Auto trader house for rent

Hello all, I am a 20M and I have been trading on and off for two years now.
I should point out to start that my "main" job or profession is marketing/copywriting/sales. I usually work with coaches and optimize their ads/funnels/workflows/e.t.c. I have a few clients there but I just have a hunger to be a great trader as well because I see the potential and know the time freedom is much better.
The focus of my trading has been SPY. 95% of my trades will be naked calls/puts on spy 1dte or 0dte.
I start off by depositing $100 into my account so I do not lose much.
My best run has been $650 from $100. I had 5 straight green trades and I was executing at a high level. %100 gainers for multiple days straight.
Now I am back to unprofitable and having to put $100 back into my account.
I did recently change my mind, I believe doing paper trading until I pinpoint and fix the issue is better for me.
I have only lost $500 of my money, the rest was house money off profits. ($1,500 in total)
I know that trading is hard and takes a while to master. I am committed because the benefits are huge (financial and time freedom)
But, I am also passionate about being a great trader. I want to be a genuinely skilled trader.
I want to share my strategy as well as where I think I am going wrong.
I use Positions of interest(liquidity, highs, lows, places where price jumped aggressively or fell aggressively), price action, volume, and order block level 2.
Once I go into a trade I always set the SL to -0.2 and TP to +0.6 or 0.5.
I feel that my problem is consistency and finding myself searching for a reversal rather than following a trend.
For example, I took a few spy put positions this week and lost every trade because I have this thought in my mind since it is at a ATH that it has run out of gas. But in reality the market does what it wants. The algo just tries and equate buyers and sellers.
I also find myself having one trade ruin my port (poor risk management)(over confidence). I have a trade that I am supremely confident in start of bad and then I remove my SL and it ends up going to zero and I do not stop it.
I find myself believing that trading everyday at a set time is needed to make money. (10:15 am eastern usually)
I guess what I am looking for is maybe some tips and helpful advice.
I hope I gave enough context.
I would genuinely appreciate anything.

Hey y’all, I need some advice. I have been doing research for the last year or so and have been doing urban gardening in a place with an insane COL and ammenities I don’t even use.
I bought 2.6acres of land in Izard county (horseshoe bend) Arkansas for my homestead, and am looking for advice on where to start.
I am a single mother, and I work remotely for a company based in NY and am living on the other side of the country in CA paying insane prices for rent and am looking to build a home and homestead somewhere where life is quiet, safe and essentially I can be left alone and enjoy my life with my kids.
I want to build my own home on a 2acre parcel, with a garden and some ducks & chickens, sheep for wool and milk and bunnies for compost. (I’m vegetarian) I’d love to own one dairy cow and give her and her babies 1acre and use the other 1acre for the 1000sqft home I’d like to build.
We have always lived in 800sqft or less and currently pay 3k/a month in rent. (And I’m not rich I’m literally house poor- I can barely afford to live) My thought is I’d rather rent for a year for $600-800/mo while I build, and spend the balance on building a home that I’ll own instead of filling someone else’s pockets.
SO, if anyone is familiar with Izard county or have done what I’m looking to do- please please send some advice, and let’s connect. I’d love to hear about your experience as an Arkansas homesteader.

Hi guys I hope this fits here and if not please point me in the right direction. So my fiance and I live in employee housing for a summer job. In the contract it states if we leave early we must pay the rest of the seasons rent all at once. We didn't notice this until after we started and we are wanting to leave for a long list of reasons. Now to my question. Can our employer withdraw the rest of the rent money from our bank accounts since we set up direct deposit? A family friend said they could since they have our account information.

