I am very sad to announce Emmy did not make it into the top three, but I'm also extremely excited to announce my first spoken word poem about being EverKid will be out very soon. I wrote it the night she got eliminated. It will be voiced by one of our good friends, Cory, and their system. I've had these feelings for over a year and it is extremely nice to actually turn them into art. The piece is called Dear Phoenix sister. I will leave you the hint I've been leaving everyone, which is a quote.
"I no longer feared the darkness once I knew the Phoenix in me would rise from the ashes."
A quote by William C Hannan

I'm so depressed. I can't move. I feel numb. I feel like what's the point of work? If I make it thru to my retirement plan I get to retire at 65 years old, which already sucks. I don't even want to make it to 60 bc that's when I think all the health problems set in hard. I think in my 60s I'll probably be trying to beat some serious health problem; cancer or something disabling. So I'll have to keep working to keep my stupid health insurance, bc I can't afford it anywhere besides work, so I'll have to keep working while I'm sick and hopefully I can retire by 62 and if I'm not disabled or I'll or broken, then maybe I can finally enjoy life. Travel, take time for myself. It feels so pointless. I don't want to do all that in my 60s I want to do it now. I feel like I would happily trade these years for working mindlessly in my 50s and 60s.
This all just sucks. I can't believe that man JUST retired and now he's gone. He didn't even get to enjoy it. I feel so bleak about everything. Glued to my couch today. :(

Need advice ! Family owned agency decreasing benefits, pay, and over looking seniority.
I 24 have been working for a family owned agency for about 3 years. Started at 17 an hour with a matched 401k. Off weekends as a csr. found interest in getting licensed. The benefits at the time out weighted so I dived in.
We are an independent brokerage working with about 5 standard carriers and access to over 30 non standard carriers. We primarily handle P&C as well as all court ordered bonds. We have some goals I believe around 10k a month in premium. But they rarely do checkins or accountability.
Over time I was I given additional tasks outside of my original duties of answering the phone and servicing clients. Just before passing my insurance exam I was taking care of all of the service work for all of the agents that work in our agency (3) as well as essentially being a personal assistant to our agency principal from scheduling meetings, over seeing his schedule, and even attending networking meetings in his place. as well as handling the surety bonds billing, filing, and notating.
After a year I received a dollar raise to 18. Shortly after I was officially licensed in P&C. I was then beginning to receive lists of quotes from our agency principal and expected to completely quote renewals with explanation on the coverages and why I chose certain endorsements for “ practice and experience” but no compensation for helping. On top of all of the additional day to day work.
Eventually I began building my personal book of business and this was becoming impossible to juggle.
This carried on for months until October of 23 when our principal finally decided to hire in for my position and move me to a full time producer roll. ( there was only me handling all things insurance and bond related for almost 2 years)
Now I am building my book of business while still running quotes for my supervisor with no additional percentage for helping.
They have me networking twice a week.
Tuesdays and Wednesdays I spend 3 hours straight driving around and stopping into spaces to get leads. They tried to convince me that it’s better to claim the mileage on my taxes at the end of the year than to receive a stipend for gas. I am not sure what the standard is so I didn’t say anything
This move changed me to a salary and commissioned producer. This is where my issues really begin. I am salary but making less due to the consideration of commission. I was at about 1200 every two weeks and now I am about 800. Which has been tough because my commission isn’t stable. Also After switching and because I am being paid differently I was kicked from the 401k program.
No 401k and no insurance. They have been “ trying” to get things set up but that was back in October. It’s now may and I haven’t accrued any additional retirement.
They are additionally making changes to our vacation and personal time in our handbook. Bringing my vacation time down to only 5 days a year. also removing pay from personal time and only 3 sick days for a whole calendar year!
To top it all off they have hired in two additional part timers that start soon with raises after 6 months, starting at 22 dollars an hour. The one girl monitors the agency principals application work for him and the other part-time marketing cultivation sending out letters and making calls.
I am looking for additional opinions on how I should self advocate regarding my pay, workload , and time off.
I feel that it is long over due but because I struggle with ADHD and I am on the spectrum self advocating can be a huge challenge for me.
Outside of getting a percentage of commission for call ins. There doesn’t a seem to be many benefits staying with the agency.

How would you advise your child if they were in my situation (30 f)? Parent doesn’t know how to help as they have had a stoke a couple of years ago affecting their instant stress levels and other things. So I am alone in my starting steps here with my parent 100% supporting my decisions as they just want out.
My parents have owned a business for 30+ years in trucking and construction supply in Arizona. It’s now on the start of the surviving parent (65 f) to retire and I am wanting to take over the business and utilize the opportunities given to me in life that not everyone has.
However this after COVID market, it has really pushed stress onto the company and for me to be able to feel comfortable in taking over due to lack of funds and the business just surviving. It would be great if I could get an investor, or VC to be behind my decision. As this style of company has made 700k - 1 million in profits before and with a little bit of work these next 2 years I believe I will be able to turn it around.
So my question is: How does one start looking at getting a venture capitalist company or angel investor to look my way?
Notes: COVID hurt the construction industry as a whole not just this business, if anything we were able to keep our doors open during and after. I would like to take on running the company as since Jan 2024 we are back and busier than ever.
The money would be going to fix the lack of technology integration, new business flair to appeal to the new customer base and would love to have a new truck or maintenance to perfection the other trucks under the business.

Need advice ! Family owned agency decreasing benefits, pay, and over looking seniority.
I 24 have been working for a family owned agency for about 3 years. Started at 17 an hour with a matched 401k. Off weekends as a csr. found interest in getting licensed. The benefits at the time out weighted so I dived in.
We are an independent brokerage working with about 5 standard carriers and access to over 30 non standard carriers. We primarily handle P&C as well as all court ordered bonds. We have some goals I believe around 10k a month in premium. But they rarely do checkins or accountability.
Over time I was I given additional tasks outside of my original duties of answering the phone and servicing clients. Just before passing my insurance exam I was taking care of all of the service work for all of the agents that work in our agency (3) as well as essentially being a personal assistant to our agency principal from scheduling meetings, over seeing his schedule, and even attending networking meetings in his place. as well as handling the surety bonds billing, filing, and notating.
After a year I received a dollar raise to 18. Shortly after I was officially licensed in P&C. I was then beginning to receive lists of quotes from our agency principal and expected to completely quote renewals with explanation on the coverages and why I chose certain endorsements for “ practice and experience” but no compensation for helping. On top of all of the additional day to day work.
Eventually I began building my personal book of business and this was becoming impossible to juggle.
This carried on for months until October of 23 when our principal finally decided to hire in for my position and move me to a full time producer roll. ( there was only me handling all things insurance and bond related for almost 2 years)
Now I am building my book of business while still running quotes for my supervisor with no additional percentage for helping.
They have me networking twice a week.
Tuesdays and Wednesdays I spend 3 hours straight driving around and stopping into spaces to get leads. They tried to convince me that it’s better to claim the mileage on my taxes at the end of the year than to receive a stipend for gas. I am not sure what the standard is so I didn’t say anything
This move changed me to a salary and commissioned producer. This is where my issues really begin. I am salary but making less due to the consideration of commission. I was at about 1200 every two weeks and now I am about 800. Which has been tough because my commission isn’t stable. Also After switching and because I am being paid differently I was kicked from the 401k program.
No 401k and no insurance. They have been “ trying” to get things set up but that was back in October. It’s now may and I haven’t accrued any additional retirement.
They are additionally making changes to our vacation and personal time in our handbook. Bringing my vacation time down to only 5 days a year. also removing pay from personal time and only 3 sick days for a whole calendar year!
To top it all off they have hired in two additional part timers that start soon with raises after 6 months, starting at 22 dollars an hour. The one girl monitors the agency principals application work for him and the other part-time marketing cultivation sending out letters and making calls.
I am looking for additional opinions on how I should self advocate regarding my pay, workload , and time off. I feel that it is long over due but because I struggle with ADHD and I am on the spectrum self advocating can be a huge challenge for me.
Outside of getting a percentage of commission for call ins. There doesn’t a seem to be many benefits staying with the agency.

