak, Seabird, Judgement of Anubis, Bamboo Print, Embargo, Chemical Green, Coblat Halftone, Fuel Rod, Photic Zone, Irradiated Alert, Carbon Fiber), MP9 (Featherweight, Wild Lily, Pandora's Box, Stained Glass, Bulldozer, Dark Age, Hot Rod, Hypnotic, Hydra, Rose Iron, Music Box, Setting Sun, Food Chain, Airlock, Mount Fuji, Starlight Protector, Ruby Poison Dart, Deadly Poison), MP5-SD (Liquidation, Oxide Oasis, Phosphor, Nitro, Agent, Autumn Twilly), Shotguns, Machineguns - Sawed-Off (Kiss♥Love, First Class, Orange DDPAT, Rust Coat, The Kraken, Devourer, Mosaico, Wasteland Princess, Bamboo Shadow, Copper, Serenity, Limelight, Apocalypto), XM1014 (Frost Borre, Ancient Lore, Red Leather, Elegant Vines, Banana Leaf, Jungle, Urban Perforated, Grassland, Blaze Orange, Heaven Guard, VariCamo Blue, Entombed, XOXO, Seasons, Tranquility, Bone Machine, Incinegator, Teclu Burner, Black Tie, Zombie Offensive, Watchdog), Nova (Sobek's Bite, Baroque Orange, Hyper Beast, Green Apple, Antique, Modern Hunter, Walnut, Forest Leaves, Graphite, Blaze Orange, Rising Skull, Tempest, Bloomstick, Interlock, Quick Sand, Moon in Libra, Clean Polymer, Red Quartz, Toy Soldier), MAG-7 (Copper Coated, Insomnia, Cinqueda, Counter Terrace, Prism Terrace, Memento, Chainmail, Hazard, Justice, Bulldozer, Silver, Core Breach, Firestarter, Praetorian, Heat, Hard Water, Monster Call, BI83 Spectrum, SWAG-7), M249 (Humidor, Shipping Forecast, Blizzard Marbleized, Downtown, Jungle DDPAT, Nebula Crusader, Impact Drill, Emerald Poison Dart), Negev (Mjölnir, Anodized Navy, Palm, Power Loader, Bratatat, CaliCamo, Phoenix Stencil, Infrastructure, Boroque Sand), Wear - Factory New (FN), Minimal Wear (MW), Field-Tested (FT), Well-Worn (WW), Battle-Scarred (BS), Stickers Holo/Foil/Gold - Katowice 2014, Krakow 2017, Howling Dawn, Katowice 2015, Crown, London 2018, Cologne 2014, Boston 2018, Atlanta 2017, Cluj-Napoca 2015, DreamHack 2014, King on the Field, Harp of War, Winged Difuser, Cologne 2016, Cologne 2015, MLG Columbus 2016, Katowice 2019, Berlin 2019, RMR 2020, Stockholm 2021, Antwerp 2022, Paris 2023, Swag Foil, Flammable foil, Others - Souvenirs, Agents, Pins, Passes, Gifts, Music Kits, Cases, Keys, Capsules, Packages, Patches

Some items on the list may no longer be available or are still locked, visit My Inventory for more details.

Send a Trade Offer for fastest response. I consider all offers.

Add me for discuss if there is a serious offer that needs to be discussed.

submitted by _Triple_ to GlobalOffensiveTrade [link] [comments]

2024.05.16 08:44 Instant_fund_za Grab Payday Loans Online South Africa For Handling Emergencies @InstantFund

Grab Payday Loans Online South Africa For Handling Emergencies @InstantFund
https://preview.redd.it/8f6qp8fsiq0d1.jpg?width=733&format=pjpg&auto=webp&s=b9251686b6ecad05ec33e890e578c7c0f9110e7a
If you are struggling hard with financial deficiency and wanted to handle emergencies on time, then in such messy situation it is better to apply for payday loans online in South Africa. Instant Fund helps you borrow online payday loans to meet your urgent but short term needs. Payday loans online in South Africa are short-term, high-interest loans designed to provide quick financial relief to the people who are currently laid off from job or finding the suitable one.
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Online Application: Borrowers apply online and provide some details like personal details, employment information, and bank account details.
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Repayment: Repayment of payday loan is generally due on the borrower’s next payday. The repayment amounts automatically withdraw from the borrower’s bank account.
Interest Rates and Fees: Quick payday loans come with high interest rates and fees, making them an expensive borrowing option.
Avail Payday Loans in South Africa Up to R4000
By qualifying for fast cash loans, you can then avail of funds anywhere between R500 to R4000. This amount then can be repaid over 2-4 weeks to 3 months. In the meantime, you have ample time to secure a new job, so that you can easily repay the amount sourced.
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To get approval for payday loans online South Africa you will have to fulfil certain pre-requisite criteria that may be as follows:
· You must be attaining a minimum age of 18 years or above
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· You must have a stable source of income.
Credit Checks Not Required For Online Payday Loans
When you apply for quick payday loans in South Africa, you do not need to go through any credit check. All sorts of credits are acceptable! Therefore, you can apply irrespective of bad credit, poor credit, below-average credit, or no credit issues.
Conclusion
Online payday loans can be a quick fix for short-term financial needs but come with high costs and risks. It's essential to consider alternatives and borrow responsibly if you choose this option. Understanding the terms, planning for repayment, and knowing your legal protections can help you manage a payday loan effectively and avoid falling into a debt trap.
submitted by Instant_fund_za to u/Instant_fund_za [link] [comments]

2024.05.16 08:25 _Triple_ [STORE] 900+ KNIVES/GLOVES/SKINS, 100.000$+ INVENTORY. BFK Lore, Gloves Amphibious, Skeleton Fade, Bowie Emerald, BFK Auto, Gloves MF, Talon Doppler, Gloves POW, Bayo Tiger, Gut Sapphire, Stiletto MF, M9 Ultra, Ursus Doppler, Flip Doppler, M9 Stained, Nomad CW, Paracord CW, AK-47 X-Ray & A Lot More

Everything in my inventory is up for trade. The most valuable items are listed here, the rest you can find in My Inventory

Feel free to Add Me or even better send a Trade Offer. Open for any suggestions: upgrades, downgrades / knives, gloves, skins / stickers, patterns, floats.

All Buyouts are listed in cash value.

KNIVES

★ Butterfly Knife Lore (Factory New), B/O: $7194.77

★ Butterfly Knife Autotronic (Minimal Wear), B/O: $2025.74

⎯

★ M9 Bayonet Ultraviolet (Field-Tested), B/O: $557.87

★ M9 Bayonet Stained (Well-Worn), B/O: $529.41

★ M9 Bayonet Boreal Forest (Field-Tested), B/O: $465.39

⎯

★ Talon Knife Doppler (Factory New), B/O: $1295.27

★ Bayonet Tiger Tooth (Minimal Wear), B/O: $746.28

★ Karambit Bright Water (Field-Tested), B/O: $688.15

⎯

★ Flip Knife Doppler (Factory New), B/O: $547.93

★ Flip Knife Autotronic (Minimal Wear), B/O: $476.69

★ Flip Knife Case Hardened (Battle-Scarred), B/O: $278.18

★ Flip Knife Black Laminate (Well-Worn), B/O: $258.83

★ Flip Knife Urban Masked (Field-Tested), B/O: $181.64

⎯

★ Stiletto Knife Marble Fade (Factory New), B/O: $686.04

★ Stiletto Knife Doppler (Factory New), B/O: $665.41

★ Stiletto Knife, B/O: $601.39

★ Stiletto Knife Crimson Web (Field-Tested), B/O: $418.25

★ Stiletto Knife Night Stripe (Field-Tested), B/O: $227.80

★ Stiletto Knife Boreal Forest (Field-Tested), B/O: $194.96

★ Stiletto Knife Safari Mesh (Field-Tested), B/O: $192.79

⎯

★ Nomad Knife Crimson Web (Field-Tested), B/O: $518.11

★ Nomad Knife Scorched (Field-Tested), B/O: $169.78

★ Nomad Knife Forest DDPAT (Battle-Scarred), B/O: $166.88

★ StatTrak™ Nomad Knife Blue Steel (Field-Tested), B/O: $335.79

⎯

★ Skeleton Knife Stained (Well-Worn), B/O: $442.05

★ Skeleton Knife Urban Masked (Minimal Wear), B/O: $426.24

★ Skeleton Knife Boreal Forest (Field-Tested), B/O: $314.03

★ StatTrak™ Skeleton Knife Fade (Minimal Wear), B/O: $2361.28

★ StatTrak™ Skeleton Knife Urban Masked (Field-Tested), B/O: $376.53

⎯

★ Ursus Knife Doppler (Factory New), B/O: $557.12

★ Ursus Knife, B/O: $471.42

★ Ursus Knife Blue Steel (Minimal Wear), B/O: $212.37

★ Ursus Knife Case Hardened (Battle-Scarred), B/O: $187.66

★ Ursus Knife Damascus Steel (Field-Tested), B/O: $178.18

★ Ursus Knife Ultraviolet (Battle-Scarred), B/O: $155.13

★ Ursus Knife Boreal Forest (Battle-Scarred), B/O: $124.26

⎯

★ Huntsman Knife Black Laminate (Minimal Wear), B/O: $204.83

★ Huntsman Knife Black Laminate (Field-Tested), B/O: $184.50

★ StatTrak™ Huntsman Knife Lore (Battle-Scarred), B/O: $224.11

⎯

★ Bowie Knife Gamma Doppler (Factory New), B/O: $2142.02

★ Bowie Knife, B/O: $230.44

★ Bowie Knife Damascus Steel (Factory New), B/O: $209.20

★ Bowie Knife Ultraviolet (Minimal Wear), B/O: $180.51

★ Bowie Knife Ultraviolet (Field-Tested), B/O: $131.03

⎯

★ Falchion Knife Night (Field-Tested), B/O: $132.54

★ Falchion Knife Urban Masked (Well-Worn), B/O: $112.81

★ Falchion Knife Scorched (Field-Tested), B/O: $108.81

★ Falchion Knife Forest DDPAT (Field-Tested), B/O: $107.82

★ Falchion Knife Safari Mesh (Field-Tested), B/O: $107.46

★ StatTrak™ Falchion Knife Ultraviolet (Field-Tested), B/O: $143.08

⎯

★ Paracord Knife Crimson Web (Minimal Wear), B/O: $486.48

★ Paracord Knife Blue Steel (Battle-Scarred), B/O: $163.12

⎯

★ Survival Knife Blue Steel (Battle-Scarred), B/O: $138.26

★ Survival Knife Night Stripe (Field-Tested), B/O: $131.03

⎯

★ Gut Knife Sapphire (Minimal Wear), B/O: $1127.79

★ Gut Knife Gamma Doppler (Factory New), B/O: $286.17

★ Gut Knife Doppler (Factory New), B/O: $246.55

★ Gut Knife Marble Fade (Factory New), B/O: $240.77

★ Gut Knife, B/O: $210.49

★ Gut Knife Lore (Field-Tested), B/O: $194.22

★ Gut Knife Case Hardened (Battle-Scarred), B/O: $151.51

★ Gut Knife Blue Steel (Minimal Wear), B/O: $124.94

★ Gut Knife Rust Coat (Well-Worn), B/O: $118.99

★ Gut Knife Boreal Forest (Minimal Wear), B/O: $109.80

★ StatTrak™ Gut Knife Doppler (Factory New), B/O: $237.96

⎯

★ Shadow Daggers Gamma Doppler (Factory New), B/O: $264.92

★ Shadow Daggers Marble Fade (Factory New), B/O: $253.03

★ Shadow Daggers Tiger Tooth (Factory New), B/O: $237.22

★ Shadow Daggers Crimson Web (Field-Tested), B/O: $153.40

★ Shadow Daggers Autotronic (Minimal Wear), B/O: $144.42

★ Shadow Daggers Blue Steel (Field-Tested), B/O: $105.20

★ StatTrak™ Shadow Daggers Damascus Steel (Minimal Wear), B/O: $150.46

⎯

★ Navaja Knife Fade (Factory New), B/O: $365.99

★ Navaja Knife Doppler (Factory New), B/O: $228.93

★ Navaja Knife Marble Fade (Factory New), B/O: $227.43

★ Navaja Knife Slaughter (Factory New), B/O: $209.06

★ Navaja Knife, B/O: $203.16

★ Navaja Knife Case Hardened (Well-Worn), B/O: $132.57

★ Navaja Knife Damascus Steel (Factory New), B/O: $121.69

★ Navaja Knife Damascus Steel (Minimal Wear), B/O: $109.95

★ Navaja Knife Damascus Steel (Field-Tested), B/O: $100.41

★ StatTrak™ Navaja Knife Fade (Factory New), B/O: $369.01

★ StatTrak™ Navaja Knife Damascus Steel (Field-Tested), B/O: $109.95

GLOVES

★ Sport Gloves Amphibious (Minimal Wear), B/O: $2394.67

★ Sport Gloves Omega (Well-Worn), B/O: $572.33

★ Sport Gloves Bronze Morph (Minimal Wear), B/O: $338.88

★ Sport Gloves Big Game (Field-Tested), B/O: $323.66

⎯

★ Specialist Gloves Marble Fade (Minimal Wear), B/O: $1652.07

★ Specialist Gloves Tiger Strike (Field-Tested), B/O: $599.14

★ Specialist Gloves Crimson Web (Well-Worn), B/O: $231.57

★ Specialist Gloves Buckshot (Minimal Wear), B/O: $126.21

⎯

★ Moto Gloves POW! (Minimal Wear), B/O: $996.99

★ Moto Gloves POW! (Field-Tested), B/O: $383.31

★ Moto Gloves POW! (Well-Worn), B/O: $276.00

★ Moto Gloves Turtle (Field-Tested), B/O: $180.28

⎯

★ Hand Wraps CAUTION! (Minimal Wear), B/O: $502.29

★ Hand Wraps Giraffe (Minimal Wear), B/O: $180.73

★ Hand Wraps CAUTION! (Battle-Scarred), B/O: $178.32

⎯

★ Driver Gloves Queen Jaguar (Minimal Wear), B/O: $181.01

★ Driver Gloves Rezan the Red (Field-Tested), B/O: $101.66

⎯

★ Broken Fang Gloves Jade (Field-Tested), B/O: $127.88

★ Broken Fang Gloves Needle Point (Minimal Wear), B/O: $124.55

⎯

★ Bloodhound Gloves Guerrilla (Minimal Wear), B/O: $127.94

★ Hydra Gloves Case Hardened (Field-Tested), B/O: $102.55

WEAPONS

AK-47 X-Ray (Well-Worn), B/O: $478.95

AUG Hot Rod (Factory New), B/O: $425.83

StatTrak™ M4A1-S Hyper Beast (Factory New), B/O: $413.95

M4A4 Daybreak (Factory New), B/O: $309.51

StatTrak™ AK-47 Aquamarine Revenge (Factory New), B/O: $305.43

AK-47 Case Hardened (Well-Worn), B/O: $196.38

StatTrak™ M4A4 Temukau (Minimal Wear), B/O: $174.64

P90 Run and Hide (Field-Tested), B/O: $167.03

AWP Asiimov (Field-Tested), B/O: $153.33

Souvenir SSG 08 Death Strike (Minimal Wear), B/O: $140.00

M4A1-S Printstream (Battle-Scarred), B/O: $124.70

StatTrak™ M4A1-S Golden Coil (Field-Tested), B/O: $117.48

AWP Asiimov (Well-Worn), B/O: $115.97

StatTrak™ Desert Eagle Printstream (Minimal Wear), B/O: $112.96

StatTrak™ AK-47 Asiimov (Minimal Wear), B/O: $110.85

Souvenir M4A1-S Master Piece (Well-Worn), B/O: $102.42

AK-47 Bloodsport (Minimal Wear), B/O: $100.53

Trade Offer Link - Steam Profile Link - My Inventory

Knives - Bowie Knife, Butterfly Knife, Falchion Knife, Flip Knife, Gut Knife, Huntsman Knife, M9 Bayonet, Bayonet, Karambit, Shadow Daggers, Stiletto Knife, Ursus Knife, Navaja Knife, Talon Knife, Classic Knife, Paracord Knife, Survival Knife, Nomad Knife, Skeleton Knife, Patterns - Gamma Doppler, Doppler (Phase 1, Phase 2, Phase 3, Phase 4, Black Pearl, Sapphire, Ruby, Emerald), Crimson Web, Lore, Fade, Ultraviolet, Night, Marble Fade (Fire & Ice, Fake FI), Case Hardened (Blue Gem), Autotronic, Slaughter, Black Laminate, Tiger Tooth, Boreal Forest, Scorched, Blue Steel, Vanilla, Damascus Steel, Forest DDPAT, Urban Masked, Freehand, Stained, Bright Water, Safari Mesh, Rust Coat, Gloves - Bloodhound Gloves (Charred, Snakebite, Guerrilla, Bronzed), Driver Gloves (Snow Leopard, King Snake, Crimson Weave, Imperial Plaid, Black Tie, Lunar Weave, Diamondback, Rezan the Red, Overtake, Queen Jaguar, Convoy, Racing Green), Hand Wraps (Cobalt Skulls, CAUTION!, Overprint, Slaughter, Leather, Giraffe, Badlands, Spruce DDPAT, Arboreal, Constrictor, Desert Shamagh, Duct Tape), Moto Gloves (Spearmint, POW!, Cool Mint, Smoke Out, Finish Line, Polygon, Blood Pressure, Turtle, Boom!, Eclipse, 3rd Commando Company, Transport), Specialist Gloves (Crimson Kimono, Tiger Strike, Emerald Web, Field Agent, Marble Fade, Fade, Foundation, Lt. Commander, Crimson Web, Mogul, Forest DDPAT, Buckshot), Sport Gloves (Pandora's Box, Superconductor, Hedge Maze, Vice, Amphibious, Slingshot, Omega, Arid, Big Game, Nocts, Scarlet Shamagh, Bronze Morph), Hydra Gloves (Case Hardened, Emerald, Rattler, Mangrove), Broken Fang Gloves (Jade, Yellow-banded, Unhinged, Needle Point), Pistols - P2000 (Wicked Sick, Ocean Foam, Fire Element, Amber Fade, Corticera, Chainmail, Imperial Dragon, Obsidian, Scorpion, Handgun, Acid Etched), USP-S (Printstream, Kill Confirmed, Whiteout, Road Rash, Owergrowth, The Traitor, Neo-Noir, Dark Water, Orion, Blueprint, Stainless, Caiman, Serum, Monster Mashup, Royal Blue, Ancient Visions, Cortex, Orange Anolis, Ticket To Hell, Black Lotus, Cyrex, Check Engine, Guardian, Purple DDPAT, Torque, Blood Tiger, Flashback, Business Class, Pathfinder, Para Green), Lead Conduit, Glock-18 (Ramese's Reach, Umbral Rabbit, Fade, Candy Apple, Bullet Queen, Synth Leaf, Neo-Noir, Nuclear Garden, Dragon Tatto, Reactor, Pink DDPAT, Twilight Galaxy, Sand Dune, Groundwater, Blue Fissure, Snack Attack, Water Elemental, Brass, Wasteland Rebel, Vogue, Franklin, Royal Legion, Gamma Doppler, Weasel, Steel Disruption, Ironwork, Grinder, High Beam, Moonrise, Oxide Blaze, Bunsen Burner, Clear Polymer, Bunsen Burner, Night), P250 (Apep's Curse, Re.built, Nuclear Threat, Modern Hunter, Splash, Whiteout, Vino Primo, Mehndi, Asiimov, Visions, Undertow, Cartel, See Ya Later, Gunsmoke, Splash, Digital Architect, Muertos, Red Rock, Bengal Tiger, Crimson Kimono, Wingshot, Metallic DDPAT, Hive, Dark Filigree, Mint Kimono), Five-Seven (Neon Kimono, Berries And Cherries, Fall Hazard, Crimson Blossom, Hyper Beast, Nitro, Fairy Tale, Case Hardened, Copper Galaxy, Angry Mob, Monkey Business, Fowl Play, Anodized Gunmetal, Hot Shot, Retrobution, Boost Protocol), CZ75-Auto (Chalice, Crimson Web, Emerald Quartz, The Fuschia is Now, Nitro, Xiangliu, Yellow Jacket, Victoria, Poison Dart, Syndicate, Eco, Hexane, Pole, Tigris), Tec-9 (Mummy's Rot, Rebel, Terrace, Nuclear Threat, Hades, Rust Leaf, Decimator, Blast From, Orange Murano, Toxic, Fuel Injector, Remote Control, Bamboo Forest, Isaac, Avalanche, Brother, Re-Entry, Blue Titanium, Bamboozle), R8 Revolver (Banana Cannon, Fade, Blaze, Crimson Web, Liama Cannon, Crazy 8, Reboot, Canal Spray, Night, Amber Fade), Desert Eagle (Blaze, Hand Cannon, Fennec Fox, Sunset Storm, Emerald Jörmungandr, Pilot, Hypnotic, Golden Koi, Printstream, Cobalt Disruption, Code Red, Ocean Drive, Midnight Storm, Kumicho Dragon, Crimson Web, Heirloom, Night Heist, Mecha Industries, Night, Conspiracy, Trigger Discipline, Naga, Directive, Light Rail), Dual Berettas (Flora Carnivora, Duelist, Cobra Strike, Black Limba, Emerald, Hemoglobin, Twin Turbo, Marina, Melondrama, Pyre, Retribution, Briar, Dezastre, Royal Consorts, Urban Shock, Dualing Dragons, Panther, Balance), Rifles - Galil (Aqua Terrace, Winter Forest, Chatterbox, Sugar Rush, Pheonix Blacklight, CAUTION!, Orange DDPAT, Cerberus, Dusk Ruins, Eco, Chromatic Aberration, Stone Cold, Tuxedo, Sandstorm, Shattered, Urban Rubble, Rocket Pop, Kami, Crimson Tsunami, Connexion), SCAR-20 (Fragments, Brass, Cyrex, Palm, Splash Jam, Cardiac, Emerald, Crimson Web, Magna Carta, Stone Mosaico, Bloodsport, Enforcer), AWP (Black Nile, Duality, Gungnir, Dragon Lore, Prince, Medusa, Desert Hydra, Fade, Lightning Strike, Oni Taiji, Silk Tiger, Graphite, Chromatic Aberration, Asiimov, Snake Camo, Boom, Containment Breach, Wildfire, Redline, Electric Hive, Hyper Beast, Neo-Noir, Man-o'-war, Pink DDPAT, Corticera, Sun in Leo, Elite Build, Fever Dream, Atheris, Mortis, PAW, Exoskeleton, Worm God, POP AWP, Phobos, Acheron, Pit Viper, Capillary, Safari Mesh), AK-47 (Steel Delta, Head Shot, Wild Lotus, Gold Arabesque, X-Ray, Fire Serpent, Hydroponic, Panthera Onca, Case Hardened, Vulcan, Jet Set, Fuel Injector, Bloodsport, Nightwish, First Class, Neon Rider, Asiimov, Red Laminate, Aquamarine Revenge, The Empress, Wasteland Rebel, Jaguar, Black Laminate, Leet Museo, Neon Revolution, Redline, Frontside Misty, Predator, Legion of Anubis, Point Disarray, Orbit Mk01, Blue Laminate, Green Laminate, Emerald Pinstripe, Cartel, Phantom Disruptor, Jungle Spray, Safety Net, Rat Rod, Baroque Purple, Slate, Elite Build, Uncharted, Safari Mesh), FAMAS (Waters of Nephthys, Sundown, Prime Conspiracy, Afterimage, Commemoration, Dark Water, Spitfire, Pulse, Eye of Athena, Meltdown, Rapid Eye Move, Roll Cage, Styx, Mecha Industrie, Djinn, ZX Spectron, Valence, Neural Net, Night Borre, Hexne), M4A4 (Eye of Horus, Temukau, Howl, Poseidon, Asiimov, Daybreak, Hellfire, Zirka, Red DDPAT, Radiation Hazard, Modern Hunter, The Emperor, The Coalition, Bullet Rain, Cyber Security, X-Ray, Dark Blossom, Buzz Kill, In Living Color, Neo-Noir, Desolate Space, 龍王 (Dragon King), Royal Paladin, The Battlestar, Global Offensive, Tooth Fairy, Desert-Strike, Griffin, Evil Daimyo, Spider Lily, Converter), M4A1-S (Emphorosaur-S, Welcome to the Jungle, Imminent Danger, Knight, Hot Rod, Icarus Fell, Blue Phosphor, Printstream, Master Piece, Dark Water, Golden Coil, Bright Water, Player Two, Atomic Alloy, Guardian, Chantico's Fire, Hyper Beast, Mecha Industries, Cyrex, Control Panel, Moss Quartz, Nightmare, Decimator, Leaded Glass, Basilisk, Blood Tiger, Briefing, Night Terror, Nitro, VariCamo, Flashback), SG 553 (Cyberforce, Hazard Pay, Bulldozer, Integrale, Dragon Tech, Ultraviolet, Colony IV, Hypnotic, Cyrex, Candy Apple, Barricade, Pulse), SSG 08 (Death Strike, Sea Calico, Blood in the Water, Orange Filigree, Dragonfire, Big Iron, Bloodshot, Detour, Turbo Peek, Red Stone), AUG (Akihabara Accept, Flame Jörmungandr, Hot Rod, Midnight Lily, Sand Storm, Carved Jade, Wings, Anodized Navy, Death by Puppy, Torque, Bengal Tiger, Chameleon, Fleet Flock, Random Access, Momentum, Syd Mead, Stymphalian, Arctic Wolf, Aristocrat, Navy Murano), G3SG1 (Chronos, Violet Murano, Flux, Demeter, Orange Kimono, The Executioner, Green Apple, Arctic Polar Camo, Contractor), SMGs - P90 (ScaraB Rush, Neoqueen, Astral Jörmungandr, Run and Hide, Emerald Dragon, Cold Blooded, Death by Kitty, Baroque Red, Vent Rush, Blind Spot, Asiimov, Trigon, Sunset Lily, Death Grip, Leather, Nostalgia, Fallout Warning, Tiger Pit, Schermatic, Virus, Shapewood, Glacier Mesh, Shallow Grave, Chopper, Desert Warfare), MAC-10 (Sakkaku, Hot Snakes, Copper Borre, Red Filigree, Gold Brick, Graven, Case Hardened, Stalker, Amber Fade, Neon Rider, Tatter, Curse, Propaganda, Nuclear Garden, Disco Tech, Toybox, Heat, Indigo), UMP-45 (Wild Child, Fade, Blaze, Day Lily, Minotaur's Labyrinth, Crime Scene, Caramel, Bone Pile, Momentum, Primal Saber), MP7 (Teal Blossom, Fade, Nemesis, Whiteout, Asterion, Bloosport, Abyssal Apparition, Full Stop, Special Delivery, Neon Ply, Asterion, Ocean Foam, Powercore, Scorched, Impire), PP-Bizon (Modern Hunter, Rust Coat, Forest Leaves, Antique, High Roller, Blue Streak, Seabird, Judgement of Anubis, Bamboo Print, Embargo, Chemical Green, Coblat Halftone, Fuel Rod, Photic Zone, Irradiated Alert, Carbon Fiber), MP9 (Featherweight, Wild Lily, Pandora's Box, Stained Glass, Bulldozer, Dark Age, Hot Rod, Hypnotic, Hydra, Rose Iron, Music Box, Setting Sun, Food Chain, Airlock, Mount Fuji, Starlight Protector, Ruby Poison Dart, Deadly Poison), MP5-SD (Liquidation, Oxide Oasis, Phosphor, Nitro, Agent, Autumn Twilly), Shotguns, Machineguns - Sawed-Off (Kiss♥Love, First Class, Orange DDPAT, Rust Coat, The Kraken, Devourer, Mosaico, Wasteland Princess, Bamboo Shadow, Copper, Serenity, Limelight, Apocalypto), XM1014 (Frost Borre, Ancient Lore, Red Leather, Elegant Vines, Banana Leaf, Jungle, Urban Perforated, Grassland, Blaze Orange, Heaven Guard, VariCamo Blue, Entombed, XOXO, Seasons, Tranquility, Bone Machine, Incinegator, Teclu Burner, Black Tie, Zombie Offensive, Watchdog), Nova (Sobek's Bite, Baroque Orange, Hyper Beast, Green Apple, Antique, Modern Hunter, Walnut, Forest Leaves, Graphite, Blaze Orange, Rising Skull, Tempest, Bloomstick, Interlock, Quick Sand, Moon in Libra, Clean Polymer, Red Quartz, Toy Soldier), MAG-7 (Copper Coated, Insomnia, Cinqueda, Counter Terrace, Prism Terrace, Memento, Chainmail, Hazard, Justice, Bulldozer, Silver, Core Breach, Firestarter, Praetorian, Heat, Hard Water, Monster Call, BI83 Spectrum, SWAG-7), M249 (Humidor, Shipping Forecast, Blizzard Marbleized, Downtown, Jungle DDPAT, Nebula Crusader, Impact Drill, Emerald Poison Dart), Negev (Mjölnir, Anodized Navy, Palm, Power Loader, Bratatat, CaliCamo, Phoenix Stencil, Infrastructure, Boroque Sand), Wear - Factory New (FN), Minimal Wear (MW), Field-Tested (FT), Well-Worn (WW), Battle-Scarred (BS), Stickers Holo/Foil/Gold - Katowice 2014, Krakow 2017, Howling Dawn, Katowice 2015, Crown, London 2018, Cologne 2014, Boston 2018, Atlanta 2017, Cluj-Napoca 2015, DreamHack 2014, King on the Field, Harp of War, Winged Difuser, Cologne 2016, Cologne 2015, MLG Columbus 2016, Katowice 2019, Berlin 2019, RMR 2020, Stockholm 2021, Antwerp 2022, Paris 2023, Swag Foil, Flammable foil, Others - Souvenirs, Agents, Pins, Passes, Gifts, Music Kits, Cases, Keys, Capsules, Packages, Patches