I'm a 42 year old male, I met my wife when I was 18, she was 23 and we began 'dating' when I was 21, working a job I hated in the same place she worked (casino workers, if you know, you know). We hooked up at a Xmas party and started a very awkward relationship. I say awkward because we had some weird trouble having sex for the first like 6 months... it's odd when I think back on it, should have been a huge red flag but she was draped in reg flags the entire time and it didn't seem matter to me. Aside from that, when we finally did have sex she got pregnant... she was not at all ready, neither was I really, but are you ever? At any rate, I didn't have too much of say in it, she decided on an abortion and I supported her. We stayed together after that horribly shitty experience, our relationship was never really all that good, lots of petty fighting/arguing and really the only reason it continued was because we worked opposite shifts and barely saw each other which made it easier to sorta get along.
Fast forward a couple years, we decide to buy a house because financially it made sense (this is almost 20 years ago so it was still affordable at that time), she made quite a bit of money, mostly in tips (so not on paper), but she probably made 2-3 times as much as I did so she never really struggled financially (in her life I don't think) while I came out of poverty and lived paycheck to paycheck up until a few years ago (the pandemic was surprisingly good for my career). This was never really an issue for me, I've lived in debt my whole life and I've always had the optimism that I would eventually work my way out of it, it's really the only bit of confidence I have in myself, my ability to learn and become relatively good at almost anything. This was always a point of contention, my wife hated that I had debt so when we bought the house together we were asked if we wanted a joint bank account as most couples combine their finances with cohabitation, my wife scoffed and adamantly told the banker there was no way she's mixing her finances with mine, it was relatively embarrassing at the time but I was also just 25 (she was 30) so I went along with whatever, it was going to be slightly cheaper for me to pay a mortgage than rent at the time so I was in and she'd cover bills. Things were never that great when living together, things must have been good enough for me to stay but I only look back with anger now so it's hard to see anything good but I'm sure there must have been some.
Fast forward another couple years and I feel extremely pressured (by her and her family mostly, they're old fashioned country type folks) to ask her to marry me... so I do. We stay engaged for another few years, I have no desire to waste a bunch on money on a wedding but she's the one with money so we have the big wedding she wanted. I'll admit it was a pretty great party, I don't remember anything good involving her on our wedding day but I have lots of good memories with family and friends. Afterwards we went on a 'romantic' honeymoon at an all-inclusive tropical resort and this is where I'll get into a bit of what I've dealt with for years... our resort was gorgeous, room was nice, just a room but nice... first thing my wife did was complain, about everything, the bed, the fridge, the lights, the balcony... nothing was good enough for her, this would become a common theme for the next decade plus. We also did not have sex on our honeymoon, she was far too busy complaining and being angry for us to ever get in the 'mood', this would be more foreshadowing of what's to come.
Now, this might seem like I'm building up to her becoming really bad after getting married but that's not really the case... she was just as bad before, it didn't really get worse, it just became more noticeable... or maybe I just tolerated things more in the beginning. The truth is when I look back, there were so many signs, she casually put me down and basically treated me like a child from day one, something I just accepted because looking back, I was a fucking child when we got together... she was not really, five years my senior, and she very much took advantage of that dynamic. Over the years she slowly went about convincing me that the things I wanted were silly/ridiculous and that I should want what she wanted (the nice lawn, the house, kids, etc., etc.) because everyone should. I never wanted these things.
I won't get into details here because I could write a novel on the insane shit I've dealt with over the last 20 years that could prove this, but I did do a lot of research in the last few years and have come to the conclusion that she could have BPD with narcissistic traits... I'm obviously not a doctor so it's definitely not a diagnosis or anything but she ticks almost every box from the many many things I've read on the subject, so if you have a moment and you don't know what BPD is I suggest googling it. It's pretty terrible but it might give you a better idea of my life.
At any rate, I dug myself deeper and deeper, thinking that every next move would finally make her happy and bring me some kind of peace, so we had a child about a year after we were married. This is where it gets really tricky... I sincerely regret having a child with this woman, especially because she is not at all "cut out to be a mother" (her words, not mine) but her mother had been sick on and off with cancer for a few years and her older sister couldn't have children so she felt obligated to give her mom a grandchild, bad reasons all around to have a child. That being said, I love my son more than anything in the world. As much as I wish we did not bring him into this horrible world, he's still the very best thing to happen to me and I will take care of him and love him for the rest of my life no matter what.
I should mention, since I've eluded to it, I've always had self-esteem issues, goes all the way back to having acne problems in high school but my wife has methodically picked away at my confidence and self-esteem over the years, cutting me down to this very day... to the point that I feel very much worthless. I know that I'm not, I know I deserve better but another fun thing about my wife is her desperate need for sympathy... So, not only does she make me feel horrible about myself, she also manages to make me feel horrible FOR her... she's overweight, and I'm sure has low self-esteem herself but she has decided to take it out on others rather than internalize and try to make things better for herself. She would rather blame others for any of her short comings, I guess it's easier to convince yourself you can't do anything about it when it's someone else fault.
I apologize, because I feel like I'm a bit all over the place but I guess I'm just trying to set the scene for where I'm at now and give just a small glimpse of the hell I've been living in and how I got here...
The first few years of my sons life were pretty great (comparatively at least), honestly it was probably the best we've ever gotten along, probably because most of my focus (and hers) was on our son. Unfortunately, her mother passed away just after my son's first birthday, this was obviously devastating for her, not unexpected but still devastating. We're lucky in Canada because she had a full year maternity leave and was able to spend time with her mom. She took it very hard, and decided to stay off work for an additional 4-6 months (can't remember exactly). This was all fine and understandable, I supported her through all of it, financially and emotionally. Once she went back to work, this is when things took a real nose dive... she has always been a very entitled person but upon going back to work (part time I should mention) she decided everything was horrible for her so she was going to make it horrible for everyone around her. This went on for around 4-5 years (again, the time frames get fuzzy because it's been so long), it was hell. I really just plowed through for our son, I made him my main focus and I took care of everything. Without going into it too much, I sort of shifted gears with my job and focused on finding something that worked better for raising a kid, I got onto a full time day shift (unheard in the casino world) and we worked opposite shifts. It was pretty good for child care (that we couldn't afford) as one of us was always home. This made her more contentious... again, going back to the entitled thing, she felt it wasn't 'fair' for me to work a good shift, she should be the one doing that. I eventually worked my way out of casinos and into a work from home job (before COVID) and it was great, she could work whatever shift she had to and I would always be around for our son.
Fast forward again, my son's in school, she's still super angry at life and making things hellish but I do my best to make it good for our son. It's difficult to keep a smile on with him while putting up with temper tantrums and fits from my wife... yes, we had a toddler and she was the one who threw fits. For an example, I can recall one specific Xmas where my son and I were playing video games which is his biggest interest, something she absolutely hates, and she made a few comments about how we should be doing family things together for Xmas (it was Xmas eve), so my son and I got off the computer and played a board game in the living room... nice and wholesome fun I thought. My wife throws a fit, full on screaming and slamming things around, I don't even remember what for exactly, it happens so often I can't keep track anymore. Her temper tantrum ends with her storming off and slamming the door to her room. I'll never forget looking at my son right after, him tearing up a bit and asking me "what is wrong mom?" and I just said "I'm really sorry buddy, I don't know" and we hugged... I cried a lot about that that night, one of many times I would have to apologize for her and the way she acts around him. This is just one small example and a terrible Xmas memory that I'll always have, hopefully my son won't. I think the worst part of these 'tantrums' is that she can almost always justify them, only to herself really but usually by blaming me or my son for "making her so upset" or worse, blaming some inanimate object for "not working how it should".
Fast forward to now(ish)... I've basically lived in my basement for the last 5 years, my office and bedroom are there, I stay down there to avoid my wife as much as possible but it feels like a prison cell now. I've retreated from life in general over the years too, I've always been a pretty anti-social introvert, I prefer quiet one on one conversations rather than group settings. Most of my 'friends' over the last 10-15 years revolved around my job (casinos take over your life people, for real) and my wife, I slowly lost any friends that had no connection to her. This was partially due to me retreating and the fact that my wife would insert herself into any friendship that was just mine to the point that I sort shut those people out to avoid them having to deal with her. Sadly, I don't have friends anymore (didn't have many to begin with but still), my son is essentially my only friend and because I work from home by myself I rarely talk to any other adults. My wife and I talk only when necessary... I cannot make eye contact with her anymore. This is probably needless to say but we haven't had sex in over 6 and a half years and I don't cheat, I don't have the confidence, so I've just accepted that I'm celibate now.
One other area of contention that I feel I should explain since I've mentioned it already, through the pandemic there was a serious power shift, financially speaking. She essentially lost her job and is now in a lower paying part time job (more realistic pay compared to her previous job), whereas I made a couple job changes that bumped me up well ahead of her. For comparison, the salaries essentially flipped, almost exactly... to where I make 2-3 times what she makes. This has become an area of contention because this was something she was able to lord over me for the majority of our relationship, she spent money freely while I paid the mortgage and barely ate for the first 5 years we lived in the house but now, for the first time in her life she has to pay attention to her finances and watch her spending... she does not like this so it's just another thing to constantly complain about and make passive aggressive comments about the things that 'dad' can afford to do/buy but doesn't (mainly because I'm paying the mortgage and all the bills now while finally paying down some debt).
Oh, I should probably also mention that it's a regular thing for her to insult me and put me down in front of our son and on flip side of that she also uses him to garner sympathy from me ("shouldn't daddy feel bad mommy has to go to work?") it's very frustrating because I just want to protect my kid but I guess she knows that.
Again, I'll apologize for how disjointed this all is... the more I type, the more I think about shit to type... like I mentioned, I could write a novel on this, mostly because I have no real outlet, just sit in my basement talking to myself about it all... or I guess stewing in it.
So, I guess I should try to finish off with what exactly the advice is that I'm seeking... I essentially hate my wife, the word I use often is 'despise' and over the years we've had brief conversations where I've told her that "I'm done and I'm just here for the kid" and unfortunately she took this as push to work on our marriage harder and 'fix' things, far too little, too late. She makes me feel like the worse person in the world and yet I just can't bring myself to say to her face that I want a divorce... I feel sorry for her, fuck so much so that I bought a house with her, married her, and had a fucking kid with her... I'm sure that's not the case, I must have loved her at one point but I just can't see it anymore. I don't know why I can't say it to her, why I can't just end this... I'm so worried about how she'll react, what she'll do to me, to my kid... how she'll try and turn him against me. I'm just paralyzed with the fear of what could/will happen if I tell her we're getting a divorce.
I've made plans over the last few years to move out, rent an apartment for me and my kid and just continue to pay her bills until we can sell the house and split the profit. I can't afford to do this, it would cause me to go back into debt but I do not care, it would be worth it to get away from her. I have set deadline after deadline... "I'll do it after Xmas" or "after her birthday" or "before my birthday" and these days come and go and I just can't do it... I don't know what the hell is wrong with me, it's like I just don't want to hurt her, even though I'm hurting her by not ending things and she definitely doesn't give a shit about hurting me... I just don't want to face her and deal with it and how she will make the aftermath hell.. and I worry so much about my son, it would have been so much better for him if I would have divorced her years ago, he's fucking 10 now... another fear is having to explain it to him but we're setting a horrible example. One of my wife's favourite ways to use our son against me, is planting it in his head that "family is all that matters", focusing specifically on our little family, and how we have to "stick together no matter what, that's what family does". It's such an underhanded way to prep him for hating me because I'm "breaking up our family".
I would appreciate any advice on how the hell I can get over my paralyzing fear and just end this marriage or maybe you wanna come over and end it for me? I'm at a point where I'd take that... as I mentioned I've not shared most of this with anyone... so feedback would be a really new thing for me.
Oh, and please feel free to call me chicken shit, and tell me I just need to grow a pair and get this done... it's the same thing I've been saying to myself for years, not helpful but I understand the sentiment.
Shit... I'm sorry, this turned into a novel. Thank you.

