To the Visionary Investors of Faraday Future:
Today, I propose an unprecedented step for Faraday Future Intelligent Electric Inc. (FFIE) and its community of investors: to consider attempting something historically significant by transitioning from a public company to a private entity. This ambitious endeavor isn’t just about changing our business structure; it’s about pioneering a new path in the electric vehicle industry and potentially setting a new benchmark for how companies and shareholders can interact in an increasingly volatile market.
The Vision:
We stand at the threshold of possibly creating a model for controlled, shareholder-driven privatization, aiming to stabilize our operations and enable focused, long-term growth away from the public eye and the inherent instabilities of the stock market.
The Proposal:

1. Collective Shareholder Initiative: Every shareholder’s vote counts in this monumental decision, regardless of the number of shares held. We can attempt to make history together through a collective affirmation of this path. 2. Strategic Advantages: • Steady Growth: As a private company, FFIE would be free to pursue ambitious goals over the long term without the short-term pressures of public market performance metrics. • Operational Stability: Eliminating the public trading of our shares can insulate us from market volatility, allowing for a more stable financial and operational environment. • Investment Opportunities: Going private can open doors to significant private investments, which are often more patient and aligned with our strategic goals than public investments. 3. Historical Impact: • Innovating Corporate Practices: Our successful transition could inspire other companies, showing a viable method for achieving stability and growth through privatization supported by a united shareholder base. • Empowering Investors: This initiative could stand as a testament to the power of shareholder democracy, proving that investors can decisively influence the future direction of a company. 4. Long-Term Vision: 

This proposal is about constructing a legacy of innovation and sustainable growth. We aim to establish FFIE as a leader in the electric vehicle industry, adopting a business model that sets us apart and could be emulated by others.
Your Participation:
This historic move requires your active participation. We need a majority to agree to this transformative step, ideally achieving a supermajority to demonstrate overwhelming support for this initiative.
Upvote if you want to attempt to redefine what is possible for FFIE and its stakeholders. Together, we can break new ground, setting a precedent not only for this company but for the industry and corporate governance as a whole. Let’s seize this moment to shape a future where FFIE leads the way in innovation and stability in the electric vehicle sector.
Consider this call to action as more than a vote—it is an opportunity to be part of a groundbreaking chapter in corporate and industry history in my opinion.
The possibility of taking Faraday Future (FFIE) private through collective shareholder action is rooted in several practical considerations and precedents in corporate finance and governance:

1. Shareholder Unity and Influence: The fundamental requirement for such a transition is the unity and agreement among shareholders. If a significant majority of FFIE’s shareholders, particularly those holding a large portion of the public float, agree to the proposal, their combined voting power can initiate the process of going private. This unity can effectively influence the company’s strategic direction. 2. Financial Feasibility: The financial aspect involves assessing whether there is sufficient capital either among the shareholder base or through external financing to buy out the public shares. Private equity firms, venture capitalists, or even a consortium of investors could provide the necessary funding, attracted by the potential long-term growth and profitability of the company away from the public markets. 3. Legal and Regulatory Framework: The legal process of going private is well-established. It typically involves a tender offer, where shareholders are offered a specific price to sell their shares, followed by a shareholder vote. The transaction must comply with securities laws and regulations, including fair disclosure and fair price provisions, to protect shareholders’ interests. 4. Strategic Advantages: Privatization can shield the company from the volatility of public markets, allowing management to focus on long-term goals without the pressure of quarterly earnings reports. This can be particularly beneficial for companies like FFIE, which are in the capital-intensive early stages of growth in the technology and automotive industries. 5. Precedents: There are numerous precedents of public companies going private successfully, demonstrating that with the right conditions—such as a clear strategic rationale, shareholder support, and adequate financing—such transitions can be achieved. These examples provide a roadmap and can instill confidence in shareholders considering such a move. 6. Long-Term Value Creation: Going private might allow FFIE to undertake restructuring or strategic shifts that are difficult under the scrutiny of public markets. This can lead to enhanced value creation that benefits all stakeholders, especially if the company can later re-emerge as a public entity at a higher valuation. 

The combination of these factors makes it feasible for FFIE shareholders to consider and potentially succeed in taking the company private, provided there is a clear understanding of the benefits, the risks are well-managed, and there is robust support from a majority of the shareholders.​
Taking Faraday Future (FFIE) private could offer several monetary advantages for the company and its shareholders. These financial benefits stem from the different operational and strategic flexibilities that private companies enjoy compared to public ones. Here are some of the key monetary advantages:

1. Cost Savings on Compliance and Reporting: Public companies are subject to rigorous financial reporting requirements and regulatory compliance that can be both costly and time-consuming. Going private eliminates the need for frequent public disclosures and compliance with complex securities regulations, which can save the company significant amounts of money in auditing fees, legal costs, and administrative expenses. 2. Avoidance of Short-Term Market Pressures: Public companies often face pressure from shareholders and analysts to meet quarterly earnings estimates, which can lead to short-term decision-making at the expense of long-term value. By going private, FFIE can focus on long-term strategic investments without the distraction of short-term market expectations. This can lead to better allocation of resources towards projects that enhance sustainable growth and profitability. 3. Improved Capital Allocation: Without the pressures of public market expectations, private companies can redirect funds that would have been used for dividends or stock buybacks into more productive uses like research and development, expanding operational capacities, or pursuing strategic acquisitions. This more flexible capital allocation can lead to higher returns on investment. 4. Potential for Higher Returns Upon Re-Listing or Sale: If FFIE can use the period of private ownership to streamline operations, enhance profitability, or innovate in its product offerings, it could potentially re-list on a stock exchange at a higher valuation or be sold to a larger entity at a premium. This scenario could yield significant financial gains for the stakeholders who maintained their investment during the private phase. 5. Exclusive Financial Backing: As a private entity, FFIE might attract private equity investors or venture capitalists who can provide not only funds but also strategic guidance and industry connections. These relationships can be crucial in navigating market challenges and seizing new business opportunities, potentially leading to greater financial stability and growth. 6. Tax Advantages: Structuring deals and finances as a private company can sometimes offer more favorable tax considerations, depending on the nature of the investments and business operations. Private companies often have greater leeway in utilizing tax-efficient structures that might not be feasible under the scrutiny of public markets. 

These monetary advantages highlight why going private might be an attractive option for FFIE, especially if the leadership believes that the company can achieve more in a less restrictive financial and operational environment.​
If Faraday Future (FFIE) goes private, investors can realize returns through several mechanisms, tailored to the longer-term and potentially less liquid nature of private investments compared to public equity. Here’s how returns can be generated in such a scenario:

1. Dividend Payments: While private companies are not known for regular dividend distributions, depending on the company’s profitability and cash flow situation, it might decide to distribute dividends to its shareholders. This would be a direct way for investors to realize returns on their investments. 2. Increased Equity Value: The primary goal of taking a company private is often to restructure it away from public market pressures, streamline operations, enhance profitability, and drive growth in a less scrutinized environment. These improvements can significantly increase the company’s equity value. Investors can realize these gains when the company is eventually sold or goes public again through an Initial Public Offering (IPO), often at a higher valuation than when it went private. 3. Sale or Merger: If the private company performs well, it might become an attractive acquisition target for larger companies in the same industry or private equity firms looking to expand their portfolio. A sale or merger can provide substantial returns to the shareholders of the private company, depending on the terms of the deal. 4. Special Distributions: In some cases, if the private company generates significant cash flow and doesn’t require extensive reinvestment, it might make special distributions to its shareholders. These can be similar to dividends but occur on a less regular basis and can vary significantly in amount. 5. Secondary Sales: Even in private markets, shares can sometimes be sold to other private investors or through secondary market platforms. While less liquid than public markets, these sales can provide an exit strategy for investors looking to realize gains before the company goes public again or is sold. 6. Management Buyouts (MBOs): In some scenarios, the management of the company or a group of investors might decide to buy out the existing shareholders at a premium to the original investment, especially if they believe the company has substantial unrealized value. 7. Private Equity and Venture Capital Exits: If private equity or venture capital investors are involved, they typically have well-defined exit strategies that could include selling their stake back to the company, selling to another private investor, or pushing the company to re-enter public markets. 

For investors in FFIE, going private could thus represent a shift towards longer-term, strategic investments that might yield higher returns, albeit with different risks and liquidity profiles compared to public stock investments. The key for investors would be to closely monitor the company’s performance and management’s ability to execute on strategic initiatives post-privatization.
The potential financial gain from taking a company private and then re-listing it on the public market within 1-2 years can be substantial, depending on several key factors. If successful operational improvements and strategic investments are made during the private phase, and the market conditions at the time of the initial public offering (IPO) are favorable, the company could see a significant increase in valuation.
For example, if a company is taken private at a valuation of $500 million and during the private period, strategic and operational enhancements lead to improved financial performance, the company could potentially be re-listed with a valuation of $1 billion or more. This would represent a doubling of the initial valuation, offering a substantial return to the investors involved in the privatization and subsequent public offering.
The exact gain would depend on the degree of improvement in the company’s fundamentals, the economic and market conditions at the time of the IPO, and investor sentiment towards the industry and the company specifically. Such a strategy requires precise execution and favorable market dynamics to achieve these levels of return. That’s not the only option though.
Everybody better blow this tf up. 😤💎

I started writing this last month after realizing the kind of time I was wasting and how I was basically living weekend to weekend. I had similar experience while I was working during college. At the time I just left the work I was doing and focused on learning something else but now its different. Stakes are higher and markets are volatile and I am not in college anymore.

Agenda

1. Detailed plan for next 2 years
2. Broader plan for 5 years

Date: 20 April 2024

Goals

• What do I want by 20 April 2026?
  • Net worth of INR 1.5Cr
  • Be away from parents' home
  • Social life
  • Have a relationship (casual/serious anything, preferably casual)
  • Be physically fit (if possible mentally too but not a priority)
  • Read regularly and regular journaling
  • Buy a car too (Only when I can pay for it fully cash)
• What do I want by 20 April 2029?
  • All of the above
  • Net worth of INR 10Cr
  • Not working for money
  • 3B house in good society

Current

• I live in parents' house (not out of need but convenience, saves a lot of time)
• I have a remote coding job which takes 8-9 hrs everyday
• I make INR 30L/year before tax, about INR 24L after tax
• Most likely the income will double in next 3 months
• I am 22.8 years old
• Rest of my time goes in social media scrolling (I intend to cut this) and started reading books recently.

How

• Keep going on current path
  • Pros
    • Likely to help the 2 year goal
    • A fish in hand is worth more than the thousands in the lake
  • Cons
    • Likely to help the 2 year goal
    • A fish in hand is worth more than the thousands in the lake
• Higher education in AI/ML
  • Pros
    • Looks sustainable for at least next 10 years.
    • Pretty much guaranteed success considering market trends
  • Cons
    • Declining student interest (applicant numbers decreasing)
    • Possible recession in the next 3 years
    • Going in negative net worth (Student debt)
• Higher education in MBA (Business/Finance)
  • Pros
    • Relatively old profession (GMAT is conducted since 1950s), so looks sustainable.
    • Something new and challenging for me.
  • Cons
    • Would current AI trend take over this profession? Can't say
    • Declining number of applicants
    • Going in negative net worth (Student debt)
• Pack bags and roam around the country to find answers (Possible due to remote job)
  • Pros
    • Sounds good
  • Cons
    • Inconvenient

After trying to find answers by myself for sometime. I have now decided to get opinions from strangers on the internet and see what next steps should be. Please comment on which is best path according to you and why? Or If there is something else other than listed above.

