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Buy Here Pay Here: A forum for Buy Here Pay Here Professionals
2015.11.10 15:59 dbxyz Buy Here Pay Here: A forum for Buy Here Pay Here Professionals
A forum for Buy Here Pay Here professionals to discuss industry issues and best practices relating to the subprime auto finance sector.
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Community run sub for all things Samsung
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2024.05.15 18:39 Kv3ldulfr Please help me find this story!
It was a short story I read in a Best of 20xx (I don't remember the exact date, but pre2015) collection. It's so memorable, and I retell it to people now and again, but I can't find it anywhere! The name of the story is the name of the fictional Russian nightclub that serves as the setting, as well as the legendary gangster who built it.
Story goes like this.
Russian gangsters, the protagonist is the 2nd in command (we'll call him "P"). The Boss is taking him to a famous exotic nightclub but doesn't know P has saved up a ton of $$ and is planning to leave the game for good with his exotic dancer girlfriend. The club is named after another infamous old gangster who, upon the club's grand opening, disappeared into it, never to be seen again.
They enter the club into the main ballroom and take a seat at a fancy table before a central stage. This level of the club is very posh, filled with people of means. P knows that every morning, before the crowd turns over, there's an auction on this stage where the most beautiful dancer presents the crowd with a single pristine red rose. It's all show, for the high rollers to show off how much money they can throw away, but that rose is coveted nonetheless. P's boss introduces P to a suspicious associate, and after the formalities, P takes his leave to meet up with his girlfriend. This is where the story begins to get psychedelic.
A floor down, P meets his girl while she's working and takes a seat at a bar. He orders 2 shots of the club's house vodka (also named after the mysterious og gangster who built the place). After he takes the shots, he finds himself eerily walking alone in a snowy frozen wooded park. Suddenly, the suspicious associate of his boss comes out of nowhere and attacks him, ostensibly on the boss's orders. Our P loses this violent fight to the death, and as his eyes fade to black, he wakes up at the bar again with 2 empty shot glasses in front of him.
Shaking off the intense "dream," P leaves the basement floor of the club to find someone he can pay his large sum of $$ to, to buy his woman's freedom. This journey takes him up an elevator this time, and past a filthy and grotesquely emaciated janitor. As P passes the janitor they lock eyes, and in an instant P knows that this man is in fact, in the flesh, the owner of this club, the infamous og himself. With a silent and mangled grin, the decrepit janitor reaches out a gnarled open hand toward P, to receive the money. P knows this moment is crucial, but he hesitates when his sensibility demands a more formal transaction. The moment passes, the janitor turns back to his work. P is forced to walk on, angry and deeply disturbed, down the hall, to the next room of the club.
This floor has several rooms of themed masquerade, and as P stumbles through them, he finds himself talking to people he hasn't seen in ages. Some are family and friends, while some are old enemies of his. After calming down from his encounter with the horrible remnant of the club owner, he begins to realize that some of the people he's surrounded by should be dead. He's seen many of them die himself, and yet here they are, drinking and dancing the night away. He flees the scene, afraid he will somehow be stuck in that place of shambling walking dead, until he feels snowflakes again on his face.
P is in the snowy park again, but this time he knows the game. The cat-and-mouse game of death is P's home territory, and after the night he's had, he is more than ready for it. P stays in the treeline and waits for his assailant to reveal himself. Soon enough, his boss's new associate walks into the clearing, completely unaware of P. P sneaks up behind him and attacks, this time with vengeful ferocity and the clear upper hand. As he watches the light leave his assailant's eyes, all around him his surroundings dissolve into curtains that raise into the ceiling to the sound of thunderous applause, and P finds himself in the main ballroom again, center stage. He notices his boss, still seated at his original table, laughing and clapping with a thoroughly entertained smile on his face.
P silently climbs offstage and sits back down with his boss. He is just in time for the rose auction. Lo and behold, it's P's girlfriend on stage presenting the rose to the audience. As she begins to take bids P sits exhausted, and feels like this may be the last chance to buy freedom for him and his partner. He stands and offers his entire briefcase of savings for the rose, and not a single attendee will raise his offer. She saunters over to him, and says that this is it, it's over, and everything is ready for them to leave in the morning. She looks at him emotionless and says he had his chance to pay the owner, and he made his choice to keep the money. She takes the briefcase, presents him with the rose, and walks away.
P sits down again, and time passes in a blur until his boss claps him on the shoulder and tells him it's time to leave. They go outside to the boss's limousine, and P is left reflecting that after all that, it's back to work tomorrow after all.
submitted by Kv3ldulfr to shortstoryaday [link] [comments]
Story goes like this.
Russian gangsters, the protagonist is the 2nd in command (we'll call him "P"). The Boss is taking him to a famous exotic nightclub but doesn't know P has saved up a ton of $$ and is planning to leave the game for good with his exotic dancer girlfriend. The club is named after another infamous old gangster who, upon the club's grand opening, disappeared into it, never to be seen again.
They enter the club into the main ballroom and take a seat at a fancy table before a central stage. This level of the club is very posh, filled with people of means. P knows that every morning, before the crowd turns over, there's an auction on this stage where the most beautiful dancer presents the crowd with a single pristine red rose. It's all show, for the high rollers to show off how much money they can throw away, but that rose is coveted nonetheless. P's boss introduces P to a suspicious associate, and after the formalities, P takes his leave to meet up with his girlfriend. This is where the story begins to get psychedelic.
A floor down, P meets his girl while she's working and takes a seat at a bar. He orders 2 shots of the club's house vodka (also named after the mysterious og gangster who built the place). After he takes the shots, he finds himself eerily walking alone in a snowy frozen wooded park. Suddenly, the suspicious associate of his boss comes out of nowhere and attacks him, ostensibly on the boss's orders. Our P loses this violent fight to the death, and as his eyes fade to black, he wakes up at the bar again with 2 empty shot glasses in front of him.
Shaking off the intense "dream," P leaves the basement floor of the club to find someone he can pay his large sum of $$ to, to buy his woman's freedom. This journey takes him up an elevator this time, and past a filthy and grotesquely emaciated janitor. As P passes the janitor they lock eyes, and in an instant P knows that this man is in fact, in the flesh, the owner of this club, the infamous og himself. With a silent and mangled grin, the decrepit janitor reaches out a gnarled open hand toward P, to receive the money. P knows this moment is crucial, but he hesitates when his sensibility demands a more formal transaction. The moment passes, the janitor turns back to his work. P is forced to walk on, angry and deeply disturbed, down the hall, to the next room of the club.
This floor has several rooms of themed masquerade, and as P stumbles through them, he finds himself talking to people he hasn't seen in ages. Some are family and friends, while some are old enemies of his. After calming down from his encounter with the horrible remnant of the club owner, he begins to realize that some of the people he's surrounded by should be dead. He's seen many of them die himself, and yet here they are, drinking and dancing the night away. He flees the scene, afraid he will somehow be stuck in that place of shambling walking dead, until he feels snowflakes again on his face.
P is in the snowy park again, but this time he knows the game. The cat-and-mouse game of death is P's home territory, and after the night he's had, he is more than ready for it. P stays in the treeline and waits for his assailant to reveal himself. Soon enough, his boss's new associate walks into the clearing, completely unaware of P. P sneaks up behind him and attacks, this time with vengeful ferocity and the clear upper hand. As he watches the light leave his assailant's eyes, all around him his surroundings dissolve into curtains that raise into the ceiling to the sound of thunderous applause, and P finds himself in the main ballroom again, center stage. He notices his boss, still seated at his original table, laughing and clapping with a thoroughly entertained smile on his face.
P silently climbs offstage and sits back down with his boss. He is just in time for the rose auction. Lo and behold, it's P's girlfriend on stage presenting the rose to the audience. As she begins to take bids P sits exhausted, and feels like this may be the last chance to buy freedom for him and his partner. He stands and offers his entire briefcase of savings for the rose, and not a single attendee will raise his offer. She saunters over to him, and says that this is it, it's over, and everything is ready for them to leave in the morning. She looks at him emotionless and says he had his chance to pay the owner, and he made his choice to keep the money. She takes the briefcase, presents him with the rose, and walks away.
P sits down again, and time passes in a blur until his boss claps him on the shoulder and tells him it's time to leave. They go outside to the boss's limousine, and P is left reflecting that after all that, it's back to work tomorrow after all.
2024.05.15 18:34 BornLuckiest Are you wearing your Tinfoil Tuxedo and Top Hat? Renaissance Tech acquires $12.5mn shares in Gamestop, and Jim Simons dies! š
So, you probably wont have heard of Renaissance Technologies (aka RenTec), perhaps one of the original Quantative HFT Hedge Funds, established in 1982.
Well, they invested $12.5mn in Gamestop, but it doesn't stop there.
Their signature Medallion fund is famed for the best record in investing history.
Sources:
Cover Page 13F-HR for Renaissance Technologies
Breakdown of Holdings for Jan to Mar 24 (Cover Page above) šSearch this link for Gamestop, and you'll find 1,004,958 shares in sole ownership (that's not b*eneficial *ownership, for those paying attention) and they have full voting rights, meaning they are not lent out for shorting.
You'll notice this is a "NEW" investment, and it's not present in the previous filing, despite them having many investments in other gaming companies (as they obviously see Gaming as a huge growth area.)
Gamestop (GME) 1,004,958 Class A Shares worth $12,582,000
Previous Source: Breakdown of Holdings for Oct to Dec 23 š no matter how much you search you wont find Gamestop in here.
First, let me tell you why this huge; Dr Jim Simons isn't just the founder of some random High Frequency Trading (HFT) Investment fund. He's like the inventor of it all, if you'd like to learn more then read "The Quants: How a new Breed of Math Wizzes Conquered Wall Street and Nearly Destroyed It" (Try and find it in an old book shop rather than using Amazon though - be smart - know your enemy!)
Anyhow this legend has more weight and is arguably more respected in finance circles than Michael BĆ¼Åry, (that's the guy from the Movie "The Big Short") and we all know BĆ¼rÅy bought into Gamestop in 2019, BEFORE Ryan Cohen - he's well regarded around these parts. The buzz about Michael BĆ¼rÅy buying into GME had Roaring Kitty (aka DFV) and Ryan Cohen so excited, that they both increased their positions considerably.
This guy, is the godfather of wall-street, he began the most successful investment fund EVER (Medallion) and the company that runs the Medallion fund, invests a huge amount ($12,582,000) into Gamestop, and on the SAME DAY it's announced, Roaring Kitty comes back to life?! (...this ain't no Cohensidence!)
Jim Simons
Assuming Roaring Kitty's had a silence agreement in place for 3-years, then if we look at the detail, that silence order should/would have ended weeks ago. So, if you believe he was silenced (and if you have been following his Twitter, then that seems to be apparent) then he chose his moment! You can see how Roaring Kitty has been preparing for the last 3-years, and it's obvious that he timed his play.
These 13F-HR filings are required every 3-months. The deadline to file after each quarter is around 6-weeks after (42 days later than the reporting period end) to give them time to prepare the filings, etc.
Generally, it only take a week or two to prepare these things, big companies have people dedicated to the role, and often these filings are given to dedicated clerks whose job it is to to cross the Ts and dot the Is of a semi-automated report before filing to the SEC. So within certain circles many people, are aware of the content.
Once filed it takes a day or so to process, and you know there's a lot of revolving doors on Wall-street, so information travels fast, as that's the main currency of the economy.
So this position, would have been made public to those in the know, you get me? That's not so wild, perhaps one would say, "fair speculation", right?
72 hours before this is made really "public" knowledge to the rest of the world, (when millions of ape eyes are all over Jim Simons, asking him questions) he dies. The guy that no-one can out-think, the guy that dabbles in multi-dimensional topography for fun. Someone that could be a real threat to the AI trading algorithms that are currently manipulating the market and taking away price discovery. He's dead after announcing his company invested in GME.
This is really sad news.
Now, yes, he's was old, 86, that's a good innings. Especially for poor people like us, but when your one of the richest and most powerful men in the world, that's actually is not that amazing! Just look at Charlie Monger (100yrs), Warren Buffet (93yrs), George Soros (93yrs), Rupert Murdoch (93yrs), Henry Kissinger (101yrs), Queen Elizabeth (96yrs), etc. I don't need to bolster that argument; it's pretty much a fact money gives you good living, good food and good healthcare.
Here his Jim giving an interview, just over a year ago: https://www.youtube.com/watch?v=QUTaQvnwLzM
It's worth a watch, really nice agreeable guy, a bit of a rebel, and he's got life in him, he liked breaking things, but he doesn't look like he's on death's door to me, but make your own mind up.
No statement has been made by the family about how he died, but every good tinfoil wearing ape knows, if they want to "Clinton" you, they have ways.
I do agree that this last bit, is pretty wild and speculatory, but it's not hard to imagine that people with almost unlimited money and power can get rid of people who are going to be a spanner in the works of their plan, right?
So, you know where I am going with the final stack of speculatory tinfoil theory; What actually happened to Jim Simons?
Jim Simons (1938ā2024)
Rest In Peace Jim, but after all that has been said, he left us legacy;
submitted by BornLuckiest to GME [link] [comments]
Well, they invested $12.5mn in Gamestop, but it doesn't stop there.
Their signature Medallion fund is famed for the best record in investing history.
Sources:
Cover Page 13F-HR for Renaissance Technologies
Breakdown of Holdings for Jan to Mar 24 (Cover Page above) šSearch this link for Gamestop, and you'll find 1,004,958 shares in sole ownership (that's not b*eneficial *ownership, for those paying attention) and they have full voting rights, meaning they are not lent out for shorting.
You'll notice this is a "NEW" investment, and it's not present in the previous filing, despite them having many investments in other gaming companies (as they obviously see Gaming as a huge growth area.)
Gamestop (GME) 1,004,958 Class A Shares worth $12,582,000
Previous Source: Breakdown of Holdings for Oct to Dec 23 š no matter how much you search you wont find Gamestop in here.