Need advice ! Family owned agency decreasing benefits, pay, and over looking seniority.
I 24 have been working for a family owned agency for about 3 years. Started at 17 an hour with a matched 401k. Off weekends as a csr. found interest in getting licensed. The benefits at the time out weighted so I dived in.
We are an independent brokerage working with about 5 standard carriers and access to over 30 non standard carriers. We primarily handle P&C as well as all court ordered bonds. We have some goals I believe around 10k a month in premium. But they rarely do checkins or accountability.
Over time I was I given additional tasks outside of my original duties of answering the phone and servicing clients. Just before passing my insurance exam I was taking care of all of the service work for all of the agents that work in our agency (3) as well as essentially being a personal assistant to our agency principal from scheduling meetings, over seeing his schedule, and even attending networking meetings in his place. as well as handling the surety bonds billing, filing, and notating.
After a year I received a dollar raise to 18. Shortly after I was officially licensed in P&C. I was then beginning to receive lists of quotes from our agency principal and expected to completely quote renewals with explanation on the coverages and why I chose certain endorsements for “ practice and experience” but no compensation for helping. On top of all of the additional day to day work.
Eventually I began building my personal book of business and this was becoming impossible to juggle.
This carried on for months until October of 23 when our principal finally decided to hire in for my position and move me to a full time producer roll. ( there was only me handling all things insurance and bond related for almost 2 years)
Now I am building my book of business while still running quotes for my supervisor with no additional percentage for helping.
They have me networking twice a week.
Tuesdays and Wednesdays I spend 3 hours straight driving around and stopping into spaces to get leads. They tried to convince me that it’s better to claim the mileage on my taxes at the end of the year than to receive a stipend for gas. I am not sure what the standard is so I didn’t say anything
This move changed me to a salary and commissioned producer. This is where my issues really begin. I am salary but making less due to the consideration of commission. I was at about 1200 every two weeks and now I am about 800. Which has been tough because my commission isn’t stable. Also After switching and because I am being paid differently I was kicked from the 401k program.
No 401k and no insurance. They have been “ trying” to get things set up but that was back in October. It’s now may and I haven’t accrued any additional retirement.
They are additionally making changes to our vacation and personal time in our handbook. Bringing my vacation time down to only 5 days a year. also removing pay from personal time and only 3 sick days for a whole calendar year!
To top it all off they have hired in two additional part timers that start soon with raises after 6 months, starting at 22 dollars an hour. The one girl monitors the agency principals application work for him and the other part-time marketing cultivation sending out letters and making calls.
I am looking for additional opinions on how I should self advocate regarding my pay, workload , and time off.
I feel that it is long over due but because I struggle with ADHD and I am on the spectrum self advocating can be a huge challenge for me.
Outside of getting a percentage of commission for call ins. There doesn’t a seem to be many benefits staying with the agency.

Got a flat and need new tires anyways so I'm getting a quote on Faulkin AT4Ws. The stock tire size is p265/65/r17. Tire shop says I can go up one size but wants to know if I want taller or wider. I was thinking taller will be better, less rubbing. They also said they can measure to make sure it will fit without rubbing. 2018 TRD Sport 4x4 DC. I go to Tahoe a few times a year is really the only use of 4x4 I've needed.
So let's hear it, what do you recommend?.

I bought a house 5 years ago for X. I can see houses in my estate are selling for over 1.2x and they are in similar condition (slightly bigger but less modern etc). When I bought my house it went for about 10% over asking.
I'm being forced to move jobs to another city (House is in Dublin) and I'm looking at the rental market but it seems like a bit of a headache to me so decide to look into selling.
The current LTV on the mortgage is 65% and I'm coming off my fixed rate mortage soon anyway so instead of remortgaging and renting I'm wondering about selling.
The house was never going to be a long term family home so I have no attachments really. I always just seen it as a investment.
I've seen quotes online about agencies charging roughly 2% selling fees and the other costs of selling associated with selling.
Daft.ie's online valuation has valued the house at 0.75X which seems really odd to me. But I know when insuring a house the actual value is no where near sales price.

I 24 have been working for a family owned agency for about 3 years. Started at 17 an hour with a matched 401k. Off weekends as a csr. found interest in getting licensed. The benefits at the time out weighted so I dived in.
Over time I was I given additional tasks outside of my original duties of answering the phone and servicing clients. Just before passing my insurance exam I was taking care of all of the service work for all of the agents that work in our agency (3) as well as essentially being a personal assistant to our agency principal from scheduling meetings, over seeing his schedule, and even attending networking meetings in his place. as well as handling the surety bonds billing, filing, and notating.
After a year I received a dollar raise to 18. Shortly after I was officially licensed in P&C. I was then beginning to receive lists of quotes from our agency principal and expected to completely quote renewals with explanation on the coverages and why I chose certain endorsements for “ practice and experience” but no compensation for helping. On top of all of the additional day to day work.
Eventually I began building my personal book of business and this was becoming impossible to juggle.
This carried on for months until October of 23 when our principal finally decided to hire in for my position and move me to a full time producer roll. ( there was only me handling all things insurance and bond related for almost 2 years)
Now I am building my book of business while still running quotes for my supervisor with no additional percentage for helping.
They have me networking twice a week.
Tuesdays and Wednesdays I spend 3 hours straight driving around and stopping into spaces to get leads. They tried to convince me that it’s better to claim the mileage on my taxes at the end of the year than to receive a stipend for gas. I am not sure what the standard is so I didn’t say anything
This move changed me to a salary and commissioned producer. This is where my issues really begin. I am salary but making less due to the consideration of commission. I was at about 1200 every two weeks and now I am about 800. Which has been tough because my commission isn’t stable. Also After switching and because I am being paid differently I was kicked from the 401k program.
No 401k and no insurance. They have been “ trying” to get things set up but that was back in October. It’s now may and I haven’t accrued any additional retirement.
They are additionally making changes to our vacation and personal time in our handbook. Bringing my vacation time down to only 5 days a year. also removing pay from personal time and only 3 sick days for a whole calendar year!
To top it all off they have hired in two additional part timers that start soon with raises after 6 months, starting at 22 dollars an hour. The one girl monitors the agency principals application work for him and the other part-time marketing cultivation sending out letters and making calls.
I am looking for additional opinions on how I should self advocate regarding my pay, workload , and time off. I feel that it is long over due but because I struggle with ADHD and I am on the spectrum self advocating can be a huge challenge for me.
Outside of getting a percentage of commission for call ins. There doesn’t a seem to be many benefits staying with the agency.