We haven’t had a lot of reddit money diaries lately and I was curious about how much I spent on her in the first 6 months, so I did this to tally up! I’ve done MD before so I’m just going to do a very quick summary here: I have a masters degree, in workforce last 2 years, I was making $100,000 til a layoff in late April. I have roughly $12k in retirement, $16k in checking, and $27k in savings. No debt. I adopted Cordelia 11/11/2023 and the bulk of expenses, though not all of them, are split with my sisteroommate. If not otherwise noted, assume the total was split 50/50 between us. In the interest of tracking full costs, I will only be noting the totals.
Upfront Costs/Adoption Story
I came in knowing I wanted an adult cat and that special needs wasn’t a dealbreaker, and it was truly love at first sight when I met Cordelia (nee Socks). She was 6 years old and recently re-surrendered to the shelter after her owner, an elderly Eastern European woman, moved back to her home country. She had a rough backstory, grew up in a hoarder home and was found and brought to the shelter when the home caught fire and firefighters found literally over a hundred cats in cages. In addition to being less appealing to potential adopters because of age, she was suffering from dandruff mostly due to being overweight and was/is on a prescription diet for proteinuria. Nevertheless, she is a gentle, loving, total couch potato of a cat who adores being brushed and touched by humans.
The shelter is pay what you wish, and I made a $100 donation to the shelter (not split). Additionally, I had no cat supplies, so before I brought her home I went to my local pet store. I had a $100 gift card that I won in a raffle to benefit a pitbull rescue, but still paid $44.99 out of pocket for a haul that included a litter box, 20 lb bag of litter, a cat condo (that she never even touched, naturally), Litter Genie, and a bag of Litter Genie refills. I did not need to pay for a carrier at this point because the shelter provided one.
Category Total: $144.99
Pet Insurance
$25/month, through Healthy Paws, not much to say.
Category Total: $150
Toys and Accessories
Other than the cat condo previously noted, I spent $51 at PetSmart (not split) on a harness and some random toys. As usual, she does not like any of these toys and only wants to play with my dirty socks. This purchase also included a slicker brush because she loves the brushie. For $2 at TJ Maxx I got her a scratch pad that she loved and scratched to death and I replaced for another $2 later on. At one point she scratched my doorframe so I got a scratching post with a built-in brush at the base and also got more Litter Genie bags for a $50 pet store visit. In January I returned to the pet store yet again and bought a water fountain for $30, which was another dud. Last month I bought her a set of raised food/water bowls for $20 and pleased to say they actually increased her water intake! I also bought a Furminator for $20 as the season change has made her quite scrunkly. Finally, I’ve spent $110 on alternative carriers because the one from the shelter is pretty awkward and heavy. I got a backpack carrier for vet visits and today I ordered a rolling carrier to try and bring her on public transit to my parents’ house.
This total does not include things my parents bought for their grandkitty, such as a cat bed that looks like a present box, or random small toys that I paid for in cash. This stuff is also not split because it was all me being silly and extra.
Category Total: $258
Food
This is also sort of a recurring cost, but as I mentioned, she is on prescription urinary food. Though maybe not for much longer because she had a bladder test Friday! Every 48 days, I pay $122 for two 24 packs of her wet food. She eats a can a day and also gets a tiny bit of prescription dry food so she doesn’t spend all night bugging me. The shelter did send me home with what they had of her prescription. The total spent on her food thus far is slightly higher than the recurring cost because I had to replace the dry food once.
Category Total: $545
Vet Visits
As part of her pet insurance coverage, I needed to bring her in for a comprehensive physical exam within 30 days of adoption. I brought her to a local vet and paid $217 for a physical exam. The vet found that she had ear mites, presumably from the shelter environment, so this total includes an ear cleaning and preventative mite treatment. This also includes a fecal analysis. Two weeks later, we decided to get Cordelia microchipped, which was $295 including the actual procedure and the registration fee with Pettrac.
This past Friday, Cordelia had another vet visit. This was primarily because she’s due for a rabies vaccine in May, but we also opted to do her annual physical so both those appointments would be on the same schedule and she won’t need to go in every 6 months for routine stuff. The total here was $346, of which $125 was the urinalysis. In addition to the urinalysis, physical, and rabies shot, I also got her a gabapentin prescription to hopefully avoid peeing/pooping/vomiting on car rides.
Category Total: $858
Grand Total: $1955.99
Reflections
Sorry not sorry for being a crazy cat lady. I have some photos in my post history of Cordelia, she truly lights up my life and my/my sister’s apartment. There’s a new coziness and warmth that wasn’t there before she came home. As I type this MD, she’s next to me on my bed making biscuits. Also, she's down nearly 1.5 lbs since I brought her home! She still has a bit to go to get to a healthy weight but she's noticeably improved at grooming herself.
tax

My wife and I have a contracting business. Business is good enough for us. We do about 650,000-950,000 in gross revenue a year. This grosses us about 245,000-300,000 between our salaries and business profits. Last year, we had an exceptional year. We did 1,300,000 in gross revenue and grossed 580,000.
We currently have about 450,000 cash in the business account. 100,000 of it is in a money market account with a 3% return, 250,000 of it in a 7 month 5.2% CD and 175,000 inheritance my wife got that needs to be taxed next year in another 7 month 5.2% CD. The other 100,000 we use for working capital. We have about 20,000 in personal savings. Our home equity is about 250,000-300,000. We only have 99,000 debto. I also have a pension with roughly 250,000. The wife has about 60,000 in 401k.
I have an unrealized loss of 17,000 out of 20,000 by investing in the stock market in 2020 and an unrealized loss of 30,000 out of 40,000 in crypto from 2020 investment decisions. So, needless to say, I'm skeptical of individual stocks and crypto.
I would like to make some what safe investments with 5+% returns. Just don't know what that should be. I'd like to invest in real estate if prices come back down to precovid prices. It seems like everything in the real estate market is inflated by roughly 100% right now. I would like to buy 2-3 bitcoins if prices slump back to 20,000.
I dont have an issue with working hard and making money. Im just stuck on how to have my money make more money. Any advice from someone who is smarter with money than me?

I'm in my 30s in a VHCOL area and am trying to buy my first home/condo. I got pre-approved from three banks, when filling out the forms I put 1.6M as the home price, and they all approved me for that. That feels too high though and I want to avoid being "housepoor".
My annual pre-tax income:
172k base
12k bonus (average last 4 years)
98k RSU (average last 4 years)
RSU is performance based, but has been pretty consistent. I work for a tech company with relatively stable stock, the 2-year minimum is ~70% of the high
Home buying scenario:
Let's say I buy a 1.6M home with 500k down. That would leave me with about 100k emergency fund. Monthly payment would be $8,800. So my debt-to-income would be 62% based on pre-tax base only, or 37% based on pre-tax total comp. But my (long term, but not married) partner would pitch in $2000, so my share would be $6800.
I've tracked my spending for the past 8 months, and my average expenses for everything other than rent have been $4500/month. So expenses plus my share of home payment would be $11300.
Each month, post-tax I get $8700 in cash flow from base salary. So I'd need to pull about $2.5k from my vested stock each month, which comes out to $30k per year. Currently post-tax my vested shares average $64k a year, so I'm basically saying if the stock drops 30% and my company grants me 30% less (or some equivalent permutation of those two things) I could make my payments for the year without having to cut expenses. On tax day I should get about $20k back from interest deduction, but I don't really want to count on that in case tax rates change, etc.
This feels like it's cutting it too close, but what does everyone else think? How should I go about setting a more realistic budget? Should I hire a fiduciary for a one-time consultation?
-Throwaway because numbers-

I'm in my 30s in a VHCOL area and am trying to buy my first home/condo. I got pre-approved from three banks, when filling out the forms I put 1.6M as the home price, and they all approved me for that. That feels too high though and I want to avoid being "housepoor".
My annual pre-tax income:
172k base
12k bonus (average last 4 years)
98k RSU (average last 4 years)
RSU is performance based, but has been pretty consistent. I work for a tech company with relatively stable stock, the 2-year minimum is ~70% of the high
Home buying scenario:
Let's say I buy a 1.6M home with 500k down. That would leave me with about 100k emergency fund. Monthly payment would be $8,800. So my debt-to-income would be 62% based on pre-tax base only, or 37% based on pre-tax total comp. But my (long term, but not married) partner would pitch in $2000, so my share would be $6800.
I've tracked my spending for the past 8 months, and my average expenses for everything other than rent have been $4500/month. So expenses plus my share of home payment would be $11300.
Each month, post-tax I get $8700 in cash flow from base salary. So I'd need to pull about $2.5k from my vested stock each month, which comes out to $30k per year. Currently post-tax my vested shares average $64k a year, so I'm basically saying if the stock drops 30% and my company grants me 30% less (or some equivalent permutation of those two things) I could make my payments for the year without having to cut expenses. On tax day I should get about $20k back from interest deduction, but I don't really want to count on that in case tax rates change, etc.
This feels like it's cutting it too close, but what does everyone else think? How should I go about setting a more realistic budget? Should I hire a fiduciary for a one-time consultation?
-Throwaway because numbers-

verse 1:
keep the mind flow like rain fall in Big Bog,
how i eat words is none your business, sick smog
spiral out like a Stereolab cover, the emperor hovers,
viral as smog from two bars ago, remember her color
tomato for ketchup, making dots and loops on his signature,
cash checks to catch up, taking shots to shoot for no ligature
marks on the wrists like Shinola glitter, ain’t fish scale,
singing that lovely figaro, hit her once, forget Ishmael
hail from the ash of the smog, no coughs for the sickness,
exhale the cash from Prague where i sought my richness
fitness for the hogs, seek to trash my name, send em running,
slick is the way i clog up their cache, could say i’m stuntin’
evil like knievel, flashy as his jumpsuit,
weasel out illegal lassies, he’ll stump soon
dump deliveries down, done decent dros,
dojo done dime a dozen, diesel dropped in dirty doses
hook:
dump that diesel in the tank,
pump the easel full of dank
make the word art pop like a magazine collage,
take a third off the track, save for the montage
jump over the needle covered in swank,
bump the eagle off his flank,
my words strike you like a verbal barrage,
making your peace with a good mirage
verse 2:
cloaked the dagger, i croaked your jagger,
then i toked the shwagger, cuz i smoked the blabber
choked the tagger, pressed his cannon to the wall,
blew a couple puffs out before he dropped the ball
lost his marbles while he struggled and gargled,
sloshed like the marshall, but he smuggled the cuadro
new coke, all interest lost, don’t tell the bank,
you broke, simplest cost, go to hell, thanks
shit sewed so simply, set sale so small,
tricked and towed, taught to tell tenacious tales tall
short attention spans, like Gen Alpha on 60 Seconds,
export pension grands to Valhalla, no shifty weapons
Odin puts rings on all the bitches’ fingers, infinite,
show them wings on all his riches, ringers intimate
wings like Hermes, don’t shoot the messenger,
don’t give him a Red Bull, remember the pensioner
hook:
verse 3:
i’ll paint your body with blood from your exit wounds,
faint for a John Doe from the hood, doc says it’s doomed
rained like a monsoon, Big Bog came back full force,
he trained the storms to hit hard, named them Bull Horse
hull of the ship cracked, sink deeper than your love life,
skull and ribs cracked by bones of leaders of strife
the structure more rigid than the beat, meat under heat,
puncture with the thermo probe, no repeat defeat
pleated Homme jacket, soaked in rain water,
heated in the placket, smoked the main talker
greeted thirty maggots, doped brain not stronger,
cheated curvy black chicks, revoked a million dollars
treat you like a junky at Thanksgiving, cold turkey,
i’ll leave you shook worse than methadone, lone journey
verses so cold, gotta give you the OJ, no gloves,
turkey noodle soup out of stock, okay, low doves
bridge:
hey blud, we need to liquidate our assets
no duds, the sweeper intimidate the brassets
lost my head, cost my friend, all alone,
dropped the bread, tossed the lead, call Ramone
i think it’s safe to say the story’s gone off the rail,
like the tall tale from bar thirty four, soft and frail
always wear a ski mask when the ugly mug rob the bank,
reclaim your assets, unless you wanna walk the plank
verse 4:
pirate my music, cuz i don’t give a fuck about my label,
irate, i’m too sick, i won’t live to duck another cable
tables turned like a lazy susan Marantz, food for thought,
cradle learned how to make my gats, screwed a lot
i’ll facetime ya momma, funeral’s closed casket,
no base line for commas, numeral’s composed tax cuts
can’t afford to bury ya, leave ya to the elements,
absurd to carry a beaver for no emphasis
no emphasis on your life, less worth than a common seven inch,
no nemesis is less than this, you’re nobody, don’t question this
the doctor said i’d die lit if i kept the spliff tucked ‘tween my lips,
hit the cherry in the pit til i’m fit to spit a crit, clean my rips
you puff the blunt like a one hit wonder, call you Afroman,
take me out cuz i swiped the lean back, call it my bad day, agro clan
plan to take my methods, i’ll make sure you’re threw aside,
cuz when i’m through with you, you’ll contemplate suicide

