Hi, I’ve been doing some analysis and these three cards seem to hit on a lot of my category spending. However, I currently only have a Capital One QuickSilver with a -$30k CL. Also, my credit level is excellent.
I’ve read that some people have gotten two US bank cards in one month. So is it something like this?
1) Apply for and hopefully get the USB Altitude Reserve
2) Shortly after, apply for and hopefully get the USB Shoppers Cash Rewards
3) At some point after that(?) apply for and get the WF Autograph
4) Cancel my QuickSilver
Can someone who has some knowledge about how this works help advise me?
Thanks!
Also, I obviously don’t know what I don’t know but this was my rationale to keep the number of cards to manage pretty low (and not even have to carry the physical cards in all cases). If you know of a better CB combo that keeps the number of cards low, please let me know.
USBAR (no need to carry physical card)
Mobile Wallet: 3%
USBSCR (no need to carry physical card)
Walmart (I do all my shopping through the app): 6%.
Amazon: 6%.
Utilities/Bills: 3%
WFA (need to carry physical card)
Travel Purchases: 3% (or use USBAR)
Dining: 3%
Gas: 3%
International Travel: 1-3% (or use USBAR)
Everything else: USBSCR (so I actually would need to carry this physical card if a merchant doesn’t accept mobile pay and the purchase isn’t in a WFA category). 1.5%

I am panicking and need some help. I attempted to transfer money tonight from my CIT HYSA to my Wells Fargo account. I got the following error message - "330-ACCOUNT REQUIRES TAX NBR" - when submitting my transfer request. And of course their customer service closed 20 minutes ago.
I'll of course call in the morning but until then, and so I can sleep tonight, what the hell does that error message mean?!

So I posted a few weeks ago about problems I had that resulted in being told the account was marked for fraud. Was also told a lie that Wells Fargo will not accept transfers from money card.
The end result was they had to issue a paper check, and a new card will be generated when edd goes to pay me next time. I eventually got the check a week or so later. Then had to wait for a new card which wouldn't be issued until edd paid me again. I called and said I wanted a hold put on the next card until I call them when I received.
I just received the new account/card last night. I called money network to remove the hold andmake sure my money was there, was assured it was and I just needed to create a new account with money network (not sure exactly where the money sits when there is no account) and activate card.
I went to create the account, it found my info, setup user, picked. 2 security questions and created answers. When I try to go to the next screen, it said Server Error and had a link which returned me to start over the whole thing. So I did it all again and yes, got the Server Error when I tried to continue after creating security questions responses.
I call again and was told that perhaps I should just try a little later. Was also told I could always use their automated phone system with just the card. So my next call was to activate the card. It said it it couldn't and there was some problem. Tried again, same.
This was all last night around 11pm Pacific. So I try to call today to activate, it says can't do it, puts me to an agent.
Agent says system detected fraud, account closed, paper check in 1-3 weeks, a new card issue process won't happen until edd goes to pay me again. Groundhog day.
Feels like system bugs can result in false positive fraud. I suspect they are rushing continually revising the system and that certain parts of it are bombing out at times. End result is I spend hours on the phone and creating accounts, while getting my money weeks later.
You have to wonder if Edd has any knowledge of how their new vendor is performing in reality. Or does the vendor pat themselves on the back for the number fraud closures that many just may be system deficiencies.

Remember peeps of the internet, the promo is internal with "dealership financing." That is the loan obligation will be sold to one of three lenders who will to buy the purchase loans wholesale (TD Bank, US Bank, Well Fargo, Santander)
Those that apply and don't immediately see the promo offer need to email finance@teslamotors and the finance team will do a manual audit of the deal and adjust accordingly within five hours.

I have posted this story here multiple times and the moderation team has locked my thread multiple times. This is ridiculous. They are doing what they have always done: Suppress or ban anyone who they don't like. They are role-playing the super earth secret police, yet again.
The obvious reason is so that they can protect themselves from the truth. By locking my posts repeatedly, they are proving my point and making me more and more frustrated: They are one of the worst CM teams I have seen. I hope you will help me and fellow helldivers out by posting this where it can be seen if the moderators continue to try to protect themselves by locking my thread that tries to fully explain the PSN fiasco yet again. They will probably lock this thread ASAP, but maybe enough people will see this and understand what's going on.
Super Earth France Reporter here. The PSN fiasco has been one of the biggest events this year in all of gaming. Yet something very strange has been going on the entire time since the 3rd.
In the past three days, Arrowhead's CM (community manager) team has not only been contradictory with itself, but contradictory with their CEO's statements. At one point - a CM tells us that we should review bomb the game even harder.
From telling players to review bomb the game, once to tell players to piss off, the second time seriously, to conveniently leaving facts out, the CM have dragged AH from the 'F incident' through the PSN fiasco. If you have ever been confused by what is going on, here is the full story I have tried to put together (with difficulty).
It feels like at every step, every single person is saying something totally contradictory with what a different person is saying if we actually compare people's statements closely.
The CM team have only continued to damage their credibility, yet again, by misleading people and trying to cover up their mistakes during the PSN fiasco instead of trying to be honest. I need to ask everyone: What value do they even provide if this is the result?
This summary of events has been put together with insight from friends who discussed the recent AH issues at length with me, probably because I am the only one crazy enough to write this much. I hope you will enjoy reading this very long piece.

