What percent apr can a credit score get

Credit Repair - Improve your credit, your score, and understand how to manage your credit

2008.12.05 06:42 Credit Repair - Improve your credit, your score, and understand how to manage your credit

CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage/loan, investigating unknown information on your report and much more.
[link]


2015.01.26 14:52 Ghost_Animator I bet you will /r/BeAmazed!

I bet you will /BeAmazed! A place to find and share amazing things
[link]


2010.04.19 07:06 FreeArticle /r/StudentLoans: Reddit's hub for advice, articles, and discussion about educational loans

/StudentLoans: Reddit's hub for advice, articles, and general discussion about getting and repaying student loans.
[link]


2024.05.19 00:11 angim350 You friendly barmaid comforts you following the loss of a pet [ASMR Roleplay] [F4A] [grief] [comfort] [sweet] [kindness of strangers]

Hey all!
My second (much shorter) script!
This is based on real events. My childhood dog was put to sleep when I was sat in a bar one time, and the barmaid who served me was so lovely to me about it. She had some mutual friends that I knew and posted about me on Facebook afterwards. I never forgot how nice she was, and was really sad to learn she died a few years back in a car accident :(
In honour of her, and the kindness of strangers, I put together this little script below.
I doubt anyone will want to, but open for YouTube/Patreon etc and monetization. Just credit and link to me :)
Sound of clinking glasses. Maybe some background noise but the bar isn’t too busy.

Barmaid
Hey, what can I get you? Pint of lager? Sure thing, coming up.

Sound of pint being poured.

Barmaid
There you go. [specifies the price – the currency of your country] Thankyou.

Sound of drink being drunk quickly.

Barmaid
Are you okay? Sorry, don’t mean to pry, but you look a little down.

Sound of a phone ringing. More clinking glasses for a second.

Barmaid
A shock of straight whisky? Urm, okay. Here you go. Look, are you sure you’re okay? It’s just, you’re on your own, it’s midday, and you’re downing whisky. Plus, don’t often see people your age in here.
(softly)
You may have noticed, our cliental is a bit older than you.
(louder)
No offence, Brian. You still look no older than 50!
(softly)
I swear that guy was coming in here before they invented the TV.

Sound of a drink being drunk quick. A bit of a gasp.

Barmaid
Yeah, that stuff is pretty grim on it’s own. Would you like some water? What was that? Oh no, really? I’m so sorry hon.
(voice softens)
When did it happen? Just now? That was your Dad on the phone? Oh, honey, that’s really sad. I don’t think a lot of people fully appreciate how much pets are a big part of our life. Here, let me get you some water.

Sound of water being poured.

Barmaid
There you go. Drink that. Trust me. You’re too young to be downing whisky like this. It’s okay, you can have a little cry if you want. Nobody’s going to mind here. We’re really not that busy. I just need to dry these glasses.
(beat)
Nope, I don’t have a pet. My arsehole landlord won’t allow them! My mum has a cat though. To be honest, he’s a right vicious sod. Scratched my arm last week. But she loves him to bits. He gets better food than I do! Was yours a cat, or… a dog? Aww, I love dogs! They’re tying, but they bring so much love to a house. What breed was yours?
(beat)
A boxer girl? Aww, they’re awesome dogs! So funny. Great with kids. I’m guessing you were young when you got her?
(beat)
10? Aww man, I’m jealous. I always wanted a dog but mum always said no. Said they were too messy, but I could have a goldfish. Won one at a fair once. Ended up down the toilet two days later. Sorry, I know I’m rambling on. Do you want to be alone?
(beat)
Well, I’m just here then. You can tell me about your girl if you like. What was her name?
(beat)
Sorry, I misheard… Crotchet? That’s an, urm, unusual name. If you don’t mind me asking… oh, you mean like the music note? Ahh I see! You play piano? Your sister’s idea, eh? No, it isn’t silly! Come on, my mum’s cat is called Miss Kitty Fantastico. Yeah, really. No, I don’t know either.
(beat)
You got her when she was eight weeks old? Aww I bet she was so cute! Yeah, I’d love to see a photo! Aww, look at her! I bet she followed you guys around everywhere! I can see her in the sea there with you two! Dogs love swimming, don’t they? Oh, boxers not really a big fan of it? Looks like she didn’t want to leave you guys alone in the scary water then! Bet you’ve got lots of stories about her. What, a ‘famous poop’?
(beat)
Oh my god, no way! So your mum picked her up mid-poop to try and stop her? Bet it went all over her carpet! Haha, I’m not surprised she was fuming! Sure she was a good girl when she got older, though?
(beat)
Haha really? She just sat down mid-walk and refused to move? You know, my uncle had an old lab once that used to do that. They’d get half way up a hill near his house and his dog would just sit and stare at him. He wouldn’t budge until my uncle turned round, then he’d jump up like a snake had bit him. He was called Bullet.
(beat)
Yeah, Bullet slowed down a lot as he got older too. Couldn’t be bothered to get out of his chair. Crotchet was the same? Bet she thought she was royalty. Awww, look at her on the sofa. Yeah honey, she does look a bit ill there. That’s her last photo? Aww, bless her.
Well, from those pics it really looks like she had a great life. She was clearly adored by you all. It does suck that we have to lose them so soon, but if she was in pain then at least she is at peace now. Aww, it’s okay, please don’t worry. You have a little cry. There, there. It’s okay.
(beat)
It’s hard today, but eventually you’ll focus on the good times. The times in the park, that day on the beach, her ‘famous poop’. You were blessed to have her there with you to grow up with. Bet she didn’t like it when you cried, did she? She wouldn’t want you to be sad. And I’m a firm believer that the ones we love never truly leave us. You feel sad now, but just picture here there, watching over you and wagging her tail.
It’s probably the last thing you want to think about now, but one day you may get another pet. They’ll be different, but they’ll also do little things that remind you of Crotchet, and you’ll smile to yourself. My uncle got a little Dalmatian called Freddie and they’re inseparable. It’s kinda funny.
(beat)
Okay honey. You go. Take care of yourself, and I’m sorry for your loss.
submitted by angim350 to ASMRScriptHaven [link] [comments]