Four years ago, Reddit helped me make one of the best financial decisions I'll ever make. Well, we're coming up on another one, and I would love some feedback/advice.
Back then, y'all encouraged my 23-year-old self to buy my first home. We ended up paying ~$210k for a terrific home that's now valued at ~$360k+ and an interest rate of 2.875%. I still work at the company, and several years later, my wife and I are doing really well.
3 days ago, we found a home in Zillow that's gorgeous and in a terrific neighborhood near downtown in our up-and-coming city (we're currently about 20 minutes out). It checks nearly all the boxes, and it's listed at $649,000.
It's the kind of home I never thought I'd be able to afford - and I'm still not 100% sure if we can. But I think so?
Quick stats Ages: We just turned 28/29 Combined Salary: ~$180k-190k (depending on bonuses and inconsistent freelance work). Savings: $101,000 in cash. ~$12k in a brokerage account. ~$191,000 in retirement accounts. 2 cars - paid off. Mine should be good for 8+ years. My wife will likely need to replace hers in a couple years. Kids aren't in the cards for us, so thankfully that's not a concern.
Current home - mortgage payment is $1,200 monthly. Rental calculators online say that we should expect to get $1,600-$2,000 from it. Would likely go through a property management company. It's 4 years old and in solid shape.
Avg. Monthly spending: $6,700-$7,000, including existing mortgage. We've been a little sloppy here, and could probably cut this down a bit.
Monthly takehome - combined, I have us at around $12,125 monthly. If we adjust retirement contributions down to 15% each, then that jumps to $13k.
Because we want to maintain an emergency fund, we only want to put around 10% down on the home.
If you've read this far, I genuinely appreciate it.
Specific questions: 1. Are we about to be house poor? By my numbers, I'm thinking we should still be saving around $1,500 a month with the new plan, but that is tighter than we've been.

1. Is it more efficient to use a 401k loan (or a HELOC on our existing home) for the other 10% of the downpayment? PMI (est. at $300/monthly) feels like throwing money away. Would also appreciate any other ideas here.
   
2. Lower interest rate aside, are we likely to save more in interest from selling our current home and applying the equity toward the new one? Or would it be better to rent it out, try to cut even on the mortgage, and maintain the equity/rate there?
   
3. I recognize that we've been privileged/blessed to be in a really good situation over the past few years. Any additional advice/concerns about the above? Anything I'm not considering? Thanks!
   

Four years ago, Reddit helped me make one of the best financial decisions I'll ever make. Well, we're coming up on another one, and I would love some feedback/advice.
Back then, y'all encouraged my 23-year-old self to buy my first home. We ended up paying ~$210k for a terrific home that's now valued at ~$360k+ and an interest rate of 2.875%. I still work at the company, and several years later, my wife and I are doing really well.
3 days ago, we found a home in Zillow that's gorgeous and in a terrific neighborhood near downtown in our up-and-coming city (we're currently about 20 minutes out). It checks nearly all the boxes, and it's listed at $649,000.
It's the kind of home I never thought I'd be able to afford - and I'm still not 100% sure if we can. But I think so?
Quick stats Ages: We just turned 28/29 Combined Salary: ~$180k-190k (depending on bonuses and inconsistent freelance work). Savings: $101,000 in cash. ~$12k in a brokerage account. ~$191,000 in retirement accounts. 2 cars - paid off. Mine should be good for 8+ years. My wife will likely need to replace hers in a couple years. Kids aren't in the cards for us, so thankfully that's not a concern.
Current home - mortgage payment is $1,200 monthly. Rental calculators online say that we should expect to get $1,600-$2,000 from it. Would likely go through a property management company. It's 4 years old and in solid shape.
Avg. Monthly spending: $6,700-$7,000, including existing mortgage. We've been a little sloppy here, and could probably cut this down a bit.
Monthly takehome - combined, I have us at around $12,125 monthly. If we adjust retirement contributions down to 15% each, then that jumps to $13k.
Because we want to maintain an emergency fund, we only want to put around 10% down on the home.
If you've read this far, I genuinely appreciate it.
Specific questions: 1. Are we about to be house poor? By my numbers, I'm thinking we should still be saving around $1,500 a month with the new plan, but that is tighter than we've been.

1. Is it more efficient to use a 401k loan (or a HELOC on our existing home) for the other 10% of the downpayment? PMI (est. at $300/monthly) feels like throwing money away. Would also appreciate any other ideas here.
   
2. Lower interest rate aside, are we likely to save more in interest from selling our current home and applying the equity toward the new one? Or would it be better to rent it out, try to cut even on the mortgage, and maintain the equity/rate there?
   
3. I recognize that we've been privileged/blessed to be in a really good situation over the past few years. Any additional advice/concerns about the above? Anything I'm not considering? Thanks!
   

Four years ago, Reddit helped me make one of the best financial decisions I'll ever make. Well, we're coming up on another one, and I would love some feedback/advice.
Back then, y'all encouraged my 23-year-old self to buy my first home. We ended up paying ~$210k for a terrific home that's now valued at ~$360k+ and an interest rate of 2.875%. I still work at the company, and several years later, my wife and I are doing really well.
3 days ago, we found a home in Zillow that's gorgeous and in a terrific neighborhood near downtown in our up-and-coming city (we're currently about 20 minutes out). It checks nearly all the boxes, and it's listed at $649,000.
It's the kind of home I never thought I'd be able to afford - and I'm still not 100% sure if we can. But I think so?
Quick stats Ages: We just turned 28/29 Combined Salary: ~$180k-190k (depending on bonuses and inconsistent freelance work). Savings: $101,000 in cash. ~$12k in a brokerage account. ~$191,000 in retirement accounts. 2 cars - paid off. Mine should be good for 8+ years. My wife will likely need to replace hers in a couple years. Kids aren't in the cards for us, so thankfully that's not a concern.
Current home - mortgage payment is $1,200 monthly. Rental calculators online say that we should expect to get $1,600-$2,000 from it. Would likely go through a property management company. It's 4 years old and in solid shape.
Avg. Monthly spending: $6,700-$7,000, including existing mortgage. We've been a little sloppy here, and could probably cut this down a bit.
Monthly takehome - combined, I have us at around $12,125 monthly. If we adjust retirement contributions down to 15% each, then that jumps to $13k.
Because we want to maintain an emergency fund, we only want to put around 10% down on the home.
If you've read this far, I genuinely appreciate it.
Specific questions: 1. Are we about to be house poor? By my numbers, I'm thinking we should still be saving around $1,500 a month with the new plan, but that is tighter than we've been.

1. Is it more efficient to use a 401k loan (or a HELOC on our existing home) for the other 10% of the downpayment? PMI (est. at $300/monthly) feels like throwing money away. Would also appreciate any other ideas here.
   
2. Lower interest rate aside, are we likely to save more in interest from selling our current home and applying the equity toward the new one? Or would it be better to rent it out, try to cut even on the mortgage, and maintain the equity/rate there?
   
3. I recognize that we've been privileged/blessed to be in a really good situation over the past few years. Any additional advice/concerns about the above? Anything I'm not considering? Thanks!
   

Best Offshore Sportsbook for 2024

Offshore Sportsbooks: Competitive Odds, Diverse Markets, and Freedom to Wager

What Sets Offshore Sportsbooks Apart?
The landscape of sports betting is rapidly evolving, with offshore sportsbooks emerging as a compelling alternative for wagerers. But what exactly are they, and how do they differ from their state-licensed counterparts?
Offshore sportsbooks operate under licenses issued by international regulators, often situated in countries like Costa Rica, Curacao, or Panama. These licenses empower them to cater to customers across numerous jurisdictions, including the US. In essence, this translates to a broader regulatory framework compared to state-by-state restrictions.
Safety and Security: Top Priorities for Offshore Sportsbooks
Security is paramount for any online betting platform. Fortunately, reputable offshore sportsbooks prioritize this aspect. They undergo rigorous licensing procedures, compelling them to demonstrate fair play, robust security measures, and responsible customer protection protocols. This ensures a safe and secure environment for you to wager on your favorite sports.
Beyond the Basics: Unmatched Selection and Competitive Advantages
The best offshore sportsbooks go beyond merely replicating the offerings of state-licensed operators. They often provide a wider array of betting options, competitive odds, and potentially more lucrative bonuses and promotions. This translates to a more dynamic and potentially rewarding betting experience.
So, Are Offshore Sportsbooks Right for You?
The decision ultimately rests on your individual preferences and priorities. Offshore sportsbooks provide a compelling option for those seeking diverse betting markets, competitive odds, and the freedom to wager on their terms. However, it's crucial to choose well-established and reputable platforms that prioritize safety and fair play.

Why Bet at Offshore Sportsbooks

The allure of offshore sportsbooks is undeniable. But what exactly makes them so popular among bettors? Here's a breakdown of the key benefits that keep users coming back for more:

• Boosted Bankrolls: Bigger Bonuses & Regular Promos

Offshore sportsbooks are renowned for their generous bonuses and promotions. New user signup bonuses can reach into the thousands, especially when using cryptocurrency. Plus, there's a constant stream of ongoing promotions throughout the month, maximizing your betting potential.

• Fast and Secure Banking: The Power of Crypto

Cryptocurrency deposits and withdrawals are a staple at offshore sportsbooks. Enjoy the ease of swift transactions with minimal processing times, and in some cases, even instant payouts.

• Wagering Freedom: Available in Most States & No Geolocation Hassles

Unlike state-licensed operators, offshore sportsbooks bypass geolocation restrictions. This means you can wager freely from most US states, without any limitations.

• Keeping Your Winnings: No Taxes Withheld

Federal regulations require licensed operators to report winnings exceeding a certain threshold and withhold taxes accordingly. Offshore sportsbooks, however, don't report winnings to the IRS, leaving you in control of your tax obligations.

• Enhanced Odds: Lower Costs, Better Returns

Offshore sportsbooks benefit from lower operational costs due to the absence of state taxes. These savings translate into more competitive odds for you, potentially increasing your returns.