Some items on the list may no longer be available or are still locked, visit My Inventory for more details.

Send a Trade Offer for fastest response. I consider all offers.

Add me for discuss if there is a serious offer that needs to be discussed.

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2024.05.16 07:42 Grand-Big-3114 Mega Swerte VIP – Your Ultimate Guide: How to Play Scatter Wins in the Philippines 2024

Mega Swerte VIP – Your Ultimate Guide: How to Play Scatter Wins in the Philippines 2024
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megaswertevip.com

Introduction

Welcome to your ultimate guide on how to play Scatter Wins in Mega Swerte VIP! If you're looking to maximize your gaming experience and increase your chances of winning, this guide is for you. Scatter Wins, a popular feature in many slot games, offers exciting gameplay and significant rewards. In this comprehensive guide, we'll cover everything you need to know to become a Scatter Wins pro. 🎰💸

Table of Contents

What is Mega Swerte VIP?
Understanding Scatter Wins
What are Scatter Symbols?
How Scatter Wins Work
Getting Started with Mega Swerte VIP
Creating an Account
Navigating the Platform
How to Play Scatter Wins
Game Rules
Winning Combinations
Payout Structure
Tips for Winning at Scatter Wins
Betting Strategies
Managing Your Bankroll
Leveraging Bonuses and Promotions
Advanced Strategies for Scatter Wins
Analyzing Game Patterns
Using Statistical Analysis
Common Mistakes to Avoid
FAQs about Scatter Wins
Conclusion
📷

What is Mega Swerte VIP?

Mega Swerte VIP is an online gaming platform that offers a variety of slot games, including those featuring Scatter Wins. Known for its user-friendly interface and diverse game selection, Mega Swerte VIP provides players with a premium gaming experience.
Mega Swerte VIP stands out in the crowded online gaming market due to its commitment to quality and player satisfaction. The platform offers an extensive library of games, each designed with vibrant graphics and immersive sound effects that enhance the gaming experience. Whether you are a novice or a seasoned player, Mega Swerte VIP caters to all skill levels with games ranging from simple, classic slots to more complex, multi-featured games. Additionally, the platform is continuously updated with new games and features, ensuring that players always have fresh content to enjoy.
Furthermore, Mega Swerte VIP is known for its generous bonuses and promotions, which can significantly boost your bankroll and extend your gameplay. New players are often greeted with welcome bonuses, while regular players can take advantage of reload bonuses, free spins, and other promotions. The platform also emphasizes security and fairness, using advanced encryption technologies to protect player data and ensuring all games are tested for fairness. With its excellent customer support and robust community, Mega Swerte VIP offers a comprehensive and enjoyable online gaming experience for all its users.
📷

Understanding Scatter Wins

What are Scatter Symbols?

Scatter symbols are special icons in slot games that trigger various bonuses and free spins when a specific number of them appear anywhere on the reels. Unlike regular symbols that need to align on a payline to generate a win, scatter symbols can appear in any position and still result in a payout or activate a bonus feature. This unique characteristic makes scatter symbols particularly valuable and exciting for players, as they increase the chances of winning without the constraints of paylines.
In many slot games, landing three or more scatter symbols can activate a range of bonus features such as free spins, mini-games, or multipliers, which can significantly boost your winnings. The exact number of scatter symbols required and the bonuses they trigger can vary from one game to another, but the general principle remains the same: the more scatter symbols you land, the better the rewards. This adds an extra layer of excitement and anticipation to the gameplay, as players eagerly watch the reels spin, hoping for scatter symbols to appear.

How Scatter Wins Work

Scatter Wins are triggered when you land a specific number of scatter symbols anywhere on the reels, regardless of their position. This is one of the unique features that set scatter symbols apart from other symbols in slot games, which typically need to align on a payline to count towards a win. When you land the required number of scatter symbols, various bonuses and rewards are activated, adding an extra layer of excitement to the game.
The more scatter symbols you land, the greater the potential rewards. For instance, landing three scatter symbols might grant you a set number of free spins, allowing you to spin the reels without using your own credits. If you land four scatter symbols, you might receive not only free spins but also multipliers that increase the value of your winnings. In some games, landing five scatter symbols can trigger the highest rewards, such as massive multipliers, extended free spins, or even jackpots. These rewards can significantly boost your overall winnings and make the game more thrilling and rewarding.

Getting Started with Mega Swerte VIP

Creating an Account

To play Scatter Wins on Mega Swerte VIP, you need to create an account:
  • Visit the Mega Swerte VIP website.
  • Click on the "Sign Up" button.
  • Fill in your details and verify your email.
  • Log in to your new account.

Navigating the Platform

  • Mega Swerte VIP has an intuitive interface:
  • Dashboard: Access your profile, account settings, and game history.
  • Game Lobby: Browse and select from various slot games.
  • Promotions: Check out the latest bonuses and offers.
📷

How to Play Scatter Wins

Game Rules

  • Reels and Paylines: Understand the game's structure.
  • Betting Options: Choose your bet size.
  • Spinning the Reels: Click the spin button to start the game.

Winning Combinations

  • Scatter Symbols: Learn how many scatter symbols you need to win.
  • Paytable: Check the paytable to understand payouts for different symbols.

Payout Structure

  • Base Game Payouts: Standard winnings for regular symbol combinations.
  • Bonus Payouts: Additional payouts for scatter symbol combinations.

Tips for Winning at Scatter Wins

  1. Betting Strategies
  2. Fixed Bets: Consistent betting for steady gameplay.
  3. Variable Bets: Adjusting bets based on your current bankroll and game progress.

Managing Your Bankroll

  1. Set a Budget: Decide how much you are willing to spend.
  2. Stick to Your Limits: Avoid chasing losses by sticking to your budget.

Leveraging Bonuses and Promotions

  • Welcome Bonuses: Take advantage of new player bonuses.
  • Reload Bonuses: Utilize ongoing promotions to extend your gameplay.

📷

Advanced Strategies for Scatter Wins

Analyzing Game Patterns

Historical Data: One of the key strategies to improve your success with Scatter Wins is to review your past gaming sessions. By analyzing historical data, you can identify patterns in how often scatter symbols appear and the outcomes they trigger. This can give you insights into the game's behavior and help you make more informed decisions in future sessions. Keeping a record of your wins, losses, and the appearance of scatter symbols can be incredibly useful. 📈📝
Probability Analysis: Using statistical tools to predict outcomes can give you a significant edge. Probability analysis involves calculating the likelihood of scatter symbols appearing and the potential rewards they can trigger. There are various software and tools available that can help you with these calculations, providing a more scientific approach to your gameplay. This can help you understand the best times to increase your bets or when to play more conservatively. 📊🔍

Using Statistical Analysis

Return to Player (RTP): The RTP percentage is a crucial factor in determining how much you can expect to win over the long term. RTP is a measure of how much of the total bet amount is paid back to players over time. Games with a higher RTP percentage are generally more favorable as they return more money to players. Understanding the RTP of the game you are playing can help you choose games that offer better chances of winning. 🎲💡
Volatility: Game volatility refers to the risk level of a slot game and can affect your chances of winning. High volatility games offer larger payouts but less frequently, while low volatility games provide smaller, more frequent wins. Knowing the volatility of a game can help you manage your bankroll more effectively and choose a game that matches your risk tolerance and gaming style. For example, if you prefer steady wins, opt for a low volatility game. If you are aiming for big jackpots, a high volatility game might be more suitable. 📉📈

Common Mistakes to Avoid

Over-Betting: One of the most common mistakes players make is placing bets that exceed their budget. It's essential to set a budget and stick to it, regardless of winning or losing streaks. Over-betting can quickly deplete your bankroll and lead to significant losses. Always bet within your means and avoid the temptation to chase losses by placing larger bets. 💸🚫
Ignoring Bonuses: Bonuses and promotions can provide significant boosts to your bankroll and extend your gameplay. Many players overlook these opportunities, missing out on free spins, deposit matches, and other rewards. Make sure to take full advantage of available bonuses and promotions to maximize your chances of winning. Keep an eye on the promotions page and subscribe to newsletters to stay informed about the latest offers. 🎁✨
Lack of Strategy: Playing without a clear strategy is another common mistake. Before you start playing, develop a plan that includes your budget, betting limits, and goals. Having a strategy helps you stay disciplined and focused, reducing the risk of impulsive decisions that can lead to losses. Whether it's managing your bankroll, selecting games with favorable RTP and volatility, or timing your bets based on game patterns, a well-thought-out strategy can significantly enhance your gaming experience. 🧠✔️
📷

Frequently Asked Questions:

Q: How do scatter symbols work?
A: Scatter symbols trigger bonus features and don't need to be on a payline to win.
Q: Can I play Scatter Wins on my mobile?
A: Yes, Mega Swerte VIP is mobile-friendly, allowing you to play on the go.
Q: What is the best strategy for Scatter Wins?
A: Managing your bankroll and leveraging bonuses are key strategies for success.
  1. Conclusion
Playing Scatter Wins in Mega Swerte VIP can be a thrilling and rewarding experience. By understanding the game mechanics, employing effective strategies, and avoiding common pitfalls, you can enhance your chances of hitting those big wins. Ready to try your luck? Sign up today and start spinning!
Conclusions:
Mastering Scatter Wins in Mega Swerte VIP requires a blend of understanding the game mechanics, employing effective strategies, and avoiding common pitfalls. By familiarizing yourself with how scatter symbols work and the bonuses they trigger, you can enhance your gaming experience and increase your chances of winning. Utilizing advanced strategies such as analyzing historical data and probability, as well as understanding key concepts like RTP and volatility, can provide you with a significant edge.
It's also crucial to avoid common mistakes like over-betting, ignoring bonuses, and playing without a clear strategy. Setting a budget, leveraging available promotions, and maintaining a disciplined approach are essential practices for sustained success. Remember, the goal is not just to win, but to enjoy the game responsibly and make the most of the entertainment it offers.
By following this comprehensive guide, you can navigate the exciting world of Scatter Wins with confidence and skill. Whether you're a novice or an experienced player, these insights and tips can help you make informed decisions and enjoy a more rewarding gaming experience. Happy spinning and good luck! 🎰🍀

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About the Author

Deia is a seasoned gaming enthusiast and professional writer with over a decade of experience in the online gaming industry. With a deep passion for slot games and an extensive background in game strategy and analysis, Deia has become a trusted voice in the gaming community. Her insightful articles and guides help players understand complex game mechanics, improve their strategies, and enhance their overall gaming experience.
Deia's expertise is not limited to just playing games; she has a keen interest in the technical and mathematical aspects of gaming, which allows her to provide in-depth and accurate information. She regularly collaborates with gaming developers and industry experts to stay updated on the latest trends and innovations. This ensures that her readers receive the most current and relevant advice.
When she's not writing or playing games, Deia enjoys engaging with the gaming community through forums and social media, where she shares tips, discusses strategies, and learns from other players' experiences. Her dedication to the craft and genuine love for gaming make her articles not only informative but also engaging and enjoyable to read.
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submitted by Grand-Big-3114 to u/Grand-Big-3114 [link] [comments]