2024.05.19 00:11 Dear-Cockroach-6979 Wouldn’t mind some advice…

(Sorry, it’s kinda long)
Hey everyone,
A bit about me: I grew up in a toxic household with an alcoholic abusive single mother. She had anywhere from 15-20 stray cats in our home that she spoiled and loved more than me. She sure made that clear! My father left me and my mother when I was two years old and he never came back. I was put into the California foster care system at age 13 due to my mother being reported multiple times by my junior high school counselor. From there I went to several mental hospitals, lockdown facilities and group homes up to my 18th birthday. I was diagnosed with bipolar disorder and major depressive disorder back in my adolescent years. I haven’t been evaluated as an adult but I’m sure I would be diagnosed with MDD if I were.
I have spent almost my entire adult life doing nothing with myself. I spent a lot of time early on sleeping in my car and showering at my friends houses. My grandma in Arizona helped me out a great deal and let me stay with her and find work, and I was proud of myself although I was working a menial janitorial job at a casino. I’m pretty tech savvy and skilled with automotive repair but I never pursued further education. When my grandma passed away in 2007 I got severely depressed but I managed to get a place to live with roommates and held down a full time job, again at a casino doing janitorial work. Developed a gambling addiction and an alcohol addiction. Got a DUI in 2008 and that started my legal troubles. Lost my place and lost my job.
I slept in my car and worked at casinos doing menial work again. Met a woman at one of the jobs and got married April 2010. She had a few kids with a bunch of baby daddy drama, and I couldn’t deal with it so I just walked away and the divorce was finalized by the end of the year. I stopped drinking after that. From there I kept working until 2011, when I decided to quit my job, take my old Subaru XT and hit the road. Went all over the southwest US sleeping in the car and exploring, got a few tickets for no insurance, got my license suspended for said tickets and also for not paying my payments on the DUI. I got to Albuquerque NM and my car finally croaked on me. Transmission failure. Slept in it for a week or so in a mini-mall parking lot until the cops were called on me and unsurprisingly took my car. I was officially a street person at age 26.
I spent several years hitchhiking, panhandling, dumpster diving, hopping freight trains and finding spots to sleep or camp wherever I could. I was so depressed that I didn’t take very good care of myself and had no desire whatsoever to try to better myself and dig out of the hole I got myself into. I used to call myself an urban survivalist. I remained in this state of mind until late 2022 when dental problems nearly killed me. I finally found a place to stay in Nevada with a lady I called a foster mother but I had a very hard time getting used to being housed. I got all my teeth yanked and a set of dentures thanks to Nevada Medicaid. I got a job at a car wash for six months but gave up the job due to stress at home and workplace nepotism. I even got a few credit cards and got my score up to 719! Anyhow, foster mother was an alcoholic, she started to remind me of my biological mother and I couldn’t stand it anymore. I had a few thousand dollars saved up and moved back to Arizona a couple of months ago.
I am currently at a weekly motel and have been attempting to find any work I can. Managed to get interviews for dishwasher jobs, housekeeping jobs, janitorial jobs and night crew at a grocery store. Haven’t heard back from any of them though. I have half of my savings left and it seems inevitable that I’ll run out of money pretty soon.
I have a good feeling that the ridiculously long gap of employment looks terrible on my resume and that may be a reason I’m not getting anything. I mean, what do I tell the interviewer, that I was a damn bum?
I like to think I’m pretty smart. I was disassembling and reassembling IBM PC’s before I hit puberty. I was the computer technician for my high school back in the Windows XP era. Once I started driving I began teaching myself automotive repair with Chilton and Haynes manuals along with plenty of trial and error. It blew people’s minds when I, a dirty bum, helped get their car back on the road if I noticed they needed assistance. I helped a man I met at a park and did an engine swap on his Nissan Xterra over a couple weekends in exchange for new camping gear.
I can’t get work as a mechanic or do any driving related jobs unless I get my license back and it would take a LOT of money to get it back. On top of that I have to have an ignition interlock in any vehicle I drive. I wouldn’t mind getting into computer repair but I don’t have the certification to do so, and I’ve been out of the loop for a long time. I have a MacBook Air M1 and wish I could learn a way to make money with it like some sort of remote job but that seems impossible to me at this point.
For the record, I still don’t drink and I’ve never done a hard drug in my life. I haven’t smoked weed in months so I am able to pass a drug test if I were hired somewhere. Also, I have no felonies whatsoever on my record. Some people like to be stereotypical so I figured I’d throw that out there.
I guess what I’m asking is what should I do at this point? What path would you take if you were in my shoes? I won’t lie, suicide has been on my mind a lot lately. I don’t have many friends and I don’t have any family to talk to. I don’t like being a burden on anyone. Should I just accept that I’m gonna probably be homeless again, possibly for the rest of my life? Is there anywhere in the US that I could possibly get back on my feet with some sort of labor work and a place to sleep? I’d move anywhere if I knew I had a shot. Am I a lost cause at age 38? I’d love to hear some ideas!
submitted by Dear-Cockroach-6979 to depression [link] [comments]