Hello fellow potatoes! And to the potato queen herself, girl, you're amazing!!! I just found your channel a few months ago, but I'm a huge fan. I don't have a lot of time for videos, but when I do get to watch, I watch yours.
Have I got a boomemil story for you! Let's go on an adventure...warning...I tell stories with rabbit holes and tangents. This is probably gonna be too long. I'm sorry!!!
So, the characters are me (40f), boomer MIL (64f BM for short, like bowel movement bc she's caca), my oldest son, (17m), and my church "mom" (65f CM for short).
A little background: BM thinks she's an awesome mom and grandma even though she's not. She uses my kids as facebook props to show off how "wonderful" she is. The only reason she was around my kids so often was because we went to the same church. She lived 10 minutes down the road from us, but could never be bothered to come over or have anything to do with any of us is if we didn't initiate. She has always said that if we ever try to threaten to keep our kids away from her, like if we were having a disagreement, that she would not fight to see them. We've never threatened to keep our kids from her, she just wanted us to know that she didn't give a sh!t to see her gandkids. So, that tells you right there, that she's a grandma when it's convenient for her.
She's of the boomer mentality that mental health issues are made up and aren't real. "You have nothing to be depressed about." "Just snap out if it." "Just be happy." You get the point. I struggle with depression, I always have. She doesn't understand or even try to understand and is the least empathetic person I've ever met.
When I get overwhelmed, I get depressed, and I start shutting down. My plate is overflowing right now. Between the end of the school year and the possibility of us moving states, I've been overwhelmed. My oldest is a senior and the last month of senior year is crazy busy. I have another child (11m) in public school and this is his last year of elementary school, so this has been an extremely busy month for him. I have 3 more kids that do online public school/homeschool. So, they're home all day with online classes, but since they're a public school, they have mandatory state testing just like regular public school. I have had to take them to do state testing on 4 different days overyhe last few weeks and the meeting place was 45 minutes from home, at a conference room in a mall. I also babysit 3 kids (1m, 4m, 4f), so hanging out for 4 to 5 hours a day on 4 different days with a shitload of kids at the f#cking mall was not easy. Not to mention the positions and "jobs" that I hold at church. To say I'm busy is an understatement.
We've been planning on moving for the last few months because a position at my husband's work is coming open near where he grew up, which is in another state. His parents recently moved back to their hometown after my FIL retired, so one reason for the move would be to be closer to them. They are getting older, so I would be taking care of them once they needed it, so moving closer seemed like a great option. Also, it's a lower COL area than we live in now. Currently we live in the metro area of a capital city and we would be moving to a middle of nowhere po'dunk town.
Told you, rabbit holes, thanks for still being with me!!!
And this is just the straw that broke the camel's back, this is not the only reason for my decision.
So, to the actual story...
Last week, I got a mother's day card in the mail from BM. She's a dollar tree card fanatic. It was a very typical card that she sends me. Nothing handwritten except for "love, grandma and grandpa." This is what she writes in all my cards. (Another tangent...last year my mom passed a month before mother's day and that actual mother's day was her and my dad's anniversary. And I had a super complicated relationship with my momster. So, it was an exceptionally hard day for me. The card she got me said "Daughter" in huge letters on the front. I thought it was so incredibly passive aggressive and completely inappropriate for that year. If it would've been any other year, it would've been fine. Also, she never gets me cards that just say "daughter" so, to me, it was a low blow.) (Yet another tangent...she does passive aggressive crap all the time, for instance when she used to do fb birthday posts, she would always ask me to send her a pic to post. I'm picky about what pics are used and she knows that. Last year, I sent her a great pic of me and her son to use. So, she used one from about 12 years ago that looked like absolute poop. It was a surprise pic, so like not even posed, stupid look on my face. No matter what pic I send, and usually send like 3, she uses a completely different one that doesn't even look good.) I got the card last Tuesday. Hubby happened to be talking to her while driving home from work that day, so when he got home, I thanked her for the card and just wanted to give her a heads up that I hadn't gotten a chance to mail hers yet because of everything I had going on. I kinda broke down and was sharing how I felt and she basically just said, "suck it up, it'll be fine." She's always been dismissive of my feelings, always.
So, my CM is the sweetest lady you'll ever meet. She listens to me, lets me share my feelings without being dismissive, and actually shows she cares. I see her twice weekly at church, and text with her during the week. Since BM has moved 8 moths ago, she has called or texted "just to talk or check in on us" less than a handful of times. She only calls/texts when she needs something or on a special occasion. She called my husband to ask about something, not just to talk. I understand now why the oldest grandson, my nephew, didn't even bother to invite her to his and his girlfriend's baby shower where he proposed. She thinks she's an amazing grandma bc she sends birthday money in a card and posts their pics on Facebook. And, she even stopped posting the kids birthday messages on fb bc she said it was "too much trouble." So, she just sticks to her 30 daily inspirational Bible quotes posts. She's the type that was so pissed off that both of her kids went with courthouse marriages instead of going into debt for a wedding because she didn't get to walk down the aisle at her kids' weddings and post pics on fb. She's mentioned this several times, but definitely wasn't even willing to spend a dime towards a wedding that no one wanted except her. She was also unwilling to take a day off work to go to the courthouse with us. With both of her kids' marriages, the kids and partners were together for a while and had kids before getting married, so spending tons of money on a huge wedding for either of us couples wouldn't have been the best way to spend money.
On mother's day, I gave my CM a card with a few lines written in it about how amazing she is and how I'm so grateful for her. I'm way closer to her than BM. CM is my chosen family and to me, your chosen family is the one that means more because you chose them, you didn't just get stuck with them. My blood family is incredibly toxic, so I stick with my chosen family. CM made a fb post with all that she got for mother's day. It was gifts and cards from her own children, and of course my card as well. CM & BM are fb friends, so of course BM saw it. Also, BM has everyone convinced she's this sweet, little old church lady, but she is far from it.
So, this Tuesday she got her cards in the mail. I always give her one from hubby and myself, and a separate one from our boys. I wrote a nice little note in it. Not long, a line or 2, but it was more effort than she put into my card. She sent me and hubby the following in a group text...
Copy and pasted, only edited out names.
"Got my cards in the mail today. 😭. They were post marked Saturday. You could of kept them til I got there or next year. It's like yall bought them Saturday, wrote a few words and rushed to get them to post office. My heart 💔broken. I thought I deserved better. I wish I could send pictures of my card verses [CM] 😩 card. I couldnt tell which gift was yours. But least I have a year to try do better and be worthy of such wonderful words of love and praise that was written to her.
I don't mean to complain or seem ungrateful but I wished you hadn't mailed them.😭😭. I can't explain how crushed I am.😔 Anyway hopefully I will see yall on the 20th."
Note: my oldest son is graduating on the 20th. She was supposed to drive down and spend the night with us to attend the graduation. I honestly believe she picked this fight because she doesn't want to drive the 6 hours down here.
If you "don't mean to complain or seem ungrateful" then why tf did you send it? I asked my husband what was his initial reaction and he said, "Really?!? All she had to do was say thanks."
So, after I talked to my husband and oldest son (I wanted to make sure everyone was on board with what I was saying before I sent it) , I sent her this response:
"I mailed them on Friday, I bought them several weeks ago. I told you I hadn't mailed them yet because I've been in a deep depression and you dismissed my feelings like always. I have real, valid feelings and you always dismissed them as silly. And come after me because now you're feelings are hurt. Wow, ok. The absolute audacity. And it's not just with your cards that I'm slacking. It's with everything. Because I have depression. I'm overwhelmed on top of that and literally the only thing you care about is a card. I tried to express my feelings the other day on the phone and you dismissed them like you always do. I know things will be fine, but in this moment they are not and you don't get that. Because you don't understand how or why I feel the way I do, then my feelings are silly or invalid to you.
And I never gave [CM] a present. Don't know why you thought that.
Don't worry about coming down on the 20th."
She replies by trying to blackmail me;
"Well my am so sorry I said anything. I never realized you thought that about me. I never dismissed your depression but yes i never knew what to do for you. I am not going to go back and forth about this. I will text [son] and let him know you told me not to come."
She's not sorry to me for being dismissive, she's sorry because now she doesn't get her "Proud MeMe moment" and can't post pictures of her at his graduation on fb. And even if she didn't "know what to do" for me, all she had to do was ask. Or listen. Or give a damn hug. But, no, she just dismissed me bc to her depression isn't real. And she's not going back and forth bc she knows shes wrong! Little did she know that I had already cleared it with hubby and son before sending the text, so I think she thought it would make me look bad to my oldest son that I told her no to come. Oldest son said, "I'm neutral, I don't care if she comes or not. It's not like she's had anything to do with us since she moved, and barely had anything to do with us when she was here."
So, my last text to her said, "He knows. I asked him before I texted you, and he's good with it."
All she had to do was say thanks or not even say anything at all. But, no, she had to say something stupid. Even her own son said that she's lucky she even got a card bc if it was up to him, her actual son, she wouldn't have gotten anything. So, not only is she not invited to the graduation, she's never welcome in my home again. The great part is I don't have to share my holidays with her ever again!!! And please know that I'd never keep her grandchildren from her, but if she wants a relationship with them, she'll have to put some effort in. And we all know boomers hate effort.
If you made it this far, thanks for reading my rant. I appreciate you my friends!