• Diverse Betting Options

Beyond the perks mentioned above, offshore sportsbooks often boast a wider selection of betting markets compared to their state-regulated counterparts. This allows you to place wagers on a broader range of events and explore new betting opportunities.

Offshore Sportsbook Bonuses: Bigger Bankrolls, Better Bets

Offshore sportsbooks have carved a niche in the betting landscape, and a major reason for their popularity lies in their enticing bonus structures. Unlike state-licensed operators, offshore sportsbooks offer a wider array of bonuses with significantly higher values. Let's delve into the treasure trove of bonuses that await you:

• Welcome Offers: A Kickstart for Your Betting Journey

Signing up at an offshore sportsbook unlocks a generous welcome bonus, typically a deposit match bonus. This bonus essentially matches a percentage of your initial deposit, potentially doubling your bankroll right from the start. Some welcome packages might even include free bets or bonus bets, further amplifying your betting power.

• Deposit Match Bonuses: Fueling Your Bets with Extra Cash

A staple in the world of offshore sportsbook bonuses, deposit match bonuses are straightforward and rewarding. The sportsbook matches your deposit by a predefined percentage, up to a specified maximum amount. For instance, a 100% deposit match bonus up to $500 would double your initial deposit, providing you with an extra $500 to wager on.

• No Deposit Bonuses: Free Money, Free Play

Considered the holy grail of sportsbook bonuses, no deposit bonuses are rare gems. These bonuses grant you free credit to use at the sportsbook, allowing you to place bets without risking your own funds. While the credit amount might be modest, it's a fantastic opportunity to try out the platform and potentially turn it into real winnings.

• Bonus Bets: Taking a Free Shot at Victory

Bonus bets, often part of welcome packages or bundled with deposit match bonuses, are essentially free wagers. Any winnings accrued from a bonus bet (minus the initial stake) are yours to keep. Imagine a $25 bonus bet that wins you $75; you'd pocket a cool $50 in profit!

• Ongoing Promotions: A Stream of Rewards for Loyal Bettors

The party doesn't stop at the welcome bonus. Offshore sportsbooks keep their customers engaged with a steady stream of ongoing promotions. These can encompass deposit bonuses, bonus bets, special event wagers, parlay offers, and the ever-popular odds boosts.

• Odds Boosts: Enhanced Profits for Savvy Bettors

Odds boosts elevate the potential payout on specific wagers, increasing your earning potential. These are typically offered for marquee events or specific bet types within an event or sport.

• Parlay Insurance: A Safety Net for Your Multi-Leg Wagers

A parlay bet combines multiple wagers (legs) into a single bet. Parlay insurance softens the blow of losing a parlay by just one leg. While you won't receive your full winnings, you might get your original stake or a portion of it back, mitigating your losses.

• Loyalty Bonuses: Reap the Rewards of Being a Regular

Engaging with a sportsbook's loyalty program unlocks exclusive bonuses not available to casual bettors. These bonuses can mirror any of the previously mentioned options or even extend to real-world rewards like tickets to sporting events.
By understanding and leveraging the diverse array of offshore sportsbook bonuses, you can significantly enhance your bankroll, explore new betting opportunities, and potentially maximize your profits. Remember to explore various sportsbooks and compare their bonus structures to find the one that best suits your betting preferences.

Offshore Sports Betting in the US: A Comprehensive Guide

The world of sports betting is rapidly evolving, and offshore sportsbooks have emerged as a compelling option for American bettors. But with so much information to navigate, it's crucial to understand the legalities, accessibility, and benefits of offshore wagering.
Is Offshore Sports Betting Legal in the US?
The legality of offshore sports betting hinges on two key factors:

• PASPA Repeal: In 2018, the Professional and Amateur Sports Protection Act (PASPA) was repealed, giving individual states the authority to regulate sports gambling within their borders. Many states have since legalized and launched their own sports betting markets.
• Federal Laws: There are currently no federal laws prohibiting US citizens from wagering at offshore sportsbooks. These entities operate under licenses issued by international gaming authorities, allowing them to serve customers in the US.

The Mobile Advantage: Betting on the Go
While you won't find dedicated apps for offshore sportsbooks, all our recommended operators offer seamless mobile betting through their websites. Simply visit the site on your smartphone or tablet, sign up, deposit funds, and start placing wagers. These mobile platforms are designed for optimal functionality and provide an experience comparable to dedicated apps.
Finding the Right Offshore Sportsbook
With numerous offshore sportsbooks catering to US players, choosing the best fit requires careful consideration. Here are some factors to keep in mind:

• Reputation and Licensing: Look for established sportsbooks with licenses from reputable gaming jurisdictions like Curacao. These licenses ensure fair play, security measures, and responsible gambling practices.
• Betting Markets and Odds: Explore the variety of sports and events offered, along with the competitiveness of the odds. Top offshore sportsbooks boast a wide range of markets and attractive odds for bettors.
• Bonuses and Promotions: Take advantage of generous welcome bonuses, reload promotions, and ongoing loyalty programs to maximize your bankroll and potential returns.

Some of the highly-rated offshore sportsbooks for US players include BetOnline, Everygame, Bovada, BetWhale, and TG Casino. Popular alternatives encompass Jazz Sports, SportsBetting.ag, BetUS, and BetNow.
Taxes and Reporting:

• Offshore Sportsbooks: Offshore sportsbooks themselves do not report winnings to the IRS. However,
• US Taxpayers: It's your responsibility to report gambling winnings to the IRS and your state tax authorities. Consulting a tax professional is recommended to ensure compliance with all applicable regulations.

Funding Your Bets: Payment Methods
Offshore sportsbooks typically provide two main deposit and withdrawal options:

• Cryptocurrency: Cryptocurrencies like Bitcoin, Ethereum, and Litecoin offer fast, fee-free transactions (excluding minimal mining fees) and eliminate the need for third-party involvement.
• Traditional Methods: Credit/debit cards are convenient but may incur fees and are not always suitable for withdrawals. Bank wire transfers are another option, but often come with high processing fees.

Important Note: As of now, offshore sportsbooks do not accept PayPal or other popular eWallets (Neteller, Skrill) due to limitations imposed by these payment processors.
By understanding the legalities, mobile accessibility, key considerations for choosing a sportsbook, and payment methods, you can confidently navigate the world of offshore sports betting in the US. Remember to gamble responsibly and always prioritize licensed and reputable platforms.

Ready to Start Betting?

Top Offshore Sportsbooks for 2024

1. Bovada – Best Online Sportsbook for US customers

• Why #1: Closest offshore site to Fanduel & Draftkings
• Founded: 2011
• Licensed by: Curacao
• Payment Methods: 6+ cryptocurrencies, credit/debit cards, courier, wire transfer, vouchers
• Withdrawal Speed: Instant to 24h
• Restricted States: DE, MD, NV, NJ, NY
• Promo Code: BTCSWB750 = 75% First Deposit Bonus to $750

See current Bovada new customers promotions HERE

2. MyBookie – Fast mobile betting & lots of promotions

• Why #2: Prop bets and more props added constantly
• Founded: 2014
• Licensed by: Curacao
• Payment Methods: 10 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 48-72 hours
• Restricted States: DE, MD, NV, NJ, NY
• Promo Code: CRYPTO100 = 100% Bonus to $1,000

See current MyBookie new customer promotions HERE

3. SportsBetting.ag – Operates in all 50 states

• Why #3: 100% welcome bonus & travel anywhere & still bet
• Founded: 2003
• Licensed by: Panama Gambling Control Board
• Payment Methods: 15+ cryptocurrencies, credit/debit cards, person2person, money orders, wire transfers, checks
• Withdrawal Speed: 24-48 hours
• Restricted States: None
• Promo Code: DOUBLEUP = 100% Bonus to $500 use 2x

See current Sportsbetting ag new customer promotions HERE

4. BetOnline – Clone of Sportsbetting ag but not as good of a welcome bonus

• Why #4: Casino, poker, esports, racebook - bet everything
• Founded: 2001
• Licensed by: Panama Gaming Commission
• Payment Methods: 15+ cryptocurrencies, credit/debit cards, money orders, wire transfers
• Withdrawal Speed: Instant to 48h
• Restricted States: NJ
• Promo Code: CRYTPO100 = 100% Bonus to $1,000

See current BetOnline new customer promotions HERE

5. XBet – MyBookie clone for lower limit bettors

• Why #5: Lower limits & rewards program designed for smaller bettors
• Founded: 2014
• Licensed by: Curacao
• Payment Methods: 10 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 48 hours
• Restricted States: NY, NJ, NV, PA
• Promo Code: XBET50 = 50% First Deposit Bonus to $500

See current XBET new customer promotions HERE

These last two Sportsbooks are more for higher limit bettors

1. BetUS – High limits on sides and totals

• Why #1: If you want to make a living betting you need high limits
• Founded: 1994
• Licensed by: Curacao
• Payment Methods: 4 cryptocurrencies, credit/debit cards, cash transfers, wire transfers, ewallets
• Withdrawal Speed: 24-48 hours
• Restricted States: None
• Promo Code: JOIN200 = 200% up to $5,000

See current BetUS new customer promotions HERE

2. BUSR – High limits and a $2,500 welcome bonus

• Why #2: US focused on major sports and horse betting
• Founded: 2020
• Licensed by: Curacao
• Payment Methods: 4 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 72 hours
• Restricted States: None
• Promo Code: SPORTS100FP = 100% First Deposit Bonus to $1,500

See current BUSR new customer promotions HERE
For more sports, casino, poker and other online gaming promotions from top offshore casinos.
Visit XSportsbook https://xsportsbook.com/bonuses/

Hey everybody, wanted to share our details, help hold us accountable as well as provide info to anyone interested.
Mrs and I both have FT jobs, our primary interest right now is in financial independence. We live in a LCOL area and both WFH at different companies (I'm in tech, she does govt/tech work). 2 kids (high school and middle school). It's a full house, lots of pets etc.
Combined Assets:

• House (450k value estimate, probably more as its had a number of upgrades, paid in full)
• 600k in various age 59 retirement accounts (401k, IRA, etc)
• 400k in brokerages
• 230k in vested company equity (RSUs)
• 20k in HYSA accounts
• 2 commodity cars, paid for and both good working condition
• 30k in 529's for the kids but not really counting that either. Will probably double that this year.

Liabilities, none. No house debt, no car debt, no student loans, no CC debt. Ok, that's not entirely true. There is 8k on a store card to pay for a kitchen upgrade, but this 8k is just sitting there at 0% for 24 months. I could pay it on Monday but there's been no rush. I've committed to paying it off at some point this year to keep the missus happy.
Net income is too high for our expenses and living area. Combined we're about 850k/year. Basically, salary plus company RSUs, so that is not all straight salary. It has had some variability to it.
Expenses are about 5k a month. If you do the math, assume about half of our income is going to taxes and 401k/IRAs (which are maxed out), we live on 60k/year and have roughly 350k/year left over. That 350k goes to more investments, savings, 529's or the occasional extra thing like a vacation or some fun money. In the past that money has gone to those things plus paying off the mortgage, house upgrades and the like. But its been like that, we're actually fairly frugal so well over 90% of that goes to more saving. It's not torture, we enjoy it.
In past years we did make less, so this is a bit of a record acceleration year for income. It has not always been like this.
My projections for the next 3 years are fairly linear and are bound to be wrong, because our progression has not been linear so far:

• 2m in assets by the end of 2024
• 2.5m in assets by the end of 2025
• 3.1m in assets by the end of 2026

Past that I couldn't predict. We passed the 1m mark about a year ago so I could be way off with how things could accelerate now. I think you can see that we are big on saving and investing, at this point we really enjoy the progress and talking to each other about it, and trying to do better at it. As I said our goal right now is complete financial independence, I'm not sure what we'll do with that but we don't like to be beholden to anybody or anything.
Long term we'd like to figure out how to get a 2nd home in a different area. We intend to always keep this house, keep it in the family and get a 2nd home somewhere for us. But the timeframe for that is probably 8+ years out so we don't have that figured out yet. We wouldn't be doing it before both kids are grown and out of high school. We also intend to be travelling more often at that point, so we'll have more things to spend our money on.