2024.05.19 00:10 Cold_Environment_235 max credit hours you’ll work and why

So, doing my first month in June where I have 120+ credit hrs/flight hrs scheduled for 18 days of flying. Right now looking at it doesn’t seem so bad, but before was on reserve and wasn’t getting called in, so now I can make more money which I’m extremely thankful for.
But I’m curious, what’s the max amount of credit hours you’ll work, and why?
At what point (credit hrs wise) does you, or your body simply say… “oh hell no. Can’t take this anymore”
It’s my first month actually flying high time so I’m curious! And at which point do you really start feeling it. I hear some do 150-170 a month on the regular. Maybe 120 isn’t even considered high time but no one else at my base likes to fly that much.
What do you do to keep yourself energized or on point flying this much? You’re non negotiables.
Anything I should be prepared for? Thanks!!
submitted by Cold_Environment_235 to flightattendants [link] [comments]


2024.05.19 00:08 brevitycloud Advice for upcoming WA1440

I signed up to a WA1440... It's next weekend. I'm a lady Recurve archer on 30" limbs but long draw so prob 32ish".
Ive been shooting just under a year and have done a couple indoor competitions. I didn't fully understand what wa1440 was when I signed up. Im aware it's 144 arrows. That you start shooting at a long distance and drop down, moving onto smaller target faces too (at 30m?? Though some sources say 50m eek?), but I thought I could choose what distance I shoot at. Ie 60/50/40/30 would be perfect.
Ive been shooting not embarrassing scores at 50m since we moved outdoors. I shot 60m for the first time today and "hit the boss reliably" which I'm happy with but not high enough to now want to shoot at 70m. My sight is on 8/10 at 60m (shibuya ultima)
Buuut am I expected to shoot at 70m next week!? I don't know how I'm going to be able to manage that without too many misses and idk if I'll even reach the target with the sight maxed out. Can I decline to shoot a distance? Shall I give it a bosh for the lols? I don't want to hamper the experience of other archers around me, I just want to have fun and push myself a bit.
Also do I have to wear green and white? I don't have clothes of that colour-- no idea where I'm meant to get them from!
I have some 34" limbs which I've used off and on. I can do around 40 arrows on them before I need a rest, so I'm hesitant to use them for the comp. also I'm not super keen on recalibrating everything so close to comp.
tldr... am I too under prepared for this and should I withdraw
submitted by brevitycloud to Archery [link] [comments]


2024.05.19 00:06 Sad_Organization9111 Looking for a card for Walmart and Home Depot

Current cards:
Generic bank 1, $20,000 limit, 2009, no rewards
Generic bank 2, $8,000 limit, 2011, 1% on everything
Apple Card, $13,000 limit, 2019
Amex BCE, $18,000 limit, 2023
Citi CC, $7,00 limit, 2023
FICO Score: 848
Oldest account age: 15 years
Income: $80,000

Average monthly spend and categories:
dining $400
groceries: $400
gas: $400
all of my other spend categories are erratic
Average total monthly spend on cards: $2500

Open to Business Cards: not unless there's significant benefit
What's the purpose of your next card? Cashback
Do you have any cards you've been looking at? Venmo
Are you OK with category spending or do you want a general spending card? I'm open to category spending
Greetings all. I was hoping to get some suggestions on what card(s) I should get. Last year, I picked up the Amex BCE and CCC. I use the Amex for gas and online shopping and the CCC for dining. The issue I'm currently having is not getting any rewards for Walmart or home improvement stores like Home Depot. Everything I have just rewards 1% for that. I can't even get 2% from the Apple Card contactless pay, since neither store accepts it.
I know I can get 3% from Walmart if I use the Walmart app, but the hassle of getting out the door makes me not use it. The self-check doesn't give a receipt without bugging the attendant, and I'm not going to hand the greeter my phone.
I saw the Venmo card, and was wondering if that's the best route to get some rewards from Walmart and home improvement stores. Is there a better option? Thanks in advance!
Thanks all for the suggestions!
submitted by Sad_Organization9111 to CreditCards [link] [comments]


2024.05.19 00:04 KamyKeto Pros and Cons of the new Update

The only con I see so far is, I can no longer capture more than one ship during space combat, previously I have captured two (and sometimes 3 I think), during a battle. Now, as soon as I claim a ship, my main ship disappears right away. Previously I was able to quickly pivot and reboard my main ship, make it home ship, and get back in the fight.
Bummer, but not a deal breaker.
Pros, the new surface and city maps are awesome! City maps now allow fast travel right to the door of whatever business you need without having to run everywhere. That's a game changer if you just sucked down a neurojack for some research and find you are missing a component or two. Just fast travel to the appropriate store, buy what you need, fast travel back, and your neurojack (or synapse alpha) is still active!
I've got the fame tuned for max difficulty now and it is much more intense. (Including less credits at vendors.) I'm on xBox series S so no frame rate increases for me (also a bummer).
Love the food and drink buffs/debuffs. I keep tranquilitea favorited for a quick drink, now to find a new favorite food item to hot key too.
Anyone have any favorite food items they're using with the new update?
submitted by KamyKeto to Starfield [link] [comments]


2024.05.18 23:56 MoonCollision73 My family drives me insane.