THIS IS HUGE!
I could stop this post right here, because this alone is enough for a huge discussion and debate, but there's been something niggling my Spidey-senses, but we'll come to that in a bit.First, let me tell you why this huge; Dr Jim Simons isn't just the founder of some random High Frequency Trading (HFT) Investment fund. He's like the inventor of it all, if you'd like to learn more then read "The Quants: How a new Breed of Math Wizzes Conquered Wall Street and Nearly Destroyed It" (Try and find it in an old book shop rather than using Amazon though - be smart - know your enemy!)
Anyhow this legend has more weight and is arguably more respected in finance circles than Michael BĆ¼Åry, (that's the guy from the Movie "The Big Short") and we all know BĆ¼rÅy bought into Gamestop in 2019, BEFORE Ryan Cohen - he's well regarded around these parts. The buzz about Michael BĆ¼rÅy buying into GME had Roaring Kitty (aka DFV) and Ryan Cohen so excited, that they both increased their positions considerably.
This guy, is the godfather of wall-street, he began the most successful investment fund EVER (Medallion) and the company that runs the Medallion fund, invests a huge amount ($12,582,000) into Gamestop, and on the SAME DAY it's announced, Roaring Kitty comes back to life?! (...this ain't no Cohensidence!)
Jim Simons
Assuming Roaring Kitty's had a silence agreement in place for 3-years, then if we look at the detail, that silence order should/would have ended weeks ago. So, if you believe he was silenced (and if you have been following his Twitter, then that seems to be apparent) then he chose his moment! You can see how Roaring Kitty has been preparing for the last 3-years, and it's obvious that he timed his play.
DO YOU SEE HOW HUGE THIS IS?
So, don't get distracted, 'member this; RenTec are long Gamestop, this was announed the SAME DAY that ROARING KITTY returned - and from what I can see, RenTec have not lent out the shares, they have SOLE voting authority and SOLE investment discretion.THE COLOMBO QUESTION: "EXCUSE ME DEAR APE... JUST BEFORE YOU GO"
So, firstly, have you got your tinfoil ready to wrap around your head? ...because I know you all love this wild-speculation, it's like a cherry on top of a really amazing piece of news!These 13F-HR filings are required every 3-months. The deadline to file after each quarter is around 6-weeks after (42 days later than the reporting period end) to give them time to prepare the filings, etc.
Generally, it only take a week or two to prepare these things, big companies have people dedicated to the role, and often these filings are given to dedicated clerks whose job it is to to cross the Ts and dot the Is of a semi-automated report before filing to the SEC. So within certain circles many people, are aware of the content.
Once filed it takes a day or so to process, and you know there's a lot of revolving doors on Wall-street, so information travels fast, as that's the main currency of the economy.
So this position, would have been made public to those in the know, you get me? That's not so wild, perhaps one would say, "fair speculation", right?
72 hours before this is made really "public" knowledge to the rest of the world, (when millions of ape eyes are all over Jim Simons, asking him questions) he dies. The guy that no-one can out-think, the guy that dabbles in multi-dimensional topography for fun. Someone that could be a real threat to the AI trading algorithms that are currently manipulating the market and taking away price discovery. He's dead after announcing his company invested in GME.
This is really sad news.
Now, yes, he's was old, 86, that's a good innings. Especially for poor people like us, but when your one of the richest and most powerful men in the world, that's actually is not that amazing! Just look at Charlie Monger (100yrs), Warren Buffet (93yrs), George Soros (93yrs), Rupert Murdoch (93yrs), Henry Kissinger (101yrs), Queen Elizabeth (96yrs), etc. I don't need to bolster that argument; it's pretty much a fact money gives you good living, good food and good healthcare.
Here his Jim giving an interview, just over a year ago: https://www.youtube.com/watch?v=QUTaQvnwLzM
It's worth a watch, really nice agreeable guy, a bit of a rebel, and he's got life in him, he liked breaking things, but he doesn't look like he's on death's door to me, but make your own mind up.
No statement has been made by the family about how he died, but every good tinfoil wearing ape knows, if they want to "Clinton" you, they have ways.
I do agree that this last bit, is pretty wild and speculatory, but it's not hard to imagine that people with almost unlimited money and power can get rid of people who are going to be a spanner in the works of their plan, right?
So, you know where I am going with the final stack of speculatory tinfoil theory; What actually happened to Jim Simons?
Jim Simons (1938ā2024)
Rest In Peace Jim, but after all that has been said, he left us legacy;
RENTEC are bullish on GME! š¦šš
Edit: Typos and Grammar, and some minor word additions to make it read better - same as always.2024.05.15 18:32 wcndqrlxnd I need help for my 1st student laptop
Hello everyone! I'm very new to the game dev. world, but I'll be a student this September. I'm majoring in Game Graphics Production, and I have to buy myself a new laptop fit for the program. My uni gave me specifications for a laptop:
CPU: INTEL i7 - 12th or 13th gen; AMD Ryzen 6xxx/7xxx series
GPU: NVIDIA GeForce -RTX 3060/4050 minimum RTX 3070/4060 recommended
RAM: 16GB DDR5
Storage: 512GB minimum; 1TB recommended
Display: 15.6ā FHD/QHD
For the operating system, I'd prefer Windows.
The model recommended by the uni is Asus ROG Zephyrus G16. It's a bit pricey over here, so I'm looking for a cheaper option that will still cover all the requirements and run smoothly various apps like Maya, ZBrush, engines, etc. My budget is around 1500 euros. Still, I want something that is overall great for the price I'm paying (And with enough life as I'll have to use it for 3 years minimum). I've been looking at Asus TUF and ROG Strix as options. Also, I saw in an older post that AMD processors to be recommended over Intel, so let me know what you think. I'm primarily an artist, so this is all pretty new to me.
Any help/advice is much appreciated! Even if you could just tell me specifics to look out for that are must-haves. Thank you for your time!
submitted by wcndqrlxnd to gamedev [link] [comments]
CPU: INTEL i7 - 12th or 13th gen; AMD Ryzen 6xxx/7xxx series
GPU: NVIDIA GeForce -RTX 3060/4050 minimum RTX 3070/4060 recommended
RAM: 16GB DDR5
Storage: 512GB minimum; 1TB recommended
Display: 15.6ā FHD/QHD
For the operating system, I'd prefer Windows.
The model recommended by the uni is Asus ROG Zephyrus G16. It's a bit pricey over here, so I'm looking for a cheaper option that will still cover all the requirements and run smoothly various apps like Maya, ZBrush, engines, etc. My budget is around 1500 euros. Still, I want something that is overall great for the price I'm paying (And with enough life as I'll have to use it for 3 years minimum). I've been looking at Asus TUF and ROG Strix as options. Also, I saw in an older post that AMD processors to be recommended over Intel, so let me know what you think. I'm primarily an artist, so this is all pretty new to me.
Any help/advice is much appreciated! Even if you could just tell me specifics to look out for that are must-haves. Thank you for your time!
2024.05.15 18:30 YogurtclosetEqual803 to all aspiring gamblers, please do not make this choice m (19)
I just want to share my experience as I hope this serves as an inspiration for everyone to just stop it. I came out of a really traumatizing bet that caused me to lose all my money and I even have more debt I canāt pay off.
During the pandemic, my friend introduced me to cockpit fighting, from that day forward my life went downhill. I was 16. This is a warning to choose who your friends are because they might be the leading cause of the quicksand of hell you might drown in. I kept on winning consecutively and that changed my lifestyle, I started buying flashy phones, bought clothes, changed my appearance. I couldnāt let go of the lifestyle and image I had for myself so I wanted to continue on betting.
The biggest I have won is approximately 3000 dollars from the 70 dollars I cashed in. Little did I know I would lose all that money again and again because I thought I could keep winning. From 2021 to 2024, I have continued to lose and win, lose and win, until all my savings went off and I cost my mom $50000 dollars in losing savings and putting her in debt. (This all happened 2022)
I lied and lied having money when even going to Mcdonaldās wasnāt even possible.
This cost my social life, my mom and Iās relationship, my shame to myself to the point I have debated into unaliving myself each and every moment.
I have a boyfriend who is so kind and strong I donāt want to ruin myself and my potential into what I can be for him. I want to force my brain that there is no easy money and stop this fucking hellhole I keep putting myself everyday.
Take note that iām also spiritual and relied on Angel Numbes which I think brought me luck at first? But I think the Universe wants to teach me a lesson now. My greed has taken over my life and now I have to suffer the consequences of my actions.
I have a list of all the patterns and tips I made for myself and trust me when I say THERE IS NO PATTERN, even if the banker goes thru six times straight there is no saying it will go to banker againā same as if you try to break the pattern because you know it might jump to player just know everything is a 50/50 AND NOTHING IS CERTAIN. No amount of luck (i even invested on chinese luck and western luck to boost my chances of winning) can really back up your winning of Gambling. Because trust me when its not the universe helping u win the first time, its the bad ones (devil or whatnot) trying to suck u in. Its a game of probability.
I am addicted and today I will force my guts out to never fucking gamble even a dime. This is where I take charge of my life. Fuck casinos fuck gambling it destroys lives, destroyed my fatherās and is destroying mine.
THIS ENDS HERE I WILL FIGHT MY WAY TO STOP MY ADDICTION AND I WILL LIVE MY LIFE TO THE FULLEST. I WILL TURN MY LIFE 360 AND I WILL BE RESPONSIBLE FOR MONEY. I WILL UPHOLD MY MORAL STANDARDS AND I WILL MAKE MY FUTURE HUSBAND AND FAMILY PROUD.
I will get back to this thread in a year and I will write down all accomplishments that I have made and as well my recovery process.
I believe nothing is impossible. Wish me luck and pls never gamble, all your winnings are future losses. If you didnt win now, Itās probably for the best and donāt do anymore damage.
I love you Adrian, I love you so much. I will marry you and I will leave all these issues of mine. I will be the best person that you will know and I will succeed for our future and especially for our kids.
Mommy, I know I have been the worst child ever and yet you still try to give everything you can to me. I will stand back up. I will make you proud.
submitted by YogurtclosetEqual803 to GamblingRecovery [link] [comments]
During the pandemic, my friend introduced me to cockpit fighting, from that day forward my life went downhill. I was 16. This is a warning to choose who your friends are because they might be the leading cause of the quicksand of hell you might drown in. I kept on winning consecutively and that changed my lifestyle, I started buying flashy phones, bought clothes, changed my appearance. I couldnāt let go of the lifestyle and image I had for myself so I wanted to continue on betting.
The biggest I have won is approximately 3000 dollars from the 70 dollars I cashed in. Little did I know I would lose all that money again and again because I thought I could keep winning. From 2021 to 2024, I have continued to lose and win, lose and win, until all my savings went off and I cost my mom $50000 dollars in losing savings and putting her in debt. (This all happened 2022)
I lied and lied having money when even going to Mcdonaldās wasnāt even possible.
This cost my social life, my mom and Iās relationship, my shame to myself to the point I have debated into unaliving myself each and every moment.
I have a boyfriend who is so kind and strong I donāt want to ruin myself and my potential into what I can be for him. I want to force my brain that there is no easy money and stop this fucking hellhole I keep putting myself everyday.
Take note that iām also spiritual and relied on Angel Numbes which I think brought me luck at first? But I think the Universe wants to teach me a lesson now. My greed has taken over my life and now I have to suffer the consequences of my actions.
I have a list of all the patterns and tips I made for myself and trust me when I say THERE IS NO PATTERN, even if the banker goes thru six times straight there is no saying it will go to banker againā same as if you try to break the pattern because you know it might jump to player just know everything is a 50/50 AND NOTHING IS CERTAIN. No amount of luck (i even invested on chinese luck and western luck to boost my chances of winning) can really back up your winning of Gambling. Because trust me when its not the universe helping u win the first time, its the bad ones (devil or whatnot) trying to suck u in. Its a game of probability.
I am addicted and today I will force my guts out to never fucking gamble even a dime. This is where I take charge of my life. Fuck casinos fuck gambling it destroys lives, destroyed my fatherās and is destroying mine.
THIS ENDS HERE I WILL FIGHT MY WAY TO STOP MY ADDICTION AND I WILL LIVE MY LIFE TO THE FULLEST. I WILL TURN MY LIFE 360 AND I WILL BE RESPONSIBLE FOR MONEY. I WILL UPHOLD MY MORAL STANDARDS AND I WILL MAKE MY FUTURE HUSBAND AND FAMILY PROUD.
I will get back to this thread in a year and I will write down all accomplishments that I have made and as well my recovery process.
I believe nothing is impossible. Wish me luck and pls never gamble, all your winnings are future losses. If you didnt win now, Itās probably for the best and donāt do anymore damage.
I love you Adrian, I love you so much. I will marry you and I will leave all these issues of mine. I will be the best person that you will know and I will succeed for our future and especially for our kids.
Mommy, I know I have been the worst child ever and yet you still try to give everything you can to me. I will stand back up. I will make you proud.
2024.05.15 18:25 apeachinanorchard My thoughts on 10 fragrance samples from Etiket
Living in Eastern Canada, it's not as easy for us (as compared to our American neighbors) to get our hands on perfume samples without paying insane delivery prices. Etiket, based in Montreal, stocks niche/designer fragrances & has samples you can buy for almost every fragrance they sell, so I decided to bite the bullet. I haven't tried much from niche houses, only designer, so I was curious & wanted to try scents in the hopes of finding a possible signature fragrance. I bought 14 samples + the 3 extras Etiket give you (if you ask), but this review only includes 10 of them because I haven't tried everything yet and I also don't want this post to be a freakin novel. I'll probably do the rest in another post later.
About my tastes : I'm a fruity floral, gourmand & fresh type of person.
I made my list by houses (in alphabetical order) so here we go :
Carner Barcelona
Sal Y Limon - 5/10
Nice and fresh citrusy scent, very much beachy vibes, but the patchouli kicks the rest to the curb after 30 minutes. Note to myself : DNB anything with patchouli because that's all it's going to end up smelling like.