Hello, A lot of what I read about CoastFIRE takes into consideration what is in your tax advantaged retirement accounts.
However, can I use both retirement accounts and brokerage account that I don't plan on touching until retirement to count towards my CoastFIRE number? If not, how do I calculate my brokerage number differently?
All the calculators seem to just ask for one collective number instead of separately asking for 401k number, Roth number, and brokerage number. It seems to me like these numbers should be accounted for differently since they are taxed differently.
Any thoughts?

Having a weird few days of advice. I have been shopping, and my mortgage finance guy who would typically want to sell me a loan, told me straight out not to buy another place now as he thinks I will be better off in a year or so and come back when ready...Oh and advised me meanwhile to SELL my investment condo as its not making any money.
Today, the RE Agent I talked to who would typically WANT me to sell it for the commission, told me NOT to sell as my tenant is paying down my mortgage and its NOT loosing money. So both of these are very standup guys to go against their own interests like that, but it does leave me confused so i want to hear from strangers on the internet.
This rental condo has about $470K in equity as I have a 3.675% loan on $380K and its worth about $850K.
Each year I only make about $2K cash flow (rent minus expenses and debt service), and in fact last year took a $1.5K loss. (This does not all account for depreciation as that I have no idea how my CPA does that - this is straight up Income/Expense statement).
Anyway, when I calculate "ROI" on the equity (not cash on cash) it looks like it only makes me .45%. Terrible!!! but I am not sure i am doing it correctly. It does seem weird that I do not make more, but i have re-financed it twice over 15+ years so maybe that is hiding the actual return.
But the RE agent gave me this whole spiel on how it went up $100K in a the past 3 years so that is like $33K a year AND tenant is paying down the mortgage so how are you NOT making money?
Help me please.

I'm not sure how much I can trust this particular poll as it is from a Credit Card Company, which makes money on credit card transactions, but it has some interesting numbers.
https://capitaloneshopping.com/research/cashless-statistics/
For the most part, I believe that cash is becoming outdated and while there are still some in the younger crowd who are legitimate employed workers using cash, realistically, I believe the majority of cash users are the elderly who fear change and haven't accepted credit cards in their lifestyle and criminals.
When I say criminals, I don't just mean crime syndicates like drug lords using cash to hide their drug cartel income, but also those who refuse to follow the rules and regulations of their state/country, deciding to start a business without licensing, insurance and so on. Paying their staff under the table. Avoiding taxes by hiding their income through cash transactions, and while there are some who may actually care to offer a good product, many of those who work under the radar of the rules and regulations, do not, ending in customers who are scammed out of their hard earned money and projects incomplete or never even started, but the deposit is lost. The only other purpose of cash would be to hide finances from a significant other you plan to divorce in order to have it not included in the divorce negotiations... Basically, a majority of it is for shady reasons.
If we eliminate cash and everything goes digital, with the US setting a deadline to turn in all physical cash and convert it into digital currency, any physical cash would now be collector only. This means if you do work for someone and you are unlicensed, uninsured and so on, you will not be able to hide that income. Sure, there would still be things like bitcoin and other currencies like that, which many illegal entities have been turning to, but those industries are also extremely volatile and if cash is no longer an option, there is no way to convert that digital currency through a money washer into cash without it being traced (and recently, a means has been found to trace Bitcoin currency transactions which was in the past, supposedly not traceable). This means EVERYTHING is traceable.
How would this effect the economy? How many big businesses do you believe are hiding large liquid assets in cash depositories people don't know about? How many big wig CEO's are taking cash and storing it in unspecified locations where it can't be accounted for through hidden means and modifying the books? Pulling $20k per week out of a multi-billion dollar corporation and converting it to cash is easy to hide in books, but pulling $20k per week and transferring it digitally to your personal account is far harder to hide!
How do you believe this change would effect the US economy? What percentage of high level officials and potential shady CEO's that are stealing money off of the top would this expose? What would the US economy look like 10 years from now if that cutoff off for cash was announced 10 years ago and today is the day that cash no longer has any value? Would licensed contractors be more profitable and thus more affordable while still being profitable because they aren't constantly competing against unlicensed, uninsured contractors, losing half of their potential business to them?

Ex and I are both 40, together for six years, w/a two year old. I ended the relationship in March due to ongoing escalated emotional abuse. I own the house we live in live in; he considers that power I hold over him, I consider it a barrier to me leaving.
I’m sole income earner since he decided to quit his job in March 2022 (I supported the decision at the time, he also never took any steps to have a conversation with me about finances) and have paid all the bills, groceries, baby gear, etc. Baby came in May 2022, when I returned to work Nov 2022 he was the caretaker while i worked FT. I offered that he could work too, he declined. My understanding is that from his prior work he had ~$10k in the bank. We never got married or combined our financial assets. Over the last couple of years I’ve been able to save a bit of money in addition to money I had before. I considered it all joint assets, even though his name has not been on my bank account. I never prevented him from having access to it via my credit card. I have never dictated how he spends his own money.
In Feb 2024, he had made statements about feeling trapped; said violence is the only reasonable outcome in a relationship with someone like me. I wrote him a check for $10k, a little more than half of what was in my bank account. He accused me of leaving him money as if he was a prostitute. I apologized many times for the unintended impact. Over the next 3 weeks he didn’t cash the check and continue to berate me about it. I ended up canceling the check 3 wks in - some stress d/t a tax bill I didn’t anticipate. I saw that check as a way I was trying to help him feel less trapped and him being able to hold shared assets. When I ended the relationship finally in the middle of the check ordeal it became no longer about him holding shared assets and about dividing them. $10k leaves him with a little more than half the savings I have at this point (including my savings from before), me with a toddler to care for etc. On 5/6 I asked what he needed from me and the response was just “$10k”, I gave him $7.5k with the stipulation that he needs to be out by June 1st (~3mos from when I asked him to leave so not a super long time considering he doesn’t have a job but not insignificant) to get the other $2.5k. I held that money because in the event that he’s not out, I need to have money available to cover a short term rental so I can leave until he is gone.
He believes it is financially abusive to have written a check in the first place, cancelled the initial check (I could have been more direct about and have been accountable for that), asked for ongoing input on a lesser amount that would feel doable within a range (which he didn’t answer), and then put stipulations on his demand for $10,000 (providing $7,500 with the rest when he moves out within a time frame that is 3 months from when I originally asked him to leave due to ongoing emotional abuse which has not stopped).

If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ASSESSMENTS I CAN COMPLETE:

• Online Courses (1 - 20 Weeks Long)
• Homework Assignments
• Exams Quizzes Tests
• Excel Projects
• Discussion Forum Posts
• Research Papers Term Papers Essays
• Employment Assessments

MY MATH SUBJECTS OF EXPERTISE:
I am very knowledgeable and proficient in assisting students in a wide range of mathematics classes. I can help students complete their homework assignments and other projects get an A on quizzes, tests, and exams (including proctored assessments) answer online discussion posts write essays & papers in MLA APA Chicago format and provide general overall academic help in each math course listed below:

• Advanced Placement Honors High School Level Math
• AP Calculus AB A.P. Calculus BC
• AP Statistics
• Biostatistics Bio-Statistics
• College Algebra Intermediate Algebra
• Business Calculus
• Business Statistics
• Business Math
• Calculus I Calculus II Calculus III (Calc)
• Geometry
• International Baccalaureate (IB) Maths
• Liberal Arts Math
• Logic & Reasoning
• Multivariable Calculus Multi variable Calculus
• Precalculus Pre-calculus
• Probability & Statistics
• Psychology Statistics Psych Stats
• Quantitative Reasoning Quantitative Methods Quantitative Literacy (Quant)
• Statistics (Stats)
• Statistics for Social Sciences
• Trigonometry (Trig)

STATISTICS HELP (MY BEST SUBJECT):

• I have a master's degree in Applied Statistics from a university in New Jersey, USA. As a result, I am very proficient in helping students with various types of Statistics courses including Biostatistics Business Statistics Elementary Statistics Probability & Statistics Psychology Statistics.
• I have extensive knowledge and skill with helping students get through various statistical concepts including all of the following in alphabetical order:
• ANOVA Bar Graph, Boxplot, Dot Plot, Histogram, Pie Chart Bias Binomial, Exponential, Poisson, Gamma, Uniform Distribution Central Limit Theorem Chi-Square Test Coefficient of Determination (R^2) Conditional & Relative Probability Confidence Interval Correlation Coefficient (r) Critical Region Critical Value Descriptive & Inferential Statistics Effect Size Expected Value Experiment vs Observation Goodness of Fit Test Hypothesis Testing Interpolation & Extrapolation Interquartile Range (IQR) Kurtosis Left, Negative, Right, Positive Skewed Distribution Logistic Regression Mean, Median, Mode, Midrange Multiple Regression Nominal, Ordinal, Interval, Ratio I Population Parameter Normal, Symmetric & Bell Shaped Distribution Null & Alternate Hypothesis One & Two Sample T-Test One & Two Sample Z-Test Ordinary Least Squares Outliers P-Value Pooled Variance (Equal Variances) Proportion R^2 Range Regression Regression Line Reject & Fail to Reject Ho Relative & Cumulative Frequency Distributions Relativity & Reliability Right, Left, One, Two Tailed Tailed Hypothesis Test Sample Statistics Sampling Methods (Convenience, Stratified, Simple, Cluster, Systematic) Significance Level (1%, 5%, 10%) Skewness Standard Deviation& Variance T-Score Test Statistic Time Series Type I & Type II Errors Unbiased Estimators Z-Score

ALGEBRA HELP:

• I am well-versed in helping students do well in Algebra 1 & 2 College Algebra Intermediate Algebra Pre-Algebra and I am very knowledgeable and proficient in the following algebra topics in alphabetical order:
• Absolute Values Circle Equation Domain Exponents Graphing Horizontal & Vertical Asymptotes Inequalities, Equations & Functions Inverse Functions Linear, Exponential, Logarithmic, Quadratic Equations Logarithms Maximum & Minimum Values of a Graph Number Lines One-to-One Functions Parallel & Perpendicular Lines Plotting Points & Ordered Pairs Point-Slope Form Polynomial Division Polynomials Radicals Range Rational & Irrational Expressions Rational Functions Real Roots Real Zeros Relations & Functions Slope Slope-Intercept Form Square Roots Standard Form of a Line System of Equations System of Inequalities Variables X and Y Intercepts

CALCULUS HELP:

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ATTRIBUTES THAT SET ME APART FROM OTHER TUTORS:

• I firmly believe that I have many attributes and skills that set me apart from other tutors. Below is a list of qualities that makes me an ideal fit to help you master your coursework:

I CAN AID STUDENTS TAKING PROCTORED ASSESSMENTS:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

I CAN VERIFY MY ACADEMIC KNOWLEDGE & SKILLS:

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

I HAVE PAID ACCESS TO OVER 15 STUDY-HELP WEBSITES AND MATHEMATICAL SOFTWARE:

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

MY AVAILABILITY & RELIABILITY:

• Depending on my availability, I can accommodate immediate tutoring requests, 1-24 hour, and 1-30-day deadlines.
• I can schedule live real-time online sessions and meet deadlines in an impressively timely fashion.
• I can provide quick notifications and updates of progress made in the student's class via email text phone calls.
• I can also be available to tutor students for Fall 2021 Spring 2022 Summer 2022 semesters.