The PSN fiasco

The PSN fiasco all began on the 3rd: https://www.reddit.com/Helldivers/comments/1cjvw1s/arrowhead_community_manager_misty_admits_that_the/
This conversation followed an announcement signed by Playstation announcing PSN login integration. Most likely, the review bombing had not seriously started yet. Why would the CM change their Twitter and lock the post? It is probably in response to them discovering how angry people got about PSN integration.
At this point in time, everyone began trashing Sony, and many, myself included, said that this was a money-grabbing move for Sony to raise their stock value and Sony was clearly forcing this on AH.
But this CM said that Arrowhead wanted PSN linking and not Sony. Yet there's another post that was live JUST a day afterward that showed 'Spitz' saying what sounds like the frigging opposite. This is confusing at the least and the extent of how much this was AH's idea is still unclear. The first post likely happened before people started getting angry. The second post by Spitz likely occurred with the perspective of damage control.
Something is fishy.
One person says PSN allows them to ban people better. Later, Spitz said that the PSN change, steam announcement, and FAQ all come from Sony. I found this suspect. It seems to check out at first glance. The announcement from Sony on the 3rd can be seen here. Sure enough, it is signed by Sony. But this statement likely would have gone through both AH and Sony teams before being pushed out to Steam. It is unlikely that AH had no ability to coordinate with Sony on this statement. AH knew this was going to happen at some point 3 months ago, but maybe not exactly when.

Spitz roleplaying Super Earth propaganda ministry

Spitz' discord statements on discord are just damage control. But what's more, they are deliberately meant to mislead because they are so incredibly contradictory and leave out critical information.
This is the gist of what Spitz says: He tells us that internal discussions are ongoing about PSN linking and AH is trying to find alternative solutions. If AH can't find a better way, AH won't force players to link PSN. The steam announcement, FAQ, and PSN link is from Sony and not AH, (That's some bullshit. AH KNEW this was coming and AH had some say in it. You're leaving information out.) Spitz then apologizes for telling people to either make a PSN account or review bomb the game and piss off. (Not that it means anything, Spitz will probably just do it again in the future with that attitude) Spitz finally says we should continue to review bomb the game and gives them more pull in discussions with Sony. This is crazy. Developers asking players to review bomb the game further?
Let's take a look.
On the 3rd, Pilestedt is clearly aware and sad about the reviews. But Spitz tells us to keep the bombs coming, thanks for your help. We can make a better game this way. What?
At this point time, anger is aimed at Sony and Spitz does not reveal what they almost certainly always knew provides no clarity nor honesty to us, because the CEO revealed on the 5th that they knew for 6 months (9 months now) that they were going to do PSN integration.
Spitz simply leaves out this part and keeps on saying Sony Sony Sony. But Misty PROVES that they knew about EVERYTHING with the initial tweet on the 3rd that the CMs panicked and tried to hide. There is NO mention of this by Spitz!! Unless you are telling me something absolutely INSANE - that the CM team is SO disorganized that SOMEHOW, Misty has never talked to Spitz between the 3rd and 5th during a major crisis, there is CLEARLY something suspicious going on. Spitz says we are on the player's side. (Even though the CEO later reveals that through likely internal+PS discussions, they settled on PSN integration, probably to ban people better as Misty claims) Spitz says Sony did the announcement. (AH knew this was coming months ago) Oh, by the way, Sony, not us, made the FAQ, the Steam announcement and change. (Even though there's no way the AH team did not coordinate and talk to the Sony team)

In no way is Spitz helping us. On the 3rd, Misty had said the overwhelming number of people trying to link accounts for the first half hour of launch was what caused them to disable linking. You didn't know Asian helldivers couldn't do this...? You looked at attempted PSN links on launch day and didn't notice the problem in certain areas? Nothing is 'wrong', but this sounds very strange...
Spitz claims he didn't know some countries didn't have the ability to make the PSN account which screwed over our Asia Helldivers. This sounds strange. You are telling me that 6+ months ago, AH knew about PSN linkage but no person in AH or Sony knew that PSN accounts were not possible in many areas and NO ONE brought this up? This is not Sony's first time publishing a game. The CEO also claims this, and while yes it is plausible, it is just... suspicious. And the CEO says they were 'forced' to comply with PS and they KNEW there was going to be backlash. I am just going to stop speculating here and say three people are saying three different things. I feel like I am doing law school exam problems that are like: "Bob lied, but Nancy blames Ernest. John said Ernest tells the truth all the time."

And to address the craziest statement you will probably never see a developer call for ever again: You should review bomb the game. This is what really got me interested. I don't know what to make of this remark, but here is the best I can do:
If this game trained Helldivers to do something well, it's to collaborate on a major order.
At this point in time - people are absolutely just destroying the game on steam.
AH is watching their playerbase plummet, but there is a silver lining while this is going on - everyone is angry at Sony! And almost not at AH at all. Given how deceptive Spitz has been in leaving out just the right details, Spitz - is roleplaying the Super Earth Propaganda Minister (SEPM) by pushing all the blame onto Sony and keeping AH friendly with players. In conflict with this, Misty's statement on the 3rd would have made it seem like AH was the origin of the reason for PSN integration, which to this day, I'm still not certain how much of this was desired by AH.
If the players were all angry at AH, the game would be dead or have a far harder time recovering. We would no longer trust the developers. If the players directed their anger at Sony, players aren't really angry at the game and just want Sony to back down. AH can recover much more of its reputation and playerbase more easily. This is what AH would prefer if it had the choice between one or the other.
Why am I ultimately this suspicious of their CM team?

This is because this is a story about the Helldivers CMs who are roleplaying Super Earth Secret Police just a little bit too hard.

Every time they have only worsened AH's headaches with deceptive and rude treatment of their own community.
Going back, there is a trail of mess coming out of the discord and these community team that perfectly explains how they like to operate. Here is one of the most notable examples.