2024.05.16 06:32 Savings_Permit7872 A Love Letter to Columbia University

Shortly before a final paper with pre-assigned topics was due for one of my last courses at Columbia University, our professor sent us an email telling us to forego the previous parameters of the essay, and to instead write about the events that had occurred not even forty-eight hours earlier, as well as our reflections on them, to be done in any manner we chose. Here is a very lightly revised version of what I submitted: read it, ignore it, upvote it, downvote it, hate it, love it.
I am prefacing this essay by stating that it is the culmination of several intense emotions that I have been dealing with over the last few weeks, more specifically, the last several days. It is a free-form expression of the many things occupying my mind, and, as such, it may seem overwhelming or disjointed. Nevertheless, I will do my best to convey my feelings into something representative of my beliefs, and my time at this institution.
My time at Columbia University has been bookended in an almost comically bad way; it started with Zoom classes during the COVID-19 pandemic, and now it ends with Zoom final exams due to the lockdown of Columbia’s campus after protests regarding the Israel – Palestine conflict reached a fever pitch not just within Morningside Campus, but the international stage. My classmates and I missed in-person orientation, and now, given recent developments, we will not have a University Commencement, a fact I found out not from Columbia, but a New York Times alert, somehow lowering my opinion of this administration’s handling of recent events even more. While the circumstances around my time at Columbia have now both begun and finished in the same manner, I am proud to say that I have not. I do not mean that Columbia has simply made me a better writer, a more critical thinker, or more well read, although it certainly has done those things, sometimes forcing me to when I was not particularly in the mood to do so, but those improvements pale in comparison to the maturity and empathy my time at this university has given me.
When the decision to transition to remote learning during the Spring 2020 semester was made, occurring only a short time after I had received my acceptance letter (email), my first thought was how the pandemic would affect my transfer from community college to Columbia in September. Admittedly, this was a selfish perspective, considering the tremendous challenges that many would endure during the ensuing lockdowns and other upheavals of life. My concerns were solely focused on myself because I was on a simple track to graduate, place my degree on my resumé, and continue my trajectory of military service to college to employment, leaving little else to consideration, to include other people who were not in my immediate circle. Sitting here now, two weeks from graduation, with a job at a Fortune 500 company lined up, I should be happy, with the plans I had made years ago coming to fruition. Yet I cannot help feeling a sense of sadness and concern for the school I have spent years of my life at, and for the world as a whole.
James Hatch, a former member of the United States’s elite Naval Special Warfare Development Group, or DEVGRU, for short, more commonly known by its nickname, Seal Team Six, famous for its involvement in the killing of Osama Bin Laden and the rescue of the Maersk Alabama Captain Richard Phillips from pirates, amongst other things, spent over twenty years in the military. After being wounded on a mission to rescue American serviceman sergeant Bowe Bergdahl from enemy forces, he was medically discharged, and would eventually attend Yale University. While there, he wrote a piece titled My Semester with the Snowflakes (please give this a read, it will help people who have never been in the military understand its culture, along with some of the challenges veterans face when transitioning to college), where he details his initial discomfort with being in a vastly different environment than the military, surrounded by individuals who possessed opinions and beliefs contrary to the ones he was accustomed to. He recalls witnessing a student protest the country he spent over two decades serving by coating her hand in red paint, and leaving a palm print on an American flag, and details his shock when a classmate of his explained to him what a “safe space” was, as well as his pride when he began to understand the nuances of life both inside and outside of the nation he dedicated twenty-six years to.
I can relate to Mr. Hatch, (despite my service paling in comparison to his, as well as the fact that Columbia is far superior to Yale), because, like his friends who make fun of him for attending college with a bunch of “snowflakes,” mine do the same. More significantly, however, his personal growth during his time at school is something that I have experienced myself. When I started at Columbia, I did not even know which major I would choose, and was largely lost in a world very different than the one I had come from. Despite this, I made the decision to avoid communities such as MilVets and the students who made it very clear that they came from a military background, with their style of dress and demeanor, not because those organizations and individuals are a detriment; I know for a fact that MilVets has helped countless students succeed at Columbia and beyond, and the veterans that I have relationships with are all phenomenal people, but because I wanted to pressure myself into being exposed to something different. I was uncomfortable at first, but this turned out to be the right decision. I learned as much from simply talking to people whom I would normally never converse with about topics and ideas that I had never encountered as I did during classes about great works of art, polar and Cartesian coordinates, literature, astronomy, the list goes on.
If the protests about the Israel – Palestine conflict had occurred when I first started at Columbia, I would have been frustrated by the students taking up space, forcing us to be funneled on to campus by restricted access points and identification checks. Likely irritated by the disturbance of the quiet during finals season, I would have agreed with the people who called for students to simply focus on their assignments and stop inconveniencing others by shouting about something occurring on the other side of the world. Instead, I decided to learn about the conflict, educating myself about both sides of a war that has roots extending back millennia. While Columbia University did not agree to the demands of the protestors, they achieved something else they surely desired, reaching a goal they did not state to President Shafik and her advisors: they brought attention to their cause by educating at least one additional person about it.
After reading, talking to people, listening to input from students within various classes, and understanding that things such as the intertwined nature of financial workings, as well as conflicts not just in the Middle East, but all over the world, are a level of complexity that baffles some of the most brilliant minds of ours and previous generations, I will leave my thoughts about Israel and Palestine separate from this paper. I recognize that it is important to choose a side, as remaining impartial helps no one. However, when every news agency, group and individual makes their voice heard, satirical sources such as The Onion make these kind of posts, or Adult Swim’s Rick, the nihilistic, narcissistic, psychopathic, misanthropic lead character from the series Rick and Morty, addresses the conflict in this manner, I feel that it is better to relegate myself to a much smaller part of this debate, namely the occurrences on Columbia University’s Morningside Campus.
During basic training for the United States Army, a sense of brotherhood and camaraderie is hammered into recruits’ identities. When you graduate and are assigned to a unit, one where you could be thousands of miles from home on the opposite side of the country, or even in a completely different country, serving on one of the international bases, approaching someone who you have never met before is easy. Talking to them about shared experiences and stories you have in common, and the bonding that occurs, is the product of an indoctrination process and lifestyle that has existed longer than any of us have been alive, and is proof of its effectiveness. This sense of familiarity tends to continue even when one leaves the military. The Veterans of Foreign Wars community is a place for prior servicemembers of all conflicts to share a drink, a laugh, and sometimes a tear. When I go to the Veterans Administration Hospital for periodic check-ups or the occasional injury, men and woman wearing hats commemorating their service during Vietnam waiting for their appointments greet me with a smile and a handshake, as if we have known each other for years. While working at a golf club’s greens department before I transferred to Columbia from community college, a coworker of mine who had served in the Gulf War had heard from our supervisor that I had been in the Army, and he introduced himself to me on my first day, before anyone else, telling me that if I needed anything, I only had to ask. This camaraderie has expanded to encompass not just veterans, but first responders such as firemen, EMT’s, and the police as well.
Underneath the picture on my driver’s license, the word “veteran” is emblazoned next to a star, written in bright red text and all capital letters. I know for a fact that this one-and-a-half-inch indicator has helped me during interactions with law enforcement on multiple occasions. Only earlier this semester, during Presidents’ Day weekend, I went upstate to spend time with my family. While driving back, in an effort to make the seven-hour trip at a reasonable time, I was stopped for going twenty miles-per-hour over the speed limit. The officer who pulled me over, initially reserved, became noticeably more friendly when I handed him my license and registration. Ultimately, he gave me what amounted to a parking ticket for my actions, rather than the point-incurring, heavily fined moving violation he could have charged me with.
The ‘Thin Blue Line,’ as it is known, is a reference to the idea that the police are the barrier between law abiding citizens and criminals, order and chaos. The most common representation of this concept is a black-and-white American flag, with a single blue line in the place where a red or white stripe would normally be. This style has been expanded to include numerous other colors representing other first-responders: green for the military, red and white no longer to be interpreted as the traditional stripes of the American flag, but instead meant to represent the fire department and paramedics, and even grey for corrections officers. Seeing the appropriation of one of the most iconic symbols in the world, one that flies above the White House, schools, homes, national and international events, and even the Moon, I can say, as someone who has been unwillingly entangled within that appropriation, is nothing short of terrifying.
The fact that these entities and their supporters have literally sewn themselves into the fabric of the symbol of our nation makes one think that there is little room for the countless other occupations, aspects and people that make up this country. The idea of the police being the sole protectors of our society is patently absurd, and all one must do is point out the many instances of police brutality occurring over the years to refute it. I find myself thinking of how much power the officer who stopped me just three months ago had over me. Initially, I was happy that I had received a slap on the wrist, but recently I have found myself wondering what if my license did not state that I was a veteran, would he have charged me with a ticket that would have had much more serious implications? What if he was simply having a bad day, and he decided he did not like the look of me, or the color of my car, and I was the one who he ultimately decided to vent his frustrations on? This traffic infraction, an incredibly small incident compared to all the turmoil in the world, one that involves two strangers, supposedly bonded by our professions, on the side of a quiet, New York highway, serves as a metaphor to me, reminding me of the power structures at play on a much larger scale.
On April 22nd, 2024, I received this email, one of the many Clery Crime Alerts that students are automatically sent. An affiliate of Columbia University had their car stolen at gunpoint by two masked men on Claremont Avenue, not even a five-minute walk from campus. I skimmed the report, and almost immediately forgot about it, recognizing that crime is an inevitability in major cities, and that I needed to start my commute to school. Days later, on the night of April 30th, 2024, I received another email from Columbia, containing one of the most ominous messages I had ever seen, one that put the kind of fear in my heart that not even the alert of an armed carjacking could. Columbia’s Emergency Management Operations Team, offering no explanations, specifications, or even a greeting or sign-off, wrote in bold letters these three sentences: “Shelter in place for your safety due to heightened activity on the Morningside campus. Non-compliance may result in disciplinary action. Avoid the area until further notice.” Due to the protests on campus during recent weeks, President Shafik testifying before Congress, Columbia’s role as one of the main catalysts for student protests around the country, and the occupation of Hamilton Hall occurring in the earlier hours of that day, it was not hard to figure out what the email was referencing. Over the next several hours, I followed news agencies, remained glued to the Columbia subreddit, and listened to WKCR, in awe of these eighteen- to twenty-two-year-old students putting themselves at risk to deliver on the ground, accurate, unbiased coverage of one of the most significant events in the school’s history.
While tracking the events from multiple perspectives, to include the social media accounts of those near and on campus live streaming them, I held out hope that the university would make good on their promise from several days earlier to not invite the NYPD back, but a frightening picture began to unfold, one that I was intimately familiar with. One WKCR reporter stated that 114th street had so many officers on it that he could not see the asphalt of the road beneath them, and I knew that the staging area the NYPD had chosen was one of the best routes for moving towards what the military, and presumably law enforcement, would call an ‘objective.’ The officers cleared the smaller ‘objective,’ the largely unoccupied tents in front of Butler, and then moved towards Hamilton Hall, ordering even those not associated with its occupation to disperse, raising my stress levels and likely those of others, as it is rarely a good sign when police do not want their actions recorded and archived. After the initial entry to campus and clearing of areas and people in the immediate vicinity of Hamilton Hall, came the Long-Range Acoustic Device, or LRAD, a device that makes a megaphone sound like a whisper, and one known for its crowd-control potential, capable of producing sounds loud enough to cause damage to ear-drums, nausea, and headaches, ordering individuals to clear away. The NYPD began its execution of tactics in a way that my fellow soldiers and I used to rehearse, tactics I never dreamed that I would witness outside of the military, and certainly not by police officers who vastly outnumbered unarmed students on their own campus. The NYPD created a perimeter, or a ‘second layer of security’ to both provide reinforcements for the officers entering the building, and to prevent the fleeing of what are called ‘squirters,’ or individuals who attempt to escape the building after the raid begins. While the ‘breach’ team moved towards the front doors, using tools from a ‘hooligan kit,’ such as bolt cutters, hand-held battering rams and crowbars, a siege machine was brought in to allow access from a window; when taking over a building, the idea is to enter it from as many different directions as possible to better disorient and overwhelm its occupants. Flash-bang grenades, described as non-lethal, but known to have harmful effects, were thrown inside, presumably before entering any room, hallway, or otherwise enclosed area to minimize the resistance of anyone unfortunate enough to be on the receiving end of what can only be described as an assault on the visual and auditory senses. According to the Manhattan District Attorney, one of the officers inside Hamilton Hall had what is called in the military a “negligent discharge,” meaning his firearm went off unintentionally. While no one was hurt, the question remains why at least one, and more likely, numerous other officers were carrying guns loaded with live ammunition in the first place, when they so drastically outmatched the protestors in numbers and equipment. Additionally, a negligent discharge is an act of incompetence that would result in an active-duty soldier facing serious consequences, and derision from his peers. So far, the officer remains defended by his coworkers, and unpunished by his superiors.
As all this unfolded, I communicated with my friends from the past and present. My friends from the military checked on me to ensure that I was okay, as did my friends from school. The difference in how they viewed these events highlights what I believe is the change in myself that I stated I am most proud of at the beginning of this paper. My friends from the military were commenting that the assertion of order and control by way of militarized tactics was necessary, not concerning themselves with the human toll and destruction of trust that came along with it. Conversely, my schoolmates lamented the brutality and overstepping of boundaries that the NYPD and Columbia’s administration committed, one that turned a place meant to be a beacon of free speech, expression, and ideas, into what is now a police-state with strict control over who enters it.
My education inside and outside the classroom at this institution has challenged, thrilled, and changed me. Sitting here now, at the end of this paper, the end of the semester, and the end of my time at Columbia University, I am left feeling confused and sad regarding recent events, but also hopeful for the future. I know from experience that the students, teachers, and culture of this school have the power to encourage critical thinking and initiate personal growth. If it did those things for me, surely it can do the same for others
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2024.05.16 05:29 GangsterNapper Our seamless process with our tips

Our seamless process with our tips
Our GE process for 2 adults and what I “think” helped us through expeditiously.
I applied on April 2nd around 10pm and received conditional approval on April 4th in the morning. I also received my AMEX credit for it on April 5th.
My boyfriend applied on April 4th around 11pm and received his conditional approval early in the morning on Saturday, April 6th
In my personal opinion the computer system does a background check and if it can’t match on history it kicks out the application into manual review purgatory.
With this thought in mind I made sure my employment history matched my W-2 or tax return exactly. I think it saved me because my last two jobs had one name, but the parent corp on my W-2 was different. For example I work for XYZ healthcare but the parent company is “integrated healthcare”. I truly think in these cases the system would have kicked it out since there would not be a match.
We live in California and we could have booked an appointment as early as April 11th in LA. San Francisco was booked a few months out, San Diego was booked through October, and Los Angeles only was opening up 3 weeks at a time.
We were going to be in the Los Angeles area so we booked for May 6th. Our appointments were at 11:40. We planned for traffic and arrived at 10:15. We asked if we needed to come back at our appointment time, she said no and stated we wouldn’t wait long.
We were called back within 10 minutes. My interview consisted of the agent asking if anything on my application had changed. The answer was no. He then took my picture and fingerprints and said I will receive an email in a few days and my card in 7-10 days.
My boyfriend’s interview consisted of the agent telling him how, when, and where to use global entry. They took his picture and fingerprints. We were out of the facility by 10:35. We both received an email confirming we had been approved at 1:35 pm. We received our cards in the mail Monday, May 13th.
I really think taking the time to dig up our tax returns and enter the data exactly as the government has it in their records helped the process. My recommendation to you is to make sure the history you enter matches perfectly. I hope it helps you.
I’d be curious to know if people that have been waiting for a long time matched their data to this level.
submitted by GangsterNapper to GlobalEntry [link] [comments]

2024.05.16 05:24 TheLotStore Get the Land You Want with No Credit Check Financing in Arkansas

Get the Land You Want with No Credit Check Financing in Arkansas
Get the Land You Want with No Credit Check Financing in Arkansas
Acquire the Property You Desire with No Credit Verification Funding in Arkansas
If you have been envisioning ownership of property in Arkansas but are facing challenges with poor credit, lack of credit history, or a prior bankruptcy, you may have experienced feelings of discouragement due to conventional funding options. Nevertheless, there is still optimism for you to transform your vision into reality with no credit verification funding. In Arkansas, several possibilities exist for obtaining property with no credit verification funding, empowering you to finally secure the property you are longing for.
Understanding No Credit Verification Funding
No credit verification funding is a form of loan or funding alternative in which the lender refrains from conducting a credit check on the borrower. This form of funding is especially advantageous for individuals with inadequate credit or a complete absence of credit history, as it presents them with an opportunity to secure funding without the traditional hindrances imposed by credit checks.
In the case of no credit verification funding, the lender assesses other factors such as income, employment history, and overall financial stability rather than relying exclusively on a credit score. This can be particularly beneficial for individuals who have encountered financial setbacks in the past but have subsequently endeavored to enhance their financial situation.
No credit verification funding can take diverse forms, including personal loans, vendor funding, and lease options. Each of these alternatives provides its own array of benefits and considerations, necessitating a thorough exploration of each to determine the most suitable match for your particular requirements and circumstances.
The Advantages of No Credit Verification Funding for Property
When it pertains to the acquisition of property, no credit verification funding presents numerous advantages for purchasers. Here are a few key benefits to ponder:
  1. Access to Property: Arguably the most apparent benefit of no credit verification funding is the provision of the opportunity for individuals to purchase property that they may have been unable to secure through traditional funding methods. This implies that even with an unsatisfactory credit history, you can still accomplish your objective of owning property in Arkansas.
  2. Flexibility: No credit verification funding frequently comes with increased flexibility in terms of loan conditions and eligibility requisites. This can render it less complicated for individuals with suboptimal credit to meet the criteria for funding and procure the property they covet.
  3. Opportunity for Advancement: By securing no credit verification funding, individuals have the chance to enhance their credit scores over time. Making prompt payments on their property loan can demonstrate responsible financial conduct and contribute to the reconstruction of their credit history.
Alternatives for No Credit Verification Funding in Arkansas
In Arkansas, numerous alternatives are available for individuals seeking no credit verification funding to acquire property. Each alternative possesses its distinct set of prerequisites, benefits, and considerations, necessitating comprehensive research and comparison to identify the most suitable match for your needs.
  1. Vendor Funding: A prevalent form of no credit verification funding for property in Arkansas is vendor funding. With this option, the vendor of the property serves as the lender and extends funding directly to the purchaser. Given that the vendor is not a traditional financial institution, they may exhibit greater flexibility and leniency in relation to credit checks and eligibility requirements.
Vendor funding can offer advantages such as reduced down payments, adaptable conditions, and swifter approval processes in comparison to conventional funding choices. Furthermore, this alternative allows purchasers to negotiate directly with the vendor and potentially secure more favorable loan conditions.
However, it should be noted that vendors offering funding may necessitate a higher interest rate to offset the risk of refraining from conducting a credit check. It is essential to meticulously assess the terms of the vendor financing agreement and contemplate the overall cost of the loan before making a commitment.
  1. Lease Alternatives: Another avenue for acquiring property with no credit verification funding in Arkansas is through lease alternatives. With a lease alternative, the purchaser leases the property for a predetermined period with the option to purchase it at a later date. This arrangement enables individuals to lease the property and potentially secure funding for its acquisition in the future, without an immediate need for a credit verification.
Lease alternatives can provide flexibility and time for purchasers to improve their financial situation and qualify for traditional funding. This option may appeal to individuals seeking to secure a parcel of property in Arkansas but require time to work on their credit or amass a larger down payment.
It is crucial to carefully review the terms of the lease alternative agreement, including the purchase price, option fee, and lease duration, to ensure that it aligns with your long-term objectives and financial capacity.
  1. Private Lenders: Private lenders can also serve as a source of no credit verification funding for property in Arkansas. Private lenders are individuals or non-bank entities that directly offer loans to borrowers, often with more flexible conditions and eligibility requisites as compared to traditional financial institutions.
Private lenders may be more willing to collaborate with individuals with substandard credit or no credit history, as they possess the ability to assess factors beyond just a credit score. This can present a valuable opportunity for purchasers to secure the funding required for acquiring property in Arkansas.
When contemplating private lenders for no credit verification funding, it is paramount to meticulously examine the lender's reputation, loan conditions, and fees. Thoroughly scrutinize the terms of the loan agreement and seek professional counsel if necessary to ensure that the loan is a rational and suitable choice for your financial situation.
  1. Property Grants and Programs: In certain instances, individuals seeking to acquire property in Arkansas may qualify for property grants or specialized programs that offer no credit verification funding. These programs are often devised to aid individuals with low income or inadequate credit in procuring property for various purposes, such as agriculture, homesteading, or preservation.
These grants and programs may be offered by government agencies, non-profit organizations, or private foundations, and they can provide valuable opportunities for individuals who may encounter challenges in securing traditional funding. It is imperative to research and inquire about any available property grants or programs in Arkansas that may align with your specific objectives and circumstances.
Considerations for No Credit Verification Funding
While no credit verification funding presents valuable opportunities for individuals to acquire property in Arkansas, there are several critical considerations to bear in mind when exploring these options:
  1. Overall Cost of Funding: No credit verification funding may entail higher interest rates, fees, or other expenses in comparison to traditional funding alternatives. It is indispensable to meticulously assess the overall cost of funding and contemplate how it aligns with your budget and financial objectives. Compare multiple funding alternatives to ascertain the most financially viable choice for your specific situation.
  2. Due Diligence: When pursuing no credit verification funding, it is crucial to conduct thorough due diligence on the lender or vendor providing the funding. Research the lender's reputation, review their terms and conditions, and seek professional guidance if necessary to ensure that the funding arrangement is legitimate and rational.
  3. Long-Term Financial Implications: No credit verification funding can present immediate opportunitiesto acquire property, but it's crucial to assess the long-term monetary consequences of the loan. Evaluate how the funding setup aligns with your comprehensive financial objectives, and contemplate how it may affect your capability to acquire future funding or enhance your creditworthiness.
  4. Legal Considerations: Upon entering into a no credit verification funding contract, it's crucial to examine and comprehend the legal implications of the loan. Seek legal counsel if necessary to ensure that the conditions of the loan agreement are equitable and legally enforceable.
  5. Future Funding Opportunities: While no credit verification financing can present immediate chances to acquire property, it's advantageous to contemplate how the loan can influence your capability to obtain conventional financing in the future. Timely repayment of the loan and efforts to enhance your creditworthiness over time can elevate your eligibility for more favorable financing alternatives down the line.
The Process of Acquiring No Credit Check Financing
When searching for no credit verification financing to acquire property in Arkansas, there are several steps involved in the process. By comprehending the steps and requirements, you can navigate the financing process more effectively and augment your chances of securing the property you desire:
  1. Determine Your Budget: Before seeking no credit verification financing, it's imperative to establish a practical budget for acquiring property. Consider factors such as initial payment, monthly payments, and total financing costs, and evaluate how these align with your comprehensive financial status.
  2. Explore Financing Options: Investigate the various no credit verification financing choices available in Arkansas, including vendor financing, lease options, private lenders, and land grant programs. Research the prerequisites, advantages, and considerations of each option to determine the best match for your requirements.
  3. Assemble Essential Documentation: Although no credit verification financing may not necessitate a traditional credit check, you will probably need to present other documentation to demonstrate your financial reliability. This might include evidence of income, employment history, and assets. Be ready to gather and present these documents as part of the financing process.
  4. Negotiate Terms: When pursuing vendor financing or lease options, you may have the chance to negotiate the terms of the financing setup. This may cover the purchase price, initial payment, interest rate, and loan duration. Examine and negotiate these terms meticulously to ensure that they harmonize with your budget and financial objectives.
  5. Assess the Agreement: After identifying a suitable financing option, thoroughly review the loan agreement or financing terms provided by the lender or vendor. Pay close attention to the terms, conditions, and legal implications of the agreement, and seek professional guidance if necessary to ensure that it is fair and reasonable.
  6. Ensure Timely Payments: After securing no credit verification financing for your property acquisition, it's vital to ensure timely payments on the loan. This can demonstrate responsible financial conduct and help to restore your creditworthiness over time. Make every effort to fulfill your payment obligations and communicate with the lender or vendor if you encounter any obstacles.
Final Thoughts
No credit verification financing presents valuable opportunities for individuals to acquire property in Arkansas, notwithstanding their poor credit or financial history. By exploring the various options available, meticulously considering the advantages and considerations, and navigating the financing process effectively, you can augment your chances of securing the property you desire.
While pursuing no credit verification financing, it's critical to conduct thorough research, assemble essential documentation, negotiate terms, and assess the agreement carefully. Making well-informed decisions and taking proactive measures to enhance your financial situation can aid you in accomplishing your objective of owning property in Arkansas and contributing to your long-term financial well-being.
Keep in mind that no credit verification financing is a valuable tool that can present immediate opportunities, but it's vital to assess the long-term financial consequences and ensure that the terms of the financing setup harmonize with your comprehensive objectives and financial stability. By weighing the advantages and considerations and navigating the process effectively, you can ultimately secure the property you desire with no credit verification financing in Arkansas.
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Additional Information: https://thelotstore.com/get-the-land-you-want-with-no-credit-check-financing-in-arkansas/?feed_id=10462
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2024.05.16 04:44 Easyfiling Understanding the Importance of an EIN Number

What is an EIN Number?

An Employer Identification Number (EIN), also known as a Federal Tax Identification Number, is a unique nine-digit number assigned by the Internal Revenue Service (IRS) to businesses operating in the United States. It functions similarly to a Social Security Number (SSN) for individuals and is used to identify a business entity for tax purposes.

Why Do You Need an EIN Number?

1. Tax Reporting

The primary reason for obtaining an EIN is to comply with federal tax reporting requirements. Businesses use their EIN to file various tax returns, including income, employment, and excise taxes. Without an EIN, a business cannot meet its tax obligations, which could result in penalties and legal issues.

2. Business Banking

Most financial institutions require an EIN to open a business bank account. Having a separate bank account for your business is crucial for managing finances, tracking expenses, and maintaining clear records for tax purposes. An EIN ensures that your business's financial activities are distinct from your personal finances.

3. Hiring Employees

If you plan to hire employees, you'll need an EIN to report employment taxes. This includes withholding and remitting federal income taxes, Social Security, and Medicare taxes. An EIN is also necessary when issuing W-2 forms to employees at the end of the tax year.

4. Applying for Business Licenses and Permits

Certain business licenses and permits require an EIN during the application process. This can include state and local licenses, as well as industry-specific permits. Having an EIN simplifies the application process and ensures that your business is compliant with regulatory requirements.

5. Establishing Business Credit

An EIN is essential for building your business's credit profile. When you apply for credit, lenders and suppliers will use your EIN to check your business's credit history. A strong business credit profile can help you secure loans, negotiate better terms with suppliers, and attract potential investors.

6. Forming a Corporation or Partnership

Corporations, partnerships, and certain types of limited liability companies (LLCs) are required to have an EIN. Even if you're a sole proprietor, obtaining an EIN can provide numerous benefits, such as protecting your identity and separating your personal and business finances.

7. Compliance with IRS Requirements

Certain types of businesses, such as non-profit organizations, estates, trusts, and farmers' cooperatives, are mandated by the IRS to obtain an EIN. Ensuring compliance with these requirements is essential to avoid potential fines and legal complications.

How to Obtain an EIN

Obtaining an EIN is a straightforward process. You can apply online through the IRS website, by mail, fax, or over the phone. The online application is the quickest method, and you will receive your EIN immediately upon completion. There is no fee for applying for an EIN.

Conclusion

An EIN is a vital component of running a business in the United States. It enables you to fulfill tax obligations, hire employees, open business bank accounts, apply for licenses and permits, establish business credit, and comply with various regulatory requirements. Whether you’re starting a new business or restructuring an existing one, obtaining an EIN should be one of your top priorities.
submitted by Easyfiling to u/Easyfiling [link] [comments]

2024.05.16 01:51 _Triple_ [STORE] 900+ KNIVES/GLOVES/SKINS, 100.000$+ INVENTORY. BFK Lore, Gloves Amphibious, Skeleton Fade, Bowie Emerald, BFK Auto, Gloves MF, Talon Doppler, Gloves POW, Bayo Tiger, Gut Sapphire, Stiletto MF, M9 Ultra, Ursus Doppler, Flip Doppler, M9 Stained, Nomad CW, Paracord CW, AK-47 X-Ray & A Lot More

Everything in my inventory is up for trade. The most valuable items are listed here, the rest you can find in My Inventory

Feel free to Add Me or even better send a Trade Offer. Open for any suggestions: upgrades, downgrades / knives, gloves, skins / stickers, patterns, floats.