Giardini di Toscana
Blu Indaco - 8.5/10
This one had to grow on me because at first its musk felt way too masculine for me. I tried it first on a piece of cotton because of that, then when I came back to it after 1 or 2 hours, it had morphed into something nice and sweet. Tried it on skin and this time I found the musk way less intense. I'm getting almond, vanilla, clean laundry notes. The pepper is also coming through and stops Blu Indaco from becoming nauseating. I like this but I'm not sure if I'd commit to a full bottle, however I'll probably try to get my hands on a travel size.
Jorum Studio
Phloem - ??? / 10
Captivated as soon as I open the vial. First note I catch is amber and itās an amber that reminds me of Stella Peony by Stella McCartneyās base notes. Then, words that come to mind are pungent, salty and fresh. Thereās a slight musk. Iām getting overripe passionfruit & petrichor, with something sour too.
10 minutes post first pray : Iām definitely understanding why some compare Phloem to womenās scent down there, because what Iām smelling definitely reminds me of the female genitalia, minus the animalistic notes of sex. Thereās also powdery notes. Clean sweat. This is such a fascinating fragrance.
2h post spray : Anddddd this is where I got disappointed. Phloem turned into something woody and utterly disgusting, I can't even put my finger on what it is but I ended up scrubbing my wrists with rubbing alcohol bc it was giving me an headache.
A very interesting experiment but ultimately the base notes ruined it for me.
Healing Berry - 6.5/10
This is a bucketful of red and dark berries with something that's definitely tannic in essence, reminding me of wine. The blackcurrant and the raspberry shine in this. Strong sangria vibes. It smells very good, it's sweet without being nauseating, it works well on my skin, but for $105 USD / $140 CAD I am absolutely sure that I can find a dupe that's not nearly as expensive.
L'Artisan Parfumeur
Couleur Vanille : 9.5/10
In the words of Lady Gaga, talented, brilliant, amazing, show stopping, spectacular, never the same, totally unique...This is a fall in love at first whiff fragrance for me. If vanilla grew in the sea, this is what it would smell like. It's iodine, it's sweet, the immortelle notes gives an edge to it, I don't even know where to begin describing this. I know it's supposed to represent Madagascar, but having wandered through small town streets in southern France near the MƩditerranƩe, this is what it reminds me of. I ordered a full bottle.
Ć Fleur de PĆŖche - 7/10
I'm so so so disappointed the patchouli ended up drowning everything else, because the rest is gorgeous. Smells just like a peach orchard, this is not an artificial peach, this is fresh, herbaceous, sweet. I've learnt my lesson, I can't do patchouli in a perfume because it doesn't work at all with my skin.
Imaginary Authors
A Whiff of Wafflecone - 5.5/10
This is a well done gourmand, thing is, this doesn't remind me of an ice cream shop at all, this is 100% sugar shack (and I say this as a Canadian). It smells like what maple syrup tastes, if that makes any sense, and I get where the waffle cone title comes from, because there's definitely a hint of that. I'm just not a big fan of maple scent & it doesn't remind me of ice cream, which kind of seemed to be the goal, so that's why I knocked points off. For someone who likes this type of stuff, this would be a easy 6.5/10. Just not my thing.
Malin + Goetz
Strawberry - 7.5/10
I live in Quebec province, where fresh grown strawberries are available from mid-May to late-September. This smells just like our strawberry fields in June - it's green, it's herbaceous, there's a distinct note of well, fresh soil. Absolutely not your typical juicy strawberry smell. There's also some interesting notes like hay and clean wood that, for some reason unknown to me, reminds me of horses, without being animalistic. Freshly cleaned stables. I like this a lot but the staying power is weak and as such, I feel like this would do better in a soap or a candle than as a perfume.
Parfums de Marly
Oriana - 1.5/10
Oh man, what a disaster. The head notes are a perfect raspberry lemonade but not even 2 minutes after getting it on skin, an overwelming powder scent drowns EVERYTHING else and smells like old lady (bass boosted). The 1.5 is for the gorgeous head notes, otherwise this would be a 0/10.
Zoologist
Bee - 8/10
I love a well done honey scent and this is honey on crack. One of my favorite scents is Honey I Washed the Kids by Lush, which is very honey forward as well. If I had to compare the two, Bee is the raw material and HIWTK would be the end product, if that makes sense. This is truly like being inside a beehive, there is nothing artificial or dessert-like about this honey scent, its staying power is strong and there is something floral in the middle and base notes that is incredibly satisfying. I get some orange juice as well in the background. The white florals don't steal the show but rather compliment the overall scent. I can't stop smelling my wrist. However, I completely understand reviewers who said it's too much for them. I could see myself wearing this on a date, but not at a job interview.
submitted by apeachinanorchard to fragrance [link] [comments]
About my tastes : I'm a fruity floral, gourmand & fresh type of person.
I made my list by houses (in alphabetical order) so here we go :
Carner Barcelona
Sal Y Limon - 5/10
Nice and fresh citrusy scent, very much beachy vibes, but the patchouli kicks the rest to the curb after 30 minutes. Note to myself : DNB anything with patchouli because that's all it's going to end up smelling like.
Giardini di Toscana
Blu Indaco - 8.5/10
This one had to grow on me because at first its musk felt way too masculine for me. I tried it first on a piece of cotton because of that, then when I came back to it after 1 or 2 hours, it had morphed into something nice and sweet. Tried it on skin and this time I found the musk way less intense. I'm getting almond, vanilla, clean laundry notes. The pepper is also coming through and stops Blu Indaco from becoming nauseating. I like this but I'm not sure if I'd commit to a full bottle, however I'll probably try to get my hands on a travel size.
Jorum Studio
Phloem - ??? / 10
Captivated as soon as I open the vial. First note I catch is amber and itās an amber that reminds me of Stella Peony by Stella McCartneyās base notes. Then, words that come to mind are pungent, salty and fresh. Thereās a slight musk. Iām getting overripe passionfruit & petrichor, with something sour too.
10 minutes post first pray : Iām definitely understanding why some compare Phloem to womenās scent down there, because what Iām smelling definitely reminds me of the female genitalia, minus the animalistic notes of sex. Thereās also powdery notes. Clean sweat. This is such a fascinating fragrance.
2h post spray : Anddddd this is where I got disappointed. Phloem turned into something woody and utterly disgusting, I can't even put my finger on what it is but I ended up scrubbing my wrists with rubbing alcohol bc it was giving me an headache.
A very interesting experiment but ultimately the base notes ruined it for me.
Healing Berry - 6.5/10
This is a bucketful of red and dark berries with something that's definitely tannic in essence, reminding me of wine. The blackcurrant and the raspberry shine in this. Strong sangria vibes. It smells very good, it's sweet without being nauseating, it works well on my skin, but for $105 USD / $140 CAD I am absolutely sure that I can find a dupe that's not nearly as expensive.
L'Artisan Parfumeur
Couleur Vanille : 9.5/10
In the words of Lady Gaga, talented, brilliant, amazing, show stopping, spectacular, never the same, totally unique...This is a fall in love at first whiff fragrance for me. If vanilla grew in the sea, this is what it would smell like. It's iodine, it's sweet, the immortelle notes gives an edge to it, I don't even know where to begin describing this. I know it's supposed to represent Madagascar, but having wandered through small town streets in southern France near the MƩditerranƩe, this is what it reminds me of. I ordered a full bottle.
Ć Fleur de PĆŖche - 7/10
I'm so so so disappointed the patchouli ended up drowning everything else, because the rest is gorgeous. Smells just like a peach orchard, this is not an artificial peach, this is fresh, herbaceous, sweet. I've learnt my lesson, I can't do patchouli in a perfume because it doesn't work at all with my skin.
Imaginary Authors
A Whiff of Wafflecone - 5.5/10
This is a well done gourmand, thing is, this doesn't remind me of an ice cream shop at all, this is 100% sugar shack (and I say this as a Canadian). It smells like what maple syrup tastes, if that makes any sense, and I get where the waffle cone title comes from, because there's definitely a hint of that. I'm just not a big fan of maple scent & it doesn't remind me of ice cream, which kind of seemed to be the goal, so that's why I knocked points off. For someone who likes this type of stuff, this would be a easy 6.5/10. Just not my thing.
Malin + Goetz
Strawberry - 7.5/10
I live in Quebec province, where fresh grown strawberries are available from mid-May to late-September. This smells just like our strawberry fields in June - it's green, it's herbaceous, there's a distinct note of well, fresh soil. Absolutely not your typical juicy strawberry smell. There's also some interesting notes like hay and clean wood that, for some reason unknown to me, reminds me of horses, without being animalistic. Freshly cleaned stables. I like this a lot but the staying power is weak and as such, I feel like this would do better in a soap or a candle than as a perfume.
Parfums de Marly
Oriana - 1.5/10
Oh man, what a disaster. The head notes are a perfect raspberry lemonade but not even 2 minutes after getting it on skin, an overwelming powder scent drowns EVERYTHING else and smells like old lady (bass boosted). The 1.5 is for the gorgeous head notes, otherwise this would be a 0/10.
Zoologist
Bee - 8/10
I love a well done honey scent and this is honey on crack. One of my favorite scents is Honey I Washed the Kids by Lush, which is very honey forward as well. If I had to compare the two, Bee is the raw material and HIWTK would be the end product, if that makes sense. This is truly like being inside a beehive, there is nothing artificial or dessert-like about this honey scent, its staying power is strong and there is something floral in the middle and base notes that is incredibly satisfying. I get some orange juice as well in the background. The white florals don't steal the show but rather compliment the overall scent. I can't stop smelling my wrist. However, I completely understand reviewers who said it's too much for them. I could see myself wearing this on a date, but not at a job interview.
2024.05.15 18:18 Itsmiamiaa Some marriage advice - Make yourself useful.
I donāt mean this in a rude way, but from my experience itās the hard truth.
My husband and I have been married for almost 8 years. He was never really super active husband/dad but when we first got married/had a baby I didnāt work so I was happy to take on the household chores. Then I got a job, my household chores/parental duties didnāt change. I just had more on my plate. We had another baby and I went back to school to finish my degree, again didnāt get extra help I just had more on my plate. He wasnāt great to me, but he worked paid bills and he was there at least. I thought I couldnāt possibly be a single mom. The more I asked for help the more we arguedā¦ then I just stopped asking and started doing everything on my own. All the cooking, cleaning, paying half the bills but making sure all the bills were actually paid, taking kids to school, sports, scheduling/taking them doctodentist visits, buying gifts for his whole family on special occasions, laundry, playing with the kids, bathing them, putting them to bed.. all. alone. (While both working and going to school full time)
Well now my husband is gone, I asked him to leave and heās staying with a friend and he claims to be so sad about it. He asked me if the kids miss him and says he prays that I miss him so he can come back. But honestly, I donāt miss him because even when he was home her was never actually āhereā anyway. The kids barely notice heās gone, Iām sure they will eventually, but for right now nothing has really changed in any of our lives except his.
He taught me how to do it all alone while he stood there and watched. Had I been used to having help I probably wouldāve called him home by now, but it just doesnāt feel different when heās gone. Except now, I donāt have to beg someone for help or walk around upset because heās in the garage, drinking beer and watching tv while Iām in the house doing both of our jobs.
If you love your spouse, just be there for them. Take on the responsibilities you know you should. Care about their feelings more than yours. And if you really canāt do that then just let them go.
submitted by Itsmiamiaa to Marriage [link] [comments]
My husband and I have been married for almost 8 years. He was never really super active husband/dad but when we first got married/had a baby I didnāt work so I was happy to take on the household chores. Then I got a job, my household chores/parental duties didnāt change. I just had more on my plate. We had another baby and I went back to school to finish my degree, again didnāt get extra help I just had more on my plate. He wasnāt great to me, but he worked paid bills and he was there at least. I thought I couldnāt possibly be a single mom. The more I asked for help the more we arguedā¦ then I just stopped asking and started doing everything on my own. All the cooking, cleaning, paying half the bills but making sure all the bills were actually paid, taking kids to school, sports, scheduling/taking them doctodentist visits, buying gifts for his whole family on special occasions, laundry, playing with the kids, bathing them, putting them to bed.. all. alone. (While both working and going to school full time)
Well now my husband is gone, I asked him to leave and heās staying with a friend and he claims to be so sad about it. He asked me if the kids miss him and says he prays that I miss him so he can come back. But honestly, I donāt miss him because even when he was home her was never actually āhereā anyway. The kids barely notice heās gone, Iām sure they will eventually, but for right now nothing has really changed in any of our lives except his.
He taught me how to do it all alone while he stood there and watched. Had I been used to having help I probably wouldāve called him home by now, but it just doesnāt feel different when heās gone. Except now, I donāt have to beg someone for help or walk around upset because heās in the garage, drinking beer and watching tv while Iām in the house doing both of our jobs.
If you love your spouse, just be there for them. Take on the responsibilities you know you should. Care about their feelings more than yours. And if you really canāt do that then just let them go.