So I, 22 M, have a pretty messed up home life, I'm visually impaired and the nearest city is a dozen or so miles from our house, my mom is the only person who drives and because of my disability I can't work most jobs, so getting around is rough.
I am trying to get my GED though but with little progress, I was pulled out of middle school at 13 essentially forced to drop out because my father was afraid his abuse toward his family (me and four others) would be discovered by authorities or our schools would get involved.
He then trapped me into living with him through the covid-19 pandemic until 2022 just before I turned 20 where I moved into a friend's house who soon betrayed me and left me on the streets. From there I was on the streets for about 3 months until I was able to fly out to live with my older brother who put his hands on me and got me kicked out of my next place to live after only 3 weeks of living there. And then lived in a homeless shelter until flying a couple more times and ending up with my mom, whom my father's side of my family had brainwashed me all my life to believe she was a horrible person, in truth she's not the greatest but she is much better than they made her out to be.
Now I've been living with her for a while, but things couldn't be worse, due to a volatile relationship between my mom and my little sister, my little sister ended up crashing two cars and landing my mom and stepdad and massive credit debt, everything came to a boil when she went off on Christmas and got herself kicked out, my little sister was the only other person in the house who could drive as my stepfather is out driving big rig trucks all over the country.
So now it's me and my mom, but then my little brother goes and gets himself kicked out of his college dorms, but thankfully he's now getting paid himself and we've banded together as far as finances go but that's not what I'm here to complain about.
My mom, 41 F, goes to work nearly all the time because she's trying to pay off the crippling debt her daughter left her with, leaving me and my younger brother (20 M) to do chores around the house and occasionally babysit our younger step brother (9 M).
Things can get pretty hectic and you have to add to the fact that we live in two separate buildings, have over a dozen pets to take care of on the daily, and we both have our own separate chores we have to take care of individually.
For example I have to wash the dishes, make sure the kitchen is clean, take out the trash and take the trash out to the curb once a week before pulling it back in the next day so that we can start loading more trash into our cans (God forbid I forget to do so where it's a shitstorm), additionally since I live in a separate building I have to clean half of it which is pretty big but mostly it's just some random food trash laying around although on the occasion we do have large amounts of styrofoam and boxes as we get a lot of packages, our space is also cramped and my brother barely ever cleans his space because he can't focus on cleaning with ADHD that I get but it is annoying as I have OCD and can't stand dirty spaces, that brings me to another problem of his, he barely ever does his chores and since he doesn't do them I'm basically the only person who can pick up the slack so I have to start doing his chores sometimes, cleaning his side of our building, cleaning the bathroom cleaning the floors ETC.
We also have to do our own individual laundry and I want you to note that I haven't even gotten into the biggest issue, we have three dogs but one of them is out on the road with my stepfather so we have two dogs to take care of but one of them is large and mostly untrained so she poops in her cage most of the time, we have to clean this up as well as let her out 3 to 4 times a day so that she can use the bathroom as well as feed her and let out the other dog with her who barks his head off and we have to ignore him until he shuts up because if we teach him that he can just bark to get his way out of the cage he'll never stop doing it and it's obnoxious, then once he shuts up we let him out and then we have to make sure that they both been out for at least 15 to 20 minutes each time, there's three cats in the back of the house that need to get fed and watered every day, watered multiple times a day sometimes, when our little brother isn't here we have to take care of his ferret which isn't hard but it's still a task, then you've got our mom's two birds who have a specific diet so getting them fed is a bit of a hassle, she has a tortoise but we don't usually have to check on that, then there's two cats in my mom's room that we need to go and feed individually, any pet due to your pee we have to clean up as soon as we find it obviously cuz that's gross, and she also has two snakes but we don't take care of them cuz she does, and then you have my cat and my little brother's cat who live in our building with us and we have to feed and water them once a day sometimes we have to water them multiple times a day because our cats are weird and love to drink water.
I think you can see where I'm going with this.
We have a crippling amount of chores to do and again that doesn't even cover everything, occasionally we have to go out in the yard and pick up sticks and branches because they like to blow everywhere with the Wind, and we've even had to drag entire fallen trees over into the backyard as well. Then there's the asinine rules that we have to follow. Some of them just don't make sense so I won't get into all of that cuz sometimes it just makes me too angry to think about.
We both pay rent and do our chores as a form of compensation for letting us live here past 18, I mean wow my brother does College from home and I'm still studying to get my GED but like I said due to Transportation issues progress is a bit stagnant at the moment.
I am thinking of doing my stuff online.
But besides the crippling number of tasks and odd jobs we have to do around the house on the daily I also have insomnia that I've never been able to control. My sleep patterns have never been normal and I'll always wake up at a different time every day sometimes sleeping through the majority of the morning and afternoon.
And then when I wake up at say 4:00 in the afternoon I feel guilty because I didn't end up getting anything done, then my lazy ass little brother who didn't do shit wants to sit there and complain to me how nothing got done even though I'm already beating myself up mentally because I slept too long and I know it's my problem, I've tried so many different methods whether it be medicine, herbal remedies, scented candles, soothing music, even tried changing my diet to fix my sleep but nothing helps, I might be able to have a normal sleep cycle for about 4 to 5 days before it ends up messed up again, and so here we are my little brother is complaining again about how nothing got done even though he could have done stuff on his own, and I'm left here to feel like shit while he berates me and I beat myself up at the same time, but to make matters worse my mom only complains all the time about the stuff that we didn't manage to get done and never thanks us, recently though that's changed a bit and she started thinking us although it's rare and I'd like to think that she's making progress and changing so I appreciate that from her but my little brother does not make it any easier, I've even tried sitting him down and having an honest conversation with him multiple times I even did it today but every time I get the same answer "I don't want to talk about this shit i don't care" needless to say my family is driving me insane and I need advice.
submitted by MoonCollision73 to FamilyIssues [link] [comments]