The F incident

If you haven't heard of the "F" incident, it began with people spamming the word "F" in their official server chat because the game went down. People were clearly just having fun bantering. To keep control, the moderation team actually PINGED the 100,000 members in the server, telling them to stop spamming "F" and threatening bans over spamming "F".
OBVIOUSLY THIS BACKFIRED. 100,000 people were pinged for the stupidest reason ever heard of, IMMEDIATELY more people started typing "F" in chat.
WELL regarding the bans, they weren't kidding. Summary here. So real quick, putting "F" in chat got you permabanned from the server. They don't even give a reason. You'll just find out that the server is gone from your server list. And no, you can't come back.
I think the moderator who did this and not the CM was kicked out for this. (might not be true) Well. Regardless this is just a case of idiots pulling in yet more idiots.
Frankly, I've never seen a server run more poorly and the way that their official discord is managed (not very well) only exposes how rude the people in their community team is toward the community. They would be deceptive when honesty is better. At one point we all loved this game and maybe we can continue doing so. But if we come back from this their community team needs to change.

In the official discord, I mean, let's just look at just a couple reasons I've seen people get banned for.

• "banned because someone linked my comment pinging a mod, instead of the actual person talking shit, and they banned me lmao", the mod "Didn’t even bother to check why they got pinged."
• Telling a mod they missed 90% of warhammer talk
• Talking about warhammer
• Having only numbers in your username. Who even cares, and why are you permabanning people for this? Not even a kick, just permaban?
• Mistyping a word, having automod catch it, being permabanned without warning or notification. You're not kicked. You're permanently banned.
• "I'm not on the official for whatever reason. I've been banned and I don't know why. All I can think of is because I called people who kick with no warning cucks." (probably talking about helldivers gameplay)
• Being banned for asking when some bugs would be fixed

What happens if people try to appeal the bans with an alt? They can get permabanned too.
It's just a mess how AH community team sees hundreds of thousands of players and thinks it won't make a dent in their numbers if they just treat people like garbage. What is the point of this community team? Well, the problem with having these types of people on your team is shown very well in how they have handled recent events.
In the end, what seems fair to say is that PSN integration was going to roll out at launch. It was delayed. Months after launch, it was re-implemented, but this was perceived as Sony's decision, and players were suspicious that Sony was trying to inflate their user count for the shareholders. However, it appears to be more complicated over exactly who wanted how much PSN integration. But again, the lack of consistency from either the CEO or the CMs and hostility from the Super Earth Secret Police who are supposed to be community managers has been the only constant.
Thanks for reading.
cue helldivers music
Since I do not use reddit I am just using my friend's account here to share this piece with you all. I just picked a category, hopefully that works.

Hi, I live in South Fargo and I am the at-home dad. Occasionally, I will use a service called Homeaglow (an app) to hire a quick cleaning helper so I don't get overwhelmed. The system puts out my job, and cleaners in the area are matched to it.
Today, I was going to be using a guy I know only as "Kenneth C." Never used him before. But he passed their background check and I was home so no big deal.
You communicate with the cleaner through the app (like Uber, etc), and as he was on his way, he sent me a message saying he was coming on his bike. (No idea if that means a bike or motorcycle.) He sent another message soon after saying he'd had an accident and dislocated his shoulder and asked please could he reschedule because he needed to get to the hospital.
Well yes, dude, absolutely! Unfortunately, I didn't see his message for about 10 minutes, I was working on my own morning and I'd just texted him so I wasn't worried about it, until I looked at the phone. I immediately thought, well, he couldn't be too far away and he's on a bike so maybe I should offer to get over there and help him. So I started texting, but I noticed that the messages weren't getting through.
Never did get through. I hope he got to the hospital.
Then, a couple of hours ago, I got an email from the customer service people on the app, apologizing for the sudden cancellation by him, and reassuring me (paraphrasing), "Hey don't worry we won't charge you for the appointment and we have disciplined the cleaner by making sure he's never allowed to clean for you again, as well as putting something in his file."
What the what??? I can't get a hold of either the Homeaglow customer service or Kenneth, he's blocked from me now. I hate to think that he would assume I had reported him or something, especially since I never answered his last text cuz I didn't see it!!
Does anyone out there know a "Kenneth C" who works as a temp cleaner??? Have him contact me here (He'd know me only as Eric from the app), I want to be sure he's all right. 🙏
Also, shame on Homeaglow for handling it like that without getting the facts, first.

Hi, I live in South Fargo and I am the at-home dad. Occasionally, I will use a service called Homeaglow (an app) to hire a quick cleaning helper so I don't get overwhelmed. The system puts out my job, and cleaners in the area are matched to it.
Today, I was going to be using a guy I know only as "Kenneth C." Never used him before. But he passed their background check and I was home so no big deal.
You communicate with the cleaner through the app (like Uber, etc), and as he was on his way, he sent me a message saying he was coming on his bike. (No idea if that means a bike or motorcycle.) He sent another message soon after saying he'd had an accident and dislocated his shoulder and asked please could he reschedule because he needed to get to the hospital.
Well yes, dude, absolutely! Unfortunately, I didn't see his message for about 10 minutes, I was working on my own morning and I'd just texted him so I wasn't worried about it, until I looked at the phone. I immediately thought, well, he couldn't be too far away and he's on a bike so maybe I should offer to get over there and help him. So I started texting, but I noticed that the messages weren't getting through.
Never did get through. I hope he got to the hospital.
Then, a couple of hours ago, I got an email from the customer service people on the app, apologizing for the sudden cancellation by him, and reassuring me (paraphrasing), "Hey don't worry we won't charge you for the appointment and we have disciplined the cleaner by making sure he's never allowed to clean for you again, as well as putting something in his file."
What the what??? I can't get a hold of either the Homeaglow customer service or Kenneth, he's blocked from me now. I hate to think that he would assume I had reported him or something, especially since I never answered his last text cuz I didn't see it!!
Does anyone out there know a "Kenneth C" who works as a temp cleaner??? Have him contact me here (He'd know me only as Eric from the app), I want to be sure he's all right. 🙏
Also, shame on Homeaglow for handling it like that without getting the facts, first.