I took my SS benefits 2 years early I’m 65 this month and don’t want to pay plan B premiums because I have coverage through my wife who is employed and insured as a state govt employee
I believe I’m signed up for part B by default. How do I delay paying for it until she’s retired and not end up penalized?

Hello!
Please don't knock me down. I am not great with numbers. I am a health care person so I can talk all day about health but finances stresses me out.
My husband and I will be making around 500K total and I read a reddit post where it is actually best to put pretax 401k and not do the Roth 401k. Basically use the money that we would have saved from the 401k and put that in the brokerage instead and let it grow. I am not sure how to do the math to figure out if that is a better alternative? For retirement I plan to travel and enjoy my life.
I plan to invest myself 75,000 a year (including 401k, HSA 10,000 (company gives HSA money), matching (company matches 5%) and my own money to make the difference)
If I choose solely Roth 401k and I contribute 23k for the year does that mean I am paying $42,714 of taxes to get to the 23k contribution? I did that calculation because I did 23,000/0.35 (tax bracket) = 65,714. So then I did 65,714-23,000= 42,714 to figure out the taxes.

Hi AusFinance, Hoping someone can help me as I'm in way over my head.
My mum was diagnosed with dementia a couple of years ago in her mid 60s. She worked as a teacher for ~25 years, and never took any leave/sick days. Due to this, she had so much LSL, personal and annual leave banked, that her former employer has essentially been paying her a salary since she retired. These payments will cease sometime in July.
She has 400k in super, $15k in debt, $0 in savings and a unit that she owns that is in serious need of repairs.
She would like to withdraw a lump sum from her super to fix some things with the house and to pay for an upcoming medical expense. I expect this to be in the realm of 60k but I'm still in the process of organising various quotes for her. Plus an additional 15k to pay off her debt.
Her super fund has emailed her offering an appointment to review her plan for her retirement at a cost of $300/hour. That seems high to me? Is this normal?
Once her payments stop from her employer I will take her into Centrelink to apply for the pension. However, I'm not fully understanding the Centrelink rules on income from super. Is it her total super balance that Centrelink uses to calculate her part pension? Or if she was to get say $700/fortnight as an income stream from her super, is that counted as income?
She usually does her own tax return, but I imagine I should organise an accountant to help her with that this year.
Is there anything else I should be considering?
I'm currently her primary carer, whilst also balancing my own FT job. I've organised an ACAT assessment but in the mean time I'm helping her with admin, chores and errands. Please forgive my financial illiteracy. It has only just occurred to me that I need to start thinking about her finances too.
Any advice would be greatly appreciated.
Thanks all!
ETA: I have enduring POA

First lets take a quick look at some of the trades the Blue Jays have done mid-season in 2024:

• IF Tanner Morris (26) to MIN for $$$
  • Some sad news off the get go...after hitting just .149/.281/.213 with a .494 OPS in AAA, Morris has retired from baseball mid-season. Placed on the voluntary retirement list until his current contract expires at the end of the season.
• LHP Jimmy Robbins (26) to TEX for $$$
  • Has taken the role of emergency depth for the Rangers AAA team and has pitched just 7.1 innings and is rocking a 8.59 ERA, .321 OBA & 2.18 WHIP.
• RHP Wes Parsons (31) to CLE for $$$
  • Filling in his usual role as he uses up his last year of options. Has pitched 4.0 innings in MLB allowing 0 ER and 14.2 innings in AAA having a solid 1.84 ERA. Solid depth pitcher for them but not a mainstay.
• RHP Mitch White (29) to SFG for $$$
  • After allowing 6 ER in 10.0 IP with TOR he was DFA/Traded to SFG where he allowed 7 ER in 5.1 IP before again being DFA/Traded to MIL where has has allowed 2 ER in 3.2 IP. Seems like teams think they can fix him considering they are trading for him. MIL has also been hampered with injuries and internal demotions to their bullpen so his stay might not be long when arms return.