All Buyouts are listed in cash value.

KNIVES

★ Butterfly Knife Lore (Factory New), B/O: $7194.77

★ Butterfly Knife Autotronic (Minimal Wear), B/O: $2025.74

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★ M9 Bayonet Ultraviolet (Field-Tested), B/O: $557.87

★ M9 Bayonet Stained (Well-Worn), B/O: $529.41

★ M9 Bayonet Boreal Forest (Field-Tested), B/O: $465.39

⎯

★ Talon Knife Doppler (Factory New), B/O: $1295.27

★ Bayonet Tiger Tooth (Minimal Wear), B/O: $746.28

★ Karambit Bright Water (Field-Tested), B/O: $688.15

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★ Flip Knife Doppler (Factory New), B/O: $547.93

★ Flip Knife Autotronic (Minimal Wear), B/O: $476.69

★ Flip Knife Case Hardened (Battle-Scarred), B/O: $278.18

★ Flip Knife Black Laminate (Well-Worn), B/O: $258.83

★ Flip Knife Urban Masked (Field-Tested), B/O: $181.64

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★ Stiletto Knife Marble Fade (Factory New), B/O: $686.04

★ Stiletto Knife Doppler (Factory New), B/O: $665.41

★ Stiletto Knife, B/O: $601.39

★ Stiletto Knife Crimson Web (Field-Tested), B/O: $418.25

★ Stiletto Knife Night Stripe (Field-Tested), B/O: $227.80

★ Stiletto Knife Boreal Forest (Field-Tested), B/O: $194.96

★ Stiletto Knife Safari Mesh (Field-Tested), B/O: $192.79

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★ Nomad Knife Crimson Web (Field-Tested), B/O: $518.11

★ Nomad Knife Scorched (Field-Tested), B/O: $169.78

★ Nomad Knife Forest DDPAT (Battle-Scarred), B/O: $166.88

★ StatTrak™ Nomad Knife Blue Steel (Field-Tested), B/O: $335.79

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★ Skeleton Knife Stained (Well-Worn), B/O: $442.05

★ Skeleton Knife Urban Masked (Minimal Wear), B/O: $426.24

★ Skeleton Knife Boreal Forest (Field-Tested), B/O: $314.03

★ StatTrak™ Skeleton Knife Fade (Minimal Wear), B/O: $2361.28

★ StatTrak™ Skeleton Knife Urban Masked (Field-Tested), B/O: $376.53

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★ Ursus Knife Doppler (Factory New), B/O: $557.12

★ Ursus Knife, B/O: $471.42

★ Ursus Knife Blue Steel (Minimal Wear), B/O: $212.37

★ Ursus Knife Case Hardened (Battle-Scarred), B/O: $187.66

★ Ursus Knife Damascus Steel (Field-Tested), B/O: $178.18

★ Ursus Knife Ultraviolet (Battle-Scarred), B/O: $155.13

★ Ursus Knife Boreal Forest (Battle-Scarred), B/O: $124.26

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★ Huntsman Knife Black Laminate (Minimal Wear), B/O: $204.83

★ Huntsman Knife Black Laminate (Field-Tested), B/O: $184.50

★ StatTrak™ Huntsman Knife Lore (Battle-Scarred), B/O: $224.11

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★ Bowie Knife Gamma Doppler (Factory New), B/O: $2142.02

★ Bowie Knife, B/O: $230.44

★ Bowie Knife Damascus Steel (Factory New), B/O: $209.20

★ Bowie Knife Ultraviolet (Minimal Wear), B/O: $180.51

★ Bowie Knife Ultraviolet (Field-Tested), B/O: $131.03

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★ Falchion Knife Night (Field-Tested), B/O: $132.54

★ Falchion Knife Urban Masked (Well-Worn), B/O: $112.81

★ Falchion Knife Scorched (Field-Tested), B/O: $108.81

★ Falchion Knife Forest DDPAT (Field-Tested), B/O: $107.82

★ Falchion Knife Safari Mesh (Field-Tested), B/O: $107.46

★ StatTrak™ Falchion Knife Ultraviolet (Field-Tested), B/O: $143.08

⎯

★ Paracord Knife Crimson Web (Minimal Wear), B/O: $486.48

★ Paracord Knife Blue Steel (Battle-Scarred), B/O: $163.12

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★ Survival Knife Blue Steel (Battle-Scarred), B/O: $138.26

★ Survival Knife Night Stripe (Field-Tested), B/O: $131.03

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★ Gut Knife Sapphire (Minimal Wear), B/O: $1127.79

★ Gut Knife Gamma Doppler (Factory New), B/O: $286.17

★ Gut Knife Doppler (Factory New), B/O: $246.55

★ Gut Knife Marble Fade (Factory New), B/O: $240.77

★ Gut Knife, B/O: $210.49

★ Gut Knife Lore (Field-Tested), B/O: $194.22

★ Gut Knife Case Hardened (Battle-Scarred), B/O: $151.51

★ Gut Knife Blue Steel (Minimal Wear), B/O: $124.94

★ Gut Knife Rust Coat (Well-Worn), B/O: $118.99

★ Gut Knife Boreal Forest (Minimal Wear), B/O: $109.80

★ StatTrak™ Gut Knife Doppler (Factory New), B/O: $237.96

⎯

★ Shadow Daggers Gamma Doppler (Factory New), B/O: $264.92

★ Shadow Daggers Marble Fade (Factory New), B/O: $253.03

★ Shadow Daggers Tiger Tooth (Factory New), B/O: $237.22

★ Shadow Daggers Crimson Web (Field-Tested), B/O: $153.40

★ Shadow Daggers Autotronic (Minimal Wear), B/O: $144.42

★ Shadow Daggers Blue Steel (Field-Tested), B/O: $105.20

★ StatTrak™ Shadow Daggers Damascus Steel (Minimal Wear), B/O: $150.46

⎯

★ Navaja Knife Fade (Factory New), B/O: $365.99

★ Navaja Knife Doppler (Factory New), B/O: $228.93

★ Navaja Knife Marble Fade (Factory New), B/O: $227.43

★ Navaja Knife Slaughter (Factory New), B/O: $209.06

★ Navaja Knife, B/O: $203.16

★ Navaja Knife Case Hardened (Well-Worn), B/O: $132.57

★ Navaja Knife Damascus Steel (Factory New), B/O: $121.69

★ Navaja Knife Damascus Steel (Minimal Wear), B/O: $109.95

★ Navaja Knife Damascus Steel (Field-Tested), B/O: $100.41

★ StatTrak™ Navaja Knife Fade (Factory New), B/O: $369.01

★ StatTrak™ Navaja Knife Damascus Steel (Field-Tested), B/O: $109.95

GLOVES

★ Sport Gloves Amphibious (Minimal Wear), B/O: $2394.67

★ Sport Gloves Omega (Well-Worn), B/O: $572.33

★ Sport Gloves Bronze Morph (Minimal Wear), B/O: $338.88

★ Sport Gloves Big Game (Field-Tested), B/O: $323.66

⎯

★ Specialist Gloves Marble Fade (Minimal Wear), B/O: $1652.07

★ Specialist Gloves Tiger Strike (Field-Tested), B/O: $599.14

★ Specialist Gloves Crimson Web (Well-Worn), B/O: $231.57

★ Specialist Gloves Buckshot (Minimal Wear), B/O: $126.21

⎯

★ Moto Gloves POW! (Minimal Wear), B/O: $996.99

★ Moto Gloves POW! (Field-Tested), B/O: $383.31

★ Moto Gloves POW! (Well-Worn), B/O: $276.00

★ Moto Gloves Turtle (Field-Tested), B/O: $180.28

⎯

★ Hand Wraps CAUTION! (Minimal Wear), B/O: $502.29

★ Hand Wraps Giraffe (Minimal Wear), B/O: $180.73

★ Hand Wraps CAUTION! (Battle-Scarred), B/O: $178.32

⎯

★ Driver Gloves Queen Jaguar (Minimal Wear), B/O: $181.01

★ Driver Gloves Rezan the Red (Field-Tested), B/O: $101.66

⎯

★ Broken Fang Gloves Jade (Field-Tested), B/O: $127.88

★ Broken Fang Gloves Needle Point (Minimal Wear), B/O: $124.55

⎯

★ Bloodhound Gloves Guerrilla (Minimal Wear), B/O: $127.94

★ Hydra Gloves Case Hardened (Field-Tested), B/O: $102.55

WEAPONS

AK-47 X-Ray (Well-Worn), B/O: $478.95

AUG Hot Rod (Factory New), B/O: $425.83

StatTrak™ M4A1-S Hyper Beast (Factory New), B/O: $413.95

M4A4 Daybreak (Factory New), B/O: $309.51

StatTrak™ AK-47 Aquamarine Revenge (Factory New), B/O: $305.43

AK-47 Case Hardened (Well-Worn), B/O: $196.38

StatTrak™ M4A4 Temukau (Minimal Wear), B/O: $174.64

P90 Run and Hide (Field-Tested), B/O: $167.03

AWP Asiimov (Field-Tested), B/O: $153.33

Souvenir SSG 08 Death Strike (Minimal Wear), B/O: $140.00

M4A1-S Printstream (Battle-Scarred), B/O: $124.70

StatTrak™ M4A1-S Golden Coil (Field-Tested), B/O: $117.48

AWP Asiimov (Well-Worn), B/O: $115.97

StatTrak™ Desert Eagle Printstream (Minimal Wear), B/O: $112.96

StatTrak™ AK-47 Asiimov (Minimal Wear), B/O: $110.85

Souvenir M4A1-S Master Piece (Well-Worn), B/O: $102.42

AK-47 Bloodsport (Minimal Wear), B/O: $100.53

Trade Offer Link - Steam Profile Link - My Inventory

Knives - Bowie Knife, Butterfly Knife, Falchion Knife, Flip Knife, Gut Knife, Huntsman Knife, M9 Bayonet, Bayonet, Karambit, Shadow Daggers, Stiletto Knife, Ursus Knife, Navaja Knife, Talon Knife, Classic Knife, Paracord Knife, Survival Knife, Nomad Knife, Skeleton Knife, Patterns - Gamma Doppler, Doppler (Phase 1, Phase 2, Phase 3, Phase 4, Black Pearl, Sapphire, Ruby, Emerald), Crimson Web, Lore, Fade, Ultraviolet, Night, Marble Fade (Fire & Ice, Fake FI), Case Hardened (Blue Gem), Autotronic, Slaughter, Black Laminate, Tiger Tooth, Boreal Forest, Scorched, Blue Steel, Vanilla, Damascus Steel, Forest DDPAT, Urban Masked, Freehand, Stained, Bright Water, Safari Mesh, Rust Coat, Gloves - Bloodhound Gloves (Charred, Snakebite, Guerrilla, Bronzed), Driver Gloves (Snow Leopard, King Snake, Crimson Weave, Imperial Plaid, Black Tie, Lunar Weave, Diamondback, Rezan the Red, Overtake, Queen Jaguar, Convoy, Racing Green), Hand Wraps (Cobalt Skulls, CAUTION!, Overprint, Slaughter, Leather, Giraffe, Badlands, Spruce DDPAT, Arboreal, Constrictor, Desert Shamagh, Duct Tape), Moto Gloves (Spearmint, POW!, Cool Mint, Smoke Out, Finish Line, Polygon, Blood Pressure, Turtle, Boom!, Eclipse, 3rd Commando Company, Transport), Specialist Gloves (Crimson Kimono, Tiger Strike, Emerald Web, Field Agent, Marble Fade, Fade, Foundation, Lt. Commander, Crimson Web, Mogul, Forest DDPAT, Buckshot), Sport Gloves (Pandora's Box, Superconductor, Hedge Maze, Vice, Amphibious, Slingshot, Omega, Arid, Big Game, Nocts, Scarlet Shamagh, Bronze Morph), Hydra Gloves (Case Hardened, Emerald, Rattler, Mangrove), Broken Fang Gloves (Jade, Yellow-banded, Unhinged, Needle Point), Pistols - P2000 (Wicked Sick, Ocean Foam, Fire Element, Amber Fade, Corticera, Chainmail, Imperial Dragon, Obsidian, Scorpion, Handgun, Acid Etched), USP-S (Printstream, Kill Confirmed, Whiteout, Road Rash, Owergrowth, The Traitor, Neo-Noir, Dark Water, Orion, Blueprint, Stainless, Caiman, Serum, Monster Mashup, Royal Blue, Ancient Visions, Cortex, Orange Anolis, Ticket To Hell, Black Lotus, Cyrex, Check Engine, Guardian, Purple DDPAT, Torque, Blood Tiger, Flashback, Business Class, Pathfinder, Para Green), Lead Conduit, Glock-18 (Ramese's Reach, Umbral Rabbit, Fade, Candy Apple, Bullet Queen, Synth Leaf, Neo-Noir, Nuclear Garden, Dragon Tatto, Reactor, Pink DDPAT, Twilight Galaxy, Sand Dune, Groundwater, Blue Fissure, Snack Attack, Water Elemental, Brass, Wasteland Rebel, Vogue, Franklin, Royal Legion, Gamma Doppler, Weasel, Steel Disruption, Ironwork, Grinder, High Beam, Moonrise, Oxide Blaze, Bunsen Burner, Clear Polymer, Bunsen Burner, Night), P250 (Apep's Curse, Re.built, Nuclear Threat, Modern Hunter, Splash, Whiteout, Vino Primo, Mehndi, Asiimov, Visions, Undertow, Cartel, See Ya Later, Gunsmoke, Splash, Digital Architect, Muertos, Red Rock, Bengal Tiger, Crimson Kimono, Wingshot, Metallic DDPAT, Hive, Dark Filigree, Mint Kimono), Five-Seven (Neon Kimono, Berries And Cherries, Fall Hazard, Crimson Blossom, Hyper Beast, Nitro, Fairy Tale, Case Hardened, Copper Galaxy, Angry Mob, Monkey Business, Fowl Play, Anodized Gunmetal, Hot Shot, Retrobution, Boost Protocol), CZ75-Auto (Chalice, Crimson Web, Emerald Quartz, The Fuschia is Now, Nitro, Xiangliu, Yellow Jacket, Victoria, Poison Dart, Syndicate, Eco, Hexane, Pole, Tigris), Tec-9 (Mummy's Rot, Rebel, Terrace, Nuclear Threat, Hades, Rust Leaf, Decimator, Blast From, Orange Murano, Toxic, Fuel Injector, Remote Control, Bamboo Forest, Isaac, Avalanche, Brother, Re-Entry, Blue Titanium, Bamboozle), R8 Revolver (Banana Cannon, Fade, Blaze, Crimson Web, Liama Cannon, Crazy 8, Reboot, Canal Spray, Night, Amber Fade), Desert Eagle (Blaze, Hand Cannon, Fennec Fox, Sunset Storm, Emerald Jörmungandr, Pilot, Hypnotic, Golden Koi, Printstream, Cobalt Disruption, Code Red, Ocean Drive, Midnight Storm, Kumicho Dragon, Crimson Web, Heirloom, Night Heist, Mecha Industries, Night, Conspiracy, Trigger Discipline, Naga, Directive, Light Rail), Dual Berettas (Flora Carnivora, Duelist, Cobra Strike, Black Limba, Emerald, Hemoglobin, Twin Turbo, Marina, Melondrama, Pyre, Retribution, Briar, Dezastre, Royal Consorts, Urban Shock, Dualing Dragons, Panther, Balance), Rifles - Galil (Aqua Terrace, Winter Forest, Chatterbox, Sugar Rush, Pheonix Blacklight, CAUTION!, Orange DDPAT, Cerberus, Dusk Ruins, Eco, Chromatic Aberration, Stone Cold, Tuxedo, Sandstorm, Shattered, Urban Rubble, Rocket Pop, Kami, Crimson Tsunami, Connexion), SCAR-20 (Fragments, Brass, Cyrex, Palm, Splash Jam, Cardiac, Emerald, Crimson Web, Magna Carta, Stone Mosaico, Bloodsport, Enforcer), AWP (Black Nile, Duality, Gungnir, Dragon Lore, Prince, Medusa, Desert Hydra, Fade, Lightning Strike, Oni Taiji, Silk Tiger, Graphite, Chromatic Aberration, Asiimov, Snake Camo, Boom, Containment Breach, Wildfire, Redline, Electric Hive, Hyper Beast, Neo-Noir, Man-o'-war, Pink DDPAT, Corticera, Sun in Leo, Elite Build, Fever Dream, Atheris, Mortis, PAW, Exoskeleton, Worm God, POP AWP, Phobos, Acheron, Pit Viper, Capillary, Safari Mesh), AK-47 (Steel Delta, Head Shot, Wild Lotus, Gold Arabesque, X-Ray, Fire Serpent, Hydroponic, Panthera Onca, Case Hardened, Vulcan, Jet Set, Fuel Injector, Bloodsport, Nightwish, First Class, Neon Rider, Asiimov, Red Laminate, Aquamarine Revenge, The Empress, Wasteland Rebel, Jaguar, Black Laminate, Leet Museo, Neon Revolution, Redline, Frontside Misty, Predator, Legion of Anubis, Point Disarray, Orbit Mk01, Blue Laminate, Green Laminate, Emerald Pinstripe, Cartel, Phantom Disruptor, Jungle Spray, Safety Net, Rat Rod, Baroque Purple, Slate, Elite Build, Uncharted, Safari Mesh), FAMAS (Waters of Nephthys, Sundown, Prime Conspiracy, Afterimage, Commemoration, Dark Water, Spitfire, Pulse, Eye of Athena, Meltdown, Rapid Eye Move, Roll Cage, Styx, Mecha Industrie, Djinn, ZX Spectron, Valence, Neural Net, Night Borre, Hexne), M4A4 (Eye of Horus, Temukau, Howl, Poseidon, Asiimov, Daybreak, Hellfire, Zirka, Red DDPAT, Radiation Hazard, Modern Hunter, The Emperor, The Coalition, Bullet Rain, Cyber Security, X-Ray, Dark Blossom, Buzz Kill, In Living Color, Neo-Noir, Desolate Space, 龍王 (Dragon King), Royal Paladin, The Battlestar, Global Offensive, Tooth Fairy, Desert-Strike, Griffin, Evil Daimyo, Spider Lily, Converter), M4A1-S (Emphorosaur-S, Welcome to the Jungle, Imminent Danger, Knight, Hot Rod, Icarus Fell, Blue Phosphor, Printstream, Master Piece, Dark Water, Golden Coil, Bright Water, Player Two, Atomic Alloy, Guardian, Chantico's Fire, Hyper Beast, Mecha Industries, Cyrex, Control Panel, Moss Quartz, Nightmare, Decimator, Leaded Glass, Basilisk, Blood Tiger, Briefing, Night Terror, Nitro, VariCamo, Flashback), SG 553 (Cyberforce, Hazard Pay, Bulldozer, Integrale, Dragon Tech, Ultraviolet, Colony IV, Hypnotic, Cyrex, Candy Apple, Barricade, Pulse), SSG 08 (Death Strike, Sea Calico, Blood in the Water, Orange Filigree, Dragonfire, Big Iron, Bloodshot, Detour, Turbo Peek, Red Stone), AUG (Akihabara Accept, Flame Jörmungandr, Hot Rod, Midnight Lily, Sand Storm, Carved Jade, Wings, Anodized Navy, Death by Puppy, Torque, Bengal Tiger, Chameleon, Fleet Flock, Random Access, Momentum, Syd Mead, Stymphalian, Arctic Wolf, Aristocrat, Navy Murano), G3SG1 (Chronos, Violet Murano, Flux, Demeter, Orange Kimono, The Executioner, Green Apple, Arctic Polar Camo, Contractor), SMGs - P90 (ScaraB Rush, Neoqueen, Astral Jörmungandr, Run and Hide, Emerald Dragon, Cold Blooded, Death by Kitty, Baroque Red, Vent Rush, Blind Spot, Asiimov, Trigon, Sunset Lily, Death Grip, Leather, Nostalgia, Fallout Warning, Tiger Pit, Schermatic, Virus, Shapewood, Glacier Mesh, Shallow Grave, Chopper, Desert Warfare), MAC-10 (Sakkaku, Hot Snakes, Copper Borre, Red Filigree, Gold Brick, Graven, Case Hardened, Stalker, Amber Fade, Neon Rider, Tatter, Curse, Propaganda, Nuclear Garden, Disco Tech, Toybox, Heat, Indigo), UMP-45 (Wild Child, Fade, Blaze, Day Lily, Minotaur's Labyrinth, Crime Scene, Caramel, Bone Pile, Momentum, Primal Saber), MP7 (Teal Blossom, Fade, Nemesis, Whiteout, Asterion, Bloosport, Abyssal Apparition, Full Stop, Special Delivery, Neon Ply, Asterion, Ocean Foam, Powercore, Scorched, Impire), PP-Bizon (Modern Hunter, Rust Coat, Forest Leaves, Antique, High Roller, Blue Streak, Seabird, Judgement of Anubis, Bamboo Print, Embargo, Chemical Green, Coblat Halftone, Fuel Rod, Photic Zone, Irradiated Alert, Carbon Fiber), MP9 (Featherweight, Wild Lily, Pandora's Box, Stained Glass, Bulldozer, Dark Age, Hot Rod, Hypnotic, Hydra, Rose Iron, Music Box, Setting Sun, Food Chain, Airlock, Mount Fuji, Starlight Protector, Ruby Poison Dart, Deadly Poison), MP5-SD (Liquidation, Oxide Oasis, Phosphor, Nitro, Agent, Autumn Twilly), Shotguns, Machineguns - Sawed-Off (Kiss♥Love, First Class, Orange DDPAT, Rust Coat, The Kraken, Devourer, Mosaico, Wasteland Princess, Bamboo Shadow, Copper, Serenity, Limelight, Apocalypto), XM1014 (Frost Borre, Ancient Lore, Red Leather, Elegant Vines, Banana Leaf, Jungle, Urban Perforated, Grassland, Blaze Orange, Heaven Guard, VariCamo Blue, Entombed, XOXO, Seasons, Tranquility, Bone Machine, Incinegator, Teclu Burner, Black Tie, Zombie Offensive, Watchdog), Nova (Sobek's Bite, Baroque Orange, Hyper Beast, Green Apple, Antique, Modern Hunter, Walnut, Forest Leaves, Graphite, Blaze Orange, Rising Skull, Tempest, Bloomstick, Interlock, Quick Sand, Moon in Libra, Clean Polymer, Red Quartz, Toy Soldier), MAG-7 (Copper Coated, Insomnia, Cinqueda, Counter Terrace, Prism Terrace, Memento, Chainmail, Hazard, Justice, Bulldozer, Silver, Core Breach, Firestarter, Praetorian, Heat, Hard Water, Monster Call, BI83 Spectrum, SWAG-7), M249 (Humidor, Shipping Forecast, Blizzard Marbleized, Downtown, Jungle DDPAT, Nebula Crusader, Impact Drill, Emerald Poison Dart), Negev (Mjölnir, Anodized Navy, Palm, Power Loader, Bratatat, CaliCamo, Phoenix Stencil, Infrastructure, Boroque Sand), Wear - Factory New (FN), Minimal Wear (MW), Field-Tested (FT), Well-Worn (WW), Battle-Scarred (BS), Stickers Holo/Foil/Gold - Katowice 2014, Krakow 2017, Howling Dawn, Katowice 2015, Crown, London 2018, Cologne 2014, Boston 2018, Atlanta 2017, Cluj-Napoca 2015, DreamHack 2014, King on the Field, Harp of War, Winged Difuser, Cologne 2016, Cologne 2015, MLG Columbus 2016, Katowice 2019, Berlin 2019, RMR 2020, Stockholm 2021, Antwerp 2022, Paris 2023, Swag Foil, Flammable foil, Others - Souvenirs, Agents, Pins, Passes, Gifts, Music Kits, Cases, Keys, Capsules, Packages, Patches

Some items on the list may no longer be available or are still locked, visit My Inventory for more details.