2024.05.15 18:16 Julius_seizure_2k23 Such brilliant questions on multiple layers of taxation that affect each one of us were asked and her reply was nothing. Do you have answers to the question posed by the gentleman? [Transcript Added]
![Such brilliant questions on multiple layers of taxation that affect each one of us were asked and her reply was nothing. Do you have answers to the question posed by the gentleman? [Transcript Added]](https://external-preview.redd.it/7gX5GKSmsb6NO-a0fejE2AoJImNyKqKezbv8iZJEO4k.jpg?width=320&crop=smart&auto=webp&s=210d644bc4b23e4c81a86cc6a0a723ea6f5b3458 "Such brilliant questions on multiple layers of taxation that affect each one of us were asked and her reply was nothing. Do you have answers to the question posed by the gentleman? [Transcript Added]") | I actually thought that she after listening attentively without interrupting, would reply logically and intellectually. submitted by Julius_seizure_2k23 to india [link] [comments] I mean she couldnt even speak a line on such important issues? Do you have a logical answer or solution to the question posed by the gentleman? What should the ideal/better solution(s) be? Transcript: As a broker, when we are putting a trade for a retail investor, we are dealing with a number of taxes: CGST, IGST, stamp duty, STT, long-term capital gain tax.Reply from FM : I have no answer for that, but a sleeping partner cannot answer sitting here. |
2024.05.15 18:15 bonvoyage1975 Need advice on investment structure
Iām 44 in a creative field at a corporate tech job which is relatively lucrative but I donāt identify with on a personal level. Have a side hustle that I love to do but itās more of a passion than something that pays the bills.Married with a child. My husband had his own investment vehicles which have a substantial balance. I take pride as the child of immigrants who sacrificed a lot to give me the opportunity to be able to earn a salary like my current one. I donāt think of my husbands investments as mine although the idea is to both work hard to enjoy our retirement when that happens. I just learned about fire and think I need to structure my finances more intelligently to get free quicker and live more meaningfully. I have $140k in my 401k. With my employer I have $160k in vested RSUs (kept it in the single stock, think large tech/retail). No debt. 6k in a reg savings account as an emergency fund. I may sell $60-100k of stock if we can find a home to buy in the next year or two, live in a high cost of living city so we will split the down payment. Things on my mind are the risk of having all that investment in one stock and also saving for my childās education. Leaning on the wise minds here to weigh in with advice, thanks!
submitted by bonvoyage1975 to Fire [link] [comments]
2024.05.15 18:12 wifeThrowaway04 Potential Scam? RealityAI, RadicalX
Writing a post about what strongly seems like a scam ( I donāt want to say itās a scam for legal reasons butā¦) I am seeing a lot of my CS peers fall for this on linkedIn and I wanted to warn others to be weary.
The company goes by the name of Radical AI and was ALLEGEDLY (more on this below) founded by
Joseph F. Krause, LinkedIn: https://www.linkedin.com/in/josephfkrause/
&&
Jorge Colindres, Linkedin:
https://www.linkedin.com/in/jcolindres/
&&
Gerbrand Ceder:
https://www.linkedin.com/in/gerbrand-ceder-9b1b5721/
This the company website:
https://lab.radicalai.app/
company linked in page:
https://www.linkedin.com/company/radicalai-li/about/
Job postings on their website (all unpaid):
https://lab.radicalai.app/careers/ai-engineer
https://lab.radicalai.app/careers/software-engineer https://lab.radicalai.app/careers/ai-product-manager
https://lab.radicalai.app/careers/ai-product-designer
Here is a LinkedIn job posting for an intern position (unpaid of course):
https://www.linkedin.com/jobs/view/ai-engineer-intern-at-radical-ai-3921496808/
Allegedly claim to be a part of radical ventures which are a legit business:
https://radical.vc/teams/
But not listed as part of Radical Venture's companies:
https://radical.getro.com/companies
One of the "cofounders" of RadicalAI (Joseph F. Krause) posted this:
link to post: https://www.linkedin.com/feed/update/urn:li:activity:7193987173241520129/
"
Big update: I have co-founded a new company with Jorge Colindres and Gerbrand Ceder that is changing the way materials are designed, developed, and discovered through the integration of artificial intelligence, engineering, materials science, and applied research. Jorge and I bring deep expertise in materials science, engineering, and building technical teams, and Gerd is world-renowned for his pioneering research in high-throughput computational materials design, and in the development of autonomous labs for materials discovery. Radicalās goal is to build self-driving labs: from AI-generated materials to autonomous, high-throughput experimentation.
We are thrilled to be supported by Kevin Ryan and the AlleyCorp team, who bring world-class experience in starting, building, and investing in startups. We incubated Radical AI at AlleyCorp, and are excited to remain in their portfolio.
We are hiring: if you work at the intersection of machine learning and materials science, please reach out.
ā
Interesting š that they created this company recently but so did another guy: Talha Sabri (more him below) several years prior.
It seems this company use to go by the name of RadicalX but they became known for their scam and had to rebrand with new faces as the CEO. Here are some posts on the original company:
Hereās a post talking about how they used to be Radical x: https://www.reddit.com/csMajors/comments/1cno28c/radical_ai/
Some past reddit posts discussing RadicalX:
https://www.reddit.com/nyu/comments/wuclrb/what_is_radicalx/
https://www.reddit.com/csMajors/comments/1856knw/radicalx/
https://www.reddit.com/webdev/comments/17akjvh/wtf_has_this_ever_happened_to_you/
The radicalX CEO: Talha Sabri (typing out names so that if someone googles any of them, they see this post and are aware)
Seems to work with:
Areeb Tariq
Ines Prates
Yunus Jamal
some info I found on Talha: https://theorg.com/org/radicalx/org-chart/talha-sabri
AND Here is his linked in with RadicalAI as his job Listing himself as chairman and CEO: https://www.linkedin.com/in/talhasabri/
Interesting that Joseph, Jorge, and Gerbrand claim they started the company yet Talha also started it 7 years agoā¦. and yes it is the same company Talhas page links to the same company page as Joseph and Jorge. They have the same logo and they use the same shitty AI art (you would think 7 years would give them more time to better their blender skills).
Note that Talha continues to say he works there, but he also now works at a new company RealityAI. Iām guessing now Talha felt the need to expand his scamming under the name RealityAI. I donāt know if we will be seeing unpaid job postings for reality or if it is the final product under a different name so that people who will use the service will not know its background.
Here is Reality AIās website: https://www.realityai.tech/
(Notice the same art as RadicalAI)
Also I found this. But, I am nsure if it has anything to do with any of this: https://listingspy.net/token/0x8b762ca4746b342d131b64670a3a3a866326fb46/
In conclusion, this honestly all seems really scammy and predatory. A friend told me they are promising visaās and college credit to foreign workers/ students, I donāt know if they are actually going through with it, but if they arenāt it is extremely messed up and all of these people should be black listed.
As an aside i found this comment in another post about radicalx and thought it was good advice to keep this in mind
Taken from a comment by u/beginning-comedian-2:
Red flags in job interviews (and sometimes dating):
submitted by wifeThrowaway04 to AICareer [link] [comments]
The company goes by the name of Radical AI and was ALLEGEDLY (more on this below) founded by
Joseph F. Krause, LinkedIn: https://www.linkedin.com/in/josephfkrause/
&&
Jorge Colindres, Linkedin:
https://www.linkedin.com/in/jcolindres/
&&
Gerbrand Ceder:
https://www.linkedin.com/in/gerbrand-ceder-9b1b5721/
This the company website:
https://lab.radicalai.app/
company linked in page:
https://www.linkedin.com/company/radicalai-li/about/
Job postings on their website (all unpaid):
https://lab.radicalai.app/careers/ai-engineer
https://lab.radicalai.app/careers/software-engineer https://lab.radicalai.app/careers/ai-product-manager
https://lab.radicalai.app/careers/ai-product-designer
Here is a LinkedIn job posting for an intern position (unpaid of course):
https://www.linkedin.com/jobs/view/ai-engineer-intern-at-radical-ai-3921496808/
Allegedly claim to be a part of radical ventures which are a legit business:
https://radical.vc/teams/
But not listed as part of Radical Venture's companies:
https://radical.getro.com/companies
One of the "cofounders" of RadicalAI (Joseph F. Krause) posted this:
link to post: https://www.linkedin.com/feed/update/urn:li:activity:7193987173241520129/
"
Big update: I have co-founded a new company with Jorge Colindres and Gerbrand Ceder that is changing the way materials are designed, developed, and discovered through the integration of artificial intelligence, engineering, materials science, and applied research. Jorge and I bring deep expertise in materials science, engineering, and building technical teams, and Gerd is world-renowned for his pioneering research in high-throughput computational materials design, and in the development of autonomous labs for materials discovery. Radicalās goal is to build self-driving labs: from AI-generated materials to autonomous, high-throughput experimentation.
We are thrilled to be supported by Kevin Ryan and the AlleyCorp team, who bring world-class experience in starting, building, and investing in startups. We incubated Radical AI at AlleyCorp, and are excited to remain in their portfolio.
We are hiring: if you work at the intersection of machine learning and materials science, please reach out.
ā
Interesting š that they created this company recently but so did another guy: Talha Sabri (more him below) several years prior.
It seems this company use to go by the name of RadicalX but they became known for their scam and had to rebrand with new faces as the CEO. Here are some posts on the original company:
Hereās a post talking about how they used to be Radical x: https://www.reddit.com/csMajors/comments/1cno28c/radical_ai/
Some past reddit posts discussing RadicalX:
https://www.reddit.com/nyu/comments/wuclrb/what_is_radicalx/
https://www.reddit.com/csMajors/comments/1856knw/radicalx/
https://www.reddit.com/webdev/comments/17akjvh/wtf_has_this_ever_happened_to_you/
The radicalX CEO: Talha Sabri (typing out names so that if someone googles any of them, they see this post and are aware)
Seems to work with:
Areeb Tariq
Ines Prates
Yunus Jamal
some info I found on Talha: https://theorg.com/org/radicalx/org-chart/talha-sabri
AND Here is his linked in with RadicalAI as his job Listing himself as chairman and CEO: https://www.linkedin.com/in/talhasabri/
Interesting that Joseph, Jorge, and Gerbrand claim they started the company yet Talha also started it 7 years agoā¦. and yes it is the same company Talhas page links to the same company page as Joseph and Jorge. They have the same logo and they use the same shitty AI art (you would think 7 years would give them more time to better their blender skills).
Note that Talha continues to say he works there, but he also now works at a new company RealityAI. Iām guessing now Talha felt the need to expand his scamming under the name RealityAI. I donāt know if we will be seeing unpaid job postings for reality or if it is the final product under a different name so that people who will use the service will not know its background.
Here is Reality AIās website: https://www.realityai.tech/
(Notice the same art as RadicalAI)
Also I found this. But, I am nsure if it has anything to do with any of this: https://listingspy.net/token/0x8b762ca4746b342d131b64670a3a3a866326fb46/
In conclusion, this honestly all seems really scammy and predatory. A friend told me they are promising visaās and college credit to foreign workers/ students, I donāt know if they are actually going through with it, but if they arenāt it is extremely messed up and all of these people should be black listed.
As an aside i found this comment in another post about radicalx and thought it was good advice to keep this in mind
Taken from a comment by u/beginning-comedian-2:
Red flags in job interviews (and sometimes dating):
- They ask you to send money.
- They won't talk on the phone.
- They are very interested but never want to meet you.
- They require a 2-day take-home assignment before they'll get on the phone.
- "We're a fast-paced shop." (meaning you'll be working all hours.)
- When you ask what they like about working there, they say "the insurance".
- They want to pay you all in stock.
- All the devs have been there less than a year.
- Beds in the office.
- When you talk to ex-employees and they start with "It might be different now, but when I was there..."
- They say, "We're like family" (meaning, we'll likely expect more from you than 9-5 work.)
- "We often buy dinner for everyone as a perk." = you'll be working late.
2024.05.15 18:11 wifeThrowaway04 Potential Scam? RealityAI, RadicalX
Writing a post about what strongly seems like a scam ( I donāt want to say itās a scam for legal reasons butā¦) I am seeing a lot of my CS peers fall for this on linkedIn and I wanted to warn others to be weary.
The company goes by the name of Radical AI and was ALLEGEDLY (more on this below) founded by
Joseph F. Krause, LinkedIn: https://www.linkedin.com/in/josephfkrause/
&&
Jorge Colindres, Linkedin:
https://www.linkedin.com/in/jcolindres/
&&
Gerbrand Ceder:
https://www.linkedin.com/in/gerbrand-ceder-9b1b5721/
This the company website:
https://lab.radicalai.app/
company linked in page:
https://www.linkedin.com/company/radicalai-li/about/
Job postings on their website (all unpaid):
https://lab.radicalai.app/careers/ai-engineer
https://lab.radicalai.app/careers/software-engineer https://lab.radicalai.app/careers/ai-product-manager
https://lab.radicalai.app/careers/ai-product-designer
Here is a LinkedIn job posting for an intern position (unpaid of course):
https://www.linkedin.com/jobs/view/ai-engineer-intern-at-radical-ai-3921496808/
Allegedly claim to be a part of radical ventures which are a legit business:
https://radical.vc/teams/
But not listed as part of Radical Venture's companies:
https://radical.getro.com/companies
One of the "cofounders" of RadicalAI (Joseph F. Krause) posted this:
link to post: https://www.linkedin.com/feed/update/urn:li:activity:7193987173241520129/
"
Big update: I have co-founded a new company with Jorge Colindres and Gerbrand Ceder that is changing the way materials are designed, developed, and discovered through the integration of artificial intelligence, engineering, materials science, and applied research. Jorge and I bring deep expertise in materials science, engineering, and building technical teams, and Gerd is world-renowned for his pioneering research in high-throughput computational materials design, and in the development of autonomous labs for materials discovery. Radicalās goal is to build self-driving labs: from AI-generated materials to autonomous, high-throughput experimentation.
We are thrilled to be supported by Kevin Ryan and the AlleyCorp team, who bring world-class experience in starting, building, and investing in startups. We incubated Radical AI at AlleyCorp, and are excited to remain in their portfolio.
We are hiring: if you work at the intersection of machine learning and materials science, please reach out.
ā
Interesting š that they created this company recently but so did another guy: Talha Sabri (more him below) several years prior.