Now lets take a look at some of the players that left the organization in the off-season through trade/waivers that were at one point on the 40-Man roster:

• IF Santiago Espinal (29) to CIN for RHP Chris McElvain (23)
  • Not a great season for Espinal as he has declined even further from his past seasons in all aspects of the game. He is hitting just .200/.252/.284 with an .536 OPS. His defensive metrics suggests he is now a negative player on defence as well. Due to injury he has been given a solid amount of playing time too. McElvain has been solid in A+ but still looks likely to be a future reliever.
• UTL Otto Lopez (25) to SFG for $$$
  • DFA due to the middle-infleid depth the Jays had was then DFA by the SFG even when they were awarded another option year with him. MIA got him for free on waivers as the only claiming team and he has been very solid for them. He earned a quick call-up after having a 1.526 OPS in a week and is carving himself a role in the Majors with some solid hitting and strong defence. He is batting .282/.333/.564 with an .897 OPS in 39 PA. His early power display is very unsustainable though. He is already half way to his career minor league high.
• RHP Yosver Zulueta (26) to CIN via DFA Waivers
  • There was a lot of anger amongst the fanbase with his loss on waivers and while his stuff is still good the production is still no where near where it should be. In 14.1 IP in AAA he has a 5.65 ERA, .267 OBA & 2.02 while striking out 18 and walking 13. Still not sure how he remained on prospect lists as long as he has. He just hasn't been good for awhile now. He does give the vibes off the guy that will randomly break out at age 30/31.
• C Tyler Heineman (32) to NYM to BOS via DFA Waivers
  • Remains the trusty #3 catcher we knew him as. He is just 0-for-1 with 1 HBP at the Major League level but is staying warm in the Red Sox minor league system until he is needed once again. Batting .257./395/.286 with a .681 OPS in AAA. Severn is an upgrade in all departments though except the lack of magic tricks.

Finally, lets take a look into the players that left the organization in free-agency:

• 3B Matt Chapman (31) to SFG (3 Y x $18 M w/ Two Player Opt-Outs)
  • Easily the most talked about departure this season and it feels like beating a dead horse at this point but Chapman has been super terrible. Hitting just .206/.258/.341/.599 with a 73 wRC+ (1.0 bWAR / 0.1 fWAR). His strikeout rate remains as high as ever but his BB% has been nearly cut in half. He has already made 6 errors and his defence has dipped further for the 4th straight season. Chapman has just 2 extra-base hits over his last 82 PA despite having some of the best swing-rates and exit velocities in baseball. Looks like Chapman will be a SFG for the full 3 seasons.
• RHP Jordan Hicks (27) to SF (4 Y x $11.0 M)
  • Arguably the only "big" contract the Giants have signed that have given them their value for their money. Converting back to a starter has worked wonders for him as he has posted a 2.44 ERA / 3.21 FIP, .220 OBA & 1.15 WHIP. He has taken a good 3 mph off his fastball which has led to a decrease in strikeouts, whiffs and more harder contact against but it has led to an increase and sustained improvement in control. 5.0 IP does seem to be his limit most nights and there are some long-term questions about stamina and durability but so far he has been worth ever penny. If things do now wrong e can always be converted back to an RP and his contract still won't look bad.
• 2B/OF Whit Merrifield (35) to PHI (1 Y x $7 M w/ Club Option for $8.0 M)
  • Age seems to have properly caught up to Whit who is just hitting .188/.261/.300 with a .561 OPS in 80 AB with is just a 62 wRC+ (0.1 bWAR / -0.1 fWAR). His savant page portrays him as one of the worst hitters in baseball and his defence is now of negative value. Phillies had him hitting lead-off for 3 straight games recently where he went 1-for-15 before being demoted again.
• RHP Adam Cimber (33) to LAA (1 Y x $1.65 M)
  • After struggling with injuries and inconsistency at the end of his Jays tenor he has rebounded back with LAA to being a solid mid-usage arm. Posting a respectable 4.00 ERA, .214 OBA & 1.00 WHIP. His numbers are misleading though as outside of 2 meltdowns he has been shutdown. He is one of the heaviest used bullpen arms in baseball and has only allowed an ER in 3-of-19 appearances. Should fetch the Angels a decent prospect at the trade deadline.
• RHP Jay Jackson (36) to MIN (1 Y x $1.3 M w/ Club Option for $3.0 M)
  • Jackson has not had a great season with MIN as he is rocking a 6.20 ERA, .244 OBA & 1.28 WHIP.He has allowed at least 1 ER in more than half his appearances. It seems like MIN will likely not pick-up their club option on his contract at this rate. It is unfortunate to see after how important he was for us last season. Glad he got his money though.
• SP Hyun Jin Ryu (37) to Hanwha Eagles (KBO) (8 Y x $1.6 M)
  • Ryu signed the largest contract in KBO League history this offseason which keeps him in the organization until his mid-40's. In 49.0 IP he has 5.33 ERA, 1.45 WHIP & 47 SO vs. 14 BB. Haven't watched him nor seen his game-to-game production but the face value numbers don't look great. To be fair he was likely never playing most of the contract anyways.

Just to reassure everyone of someone productive not slipping through the cracks here are all the minor-league departures:
Free Agency:

• C Rob Brantly (34) to TBR (AAA) is hitting .310/.375/.466 with a .841 OPS
• LHP Paul Fry (31) to SDP (AAA) is pitching a 6.43 ERA, .317 OBA & 1.76 WHIP
• SS Mason McCoy (29) to SDP (AAA) is hitting .259/.342/.363 with a .705 OPS
• C Lyle Lin (26) to ARI (AA) has just 3 GP due to being on the Developmental List

Releases:

• RHP Jiorgeny Casimiri (22) to BAL (A) is pitching 12.91 ERA, .436 OBA & 3.26 WHIP

Rule 5 Draft (Minor League Portion):

• 3B Angel Del Rosario (21) to MIN (A) is hitting .271/.364/.292 with a .656 OPS
• SS Trevor Schwecke (26) to PHI (AA) is hitting .182/.282/.227 with a .509 OPS

Just for completion here is a list of players who left from the organization that are not active in professional baseball right now (as far as I know):
Free Agents Un-signed (13):

• 1B/DH Brandon Belt, RHP Anthony Bass, SP Gabe Klobosits, C Jamie Ritchie, SS Abiezel Ramirez, RP Rowan Wick, RP Matt Peacock, SP Zach Thompson, RP Roither Hernandez, RP Jol Concepcion, RP Joe Jones, RP Deigo Linares & C Stevie Berman

Minor League Releases:

• Off-Season (20): RHP Darwin Cruz, RHP Michael Brewer, C Victor Mesia, RHP Christopher Rodriguez, 3B Endri Garcia, RHP Julio Ramirez, RHP Ben Baggett, RHP Winder Garcia, RHP Tony Rosario, RHP Cesar Ayala, OF MacKenzie Mueller, SS Luis Garcia, RHP Francisco Lucumi, CF Jaun Pizarro, RHP Jackson Rees, SS Martin Gimenez, RHP Davis Feldman, LHP Cooper Benson, RHP Sam Ryan & SS Rikelbin De Castro
• Spring Training (3): IF Eduardo Escobar, RHP Alan Zhang Carter & RHP Nolan Long
• Mid-Season (4): RHP Leam Mendez, RHP Gabriel Ponce, RHP Jerry Huntzinger & RHP Fitz Stadler