-About 10 years ago, I bought a house with my parents. They contributed 1/3 of the purchase price in cash, and I took out a mortgage for the rest (and paid closing costs). I am the only name on the deed, so the house is legally mine.
-I lived with them in the house for a couple years. After I got married, my spouse and I moved into into a condo that my parents own near our work (the tenant had just vacated and it seemed like a good opportunity).
-So my parents are living in my house and my spouse and I are living in my parents’ condo. The arrangement is weird, but has worked fine. Parents pay for maintenance/repairs on the house, and I pay for maintenance/repairs on the condo. We don't pay any rent to each other.
-Years passed, and my wife and I now have a child (with another on the way) and are ready to buy our own house. Our plan is to pay off the mortgage on the house I bought with my parents, and buy our new house in cash or mostly cash. We are meeting with our financial pro in 2 weeks to discuss.
-My parents want to continue living in the house we bought, but I have a lot of equity locked up in that house, and will also be on the hook for taxes/insurance even if I pay the mortgage off.
-What should we do now? Should we just continue paying taxes/insurance and wait to sell the property until my parents are no longer living there? Should we exchange titles (they get the house, I get the condo), and then I sell or rent out the condo? I know we need to have a conversation, but I want think about what's fair ahead of time.
-I’m strongly leaning towards just letting them live there and paying the taxes/insurance. We are debt free and are very fortunate to have a high household income ($500k+), so it won’t destroy us financially to do so. That said, having so much equity locked up in a house (versus the market) will mean that we’ll lose wealth-building potential in the long-run.