Hi all,
I am considering re-doing my entire credit card "portfolio" to be more efficient and save money.
I currently use the 1.5% cash back Chase Freedom Unlimited card for everyday purchases, combined with the 5% cash back Amazon store card for Amazon purchases. I also have the Alaska credit card which I do not use for any purchases, I only have it for the companion fare benefit.
I am looking get a Citi Custom Cash card for 5% off my largest category, groceries, and upgrade my 1.5% cash back card to the Wells Fargo Active Cash card for 2% off all other everyday purchases.
I intend to cancel my Alaska card as it now has an annual spending requirement to get the companion fare, which I do not intend to hit and I also am less likely to use due to me moving to the east coast recently + it has an annual fee. The Alaska card is my most recent line of credit I have opened.
Is the above plan a smart move? I am worried about a large hit to my credit if I open two new credit cards and close one as I am looking to rent a house soon, however I have heard the credit hit is temporary, and I believe this option would save me money in the long run.
Let me know what you think :) thanks

Before I start let me just say in my experience AI is useful for IG reels in two ways:

1. Content that might show up in search. For example someone might search “Did Abraham Lincoln know how to ride a horse?”. It wouldn’t be worth it to create a hand-made video about that since the traffic would be so low. But if you create many of these videos automatically, the overall strategy can work really well.
2. Testing. AI can be a great way to testing a new channel or concept before spending the money on a human-generated video.

The example I’ll share today is using strategy #1 (search traffic).
Step 1: pick the topic. One thing I like to do is look at this list of popular wikipedia pages: https://en.wikipedia.org/wiki/Wikipedia:Popular_pages. For my video that got 250k I decided to pick Queen Elizabeth.
Step 2: Make an account on AIVideo.com and ask the chatbot to “Create a fact filled video about Queen Elizabeth starting with the hook ‘Did you know…’”
Step 3: Post to socials
Step 4: WAIT. Your video will not get a lot of views at first. Random people in FYP don’t want to see that content. But if the video is good, then eventually people will start to find it in search. The best part? That traffic keeps coming indefinitely as long as people are searching for that term.

Hello One piece fans, I have stumbled onto something that I believe to be tangible to One Piece, a parallel of sorts. It all started when I was looking into different yokai’ to find an enemy or some sort of opposite, which lead me to stumble into Tengu’s, whom are depicted as heavenly creatures/ and considered a type of yokai. Then as I read further, I found Sarutahiko Ōkami,
“considered to be the original model of Konoha-Tengu.” , and “He is the Shinto monkey deity who is said to shed light on Heaven and Earth.” But is also referenced to being a “god who illuminates the sky and the earth" in Ise, and was worshiped by local believers as the sun god.”
(Very basic in history, with there being multiple sun gods in history) (Stay with me now)
This is where I think I’m onto something! I went back to look into the Tengu, and I was able to find the Tiangou, the eating of the sun, and the moon. There are two types of Tiangou, a white one, and a black one. In my findings, “Tian Gou comes in two forms - one, a rare beast depicted as a white-headed fox that brings about peace and tranquillity and offers protection from harm, and two, a deity that is depicted as a black dog that eats the moon. “
(I’m honestly just finding this so it’s hard to put in my own words so imma just copy and paste the text, I wanted to save it and go in depth, but I believe if more people saw it they would able to see it and go even further if I’m on to something)
Tiangou White: Tian Gou was first referred to in the "Classics of Mountains and Seas" first. Below is a snippet from the original text where Tian Gou is mentioned, followed by a rough translation:
“又西三百里，曰阴山。浊浴之水出焉，而南流于番泽。其中多文贝，有兽焉，曰天狗，其状如狸而白首，其音如榴榴，可以御凶。”
“Another 300 leagues to the west lies Yin Mountain. The source of the River Zhuo Yu is located here and flows south into the Fan Marshlands. The River Zhuo Yu is full of marine life with patterned shells. On this mountain there lives a beast which looks like a fox* with a white head. It is called Tian Gou. The sound it makes is similar to “liu liu.” It can be used to ward off evil."
Tiangou Black: (has a lot more info about him)
There seems to be a lot of different versions of the origin story for Tian Ggou's second form. Each starts pretty much the same way, with the "soon-to-be" Tian Gou represented as a "black-eared hound" that is loyal to its master, Hou Yi (后羿 hòu yì). but for the sake of Tian Gou's story, all you need to know is that Hou Yi is a master archer that is granted an Elixir of Immortality for his numerous acts of skill and courage (shooting down 9 of the 10 Suns and defeating several mythical beasts). From there, the official story goes:
Hou Yi's wife, Chang'E (嫦娥 cháng'é), took the elixir before Hou Yi in an act of selfishness (to maintain her youth). Shortly after she began to feel weightless and began to lift from the ground. As she rose to the heavens, Hou Yi's "black-eared hound" who was behind the door witnessed her betrayal and began to bark at her. The hound then licked the last drops of the elixir and also began to rise. As he did, he also grew in size. Seeing this, Chang'E sought refuge behind the moon, but the hound swollowed the moon in one, taking Chang'E with it. When the Jade Emporer (玉帝 yù dì) and the Queen Mother of the west (王母娘娘 wáng mǔ niáng niáng) heard that the moon had been swallowed by a giant hound, she ordered her soldiers to capture it. She immediately recognised the hound was Hou Yi's. She renamed it Tian Gou and assigned it to guard the Southern Gate of Heaven. Tian Gou received a "Seal of Grace" and spat the moon and Chang'E back out.
(Imu could be Tiangou protecting Mary Geoise, after (hou yi, maybe imu’ master) defeating the nine stars(joy boys crew?))
Another version states that Hou Yi's apprentice, Feng Meng (逢蒙 féng méng), breaks in to Hou Yi's house when he is out hunting in order to take the elixir of immortality for himiself. His wife, Chang'E, realising Feng Meng's intent quickly drinks the elixir and begins to rise in to the air. She finally reaches the moon and becomes a Lunar Deity, reluctantly leaving her husband on earth as a mortal.
(Imu could be a woman and the moon in this case is Mary geoise, it would be weird if they were the moon tho)
Another version states that Hou Yi's acts of skill and courage go to his head, he proclaims himself king and becomes a tyrant that subjugates his people. Understanding that the elixir of immortality would allow Hou Yi to continue his rule of cruelty indefinitely, Chang'E drank it first. As she rose toward the moon, Hou Yi tried to shoot her down, but failed. She then hid behind the moon where she remains to this day.
(Imu could represent hou yi, with the tyranny, and a werid thought what if Chang’E is Nefertari Lili, with her disappearing and all)
And there's even another version that follows the official story word for word, the only difference being that Chang'E didn't take the elixir to maintain her youth, instead she took it because she found out that Hou Yi was being unfaithful to her!
(What if Imu and Lili were doing stuff on the side he could have had a wife idk)
Regardless of Hou Yi and Chang'E's relationship, Tian Gou is now most well known in Chinese culture for "eating the Moon and the Sun." When a solar or lunar eclipse occurs, people will proclaim that Tian Gou is here and that he has taken a bite out of either celestial body: "天狗食日" (tiān gǒu shí rì - Tian Gou has eaten/taken a bite out of the Sun "天狗食月" (tiān gǒu shí yuè) - Tian Gou has eaten/taken a bite out of the Moon
It is for this reason that Tian Gou (in this form) is seen as a bad omen. In fact, his arrival (an eclipse) is welcomed by the beating of drums and the release of fireworks and firecrackers in an attempt to scare him off.
(Back to me) there’s a few things that stick with me but the photos is what got me! Idk if any of this sticks, I just wanted to share my findings! Thank you for reading!
THE ONE PIECE! THE ONE PIECE IS REAL!
Credits: https://en.m.wikipedia.org/wiki/Tengu
https://en.m.wikipedia.org/wiki/Sarutahiko_%C5%8Ckami
https://en.m.wikipedia.org/wiki/Tiangou
https://en.m.wikipedia.org/wiki/Hou_Yi
https://www.chinabeastsandlegends.com/tian-gou
(SORRY FOR ANY SLOPPINESS OR INCORRECT SPELLING)