GPT 4o Report and predictions for $FFIE
NOT FINANCIAL ADVICE
Asked it to do a bunch of resarch. Gave it the 4 year, 1 year, 6 month, 3 month, 5 day, today charts exported from https://ca.finance.yahoo.com/quote/FFIE/

FFIE Price Prediction for the Next 7 Trading Days

Based on the provided charts, data on short interest, social media sentiment, and recent developments, here is the detailed price prediction for Faraday Future Intelligent Electric Inc. (FFIE) over the next 7 trading days (from May 16, 2024, to May 24, 2024):

Key Factors:

• Current Price: $0.705
• Short Interest: 95.33% of float
• Social Media Activity: High, with potential for short squeeze similar to GameStop
• Recent Volume: Extremely high, indicating significant trading interest and volatility

Daily Predictions:

May 16, 2024:

• Predicted Price Range: $0.80 - $1.20
• Confidence Level: 80%
• Rationale: High short interest and massive trading volumes suggest potential for initial sharp price increase as short sellers begin to cover.

May 17, 2024:

• Predicted Price Range: $1.10 - $1.50
• Confidence Level: 75%
• Rationale: Continued momentum from short covering and speculative buying driven by social media campaigns.

May 20, 2024:

• Predicted Price Range: $1.30 - $1.70
• Confidence Level: 70%
• Rationale: Weekend discussions on social media may lead to renewed interest and buying pressure on Monday.

May 21, 2024:

• Predicted Price Range: $1.50 - $2.00
• Confidence Level: 70%
• Rationale: As more short positions get covered and speculative buying continues, the price could experience further significant increases.

May 22, 2024:

• Predicted Price Range: $1.80 - $2.20
• Confidence Level: 65%
• Rationale: Potential peak of the short squeeze, with highest trading volumes and extreme volatility.

May 23, 2024:

• Predicted Price Range: $2.00 - $2.50
• Confidence Level: 60%
• Rationale: Price may continue to rise as latecomers join the rally, but risk of profit-taking increases.

May 24, 2024:

• Predicted Price Range: $1.50 - $2.00
• Confidence Level: 55%
• Rationale: Possible beginning of a pullback as early investors start to take profits and volatility remains high.

Summary

FFIE is expected to experience significant price movements over the next 7 trading days, driven by high short interest, social media-driven trading activity, and speculative buying. The potential for a short squeeze similar to the GameStop scenario is high, but so is the risk of extreme volatility and sudden pullbacks.

Monday is the first day of the work week that many people dread. Not all people dread it, but some. Let's take a look into the Numerology of Monday to decode the energy and what it can be used for to work with it and not against it.
M - this is the 13th letter of the alphabet vibrating at the energy of 4. The energy of 1 is action and the energy of 3 is connecting with others through collaboration. This puts a focus on responsibilities and for most people, it's a work or school day which connects with this. Although it is about being responsible, it's still the energy of 4 which is mellow and controlled energy. O - this is the 15th letter of the alphabet vibrating at the energy of 6 which is about using your creativity constructively to take care of the tasks or duties you need to take care of. 6 is the number of beauty, duty, and routine. N - 14th letter of the alphabet vibrating at the energy of 5. This is about using your energy to be responsible and making space for enjoyment while doing so. 14 is a karmic number, but not when used correctly. As a karmic number, 14 is about someone who ditched their responsibilities and now have to deal with some challeneges(5). Proper use of this energy is using it for creative purposes. D - 4th letter vibrating at the purest energy of 4 which is about calmness, caution, and security. A - vibrating at 1 as the first letter of the alphabet, this is about action and energy. Y - The 25th letter of the alphabet vibrating at the energy of 7, but through cooperation with others(2) and compassion for others(2) and with the use of creativity (5) or even humor(5). Big lover energy as 5 can point to romance and 2 can point to soulmates.
Monday full numerology comes down to 8 and 8 can represent long and drawn out processes, wait times, and pressure. The dreadful energy can be moreso due to this 8 energy. People can work with this energy by being patient as 8 points to tedious tasks. With this insight, you can now simply start expected a little time in between things and pacing yourself. It can seem like a long day or your duties may be plentiful.
This is a day best utilized in a constructive (8) way with the use of wisdom and calculation(7). The 7 is the soul urge influence of Monday based on the vowels. 2 vowels A and O which equals 7. Being calculating and seeking depth will allow you to master the energy of Monday. Use this day to get the most done with your projects or workloads.
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I (30) have a business partner (64) who is considering retirement soon. He wants to reduce his working days by one day a week over the next five years starting at 65.
What is a normal course of action here? I had some very brief legal advice that basically consisted of "You can buy all the shares upfront, or over a length of time, and they can either transfer the shares to you as you go or at the end of the full payment being received. But ultimately everything is down to your negotiation".
But I'm not even sure where to begin. Obviously his salary would be reduced as he cuts his working hours down but how do we value the business? Over what period is normal for a payoff? Do you revalue as you go on in case sales drop?
This is a very very early foray into this topic. At the moment it's full of unknown unknowns because I'm not even sure what I should be researching so any very general pointers would be much appreciated.
As a very rough idea turnover is about £700k with roughly £90k salary each as mostly dividends.

Admitting we have a problem is the first step in solving it! Author is a Eugenean talking about her experience with rising crime in the city, never saw this story but hey, still relevant today. Found this little gem by random chance. Title is a hopefully relatable quote from the article. You can agree or disagree with the author, but it's actually pretty well written with sources included. (just including the whole article, for people who don't want to click links!)

I Caught Two Men Stealing From My Home. The Aftermath Was Absurd—and All Too Typical.

This experience crystallized Oregon’s deeper problems.