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

SCHOOLS FROM WHICH I'VE HELPED STUDENTS IN :
As of 2021, I have tutored and helped students enrolled at the following U.S. universities community colleges county & city colleges schools for-profit institutions listed below in alphabetical order:

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
I OFFER FLEXIBLE PAYMENT PLANS:

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

TUTORING AVAILABLE FOR OTHER SUBJECTS:

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes. Why choose low-income victims when it would be much more profitable to target high-income, high-net-worth individuals earning at least six figures a year? I have knowledge in business consulting, and I promise you that a business owner would be a MUCH more lucrative mark than a low-income college student.
• I wouldn’t choose such a time & energy-draining method of scamming people. Also, communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine. This means that 90% of my time communicating with potential clients ultimately proves to be a colossal waste of my irretrievable time & energy.
• If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now. And I would have been permanently banned from opening new accounts. Therefore, the fact that all my payment apps have been fully active for years should be sufficient proof that I haven’t had people consistently disputing payments sent to me.

HOW TO CONTACT ME:
Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641

• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

My contact details:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
TAGS:
^{Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit}
What are your Thoughts! Write in comments and ask for help if needed
Suggest more topic Ideas
Join this subreddit to help us grow!

If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ASSESSMENTS I CAN COMPLETE:

• Online Courses (1 - 20 Weeks Long)
• Homework Assignments
• Exams Quizzes Tests
• Excel Projects
• Discussion Forum Posts
• Research Papers Term Papers Essays
• Employment Assessments

MY MATH SUBJECTS OF EXPERTISE:
I am very knowledgeable and proficient in assisting students in a wide range of mathematics classes. I can help students complete their homework assignments and other projects get an A on quizzes, tests, and exams (including proctored assessments) answer online discussion posts write essays & papers in MLA APA Chicago format and provide general overall academic help in each math course listed below:

• Advanced Placement Honors High School Level Math
• AP Calculus AB A.P. Calculus BC
• AP Statistics
• Biostatistics Bio-Statistics
• College Algebra Intermediate Algebra
• Business Calculus
• Business Statistics
• Business Math
• Calculus I Calculus II Calculus III (Calc)
• Geometry
• International Baccalaureate (IB) Maths
• Liberal Arts Math
• Logic & Reasoning
• Multivariable Calculus Multi variable Calculus
• Precalculus Pre-calculus
• Probability & Statistics
• Psychology Statistics Psych Stats
• Quantitative Reasoning Quantitative Methods Quantitative Literacy (Quant)
• Statistics (Stats)
• Statistics for Social Sciences
• Trigonometry (Trig)

STATISTICS HELP (MY BEST SUBJECT):

• I have a master's degree in Applied Statistics from a university in New Jersey, USA. As a result, I am very proficient in helping students with various types of Statistics courses including Biostatistics Business Statistics Elementary Statistics Probability & Statistics Psychology Statistics.
• I have extensive knowledge and skill with helping students get through various statistical concepts including all of the following in alphabetical order:
• ANOVA Bar Graph, Boxplot, Dot Plot, Histogram, Pie Chart Bias Binomial, Exponential, Poisson, Gamma, Uniform Distribution Central Limit Theorem Chi-Square Test Coefficient of Determination (R^2) Conditional & Relative Probability Confidence Interval Correlation Coefficient (r) Critical Region Critical Value Descriptive & Inferential Statistics Effect Size Expected Value Experiment vs Observation Goodness of Fit Test Hypothesis Testing Interpolation & Extrapolation Interquartile Range (IQR) Kurtosis Left, Negative, Right, Positive Skewed Distribution Logistic Regression Mean, Median, Mode, Midrange Multiple Regression Nominal, Ordinal, Interval, Ratio I Population Parameter Normal, Symmetric & Bell Shaped Distribution Null & Alternate Hypothesis One & Two Sample T-Test One & Two Sample Z-Test Ordinary Least Squares Outliers P-Value Pooled Variance (Equal Variances) Proportion R^2 Range Regression Regression Line Reject & Fail to Reject Ho Relative & Cumulative Frequency Distributions Relativity & Reliability Right, Left, One, Two Tailed Tailed Hypothesis Test Sample Statistics Sampling Methods (Convenience, Stratified, Simple, Cluster, Systematic) Significance Level (1%, 5%, 10%) Skewness Standard Deviation& Variance T-Score Test Statistic Time Series Type I & Type II Errors Unbiased Estimators Z-Score

ALGEBRA HELP:

• I am well-versed in helping students do well in Algebra 1 & 2 College Algebra Intermediate Algebra Pre-Algebra and I am very knowledgeable and proficient in the following algebra topics in alphabetical order:
• Absolute Values Circle Equation Domain Exponents Graphing Horizontal & Vertical Asymptotes Inequalities, Equations & Functions Inverse Functions Linear, Exponential, Logarithmic, Quadratic Equations Logarithms Maximum & Minimum Values of a Graph Number Lines One-to-One Functions Parallel & Perpendicular Lines Plotting Points & Ordered Pairs Point-Slope Form Polynomial Division Polynomials Radicals Range Rational & Irrational Expressions Rational Functions Real Roots Real Zeros Relations & Functions Slope Slope-Intercept Form Square Roots Standard Form of a Line System of Equations System of Inequalities Variables X and Y Intercepts

CALCULUS HELP:

• I am well-versed in helping students do well in Calculus I, II & III, Calculus 1, 2 & 3, Business Calculus, Multivariable Calculus, Vector Calculus and I am very knowledgeable and proficient in the following calculus topics in alphabetical order:
• Absolute & Local Maximum and Minimum Antiderivative Area & Volume Chain Rule Concavity Continuity Convergence Test Critical Points Curvature Curve of Rotation Curve Sketching Derivatives Divergence Test First & Second Derivative Test Fourier Series Implicit Differentiation Increasing / Decreasing Functions Infinite Series Integrals Integration by Parts Jacobian Matrix Limits L’Hopital’s Rule Maclaurin Series Mean Value Theorem Partial Derivative Product & Quotient Rule Reiman Sum Related Rates Simpson’s Rule Solid of Revolution Substitution Rule Taylor Series

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ATTRIBUTES THAT SET ME APART FROM OTHER TUTORS:

• I firmly believe that I have many attributes and skills that set me apart from other tutors. Below is a list of qualities that makes me an ideal fit to help you master your coursework:

I CAN AID STUDENTS TAKING PROCTORED ASSESSMENTS:

• Proficient in CollegeBoard AP Calculus AB, AP Calculus BC & AP Statistics exams.
• Skilled with International Baccalaureate Math Exams: IB Maths HL & IB Maths SL
• Can intentionally answer a few problems incorrectly at the student's request.
• Can text solutions to the student while they are taking a proctored exam.
• Upon request, can purposely obtain grades below an A (ex: B+, B, C+, C-).
• I can stretch out the time to a plausible length for timed exams and assignments before submitting them.
• Have reliable software that can change my IP address to match the closest major city near the student.
• I have exceptional multiple-choice exam-taking skills. I have mastered the various techniques to make calculated guesses for the correct option in standardized exams such as the SAT & GRE.

I CAN VERIFY MY ACADEMIC KNOWLEDGE & SKILLS:

• I have no problem with requests to solve sample problems upfront to prove my knowledge & proficiency of the course concepts.
• I can provide glowing references & strong examples of work done for past clients to verify my academic skills.
• I can also provide, upon request, complete detailed calculations with explanations for solutions to the problems worked on.
• I am quite skilled and adept in using multiple modernized educational platforms and software, including but not limited to: Brightspace MyStatLab D2L WebAssign Canvas MyMathLab Blackboard ALEKS
• Can format term papers and discussion posts in APA MLA Harvard Chicago Vancouver OSCOLA IEEE format.

I HAVE PAID ACCESS TO OVER 15 STUDY-HELP WEBSITES AND MATHEMATICAL SOFTWARE:

• I have multiple paid subscriptions to a wide range of academic tutoring resources, including Chegg, Quizlet, CourseHero, Brainly, Grammarly, Study. com, Bartleby, Slader, Transtutors, Slideshare, StudocU, Turnitin, Academia, SymboLab, WolframAlpha, and Scribd to help guide to solve exam & homework questions that I may not immediately know.
• However, I am smart enough not to blatantly plagiarize solutions online but instead write them in my own unique words, formatting, & mathematical terminology.
• I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
• I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, or PDF formats.

MY AVAILABILITY & RELIABILITY:

• Depending on my availability, I can accommodate immediate tutoring requests, 1-24 hour, and 1-30-day deadlines.
• I can schedule live real-time online sessions and meet deadlines in an impressively timely fashion.
• I can provide quick notifications and updates of progress made in the student's class via email text phone calls.
• I can also be available to tutor students for Fall 2021 Spring 2022 Summer 2022 semesters.

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• I am very knowledgeable and well-versed in a wide range of educational software to tutor students in including but not limited to: Acellus ALEKS APEX Learning Aplia Blackboard Brightspace Canvas Cengage CengageNow Connect ConnectMath Connexus CPM D2L Discord Edmentum Eviews Examity Excel Hawkes Learning Honorlock Khan Academy Knewton LimeSpring Lumen Maple MasteringChemistry MasteringPhysics MathXL (XL) MATLAB McGraw-Hill Microsoft Word Minitab Moodle MyAccountingLab MyEconLab MyITLab MyLab My Lab MyMathLab My Math Lab MyOpenMath MyPsychLab MySocLab MyStatLab My Stat Lab NCSS Open Source Software Pearson PERT PlatoWeb PowerPoint Prezi R Respondus Lockdown Browser with Webcam Sapling SPSS Stata StraighterLine Straighter Line WebAssign Web Assign Webex (Cisco) WebWork Wiley WileyPlus Wonderlic Zoom

SCHOOLS FROM WHICH I'VE HELPED STUDENTS IN :
As of 2021, I have tutored and helped students enrolled at the following U.S. universities community colleges county & city colleges schools for-profit institutions listed below in alphabetical order:

• A - C: American Public University System (APUS) Arizona State Ashford Brigham Young Brown Broward California State (Fullerton) Capella Chamberlain (Illinois) Colorado Technical Columbia Columbia Southern Cornell
• D - K: Dallas College Dartmouth DeVry Excelsior College Florida International Florida State Full Sail Georgia State Grand Canyon Harvard Houston Community College Ivy Tech Community College Kaplan Kennesaw State Kent State
• L - T: Liberty Lone Star College System Kaplan Miami Dade Michigan State CUNY State University of New York (SUNY) Northern Virginia Ohio State University of Phoenix (UOP) Penn State Princeton Purdue (Davenport) San Diego State San Francisco State San Jose State Southern New Hampshire Southern Nevada Stanford St. Petersburg Strayer Texas Tech
• UNIVERSITY OF: Alabama Arizona California (UC) Central Florida Chicago Cincinnati Florida Houston Illinois (Urbana-Champaign) Iowa Maryland Minnesota Michigan North Texas Pennsylvania Southern Florida Texas Toronto
• U - Z: UCLA Extension Utah State Utah Valley Valencia Walden U Wake Technical Western Governors Wilmington Yale

Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
I OFFER FLEXIBLE PAYMENT PLANS:

• I offer several unique payment plans, including a weekly plan, a discounted monthly plan, a discounted half-now / half-later plan, and highly discounted up-front rates.
• I can accept the following payment methods for my services: PayPal Debit Cards Square Cash Credit Cards Cash App Venmo.
• Only people located in North America have access to Venmo Cash App Zelle.
• This is an excellent way to determine if the person you're dealing with is from the United States.
• Within reason, I offer a partial or full money-Back guarantee if the student is very unsatisfied with my academic services.