2024.05.18 23:52 feinburgrl Don't say unemployed at HGV presentation

Got a $99 Hilton Grand Vacation package to Las Vegas for 3 nights and 4 days. Total came out to $112 with taxes. Was a good deal. I stayed at the Trump International Hotel. I only had to do a 90 to 120 minute presentation on their overpriced timeshare. It's not a big deal. I went to the timeshare and watch a 15 minute video on the timeshare from Hilton. Funny they talk about Hilton points and no money you will be using at the hotel that you stay. I would say misleading because those points are cost $8k to $48k depending on the amount you get.
When I sat down to talk to the sells person. He ask me what I do. I told him I have an Airbnb and move back to my parents place and looking for a job. They person stop me and he said he needed to get the manager. I was a little confused but I didn't finish what I was going to say. I was going to tell them I do Uber, Lyft and delivery work but because the stop me and went to get the manager I never got to say that. When the manager came over he told me that I am free to leave but need to fill out the paper. I was little puzzle because I wanted to see the numbers of the price. I was there and tols them I wanted to finish but they told me it was okay. I fill out the paper and left. Not knowing what happened I was like okay that was quick.
The next day when I was at the airport getting on my flight I get a phone and it was HGV and that I was disqualify for the trip not knowing about being unemployed but I do Uber and Lyft. Now they want me to pay $800 for the after discount of the total hotel cost $1150 but Expenda and hotel.com charge $140 to $265 but they say I have to pay full price $400. Told them but it was a misunderstanding but they wouldn't and ask if how will I be paying. I was not going to pay for it. My friend that went with me talk to them but lowering it down to $700. He told me that the most is I can go to the HGV packages anymore but he said they can anything else. He also told me they were trying to get him to autherize a charge on my card for anything on file. Now I locked my credit card and report it as lost so they can't charge anything.
Find it weird that these fast talking sells person would let me talk and finish this wouldn't happened. To the people who would say why did I bring up I'm job searching or said it like I did. Well, I like to tell my full story and I wasn't lying about it. If they let me finish then I would told them about the gig work I do. But that is what it is. Moral of the story? Don't go to these cheap timeshare thing, not worth the hassle. 😅
submitted by feinburgrl to Hilton [link] [comments]


2024.05.18 23:49 unorthodoxslothbear Getting out of my rut

I am 20, soon to be 21. Before covid I was a straight A student , slightly overweight but can do my job done. But now I am kind of in a pathetic state , getting below average scores(also 3 backlogs) in my Engineering course which have only two years left. Always had a thought of changing it but I never did anything to improve about it. Now I am seriously fed up of myself and my insecurities. So I have decided that I will change my condition and became a better version of myself. I want to become such version who know about his purpose, goals of life and can also know what's right and wrong for him and for his moral ethics. I will work upon myself. Right now I don't have any particular plan about it but I will create a plan in 3 days. I will post about my progress in this sub-reddit and I am also keen to listening about some ideas from the community. I am not good in writing accurate and grammatically correct English, so please bear it. Anyways peace out.
submitted by unorthodoxslothbear to selfimprovement [link] [comments]


2024.05.18 23:48 AcceptableSet3916 "Jealous wedding guest ruins the money shot": An Essay About The Woman In The Photo