Send a Trade Offer for fastest response. I consider all offers.

Add me for discuss if there is a serious offer that needs to be discussed.

submitted by _Triple_ to GlobalOffensiveTrade [link] [comments]

2024.05.16 00:30 AutoModerator General Questions Thread, May 15, 2024

A thread for new collectors to ask basic questions of the community.
Frequently Asked Questions below!
A longer version of the subreddit rules is here.
For questions specifically concerning bootlegs or vendor legitimacy, please ask in the Bootleg Megathread.
NSFW & Spoiler Guidelines
  • For Self Posts: include a bolded NSFW note next to links in that post.
  • For Links to sites/images: If the figure is NSFW, or the website has any NSFW content (including ads) be sure to tag your post NSFW and use the appropriate link flair.
Bootlegs
Any collection posts containing bootlegs, comments advocating buying bootlegs, or links to sites selling bootlegs, recasts, or unlicensed merchandise will be removed.
People often ask about the legitimacy and/or safety of a number of websites which sell large resin statues. The more commonly-asked of those deal primarily in resins from studios which do not have a license from the Japanese IP holders to produce merchandise. Therefore links to those sites are not permitted here. Another sign is if MyFigureCollection doesn't list the either the statue, its manufacturer, or the shop it's being sold on.
MyFigureCollection
My Figure Collection is like MyAnimeList... but for figures! Their database includes thousands of items which been produced during the last couple of decades, along with reviews of shops and other helpful articles. One can also list their own collection and post gallery photos.
Shops
Retailers:
AmiAmi HobbySearch Mandarake (sells rare figures) Good Smile Company Online Shop (often has exclusives) Good Smile Company US shop Crunchyroll Store Hobby Link Japan (aka HLJ) Solaris Japan (MFC partner) BigBadToyStore (MFC partner, US retailer) Big in Japan (also has proxy service) Tokyo Otaku Mode FigureHaven Archonia (EU) Yorokonde (EU) Figuya (EU) Gamersheek (UK) Jungle
List of retailers on MFC
/AnimeFigures' List of Retailers
Community Guide to Shopping in Japan
Blogs/News:
Nekomagic (News/Previews) NyaaFigurines (Reviews/Releases) Kahotan's Blog (News/Reviews) Figma Blog (JP)

Buying & Shipping

1. What’s the best place to buy my anime figures from?
That’s going to depend a lot on what works for you, but most people around here buy them from Amiami, Big in Japan, Hobby Search, HobbyLink Japan, or Tokyo Otaku Mode. If none of those work for you for whatever reason, there’s a list of reputable retailers in the sidebar that you can check out at any time. Be extra careful when ordering figures from websites like Amazon or ebay, as there are a lot of bootlegs on those sites. Don’t be afraid to ask in our Bootleg Megathread if you’re unsure.
2. What differences are there between the shipping options I get from most Japanese shops?
Below is a rundown of the main shipping choices you’ll get at most retailers. Keep in mind that if an order is large enough you will be forced to use one of the more expensive options, as SAL shipments have lower size and weight restrictions.
  • Unregistered SAL: Sometimes referred to as uSAL, is usually the cheapest method. It does not come with any tracking or insurance. Usually takes up 2-4 weeks for delivery.
  • Registered SAL: Sometimes referred to as rSAL, is insured for the declared value up to 6,000 yen. It comes with a tracking number and usually takes 2-4 weeks for delivery.
  • EMS: This method of shipping is much faster than either SAL options, usually arriving within a week of shipment. EMS shipments are insured for the declared value up to 2,000,000 yen.
  • Airmail
  • E-packet
  • Surface: Shops don't offer this very often. It's an actual cargo ship and slow as a result.
  • DHL: Becoming more available as an alternative to EMS on AmiAmi and other sites. Can be less expensive than EMS and of comparable speed, but may be more reliant on the specific geographical area being shipped to. The price is also determined by the size of the box. Offers their own tracking.
3. I placed two+ orders for figures at different times. Will my items be shipped together, or will I have to pay shipping twice?
Most shops will ask you to pay shipping on a per-order basis, but here are some that will allow combined shipping:
  • Amiami: You can combine orders here, as long as the orders ship in the same month. It doesn’t matter if the item is new or preowned. Any preorders that are set for that month can also be combined with other orders for that month. However, be aware that if the preorder gets delayed, Amiami will remove that item from that month’s shipment and place it on a new order. To combine orders on Amiami, use the “Combine Orders” feature under “My Account”.
  • Hobby Search: Hobby Search will let you combine orders that release in the same month, but you cannot combine in stock items with preorders. If you want to combine multiple preorders, or multiple in stock items, you can do so using the “Order Recombination” feature on your account page.
  • HobbyLink Japan: At HLJ, you have the option to send paid orders to their “Private Warehouse”, where you can store them for up to 2 months. When you’re ready to ship the items, you simply select which items to ship and HLJ will combine them into one shipment for you. To use this, just select the “Private Warehouse” option as shipping when you order.
If you’re unsure about whether or not a shop we haven’t listed will combine your orders, please refer to their individual FAQs.
4. When will I get charged for my preorder?
Most Japanese shops charge you once the item is in stock and ready for shipment. When that happens, they will send you an email asking for payment. Some shops (mostly overseas ones), will allow you to pay for the item up front though, if you’d like. A few with that option are:
  • Big in Japan (Japanese store)
  • Tokyo Otaku Mode
  • Anime Island
  • Crunchyroll
Keep in mind that overseas stores will likely get the figure a few months after Japanese ones, so pay attention to the release date stated on the website you are buying from so as to avoid that confusion.
5. Should I expect to pay customs fees when importing figures?
That depends on where you live. Here’s a quick rundown:
  • Australia: 10% GST is now assessed up front.
  • Canada: Minimum declared value for charges is around CAD$20 for regular shipments, and CAD$60 for gifts (gifting something only seems to lower the declared value by about CAD$40, not deplete it completely). When using Amiami, try their Small Air Packet option. It comes with tracking, gets there in about the same time as EMS, and is better at avoiding customs.
  • European Union: As of 1st July 2021, VAT has to be paid on all goods imported from outside of the EU. Retailers are supposed charge VAT for purchases under €150, however many Japanese retailers currently do not, so VAT will be charged when your order arrives in the EU. Orders that are >€150, VAT and duty will be charged by your local customs.
  • UK: As of 1st January 2021, VAT is to be charged by retailers for orders <£135. However, customs isn't currently charging VAT on parcels valued at <£135, even if the VAT hasn't been paid. Goods >£135 will have their VAT and duty calculated and charged by customs.
  • Mexico: Minimum declared value for customs fees is USD$300 for shipments by post, and USD$50 for shipments by courier.
  • United States: A shipment has to have a declared value of USD$2,000 before customs starts hitting you with fees, so you most likely won’t have to worry about them at all.
6. The figure I want is an exclusive, how do I go about ordering one outside of Japan?
You have three options for this:
A. Big in Japan is known to stock exclusive figures and ship to other countries. Usually the price is higher because they build in their proxy fees, but it’s easier than worrying about using a forwarder or proxy service. If you live in the US, Crunchyroll, Right Stuf, and Tokyo Otaku Mode also get exclusives sometimes, but out of the states the shipping can get expensive.
B. Forwarding Services: A forwarder is someone who you ship an exclusive item to so that they can forward the package on to you, usually for a flat fee + shipping. When using a forwarder you still make the purchase yourself, and enter their address into the shipping field. When the box arrives at the forwarder they will then stick your address onto the package and send it on its way.
Some popular forwarders are:
Be sure to read each sites instructions on forwarding carefully!
C. Proxy Services: With a proxy, you tell them what the item you’re looking for is and they will purchase it in your stead. This is handy for when a company doesn’t accept foreign credit cards, or you’re having trouble navigating a Japanese website.
Some popular proxies are:
Again, be sure you thoroughly read through each sites proxy instructions.
7. I see a bunch of really cheap figures that ship from China on ebay. Are those okay to buy?
Generally, no. They’re most likely bootlegs. If you want a second opinion on that, feel free to ask in the Bootleg Megathread that’s always stickied at the top of the sub.
8. What’s a bootleg, and how can I avoid buying them?
A bootleg is a counterfeit figure often made using rejected molds of the official product. They are usually priced significantly lower than the genuine article, and in order to make their profit, bootleggers use lower quality materials and have less attention to detail- resulting in a substandard figure.
The Bootleg Megathread that I mentioned in question 7 is a great tool to avoid buying any bootlegs. It has a few tips and tricks to avoiding them to begin with, and a few more on how to spot them if you’re worried you might already own one.
9. Does anyone know when figure X is going to be released? How do I know if it was delayed?
My Figure Collection (sometimes referred to as MFC) does an excellent job of staying on top of information like release dates and delays. If you’re curious about an upcoming figures release date, check there first. This information can be found directly under the “Releases” section on a figure’s entry. If you only see a month and a year in that section, it means the release date has not yet been announced by the manufacturer, and there is still a chance the figure could be delayed.
If you make an account on MFC you can also subscribe to comments, changes, and pictures via a checkbox on the right hand side of a figure’s listing. Subscribing to any of these things will allow MFC to send you an email anytime the subscription in question updates. Subscribing to “changes” is a great way to keep up with release dates and delays, among other things.
10. The figure I want is long sold out at normal retailers! What’s the best place to pick it up in the aftermarket?
A list of reputable retailers can be found under the “Shops” section of the /AnimeFigures sidebar. They all sell legitimate products, and many of them also sell figures second hand. However, the most frequently suggested second hand sites are Mandarake and Amiami- who has a preowned section that they update every night save Sundays and Japanese holidays around 1PM JST and again around 6PM JST.
AmiAmi grades their pre-owned items on a letter scale. The general consensus from buyers is that their ratings are conservative, so unless the item and/or packaging is specifically indicated as having significant flaws, pre-owned items from them are usually in at least as good a condition as their rating suggests.
Note: When you search Mandarake, you’ll get the best results by using the Japanese characters for whatever you are searching. If you don’t know them, you can find them on MFC by clicking on any of the “details” in that figure’s listing.
11. Amiami has a figure I’m interested in labeled as “For sale in Japan only”. Does this mean I can’t order it without a proxy or forwarder?
No, you can still order it. Amiami’s English site has that warning on many items, and it’s mostly meant to inform you that this product was made for a Japanese market, and as such, will have Japanese speaking/writing in it- so don’t expect any instructions to be in English. If Amiami doesn’t want foreigners buying a certain product, they won’t even list it on their English site.

Displaying Your Figures

12. What display cases do you recommend?
If you live near an Ikea try out one of these:
  • Klingsbo
  • Billy (Often used with Morliden doors (now the HÖGBO and glass shelves.)
  • Detolf: Formerly the go-to choice for inexpensive display cabinetry, the Detolf was first made flimsier around 2020 and then essentially phased out of the name, to become the BLÅLIDEN. Knockoff versions of widely-varying quality are commonly found on other shopping sites these days, though.
*If you decided on a Detolf, you might find that there is a lot of wasted space. Here are a few tutorials on raising the shelves or and adding extra ones in.
If you don’t live near an Ikea, Amazon has a few display options, though they are more expensive. Also keep an eye on your local Craigslist (or your country’s equivalent) and stores near you that are closing up.
13. What lighting do you guys recommend?
Ikea’s Dioder LED strips were discontinued after a long run. A current version is the Vattensten, if you're inclined to buy your case and lights at the same time.
LED strips have become very commonly available in recent years; most hardware and home furnishing stores carry a selection now. Just make sure that the lights don’t get too hot!
14. What are those clear plastic boxes that I see under everyone’s figures in their collection posts, and where can I get them?
Those are called risers. Most of us use standard acrylic risers like these. Some other, easy to find things that have been suggested are:
Check your local hobby store for the first 2 options, or your local hardware store if you want to make your own.
Another common suggestion is to visit The Container Store if you have one near you. They have a lot of things to choose from that can suit a variety of needs. Be sure to check out their standard acrylic risers, their Amac boxes, and the various display cases they sell (baseball cases, mini car cases. hockey puck cases, etc).
15. Should I keep my figures sealed?
That is, of course, up to you really, but here are a few things to keep in mind when debating this question:
  • Keeping it sealed can actually damage your figure. PVC figures usually have something called plasticizer in them, and that plasticizer needs to be able to breath. If a PVC figure isn’t exposed to oxygen, after a period of time the plasticizer starts to break down and form a sticky substance on the surface of the figure. Simply opening your figures and taking them out of the box prevents this from happening. If you happen to find plasticizer goo on one of your figures, Kahotan has a handy guide for dealing with it.
  • Unlike some other figure markets, keeping an anime figure sealed won’t raise its value by a whole lot. In fact, because of the plasticizer problem mentioned above, your figure could actually be in better condition if you open it versus keeping it sealed.

Finding the Right Figure(s) for You

16. What are "scales" and "prizes"? What is the difference between them?
Those are classifications for figures based on a few factors.
  • "Prizes" are generally more simply produced figures which are intended to be given as prizes for playing arcade games. They are inexpensive and lack the detail of scale figures, though some prize figure lines have standouts which may approach lower-end scales in quality. That is uncommon and often depends on the individual figure.
  • "Scales" are called such because they are nominally designed to be proportional to the dimensions of the character which they are based on. They are generally of much better manufacture and materials than prize figures, allowing for more detail in painting, accessories, or complex poses.
  • "Trading" figures appear in gashapon machines or as blind boxes on shop counters, often as sets which include multiple characters. As suggested by the class name, the randomness encourages trading. They are usually very inexpensively-produced, though as with prizes, some series are better than others.
  • "Non-scale" encompasses a variety of other categories. It is often used to describe poseable figure lines such as figma and Nendoroids.
In recent years producers such as Good Smile Company attempted to further bridge the gap between prize quality and scales by introducing figure lines which are intended to be moderately-priced while retaining a higher level of detail than the typical prize figure, to varying levels of success.
17. There are so many figure companies! Who makes good figures?!
Obviously this is a very subjective question, but as a general starting point, here are a few well renowned figure companies:
  • Alter
  • Max Factory
  • Good Smile Company
  • Kotobukiya (usually hit or miss for people. Use your best judgement based off of the prototype)
  • Flare
  • Stronger
18. I really love “series X / character X”- how can I check if any figures were ever made for it?
My Figure Collection can be your best friend here. Simply do a search on the name of the series or character using the search bar located at the top right of the screen, and all associated figures pop up!
Alternatively, if you’re looking at a figure’s MFC entry, most of the text under the “Details” section can be clicked on and used to run a search.
19. How can I commission a custom figure?
None of the major figure companies (Alter, Kotobukiya, Good Smile Company, etc.) will take a commission for a single figure. This thread has a few websites in it that you can check out, or you can look into garage kits. Some kit painters would be willing to resculpt, frankenstein together, or otherwise modify kits for the right price.
If you're looking for help completing a garage kit, /brushforhire may be useful.

Keeping Up with New Announcements

20. How can I keep up with figure news (announcements, updates, etc.)?
Most people use a MFC combined with any or all of the following news sites:
Many figure companies are active on Twitter, so following them there is recommended for quicker news.
To use MFC for this I’ll quote question #9.
If you make an account on MFC you can also subscribe to comments, changes, and pictures via a checkbox on the right hand side of a figure’s listing. Subscribing to any of these things will allow MFC to send you an email anytime the subscription in question updates. Subscribing to “changes” is a great way to keep up with release dates and delays, among other things.
Most companies have one or more Twitter accounts. Some examples: Good Smile Company sales, Good Smile's USA branch, Max Factory, AmiAmi Hobby News.
21. Everyone’s excited about something called Wonfes….. what the heck is that?!
WonFes (short for Wonder Festival) is a biannual figure expo where many figure producers (both large and small) show off new sculpts and updates to figures already under way. Most companies save their most exciting announcements for WonFes, so we all look forward to the expo whenever it rolls around! Winter Wonder Festival is usually held in February, while Summer Wonder Festival is usually in July. The event has also spread to Shanghai, in the late spring.
22. One or two (or 15) figures were announced at WonFes that I’m really excited about! How can I keep track of their progress once the event is over?
MFC is always really quick about getting new WonFes announcements (or any others throughout the year, for that matter) listed in their database, so we suggest using that. To find a figure from the event you can search any number of things, including the name of the character or the name of the show. You can also use the tag search to search “WonderFestival 20xx_[season]” to see all items announced at that event.
submitted by AutoModerator to AnimeFigures [link] [comments]

2024.05.15 23:45 Gfdgsgxgzgdrc Revisiting the Mystery Valentine (An Overly Long Explanation of Why It's Definitely Gaster)

Revisiting the Mystery Valentine (An Overly Long Explanation of Why It's Definitely Gaster)
https://preview.redd.it/vfqpjxdvqn0d1.png?width=3005&format=png&auto=webp&s=5714871c0eb21939d134ffe5f90025eb3f2fc8e3
I'm not sure why I'm still so hung up on this. For context, I kinda fell out of theorycrafting a while ago — at this point, I've seen every shred of evidence supporting or opposing every possible theory, and yet I feel no closer to any concrete conclusions on the game's lore. There are just too many questions, too many possibilities.
Then the secret Valentine dropped. This letter raised a lot of questions I was eager to discuss! Instead, I was disappointed to find the discussion dominated by something I didn't even think to question: the writer's identity. This frustrated me a bit, as I felt that, for once, the conclusion was actually pretty clear-cut; it didn't strike me as something Toby Fox even intended for us to debate.
At the time, this drove me to write a post discussing it (don't bother reading it, this post is better). I thought that would be the end of it for me, but somehow the debate has yet to leave my mind. Even now, from what I've seen, people are too busy arguing about who wrote the letter to discuss what's in it. All the while, I've not only grown more confident in the conclusion I've reached, but I feel more prepared to articulate why. I've also heard more counterarguments since then, which I will address in this post.
I'll start with what we can agree on, before addressing more significant counterarguments and delving into progressively deeper levels of conjecture. Should be fun!

Context and implications

Even before looking at the letter itself, we can see that this is a rare, cryptic secret, already giving us an idea of who might be involved. I'd go so far as to say that Gaster is "rare, cryptic secrets" personified. To me, this is the main thing setting him apart from other characters.
Obviously that's not to say that other characters can't be responsible for secrets like these, but giving the letter a cursory glance, the format doesn't fail us. All caps — this doesn't tell us much on its own, but when used alongside a very, very specific manner of double line spacing between and within sentences, compounded by the aforementioned association with secrets... Toby Fox is clearly trying to tell us something here, so I'm not a fan of any theory that completely discards that.
You'll probably agree with this point — even Gaster Valentine deniers admit that there is an intentional association being drawn. If you disagree... sorry, I don't know what to tell you. When it comes to Gaster, having a mysterious secret with all-caps weirdly-spaced text is basically equivalent to Susie walking onscreen and saying "Hi, I'm Susie". Sure, maybe a plot twist down the line will reveal that this isn't actually Susie... But you'd only suspect that if she says something that would imply it, and for now, we're only looking at the presentation.
There's another association I haven't seen as many people bring up: the fact that the letter is anonymous. Ironically, "not being confirmed to be Gaster" is one of Gaster's identifying characteristics. In every case, we're left to assume his involvement from cues such as those we see here: secrets, crypticism, capitalization, spacing, all that. Anonymity is his signature. By including these quirks and leaving it uncredited, he may as well be signing "GASTER" in flashing letters. And that's not even getting into the implication of Wingdings and the letter disappearing after being read, which are both Gastery as all get out.
A couple minor notes regarding the writer's anonymity:
  • The lack of a telltale 666 motif or gratuitous "VERY, VERY" could be seen as a point of contention, but I think this naturally follows the pattern we've seen thus far: as we grow more familiar with Gaster, there's less need for these kinds of identifying motifs. In Undertale, the name Gaster is directly associated with 666 and Wingdings, but as we already know these connections going into Deltarune, the game's intro more-or-less drops the name and font associations.
  • Notably, this is the only Valentine without a confirmed sender — if it was meant to tease a new character (à la Lanino and Elnina), why not include a visual or first initial to indicate that? Because it's supposed to seem like Gaster, only to end up a red herring...? Seems like a pretty cheap twist to me. Characters have deceived us in the games themselves, but we've generally been able to take supplemental content more-or-less at face value.
Of course, that anonymity is a double-edged sword. It implies Gaster's involvement just as much as it leaves room for doubt. If Toriel does something un-Toriel-like, we simply have to reconcile what we previously knew of her character with what we do now, whereas if Gaster does something un-Gaster-like, it calls his entire identity into question. I still don't think the Gaster associations can simply be handwaved away — again, even Gaster Valentine deniers agree that there's some significance to the similarities — but, by his very nature, it's nothing more than an implication.
If the voice from the vessel creation sequence says something to the effect of:
https://preview.redd.it/lsfu4bxrqn0d1.png?width=514&format=png&auto=webp&s=14867b9e9ea46dfc4f7c7fc91de69c574cab530d
I'll be the first to admit that it probably isn't Gaster. But I don't think that's the case here, and to discuss why, we'll have to move on from the context to the content.