Okay I’m gonna try to make this as short as possible without missing any big details.
Background: Have 2 young daughters and am no longer with their mother and haven’t been in 3 years.Been with my current girlfriend now for about 1.5 year. Been working in a warehouse job for almost 3 years now $35/hr 40-50 hwk. I lived (alone but had my two daughters every weekend) in an apartment near my job. Breakup with my ex was a bad situation and we were in and out of court for 2 years and still am. In the beginning I made irrational decisions in attempts to hurt my daughter’s mother emotionally. It quickly cost me my time with my children and I went through a lot of therapy and treatment to not have an urge to hurt her when I’m upset with her and communicate. I was fortunate enough to be given an opportunity again by my ex to be back with my kids and since then our relationship has been great and our lives have been very peaceful until about a month ago. About a month ago we got into an argument about money because I was paying child support every week and would still give her money outside of that to help wherever I could but I tried communicating to her that her financial needs were causing me to struggle as I had been falling behind on rent and couldn’t keep up with the needs. This all took place over our messages and her response to this was that I started seeing my daughters less so I could work on my weekends. I did not take this response well and I tried to hurt her and threatened her by saying without me she wouldn’t have her house or her car because I was paying those things of hers and that I would stop giving her the money and she’d lose it all. This then led to her filing a PO that I was given a date for but I did not attend because I was admitted to a hospital at the time. I have the paperwork for it all and I’m in contact with a lawyer about getting it all taken cared of. So here’s the problem
I was “fired” from my job for my attendance after missing days while I was hospitalized. I say “fired” but I was given the option to finish the week and the termination go down as me quitting so that I could be rehired. This happened in April. When the PO was granted due to my absence I found out a warrant was also active for me in that county for a misdemeanor charge. I found this out when I started applying for new jobs and began failing background checks. I quickly got in contact with a bondsman and had a walk through process done for the warrant and got a court date. I’ve sinced been back to applying at jobs and doing interviews but the first check I did the warrant was still showing and this was a day after the walk through. I have no idea how any of that stuff works I was just told the warrant would go down at 4pm that day. This check was the next day. So I’m unsure if I should keep applying and scheduling interviews. I also am very quickly running out of resources especially financially as I have not had a check in two weeks. I’ve been homeless before and am prepared to transition into it again but I’m wanting to avoid that as much as possible. It’s definitely a situation of the consequences of my own actions but I want to do the right thing and have no idea where to go from here.

I’m wondering, is this a standard procedure because I’m getting a final demand from them and my mother who helped me due to severe dyslexia with forms sent the form in over a month ago and apparently told her that they are aware of the form being submitted

At one point a year or so ago, VRBO asked to create a property identity for a property we used to live in and now rent out. (I think they found me on AirBnB.) We're not professional landlords, just random people who held onto our previous home in case we wanted to move back to that city. I rented the place out on Furnished Finder and put it on hold on VRBO for the very max days possible.
It must have come off hold, because then I got a notice that someone had auto-booked it for a 3-month period. !! I cancelled it immediately. This was for a couple months out, and I immediately cancelled it (approx 6-8 hours after booking) with an apologetic note to the guest, who responded graciously and did not seem upset.
I called VRBO seeing the "you might be charged a penalty" note, and explained the circumstances. They told me that since it was the first time and was so far in advance, the penalty could be reduced to I think it was $95 (it was definitely under $100). I figured "ugh, expensive lesson, but ok." Then they sent me an invoice for $785.
I have NEVER rented my property via VRBO. The guest forgave me and was only marginally inconvenienced with months yet to plan. I see now that this is their policy, but I wasn't tracking policy changes because I wasn't trying to use their platform. Plus, I keep going back to the fact that on the day of cancellation, I talked to someone who said the fee would be below $100 due to the circumstances.
In addition, I could have hosted the people if the current tenants had stuck to their original timeline, but they haven't, and local laws don't allow me to hold them to it even if I wanted to. So by VRBO's standards of it being out of one's control, I also feel I should qualify. I know AirBnB waives cancellations caused due to a guest overstay. However, my attempt to ask for a waiver didn't go anywhere.
It is all very frustrating, and I have not found it easy to communicate with their telephone help team.
Advice? Any tips to revolve this? What would happen if I were to just cancel my account and walk away?

Hi,
I'm moving to Manchester from Ireland in September and looking for advice on housing assistance payments. I'm going to be renting on my own, and will probably have a 23-25k salary when I land a job. I was wondering if this would help me qualify for housing support? I'll be living alone.