First of all, I would like to say THANK YOU to all of you that showed so much love to my first post ever in Reddit!
Since my girl Millie got too much hate for wearing white and ruining the best photo of the wedding, I decided to write her sad story and share it with all of you. It's a LONG tale, full of ups and mostly downs (TLDR at the end of the post). Sooo, grab some cookies and popcorn while I spill the tea ;)
******WARNING******** The story features what I believe to be unsettling content (pregnancy loss) for some. It's hidden as spoiler, so please don't click it if it's a sensitive issue for you. <3
Our story starts with poor young adult who shall not be named (because I don't remember her name). God (me) had big plans and challenges for her, as she started with 0 simoleons in an off the grid island, with hopes of her becoming a millionaire. She moved in the big island without money, a place to sleep, a toilet, nothing. The challenge goes like this: raise money from beachcombing, buy a towel to sleep on, buy a bush to pee in, snorkel, plant and build a life from zero. And, under no circumstances communicate with another sim.
This challenge was too difficult. The loneliness and hardships, the struggle to just survive and find food, led this young girl to her death by drowning in the middle of the ocean. It was too soon, so God decided to try this challenge again, giving the new sim a head start.
That leads us to the protagonist of the story, Millie Carson.
Millie Carson is a young adult who moved in the same island, like a castaway. All she found on that island was a towel, some planted trees, a toilet bush and a grave.
The ghost from the grave came often to haunt and tease her and finally became her enemy.
At first, young Millie tried to stay away from other sims but, since they kept coming and visiting, God decided that it was ok for her to have some friends.
Millie's neighbors were Miki and Ali, a happy couple with two babies. They kept visiting and bringing food to their poor young neighbor, since she was struggling so much. Millie grew close with Ali, who came swimming to her island sometimes.
Meanwhile, Millie learned some skills that earned her some money and food. She became really good at fitness, gardening and fishing. Little by little, she earned enough money to buy diving supplies and took up some diving photography and treasure hunting. All those helped her build a tiny wood home which finally had a toilet and a shower and even a fridge. Life was getting better for Millie, until she started having feelings for her married neighbor...
Millie was attracted to Ali: his long blond hair, his green eyes and dark skin. To her surprise, Ali was interested in her as well. She tried to fight it but it was over her own power to resist. They made sweet woohoo and became a couple, while he was still married with two kids.
Love makes you do stupid things and that's what happened to Millie. She fell in love with a married man and, surprise surprise, she got pregnant with his kid.
While on her 1st trimester, she visited her neighbolover's home to tell him the news. His wife, Miki, opened the door and the sight was unbelievable: She was pregnant as well, on her 3rd trimester. Millie chatted with Miki as nothing was wrong and even socialized with her kids for a bit. But it was now time for Ali to learn the truth. Millie pulled him aside and told him everything.
To her surprise, Ali was content with being a parent to their child. Millie felt his support and fell even harder for him, causing her to do the unthinkable: Woohoo with him all over his tiny house while his wife and two kids were inside! They woohood EVERYWHERE: The small single bed, the kitchen sink, the counters, standing... They almost got caught by Miki, but hopefully she was so pregnant that it took her an eternity to reach the woohoo spot.
Millie started thinking about their future. Tormented by her jealousy, she asked Ali about Miki. Miki's super pregnant belly was an indicator that Ali still loves and woohoos with his wife, two-timing both women. To her dismay, Ali confessed his love about Miki, but he was willing to keep his relationship with Millie. But that wasn't enough for Millie...
Without hesitation, Millie served Ali an ultimatum: It's her or Miki. No love triangles, no hiding. Her kid needed a father and she needed support as a poor young woman. All those pregnancy hormones made her unreasonable - she came between a happy couple and now she felt that her lover's wife stole him from her, even though they were already together! The irony!
Millie couldn't get over her feelings, so she invited Miki over and told her EVERYTHING. That she was pregnant. That the father was poor Miki's husband. Miki got even yelled at for sleeping with her own husband. Millie was out of control.
Like a tsunami, a force that couldn't be stopped, Millie called over Ali and told him to break it off with his wife. It was now or never. Ali did as told and suddenly Miki broke down crying, hating life and those two who ruined it.
Eventually, Miki left and the.. happy couple were finally alone. Millie asked Ali to move in and he gladly accepted. He even proposed and they stayed engaged until after their baby girl, Angelique, was born.
Meanwhile, even though Miki was hating them, she still came over with extra food like a good neighbor. But her relations with the couple never improved much.
The happy couple decided to get married. Millie wore a pretty but simple boho white dress, hair down and golden jewelry. But her joyful smile was the prettiest jewel she could wear. It was a lovely, quiet wedding on the seashore, during sunset.
Soon after, Millie got pregnant again but wasn't ready or happy for it. Unfortunately, there were some complications with the pregnancy and baby Donovan was born dead. They buried him under a lemon tree and cried for many seasons about him.
Ali started helping Millie with gardening, fishing and diving. But his dream was to finally earn his degree in Communications. He still had 3 classes to pass and then he could enter the PR world. He soon earned his degree with a low to medium score and was ready to start working. There was a huge problem, though...
The island was off the grid and he could not apply for the job, not use the very much needed internet. A decision had to be made: Should they live on this island forever, living off the land, or they should move somewhere else and follow Millie's dream to become millionaires?
The choice was easy. The couple moved to Finchwick, in a big cottage house with a big garden, front and back. They brought with them the plants they had gardened with so much love and also bought some chickens. Life was good for a while, baby Angelique was growing but woohoo life was... fine.
Ali found a job in PR and had to work all day, even from home. He had to polish his charisma and writing skills and meet new people. So, that made Millie a stay at home mom, a gardener, a housekeeper. But there was no time for her lifestyle needs: outdoor living and working out. She became frustrated and was always in a bad and uncomfortable mood. She had gained a lot of weight from her pregnancy, she hardly recognized herself in the mirror...All this bad mood made her cranky. Everytime Ali tried to woohoo with her, she had no drive. So, their love life went down the drain...
Meanwhile, Ali was doing great at work, earning at least 2000 simoleons per day. He had met many people, and one of them became a really good friend of his. His name was Gabriel and he was thin, with black short hair, dark skin and modern makeup.
Ali was tormented by his feelings when he hang out with Gabriel. He couldn't understand how a man can be attracted to another guy like that. He was open to the idea, but had never acted upon it. It wasn't the looks - Gabriel was pretty basic. But there was something about the both of them that made him feel... amazing. The attention he got from Gabriel, the friendship.. It was like they knew each other from another lifetime.
Every time Gabriel came over, Ali got excited. He was interested in his words and inner world, not only his appearance. One night, he couldn't take it anymore. While they were talking the backyard table, Ali started flirting with Gabriel. Things got heated fast and they shared the most beautiful first kiss. That was exactly what he always wanted to feel, but was missing from his other relationships. He proposed to have woohoo in the home office, while Millie and Angelique were sleeping unaware upstairs...
They woohood hard and many times. It was a total WoohooFest. Morning came and Ali, having not slept at all, got ready to go to work. He didn't forget to kiss his wife goodbye, but he spent the entire day thinking about Gabriel. By night, he had decided to ask Gabriel to become his boyfriend.
Millie on the other side, was getting better. She bought a walking machine and she often went swimming in the river. Her woohoo drive was coming back strong and that meant more time with her beloved husband. They started woohooing more often, but Ali was also missing Gabriel...