TUTORING AVAILABLE FOR OTHER SUBJECTS:

• For other subjects, you can reach out to me, and I can connect you with one of my tutoring partners who can provide general academic assistance for the following subjects:
• Art & Design: Art History Design Film Studies
• Business: Accounting (Acc) Biz Courses Business Administration (Biz Admn) Business Calculus Business Law Business Statistics Corporate Finance Economics (Econ) Finance (Fin) Financial Accounting Intermediate Accounting Intermediate Microeconomics (Micro) Macroeconomics (Macro) Management (Mgmt) Managerial Accounting Marketing MBA
• Computer Science: C C++ Computer Programming (Comp) Java Python R (Introduction & Intermediate Level Only)
• Humanities: Communications (Comm) English Literature Essay & Term Paper Writing, Editing, Proofreading Essays History Papers Philosophy (Phil) Religious Studies Theology (Theo)
• Mathematics: A.P. Calculus AB & BC Psychology Statistics AP Statistics Bio statistics Calculus I (1) Calculus II (2) Calculus III (3) College Algebra Differential Equations Discrete Math Finite Math Functions General Math Geometry Liberal Arts Math Linear Algebra Multi-variable Calculus Partial Differential Equations Precalculus Probability Quantitative Reasoning Real Analysis Statistics Trigonometry (Trig) Vector Calculus
• Science & Medicine: Anatomy & Physiology (A & P) Biochemistry Biology (Bio) Biostatistics Earth Science Environmental Science General Chemistry (Chem) Healthcare Medicine Nursing Nutrition Organic Chemistry Physics (Phys)
• Social Sciences: Anthropology Economics (Econ) Geology Law & Justice Liberal Arts Liberal Studies Political Science Psychology Sociology

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• 1) Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, accent, diction, dialect, regionalisms, pitch, vocabulary, word choice, intonations, and inflections.
• NOTE: I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• 2) Agree to do some homework questions of yours upfront with the work fully shown in real-time to prove my mastery of the course content.
• 3) Send you screenshots of at least five past scores I attained from completing exams & homework assignments for other students in the same type of class you need help with.
• 4) Send you full screenshots of written exam solutions I wrote up by hand for students in the past in the same course that you need help with so that you can see my neat handwriting.
• 5) Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes. Why choose low-income victims when it would be much more profitable to target high-income, high-net-worth individuals earning at least six figures a year? I have knowledge in business consulting, and I promise you that a business owner would be a MUCH more lucrative mark than a low-income college student.
• I wouldn’t choose such a time & energy-draining method of scamming people. Also, communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine. This means that 90% of my time communicating with potential clients ultimately proves to be a colossal waste of my irretrievable time & energy.
• If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now. And I would have been permanently banned from opening new accounts. Therefore, the fact that all my payment apps have been fully active for years should be sufficient proof that I haven’t had people consistently disputing payments sent to me.

HOW TO CONTACT ME:
Paid Help from Hiraedu: If You're struggling to handle your Online Exams, Assignments or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641

• I take my work as a tutor very seriously, and I always aim to do my best to help my students excel in school. I have a solid and sincere passion for academic achievement, and with my help, I am positive that I can help students obtain very high grades with minimal stress and effort.
• Please feel free to contact me if you're interested in my services and would like to learn more. I'm available 24/7 via phone call, email, and text. Again, thank you for taking the time to read my Reddit tutoring ad, and I hope to hear from you soon!

My contact details:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
TAGS:
^{Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit}
What are your Thoughts! Write in comments and ask for help if needed
Suggest more topic Ideas
Join this subreddit to help us grow!

I FIRE'd at probably the worst market conditions in a while on Jan 1, 2022. So it's been about 2.5 years.
Here's my net worth numbers, I am renting, so this is all invested in mutual funds. No additional side income. I am assuming a 3% SWR. I'm now 38 years old, single, no kids.

Date	Net Worth	Percent Change	Safe Withdrawal
Jan 2022	3.4M		104k
July 2022	2.8M	-18%	84k
Oct 2022	2.6M	-24%	78k
Nov 2022	2.8M	-18%	85k
Feb 2023	3M	-12%	91k
Dec 2023	3.3M	-3%	101k
March 2024	3.5M	+2%	105k
May 2024	3.6M	+6%	110k

Withdrawals:

• 2022: 15k ( Had cash on hand already )
• 2023: 77k
• 2024: YTD 32k / Estimated: 64-85k

Analysis / Questions
I think the highest my withdrawals would be this year would be 85k. Given that the lowest my SW number went was around 78k I'm thinking this might be a pretty good baseline to try to keep moving forward?
Aside from tracking my withdrawals, I haven't really been tracking my expenses too much. It's been a breath of fresh air to relax and not be so obsessed with the numbers on a weekly or monthly basis. I have a very simple setup for handling my checking and savings accounts with bills and regular spending that I can share in a follow up post if anyone is interested.
For major upcoming life expenses, I'm looking to buy some land out in the country and eventually build a home on it when / if I decide to move further away from the city center. My strategy for doing this will be most likely a personal line of credit that's secured with investments. I think this will end up being less interest than getting a land loan, but i'm not sure yet. One friend suggests only paying interest on this loan & keeping money in the market as long as possible, but idk. I like the idea of paying it off with whatever excess money I have in my capital gains limit and still be at 0% tax.
The area I'm looking at is an up and coming area that's currently experiencing explosive growth, so it seems like a good time to buy now and I'll be thinking of the purchase as an additional investment for now, since I'll still be renting for a few more years. So I'd keep that amount of money in my safe withdrawal calculations. There's a very good chance it'll appreciate as much or more than the stock market in the next 10 years.
Another area that I have a question: I have about 400k in my 401k and with my excess capital gains I can convert some of it to a Traditional IRA and then roll into a Roth IRA. I'm not sure if this is worth doing vs doing a capital gains harvest if we have another up year.
With a capital gains harvest in 2023, I was able to harvest around 20k and reset the cost basis. I think I could have instead converted 20k from my 401k to my Roth and paid around 10% tax on it in order to do that. I'm curious what y'all think is best?
ChatGPT seems to think the best plan is different depending on up and down years. On up years, harvest as much capital gains as possible while also doing a small roth conversion that keeps me in the lowest income tax bracket of 10%. On down years, harvest losses and do larger roth conversions since the losses can be used to offset taxable income and stay within that 10% bracket.
Learnings
- When you transition to FIRE it's very important to turn off re-invest dividends and have them sent straight to your bank account instead. I made a mistake with this in year 1 & 2 and ended up with a wash sale on some of my re-invested dividends. Then just withdraw extra money as needed throughout the year.

• Retire TO something. This has been mentioned a lot on this forum, but I FIRE'd to escape work hell that I was in and didn't have a solid plan for after. I was under too much stress to formulate much of a plan at the time and I paid for it. I spent almost a year in a deep depression. I would recommend figuring out what you want to do with your time while you're still working. Another thing to consider is you can actually do this stuff a little bit while still working, you'll just have more time afterwards! I did eventually start a few fun projects I wanted to try and made some major life changes, so things are looking up this year!
• Have a consulting side business if it makes sense. If you're planning to actually try to work then you want an LLC otherwise it's cheaper to register as a sole proprietorship. It's pretty fun to hop on phone calls and talk about stuff you're interested in. Very low stress, would recommend. I've only done a few, but I would do more. The major benefit of this is you can write off expenses for a bunch of stuff, which allows you to harvest more gains at the end of the year to reset cost basis and save more money on taxes in the long run. It's important to stay very diligent with separating your income / expenses for business vs personal. But this also provides an opportunity to get a ton of credit card points on a business card if you're planning to set up a home office with a new computer and stuff.
• Pay estimated taxes! I messed this one up last year and got a small penalty.

FAQ

• How did I FIRE at an early age? It was due to a startup that blew up. I consider it to be equal parts hard work and luck to be honest. Not everyone at my company got the same payout though. I had negotiated better terms throughout the time I was there, so that's something to keep in mind.
• Do I plan to stay single and no kids? I'm hoping to find another relationship which I expect will increase my expenses a bit. IDK about kids, but I'm assuming that if I do then I'll need to go back to work or lean on my partner's work if they wish to keep working. I'll make that decision once the time comes. Maybe I'll get with someone that FIRE'd at an even higher amount? hahahaha

Thanks for taking the time to read this and sharing your thoughts!

Odoo Chart of Accounts, Journals, and Financial Statements are extremely frustrating to an accountant. What compounds this frustration is the way that Odoo handles Bank transactions. Would someone please try and explain the logic of why the dev team made it so complicated and so insanely messy? My main points of contention:
Outstanding Receipts and Payments - I understand the 'logic' of posting to an O/S account. While I think it's complicated, unnecessary, and creates an insane amount of additional GL accounts if you have several actual bank accounts within your business; I at least understand what Odoo is 'trying' to do. However, what actually is the real logic of having your O/S accounts NOT be a contra-bank account? Why is my actual bank account an account type = Bank, and my O/S accounts an account type = Current Asset? What is the logic here? If I write a check and it doesn't clear the bank yet, Odoo is going to show my actual bank account in the BANK and CASH Accounts section of the balance sheet -- yet the O/S accounts are in a completely different section of CURRENT ASSETS. So, I have 1 balance in the Bank section, then a + or - in the O/S section that I now need to manually calculate myself? How does is make logical sense to have a balance that is directly related to your bank account exist as an account type that cannot be paired with the actual bank? This isn't how Inventory Interim accounts work, why would it make sense to do this with a bank?
https://preview.redd.it/hf5i0e6k691d1.png?width=1153&format=png&auto=webp&s=ea7c84efc6917ef8e77ec29d715384d5618af405
So in order to determine my book balance of cash, I need to talk out a calculator and do this for every single bank account I have? Am I missing something?
Bank Suspense Account - Why does Odoo need to post bank statement transactions to my GL? What accountant would want a bank statement to manipulate their GL? Why wouldn't Odoo simply post Bank Statement lines to a temporary table like Quickbooks does? Quickbooks doesn't change your actual bank balance, just by simply syncing your bank account to the system. It pulls transactions into a temporary table that is not tied to your GL - thus allowing YOU the accountant to create rules and/or post or pair the transactions yourself. It isn't until you post or pair these transactions that the system would do anything to your GL. Why is Odoo complicating something that so many systems do the correct way? The best indicator of how much cash I have is my GL balance, based on the transactions generated from my system and company internal controls -- not my bank account balance.
As an accountant, using Odoo has been both a breath of fresh air and an absolute nightmare, usually at the same time. While the system does some things really well, it absolutely fails in some very basic functions. The developers are always releasing all of these 'new' functions, which seems to be the priority, except they are completely neglecting the core system functions that any educated CPA or accountant would find extremely lacking -- if not a total failure. We've had to spend well into the 6 figures configuring Odoo, with most of those funds going toward just making the system perform functions in a manner that a normal industry accepted and GAAP control worthy system would have on day one. I love Odoo for so many reasons, but am finding it increasingly harder and harder to continue using a system that is clearly not being developed from a USA accounting perspective. Maybe we just are too big for Odoo, and it's more geared for the small company who is simple and doesn't have reporting requirements. I don't know.
If anyone could explain the logic of the above, I'd appreciate it. Thanks in advanced.