BY REBECCA SCHUMANJUNE 21, 20225:40 AM
Typically, guys wearing power-company vests don’t leave the houses they’re working on laden down with backpacks—let alone power tools, a scooter, and a Nintendo Switch. But that was the scene I happened upon at 6:30 p.m. on a Tuesday in mid-April when I puttered into my driveway in Eugene, Oregon, my 7-year-old ensconced in the back seat.
For a second, my brain tried to normalize the incident: This is just my daughter’s dad stopping by—except there are two of him, and they’re dressed as electricians for some reason? Then, a second later, everything whooshed into place: Oh, wait, I’m being robbed. Or, rather, I was being burgled. I would get reminded of this distinction later, when I made the dubious choice to join the chorus of aggrieved buttinskies on Nextdoor, where my well-meaning post to warn the neighborhood would turn me into an accidental vigilante hero for a day.
Unfortunately, it’s true: My reaction to this burgle was the lived-out fantasy of many who have been on the business end of a property crime. As the two goons took off on foot down my street, I went into fight-or-flight mode—and I chose fight.
“Well,” I said to my confused child, “let’s go see if we can get our stuff back.”
I peeled my 2005 Subaru back onto the street and easily overtook my two targets, who then hurtled themselves into an alley, whereupon I cornered one by the driver’s side window as the other made haste across the adjacent parking lot.
“Just give it back, bro!” I yelled out my window. “Just give it back! I’m a single mom! Just give it back.”
I repeated this until either I reminded him too much of his meanest teacher or he realized he’d been caught in broad daylight. “Fine,” he said. “Just fucking take it.”
He shoved a backpack through my driver’s side window. Inside it was both my laptops and my daughter’s iPad from school. Back at home, I would discover these guys had used channel lock pliers to force open the back door, but that the general chaos of my home had prevented them from locating my passport, jewelry, or sole item of irreplaceable value: the Montblanc fountain pen that my father, who died in a bicycle accident two years ago, had gotten for his law school graduation. My cat was unfazed.
I can honestly tell you that this little caper of mine was thrilling and deeply satisfying. It was also the exact wrong thing to do. Even this fanatical open-carry gun website implores: “Don’t chase criminals.” What if these two dipsticks had been armed? As unlikely as that was—property crime in my town is often driven by addiction, and weapons are worth money, which can buy drugs—I put myself and my child in potential danger. And for what? Three grand worth of electronics. As any reputable expert will tell you, you’re never to give chase to a thief, because human life is not worth possessions. As much as I admit to enjoying being called a “badass” by everyone I told this story, plus the listeners of KLCC Oregon, I should not have done this.
I did call the police, on the nonemergency line, because the dudes were long gone and nobody was hurt. I declined the dispatcher’s offer to send two officers to fingerprint a bunch of stuff I’d already touched. At best, that would have just added two more sets of prints to my town’s burgeoning roster of perennially at-large property criminals.
There are larger issues here, issues much more important than my would-be cool story. First, it’s an example of how in Eugene, small-scale property crime is now de facto legal. It is largely nonviolent, so it’s rarely seen as worth police resources to track down the goods. At the same time, it is so prevalent that any time one vest-wearing bozo gets nabbed, three more spring up in his place. This was my house’s second break-in in six months, and my fourth property crime total in the three years I’ve lived here as an adult. Eugene is my hometown, so I can also add the four times my childhood house, where my mother still lives, has been burgled since the early 2000s. When I was little, we left our front door unlocked so regularly that I wasn’t aware front doors had locks on them until I was much older. By the time I turned 30, however, every door in my parents’ house had been pried open at least once. (“Time to finally get that alarm system!” said my dad for three straight decades.)
Still, it’s a mistake to treat this trend solely as a vexing crime problem. Eugene’s descent into its property crime epidemic has been concurrent, unsurprisingly, with two addiction epidemics: First, the methamphetamine nightmare of the 1990s—when pseudoephedrine pills were still unregulated—hit Oregon and other Western states particularly hard. That wave segued all too naturally into the opioid and fentanyl crisis of the present. Meanwhile, not only did meth never really leave, but its use in Oregon also surged with the pandemic, with three Oregonians per day currently dying a drug-related death.
Since our conversation was necessarily brief, I don’t know the housing or drug situation of the guys who broke into my place. But local statistics point to them as two more casualties of these plagues. (Granted, those statistics are from nearby Portland, and they are police-sourced, so take them how you wish.)
For all the ambivalent empathy that the opioid epidemic has engendered, the local property crime scourge has set off a fierce public backlash. My incident brought out an unsurprising chorus of bloodlust on Nextdoor and elsewhere, when I shared it because I wanted to give my immediate neighbors a heads-up: “You should have kicked their asses,” they wrote. “We need to rise up and defend our property.”
This town’s petty crime is often attributed, at least in the national conservative press, to our West Coast government’s decision to temporarily allow urban camping during the pandemic. (That policy has now officially ended, for what it’s worth.) Towns like mine have often been characterized in the popular imagination as unlivable crime-addled hellholes. I will be the first to admit that our tent cities are sometimes blatant open-air drug markets, but this is the case even as our property values inflate to absurd proportions—and our crime is actually on the decline. Still, Oregonians like me currently have about a 2.7 percent chance of being burgled, which, at almost 30 percent higher than the national average, is very high. I learned very efficiently how anecdotes like mine get around (I can’t help it if I’m a dynamic storyteller!) and attract the righteous indignation of other former victims, so many often feel, incorrectly, like we few honest vanguards are awash in a sea of riffraff.
This atmosphere, in turn, inspires my locality’s equally unreasonable political extremists to put forth and exacerbate their own untenable solutions. Even in a hyperpolarized American environment, Oregon is more polarized than most. For decades, our liberal enclaves have made Portlandia look understated, while our conservative areas make Texas’ look progressive.
For example, during the heyday of Eugene’s recently dismantled and infamous Washington Jefferson Park tent city, a larger break-in at a bicycle store was traced at least partially back to the encampment. The police swept the tents and made a flurry of arrests. Some of the bikes were found. This resulted in part in outrage over using resources to hassle the city’s most impoverished residents: “A stolen bike, yes, that sucks,” an advocate for the unhoused told a local news outlet. “But what are your priorities? And I’m sorry, but a stolen bike isn’t the priority.”
Well, trust me, in this town, it definitely isn’t. Recovering those bikes was an anomaly; in Eugene, most of these burglaries go unsolved. In fact, 87 percent of burglaries in the whole country do, too. The get-tough-on-property-crime proponents assert that statistically, this sends a message that stealing is fair game, and sure, that is a message I do not condone. But I also agree with a somewhat less rabid version of the opposing view: Property is replaceable, these crimes are nonviolent, and everyone currently rifling through houses and dealing drugs out of tents in my town is human. They deserve a chance to get their lives on track.
So, what should be the town’s priority? Fixing the addiction epidemics is a perilously long way away from happening, for reasons that are as polarizing as addiction’s consequences. In the sobering and excellent Dopesick, author Beth Macy goes into painfully exacting detail about opioids’ near-inescapable hold on the human brain. Macy argues that the true way out of this epidemic is “low-barrier treatment,” which includes supportive housing and medical interventions such as safe injection supplies, fentanyl testing strips, buprenorphine access, and supervised consumption sites. All of these options, however, are a tough sell even in a “progressive” town like Eugene, where supervised consumption sites are what NIMBY nightmares are made of, and low-barrier treatment can run up against deeply held moral stigma: Gas is $5 a gallon, and my taxes are going to some junkie?
In the meantime, while some admirably advocate and vote and wait for those breakthroughs, what should we do about the burglaries themselves? Should we pursue more law enforcement, or more compassion toward the burglars? More arrests that allegedly might deter this, or policies that might alleviate income inequality? Does—as approximately 83 percent of the suggestions from my Nextdoor thread contended—every house in town need a tripwire that handcuffs trespassers on sight? Or should all businesses be taxed at 500 percent, and the proceeds used to furnish every fentanyl dealer in town with a nice apartment and mad cash? The debate has degenerated such that these are the sorts of cartoonish positions each side believes they’re fighting—and, in fact, are the only available choices. Just check out Eugene’s Reddit section any day, but don’t say I didn’t warn you.
The actual blight on small American towns like mine isn’t property crime. It’s that any tenable solution to it has been swallowed up into a churning abyss of extremism and perceived counterextremism. No one seems to have a convincing answer to the most basic question: So what should we do? What should I do?
Burglaries don’t have to be largely unsolvable, and more property criminals could be apprehended. But while I don’t want those dudes or any of their buddies to come back to my house, I also don’t want them in an American prison, where their “rehabilitation” will consist largely of learning better ways to commit even bigger crimes when they get out, and their options for alternative forms of acquiring money will be even more limited than they are now. Lacking any meaningful restorative justice program for petty thieves in my town (which would, in turn, necessitate locating and apprehending them), I decided my own problems could be solved, for now, with a padlock on my back gate.
And then, not long after the break-in, a Nintendo Switch appeared on my town’s Craigslist. Its included components and color combination were identical to the set stolen from my house. I debated, briefly, bringing my vigilante justice alter ego Super Annoying out of retirement, answering the ad and showing up to shrill my wrongdoers into returning what was mine. But this time, I thought better of it. My life is not worth much, but it’s probably worth more than Mario Kart. I can only hope the console’s new owners enjoy it as much as my daughter did—at least until someone steals it again.