Personality and mannerisms

The obvious problem with analyzing Gaster is that he has yet to be properly introduced, much less developed. We've only ever interacted with him outside Deltarune's story and world, and furthermore only briefly, within a very narrow range of contexts. Additionally, these interactions are written to provide us with as little characterization as possible — he is succinct and direct, never shifting the subject beyond what is relevant to us. This itself could be considered characterization, but without the "why", there's not much to glean from it.
Regardless of whether this trait is dependent on context (there's little room for conversation in a survey program, after all) or is simply an ever-present aspect of his personality, I'd argue it carries over to the letter. He tries to begin with polite small talk, but each topic he broaches is swiftly dismissed; once again, he can hardly bring himself to deviate from "the purpose of the message". Speaking of which, that fact — that this is the only Valentine with an explicit "purpose" — itself provides characterization. Almost as though this character would only contact us for an important reason (perhaps a character with a history of doing so, often outside the game). Almost as though we've met this character before (otherwise, I suspect Toby would've focused exclusively on characterization rather than motives, as with Lanino and Elnina).
I realize I'm getting into full speculation territory now, but hopefully I've made it clear why it's necessary to do so. Gaster's personality and motives are largely up to personal interpretation — I think we can agree that, were that not the case, the debate would be a lot more one-sided. Your interpretation of the character can't be used as conclusive evidence for your theory. Of course, I'm not exempt from this either! My interpretation could be completely off-base as well. That said, I'd like to at least explain why it all lines up in my head. (Feel free to compare my interpretation with his dialogue, which I've compiled here: https://pastebin.com/yR5Y8qhw)
Let's get the specific shared mannerisms out of the way before moving onto the more general similarities. Specifically:
  • Gaster employs a specific kind of repetition, mostly limited to single words, but occasionally multiple ("OF COURSE", "SHALL WE", "THE SECOND"). We see this reflected in the letter ("BELIEVE IT SO", "WANT[ED] TO HELP", "SEEM TO HAVE FORGOTTEN").
  • He alternates between present and past tense when describing what is currently happening (seen throughout the vessel creation and save menu text). The letter writer does this multiple times.
  • Perhaps a generic word choice, but the writer says "HOW ABSURD", much like how Gaster has said "HOW WONDERFUL", "HOW INTERESTING", and "HOW LONG IT HAS BEEN".
There are a couple other things that struck me as extremely Gastery, but I couldn't find many examples for them. I might just be thinking of the stilted way Toby Fox writes in status updates and newsletters, which reminds me more of Gaster than any other character... but that's a tenuous connection at best, so take these for whatever they're worth:
  • The letter writer puts "VALENTINE'S DAY" in quotes. I thought there were more examples of Gaster putting random terms in quotes (it suits his general robotic-yet-whimsical demeanor), but the only ones seem to be the names you enter in the vessel creation.
  • I find the phrasing "THE PURPOSE OF THE MESSAGE" (as opposed to, say, "the reason I wrote this to you") very Gastery — something about the detached feeling and repeated use of "THE" — but the only instance I could find of this particular sentence construction was "CHOOSE THE TARGET FOR THE REFLECTION", so maybe it doesn't mean much.
Moving onto the general personality, the easiest similarity to argue is the metaknowledge. Gaster introduces you to the Deltarune program, and is the only character known to acknowledge it. The letter writer is clearly interested in your thoughts on Deltarune (albeit spelled "DELTA RUNE"; beyond Toby's general inconsistency with minor details like these, I'm not sure what to make of that). The writer also acknowledges the wait between chapters, much like Gaster does — contrasting this, everyone else simply acknowledges the time that's passed within the story, perceiving two real-world years as one night. It could also be argued that Gaster is the only character who has contacted us, the player, directly.
Gaster is also known to be polite and formal, always offering greetings ("WELCOME"), gratitude ("THANK YOU FOR WAITING SO LONG"), and compliments ("YOU HAVE CREATED A WONDERFUL FORM"). We see this reflected quite well in the letter — "AS YOU ARE WAITING PATIENTLY" and "DO YOU BELIEVE IT SO?" certainly don't feel like the words of someone speaking casually. Like Gaster, the writer also uses fewer exclamation marks and contractions than most. Granted, the fact that the writer uses contractions at all is cause for suspicion... but, since they're outnumbered by the uncontracted phrases, contraction usage remains closer to Gaster than anyone else (except Toriel, I guess). Although we haven't seen Gaster use contractions in his few prior instances of dialogue... evidently, he does use them, albeit infrequently.
The formality even goes beyond word choice — his repeated backtracking on the exact order of "PUT ON YOUR COAT AND WASH YOUR FACE" brings to mind his polite accommodation of our choices in the vessel creation or save menu. It doesn't seem like him to forcefully tell us what to do, or in what order to do it, and the letter's ending serves to exaggerate that quality. He may not use any highly technical language here, but that makes sense in this less scientific context (especially when you consider that he doesn't use scientific terminology all that often anyway).
Gaster's constant emphasis on the subject at hand, saying something odd or outright wrong whenever he alludes to anything else (listing the wrong options for whatever he means by "FAVORITE BLOOD TYPE", or listing such favorite flavors as "PAIN" and "COLD") — it's always given me the impression that Gaster's transcendent brilliance doesn't extend far beyond his own work. That's not to say he's stupid, far from it, but definitely a bit "out there" (I feel this much is apparent from the multiple typing quirks he uses). At the very least it feels inarguable to me that, while Gaster is smart, he doesn't know everything, and (like any Toby Fox character) he isn't always intended to be taken 100% seriously.
Casting our gaze over to the letter, this once again checks out. Confusing the new year with the old year, considering himself to be the person he's forgotten, mixing up the recipient's face and coat — these feel more-or-less like a natural development of Gaster's established eccentricity, like the kinds of weird things that would only make sense from his unique, potentially fractured, extradimensional perspective. Sure, "THE TIME IS GOING AROUND" may not make sense to us mortal beings, but neither does "DELTARUNE GLOWS BRIGHTLY FROM YOUR HOPE". Ending a message with the archaic "GOOD BY" feels roughly equivalent to randomly putting [24] in brackets.
The increased emphasis on these quirks makes sense in this more casual context, and adds tonal consistency with the other Valentines — being a spooky creepypasta character is hard work, and I think the guy's earned a day off. The friendliness also makes it out to seem like the writer has communicated with us in the past, which wouldn't make sense for anyone other than Gaster, and certainly wouldn't have made sense in something like the vessel creation sequence. I find that it also makes sense from an extradiagetic perspective — Toby Fox is just providing characterization here, not announcing a new chapter, so there's less reason to write Gaster with as much purpose and brevity as in previous appearances.
Basically, the idea that Gaster is completely serious and grounded while the letter writer is completely goofy... I don't get it. I really don't think either of those things are true. I'm not even sure what I would change about the letter to make it sound more like Gaster... Did you expect less exclamation marks? More line breaks (which would make it overly long and monotonous, might I add)? Less whimsical turns of phrase? At that point the letter wouldn't deepen our understanding of the character at all, and I fail to see what the point would be.
And the idea that the letter ruined Gaster's character makes even less sense to me — for one, what does this letter really establish about Gaster that wasn't already alluded to? I suppose the letter makes him out to be more whimsical than most of us thought, but how is that a downgrade from "static, one-dimensional robotic scientist"? Can "whimsical scatterbrain" and "robotic scientist" not coexist? Is the gradual reveal of depth and contrasts not at the heart of most Toby Fox characters?? The directness of his speech has made him feel more like a plot device up to this point, so this letter was the first time I truly felt invested in Gaster as a character outside of his unique presentation. I don't think "saying things in a casual context that could be construed as humorous" (again, especially when he already says things like "FAVORITE BLOOD TYPE") is enough to consider him "scrunkly goober #78" — and even if it was, Toby has a way of delivering the most emotionally impactful moments through the funniest characters, so I'm not particularly worried.
All that to say: it's my belief that, even looking past the context and format, the letter aligns more closely with Gaster than any other character. Who else has such a formal and cordial composure contrasted against an air of inscrutable strangeness?

Motives and memory

Gaster hasn't exactly been transparent about his goals, and the letter writer isn't giving us a whole lot to work with either, so we're going to have to get even more speculative here. That said, the conclusion I've arrived at makes a lot of sense to me, relates to established elements of Deltarune, and even explains away some people's reasons for this not being Gaster. Those being:
  1. "Gaster asks us for help, even though we've already been helping him!" This is easily explained if we assume he's asking our help with something else this time. The more casual tone and secrecy of the letter supports the interpretation that this is a less generally important, more personal matter; it's the difference between "Hey, if you don't mind, would you lend me a hand with this thing that's been on my mind?" and "I'm subjecting you to an experiment I've spent years preparing, please follow these exact instructions." I suppose it's strange that he doesn't mention how we can help, but I imagine that's something that will become clear in the future.
  2. "Gaster isn't forgetful!" While I'd say it's entirely possible that Gaster has memory problems that simply hadn't been alluded to yet, I find the more likely explanation to be that there's something supernatural at play, and once again I believe this is hinted at in the letter itself. Gaster says it's "IRONIC" that he forgot something — what could this imply, beyond the fact that he was forgotten himself? (To recap the theory, Goner Kid mentions a world where they don't exist, no one acknowledges Gaster outside Fun events, and while Asgore is said to have taken a long time replacing Gaster, it's unconfirmed whether he remembered who he was replacing.) I was 50/50 on this theory myself, but I take this letter to be more-or-less confirmation of it, further tying it to Gaster. The only other explanation I can think of for this "IRONIC" line is that perhaps Gaster makes people forget things...? For the purposes of this theory, it doesn't matter too much, as it establishes a precedence for supernatural memory loss either way. Furthermore, by suggesting the person he's forgotten may be himself, he draws a direct parallel between himself and the person he's helping, lending further credence to this interpretation.
This brings us to my theory. I posit that the forgotten character is someone in similar circumstances to Gaster himself; someone who cannot be found in the story, and is instead associated with secrets outside of it (much like this letter). As an added bonus, it would help strengthen the theory if it happened to be a character who is known to call out for help, and who we've previously been requested to find (particularly in secret material outside of the game, much like this letter). If only there was a character fitting all of those criteria...
But this post isn't about that. My point is, while there's not much to glean in the way of connections between the letter person's goals and Gaster's, I don't think there's anything contradicting such connections either.
https://preview.redd.it/gswysspqtn0d1.png?width=392&format=png&auto=webp&s=248273e7bacc131cf9e9422a0aebdaeeacc6c9b6
Oh. Right, I guess there's that. If this is the same Gaster we've worked with before, why doesn't he say "YOU HAVE PROVEN YOURSELF TO BE RELIABLE"? I feel like this minor word choice could be justified by any number of explanations. For one, the phrasing makes a bit more sense within the full context: basically "you're odd, but you seem reliable regardless". You could also argue that, since he's asking something different of us this time, we haven't proven ourselves to be reliable for this specific task. Or that since we've only been assisting in the "Deltarune" project for 2 of 7 chapters, that's not enough time for him to fully consider us reliable. Or, maybe the only reason we do seem reliable to him is because we've been assisting him — otherwise we wouldn't seem reliable at all. Heck, it could just be odd phrasing for a character who constantly uses odd phrasing, only misleading under a specific interpretation.

Translation

To recap, I think the context and format convey a very clear implication — one that could be a red herring, but that I believe is only supported by the writer's personality, and (at the very least) not contradicted by their goals. Here is where I believe we come to the first hole in my argument.
The Japanese translation doesn't sound particularly close to how Gaster speaks in Japanese. I don't speak Japanese, so there's not much I can do to back up or debunk this claim — perhaps people are overlooking some of the more minor similarities, as with the English version...? Or maybe there's more nuance to the translation process than most people think, and the writing style is highly adaptive to tone, mood, context, or method of delivery, or affected by cultural differences...? I don't know, so for now I can do nothing but take it at face value, and consider what this inconsistency might imply.
People seem divided into two camps with regards to the translation: "the English version very clearly sounds like Gaster, therefore the Japanese version doesn't matter" and "the Japanese version very clearly doesn't sound like Gaster, therefore the English version doesn't matter". Frustratingly, neither of these actually address the inconsistency. If we assume it isn't Gaster, the English version clearly goes out of its way to mislead us into thinking it is (as I've already justified extensively), so why not do the same for the Japanese version? If Toby wanted to clear up ambiguity by making the Japanese version distinct from Gaster, why not do the same for the English version? Whichever way you slice it, it's a contradiction.
That said, I think there are a few things working in my favor here. For one, English is Toby's native language, as well as the most common language spoken by his fanbase. Japanese translation is handled by a different team under Toby's supervision; they had a lot of Valentines to translate, and likely a pretty strict deadline. It's believable that time constraints forced the team to prioritize accuracy to the content and tone of the letter over consistency with established text quirks.
There's also the fact that the English version is the only one to imply a clear sender (unless you want to reach and say the secrecy and metaknowledge of the Japanese version imply Gaster as well); personally, I feel inclined to believe a deliberate implication over the lack of one. Adding weight to this point, this isn't generally the sort of thing casual fans are going to speculate about — anyone who knows about the letter has likely heard of both versions, which means most will gravitate toward whichever one implies a specific identity. Because of this, the Gaster interpretation seems to prevail even in the Japanese fanbase.
Basically, I don't like that making sense of the letter forces me to either make up an arbitrary narrative explanation for the discrepancy, or to write off either the English or Japanese version as unreliable... However, this decision is made much easier by the fact that, the way I see it, only one of them provides mounds of evidence (from the context to the specific format to the anonymity to the metaknowledge to the formality to the strange mannerisms and so on) pointing toward a single interpretation.

Alternative explanations

I've seen a few other theories regarding the writer's identity, the most common of which being the idea that Gaster was shattered into multiple personalities, and that this is a different "shard" from the one we've communicated in the past — I take issue with any theory that compartmentalizes one complicated character into multiple simple ones, but I suppose it doesn't necessarily have to be done that way. There are also theories that this is the Chapter 3/4 secret boss (associated with Gaster based on precedent), Mike (associated with Gaster through Spamton), or IMAGE_FRIEND (associated with Gaster via filename conventions), some of whom may or may not be the same person.
My main argument against these theories is that I simply don't think they're necessary. To reiterate, I think the whimsy Gaster displays here is consistent with his previous characterization (we've only seen him in scientific contexts until now, and even then a bit of whimsy manages to slip through), and the forgetfulness can easily be explained as well (since it only seems to apply to one subject). Again, the only hole I can find in my interpretation is the Japanese version, and none of these theories really explain the inconsistency there, leaving us back at square one — if it's merely a character associated with Gaster as opposed to the man himself, why aren't the similarities and differences roughly the same in both versions?
These theories don't make much sense to me when I attempt to look at them from Toby Fox's perspective, either. Getting a secret Valentine from Gaster is, technically speaking, like the coolest thing ever, and I think he realizes this. If he's willing to include a secret letter with this much lore in it, why leave out such an important character we've already communicated with? And furthermore, why give a different mysterious character so many of the same characteristics we use to identify Gaster in the absence of his appearance or name?
Also, isn't it telling that the debate seems split evenly between "Gaster" and "a theoretically infinite supply of basically made-up Gaster-adjacent characters"? While these theories could end up being accurate, I don't yet see any precedence for either Gaster having multiple personalities, nor any as-of-yet unseen/nonverbal characters sounding like the letter writer; these theories simply exist to explain a contradiction that I believe isn't truly there. They embody the principle of explosion, or "from contradiction, anything follows" — if you accept that it sounds both "like Gaster" and "unlike Gaster", you can make up anything in between these possibilities, an untouchable theory that can neither be proven by evidence or disproven by counterevidence. I personally don't find that line of thought very compelling.
In the most popular video on the topic, SpookyDood analyzes the letter through cadence, language, context, and function; however, I think something is lost from analyzing these aspects separately. Cadence, language, and function are largely dependent on context. If we accept the letter into that pool of Gaster characterization rather than nitpicking it into oblivion, we simply see new patterns emerge. We see that Gaster only uses particularly large words when he's referring to something scientific. We see that Gaster is slightly more enthusiastic when there's less pressure to be serious and professional. Basically, I feel that all of the inconsistencies SpookyDood brings up are easily explained by this letter being a different narrative context from the one Gaster has previously occupied (and I presume will largely continue to occupy), which is what I find so interesting about it.
As for cadence, SpookyDood says that "[Gaster's] pattern of each few words being broken up by a line break is no longer present", but the first 3 sentences alone are divided into 6 lines. He even calls out certain sentences in the vessel creation as going against this pattern, proving that it doesn't have to be consistent — while these line breaks do define the flow of Gaster's speech, I think the frequent use of ellipses here achieve the same effect without needlessly extending the length of the image.
The video ultimately posits that the writer is the man behind the tree, and honestly, I don't entirely disagree with that conclusion. The use of "well" checks out, as does the happy mood. In the case of both "DO YOU BELIEVE IT SO?" and "He might be happy to see you. What do you think?", the text moves on without directly responding to our answer. There's also a more loose connection to be made, in that both of these questions involve reality being dependent on our thoughts (whether each day is or is not a day of love, and whether there is or is not a man there), and likewise, dropping the egg causes the narration to act as though the egg was never there. (Obviously the man himself doesn't say any of this, but the association's still there through the narration.)
The connections don't strike me as plentiful or strong enough to stand toe-to-toe with the Gaster interpretation, but without much to go off of regarding the man, it doesn't have to deal with as much counterevidence either. I'd say I have the same problem with this theory as the others I've mentioned (an excessive avoidance of contradiction such that, instead of associating with said contradictions, the letter is attributed to a character we know so little about that it can't be argued against), but there's a fairly reasonable basis for argument here.
Thing is, I don't think these interpretations are mutually exclusive. I was ambivalent toward Gaster and the man (the mystery man, you could say) being one and the same, but the letter has done a lot to sway me toward that conclusion. Strengthening the connections between the letter, the man, and Gaster are the mutual association with forgetting (due to the blog post where Noelle can't remember the name of her egg), secrets, and disappearances. The letter's contrasting of contradictory statements ("NEW YEAR" vs. "OLD YEAR", "WASH YOUR FACE" vs. "WASH YOUR COAT") call to mind both the man ("a man" vs. "not a man", "not too important" vs. "not too unimportant") and the strange someone who corrupted Jevil ("didn't make sense" vs. "didn't not make sense").
If the letter was supposed to be written by the man, but not Gaster, I imagine the letter would have been formatted like this instead:
https://preview.redd.it/igudqtpisn0d1.png?width=2500&format=png&auto=webp&s=0dd63050999a033459f6255ac671a1ac4ad4fcd9

Conclusion

Sorry, that was long. I'm done!
submitted by Gfdgsgxgzgdrc to Deltarune [link] [comments]

2024.05.15 22:52 Little_TrapperKeeper So you want to talk about mommys???? 🫖☕️🫖

So you want to talk about mommys???? 🫖☕️🫖
I KNOW you're not talking about someone's mommy doing things for them when you're married to a Matthew Ross Webster.
OK let's talk about moms then.
Didn't Matt's mommy work at Lakehurst base?
Wasn't it his mommy who got him the towel boy job at the base gym, then helped him into the paint shop, then helped him get a GS position?
Wasn't it his mommy who helped him land a GS 12 position? A position that requires a bachelors degree or 10 years relevant experience and veteran status, all of which Matt does not have?
Wasn't it his mommy that let you two live in her house rent free when you first got together?
Wasn't it his mommy that helped you buy the home in Barnegat? It wasn't Twitter Money, that's for sure.
Is it his mommy that you withheld her grandchildren from for a year because she made you mad?
I need to give context before my next point. What I gather from people who had the same position as Matt, a buyer, is that as a credit card holder for the USNavy, there are certain protocols in place to procure items needed for the mission in order prevent fraud. It is my understanding that they are not to use one vendor exclusively, amoung other things, to ensure fraud isn't occurring.
When we would see Matt at the beach, or at Disney, or on a 5 week European vacation, or on a cruise, or making renovations to the homes, or moving homes, or cleaning homes, he should have been working. Working 8 hours a day would have given him plenty of time to work with multiple vendors to purchase from, or even check inventory to see if items needed to be ordered in the first place. But Matt wasn't working at all. My handful of sources on this topic told me that Matt was sending all of his orders to one vendor, without checking inventory or price. A big no no. I heard that someone brought this to the security office, as required by all federal employees (see something say something) at the base and nothing happened to this complaint. Why you may ask? Why would something this egregious be overlooked?
Was it his mommy that helped that go away?
Was it his mommy that worked for 30 years at the same base and was pretty high up there? Nepotism is a thing.
I heard she retired after 30 years of service without even an email wishing her well. Why? Come to think of it, Matt left that base with no pomp and circumstance, farewell party or email either. Hmmmmm....
I don't know USNAmom's son, but knowing what I know about USNAmom, I'm sure that she instilled a work ethic into her son. That her son is probably still employed at that base and doing well. That he has integrity. That he showed up to help the mission when he and others, like my spouse, had to come in and complete Matt's job when he moved to SC without approval. That he wasn't mad that Matt got to work from home, but rather mad that Matthew Ross Webster didn't work at all.
It's best we leave moms out of this, don't you think?

ThisIsTimeTheft

DoDIG

OIG

submitted by Little_TrapperKeeper to PWebbssnark [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 22:30 aznpersuazion Artificial Intelligence is NOT a Good Career

As with most things, the opinions expressed in this post are my own. Consider this as just one data point, and not as a guide to your career.
I've been working in the Data/AI space for 5 years now and I've seen hundreds of starry eyed people wanting to work in A.I. because they want to work with the latest and coolest cutting edge technology. But I want to share with you a few reasons why A.I. is not a good career choice.
  1. A.I. positions could end up like the "data scientist" position. Looking at the history of the data scientist position, in 2010-2020, the hype around data science made it so that millions of people flocked to that position. Companies eventually realized that most them actually didn't need data science, and the impact of the position didn't always help them profit. The demand of the job has plummeted in recent years, leaving millions of aspiring data scientists unemployed or needing to pursue a different career.
  2. A.I. positions will be less than .0001% of tech engineering jobs. In the next few decades, the demand for software and data engineering roles will be much more needed at most companies that A.I. roles. Only a small group companies will a be pursuing A.I. initiatives, while the majority of companies will still need software and data engineers. But because 90% of tech news is A.I. related, there will be a massive influx of people trying to enter the space.
  3. The barriers to entry are huge. To pursue a career in A.I. and machine learning. A person's understanding of statistics and software engineering need to be extremely high. To get to that level of knowledge requires much more dedication and studying than most people imagine. Becoming a decent software engineer or data professional is already difficult for the average person.
Before you decide to pursue this as a career, it's important to consider some of the cons listed below. Perhaps consider taking a smaller step first and trying to land a job as a software engineer or data analyst. If you're already in a technical field, consider not putting all your eggs into one basket, and making sure you know enough skills to stay gainfully employed in the job market.
​
**If you found any of this helpful, consider checking out a referral link. You get additional sign up and welcome bonuses. Signing up and using Rakuten for cash back is free!*\*
submitted by aznpersuazion to dataengineeringstuff [link] [comments]

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Everything in my inventory is up for trade. The most valuable items are listed here, the rest you can find in My Inventory

Feel free to Add Me or even better send a Trade Offer. Open for any suggestions: upgrades, downgrades / knives, gloves, skins / stickers, patterns, floats.