Trying not to catastrophize here but I (unfortunately) have avoided looking at my finances at all until today when I accidentally saw emails from chase and wells fargo stating that my statements are ready and my minimum payments are due. (I have autopay set up so I usually just assume it went through unless I get an email otherwise). I bit the bullet and checked my bank account. I'm not joking when I say I don't have enough in my bank account for one minimum payment. I'm stressing and I know I got myself here by being financially irresponsible, impulsive, dopamine seeking mostly. I have 15k worth of cc debt accumulated over the last couple of years. I always spend first and think later because sometimes it feels like I need to buy something or else I'll spiral into a hole of depression. Like oh I'll just make THIS my last purchase and then I'll be done. I know that's not the truth, but it feels like that. So the financial situation is pretty bleak and I just can't see a way out. I'm employed but only part time and don't have any benefits. I feel for all intents and purposes incapable of more gainful employment as I've been working for myself since 2018. The problem with this is my income is directly related to my level of energy/ability to do work and as of late I have been feeling the worst I have ever felt therefore my income is the worst it's been in awhile. I do have a Roth IRA but i haven't looked at that and something tells me I shouldn't pull out any money from it. I know this is a bad situation and I know it's not ideal. But does anyone have any helpful nuggets of wisdom, some encouragement that I actually can and will pay down this debt, or anything else that may make me not wanna jump off a building rn? Thank you!

If you have a DDD of 5/15 and have Wells Fargo check your account! Got a trace # on SBTPG a little after 4 pm est and just checked my account, the $ was there!

A few months ago, I used about 200k points and cash to book flights for our family for spring break. I had to book through the Wells Fargo travel portal. It was about $4k in United tickets (I have a high status on Delta but am no one to United).
Two months later, we decided to not take that trip due to a travel advisory for safety. United was happy to move that money into a future flight credit.
Here’s where things got weird:

• I keep being shuttled back and forth between WF and United to use the credits. No one seems to have the same story about how to use the credits.
• I tried to use the credits for 2 tickets to Chicago to use up some of the balance. I was told that the rest of the dollars on those tickets (about $600 each) would then be forfeited.
• I was also told that if my husband and I book these flights to Chicago it will also forfeit the $2k in tickets for our kids because they are minors.

How can this be? Is there a workaround? I’ve had such a better experience with Delta.