It seems this company use to go by the name of RadicalX but they became known for their scam and had to rebrand with new faces as the CEO. Here are some posts on the original company:
Hereās a post talking about how they used to be Radical x: https://www.reddit.com/csMajors/comments/1cno28c/radical_ai/
Some past reddit posts discussing RadicalX:
https://www.reddit.com/nyu/comments/wuclrb/what_is_radicalx/
https://www.reddit.com/csMajors/comments/1856knw/radicalx/
https://www.reddit.com/webdev/comments/17akjvh/wtf_has_this_ever_happened_to_you/
The radicalX CEO: Talha Sabri (typing out names so that if someone googles any of them, they see this post and are aware)
Seems to work with:
Areeb Tariq
Ines Prates
Yunus Jamal
some info I found on Talha: https://theorg.com/org/radicalx/org-chart/talha-sabri
AND Here is his linked in with RadicalAI as his job Listing himself as chairman and CEO: https://www.linkedin.com/in/talhasabri/
Interesting that Joseph, Jorge, and Gerbrand claim they started the company yet Talha also started it 7 years agoā¦. and yes it is the same company Talhas page links to the same company page as Joseph and Jorge. They have the same logo and they use the same shitty AI art (you would think 7 years would give them more time to better their blender skills).
Note that Talha continues to say he works there, but he also now works at a new company RealityAI. Iām guessing now Talha felt the need to expand his scamming under the name RealityAI. I donāt know if we will be seeing unpaid job postings for reality or if it is the final product under a different name so that people who will use the service will not know its background.
Here is Reality AIās website: https://www.realityai.tech/
(Notice the same art as RadicalAI)
Also I found this. But, I am nsure if it has anything to do with any of this: https://listingspy.net/token/0x8b762ca4746b342d131b64670a3a3a866326fb46/
In conclusion, this honestly all seems really scammy and predatory. A friend told me they are promising visaās and college credit to foreign workers/ students, I donāt know if they are actually going through with it, but if they arenāt it is extremely messed up and all of these people should be black listed.
As an aside i found this comment in another post about radicalx and thought it was good advice to keep this in mind
Taken from a comment by u/beginning-comedian-2:
Red flags in job interviews (and sometimes dating):
submitted by wifeThrowaway04 to csMajors [link] [comments]
The company goes by the name of Radical AI and was ALLEGEDLY (more on this below) founded by
Joseph F. Krause, LinkedIn: https://www.linkedin.com/in/josephfkrause/
&&
Jorge Colindres, Linkedin:
https://www.linkedin.com/in/jcolindres/
&&
Gerbrand Ceder:
https://www.linkedin.com/in/gerbrand-ceder-9b1b5721/
This the company website:
https://lab.radicalai.app/
company linked in page:
https://www.linkedin.com/company/radicalai-li/about/
Job postings on their website (all unpaid):
https://lab.radicalai.app/careers/ai-engineer
https://lab.radicalai.app/careers/software-engineer https://lab.radicalai.app/careers/ai-product-manager
https://lab.radicalai.app/careers/ai-product-designer
Here is a LinkedIn job posting for an intern position (unpaid of course):
https://www.linkedin.com/jobs/view/ai-engineer-intern-at-radical-ai-3921496808/
Allegedly claim to be a part of radical ventures which are a legit business:
https://radical.vc/teams/
But not listed as part of Radical Venture's companies:
https://radical.getro.com/companies
One of the "cofounders" of RadicalAI (Joseph F. Krause) posted this:
link to post: https://www.linkedin.com/feed/update/urn:li:activity:7193987173241520129/
"
Big update: I have co-founded a new company with Jorge Colindres and Gerbrand Ceder that is changing the way materials are designed, developed, and discovered through the integration of artificial intelligence, engineering, materials science, and applied research. Jorge and I bring deep expertise in materials science, engineering, and building technical teams, and Gerd is world-renowned for his pioneering research in high-throughput computational materials design, and in the development of autonomous labs for materials discovery. Radicalās goal is to build self-driving labs: from AI-generated materials to autonomous, high-throughput experimentation.
We are thrilled to be supported by Kevin Ryan and the AlleyCorp team, who bring world-class experience in starting, building, and investing in startups. We incubated Radical AI at AlleyCorp, and are excited to remain in their portfolio.
We are hiring: if you work at the intersection of machine learning and materials science, please reach out.
ā
Interesting š that they created this company recently but so did another guy: Talha Sabri (more him below) several years prior.
It seems this company use to go by the name of RadicalX but they became known for their scam and had to rebrand with new faces as the CEO. Here are some posts on the original company:
Hereās a post talking about how they used to be Radical x: https://www.reddit.com/csMajors/comments/1cno28c/radical_ai/
Some past reddit posts discussing RadicalX:
https://www.reddit.com/nyu/comments/wuclrb/what_is_radicalx/
https://www.reddit.com/csMajors/comments/1856knw/radicalx/
https://www.reddit.com/webdev/comments/17akjvh/wtf_has_this_ever_happened_to_you/
The radicalX CEO: Talha Sabri (typing out names so that if someone googles any of them, they see this post and are aware)
Seems to work with:
Areeb Tariq
Ines Prates
Yunus Jamal
some info I found on Talha: https://theorg.com/org/radicalx/org-chart/talha-sabri
AND Here is his linked in with RadicalAI as his job Listing himself as chairman and CEO: https://www.linkedin.com/in/talhasabri/
Interesting that Joseph, Jorge, and Gerbrand claim they started the company yet Talha also started it 7 years agoā¦. and yes it is the same company Talhas page links to the same company page as Joseph and Jorge. They have the same logo and they use the same shitty AI art (you would think 7 years would give them more time to better their blender skills).
Note that Talha continues to say he works there, but he also now works at a new company RealityAI. Iām guessing now Talha felt the need to expand his scamming under the name RealityAI. I donāt know if we will be seeing unpaid job postings for reality or if it is the final product under a different name so that people who will use the service will not know its background.
Here is Reality AIās website: https://www.realityai.tech/
(Notice the same art as RadicalAI)
Also I found this. But, I am nsure if it has anything to do with any of this: https://listingspy.net/token/0x8b762ca4746b342d131b64670a3a3a866326fb46/
In conclusion, this honestly all seems really scammy and predatory. A friend told me they are promising visaās and college credit to foreign workers/ students, I donāt know if they are actually going through with it, but if they arenāt it is extremely messed up and all of these people should be black listed.
As an aside i found this comment in another post about radicalx and thought it was good advice to keep this in mind
Taken from a comment by u/beginning-comedian-2:
Red flags in job interviews (and sometimes dating):
- They ask you to send money.
- They won't talk on the phone.
- They are very interested but never want to meet you.
- They require a 2-day take-home assignment before they'll get on the phone.
- "We're a fast-paced shop." (meaning you'll be working all hours.)
- When you ask what they like about working there, they say "the insurance".
- They want to pay you all in stock.
- All the devs have been there less than a year.
- Beds in the office.
- When you talk to ex-employees and they start with "It might be different now, but when I was there..."
- They say, "We're like family" (meaning, we'll likely expect more from you than 9-5 work.)
- "We often buy dinner for everyone as a perk." = you'll be working late.
2024.05.15 18:09 ajcmaster No ASUS
I just lost an opportunity to buy a brand new Asus TUF RX 7900 XTX in a sale in Brazil for the same price I would pay in the US (which means a lot, prices here are generally way more expensive).
I almost paid for it but all this stuff being reported about their RMA process put me down and I thought for too long. There was only 5 units.
Did I do good?
I will probably wait for a Sapphire, MSI or XFX.
submitted by ajcmaster to pcmasterrace [link] [comments]
I almost paid for it but all this stuff being reported about their RMA process put me down and I thought for too long. There was only 5 units.
Did I do good?
I will probably wait for a Sapphire, MSI or XFX.
2024.05.15 18:08 Responsible_Guide613 FFIE to the moon, and why?
If you are having second thoughts or wondering how to convince everyone you know to get into this, hereās some thoughts: 1. If GME taught us anything, that is we can (will) beat hedge funds. We stick together for weeks back then and we can (will) do it again 2. Holding on to our bank account balance is meaningless, the few $k you are holding on to wonāt get you a house, wonāt pay off your student loan, wonāt be enough for a trip. Buy FFIE and change your future 3. Itās being short at 95%, it takes minimum effort and capital for us to squeeze the hedge funds. We will force them to freak out and buy back the shares
Dream big, buy more and hold strong We are in this togetherš #FFIE
submitted by Responsible_Guide613 to roaringkitty [link] [comments]
Dream big, buy more and hold strong We are in this togetherš #FFIE
2024.05.15 18:06 Low-Resident964 Long term homeless folks tell me about it
Hello I've been homeless for 8 years on and off anyway. I'm 18F so particularly have to pay attention to where I sleep and stuff. Got evicted abit over 2 months ago. Spent most of my time at this park in a tent. But for some reasons I won't get I to I've left that area and I'm going to be staying in a city that I'm not familiar with. I really need to figure out my longish term plan.
I am wanting to save for a caravan I estimate of I buy the cheapest one possible with rego I should be able to buy one in about 3 months. So thats something to look forward to (I don't have a car or drivers lincense to move it but I am enrolled in a gov program where I have money for support workers so they can move it for me I guess from free car park to free car park).
Anyway it's been a few weeks since I left the park. I think I bad a good run in that park due to location and stuff and think they are alot unsafer in this city I'll be staying in now. Anyway I haven't really came up with a solution I have just been straight up sleeping on benches close to the airport. I haven't had a shower in like a week either just baby wipes. So I want to set up something for the next 3 months ideally near a free beach showers.
I'm worried about going the park route just because the location scares me lots of homeless people stabbing each other in parks around here lately. Maybe I'll try stealth camping or something? Please don't recommend shelters or servicws or anything I've contacted them for years and they don't help they say they are all "full" so I give up with them.
I probably have to leave staying in the airport in the next 1-2 days be because I don't have a debit card ATM so im using cash so I gotta go to the bank.
For people that are more so long term homeless people please let me know what your set up is and details š
submitted by Low-Resident964 to homeless [link] [comments]
I am wanting to save for a caravan I estimate of I buy the cheapest one possible with rego I should be able to buy one in about 3 months. So thats something to look forward to (I don't have a car or drivers lincense to move it but I am enrolled in a gov program where I have money for support workers so they can move it for me I guess from free car park to free car park).
Anyway it's been a few weeks since I left the park. I think I bad a good run in that park due to location and stuff and think they are alot unsafer in this city I'll be staying in now. Anyway I haven't really came up with a solution I have just been straight up sleeping on benches close to the airport. I haven't had a shower in like a week either just baby wipes. So I want to set up something for the next 3 months ideally near a free beach showers.
I'm worried about going the park route just because the location scares me lots of homeless people stabbing each other in parks around here lately. Maybe I'll try stealth camping or something? Please don't recommend shelters or servicws or anything I've contacted them for years and they don't help they say they are all "full" so I give up with them.
I probably have to leave staying in the airport in the next 1-2 days be because I don't have a debit card ATM so im using cash so I gotta go to the bank.
For people that are more so long term homeless people please let me know what your set up is and details š
2024.05.15 18:03 MissingNerd Review (and Criticism) of the Cassette USB Stick
 | Since nobody would take this thing from my hands after I couldn't cancel my order I own this piece of plastic now (and I had to pay customs on top so I now paid more for this USB Stick than for Baldur's Gate 3 which is insane) submitted by MissingNerd to Epithet_Erased [link] [comments] Case is very fragile and feels like it'd break if you're not careful when opening it which, tbh, old cassettes often had but not all of them and you could've done better. The USB Stick is horrible to plug into anything. This is basically a thumb drive, but since it's attached to the large cassette it's basically as wide as the whole thing in terms of space it requires. I had to unplug my keyboard, copy the files over and plug it back in. The audiobook is all here, complete, sorted by chapters and DRM free. Good! It even has some extra files that apparently tell devices how to regulate the volume when playing it (?). No clue how music devices read this thing (if you manage to plug it in against the odds) The cover has a nice design but feels very cheap as well. Idk what they call that kinda paper but it's the same one pamphlets use. Would I buy this again? HELL NO! But that's mostly because I had to pay more than double the original price to get this thing delivered to my doorstep. For 30 bucks this is a nice collector's item, but you pay mostly for the fact that they only made a few and couldn't mass produce em |
2024.05.15 18:01 Previous_Science7675 Why Is Life Insurance Important for Self-Employed?
Life insurance is a financial product that provides a lump-sum payment to designated beneficiaries upon the death of the insured person, through life insurance companies in Sri Lanka. This payment, known as the death benefit, can help cover funeral expenses, replace lost income, pay off debts, and provide financial security for loved ones left behind.
For self-employed individuals, life insurance in Sri Lanka is particularly important for several reasons:
Ā· Income Replacement: Self-employed individuals often do not have the same safety nets as employees, such as employer-provided life insurance or pension plans. Life insurance can help replace lost income for their families if they pass away unexpectedly, ensuring that their loved ones are financially secure.
Ā· Debt Coverage: Many self-employed people have loans or debts associated with their business, such as business loans, mortgages, or credit card debt. Life insurance can help cover these debts, preventing financial burdens from being passed on to their heirs.
Ā· Business Continuity: For self-employed individuals who own businesses, life insurance can be crucial for business continuity. It can provide funds to cover expenses during a transition period or help buy out a deceased partner's share of the business, ensuring the smooth continuation of operations.
Ā· Estate Planning: Life insurance proceeds can be used to pay estate taxes or other expenses associated with transferring assets to heirs. This can help preserve the value of the estate and ensure that assets are distributed according to the individual's wishes.
Life insurance, similar to retirement plans in Sri Lanka, provides peace of mind for self-employed individuals, knowing that their loved ones and businesses will be financially protected in the event of their death. It is a crucial component of financial planning for anyone who relies on their income to support themselves and their families.
How do I find the right life insurance policy for my needs?
Finding the right life insurance policy for your needs involves assessing your financial situation, understanding your goals, and comparing various insurance options. Here is a step-by-step guide to help you through the process:
Ā· Assess Your Needs: Start by evaluating your financial obligations, including outstanding debts, mortgage, future expenses (such as college tuition for children), and the income replacement needs of your dependents. Consider how much coverage would be necessary to meet these needs if you were to pass away.
Ā· Understand Types of Life Insurance: There are two primary types of life insurance: term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years), while permanent life insurance (such as whole life or universal life) provides coverage for your entire life and includes a cash value component. Determine which type aligns best with your needs and preferences.