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★ Stiletto Knife, B/O: $601.39

★ Stiletto Knife Crimson Web (Field-Tested), B/O: $418.25

★ Stiletto Knife Night Stripe (Field-Tested), B/O: $227.80

★ Stiletto Knife Boreal Forest (Field-Tested), B/O: $194.96

★ Stiletto Knife Safari Mesh (Field-Tested), B/O: $192.79

⎯

★ Nomad Knife Crimson Web (Field-Tested), B/O: $518.11

★ Nomad Knife Scorched (Field-Tested), B/O: $169.78

★ Nomad Knife Forest DDPAT (Battle-Scarred), B/O: $166.88

★ StatTrak™ Nomad Knife Blue Steel (Field-Tested), B/O: $335.79

⎯

★ Skeleton Knife Stained (Well-Worn), B/O: $442.05

★ Skeleton Knife Urban Masked (Minimal Wear), B/O: $426.24

★ Skeleton Knife Boreal Forest (Field-Tested), B/O: $314.03

★ StatTrak™ Skeleton Knife Fade (Minimal Wear), B/O: $2361.28

★ StatTrak™ Skeleton Knife Urban Masked (Field-Tested), B/O: $376.53

⎯

★ Ursus Knife Doppler (Factory New), B/O: $557.12

★ Ursus Knife, B/O: $471.42

★ Ursus Knife Blue Steel (Minimal Wear), B/O: $212.37

★ Ursus Knife Case Hardened (Battle-Scarred), B/O: $187.66

★ Ursus Knife Damascus Steel (Field-Tested), B/O: $178.18

★ Ursus Knife Ultraviolet (Battle-Scarred), B/O: $155.13

★ Ursus Knife Boreal Forest (Battle-Scarred), B/O: $124.26

⎯

★ Huntsman Knife Black Laminate (Minimal Wear), B/O: $204.83

★ Huntsman Knife Black Laminate (Field-Tested), B/O: $184.50

★ StatTrak™ Huntsman Knife Lore (Battle-Scarred), B/O: $224.11

⎯

★ Bowie Knife Gamma Doppler (Factory New), B/O: $2142.02

★ Bowie Knife, B/O: $230.44

★ Bowie Knife Damascus Steel (Factory New), B/O: $209.20

★ Bowie Knife Ultraviolet (Minimal Wear), B/O: $180.51

★ Bowie Knife Ultraviolet (Field-Tested), B/O: $131.03

⎯

★ Falchion Knife Night (Field-Tested), B/O: $132.54

★ Falchion Knife Urban Masked (Well-Worn), B/O: $112.81

★ Falchion Knife Scorched (Field-Tested), B/O: $108.81

★ Falchion Knife Forest DDPAT (Field-Tested), B/O: $107.82

★ Falchion Knife Safari Mesh (Field-Tested), B/O: $107.46

★ StatTrak™ Falchion Knife Ultraviolet (Field-Tested), B/O: $143.08

⎯

★ Paracord Knife Crimson Web (Minimal Wear), B/O: $486.48

★ Paracord Knife Blue Steel (Battle-Scarred), B/O: $163.12

⎯

★ Survival Knife Blue Steel (Battle-Scarred), B/O: $138.26

★ Survival Knife Night Stripe (Field-Tested), B/O: $131.03

⎯

★ Gut Knife Sapphire (Minimal Wear), B/O: $1127.79

★ Gut Knife Gamma Doppler (Factory New), B/O: $286.17

★ Gut Knife Doppler (Factory New), B/O: $246.55

★ Gut Knife Marble Fade (Factory New), B/O: $240.77

★ Gut Knife, B/O: $210.49

★ Gut Knife Lore (Field-Tested), B/O: $194.22

★ Gut Knife Case Hardened (Battle-Scarred), B/O: $151.51

★ Gut Knife Blue Steel (Minimal Wear), B/O: $124.94

★ Gut Knife Rust Coat (Well-Worn), B/O: $118.99

★ Gut Knife Boreal Forest (Minimal Wear), B/O: $109.80

★ StatTrak™ Gut Knife Doppler (Factory New), B/O: $237.96

⎯

★ Shadow Daggers Gamma Doppler (Factory New), B/O: $264.92

★ Shadow Daggers Marble Fade (Factory New), B/O: $253.03

★ Shadow Daggers Tiger Tooth (Factory New), B/O: $237.22

★ Shadow Daggers Crimson Web (Field-Tested), B/O: $153.40

★ Shadow Daggers Autotronic (Minimal Wear), B/O: $144.42

★ Shadow Daggers Blue Steel (Field-Tested), B/O: $105.20

★ StatTrak™ Shadow Daggers Damascus Steel (Minimal Wear), B/O: $150.46

⎯

★ Navaja Knife Fade (Factory New), B/O: $365.99

★ Navaja Knife Doppler (Factory New), B/O: $228.93

★ Navaja Knife Marble Fade (Factory New), B/O: $227.43

★ Navaja Knife Slaughter (Factory New), B/O: $209.06

★ Navaja Knife, B/O: $203.16

★ Navaja Knife Case Hardened (Well-Worn), B/O: $132.57

★ Navaja Knife Damascus Steel (Factory New), B/O: $121.69

★ Navaja Knife Damascus Steel (Minimal Wear), B/O: $109.95

★ Navaja Knife Damascus Steel (Field-Tested), B/O: $100.41

★ StatTrak™ Navaja Knife Fade (Factory New), B/O: $369.01

★ StatTrak™ Navaja Knife Damascus Steel (Field-Tested), B/O: $109.95

GLOVES

★ Sport Gloves Amphibious (Minimal Wear), B/O: $2394.67

★ Sport Gloves Omega (Well-Worn), B/O: $572.33

★ Sport Gloves Bronze Morph (Minimal Wear), B/O: $338.88

★ Sport Gloves Big Game (Field-Tested), B/O: $323.66

⎯

★ Specialist Gloves Marble Fade (Minimal Wear), B/O: $1652.07

★ Specialist Gloves Tiger Strike (Field-Tested), B/O: $599.14

★ Specialist Gloves Crimson Web (Well-Worn), B/O: $231.57

★ Specialist Gloves Buckshot (Minimal Wear), B/O: $126.21

⎯

★ Moto Gloves POW! (Minimal Wear), B/O: $996.99

★ Moto Gloves POW! (Field-Tested), B/O: $383.31

★ Moto Gloves POW! (Well-Worn), B/O: $276.00

★ Moto Gloves Turtle (Field-Tested), B/O: $180.28

⎯

★ Hand Wraps CAUTION! (Minimal Wear), B/O: $502.29

★ Hand Wraps Giraffe (Minimal Wear), B/O: $180.73

★ Hand Wraps CAUTION! (Battle-Scarred), B/O: $178.32

⎯

★ Driver Gloves Queen Jaguar (Minimal Wear), B/O: $181.01

★ Driver Gloves Rezan the Red (Field-Tested), B/O: $101.66

⎯

★ Broken Fang Gloves Jade (Field-Tested), B/O: $127.88

★ Broken Fang Gloves Needle Point (Minimal Wear), B/O: $124.55

⎯

★ Bloodhound Gloves Guerrilla (Minimal Wear), B/O: $127.94

★ Hydra Gloves Case Hardened (Field-Tested), B/O: $102.55

WEAPONS

AK-47 X-Ray (Well-Worn), B/O: $478.95

AUG Hot Rod (Factory New), B/O: $425.83

StatTrak™ M4A1-S Hyper Beast (Factory New), B/O: $413.95

M4A4 Daybreak (Factory New), B/O: $309.51

StatTrak™ AK-47 Aquamarine Revenge (Factory New), B/O: $305.43

AK-47 Case Hardened (Well-Worn), B/O: $196.38

StatTrak™ M4A4 Temukau (Minimal Wear), B/O: $174.64

P90 Run and Hide (Field-Tested), B/O: $167.03

AWP Asiimov (Field-Tested), B/O: $153.33

Souvenir SSG 08 Death Strike (Minimal Wear), B/O: $140.00

M4A1-S Printstream (Battle-Scarred), B/O: $124.70

StatTrak™ M4A1-S Golden Coil (Field-Tested), B/O: $117.48

AWP Asiimov (Well-Worn), B/O: $115.97

StatTrak™ Desert Eagle Printstream (Minimal Wear), B/O: $112.96

StatTrak™ AK-47 Asiimov (Minimal Wear), B/O: $110.85

Souvenir M4A1-S Master Piece (Well-Worn), B/O: $102.42

AK-47 Bloodsport (Minimal Wear), B/O: $100.53

Trade Offer Link - Steam Profile Link - My Inventory

Knives - Bowie Knife, Butterfly Knife, Falchion Knife, Flip Knife, Gut Knife, Huntsman Knife, M9 Bayonet, Bayonet, Karambit, Shadow Daggers, Stiletto Knife, Ursus Knife, Navaja Knife, Talon Knife, Classic Knife, Paracord Knife, Survival Knife, Nomad Knife, Skeleton Knife, Patterns - Gamma Doppler, Doppler (Phase 1, Phase 2, Phase 3, Phase 4, Black Pearl, Sapphire, Ruby, Emerald), Crimson Web, Lore, Fade, Ultraviolet, Night, Marble Fade (Fire & Ice, Fake FI), Case Hardened (Blue Gem), Autotronic, Slaughter, Black Laminate, Tiger Tooth, Boreal Forest, Scorched, Blue Steel, Vanilla, Damascus Steel, Forest DDPAT, Urban Masked, Freehand, Stained, Bright Water, Safari Mesh, Rust Coat, Gloves - Bloodhound Gloves (Charred, Snakebite, Guerrilla, Bronzed), Driver Gloves (Snow Leopard, King Snake, Crimson Weave, Imperial Plaid, Black Tie, Lunar Weave, Diamondback, Rezan the Red, Overtake, Queen Jaguar, Convoy, Racing Green), Hand Wraps (Cobalt Skulls, CAUTION!, Overprint, Slaughter, Leather, Giraffe, Badlands, Spruce DDPAT, Arboreal, Constrictor, Desert Shamagh, Duct Tape), Moto Gloves (Spearmint, POW!, Cool Mint, Smoke Out, Finish Line, Polygon, Blood Pressure, Turtle, Boom!, Eclipse, 3rd Commando Company, Transport), Specialist Gloves (Crimson Kimono, Tiger Strike, Emerald Web, Field Agent, Marble Fade, Fade, Foundation, Lt. Commander, Crimson Web, Mogul, Forest DDPAT, Buckshot), Sport Gloves (Pandora's Box, Superconductor, Hedge Maze, Vice, Amphibious, Slingshot, Omega, Arid, Big Game, Nocts, Scarlet Shamagh, Bronze Morph), Hydra Gloves (Case Hardened, Emerald, Rattler, Mangrove), Broken Fang Gloves (Jade, Yellow-banded, Unhinged, Needle Point), Pistols - P2000 (Wicked Sick, Ocean Foam, Fire Element, Amber Fade, Corticera, Chainmail, Imperial Dragon, Obsidian, Scorpion, Handgun, Acid Etched), USP-S (Printstream, Kill Confirmed, Whiteout, Road Rash, Owergrowth, The Traitor, Neo-Noir, Dark Water, Orion, Blueprint, Stainless, Caiman, Serum, Monster Mashup, Royal Blue, Ancient Visions, Cortex, Orange Anolis, Ticket To Hell, Black Lotus, Cyrex, Check Engine, Guardian, Purple DDPAT, Torque, Blood Tiger, Flashback, Business Class, Pathfinder, Para Green), Lead Conduit, Glock-18 (Ramese's Reach, Umbral Rabbit, Fade, Candy Apple, Bullet Queen, Synth Leaf, Neo-Noir, Nuclear Garden, Dragon Tatto, Reactor, Pink DDPAT, Twilight Galaxy, Sand Dune, Groundwater, Blue Fissure, Snack Attack, Water Elemental, Brass, Wasteland Rebel, Vogue, Franklin, Royal Legion, Gamma Doppler, Weasel, Steel Disruption, Ironwork, Grinder, High Beam, Moonrise, Oxide Blaze, Bunsen Burner, Clear Polymer, Bunsen Burner, Night), P250 (Apep's Curse, Re.built, Nuclear Threat, Modern Hunter, Splash, Whiteout, Vino Primo, Mehndi, Asiimov, Visions, Undertow, Cartel, See Ya Later, Gunsmoke, Splash, Digital Architect, Muertos, Red Rock, Bengal Tiger, Crimson Kimono, Wingshot, Metallic DDPAT, Hive, Dark Filigree, Mint Kimono), Five-Seven (Neon Kimono, Berries And Cherries, Fall Hazard, Crimson Blossom, Hyper Beast, Nitro, Fairy Tale, Case Hardened, Copper Galaxy, Angry Mob, Monkey Business, Fowl Play, Anodized Gunmetal, Hot Shot, Retrobution, Boost Protocol), CZ75-Auto (Chalice, Crimson Web, Emerald Quartz, The Fuschia is Now, Nitro, Xiangliu, Yellow Jacket, Victoria, Poison Dart, Syndicate, Eco, Hexane, Pole, Tigris), Tec-9 (Mummy's Rot, Rebel, Terrace, Nuclear Threat, Hades, Rust Leaf, Decimator, Blast From, Orange Murano, Toxic, Fuel Injector, Remote Control, Bamboo Forest, Isaac, Avalanche, Brother, Re-Entry, Blue Titanium, Bamboozle), R8 Revolver (Banana Cannon, Fade, Blaze, Crimson Web, Liama Cannon, Crazy 8, Reboot, Canal Spray, Night, Amber Fade), Desert Eagle (Blaze, Hand Cannon, Fennec Fox, Sunset Storm, Emerald Jörmungandr, Pilot, Hypnotic, Golden Koi, Printstream, Cobalt Disruption, Code Red, Ocean Drive, Midnight Storm, Kumicho Dragon, Crimson Web, Heirloom, Night Heist, Mecha Industries, Night, Conspiracy, Trigger Discipline, Naga, Directive, Light Rail), Dual Berettas (Flora Carnivora, Duelist, Cobra Strike, Black Limba, Emerald, Hemoglobin, Twin Turbo, Marina, Melondrama, Pyre, Retribution, Briar, Dezastre, Royal Consorts, Urban Shock, Dualing Dragons, Panther, Balance), Rifles - Galil (Aqua Terrace, Winter Forest, Chatterbox, Sugar Rush, Pheonix Blacklight, CAUTION!, Orange DDPAT, Cerberus, Dusk Ruins, Eco, Chromatic Aberration, Stone Cold, Tuxedo, Sandstorm, Shattered, Urban Rubble, Rocket Pop, Kami, Crimson Tsunami, Connexion), SCAR-20 (Fragments, Brass, Cyrex, Palm, Splash Jam, Cardiac, Emerald, Crimson Web, Magna Carta, Stone Mosaico, Bloodsport, Enforcer), AWP (Black Nile, Duality, Gungnir, Dragon Lore, Prince, Medusa, Desert Hydra, Fade, Lightning Strike, Oni Taiji, Silk Tiger, Graphite, Chromatic Aberration, Asiimov, Snake Camo, Boom, Containment Breach, Wildfire, Redline, Electric Hive, Hyper Beast, Neo-Noir, Man-o'-war, Pink DDPAT, Corticera, Sun in Leo, Elite Build, Fever Dream, Atheris, Mortis, PAW, Exoskeleton, Worm God, POP AWP, Phobos, Acheron, Pit Viper, Capillary, Safari Mesh), AK-47 (Steel Delta, Head Shot, Wild Lotus, Gold Arabesque, X-Ray, Fire Serpent, Hydroponic, Panthera Onca, Case Hardened, Vulcan, Jet Set, Fuel Injector, Bloodsport, Nightwish, First Class, Neon Rider, Asiimov, Red Laminate, Aquamarine Revenge, The Empress, Wasteland Rebel, Jaguar, Black Laminate, Leet Museo, Neon Revolution, Redline, Frontside Misty, Predator, Legion of Anubis, Point Disarray, Orbit Mk01, Blue Laminate, Green Laminate, Emerald Pinstripe, Cartel, Phantom Disruptor, Jungle Spray, Safety Net, Rat Rod, Baroque Purple, Slate, Elite Build, Uncharted, Safari Mesh), FAMAS (Waters of Nephthys, Sundown, Prime Conspiracy, Afterimage, Commemoration, Dark Water, Spitfire, Pulse, Eye of Athena, Meltdown, Rapid Eye Move, Roll Cage, Styx, Mecha Industrie, Djinn, ZX Spectron, Valence, Neural Net, Night Borre, Hexne), M4A4 (Eye of Horus, Temukau, Howl, Poseidon, Asiimov, Daybreak, Hellfire, Zirka, Red DDPAT, Radiation Hazard, Modern Hunter, The Emperor, The Coalition, Bullet Rain, Cyber Security, X-Ray, Dark Blossom, Buzz Kill, In Living Color, Neo-Noir, Desolate Space, 龍王 (Dragon King), Royal Paladin, The Battlestar, Global Offensive, Tooth Fairy, Desert-Strike, Griffin, Evil Daimyo, Spider Lily, Converter), M4A1-S (Emphorosaur-S, Welcome to the Jungle, Imminent Danger, Knight, Hot Rod, Icarus Fell, Blue Phosphor, Printstream, Master Piece, Dark Water, Golden Coil, Bright Water, Player Two, Atomic Alloy, Guardian, Chantico's Fire, Hyper Beast, Mecha Industries, Cyrex, Control Panel, Moss Quartz, Nightmare, Decimator, Leaded Glass, Basilisk, Blood Tiger, Briefing, Night Terror, Nitro, VariCamo, Flashback), SG 553 (Cyberforce, Hazard Pay, Bulldozer, Integrale, Dragon Tech, Ultraviolet, Colony IV, Hypnotic, Cyrex, Candy Apple, Barricade, Pulse), SSG 08 (Death Strike, Sea Calico, Blood in the Water, Orange Filigree, Dragonfire, Big Iron, Bloodshot, Detour, Turbo Peek, Red Stone), AUG (Akihabara Accept, Flame Jörmungandr, Hot Rod, Midnight Lily, Sand Storm, Carved Jade, Wings, Anodized Navy, Death by Puppy, Torque, Bengal Tiger, Chameleon, Fleet Flock, Random Access, Momentum, Syd Mead, Stymphalian, Arctic Wolf, Aristocrat, Navy Murano), G3SG1 (Chronos, Violet Murano, Flux, Demeter, Orange Kimono, The Executioner, Green Apple, Arctic Polar Camo, Contractor), SMGs - P90 (ScaraB Rush, Neoqueen, Astral Jörmungandr, Run and Hide, Emerald Dragon, Cold Blooded, Death by Kitty, Baroque Red, Vent Rush, Blind Spot, Asiimov, Trigon, Sunset Lily, Death Grip, Leather, Nostalgia, Fallout Warning, Tiger Pit, Schermatic, Virus, Shapewood, Glacier Mesh, Shallow Grave, Chopper, Desert Warfare), MAC-10 (Sakkaku, Hot Snakes, Copper Borre, Red Filigree, Gold Brick, Graven, Case Hardened, Stalker, Amber Fade, Neon Rider, Tatter, Curse, Propaganda, Nuclear Garden, Disco Tech, Toybox, Heat, Indigo), UMP-45 (Wild Child, Fade, Blaze, Day Lily, Minotaur's Labyrinth, Crime Scene, Caramel, Bone Pile, Momentum, Primal Saber), MP7 (Teal Blossom, Fade, Nemesis, Whiteout, Asterion, Bloosport, Abyssal Apparition, Full Stop, Special Delivery, Neon Ply, Asterion, Ocean Foam, Powercore, Scorched, Impire), PP-Bizon (Modern Hunter, Rust Coat, Forest Leaves, Antique, High Roller, Blue Streak, Seabird, Judgement of Anubis, Bamboo Print, Embargo, Chemical Green, Coblat Halftone, Fuel Rod, Photic Zone, Irradiated Alert, Carbon Fiber), MP9 (Featherweight, Wild Lily, Pandora's Box, Stained Glass, Bulldozer, Dark Age, Hot Rod, Hypnotic, Hydra, Rose Iron, Music Box, Setting Sun, Food Chain, Airlock, Mount Fuji, Starlight Protector, Ruby Poison Dart, Deadly Poison), MP5-SD (Liquidation, Oxide Oasis, Phosphor, Nitro, Agent, Autumn Twilly), Shotguns, Machineguns - Sawed-Off (Kiss♥Love, First Class, Orange DDPAT, Rust Coat, The Kraken, Devourer, Mosaico, Wasteland Princess, Bamboo Shadow, Copper, Serenity, Limelight, Apocalypto), XM1014 (Frost Borre, Ancient Lore, Red Leather, Elegant Vines, Banana Leaf, Jungle, Urban Perforated, Grassland, Blaze Orange, Heaven Guard, VariCamo Blue, Entombed, XOXO, Seasons, Tranquility, Bone Machine, Incinegator, Teclu Burner, Black Tie, Zombie Offensive, Watchdog), Nova (Sobek's Bite, Baroque Orange, Hyper Beast, Green Apple, Antique, Modern Hunter, Walnut, Forest Leaves, Graphite, Blaze Orange, Rising Skull, Tempest, Bloomstick, Interlock, Quick Sand, Moon in Libra, Clean Polymer, Red Quartz, Toy Soldier), MAG-7 (Copper Coated, Insomnia, Cinqueda, Counter Terrace, Prism Terrace, Memento, Chainmail, Hazard, Justice, Bulldozer, Silver, Core Breach, Firestarter, Praetorian, Heat, Hard Water, Monster Call, BI83 Spectrum, SWAG-7), M249 (Humidor, Shipping Forecast, Blizzard Marbleized, Downtown, Jungle DDPAT, Nebula Crusader, Impact Drill, Emerald Poison Dart), Negev (Mjölnir, Anodized Navy, Palm, Power Loader, Bratatat, CaliCamo, Phoenix Stencil, Infrastructure, Boroque Sand), Wear - Factory New (FN), Minimal Wear (MW), Field-Tested (FT), Well-Worn (WW), Battle-Scarred (BS), Stickers Holo/Foil/Gold - Katowice 2014, Krakow 2017, Howling Dawn, Katowice 2015, Crown, London 2018, Cologne 2014, Boston 2018, Atlanta 2017, Cluj-Napoca 2015, DreamHack 2014, King on the Field, Harp of War, Winged Difuser, Cologne 2016, Cologne 2015, MLG Columbus 2016, Katowice 2019, Berlin 2019, RMR 2020, Stockholm 2021, Antwerp 2022, Paris 2023, Swag Foil, Flammable foil, Others - Souvenirs, Agents, Pins, Passes, Gifts, Music Kits, Cases, Keys, Capsules, Packages, Patches

Some items on the list may no longer be available or are still locked, visit My Inventory for more details.

Send a Trade Offer for fastest response. I consider all offers.