Saluto!
I would like to share my observations related to the Ido language from the point of view of two main Wikimedia projects.
Esperanto, despite its initially different concept, is intended to be a second (auxiliary) language for people from all over the world. One would like to say that this is nothing groundbreaking, because in it Ido is identical with its linguistic ancestor. But in my opinion this is not the case. Of course, Ido, as its followers refer to it, is an auxiliary language. The only question is for what/who? I'm not talking about the utopian idea of both languages.
Through Wikimedia projects, I believe that Ido is an auxiliary language of... English. Administrators of these projects (in the Ido language version) are by default dependent on the English Wikipedia, as well as the English vocabulary in en-wiktionary. This is easily noticeable. For example, creating a biography of a person who does not have an article in English ends with adding a page with an error because the template is linked to the English version from above. It is also easy to notice that Ido's wiktionary is not based on six main languages (actually on five, because Ido by definition ignores Slavic languages - Russian is only used as an alibi), but only on English, which is the basis for creating word formation for subsequent languages. This is due to the decisions of the administrators of these projects.
Well, what's wrong with that? The assumption that the world speaks English, even if it were true to a large percentage, would still indicate this language mainly as a second language. So Ido would be a third language and its existence would only make sense with English. But how is this language auxiliary? After all, English does well without intermediaries.
I believe that forcibly cutting yourself off from Esperanto in favor of getting too close to English is a serious mistake that questions the existence of Ido in a broader form. By the way, it is symptomatic that this forum is in English.
Best regards, samideani!

Hi all,
I am looking at getting more into credit cards to build up points to pay for travel. I have a good amount of my regular spend categories covered with 2-3x points but always think I could do more. Also wanting to get some cards with bigger sign on bonus to really start racking up points.
I fly 3-4 times a year, on delta mostly. But I am moving and the closest airport will no longer be a delta hub. When I do travel I mostly stay at Airbnb’s and get rental cars or Turos, would like to build up points to stay at hotels from time to time.
Let me know your suggestions!
Current credit cards you are the primary account holder of: - Wells Fargo Autograph, $5.3k limit, June 2015 - Amex Delta platinum, $28k limit, June 2021 - Bilt Mastercard, $6.5k limit, Feb. 2024 - Amex Blue Business plus, $14k limit, April 2024 - Also a BCU Cash Rewards card that is not used anymore $9k limit, June 2020 * * FICO Scores with source: - Fico score 780 * * Oldest credit card account age with you as primary name on the account: - Wells Fargo autograph from 2015

• * Number of personal credit cards approved for in the past 6 months:
• 1
• * Number of personal credit cards approved for in the past 12 months:
• 1
• * Number of personal credit cards approved for in the past 24 months:
• 1
• * Annual income $: $120k CATEGORIES
• * OK with category-specific cards?:
• Yes
• * OK with rotating category cards?:
• would prefer having categories that stay consistent
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: $350
  • * Groceries $: $400 at Trader Joe’s and around $250 at Costco
  • * Gas $: $80, Work mostly from home so barely need to fill up.
  • * Travel $: Will spend about $3k a year on travel, mainly to beaches or on ski trips in the winter as well as flights back home for holidays.
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): $30 for gym, I make the large insurance payments with my BBP, phone and internet is paid with my WF autograph that gets 3x.
  • * Any other significant, regular credit card spend you didn't include above?: $1,500 for things like golf/skiing/other recreational activities
  • * Can you pay rent by credit card? - I pay about $2,200 for rent that I pay with my Bilt card which gives me no fees. The fee for using a normal credit card is only 1.95%, so I have thought about using my BBP instead to get more points at basically no cost. MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)
• Currently a member of Costco and Sam's Club
• For subscriptions I am only paying $12/month for Apple Music
• I Currently bank with Sofi but used to bank with WF
• Not in the military
• I would prefer personal cards but I already have a business card and wouldn’t completely shut down the idea.

PURPOSE * Purpose of this next card is mainly getting Travel rewards points for other portals outside of the delta points that I have an lot of. I also want to get the best points per dollar spent on my regular purchases. I prefer to fly Delta (hence the platinum delta amex) but also need a card that gives me more airline options.

• I’ve been looking at the chase sapphire for the 85k in branch sign on bonus. Also the citi custom cash for the 5x back on one category that would probably be for groceries.
  
• I don’t think I NEED a new high end travel card as I already pay $350 for my delta platinum that gives me TSA precheck and other perks, but if one could get positive value I would consider.
  

tldr; Wall Street banks including JPMorgan, Citi, U.S. Bank, and Wells Fargo are collaborating with Visa, Mastercard, and Swift to test a system for the common settlement of tokenized assets using shared-ledger technology. This initiative, known as the regulated settlement network, aims to leverage blockchain technology for asset tokenization, which Citi analysts predict could grow into a $5 trillion market by 2030. The project represents a significant step towards mass institutional adoption of blockchain and cryptocurrency technologies.
*This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
https://www.reddit.com/ethtradecomments/1cruo6j/visa_mastercard_jpmorgan_and_citi_reveal_crypto/