I choose this platform to say sorry to a person I hurt 15 years ago. I know we have our own lives today but I would like to take the courage to say sorry. For me to also move on and validate the feelings I had this moment. I'm not a good writer but I want to share my story. Do you guys experienced having no memory of a certain situation in your life? It's like you remember the person but not fully apprehend what "really" happened to both of you? Seems like there is a missing puzzle in the big picture? It happened to me and realized everything after all the embarrasing things I did. I was like acting the victim before and not knowing I am to blame after all. Year 2023 when I came back in my country, I'm working overseas by the way. As I went home, I declutter my personal things and there I saw some letters wayback 15years ago. Letters during our retreat activity college days. I read all their sweet messages and I stumbled to read a letter written by my crush. After reading his short and sweet letter I'm sobbing. Tears rolling down my cheeks and asking myself, what was my reaction when I read his letter before? Like what did I do?!! Did I read this? I'm thinking so hard searching for answers in my head about his letter but got no answer. It was so vague to me that I cannot find the answer I'm looking for in my mind and in my memory. All memories and emotions were bleak during that specific time. Throughout the day, all I'm thinking about was his letter. Thoughts like, yeah, I do have a crush on him during college days and it is too impossible that I disregarded that letter. I'm thinking crazy things already about his letter yet I cannot remember what really happened. I contacted my close friend who's been with me since college. She's like my sister from another mother who knows everything since college days. I started the convo sending her the letter he wrote for me and instantly she recognize who wrote it. She even ask me what did I do when I read the letter before or did I even bother to read the letter? I told her I cannot remember what I did before but one thing that's clear to me was our friendship seemed to drift away even before the graduation day. That's why I was'nt able to contact him after graduation day till up to present. Thinking, I was just the girl who just learned that the guy I like before, liked me back after reading the letter, my friend give me a silly suggestion of giving him a PM. Yes, we are classmates, friends during those days. He was on my list of friends in my socmedia yet after all this years, I never sent him a PM. I just wanted to say hi but I'm too embarassed to do it. Overthinking stuff and crazy ideas crossing in my mind. Then all of a sudden I saw in my screen 11:11am, immediately type hi and hit send button. Feeling embarassed that I pm-ed him first at the same time doubting if he still knows me, I'm too anxious in wanting to have or not to have a reply from him that time. Morning the next day upon checking my phone I got a reply from him, 👍 at 5:55am. Being weirdo again all I did was to talk to myself early that morning to give him a reply or not. I'm thorn of doing so or what. Then I just decided to give him a message of asking how is he, introducing myself, hope he's doing okay, message him because of blah, blah then wishin him luck and good day. Ugh, still embarassed. I thought it will be the end of our convo but he replied back saying he's doing okay. He remember me saying I'm his classmate and I'm happy that he's doing good now in his new career. He also ask how I'm doing and what do I do these days. We exchange 4-5 convo until he stop responding. I'm like yeah, that's it. I'm sure he's busy and I understand his profession demands time but I also want myself not to expect anything in REALITY. I'm being too emotional as of the moment that all I got to think was him and his letter creating imaginary things between us. I'm a rational person so as I pacify myself and calm down the thoughts in my mind, I decided to write everything in my journal. As I write down my thoughts, the question of how's and why's, slowly I remember everything that happened 15 years ago. I clearly remember the thoughts I had, the decisions I made and how I ghosted him.
Circa 2009. 4th year college. I have a guy friend who's my classmate during 3rd year since we were block section. He's also my block groupmate. Maybe we became close because we were together most of the times. He's tall, lanky, sweet, caring, funny and brainy. He's the type of guy who only bring a notebook in the room, I never saw him with a bag in normal schedule of classes but hey he always pass. And as a cheapskate college girl, I used to take down notes and do everything as I can to not spend extra penny. I become aware of him being sweet to me by borrowing my notes saying she can understand my handwriting, sitting beside me on classes where sitting position is not required, going to library doing group activities, walking side by side in school aisle and seeing him giving me a sweet smile. Getting him caught staring at me then he will just smile mirorring his eyes. It seems like normal things right? But I can sense there is something behind those small gestures. I also shared this to my friend that I can sense there is something about him but he never confirm anything at all. He was never even bothered when he knew one of my girl friends told him she had a crush on him. I got a little jealous during that time, I even got jealous on her friends that were beauties during college days. He was a friendly guy but knows how to be a gentleman. Since, no admission of feelings in his part we continued to be good friends, him still giving the same care and treatment to me. I can't remember if it was 2nd trimester when we had our retreat activity. It was months also before our graduation day and then after that will have our in-house review for upcoming board examination. Everyone is excited to attend the retreat because we can give a rest on our tired minds. We rented a good place with a perfect weather during that time. During our last day, the last task given to us is write a letter to each person in your group. He was my groupmate during the retreat. We can read the letter after the activity or if we have time to spare. I decided to read mine when I got home. Me and him are still good during that time. When I arrived home, I started reading their letter, I read his letter last. His letter goes like this,
A_____, " I have met you on a cloudy Monday and now you never knew how much I loved the rain." Your a gentle child and very sincere. You are very concern to all the people around you and thats what make you different from others. You can carry things up and I know you can make it. Goodluck and Godbless. I am just on yourside waiting for you to tap me and call my name.
I'm shocked yet relieved knowing that what he's doing towards me is confirmed in his letter. It might be a indirect confirmation but I think it still says so. I'm happy to know he's not just a friend caring for me but someone special who took care of me all this time. But as my happiness took over me, that feeling of anxiousness and cowardice envelops my entire body. Confessing his feelings, then now, what? What will happen in our friendship? How do I face him, as I am shy girl before? If I tell him I like him too, what will happen to us? Graduation day is in the corner, inhouse review is giving us pressure, licensure examination will happen in next few months and I need to focus, to study to pass the exam. Those were my concerns at that time. So, I made up my mind. Without giving him any answer, without telling him what I have in my mind, without him knowing what I really wanted to say despite the concerns I had in mind. I let him go without telling him what I feel towards him that time. Following days at school, I started avoiding him. I dare not to look at him directly in his eyes. I never got to talk to him about his letter. And as days passes by giving him same treatment and distance, I saw him once looking at me, his eyes saying like giving up. From then on, our friendship drifted off. I never got to talk to him in our graduation day, even in succeding events after our licensure exam. I did pass my licensure, he also did. I'm not expecting he will talk to me or greet me if ever we crossed our path again. He was my first love. But I never give him the chance. There might be a future for our relationship but I never gave him a chance. To my lovecrush, I am sorry for ghosting you, for not giving you a chance, and for leaving you hanging-up. I know I'm a big coward, selfish, self centered and faint hearted person when it comes to you. Confessing and telling you what my heart wants before will NOT/NEVER change anything now. But I wanted to say this for me to let go of the feelings that I still have for you. Lovecrush, I like you too. I care for you too. I did become a scaredy cat before telling you my true feelings are but know that after all those days knowing you like me too, I always think of you. The heartbeak I give to myself and to you, left me no choice but to suppress the pain and convince myself to forget the painful choice I made. Thank you for letting me feel how special I am in my own way. Thank you for being my green flag.❤️ Thank you for being warm, caring, thoughtful and loving friend.🥰 Now, I will never ever forget the memories we shared before even if it brings joy and pain. It is now my treasure. Thank you so much lovecrush. 🥰 You will always be my first love and first heartache.🙂 I know you can make it in life. You're such a kind hearted soul. Wishin you all the best in life! Takecare as always. Godbless!🙏❤️