Add me for discuss if there is a serious offer that needs to be discussed.

submitted by _Triple_ to Csgotrading [link] [comments]

2024.05.15 20:53 sookfong A Week In Vancouver Island on a $92,000 Salary (Original Submission)

Please note this is the original submission I sent Refinery29. In the current post,they have given me a second credit card with a 100$ balance, as well as generational trauma from World War II and cut context for other things. I am trying to get that fixed.
Per previous discussion in comments here: The espresso machine is a Bezzera, which ranges from 2-5K. We got ours on sale for 1.7K, it’s a work house and we use it everyday, still hurts that we spent that money on a coffee maker.
I do understand mortgage is debt but when you compare it to rent to a lesser value condo in Vancouver it feels like not debt at all, which is how I tend to think of it. Yes I owe my mortgage but also I get my house instead of renting-which may not have become clear.
Please see in full the diary, below (edit for formatting via mobile)
Occupation: Sr Business Analyst
Industry: Tech
Age: 30
Location: Vancouver Island, BC
Salary: 92,000$ (Spouse makes 60,000$ for a combined income of 152,000$ before tax)
Net Worth: ~ 1.2 Million ( house is valued at 989,000$ currently, we have a combined 150,000 in pension, and ~60,000 in various company stocks, and GICs)
Debt: 3,000$ in a zero interest credit card for a 10 month period. We balanced transferred and pay 400$/month. Debt was acquired in Q4 2023 when we had to buy Snow Tires, and do a full break replacement as well as Christmas. 480,000$ in a mortgage, we refinanced in September 2023 for five years fixed rate at accelerated biweekly, however I don’t consider our mortgage debt due to the equity we are gaining, and that our mortgage for a five bedroom, 3 bath single family home is less than rent for a two bedroom condo in Vancouver
Paycheck Amount (Every 2 Weeks): 2,555$ after taxes. (Just mine). Spouse makes 2,308$ after taxes. Our pay periods are alternating.
Pronouns: She/her
Monthly Expenses Mortgage: 1450$ biweekly (100$ extra to the principal).
Utilities: ~200$ (includes water [paid quarterly], hydro [paid bimonthly], gas, sewetrash [paid quarterly] phone [highly discounted due to work plans for spouse and myself] and car gas) Loan Payments: 400$/Credit Card
Car Insurance: 84$
Life Insurance: 167$ combined (67$ me, 100$ spouse)
Health & Dental Insurance: 60$ deducted from pay (coverage for myself and spouse from my employer. Spouse also has coverage for both of us deducted from pay)
Retirement Contribution: 400$ (Employee matches me), (Spouse has a defined pension through work and contributes ~200$ month)
Union fees: 70$ Spouse
Subscriptions: Crave 22$/month (Recent splurge for Binge watching the Rookie), Playstation Plus 100$ (annual bought on Black Friday Deal), Amazon Prime 80$ (Annual), BCAA 120$ (annual) Gym 30$/month (we both have one so 15$/pp)
Note: My spouse and I have completely commingled finances. I will be tracking both as it’s essentially I spent whatever they spent
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?
There was always the expectation. My father was very clear, we were very smart. There was no way we’d be wasting our potential. He wanted me to be a lawyer, but unlike other immigrant parents, I got to choose my major and went into social sciences and got my masters in history. I deferred my PhD too much so I got dropped by the program.
I chose my university by where I got a full first year scholarship and then after that took about 15k in student loans for my undergraduate. My parents paid my rent and I got a part time job for food.
For my masters, I had a student line of credit and 5 k student loans otherwise it was all my savings and scholarships. With the line of credit, I had a total of 30K in student loans and paid it off in about four years.
Growing up, what kind of conversations did you have about money? Did your parent(s)/guardian(s) educate you about finances?
Save. We talked about how you get a dollar allowance and half of it goes into long term saving with 25% in short term and 25% in spend.
Investing came after I was eighteen. Family would like us to invest in property, however I don’t really want to be a landlord, but also we wouldn’t get to really enjoy profit of owning a rental property due to other family circumstances.
What was your first job and why did you get it?
Ice cream parlour I was twelve and my parents made me get it for responsibility. I lasted three weeks because I hated it.
Did you worry about money growing up?
I grew up thinking we were not rich, because we didn’t get big plane vacations (I didn’t count flying from Toronto to Vancouver every summer as a vacation since we were just seeing family but staying in a house my parents owned) and I had only been to Disney twice.
But we had a big new build house in the rich end of town, my mom stayed home to raise all of us. We had to work for things (like going to see a movie opening night or a new CD) but we always had money and got what we wanted. In retrospect, my family was/is fairly well off.
Both my parents grew up poor, with parents working multiple jobs and different shifts to make ends meet, the strive/drive to not have that childhood, and for my father to be able to retire his parents really impacted mine and my siblings and cousins lives. My father showed me the apartment he grew up in Chinatown a few years back. It’s light years away from the house my grandparents owned when I was a kid and how I grew up.
Do you worry about money now?
Of course. Inflation is real and we are actively planning a wedding for the next year, as well as a baby in the next few years. We also need to buy a second car, so we’re saving for that.
At what age did you become financially responsible for yourself and do you have a financial safety net?
Fully financially responsible? Twenty five. I lived in a family property where I didn’t pay rent in one of the most expensive cities in Canada, so even though I paid all my bills (food and phone), I didn’t have to pay rent. I in fact made money, as I rented rooms out and used the income for house utilities, and paying my student loans down faster. When I moved in with my spouse, I just paid condo fees until we bought our house two years ago which gave me plenty of time to save.
Our financial safety net is family, and our savings. I know my family would bail us out. My spouse’s father would as well. Conversely, we are my spouse’s mother's safety net and we have to keep all our plans in mind that we will be subsidising her.
Do you or have you ever received passive or inherited income? If yes, please explain. Yes, I received 50K from my parents once they sold my childhood home, as did both of my siblings. I have also received 10K from one set of grandparents which paid off my car and part of my student loans when I was 21. I will be receiving another inheritance when probate is done for around ~100K. My spouse also has received inheritance which allowed them to buy their first condo in their early twenties when the market was much better. That condo, 50k, and the subsequent upgrading helped us afford our house.
Day 1
10 AM: I drive to the pharmacy to pick up a prescription. Not how I want to start my Sunday morning but y’know. Normally I’d walk since it’s about 20 minutes but I have a UTI. I’m “lucky” that despite not having a dr because of the health care shortage, my work pays for the Maple app so I could get a dr to write the prescription and order the lab work at 1 am. I’ll do the lab work later this week when I can get an appointment but will take the relief now. Insurance makes the antibiotics free, but I also buy hydrogen peroxide because we’re out and we have a dog that thinks everything is meant to be in her mouth. We’ll buy a bigger one at Costco later. I also bought some oral wound mouthwash because we were out. I come home and my spouse made us breakfast.
Total: 15.90$ paid with debit.
1-2:30 PM: We do our taxes. I have a mini meltdown when I realize the part time bakery job I had for a few months didn’t take off income tax last year, so I owe 800$. Luckily, my partner is getting a refund so we net out positive 400$. The bakery took off income tax in 2022, so unsure why they didn’t in 2023. I made us lunch.
3-6:30 PM: We walk the dog, and watch the Rookie. Some time during that time period, a venue emails us back and is surprisingly affordable at 3k. I also get told that the tattoo artist I want to book with, has not chosen me.
6:30-7:30 PM: I explain what lazy girl dinner is to my spouse and make a lazy girl dinner. After not really grocery shopping since Feb for things besides fresh veg, we need to do a big pantry shop and neither of us want that. We debate about buying a food saver and if we should wait for a sale. My spouse is more frugal than me and has determined we should.
8-9:30 PM: We start season 3 of The Rookie, and then after two episodes we go to bed
Day One Total: 15.90$
Day Two
5:45-8 AM: Wake up and start work. I get up to date with what’s happened on the weekend and check that my automated reports. Sometime before 6:30, I get the kettle on for my spouse’s pour over before I go back to my meetings. There’s a twenty minute gap where I get changed and do my skin care and brush my teeth. I’d love to be a skin care person but honestly I’ve spent too much money on product that I don’t use and that just goes bad. Washing my face and using sun screen is a win.
I also make sure that Spouse’s lunch is in his bag and I get our travel mugs ready. Before, we used to go to Starbucks every day. Starbucks used to do free refills on coffee and tea if you were a rewards member if you bought a coffee or tea so it would cost us $5/day (2.5/pp), and we could get refills all day. While that’s 20$/week, 80$/a month and yes, we could have saved it but back then, that 80$ wasn’t turning the dial anywhere significantly for us—a privileged view.
But now, after COVID where I stopped drinking tea after one day working from home having like 10 cups and thinking I was dying, and Spouse has bought a good grinder and we recently splurged on a stupidly expensive espresso machine we call his Engagement Espresso since it costs the same price as my stupidly expensive ring, we bring our coffees.
8-8:30 AM: We drive to work. Prior to buying our house, we were both work from home and lived in a city with amazing transit. We only needed the one car. Since buying the house and moving to a city where public transit is a joke (the one bus goes past our house every 1.5h), Spouse changed jobs and is in office every day and I have to go in 3 days a week. We need a second car or the e-bike rebate to come through. We debate this in the car, since I’m done at 1 pm, and Spouse works normal hours, I either have to take the bus home, or go to the gym for three hours. Today though, I drop Spouse off. I will pick him up later as he has a half day because of the dentist
8:30-12:30 AM/PM: Work. I find a tech manager and ask them to get me more triple a batteries. Work won’t provide or let me expense batteries for my mouse, despite them replacing my usb mouse with a battery one. The poor admin had to tell me the decision is that we’ll all supply our own batteries. Luckily the tech managers have to have batteries on hand and give them out freely.
I ask my boss how the work from home tax forms work, and he is going to find out.
I run more meetings and work on a request for a dashboard and a business case for a new feature that I have to convince leadership to spend money on.
12:30-1 PM: I drive back to my Spouse because he has a dentist appointment.
While I wait for a spouse, I am incredibly hungry. I’m usually not hungry/don’t eat a proper meal until around 1 in the afternoon and my two granola bars I already ate at the office. I go to the bakery by Spouse’s work and buy a cheese bun for me (3.65$), and an apple pie scone (2.55$) for Spouse as a snack. Spouse points out he won’t be able to eat until after his appointment.
Total: 6.20$ debit
1-1:30 PM: I drop Spouse off, and the car stops working. The engine won’t catch. I try multiple times and then run into the dentist to dramatically announce to Spouse and the receptionists that the car won’t start. Spouse asks me what he wants me to do about this, since he’s about to go into an appointment. A very kind receptionist tells me it might be the alternator. I don’t know what that is.
I go back to the car to Facetime my father. He also asks what I think he can do to help since he lives 3000 km away. Weirdly, and sexistly, I thought a man who grew up at race tracks, in a racing family, or the man who has collected and worked on sports cars for forty years might be able to help.
Spouse texts me to remind me we have BCAA while my father also tells me that. I finally get the engine to catch and drive the very long way home, going the speed limit and getting stuck in traffic, construction and a bus. It takes me 20 minutes to get home instead of 10.
1:30-2:30 PM: I walk the dog, mail a (late) birthday card and then start researching what an alternator is. The car is over a decade old and until the house, the most expensive thing I ever bought at 12K back in 2015. We have the funds for the cost, but it’s my first car and the fact it might be the end of its life is scary.
Alternators can cost between 400-800$ repair with labour, so that’s fun.
My dad calls me back and apologises for asking me what he could do away. He advises me that there’s probably a bald spot on the alternator and advises me to go to the mechanic to check or replace it, if the car doesn’t start again.
I call the mechanic to book an appointment, and to also get the snow tires off and to buy new rims for the snow tires. The mechanic lets me know that the alternator part is 500$, and an hour of labour so with taxes we’re looking at around 700$
That future appointment next week (we’re going down a highway this weekend which requires snow tires) will cost ~1.5K, assuming we replace the alternator.
I make lunch and sigh.
2:30 PM: The car starts thankfully. I drive incredibly slow. I pick up Spouse by idling the car. We get an email back from a venue saying they cost 75,000$ minimum. The timing is hysterical.
Due to the nature of the dentist, Spouse owes 618$, as they haven’t flipped it under my insurance. They split it in half, as he has a follow up in two weeks. After the next appointment they will flip the whole amount under me and we’ll get reimbursed for the whole amount.
Total 309$/credit card.
3-10 PM: We walk the dog, make dinner (Spouse makes white sauce pasta, with chicken and peas) and watch The Rookie. There are thirteen episodes in season three, and we will be busy every night this week besides Friday and Sunday, and I would like to finish season three so we can start season 4 next Monday. I don’t want to pay for more than one month of Crave. We have five episodes left
Day Two Total: 315.2$
Day Three
1 AM: 100$ is automatically transferred from our account to the credit card debit. We have an auto transfer of 100$/every Tuesday to a Visa where we balance transferred both our cards. We have an offer for 0 interest for 10 months, so we did that for some of the bigger expenses (snow tires, break replacement and general Christmas) and are on track to pay it back within the next 6 months. That visa is our emergency card that we just have in the back end and utilise for promos like this. It allows us to keep our two cards balances manageable and lets us pay in an easier way than taking big chunks out of our various savings.
Total: 100$/direct deposit
5:45-9 AM: Work. Meetings, reports, trying to convince a colleague that the process does include them and refusal to follow it means that their requests won’t be done. Spouse has another half day so I can go into the office at my leisure—if the car starts
9-9:20 AM: The car starts, I get into the office and refresh a data flow before a meeting with a new stake holder. It takes longer to drive into work today because the tourists are starting to come and their van builds or campers are not exactly highway speed and with a two lane highway, if you don’t merge over fast enough you’re stuck.
10:05-10:20 AM: Meeting done, car starts again and I drive home for more meetings. The least amount of time in the office is preferable for me.
10:30-11AM : Meeting with my manager where we discuss future salary and promotion. I am due for a promotion in the start of Q2, which would push me to six figures. I’ll believe it when I see it but, I’m really excited at that possibility for my family.
11:15 AM: Spouse leaves for work, we discuss what groceries are needed, as well if he’ll go to Home Depot tonight to buy more clover seeds for the yard, as we need to reseed before it starts raining. I eat a muffin and my dog and cat decide to try and eat each other.
11:15-1:30 PM: Work runs late. There’s some issues with the data and we can’t figure it out. We call it a night, and I’ll record the video presentations tomorrow, once we fix the data.
1:30-4 PM: Nap time! It’s bad for me, but honestly I don’t sleep well during the night so naps are what keep me alive.
4-6 PM I prep dinner (smash burgers and fries), and get chores done and walk the dog.
6-7:30 PM: Spouse comes home, we eat dinner. Groceries come to 96.83 for two 7 pound pork loins, two packs of bacon, chicken nuggets, coffee, pop, 8 pack of peppers, milk, tomato, pickles, rice, avocado, mushrooms, sour cream and lettuce.
Not too bad, we average about 300$/month in groceries because we can buy bulk and have a second freezer.
For the month of March we are currently at 123.61$ for groceries and there is twelve days left. We went on a small weekend away, so we ate out a fair bit but even then our current food budget is 272.27$ today.
Total: 96.83/ debit
7:30-10 PM: Spouse makes a coffee and plays video games with his friends. They do it every week. I have a shower, fold and put away laundry and read in bed.
Day Three Total: 196.83
Day Four
1AM: Our biweekly accelerated mortgage payment comes out of 1450$. I’m tracking it here to be honest on our spending but I tend not to think of it as money spent because in my head it’s already money gone. To pay for a house equivalent in Vancouver, the mortgage would be over 6k. Renting a two bedroom condo would be 3K. It feels like the mortgage is just cheaper rent, even though each time I own more of my house.
5:45-9 AM: Work. I find out the limits of how many people I can invite to a Teams Meeting as well as that the Thursday before Good Friday is a catholic holiday when a few people ask me to reschedule a training forum for over a thousand people. Sometime in there I make us coffee, make sure Spouse has lunch packed (leftovers). Spouse has walked the dog and has the recycling and compost out for pick up. I drop Spouse off at work.
10-11:45 AM: I leave the office for home and more meetings. I walk the dog and go record training videos. I get an email that Amazon is doing their big spring sale. I send a link to a robot mop and vaccum that’s on a big discount to Spouse. We want one, but I’m not in charge of the research on it. I send links to play grounds to my friends with toddlers
11:45-12:30 PM : I shove lunch in my mouth, last night’s left overs. I’m running late, and decide to get myself later by collecting all the random dishes and mugs that just show up places and start the dishwasher. I get to the lab ten minutes early but need to buy gas on the way home.
I tell my team I’ll be MIA for a bit and leave the work phone in the car.
I buy 15.6L of gas for 30$ at 1.879/l it sucks. I don’t fill up because we’re going to my in laws this weekend and there’s a Costco Gas Bar there.
Total: 30$/credit card
12:30-1:30 PM: Work goes long again.
1:30-2:30 PM: Nap!
2:30-4:30 PM: Walk the dog and drive to the gym. I usually go three times a week but with last week’s weekend away and this week’s weird half days from Spouse, today’s the only day. I make it up by doing both upper and lower body and a 30 minute circuit.
4:30-7:30 PM: I pick up Spouse and we go to Costco. We pick up nachos, ham, cheese buns and some other items. We debate buying our friend’s kid a toddler set of clothes and decide no. We end up buying work pants for Spouse, and a garden hose. It comes out to 116.90
I order our Costco dinner of hot dogs and fries for a grand total date night of 6.41$
Total: 123.31/ credit card
8-9 PM: Dance class! We bought a series of six lessons of introduction to ballroom back in December for a new date night idea. We paid 60$/pp and this is the fifth lesson tonight.
9 pm: We’re home, we let the dog out. Spouse spends an undetermined amount of time watching ballroom videos while I sleep.
Day Four Total: 1603.31$ or 153.31 excluding the mortgage payment.
Day Five
5:45-9 AM: Work. All the meetings. Thursday is the meeting day. I debate with a friend what’s the earliest call we’ve had. 4:30 am still wins. I pack lunch for Spouse and his coffee and he leaves. I end up cleaning up cat puke as the cat decides to drink milk from Spouse’s cereal and vomit it up on camera in a meeting.
9-9:30 AM: I make myself a matcha and walk the dog.
9:30-1 PM: Work and I treat myself to a lunch of a cheese bun and ham sandwhich. We used to eat it every Sunday while growing up but the cost of ham has been outrageous. The deal at Costco yesterday was 1.5$/100 g which is really good.
1-1:30 PM: I seal the wooden deer Christmas decoration we bought last year. It sits outside our front door and needs to be weather proofed, and I’ve been putting it off for five months. But the weather is good and we have newspapers. We have left over wood sealer after the sign we bought a year ago so I use that. The dog and the cat both don’t like my wooden deer.
1:30-4 PM: Nap!
4-5 PM: I basically just watch youtube and drink a root beer. I have no energy.
5-6:30 PM: Spouse comes home, we walk the dog and I make dinner (Kraft Dinner and nuggets–I swear we eat veggies but today is not that day). We discuss the possibility of our dog at our wedding as a flower girl, and if she’ll be in a tutu or a cheongsam like me. I am now researching if they make dog cheongsams and if she can match us. The cat, despite all my heart wanting it, won’t physically be there because he will have an anxiety attack and probably die.
6:30-10:30 PM: Board game night! We go to a friend’s to repeat the same scenario we’ve lost two weeks in a row.
10:30-11 PM: I pack Spouse’s breakfast (oatmeal and frozen berries), lunch (spicy tuna and mayo) since he’s trying to go to the gym before work, and feed the animals before we go to bed.
Day Five Total: 0$
Day Six Friday
5:45-9 AM: Work. I have a deep focus block which means I can get the script for the training I have to run. Public speaking is not my strong suit and it’s a group of a thousand people so I’m not looking forward to it. Spouse almost makes it to the gym. I get an email that my new work phone has shipped. I’m surprised because they wouldn’t order us any for the past four years, but I guess my new iPhone will show up next week. I might give my old work phone to my mother in law, since she smashed the camera on the phone we bought her last year.
9-9:30 AM: I walk the dog, make a matcha and make a todo list for what we have to get done before we leave to my in laws tomorrow. I text my mother in law happy birthday, and hope that she got the card in time. She did.
9:30-11:30 AM: My last meeting for the week ends and I’m debating calling it a day so I can nap. Instead I make lunch (cheese bun and ham), text my other mother in law our plan for Saturday, and unload and reload the dishwasher and go back to work for at least another hour.
12:30-1 PM: I shower and do skin care
1-3 PM: Nap! Somewhere in this time FedEx comes and since I’m sleeping, we have to pick up on Monday. I’m not too sure what it is, I assume it’s our custom address stamp from Etsy because that’s the only thing I’ve bought recently but not too sure. I just realized in retrospect, this might be my new work phone.
3-5 PM: I prep dinner (nachos), unload the dishwasher, pack my overnight bag and confirm all our venue tours by email. I start a load of laundry and do a quick clean. I feel like this is not the best image of our diet. I swear we generally eat healthy but we both have been feeling really blah over the past two weeks so have been going for quick and easy over healthy and balanced. I do have three whole peppers and two whole avocados in the nachos though.
5-7 PM: Spouse comes home, we walk the dog, have dinner, and plan out next week. We have a big Wednesday next week (mechanic, I have a nails appointment, dance class), and we are having our friends over for Easter so we need to prep for that. We pack the car so tomorrow is a very easy start.
Spouse also gets paid today. We’re lucky that we’re on alternating pay periods, we used to be on the same and it always felt stressful. Spouse also lets me know his union has secured a 3% cost of living raise to start in Q3. I really like his union for negotiating a base 2% year of cost of living raise, with potential addition raises depending on inflation. It’s a bit away but that’s still good news.
7:30-10:30 PM: We finish The Rookie Season 3 and head to bed. Crave reminds me that I have 10 days until I’m charged again. Sadly, I think we’ll have to pay for 2 months.
Day Six Total: 0
Day Seven Saturday
8:30-9:30 AM: Wake up. No one (except the dog) slept well so we’re not in a morning mood. Spouse makes coffee and walks the dog, while I finish packing the car and give the cat a lot of attention. Our first venue tour is at 11 and the one that is the most expensive (8-10K), but also the one we probably want the most. We live about an hour away but the highway is two lanes and one accident can back everything up for hours.
10:40-1 PM: We visit our dream venue. We stay way longer than expected. Basically if the quote is under 10K, we’ll get it. Just waiting now.
1-2 PM: We get to our in-laws and have a lunch of egg salad sandwhichs. We need to buy gas. My in laws drive us to a pottery painting store.
2-4 PM: We paint pottery. My mother in law only wanted to do this for her birthday. They’ll pick it up in a week after it’s been thrown. I paint a vase (28$), Spouse paints an Easter egg (18$), father in law paints a mug (30$), and mother in law paints a plate (50$)
Total:143.36/credit card
4-5 Pm: We see another venue. It’s an instant no. My in laws decide they want to try Korean fried chicken. We call ahead for take out to get two fries and 16 pieces of half and half. It comes to 50.83$ that my in laws pay for.
5-10 PM: We come back and see that our dog has pooped in their house and also has gotten into their pantry and eaten an entire bag of dog food. It is not a fun night.
We spend the night drinking wine and discussing the wedding and watching TV.
10PM: We go to bed. That’s the end of this week, but tomorrow we will be buying gas and probably lunch for my other mother in law as we will be touring another venue.
Day Seven Total: 143.36$
submitted by sookfong to MoneyDiariesACTIVE [link] [comments]

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submitted by FluidStorage3416 to Referral [link] [comments]

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submitted by FluidStorage3416 to referralswaps [link] [comments]

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