[I shared this in girls and gays but wanted to share here as well for those of you not in that sub]
With Kendrick Lamar and Drake’s rap feud raging over the last month, I got curious about what their natal charts say about each of them as rappers, and how the astrological synastry between the two has fueled this chart-topping fight. Luckily we have an accurate birth time for both Drake and Kendrick, so we can see exactly how their charts overlap.
Here’s Drake’s chart:
And here’s Kendrick’s chart:
Inconjunct Suns
Kendrick has a Gemini sun, like many of hip hop’s greatest rappers, including Notorious B.I.G., Tupac, Lauryn Hill and Outkast’s Andre 3000. Geminis are well-suited to rap as the wordsmiths of the zodiac, one of the two signs ruled by Mercury, the planet of communication. Virgo, the other sign ruled by Mercury, expresses the analytical, practical, pragmatic side of the mind, the so-called “left brain” which sorts the wheat from the chaff (and, fittingly, Virgo season aligns with the harvest season of late summer).
Gemini expresses the more playful, self-expressive, hyper-curious “right brain” side of the mind - the monkey mind that swings from branch to branch, seeing connections as it goes. “Curious to a fault, Geminis have a finger in every pie. Solar Geminis are flexible and changeable people. Usually quite clever and witty, Geminis enjoy intellectual conversations and they are easily bored if they are not getting enough mental stimulation.”
Drake is a Scorpio sun, bringing a very different energy to the table. Scorpios seek power above all, and they live life intensely. If Gemini is the court jester, taking life lightly and poking fun at it all, Scorpio is the dark knight plotting and positioning himself for a coup. As one of the two signs ruled by Mars, the planet of war and competition, Scorpios don’t back down from competition, and as a fixed modality sign, they can struggle to let go–even of what hurts them. Scorpios are drawn to the darker sides of life - they know that secrets hold power, so they tend toward privacy, as shown in Drake’s last rap beef, when Pusha T revealed that he had secretly fathered a son with a porn star.
Gemini and Scorpio have a tricky inter-dynamic, with an aspect between them known as a quincunx, or an inconjunct. Quincunxes occur when planets are 150 degrees apart, and therefore share neither an element (water, fire, earth, or air) nor a modality (cardinal, fixed, or mutable). They are at odds in a very fundamental way, and though they can teach each other a lot, in order to get along they will have to make some serious adjustments.
“When these signs get together, they just can’t understand each other. They have almost nothing in common, so it’s hard to find common ground. When a quincunx shows up in a synastry or relationship reading, this can make for a tense or difficult relationship.” This natural repelling dynamic is expressed in Kendrick’s diss song Euphoria (“I hate the way that you walk, the way that you talk/I hate the way that you dress/I hate the way you sneak diss, if I catch flight, it's gon' be direct”).
Drake’s ascendant is placed at 29 degrees Leo, exactly conjunct the royal fixed star Regulus. Regulus is one of the luckiest stars in the zodiac, and it is often seen in the charts of celebrities. “On the Ascendant, it will give a courageous and frank character. A splendid and illustrious life; glorious, mighty and commanding nature; fame, busy with many activities, bountiful resources, well known or feared in cities and regions.” But with Regulus on the ascendant, expanding the already narcissistic tendencies of Leo, there is a risk for an over-expansion of the ego and a lack of humility. Drake wants to be the best by all accounts - not just the biggest commercial superstar, which he is, but also the most critically acclaimed rapper, like Pulitzer Prize-winning Kendrick.
Mercury and Mars vs. Mercury and Venus
When it comes to analyzing writers of any sort, I like to look at their Mercuries, and here we see a fascinating contrast. Kendrick’s Mercury is located in intuitive, emotional Cancer (just like Lana del Rey, who I analyzed last week), and it is conjoined with Mars, the planet of war, which is what makes him such a formidable opponent in a rap battle. “Mercury conjunct Mars natal gives a quick mind, rapid reflexes, and a sharp tongue. These attributes are ideal for making quick decisions in the heat of the moment while others hesitate. Excellent debating skills allow you to stand up not only for yourself but for the rights of others. Your enthusiastic, direct and courageous way of expressing yourself can win admiration in politics, business, and the military.”
I think Mercury in combination with Mars is the ideal aspect for the competitive sport of rap, and interestingly enough, Tupac Shakur and Notorious B.I.G., who famously feuded and are considered by many to be the all-time greatest rappers, both had these planets tightly combined (Tupac had Mercury trine Mars with a 1 degree orb, and Biggie had Mercury septile Mars with a 0 degree orb).
Drake, by contrast, has his Mercury conjoined with Mars’ planetary opposite, Venus. Mercury conjoined with creative Venus is a great aspect for a musician, but it lacks the teeth of competitive Mars. “Mercury conjunct Venus natal makes you a lovable, handsome, neat, refined, romantic, and courteous person. You may tend to be passive and submissive, but this is a means by which you achieve peace in your life. You can lovingly communicate things; a melodic, poetic, and relaxing voice often helps this. Mercury rules trade, and Venus rules money, so you could do well in business and enjoy buying and selling.”
Many of Drake’s biggest hits show this melodic Mercury-Venus aspect - like the no-rapping, all-singing “Hold On, We’re Going Home,” “Hotline Bling” and “One Dance,” or the purported feminist anthem “Nice for What.” Many think Drake is best as a pop star rather than a rapper, which Kendrick references in Euphoria (“I like Drake with the melodies, I don't like Drake when he act tough” “Keep makin' me dance, wavin' my hand and it won't be no threat”).
Mercury conjunct Venus should be a very positive aspect for Drake, and in many ways it is – as two of the planets that rule over money (Mercury the marketplace, and Venus the possessions), this aspect is part of why he’s had such incredible financial success. However, a few factors complicate it. For one thing, they are located together in Scorpio, ruled by Mars. His Mercury is expressed in a Venusian way, but it wants to be expressed in a Martian way. I think this is why Drake returns regularly to gangster rap despite his success in pop and R&B. He wants to be a Mercury-Mars rap powerhouse like Kendrick, Biggie, and Tupac, but he’s fundamentally different. From the beginning of his career he’s been taunted as soft, weak, feminine, privileged–all very Venusian adjectives.