Hi Reddit, throw away account for obvious reasons but y’all are a lot cheaper than therapy so here we go. I know this is long but I feel that the context is important.
TL;DR - I need advice for how to tell my mom that I intend to go no contact with my mom because I can’t deal with her husband’s alcohol fueled innappropriate behavior in my life anymore especially now that I have a family of my own. I already had a long heart to heart explaining where I’m coming from and she appeared to understand and even agree, but she still makes excuses for her husband.
I (31 F) have a young daughter only a few months old. My mom (57 F) has been married to my stepdad (60 M) for 28 years, and I’ve never gotten along with him. He’s an alcoholic, and for lack of a better description, turns into a belligerent asshole when he’s drunk, which is of course all the time. He’s extremely inappropriate and vulgar in public and even at important family events (weddings, funerals, etc), and generally makes everyone, including his own family members uncomfortable. Unfortunately, my mom has been with him for so long that she makes excuses for him, and is constantly manipulated by him. There have been prior domestic violence incidents where I’ve called the police, and she lies for him. They’re both retired, and she’s super intelligent so is constantly wanting to learn new things, but he prevents her from doing any hobbies or additional education that makes her happy - especially if alcohol isn’t involved or if it’s inconveniences him.
So this weekend, both of them flew in from out of town - we live almost 1,000 miles away across a few states - to spend some time with my daughter, and to celebrate my birthday and Mother’s Day. We also scheduled our daughter’s baptism for this same weekend so my mom could attend since she’s recently taken up an interest in my religion.
I knew there would be a problem pretty quickly after they landed. We have small a local airport only 10 minutes away from us, but they always choose to fly to a larger international airport in a different state, rent a car, and drive over 2 hours to get here. There was an issue with their rental car and my mom started texting me to complain about it. I tried to brush it off and not get annoyed, but this happens every single time they come and there are obviously more convenient options. It took them over 3 1/2 hours to get to our city from the airport and I get texts like “omg we finally just now made it to our airbnb”.
I called her and it was clear that they had been drinking either on the plane, in the airports, or more likely than not, both - even though it was barely noon. She was annoyed and asked about our impending dinner reservation, which was several hours away still. I asked if she was going to come to our house to see her granddaughter beforehand, but she wanted to “relax” at the airbnb (aka drink more) and that my stepdad was trying to find a last minute barber in town because he was apparently unhappy with how his hair was overgrown. Never heard him mention a barber in my life so this was extremely strange to me.
A few hours go by and we’ve got about 30 minutes before we have to leave for dinner. I get a text from my mom asking if we can go pick her up at the airbnb alone. Due to my stepdads history I asked if everything was ok, and all I got in reply was “no”. I sent my husband over there and she was waiting on the street. When she got in his car and he asked if she was alright, she jokingly said “oh well I’m single now”.
I didn’t get much info out of her except he was “cranky” about their travel day and mad he couldn’t find a barber - again - so fucking random. They had gotten into a verbal altercation and he locked himself in the bathroom for over an hour. We’re talking about a 60 year old man here.. some people never grow up I guess. So she comes to dinner with the rest of our group of family and friends and acts like everything is ok. I tried to insist that she stay at our house that night because I didn’t feel that it was safe, but she went back to the airbnb anyway.
When she got back there, my stepdad and their rental car was gone, and he had turned off his location from her view. I called her and had a long hour conversation about how this behavior isn’t ok, that he’s manipulative, and that we’d be happy to let her live with us if that’s what it takes to get her out of this toxic relationship. She cried and agreed that what he does isn’t ok and that it’s a huge struggle for her and said “I’m not 100% sure but I think this is it for me finally”.
I wasn’t happy that it had come to this but I was glad to have a breakthrough with her, and be able to be blatantly honest. Also needs to be mentioned that when I talk to her on the phone, it is ALWAYS on speaker and he’s listening in. Even if he’s in the bathroom, she asks me to recap what I said if he comes back. Not just me, other family members notice this too.
While on this hour long conversation we talked about how he is no longer invited to my daughters baptism the next day or to my house and I offered to have my husband and I tell him ourselves, which she insisted that she wanted to handle herself to “soften the blow”.
So all this transpires, he apparently came back to the airbnb very late and apologized to her, and today she attended my daughter’s baptism alone. She was clearly upset about his absence, but I stood my ground. She asked if I had changed my mind about the rest of the weekend because “he was so apologetic” to her, and I again said no. It’s not the first time and it won’t be the last time but I’ve had enough over the last 28 years of him manipulating my mom. While we were packing up to leave the church she told me that she would probably be spending time with him because “he wouldn’t be ok” hanging out alone for the rest of the weekend. She also suggested that she would try to fly out again in a few weeks alone after the dust settles to spend time with me and my daughter.
When we were walking to our cars, my mom was borderline crying, didn’t say goodbye to me or my daughter, got into the car (she hitched a right with one of our friends since we didn’t have room in our car) and left. She didn’t come to our house, she didn’t show up for our planned lunch reservation, and she hasn’t said a word to me since.
At this point even if she does reach out and not just fly home in the next few days I’ve decided that the option is 1) she can be a part of my life and my family’s life if her husband isn’t around or 2) no-contact. I wish I could say this is the first time I’ve gone no-contact with them, but there were a time period over 10 years ago that I didn’t speak to them either and that lasted 3 years.
I know she’s not going to take it well when I tell her, and I’ve accepted the fact that she’s likely going to stay with him even if it means never seeing her granddaughter again. Or IF I get to tell her at all since she is not talking to me. Her airbnb is literally 1/2 mile from my house and we can see each other’s location so I know she’s just there with him and ghosting me.
So now I feel that I’m in a stalemate waiting for her to talk to me, just so that I can tell her that I can’t have her as a part of my life if her husband is always tagging along. I also want to make it clear that while I think it would be better that she divorce him, that’s not the ultimatum I’m wanting to communicate to her.

Stats:
$10K in checkings
$30K HYSA emergency fund
Employer puts in 7.5% of my salary to a SEP IRA
Max roth IRA
Income:
$3,800 disability
$2,000 from rent
$7,800 salary
Total: $11,800
Expenses: Mortgage 1 (rental): $1,600, 3.15%, $100K left
Mortgage 2 : $3,300, 7.125%, 487K left
Utilities: $300
Car: $300
Food and random stuff: $700
Total: $6,200
Me and my GF want to save for a house that we can buy in 7 years or so when we plan to have our first kid start school and move to a good school district neighborhood.
We are both putting 2k a month each ($4K total) into Vanguard Target Retirement 2030 Fund, VTHRX.
With my extra money around, $3.6K a month, am I better off putting it towards my 7.125% Mortgage or into the market?