Am I the only person experiencing this?
I am moving out of state and have been posting on Facebook marketplace, Craigslist, OfferUp- and I’ll have people ask me if an item is available and then just completely ghost me. Or they’ll say they will meet up and never show. I honestly feel so disheartened and feel like crying :/ it’s such a stressful process and the thing that sucks is I have such good quality stuff, it would just cost way too much to ship it.
I’m going to try here, if anything interests you let me know and I will work out a good deal for you. It only allows me to post so many pictures so if anything interests you ask me and I will send you pictures of it. Good and genuine Vegas locals please come through.
BRAND NEW TV STAND‼️ Still in box, never got a chance to use: Selling for $250 (picture is what it looks like when put together) 🌺CURRENTLY AVAILABLE🌺
Outdoor backyard table set with 4 chairs, just got this for 770, selling it for $550- shoot me a message and I’ll give you a better price or send me your best offer. 🌺CURRENTLY AVAILABLE🌺
(PRICE LOWERED‼️)✨Cherry wood desk / top quality wood Bought this for around 2000, selling for just $650 but will give you a better price- or send me your best offer. Willing to work with you 🌺CURRENTLY AVAILABLE🌺
(PRICE LOWERED‼️) ✨65 inch Sony Bravia $550 + $75 Klipsch subwoofers and speaker: AVAILABLE ⭐️ and we made it a better deal for all of you so someone can enjoy. Must be bought together as a set to get this deal 🌺CURRENTLY AVAILABLE🌺
3 piece wood set, living room Table, side table, table holding TV (can also be used for other things like putting pictures flowers etc) $300 for all 3 🌺CURRENTLY AVAILABLE🌺
I have 1 great blender available: High, strong, speedy, quiet, works great. $25 🌺CURRENTLY AVAILABLE🌺
BRAND NEW ‼️ still in case, never used : Floating shelf home decoration. This is your sign to beautify your home. You can put pictures on there, plants, vases, anything and it gives it more of a home like feel. Selling for $25 🌺CURRENTLY AVAILABLE 🌺
Crystal home decor: $15 🌺CURRENTLY AVAILABLE🌺
Food Processor: works great! $15 🌺CURRENTLY AVAILABLE🌺
Portable stove: perfect for having shabu shabu, or hot pot, or bbq at home together at the table to enjoy together. Great to enjoy outdoors for parks & camping as well $15 🌺CURRENTLY AVAILABLE 🌺
1Strong sturdy Iron Board used twice $20 🌺CURRENTLY AVAILABLE🌺
Tripod can be used small on the table and extends huge up to 75 inches. Has a holder for camera or phone: $20 🌺 CURRENTLY AVAILABLE 🌺
BRAND NEW: YAHTZEE Board game still in wrapper with price tag on it bought for 20, selling for $10 🌺CURRENTLY AVAILABLE 🌺
Tower fan, just got this for 70 bucks, selling for 50 but I’ll give it to you for a better price. Just shoot me a message with your best offer🌺CURRENTLY AVAILABLE🌺
MARBLE BOARD: $20 🌺CURRENTLY AVAILABLE 🌺
5 pound weights : $6 each both for $10 🌺CURRENTLY AVAILABLE🌺
Wi-Fi extenders: 45 each or 75 for both 🌺CURRENTLY AVAILABLE🌺
Waffle maker: $10 🌺CURRENTLY AVAILABLE🌺
Skewer grill brand new still in box, never used : $20 🌺CURRENTLY AVAILABLE🌺
ceramic big vase: bought for 70, selling for 30- send me your best offer we will work something out 🌺CURRENTLY AVAILABLE 🌺
Electric hand mixer: works great and makes baking a breeze!! A must for baking $15 🌺CURRENTLY AVAILABLE🌺
Super cute weighted soap holder brand new: $5 🌺CURRENTLY AVAILABLE🌺
Couch is from Jubilee LV luxury modern couch purchased at 3,150. Selling it for 1000 shoot me a message and I’ll give you a better price or send me your best offer. We work something out. 🌺CURRENTLY AVAILABLE 🌺
lamp: $15 🌺CURRENTLY AVAILABLE🌺
Air fryer, used a few times. $20 🌺CURRENTLY AVAILABLE🌺
realistic faux plant decoration $10 🌺CURRENTLY AVAILABLE 🌺
This couch is the comfiest couch. It is stuffed with goose feathers so you just melt into the couch. needs to be lightly cleaned (was quoted $50 for a cleaning but I have no time so just selling the couch for super cheap) but this is the most comfortable couch, best naps on it ever! I just got these covers for 120 (they’re removable super easy no worries) lolll but you can have them for free with this couch. Probably should take it off and let the couch shine $200 🌺CURRENTLY AVAILABLE🌺
small dresser: Has a little chip on it but nothing too noticeable $10 🌺CURRENTLY AVAILABLE 🌺
(PRICE LOWERED‼️)✨Round table with Tempered glass with 4 chairs and cherry wood stand- this is a 2000 tempered glass table imported from Italy- selling for $600 but shoot me a message and we can work something out or send me your best offer. 🌺CURRENTLY AVAILABLE🌺
okay hear me out I know Christmas is a little ways away but it sneaks up every year and this year you’re going to be like man when that Asian girl was selling the Christmas stuff I should have gotten it for cheap lol ✨pine cone ribbon lamp battery operated: $5 🌺currently available🌺 ✨nutcracker: $5 🌺currently available🌺 ✨gnomes there’s 2 $5 each 🌺currently available🌺 ✨light up wreath: $5 🌺currently available🌺 ✨Christmas table decor: $5 ✨currently available✨ ✨Christmas towel: $2 🌺currently available🌺 Christmas plate/tray: $5 🌺currently available🌺 Or take all the Christmas stuff for $20 total