Ā· Calculate Coverage Amount: Use online calculators or consult with a financial advisor to estimate the amount of coverage you need based on your financial obligations and goals.
Ā· Compare Quotes: Get quotes from multiple insurance companies to compare premiums for the coverage amount you need. Consider factors such as the company's financial stability, reputation, and customer service.
Ā· Review Policy Features: Pay attention to the features and riders offered by each policy, such as accelerated death benefits, guaranteed insurability options, and waiver of premium riders. These features can add flexibility and additional benefits to your policy.
Ā· Check Underwriting Requirements: Understand the underwriting process for each insurance company, including medical exams, health questionnaires, and pre-existing conditions. Some companies may offer simplified or no-exam underwriting, which can be beneficial for certain individuals.
Ā· Read the Fine Print: Carefully review the policy contract, including terms, conditions, exclusions, and any limitations. Make sure you understand how the policy works and what is covered.
Ā· Consider Additional Riders: Depending on your needs, consider adding riders to your policy for additional coverage, such as accidental death benefit riders, critical illness riders, or disability income riders.
Ā· Seek Professional Advice: If you are unsure about which policy is best for you, consider consulting with a licensed insurance agent or financial advisor who can provide personalised recommendations based on your financial situation and goals.
Ā· Regularly Review Your Coverage: Life insurance needs can change over time due to factors such as marriage, the birth of children, career advancements, or changes in financial obligations. Review your coverage periodically to ensure it still aligns with your needs and make adjustments as necessary.
What should a life insurance policy include?
A comprehensive life insurance policy should include the following key components:
Ā· Death Benefit: This is the primary component of a life insurance policy. It provides a lump-sum payment to the designated beneficiaries upon the death of the insured individual. The death benefit amount should be sufficient to meet the financial needs of the insured's dependents and cover outstanding debts, funeral expenses, and other obligations.
Ā· Policy Term or Duration: For term life insurance policies, the policy will specify the coverage duration, such as 10, 20, or 30 years. Permanent life insurance policies provide coverage for the insured's entire life.
Ā· Premiums: The policy will outline the amount and frequency of premium payments required to keep the policy in force. Premiums can be paid annually, semi-annually, quarterly, or monthly.
Ā· Cash Value (for Permanent Policies): Permanent life insurance policies typically accumulate cash value over time, which can be accessed by the policyholder through loans or withdrawals. The policy should specify how the cash value grows and how it can be utilised.
Ā· Riders and Optional Benefits: Policyholders can often add additional coverage or benefits to their life insurance policy through riders. Common riders include accelerated death benefit riders, which allow the policyholder to access a portion of the death benefit if diagnosed with a terminal illness, and waiver of premium riders, which waive premium payments if the insured becomes disabled.
Ā· Coverage Exclusions and Limitations: The policy will outline any circumstances or events that are not covered by the insurance, such as suicide within a certain period after the policy is purchased or death resulting from illegal activities.
Ā· Policy Renewal and Conversion Options: For term life insurance policies, the policy may include options for renewal or conversion to a permanent policy at the end of the term without the need for a medical exam.
Ā· Policy Ownership and Beneficiary Designation: The policyholder has the right to designate the policy's owner and beneficiaries. The owner has control over the policy and can make changes to beneficiaries or coverage as needed.
Ā· Grace Period: The policy should specify a grace period during which premium payments can be made after the due date without the policy lapsing.
Ā· Policy Surrender and Lapse Provisions: The policy should outline the process and consequences of surrendering the policy or allowing it to lapse due to non-payment of premiums.
It is important to carefully review the terms and conditions of a life insurance policy before purchasing to ensure that it meets your needs and provides the necessary financial protection for you and your loved ones.
submitted by Previous_Science7675 to u/Previous_Science7675 [link] [comments]
For self-employed individuals, life insurance in Sri Lanka is particularly important for several reasons:
Ā· Income Replacement: Self-employed individuals often do not have the same safety nets as employees, such as employer-provided life insurance or pension plans. Life insurance can help replace lost income for their families if they pass away unexpectedly, ensuring that their loved ones are financially secure.
Ā· Debt Coverage: Many self-employed people have loans or debts associated with their business, such as business loans, mortgages, or credit card debt. Life insurance can help cover these debts, preventing financial burdens from being passed on to their heirs.
Ā· Business Continuity: For self-employed individuals who own businesses, life insurance can be crucial for business continuity. It can provide funds to cover expenses during a transition period or help buy out a deceased partner's share of the business, ensuring the smooth continuation of operations.
Ā· Estate Planning: Life insurance proceeds can be used to pay estate taxes or other expenses associated with transferring assets to heirs. This can help preserve the value of the estate and ensure that assets are distributed according to the individual's wishes.
Life insurance, similar to retirement plans in Sri Lanka, provides peace of mind for self-employed individuals, knowing that their loved ones and businesses will be financially protected in the event of their death. It is a crucial component of financial planning for anyone who relies on their income to support themselves and their families.
How do I find the right life insurance policy for my needs?
Finding the right life insurance policy for your needs involves assessing your financial situation, understanding your goals, and comparing various insurance options. Here is a step-by-step guide to help you through the process:
Ā· Assess Your Needs: Start by evaluating your financial obligations, including outstanding debts, mortgage, future expenses (such as college tuition for children), and the income replacement needs of your dependents. Consider how much coverage would be necessary to meet these needs if you were to pass away.
Ā· Understand Types of Life Insurance: There are two primary types of life insurance: term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years), while permanent life insurance (such as whole life or universal life) provides coverage for your entire life and includes a cash value component. Determine which type aligns best with your needs and preferences.
Ā· Calculate Coverage Amount: Use online calculators or consult with a financial advisor to estimate the amount of coverage you need based on your financial obligations and goals.
Ā· Compare Quotes: Get quotes from multiple insurance companies to compare premiums for the coverage amount you need. Consider factors such as the company's financial stability, reputation, and customer service.
Ā· Review Policy Features: Pay attention to the features and riders offered by each policy, such as accelerated death benefits, guaranteed insurability options, and waiver of premium riders. These features can add flexibility and additional benefits to your policy.
Ā· Check Underwriting Requirements: Understand the underwriting process for each insurance company, including medical exams, health questionnaires, and pre-existing conditions. Some companies may offer simplified or no-exam underwriting, which can be beneficial for certain individuals.
Ā· Read the Fine Print: Carefully review the policy contract, including terms, conditions, exclusions, and any limitations. Make sure you understand how the policy works and what is covered.
Ā· Consider Additional Riders: Depending on your needs, consider adding riders to your policy for additional coverage, such as accidental death benefit riders, critical illness riders, or disability income riders.
Ā· Seek Professional Advice: If you are unsure about which policy is best for you, consider consulting with a licensed insurance agent or financial advisor who can provide personalised recommendations based on your financial situation and goals.
Ā· Regularly Review Your Coverage: Life insurance needs can change over time due to factors such as marriage, the birth of children, career advancements, or changes in financial obligations. Review your coverage periodically to ensure it still aligns with your needs and make adjustments as necessary.
What should a life insurance policy include?
A comprehensive life insurance policy should include the following key components:
Ā· Death Benefit: This is the primary component of a life insurance policy. It provides a lump-sum payment to the designated beneficiaries upon the death of the insured individual. The death benefit amount should be sufficient to meet the financial needs of the insured's dependents and cover outstanding debts, funeral expenses, and other obligations.
Ā· Policy Term or Duration: For term life insurance policies, the policy will specify the coverage duration, such as 10, 20, or 30 years. Permanent life insurance policies provide coverage for the insured's entire life.
Ā· Premiums: The policy will outline the amount and frequency of premium payments required to keep the policy in force. Premiums can be paid annually, semi-annually, quarterly, or monthly.
Ā· Cash Value (for Permanent Policies): Permanent life insurance policies typically accumulate cash value over time, which can be accessed by the policyholder through loans or withdrawals. The policy should specify how the cash value grows and how it can be utilised.
Ā· Riders and Optional Benefits: Policyholders can often add additional coverage or benefits to their life insurance policy through riders. Common riders include accelerated death benefit riders, which allow the policyholder to access a portion of the death benefit if diagnosed with a terminal illness, and waiver of premium riders, which waive premium payments if the insured becomes disabled.
Ā· Coverage Exclusions and Limitations: The policy will outline any circumstances or events that are not covered by the insurance, such as suicide within a certain period after the policy is purchased or death resulting from illegal activities.
Ā· Policy Renewal and Conversion Options: For term life insurance policies, the policy may include options for renewal or conversion to a permanent policy at the end of the term without the need for a medical exam.
Ā· Policy Ownership and Beneficiary Designation: The policyholder has the right to designate the policy's owner and beneficiaries. The owner has control over the policy and can make changes to beneficiaries or coverage as needed.
Ā· Grace Period: The policy should specify a grace period during which premium payments can be made after the due date without the policy lapsing.
Ā· Policy Surrender and Lapse Provisions: The policy should outline the process and consequences of surrendering the policy or allowing it to lapse due to non-payment of premiums.
It is important to carefully review the terms and conditions of a life insurance policy before purchasing to ensure that it meets your needs and provides the necessary financial protection for you and your loved ones.
2024.05.15 17:56 ZGeekie Why The Negative Reviews of Bluehost & HostGator on Reddit?
Bluehost and HostGator are two of the most popular web hosting providers that are recommended by almost every review website.
Those are of course affiliate-run review websites and both Bluehost and HostGator pay good commissions to their affiliates.
On Reddit, you won't find many favorable reviews of these two hosts. You'd often be advised to just avoid them without being given much details as to why.
So let me elaborate on some of the reasons why you might be better off picking another provider.
Watch out for those sneaky "free" features that renew at a high price. For example, you may get a free .com domain for the first year, then you pay $20 per year for renewal plus $15 for Whois privacy (if you need it).
Let's see how much the basic "$2.95/month" hosting plan from Bluehost will cost to renew after the first year (with essential add-ons): $144 for the hosting plan + $20 for .com renewal + $15 for Whois privacy + $48 for CodeGuard (if you need backups) + $84 for SiteLock (if you need malware protection) + $25 for email (per email account) = $336 per year!
I've paid less than half that price at various other hosts and got better features, resources and support!
It's mostly canned replies from their first-line support agents, and sometimes it's a useless copy-paste answer that doesn't actually answer your question.
I might tolerate that if I was paying only $3 per month or so, but that's far from being the case here.
You don't read about this on review sites, but Bluehost and HostGator are owned by the same parent company called Newfold Digital, which also owns about a hundred other brands including Domain.com, Web.com, Register.com, Network Solutions, Crazy Domains, and others.
They seek market dominance by buying out smaller competitors and investing heavily in marketing (search ads and affiliate commissions).
For example, iPage was once a popular web host, then it was acquired by Newfold Digital (formerly EIG) and things went downhill until they shut it down and redirected traffic to Bluehost. Arvixe was another hosting provider that used to be great before it was acquired by Newfold/EIG who ran it into the ground and swallowed it.
The bottom line is, although Bluehost and HostGator have some decent features, they leave much to be desired. They could have more reasonable and transparent prices, less upselling, and better-trained chat support agents.
Until (and if) that happens, I'll add my voice to that of many Redditors and say you're better off steering clear of Bluehost, HostGator, and the rest of Newfold Digital companies.
submitted by ZGeekie to HostingReport [link] [comments]
Those are of course affiliate-run review websites and both Bluehost and HostGator pay good commissions to their affiliates.
On Reddit, you won't find many favorable reviews of these two hosts. You'd often be advised to just avoid them without being given much details as to why.
So let me elaborate on some of the reasons why you might be better off picking another provider.
High Renewal Prices
The biggest issue with Bluehost and HostGator are the high renewal prices of their plans. They initially give you a discounted price for the first year, then they charge you a high premium price that isn't justified by the features or support they offer IMO.Watch out for those sneaky "free" features that renew at a high price. For example, you may get a free .com domain for the first year, then you pay $20 per year for renewal plus $15 for Whois privacy (if you need it).
Let's see how much the basic "$2.95/month" hosting plan from Bluehost will cost to renew after the first year (with essential add-ons): $144 for the hosting plan + $20 for .com renewal + $15 for Whois privacy + $48 for CodeGuard (if you need backups) + $84 for SiteLock (if you need malware protection) + $25 for email (per email account) = $336 per year!
I've paid less than half that price at various other hosts and got better features, resources and support!
Poor Outsourced Support
You'd think such a premium price at least comes with a premium support service...nope! Bluehost and HostGator both outsource their support, which is another major drawback.It's mostly canned replies from their first-line support agents, and sometimes it's a useless copy-paste answer that doesn't actually answer your question.
I might tolerate that if I was paying only $3 per month or so, but that's far from being the case here.
Market Dominance Practices
Some of the critical reviews of Bluehost and HostGator on Reddit have to do with their market dominance and acquisitions.You don't read about this on review sites, but Bluehost and HostGator are owned by the same parent company called Newfold Digital, which also owns about a hundred other brands including Domain.com, Web.com, Register.com, Network Solutions, Crazy Domains, and others.
They seek market dominance by buying out smaller competitors and investing heavily in marketing (search ads and affiliate commissions).
For example, iPage was once a popular web host, then it was acquired by Newfold Digital (formerly EIG) and things went downhill until they shut it down and redirected traffic to Bluehost. Arvixe was another hosting provider that used to be great before it was acquired by Newfold/EIG who ran it into the ground and swallowed it.
The bottom line is, although Bluehost and HostGator have some decent features, they leave much to be desired. They could have more reasonable and transparent prices, less upselling, and better-trained chat support agents.
Until (and if) that happens, I'll add my voice to that of many Redditors and say you're better off steering clear of Bluehost, HostGator, and the rest of Newfold Digital companies.
2024.05.15 17:55 MadameAwkward7693 Am I wrong for not involving my step brothers?