NJ
I currently live with my parents in a unique mother-daughter style house since they are divorced. My dad lives in one part of the home and me and my mother rent the other part of the home.
Our household also includes my 15-year-old dog who is 22lbs, who unfortunately lost his sister two days ago due to health issues. My mom recently received approval for a home health aide to assist her, so I made sure to create a secure area for the dog to stay in to prevent any disruptions, he was in the living room in my mom & I part of the home, behind secured gates.
However, I received a call from the home health aide today informing me that my father deliberately let the dog out, the home health aide said my dad came into our part of the home, went up to the gate said the "dog has to get used to you" and allowed the dog out. As a result, the dog ended up biting the aide twice after running up to her.
I am still at work and unable to assess how bad the bite was, the Aid declined to say anything more other than the dog bit her twice.
I'm concerned about the legal responsibility in this situation, considering I tried to take all necessary precautions as the pet owner to secure my dog, but was undermined by my father who made a decision to allow this to happen.
I'm feeling overwhelmed by the situation and worry about the possibility of the home health aide taking legal action against me.
I am currently trying to save enough money to move out of my house because my father is incredibly abusive anyway and am in the process of filing bankruptcy and cant afford to pay any kind of settlement if the aid does decide to sue.
Do I have any recourse here? What should I do to protect myself and my dog now and in the future.

Hey everyone! I've been playing not so berry for a few years on and off. Recently, I got back into it at Gen 8, and I'm finally at Gen 10! I never play legacies so this was a real challenge for me. Most of my gens had drama to keep things interesting, but I'm currently struggling with my blue gen heir - Blue Berry (her mom Ivy thought the name would be funny and it ties into my mint gen heir being named Mint lol).
I think it's the 'perfect life' that makes it difficult. Her life is far from perfect but in her mind it is, and I think that's what matters. Blue is married to her childhood friend Darren and they currently have three children together - Mercury, Venus, and Mars (all girls). Blue is currently in university so she can jump start her career, while Darren works as a teacher. They live in a small blue house in Newcrest.
From an outside perspective it may seem like Blue doesn't have a 'perfect life' since she had Mercury as a teen, but Blue has always known she wanted to be a mother, and everyone was supportive of her including Darren (the father). I like the way her story is developing, but I'm quickly running out of ideas and motivation to play.
I do have a few ideas of things I'd like to do in the future with Blue:

• rediscover her family lineage + find the family's urns, and make a family graveyard (maybe after the affair)?
  
• have six or seven children (the biggest family of any of my gens)
  
• utilize the community center from Growing Together
  
• have large family photo walls
  
• go on lots of vacations
  
• Tie other gens' stories into hers, like revisiting their old homes, writing books about them (my pink sim Bellerose wrote books for every gen up to hers), having her pick up skills other gens focused on, etc.
  

I love all these ideas, but right now, with her being in university, most of them are not possible at this time. Especially when trying to also raise a child, toddler, and infant haha.
I'd love any suggestions of things you did with your Blue gen, or any ideas of how you worked in the affair through storytelling. I've really enjoyed the not so berry challenge and using storytelling in these sims lives. I don't want to lose my motivation to finish this challenge just because I don't know what to do besides the basic challenge rules. Any suggestions are greatly appreciated!
Side note: I have pretty much all packs except horse ranch, for rent, journey to batuu, home chef hustle, crystal creations, and most kits (besides blooming rooms, bust the dust, and desert luxe).

I was just thinking that I hear Americans blame migrants and immigrants a lot for other things but not housing problems. Mostly I hear about foreign and local investors being the problem. I think these same investors are the problem in the Netherlands but immigrants are the scapegoat. What are your thoughts?

I (M21) currently live with my parents in a small 2 bedroom house. Long story short, I have never had my own bedroom or room due to lack of space. I decided I'd rather sleep on the sofa than sleep in the same room with my sister.
She moved out to uni, I stayed on the sofa because I didn't want her to think she doesn't have a place here anymore. (Possibly a stupid error on my part)
She's come back to stay for 3 months before next year. I've been dreading it because I loose what little space I have. I've not really seen eye to eye with her for a good while so I've not been looking forward to it at all. Last time she stayed here I'd come home from work and argue with her all the time, it was so tiring.
I'm trying to save money for a house (I'm an apprentice pretty much on minimum wage) and I think I'll be lonely/miss our dogs if I rent.
Sorry for the dump, any advice is appreciated. Cheers

Fox Business has an interesting article today on the issue plaguing us all - car insurance rate increases.
Consumer prices rose by 0.3% in April, and while many factors like rent and groceries contributed to this, auto insurance saw one of the most significant increases. Auto insurance premiums jumped by 1.8% in April alone, leading to a total annual increase of 22.6%—the fastest yearly rate ever recorded.
Compared to the beginning of 2021, motor vehicle insurance is now over 50% more expensive. The average rate for full auto insurance surged to $2,019 in 2023, a 24% increase from 2022, and a nearly 29% increase from the previous year. Even basic state-required policies climbed to $1,154 per year.
Several factors have driven this spike:

1. Rising Vehicle Costs: New and used car prices soared after the COVID-19 pandemic due to supply chain disruptions and high demand, making vehicles more expensive to replace and repair.
2. Repair Costs: The cost of vehicle parts and repairs has increased significantly, compounded by a shortage of mechanics. The number of automotive technicians is projected to continue decreasing in the coming years.
3. Insurance Losses: Car insurance companies are trying to recover from steep losses incurred in 2021, a year marked by a sharp rise in fatal car accidents.

Experts suggest that the problem could get worse before it gets better. As auto insurance costs continue to rise, it's crucial for buyers to run the numbers on insurance rates before purchasing a car to avoid any surprises.
This increase in premiums adds to the already severe financial pressures on U.S. households, especially those with lower incomes. If you have any tips on finding more affordable insurance or want to share your experiences, let's discuss in the comments!
Link to the full article: Fox Business News

Okay, please excuse the possible dense question.
My husband and I have a home/auto policy already, both our current vehicles are in his name and we own the house together - the insurance company have him listed as primary policy holder, and I am listed as an insured driver (+primary driver of one of the vehicles)
One of our current vehicles is off to the scrap yard, and I have purchased a new vehicle, this vehicle ownership will be under my name. Am I able to add this vehicle to the existing home/auto policy we have? Or do I need to seek a policy where I am listed as the primary policy holder?
Just looking for clarification, because the welcome package for the new vehicle mentions “insurance showing lien holders name and address” as list of requirements to provide before pick up and that threw me for a loop.