Another complicating factor is that Drake’s Venus is doubly challenged - it is both in detriment in Scorpio, as well as retrograde. Venus is in detriment in Scorpio because it rules over Scorpio’s opposite, Taurus, and so the planet is not at ease in suspicious, jealous Scorpio. “Fears of being too vulnerable or of giving up their own power to others is strong. Scorpio is an “all or nothing” energy, and relationships tend to be somewhat of a rollercoaster ride as a result. Disdain for mediocrity and superficiality can compel them to create crises in order to feel alive and vital.”
Venus retrograde in the natal chart “suggests you have some difficulty in giving and receiving love and affection. You may experience sadness in love or have to endure hardship or delay. Natal Venus in retrograde can also show as excessive use of makeup and jewelry or even disfigurement from cosmetic surgery.” It’s interesting how some of the allegations against Drake in Kendrick’s songs have included a nose job and a Brazilian butt lift. After Drake told Metro Boomin to “shut up and make some drums” in his initial Kendrick diss Push Ups, the producer responded with “BBL Drizzy.”
Drake has never been married or had a public long-term relationship. His highest profile one with Rihanna was on-again, off-again, and at times seemed more like unrequited love than true commitment. When interviewed about the relationship, he said “As life takes shape and teaches you#Personal_life) your own lessons, I end up in this situation where I don't have the fairy tale [of] 'Drake started a family with Rihanna, [it's] so perfect.' It looks so good on paper [and] I wanted it too at one time.” Two years ago Drake had jeweler Alex Moss create a necklace worth $12.5 million dollars built from dozens of engagement rings he had made but never used: ““New piece titled ‘Previous Engagements’ for all the times he thought about it but never did it,” Moss wrote over a video showcasing the stunning necklace, which is made up of “42 engagement rings” totaling “351.38 carats in diamonds.”” It’s quite the testament to a challenged natal Venus.
Lilith Synastry
Here is Drake and Kendrick’s synastry (Drake is on the outer circle):
The most interesting thing I found digging into Drake and Kendrick’s charts was the presence of Lilith in their synastry. Lilith is an asteroid associated with the “angry woman” figure as well as female liberation. In some Jewish folklore Lilith was the first wife of Adam, but she was banished from the Garden of Eden for not obeying him and replaced with Eve.
“In the intricacies of a birth chart, Black Moon Lilith symbolizes the raw essence of femininity, the primal urges, and the suppressed parts of our psyche that lie in the shadows. This point, not a planet but a mathematical point, reveals where one might feel estranged, challenged, or empowered to go against the grain of societal norms. It unveils deep-seated desires, innate instincts, and perhaps the areas where one feels the need to challenge established roles or expectations. It's a place of power, mystique, and, occasionally, friction – pinpointing where one's true nature might clash with the conventional, leading to feelings of marginalization or rebellion.”
The allegations Drake and Kendrick threw at each other both had to do with mistreatment of women - Drake said that Kendrick abused his fiancée, and Kendrick said Drake was a pedophile who shouldn’t be trusted around young women.
Both Drake and Kendrick’s Liliths make tight aspects with the other’s chart. “Whenever Lilith is around, you can expect to feel a wild, intense, deep, and sometimes obsessive energy. If you have Lilith aspects in synastry then this energy will show up in your relationship. Whenever your Lilith touches one of your partner’s planets or vice-versa, you can expect to see your deepest fears revealed. You might also see glimpses of things you desire but can’t have. Ultimately, Lilith aspects in synastry give both partners a chance to work on their shadow sides.”
Kendrick’s sun exactly conjoins Drake’s Lilith at 26 degrees Gemini. “Often, the sun person [Kendrick] represents all that the Lilith person [Drake] wants but can never quite “catch.” There is an illusive vibe to this relationship. The Lilith person may feel somewhat less-than or “bad.” Lilith conjunct sun in synastry is a test for the Lilith person because their most taboo qualities such as obsession and anger will be activated, but it’s also a test for the sun person. The lesson is for the sun individual to stand their ground and follow their inner voice. Lilith is neither good nor bad, and the sun person can share in some of the Lilith partner’s activities without merging.”
This resonates with the fact that despite Drake’s huge commercial success, he is deeply jealous of Kendrick’s critical success. In Family Matters Drake took a jab at Kendrick’s acclaim (“Kendrick just opened his mouth, someone go hand him a Grammy right now”), and the beef between them played out similarly, with many rap fans deciding that Kendrick won before even listening to Drake. I think it’s obvious that Kendrick is a stronger rapper, but it’s also clear that Drake wasn’t given a fair shake.
Drake’s Lilith makes a tight trine to Kendrick’s Mercury. “Both the Lilith person and the Mercury person help each other to bring unhealed deeper wounds and unconscious emotion to the surface and articulate deeper, wild instincts. Mercury person [Kendrick] helps Lilith person [Drake] make sense of their inner restlessness and insecurities, sexual passions and unresolved rage. Mercury person may find Lilith person to be highly emotional but is also intrigued by Lilith person’s edgy and unique perspective.” It’s remarkable that both of their Liliths are interlocked with each other’s inner planets, creating a push-pull, love-hate, shadow-enlightening dynamic between the two.
I think the obsession goes both ways, and that part of the reason Kendrick fought back so viciously was because Drake triggers something in him shown through the Lilith synastry. Drake shows Kendrick what he could be–a charismatic playboy enjoying his fame and money to the fullest. And in engaging with the feud he stooped to a lower level, making unsupported claims about Drake’s supposed secret daughter, and writing a rap song (Meet the Grahams) addressed to Drake’s 5 year old son opening with “Dear Adonis, I’m sorry that man is your father.” All is fair in rap battles–or is it? Questlove called it out, saying on Instagram: “Nobody won the war. This wasn’t about skill. This was a wrestling match level mudslinging and takedown by any means necessary — women & children (& actual facts) be damned.”
Kendrick’s latest diss track Not Like Us has just debuted at number one on the Billboard Top 100, and it’s clear this battle has propelled him to another level of stardom. Drake’s Regulus ascendant arrogance and Scorpionic desire to fight to the death drove him to attack the strongest living rapper, and now he’s dealing with the fallout. Kendrick’s streams of his back catalog are up 50%, while Drake’s are down 5% and his reputation has taken a massive knock. But Kendrick has taken a hit as well. Having rap’s two biggest stars accusing each other of heinous crimes might drive up streams in the short run, but it’s a dangerous game. Astrology helps us understand why these two polar opposites are so intertwined, and why their mutual dislike has spurred on such a captivating firestorm.