Hey guys! Posting here because I've been a long time listener to TwoHotTakes and really value what Morgan, Justin, Dad and friends have to say! :-D
Just to give some back story, my dad got remarried when I was 19 and sister was 16. His wife had 3 sons, who were 19, 22, and 25. Me and the stepbrothers were never close. The two eldest sons were already married and with children. The youngest and I lived with them briefly but never long periods of time. We were in college and kind of in that in-between stage.
Now, 2 weeks ago, my stepmother contacted me about a trip we're getting ready to take to Florida with the ENTIRE family. While we are there she was planning on having a bonfire at the beach. She mentioned that I might want to contact my sister and her kids about a father's day present for my dad. She thought an outdoor portable sound speaker would be a great gift for him. She knew it was expensive so I should call the boys and see if they wanted to join in. I said let me talk to my sister and see what she thinks. She said okay, just let me know because if you don't do it I will plan to get it.
So, after talking to my sister, we decided not to go that route. One, we were a bit peeved that she would suggest this because it seems more like something she wants than what our dad wants. It's his day and we want to celebrate him, not her. Two, I didn't want to contact my stepbrothers because, well, he's not their dad. They didn't grow up with him. They don't buy him father's day gifts, normally. It just seems weird. It seems she just really wants this speaker but doesn't want to pay for it (or our dad said no, because she is a BIG spender and sometimes he has had to tell her to stop). So, I decided not to contact my stepbrothers and just message her to tell her thanks for the suggestion but we're going to do something else. Well, she got mad and said I should have contacted his other kids. Said I was an asshole for leaving them out. Am I the Asshole?
submitted by MadameAwkward7693 to TwoHotTakes [link] [comments]
Just to give some back story, my dad got remarried when I was 19 and sister was 16. His wife had 3 sons, who were 19, 22, and 25. Me and the stepbrothers were never close. The two eldest sons were already married and with children. The youngest and I lived with them briefly but never long periods of time. We were in college and kind of in that in-between stage.
Now, 2 weeks ago, my stepmother contacted me about a trip we're getting ready to take to Florida with the ENTIRE family. While we are there she was planning on having a bonfire at the beach. She mentioned that I might want to contact my sister and her kids about a father's day present for my dad. She thought an outdoor portable sound speaker would be a great gift for him. She knew it was expensive so I should call the boys and see if they wanted to join in. I said let me talk to my sister and see what she thinks. She said okay, just let me know because if you don't do it I will plan to get it.
So, after talking to my sister, we decided not to go that route. One, we were a bit peeved that she would suggest this because it seems more like something she wants than what our dad wants. It's his day and we want to celebrate him, not her. Two, I didn't want to contact my stepbrothers because, well, he's not their dad. They didn't grow up with him. They don't buy him father's day gifts, normally. It just seems weird. It seems she just really wants this speaker but doesn't want to pay for it (or our dad said no, because she is a BIG spender and sometimes he has had to tell her to stop). So, I decided not to contact my stepbrothers and just message her to tell her thanks for the suggestion but we're going to do something else. Well, she got mad and said I should have contacted his other kids. Said I was an asshole for leaving them out. Am I the Asshole?
2024.05.15 17:54 IllCount9149 Please Pray for My Peace
I just want to start by saying I don't know who is going to see this, but if you do I want to thank you in advance. God brought you here for a reason. Also, what I'm about to say is a lot so feel free to skim or read it all if you have the time.
Lately, I've been struggling a lot with depression and stomach pain due to the depression. I love my parents but sometimes they are hard to love. My parents rarely get along and argue most of the day. It got bad to the point where my dad choked my mom one night. He did apologize to all of us but I still find it unsettling and weird being around them lately. We had a family talk about everything and I said to feel comfortable I would like for us to receive counseling which no surprise my mother was against it because she said it'd be expensive. Also she feels how does the problems she has going on affect me? She'll deal with them herself (she has anger issues due to childhood trauma and takes it out on others). Anyway, some other stressful factors is that my parents do not make much money at all so therefore we all have lived in a small two bedroom apartment for 15 years. I never had my own room I always have to share with my brothers.
Currently, I just graduated college but have to continue to get my masters. I still never owned a car due to transportation being limited since I share my parents car. It's been hard because I have to schedule around them and because of that it's hard to save enough money especially after paying for all four years of my college expenses (my parents were unable to help). I still currently pay for my own groceries and sometimes have to cover our whole phone bill if my parents are unable to pay it. Also, being back home this summer I still have no friends in this town, only back where I went to school which is 4 hours away. So, most of time I am sitting at home waiting for the car to get to work. The job I currently work at barely schedules me so I have applied to over 20 jobs this past week with nothing heard back. Also where I'm moving for masters is 4 hours away and I still have to figure out how to cover rent or if I can afford to buy a car since I am going to be living in a dangerous city. The only response I got from my parents is what if you don't get a job? This hurt me a lot because I believe that with God I could get a job, he said nothing will be impossible. Just feels like I have no support from them and overall I'm feel depressed about it all.
I just want to crawl in my bed and never come out. I am so sad and angry and I don't what to do.
submitted by IllCount9149 to PrayerRequests [link] [comments]
Lately, I've been struggling a lot with depression and stomach pain due to the depression. I love my parents but sometimes they are hard to love. My parents rarely get along and argue most of the day. It got bad to the point where my dad choked my mom one night. He did apologize to all of us but I still find it unsettling and weird being around them lately. We had a family talk about everything and I said to feel comfortable I would like for us to receive counseling which no surprise my mother was against it because she said it'd be expensive. Also she feels how does the problems she has going on affect me? She'll deal with them herself (she has anger issues due to childhood trauma and takes it out on others). Anyway, some other stressful factors is that my parents do not make much money at all so therefore we all have lived in a small two bedroom apartment for 15 years. I never had my own room I always have to share with my brothers.
Currently, I just graduated college but have to continue to get my masters. I still never owned a car due to transportation being limited since I share my parents car. It's been hard because I have to schedule around them and because of that it's hard to save enough money especially after paying for all four years of my college expenses (my parents were unable to help). I still currently pay for my own groceries and sometimes have to cover our whole phone bill if my parents are unable to pay it. Also, being back home this summer I still have no friends in this town, only back where I went to school which is 4 hours away. So, most of time I am sitting at home waiting for the car to get to work. The job I currently work at barely schedules me so I have applied to over 20 jobs this past week with nothing heard back. Also where I'm moving for masters is 4 hours away and I still have to figure out how to cover rent or if I can afford to buy a car since I am going to be living in a dangerous city. The only response I got from my parents is what if you don't get a job? This hurt me a lot because I believe that with God I could get a job, he said nothing will be impossible. Just feels like I have no support from them and overall I'm feel depressed about it all.
I just want to crawl in my bed and never come out. I am so sad and angry and I don't what to do.
2024.05.15 17:53 BornLuckiest Are you wearing your Tinfoil Tuxedo and Top Hat? Renaissance Tech acquires $12.5mn shares in Gamestop, and Jim Simons dies! š
 | So, you probably wont have heard of Renaissance Technologies (aka RenTec), perhaps one of the original Quantative HFT Hedge Funds, established in 1982. submitted by BornLuckiest to Superstonk [link] [comments] Well, they invested $12.5mn in Gamestop, but it doesn't stop there. Their signature Medallion fund is famed for the best record in investing history. Sources: Cover Page 13F-HR for Renaissance Technologies Breakdown of Holdings for Jan to Mar 24 (Cover Page above) šSearch this link for Gamestop, and you'll find 1,004,958 shares in sole ownership (that's not b*eneficial *ownership, for those paying attention) and they have full voting rights, meaning they are not lent out for shorting. You'll notice this is a "NEW" investment, and it's not present in the previous filing, despite them having many investments in other gaming companies (as they obviously see Gaming as a huge growth area.) Gamestop (GME) 1,004,958 Class A Shares worth $12,582,000 Previous Source: Breakdown of Holdings for Oct to Dec 23 š no matter how much you search you wont find Gamestop in here. THIS IS HUGE!I could stop this post right here, because this alone is enough for a huge discussion and debate, but there's been something niggling my Spidey-senses, but we'll come to that in a bit.First, let me tell you why this huge; Dr Jim Simons isn't just the founder of some random High Frequency Trading (HFT) Investment fund. He's like the inventor of it all, if you'd like to learn more then read "The Quants: How a new Breed of Math Wizzes Conquered Wall Street and Nearly Destroyed It" (Try and find it in an old book shop rather than using Amazon though - be smart - know your enemy!) Anyhow this legend has more weight and is arguably more respected in finance circles than Michael Burry, (that's the guy from the Movie "The Big Short") and we all know Burry bought into Gamestop in 2019, BEFORE Ryan Cohen - he's well regarded around these parts. The buzz about Michael Burry buying into GME had Roaring Kitty (aka DFV) and Ryan Cohen so excited, that they both increased their positions considerably. This guy, is the godfather of wall-street, he began the most successful investment fund EVER (Medallion) and the company that runs the Medallion fund, invests a huge amount ($12,582,000) into Gamestop, and on the SAME DAY it's announced, Roaring Kitty comes back to life?! (...this ain't no Cohensidence!) Jim Simons Assuming Roaring Kitty's had a silence agreement in place for 3-years, then if we look at the detail, that silence order should/would have ended weeks ago. So, if you believe he was silenced (and if you have been following his Twitter, then that seems to be apparent) then he chose his moment! You can see how Roaring Kitty has been preparing for the last 3-years, and it's obvious that he timed his play. DO YOU SEE HOW HUGE THIS IS?So, don't get distracted, 'member this; RenTec are long Gamestop, this was announed the SAME DAY that ROARING KITTY returned - and from what I can see, RenTec have not lent out the shares, they have SOLE voting authority and SOLE investment discretion.THE COLOMBO QUESTION: "EXCUSE ME DEAR APE... JUST BEFORE YOU GO"So, firstly, have you got your tinfoil ready to wrap around your head? ...because I know you all love this wild-speculation, it's like a cherry on top of a really amazing piece of news!These 13F-HR filings are required every 3-months. The deadline to file after each quarter is around 6-weeks after (42 days later than the reporting period end) to give them time to prepare the filings, etc. Generally, it only take a week or two to prepare these things, big companies have people dedicated to the role, and often these filings are given to dedicated clerks whose job it is to to cross the Ts and dot the Is of a semi-automated report before filing to the SEC. So within certain circles many people, are aware of the content. Once filed it takes a day or so to process, and you know there's a lot of revolving doors on Wall-street, so information travels fast, as that's the main currency of the economy. So this position, would have been made public to those in the know, you get me? That's not so wild, perhaps one would say, "fair speculation", right? 72 hours before this is made really "public" knowledge to the rest of the world, (when millions of ape eyes are all over Jim Simons, asking him questions) he dies. The guy that no-one can out-think, the guy that dabbles in multi-dimensional topography for fun. Someone that could be a real threat to the AI trading algorithms that are currently manipulating the market and taking away price discovery. He's dead after announcing his company invested in GME. This is really sad news. Now, yes, he's was old, 86, that's a good innings. Especially for poor people like us, but when your one of the richest and most powerful men in the world, that's actually is not that amazing! Just look at Charlie Monger (100yrs), Warren Buffet (93yrs), George Soros (93yrs), Rupert Murdoch (93yrs), Henry Kissinger (101yrs), Queen Elizabeth (96yrs), etc. I don't need to bolster that argument; it's pretty much a fact money gives you good living, good food and good healthcare. Here his Jim giving an interview, just over a year ago: https://www.youtube.com/watch?v=QUTaQvnwLzM It's worth a watch, really nice agreeable guy, a bit of a rebel, and he's got life in him, he liked breaking things, but he doesn't look like he's on death's door to me, but make your own mind up. No statement has been made by the family about how he died, but every good tinfoil wearing ape knows, if they want to "Clinton" you, they have ways. I do agree that this last bit, is pretty wild and speculatory, but it's not hard to imagine that people with almost unlimited money and power can get rid of people who are going to be a spanner in the works of their plan, right? So, you know where I am going with the final stack of speculatory tinfoil theory; What actually happened to Jim Simons? Jim Simons (1938ā2024) Rest In Peace Jim, but after all that has been said, he left us legacy; RENTEC are bullish on GME! š¦ššEdit: Typos and Grammar, and some minor word additions to make it read better - same as always. |
2024.05.15 17:51 Significant-Owl5869 AITAH for not doing anything anymore for my husband?
Iām just at my wits end here. I (28f) love my husband (29m) very much. Iām just tired now. We have 3 kids (1f, 6f, & 10f) together, one whom is on the autism spectrum (severe).
Iām technically a SAHM. I have a āpart timeā job that I work 1-3 days out of the week. My husband has 2 jobs.
My credentials allow me to only work a few days out of the week but itās the equivalent of his jobs. For example if I work one day, I make what he makes at his part time job that he goes to all week. If I work the 3 days I make what he makes at both jobs all week and maybe even a little more. It just depends on what I want to do. Depending if the week with the kids is heavy I do one day but with 3 kids it takes a lot of my time and energy so I opt for 1 day mostly. Itās just to bring in some cash for the extra curriculars my kids do or house bills.
We donāt do 50/50 but we are like 25/75. I pay for all the groceries, all the utilities, anything our kids or myself and my husbands needs.. he pays the mortgage and a few other things. We have no debt, no car payments.. We are very good with money and have a nice chunk of savings. He doesnāt need a second job he just has it for us to save the most now that weāre young and not just scraping by when weāre old lol plus we want to buy another house soon. Heās been at the second job officially one year next week.
My husband feels like I donāt do anything and that my life is so āeasyā. He constantly makes comments like āhere let me make your life even more easierā cause I ask him to take out the trash or āyou donāt do anything here and we wouldnāt have this if it wasnāt for meā just because heās upset I didnāt check his car for a sweater he wanted to wear to work and itās not clean. Then he feels bad and doubles down and apologizes. Mind you, I do All the cooking, cleaning, parenting, kids sports, appointments, etc. I pack his lunch, I iron his clothes for work, I make sure he has plenty of snacks he likes at home so he isnāt grumpy throughout the out the day, I wake up earlier to prepare his coffee before he leaves to work, plus I work my part time.