God suddenly had an idea! Ali should ask Millie to have expanded woohoo with someone else, and that someone else couldn't be other than (yes, you guessed it) Gabriel. Ali went on and asked his wife and God told her that yes, it would be fun! So, unaware of God and her husband's plans, she happily accepted to engage in multiple sim woohoo...
Ali was so excited! He couldn't believe his ears! He immediately called over Gabriel and explained the situation. Gabriel accepted as well and it was time for Gabriel to meet with Millie. Millie tried to get to know him but for some reason he was distant. She tried to flirt with him but he didn't reciprocate. Millie got embarrassed and locked herself in her room for some time, to recollect herself. It shouldn't be so hard, right?
At the same time, Ali made his move on Gabriel and they woohood. Gabriel was more than excited to get together with Ali. So, why not Millie?
After Millie got over her embarrassment, she came out the room. Ali proposed having multiple woohoo and they did it. Everyone had a pleasant time.
After that, they got together two more times. But, the last time, at Gabriel's house, was the final blow.
Millie kept trying to flirt alone with Gabriel, not getting the message but, DUDE. He was NOT into her. It was heartbreaking. She tried so hard for her husband, her self esteem and again, she was turned down. A second choice. She didn't deserve it. And then, she though about it. The flirt between Ali and Gabriel. How they would have woohoo, the three of them, but Gabriel was rejecting her. It was time for answers...
Millie first told Ali to end the expanded woohoo agreement. It was too much for her. He wasn't happy about it, but he agreed. And then, she asked the million dollar question: "What's going on between you two?". Ali tried to hide it, told her they were only friends. But God was starting to feel bad about poor Millie, so had her ask again: "WHAT'S GOING ON BETWEEN YOU TWO?"
The answer was like a knife, going through her heart. Ali loved Gabriel and that's all she needed to know. Their woohoo life was non existent before and now had found someone who made him feel better, more... alive! That's all Millie needed to know. She went over to Gabriel and try to make a last, desperate woohoo pass at him. Once more, he rejected her. It was all so clear. She was the third wheel.
Her ego and her heart were stomped on the ground, like a cockroach. A beautiful, kind, hard working sim shouldn't go through all that. She headed back home, to the privacy of her bedroom and cried her eyeballs out. Ali didn't come home that night and went straight to work.
The next day, Millie invited Gabriel over. Oooh no, she wouldn't let him have Ali so easily. She would humiliate him first. He came over and she started yelling at him. Her face was red and hot, she was fueled by rage. She ending up giving him the beating of his life. When Ali came home from work, both his lovers were black and blue from fighting.
Baby Angelique started crying. She had woken up. Millie rushed upstairs to help her toddler with her needs, but Ali and Gabriel stayed downstairs. Ali tried to comfort Gabriel, asking him to stay. He didn't care about his marriage anymore. God led them to the hall upstairs, outside the bedrooms. They started woohooing again, right there, like animals!
Poor Millie, as she opened her daughter's bedroom's door, she caught her cheater husband in the act! THE AUDACITY!!! And if it that wasn't enough, when she went over to slap him, he acted like she wasn't there and went to woohoo in the shower with his boyfriend - AGAIN! WTH!!!
At this point, Millie knew it was time to give Ali the boot and kick him the hell out of their home, and so she did. After Ali's lover left, the married couple had a long, heated conversation that only had one outcome - Ali had to move out immediately.
So, he left and rented a one-bedroom apartment in the city. He also decided to ask Gabriel to live with him, and Gabriel happily accepted. A new chapter started for Ali but unresolved things were left in the middle with his wife that needed to be dealt with.
While all these took place, Millie had gotten close with celebrity Rahul Chopra. They became good friends and she was invited to his wedding. It was a one of a kind event because Rahul had a shotgun wedding with his wife when they were teenagers due to unwanted pregnancy. After many kids later, Rahul's eldest daughter, with the villainous valentine aspiration (long story) decided to break her eternally faithful parents up for fun. So they did break up, but they were so made for each other, like puzzle pieces, that it was impossible to not end up together again.
Rahul fell back in love with his wife and they decided to do it right this time. They planned the perfect wedding event in San Myshuno's park, during sunset. The whole family was there and their 2nd child, Philip (YA) would take the professional pictures of the wedding.
The ceremony started, everyone (almost) was seated and the photographer (and me) were preoccupied with taking the happy couples pictures. As the ceremony ended, the couple was ready to share their first kiss as husband and wife. The air was filled with confetti that floated playfully around them, the fireworks were set off behing them and the sun was showering them with the warmest rays. It was a one time opportunity to get the perfect picture. Philip got ready to press click. And then, she appeared.
Millie, clearly bothered and heartbroken by other people's love, made a run for the exit and ruined Philip's perfect photograph. The angry look on her face would forever haunt Philip's mind. Why would that woman ruin this happy moment and why the hell would she wear white at someone's wedding? I mean, you wouldn't mistake her for the bride, who wore an expensive wedding gown, but still... Something was wrong with this girl and Philip had to find out...
After the wedding, Millie went back home. The days passed and the divorce was not finalized. She asked her kid who she wanted to stay with, but without reply. She called Ali over, but he texted back he didn't want to come over. Millie had her -now child- daughter call over her dad. This time, Ali responded positively and soon after he arrived. Millie took him straight to the lawyers to see who will get custody of Angelique.
This time, God had no plans, God left it all to luck. So, unfortunately, Ali won custody of Angelique, who immediately went to live with him. Now, Millie was alone. Only her and her money and her baby son's grave in the front yard. Now she was angry, NOW HE WOULD PAY.
Millie grabbed Ali and went once again to the lawyers. It was now time to split the estate. At least 100k simoleons in the bank, plus whatever the house is worth. Millie wants to get everything, but once again, God won't interfere. She comes back home, head down, beaten - she lost 80k.
She turns to her new friend, Philip. He is basic, but he's a good guy. He lives alone in an apartment in San Myshuno, studies Fine Arts in university, comes from a good family. He also has a girlfriend that lives across the hall from him, but Millie doesn't know. And God tells her to come onto him. Now Philip has two girlfriends and God must interfere.
God and luck are playing games with Millie's life.
As I'm writing her story, there's only one thing I feel: Sad.
This girl started out with hopes and dreams. So I think that we should forgive her for attending a friend's wedding wearing white. Some God forgot to change her formal outfit and it was all she had to wear. She's going through a lot!
Her story ends for now, but if you guys like it I might write more about her life's adventures.
Also, what should she do with Philip? Let me know in the comments!
If you read this whole essay / story , you are amazing! And thanks! Hope you liked it! :)
TLDR: YA woman starts with 0 money in off the grid island. Wants to earn a million. Gets pregnant by married neighbor with kids. Marries him and they buy new home. They get pregnant second time, lose the baby.He gets a good job, meets new people, gets new guy friend, has woohoo with that friend. The 3 of them have expanded woohoo. Woman breaks it off. Woman confronts husband about loving other man, he confesses he loves him. Woman kicks him out and he lives alone in flat. The other guy moves in with him. Woman heartbroken, goes to friends wedding wearing white, is angry at happy couple's love, ruins the married couple kiss photo. Photo becomes famous on Reddit. Woman loses custody of only child. Woman loses 80k simoleons after splitting estate. Woman becomes girlfriend of the photographer from the friend's wedding. Photographer already has another girlfriend.
*****EDIT*********** I can't believe I forgot to write this, but Millie also drowned in the ocean while being fatigued from diving for treasures. I decided to not save and give her a second chance. Her life is dramatic, UUUUUUGH!!!!
submitted by AcceptableSet3916 to thesims4 [link] [comments]