CLICK HERE: To View Property Website
🏢DESCRIPTION: 388 Audubon Avenue is a three-story walk-up townhouse building featuring two large FREE MARKET RENT lresidential apartments and one street level commercial retail space. The apartments can be easily converted into 2 or even 3 bedroom student Housing for Yeshiva University. Both apartments can be delivered vacant.
🛍️ COMMERCIAL SPACE: The ground-floor retail store is Currently leased to a Beauty Salon, with the lease set to expire on July 2025, wich offers an immediate opportunity for a rental increase.
🔨 FIXER-UPPER / UPSIDE POTENTIAL: An excellent opportunity for renovation and improvement exists, providing potential investors with the chance to increase the property's overall value.
🌆 LOCATION: Centrally situated in the heart of Washington Heights. Positioned across the street from YESHIVA UNIVERSITY. The neighborhood offers access to a variety of shopping options and a diverse culinary tapestry with restaurants offering various cuisines.
👨‍👩‍👦‍👦DEMOGRAPHICS: Diverse demographics in Washington Heights contribute to a rich cultural mix, fostering a vibrant and dynamic community.
🚌 TRANSPORTATION: With excellent access to public transportation, including nearby subway stations (such as the #1 Train and A Train) and bus stops, the property enhances convenience for residents and boosts its overall value. The proximity to I-95 interstate, Harlem River Drive, and numerous bus lines adds to the transportation accessibility.
🌟 IN SUMMARY: 388 Audubon Avenue represents a compelling investment opportunity with its prime location, versatile layout, and potential for both residential and commercial endeavors. Whether considered as a fixer-upper, rental property, or strategic conversion, this property holds promise for those seeking to capitalize on Washington Heights' dynamic real estate market.
📊 OVERVIEW: BLOCK & LOT: 2157-21 LOT SIZE: 1,080 sf LOT DIMENSIONS: 18ft Wide X 60ft Deep BUILDING SIZE: 2,880 sf BLDG. DIMENSIONS: 18ft Wide X 40ft Deep STORIES: 3 ZONING: R7-2 FAR AS BUILT: 2.67 YEAR BUILT: 1899
💰PROJECTED INCOME: $102,000.00 💸ESTIMATED EXPENSES: $18,372.00 🧧NOI: $82,628 💲PRICE: $1,150,000

Hey - live in a HCOL area in California. From my and my husband's layoffs last year, we needed to move into our 1b/1b condo...with 2 kids under 4. Not ideal. We're now both employed again, yay!
We really need more space. I'm trying to figure out how to get us into a new place. At the moment, we earn $280k and have 2 kids.
Total monthly expenses at the moment are ~$6.5k, including mortgage & daycare.
"Affordable" single family homes that are 2/1 or 3/2 houses are $650k-$1.2+m. We can do $80k down payment at the moment, but that's a pretty big mortgage. Rents are ~$4k+.
There's an updated triplex for $1m, current monthly rents are $6k/month. We could do that, live in one and rent the other 2 out for $4k.
We really really need more space and prefer to buy. I know time in the market is better than timing. I'm feeling conflicted about buying right now, but definitely need more space

I’ll try not to make this the longest thing ever.. I am 32F and Married to my 33M husband. We have been together for 8 years and have almost 4 year old twins. but my Mother in law is classic in a lot of ways. She’s over dramatic, she assumes any post or meme is about her.. then gets upset and demands apologies. She once banned one of my husbands friends from coming over for a month for not saying hello to her. Acts like all my husbands friends are her “kids” and “friends” and will even message them for help or to talk. she lives far away and only comes around for visits or parties. She has never helped us beyond gifts. She’s never babysat or even been alone with our kids.
My twins have their 4th birthday coming up, we had their 3rd birthday party at my husbands grandmothers house last year and it was amazing! My husband’s grandmother asked many times over the last year to host it again. I had posted to my social media that I wanted to invite some children from the school this year.. my mother in law wanted me to keep it to just family and friends. When we decided to invite some of those kids anyways.. she proceeds to message me and let me know I’m gonna need to rent a Porta potty cause she feels grandmother won’t let random people in the house to use the bathroom. I let her know we had been talking with grammy about it and she said we did not need to rent one. She responded “I’m not trying to be a dick” just letting you know. I wasn’t rude or anything in my response, just to the point. Fast forward to a week ago, we saw my husbands grandmother and confirmed all the details and everything, showed her all the invites.. etc.. (which were very expensive by themselves) we were also showing her the car we had just bought, and surprised her by letting her know we wouldn’t need to borrow her vehicle anymore. Nothing out of the ordinary.
Yesterday I get 4 kids to rsvp from the school for the party, and post about it and our excitement… and two hours later I get another message from my mother in law saying my husbands grandma doesn’t want random people in and out of the house and wants to know if we can go ahead and get that. The party is in two weeks and it’s $300 to rent that. We obviously don’t have the money for that. We also are certain that this happened because she called my husbands grandma and complained about it and convinced her of this.
She has never lifted a finger to help us in anyway. Or help with anything related to the party or raising the kids.. never given any form of real support in anyway outside of Facebook posts and it really feels like she’s deliberately making this harder on us. When she comes over, she talks about herself, her problems.. her nonsense.. so of course she immediately uses not helping as “punishment” as if she’s ever done anything to help us anyways.
Idk. Yall tell me. If I’m wrong, I’ll politely take it.. just don’t be unnecessarily rude
First screenshot is from a month ago, the rest from yesterday. She regularly responds to me like I’m being rude or being disrespectful when I’m not which amplifies at all, I’m sure.
Please, am I the asshole? Or is my mother in law sabotaging my kids day, then attempting to gaslight me for trying to establish a boundary. We talk to this grandma regularly. It’s hard to believe she decided this all by herself