An attractive alternative to traditional rewards for outstanding performance

Synthetic equity refers to a collection of strategies and instruments frequently used to provide employees with financial advantages of share ownership without actual shares changing hands. It is a potent instrument that practically all advanced investment organizations may utilize to attract, retain, and reward competent employees.
The favorable economic qualities of equity are embedded into synthetic equity plans, also known as equity alternatives, without the financial obligations coming from purchasing shares from the initial owner. Instead, synthetic equity programs often develop into cash payments to the employee and a corresponding deduction for the employer. Since it represents compensation, synthetic equity may be easily adjusted to handle almost any scenario.
The following scenarios exemplify the situations in which synthetic equity is an optimal solution:

• An employee desires ownership-like benefits but is unable or unwilling to assume the financial risk of purchasing and paying for company equity.
• An employee aspires to ownership but lacks the credentials or licenses required for a role of a full equity partner in the company.
• Employees feel uncomfortable providing personal guarantees or accepting responsibility for credit lines, office leases, payroll-related expenditures, or the commitments made under buy-sell or continuity agreements.
• A company owner wants to share the economic worth of equity rather than the actual equity. This includes owners not interested in supporting this transaction with seller financing.
• A company owner wishes to motivate an employee to work on increasing the company’s value but also wants to discourage them from leaving and creating competition for the business, engaging in client solicitation, or performing other actions that might harm the company.
• An owner planning to leave the company in the following 5-year period wishes to reward one or more critical workers at the time of the sale without requiring them to purchase and pay for equity.

Tokenization of business and individual performance

The above method has been known for decades. The critical challenge in the modern business world is ensuring that innovation and productivity are rewarded equitably across an organization. At the same time, executives must be compensated for creating these conditions.
However, rewarding innovation and equitably delivering executive-level incentives and rewards across the organization from the top to the shop floor is the alternative made possible only by deploying smart contracts and blockchain technology — tokenizing business and individual performance.
The tokenization of business elements such as performance and innovation is one of the newest ways to drive planned outcomes. The process is about moving your business to blockchain. Although it may seem complicated and challenging to implement, almost any entrepreneur can tokenize the building blocks of their business. Tokenization is simply transforming a company’s value into a digitized resource in the form of tokens.
Tokens represent a value within the organization in a transparent and auditable way. They can be cashed in upon completion of the vesting period if both company and individual targets have been met. What makes Synthetic Equity on the chain unique is its transparency, auditability of incentives, and most notably, equitable distribution of tokens corresponding to each employee’s job size.

The Mechanism Behind Synthetic Equity

For synthetic equity to produce favorable results, a profitable, successful firm with a proper entity structure is necessary. Corporations and LLCs can use the tools relating to synthetic equity. In some situations, they may also be used by sole proprietorships, albeit in a slightly different form.
To fully grasp the idea of synthetic equity, it might be helpful to understand the mechanism behind equity in general. Understanding how equity functions allows those interested in synthetic equity to utilize some of the tools used in working with actual equity.
For example, investing in an independent advisory company generally offers the following considerable advantages:

• The right to vote
• Participation in the corporate governance system
• Access to the company’s financial documents
• Limited liability
• A proportionate cut of the revenue
• Sale-related long-term capital gains tax rates
• Capital growth potential

SyntheticEquity.io app is changing how we think about incentives and rewards.
These advantages have a monetary value. Therefore, purchasing equity carries a price, and awarding employee equity has tax repercussions. A tiny ownership share in a fee-based firm might cost several hundred thousand dollars. In these types of businesses, the stock is often acquired and paid for after tax, and the equity partner or shareholder usually expects to obtain the entire set of rights in return for taking on the investment risk.
The rights can be unbundled, meaning that the current owner does not have to sell or provide the full bundle of rights to an employee or investment advisor. To fulfill specific goals, each of the rights mentioned above can also be further divided or redefined in as much detail as necessary. For example, one or two rights from the total package might be provided, such as the opportunity to grow the company’s worth or a percentage of the profits.
By allowing someone to own a portion of the rights in the bundle rather than all of them, synthetic equity generates an advantage. These unique rights or benefits are often described in a plan document and frequently provided via individual award agreements between the employer and employee. A wide range of flexible options for creating a solid and profitable company are produced when equity-like benefits and a long-term remuneration strategy are combined.
Synthetic equity plans often come in one of the following three forms:

• Full-value plans can result in a substantially big payment to an employee since they pay both the value of the underlying stock and any appreciation that is gained over a certain period.
• Performance unit plans swap out equity as the value metric for another metric like sales growth or profitability.
• The value of any growth in the underlying stock value over a specific period following the date of the award is typically paid out under appreciation-only plans.

These kinds of plans are like conventional non-qualified plans insofar as they offer a possibility of discrimination and a significant risk of forfeiture that often lasts until shortly before the benefit is awarded to the employee.
Essentially, synthetic equity is a type of delayed compensation that links a worker’s financial incentive to the company’s performance. By striking the correct balance between the danger of losing a valuable employee and the potential future cost to the employer, each plan is specifically created to meet the advisor’s needs. The plans are intended to reward employees for contributing to the company’s success, but they also ensure that no payment is due if either the company doesn’t develop as expected or the employee doesn’t uphold their end of the deal by quitting their job to work for a rival company or starting their own.

Synthetic Equity Benefits

Synthetic equity is meant to be an equity-related instrument that helps a company find, reward, and keep hold of valuable people.
Synthetic equity benefits are:

• Synthetic equity inspires employees to adopt an owner’s perspective and put development and shareholder value first.
• There is no debt since important participants do not buy phantom shares like full equity stockholders do.
• If a participant’s job terminates before the designated vesting date, they typically forfeit any benefits under the plan.
• Participants normally do not have voting rights or a vote in corporate governance and may or may not be entitled to collect profits from the company.
• Synthetic equity programs provide flexible vesting timelines; vesting can take place over time, depending on the accomplishment of certain quantifiable company or individual goals.
• If the company’s growth is slower than expected and the stock price does not rise, nothing is exchanged.
• When a synthetic equity grant is issued, owners of genuine equity are not adversely affected by a dilution of their ownership percentages.
• Compared to S-Corporations, which are often more restricted, more freedom is provided in terms of stock class and shareholder count.
• The advising business’s shareholders’ or members’ agreement and associated buy-sell provisions do not immediately apply to synthetic equity.

Synthetic equity options’ versatility comes with many benefits but may also have many drawbacks. The companies need to make decisions regarding what valuation technique will be utilized, what vesting rules will be implemented, how liquidity problems will be addressed, what eligibility conditions will be imposed, and what rights to participate in corporate governance will be granted due to the wide range of possible directions for designing synthetic equity plans.

Conclusion

In the hands of a forward-thinking business leader, synthetic equity is a potent instrument. It may be utilized to solve the difficulty of attracting, rewarding, and maintaining top talent to create a great practice or viable business without the challenges of selling and paying for an actual ownership stake.
Like full stock, synthetic equity may refocus the employee’s attention and motivate them to contribute to a flourishing and profitable company.
Authors

Paul Lalovich

Organizational Effectiveness and Strategy Execution Practice

When looking into the makings of central banks and financal affairs in the uk and europe i came up with this
Finance and lending money was almost entirely run by jewish families long before 1066AD when William the conquerer borrowed significantly from jewish financiers of France a Rouen Banking family, name is still undisclosed. If anyone knows let me know.
government bonds from 1066 in the british library
The Worshipful goldsmiths company a 700 year old group of goldsmith (investors) who to this day buy up government guilds aka bonds aka loans. Aswell as owning vast estates in and around london. The company was formed after the jewish were originally exiled from britian because of accusations they controlled the UKs finances between 1066 and 1290 🤔 ( insert capitalism cloak and dagger) hide behind a business name.
the worshipful goldsmiths company
This company became of interest to me, as little is said about who actually founded the goldsmiths company other than they were the goldsmiths of london who had controll over london finances as they bacame the gold standard by royal charter. (where the hallmark name came from)
Its rather puzzling who these prominent people were, and interesting that little is said about them especially considering how well they recorded its rather odd they didnt have records of their ownership? (shell company style?)
So 700 years ago goldsmiths were almost all jewish as lending money was strictly forbidden in Christianity ( if you weren't a Christian in england 1000 years ago what even were you?
Also note the Rothschilds family owned the building to the royal mint where coins were minted for the last 200 years. Strange dont you think 🤔
royal mint
Also an interesting financial scale within jewish economics. Jewish law states that jewish can only charge interest to non jewish. So if your entire business model is to charge interest and if a huge percentage of banks are jewish owned and they can only charge interest to non jewish that would denote a pyramidal scale? Note the largest hedge companies in the world are jewish owned.
halachah or jewish law
Now i am not saying this is the entire jewish race, but certainly prominent elite familes hidden behind a cover of a capitalist system that assists obscurity it for what it is.
If you have checked out the links above note they are all from jewish sources.
And you can start to imagin how long the banking business has actually been going on for. If halachah must be followed that would mean continual money supply into a pot for one race obtained from everyone else. (quite possibly why the US pushes for capital markets everywhere and detest communist systems that prevents 👆)
Some examples of said families
rothschilds family archives
The duke of wellington took a loan of £1 billion to pay for the battle of waterloo in 1815, which would now be worth over 20 trillion in todays money. This loan is supposedly still being repaid by british taxpayers to this day.
Can you imagin what interest repayments the Rothschilds must be recieving for a loan that's over 200 years old.
Calculations for 1 billion over 200 years at 4% workds out to a total repayment of 2,940,562,619,656.00 = £2.94 trillion
Oh and guess who funded the loan to pay slave owners for freeing slaves. You guessed it the Rothschilds and Montefoire family if you haven't already come across the latter another name to consider.
Rothschilds and Montefoire
The slave ownership loan was only just been repaid by british tax payers in recent years. If you understand how loan repayments work from mortgages you can imagin what a 200 year old loan does to the total repayment cost.
Calculations for
15 million over 200 years at 4% works out to a total repayment of 38,261,246,866.00 just over 38 billion. So where is all this money as their net worth vastly differs 🤔.
I believe that we are built on a system of finance, either capitalist who want a portion and access of other nations interests or the communists who want to keep the financial system in their own company.
who ever owns the finance owns the world.
Im not sure who secretly runs the countrys of the world but in delving deeper into the history behind finance i found the aforementioned. Some will say this is antisemetic trope. But everything i looked up was backed up by jewish authors and resources. Jewish chronicles being one of them
Thodore Herzle is another prominent name in zionism as its founder who started the zionist movement from Basel switzerland, the mothership of all central banks the IBS International Bank of Settlements. He also founded the jewish colonial bank which later turned into the central bank of israel.
jewish virtual library source
Its interesting that more of this is not known or more public knowledge, or is that the point keep this buried and call everyone antisemitic for brining it up?
Whilst im not from the US, its domination in war time affairs raises some questions. As war requires large bonds borrowed from the prominent wealthy families mentioned. Creating debts that continue to be paid by tax payers over hundreds of years. It may be worth researching who actually bought the long term bonds for the covid packages and Ukraine and Israel piggy bank.
Nearly the entire biden administration is made up of jewish, so theres no wonder why he keeps vetoing everything. A list below of his jewish team.
biden administration jewish team list
and well the US economy has a big hand in debt making and taking. If you arent with it, your in the way as many countries have found out the hard way.
I have lots more, but conscious this is long and getting bored now.
Enjoy your rabbit hole hunting and if anyone has anything to add or if i have got anything wrong id be interested in your view points ✌️