When I do go to work he does nothing for the kids. It makes me feel bad to say that. I come home and our kids are not fed, not bathed, he just puts them on their tablets on goes on about his day but the second I walk through the door, āthey been on their tablets too long. Tell them to get off and go do something with themā..
This last argument has made me realize he has no idea how to be a parent.. heās always opted for a shift in the middle of the day, stay up all night and sleep all day. Ever since our oldest was born. Now that he has two jobs he hardly sleeps and it makes me feel bad for him. So I try my hardest to make his life easier. He just doesnāt appreciate it and Iām tired.
So a few days ago, after his last big tantrum, I stopped. I havenāt cleaned the house. I cook but I wonāt prepare his lunch. I stopped doing laundry. This morning he finally ran out of clothes and he was ANGRY. I told him I had no laundry soap. I ran out a few days ago and he needs to go buy some.
Heās not a bad guy. He works his butt off to be able to keep a roof over our heads. He hardly sleeps now because his jobs are physical and he wants to buy me a new car because weāre expecting baby #4 in a few months. I know he loves me but he doesnāt appreciate me. Honestly it feels like he starting to look at me like Iām a burden..
Now I want to show him what itās like not having me meet my part of our marriage. If he feels like he does it all then Iām going to let him do it all. Iām gonna let him pay all the bills this month and Iām not going to contribute a dollar. Iām not going to do the laundry. Iām not going to pack his lunch. Iām not gonna let him come home to clean house. If in his mind he does it all, he should do it all, right? So, AITAH for letting him do it all by himself?
submitted by Significant-Owl5869 to AITAH [link] [comments]
Iām technically a SAHM. I have a āpart timeā job that I work 1-3 days out of the week. My husband has 2 jobs.
My credentials allow me to only work a few days out of the week but itās the equivalent of his jobs. For example if I work one day, I make what he makes at his part time job that he goes to all week. If I work the 3 days I make what he makes at both jobs all week and maybe even a little more. It just depends on what I want to do. Depending if the week with the kids is heavy I do one day but with 3 kids it takes a lot of my time and energy so I opt for 1 day mostly. Itās just to bring in some cash for the extra curriculars my kids do or house bills.
We donāt do 50/50 but we are like 25/75. I pay for all the groceries, all the utilities, anything our kids or myself and my husbands needs.. he pays the mortgage and a few other things. We have no debt, no car payments.. We are very good with money and have a nice chunk of savings. He doesnāt need a second job he just has it for us to save the most now that weāre young and not just scraping by when weāre old lol plus we want to buy another house soon. Heās been at the second job officially one year next week.
My husband feels like I donāt do anything and that my life is so āeasyā. He constantly makes comments like āhere let me make your life even more easierā cause I ask him to take out the trash or āyou donāt do anything here and we wouldnāt have this if it wasnāt for meā just because heās upset I didnāt check his car for a sweater he wanted to wear to work and itās not clean. Then he feels bad and doubles down and apologizes. Mind you, I do All the cooking, cleaning, parenting, kids sports, appointments, etc. I pack his lunch, I iron his clothes for work, I make sure he has plenty of snacks he likes at home so he isnāt grumpy throughout the out the day, I wake up earlier to prepare his coffee before he leaves to work, plus I work my part time.
When I do go to work he does nothing for the kids. It makes me feel bad to say that. I come home and our kids are not fed, not bathed, he just puts them on their tablets on goes on about his day but the second I walk through the door, āthey been on their tablets too long. Tell them to get off and go do something with themā..
This last argument has made me realize he has no idea how to be a parent.. heās always opted for a shift in the middle of the day, stay up all night and sleep all day. Ever since our oldest was born. Now that he has two jobs he hardly sleeps and it makes me feel bad for him. So I try my hardest to make his life easier. He just doesnāt appreciate it and Iām tired.
So a few days ago, after his last big tantrum, I stopped. I havenāt cleaned the house. I cook but I wonāt prepare his lunch. I stopped doing laundry. This morning he finally ran out of clothes and he was ANGRY. I told him I had no laundry soap. I ran out a few days ago and he needs to go buy some.
Heās not a bad guy. He works his butt off to be able to keep a roof over our heads. He hardly sleeps now because his jobs are physical and he wants to buy me a new car because weāre expecting baby #4 in a few months. I know he loves me but he doesnāt appreciate me. Honestly it feels like he starting to look at me like Iām a burden..
Now I want to show him what itās like not having me meet my part of our marriage. If he feels like he does it all then Iām going to let him do it all. Iām gonna let him pay all the bills this month and Iām not going to contribute a dollar. Iām not going to do the laundry. Iām not going to pack his lunch. Iām not gonna let him come home to clean house. If in his mind he does it all, he should do it all, right? So, AITAH for letting him do it all by himself?
2024.05.15 17:50 seeldoger47 [H] $1000 Amazon GC(s) $500 eBay $500 Apple [W] Western Union, LTC, Wise [H] PayPal, Cashapp, LTC, Apple Pay, Varo, Venmo [W] All Your Gift Cards
Warning: I will not message you first. If you were messaged by someone claiming to be me you are in the process of being scammed.
You can download the WesternUnion app and send the payment from your phone and I will pay the fees.Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
- Type of card(s) and amount of each.
- What payment method you accept.
- How you acquired the GC and why you're getting rid of it.
I only have Steam as a substitute for cash payments in gift card trades.
| Want ā | Cash or a Gift Card ā | Crypto4 ā |
|---|---|---|
| Apple | 60%3 | NA |
| Amazon.ca | 50% | 50% |
| Amazon.co.uk | 50% | 50% |
| Amazon.com | 70% | 55% |
| Amazon.de | 50% | 50% |
| Amazon.es | 50% | 50% |
| Amazon.fr | 50% | 50% |
| Amazon.it | 50% | 50% |
| Amazon.jp | 30% | 30% |
| Arrow Films | 65% | 60% |
| Barnes & Noble | 50% | 50% |
| Baskin Robbins | 60% | 60% |
| Best Buy | 25% | 25% |
| BJ's (not BJ's restaurant)3 | 60% | NA |
| Bloomingdales | 50% | 50% |
| Burger King4 | 60% | NA |
| Clothing Shops (Small Boutique) | contact me | contact me |
| Dell3 | 60% | NA |
| Delta gift cards3 | 65% | NA |
| Delta Sky Miles3 | PM me | NA |
| Delta Vouchers3 | 65% | NA |
| Dicks Sporting Goods 3 | PM me | NA |
| Disney Plus | PM me | PM me |
| Dunkin Donuts3 | 60% | NA |
| eBay | 70% | 70% |
| Fandango3 | 10% | NA |
| Five Guys3 | 60% | NA |
| Gamestop | 60% | 60% |
| Gas Station Cards3 | PM me | NA |
| Gyft | 70% | 70% |
| Half Price Books | 50% | 50% |
| iTunes3 | 60% | NA |
| J crew | 40% | 40% |
| JCPenney | 25% | 25% |
| Jersey Mike Subs3 | 60% | NA |
| KFC3 | 60% | NA |
| Khols | 30% | 30% |
| Macys | 35% | 35% |
| Magazines.com | 40% | 40% |
| McDonald's 3 | 60% | NA |
| Microsoft3 | 60% | NA |
| Moeās Southwestern Grill3 | 60% | NA |
| Nintendo Eshop3 | 70% | NA |
| Nordstrom | 50% | 50% |
| Panera bread3 | 60% | NA |
| PSN3 | 60 | NA |
| PSN Plus 12 month3 | NA | NA |
| Saks Fifth Avenue | 50% | 50% |
| Sears | 50% | 50% |
| Sephora | 50% | 50% |
| Speedway (must be able to use on fuel)3 | 80% | NA |
| Staples | 50% | 50% |
| Starbucks US only | 55% | 55% |
| Steam3 | 60% | NA |
| Subway 3 | PM me | NA |
| Taco Bell | 60% | NA |
| Target | 50% | 50% |
| Urban Outfitters | 50% | 50% |
| Vudu3 | 50% | NA |
| Walmart | 60% | 60% |
| Wendys3 | 60% | NA |
| Xbox (gift cards)3 | 60% | NA |
| Other Clothing Stores, Gas Stations, Grocery Stores, Restaurant, & Fast Food gift cards | PM me |
What I donāt buy:
Any fees are built into the price.
- Amazon.au
- Bass Pro Shop
- buffalo wild wing
- California Pizza Kitchen
- Canadian tire
- Cold Stone
- Dairy Queen
- Fanatics
- Giant Foods
- Google Play
- Grub Hub
- Gymshark
- Hilton Honors
- Hot Topic
- Krispy Kreme
- old navy/gap/banana republic
- Patxi's pizza
- PSN Canada or UK
- publix
- Raceway
- Scheels
- Shell Gas Stations
- Spotify
- Starbucks Canada
- Tractor supply
- Xbox Canada or UK
- Xbox live gold
Selling
I have:Up to $1000 in Amazon.com (can be broken up into smaller denominations) and am selling at
Up to $500 in eBay (can be broken up into smaller denominations) and am selling at
- 85%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: LTC
Up to $500 in Apple.com ($15 and $50 denomination) and am selling at
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
2024.05.15 17:50 seeldoger47 [H] $1000 Amazon, $500 eBay, $500 Apple [W] Western Union, LTC, Wise [H] PayPal, Cash App, Crypto, Chime, Apple Pay, Varo, Venmo [W] Apple, Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Dunkin, eBay, Grub Hub, Gyft, iTunes, JCPenney, Microsoft, PSN, Steam, Target, Uber, Walmart, Xbox + more
Warning: I will not message you first. If you were messaged by someone claiming to be me you are in the process of being scammed.
You can download the WesternUnion app and send the payment from your phone and I will pay the fees.Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
- Type of card(s) and amount of each.
- What payment method you accept.
- How you acquired the GC and why you're getting rid of it.
I only have Steam as a substitute for cash payments in gift card trades.
| Want ā | Cash or a Gift Card ā | Crypto4 ā |
|---|---|---|
| Apple | 60%3 | NA |
| Amazon.ca | 50% | 50% |
| Amazon.co.uk | 50% | 50% |
| Amazon.com | 70% | 55% |
| Amazon.de | 50% | 50% |
| Amazon.es | 50% | 50% |
| Amazon.fr | 50% | 50% |
| Amazon.it | 50% | 50% |
| Amazon.jp | 30% | 30% |
| Arrow Films | 65% | 60% |
| Barnes & Noble | 50% | 50% |
| Baskin Robbins | 60% | 60% |
| Best Buy | 25% | 25% |
| BJ's (not BJ's restaurant)3 | 60% | NA |
| Bloomingdales | 50% | 50% |
| Burger King4 | 60% | NA |
| Clothing Shops (Small Boutique) | contact me | contact me |
| Dell3 | 60% | NA |
| Delta gift cards3 | 65% | NA |
| Delta Sky Miles3 | PM me | NA |
| Delta Vouchers3 | 65% | NA |
| Dicks Sporting Goods 3 | PM me | NA |
| Disney Plus | PM me | PM me |
| Dunkin Donuts3 | 60% | NA |
| eBay | 70% | 70% |
| Fandango3 | 10% | NA |
| Five Guys3 | 60% | NA |
| Gamestop | 60% | 60% |
| Gas Station Cards3 | PM me | NA |
| Gyft | 70% | 70% |
| Half Price Books | 50% | 50% |
| iTunes3 | 60% | NA |
| J crew | 40% | 40% |
| JCPenney | 25% | 25% |
| Jersey Mike Subs3 | 60% | NA |
| KFC3 | 60% | NA |
| Khols | 30% | 30% |
| Macys | 35% | 35% |
| Magazines.com | 40% | 40% |
| McDonald's 3 | 60% | NA |
| Microsoft3 | 60% | NA |
| Moeās Southwestern Grill3 | 60% | NA |
| Nintendo Eshop3 | 70% | NA |
| Nordstrom | 50% | 50% |
| Panera bread3 | 60% | NA |
| PSN3 | 60 | NA |
| PSN Plus 12 month3 | NA | NA |
| Saks Fifth Avenue | 50% | 50% |
| Sears | 50% | 50% |
| Sephora | 50% | 50% |
| Speedway (must be able to use on fuel)3 | 80% | NA |
| Staples | 50% | 50% |
| Starbucks US only | 55% | 55% |
| Steam3 | 60% | NA |
| Subway 3 | PM me | NA |
| Taco Bell | 60% | NA |
| Target | 50% | 50% |
| Urban Outfitters | 50% | 50% |
| Vudu3 | 50% | NA |
| Walmart | 60% | 60% |
| Wendys3 | 60% | NA |
| Xbox (gift cards)3 | 60% | NA |
| Other Clothing Stores, Gas Stations, Grocery Stores, Restaurant, & Fast Food gift cards | PM me |
What I donāt buy:
Any fees are built into the price.
- Amazon.au
- Bass Pro Shop
- buffalo wild wing
- California Pizza Kitchen
- Canadian tire
- Cold Stone
- Dairy Queen
- Fanatics
- Giant Foods
- Google Play
- Grub Hub
- Gymshark
- Hilton Honors
- Hot Topic
- Krispy Kreme
- old navy/gap/banana republic
- Patxi's pizza
- PSN Canada or UK
- publix
- Raceway
- Scheels
- Shell Gas Stations
- Spotify
- Starbucks Canada
- Tractor supply
- Xbox Canada or UK
- Xbox live gold
Selling
I have:Up to $1000 in Amazon.com (can be broken up into smaller denominations) and am selling at
Up to $500 in eBay (can be broken up into smaller denominations) and am selling at
- 85%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: LTC
Up to $500 in Apple.com ($15 and $50 denomination) and am selling at
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)
- 90%: WesternUnion, Wise, Airtm (You can download the WesternUnion app and send the payment from your phone and I will pay the fees.)