2024.05.18 23:48 PlantBasedDelinquent Anything helps, and I will do everything in my power to repay you.

I have never been so low in my life.
My car was repossessed.
My house is foreclosing, first court date is first week of June.
I have over $30k of credit card debt.
I was laid off of work and haven't had luck with my job search, especially without transportation.
Every "friend" I had has robbed me. It adds up to thousands. They use me until I have nothing left then they take it all and leave.
My mother is unemployed without any income or effort, and I cannot help but help her as much as I possibly can.
I hate begging. I used to reject any money or gifts from people because I am a giver. But I don't know what to do. I don't want to do anything that involves selling my body and I have no belongings left to sell. Even my phone is broken and I can't afford a new one.
I am so lost and so alone. I need help. I need help so bad.
I am willing work for it or pay it back if needed as I don't expect hand outs, but anything at all is appreciated. I am a 26 year old female from MA. My mother owned her house but town tried to take it due to 12 years of neglected property tax, in turn I bought her house and had the mortgage in my name, even though she was going to live there and pay the mortgage just using my name as her credit sucks. She lied about paying it and didn't give me the account information but I trusted her, stupidly, now it's too late. If I can't save it I want to fix it up as much as I can while I have time left. She put ruined my credit further, put me in collections with home owners insurance, and broke her promises of it only being a year until we sell, and her giving me the cash to pay my car off. Now I have no car and no home soon. I had perfect credit and $30k of available credit cards in good standing but my ex racked them up to the point they all maxed. Not only did he use them without my permission sometimes, but I couldn't eat in front of him and watch him go hungry, I just couldn't. I had to support him too. He couldn't hold a job. And when enough was enough and I said no more, he would abuse and threaten me. I do everything for everyone I care about but no one is there for me. I legit can't afford food tonight. I only get $22 in food stamps.
I need it help immediately and I don't know what to do
My cashapp is $Aceeee98, Venmo @ Aislyn-B, and Paypal @ AislynB. Thank you in advance
submitted by PlantBasedDelinquent to INeedMoneyNow [link] [comments]


2024.05.18 23:42 Flat-Perspective2273 Talk to me like I’m 5 - GH Platinum Negotiation

Talk to me like I’m 5 - GH Platinum Negotiation
Hi all - longtime lurker on the thread. This is my first car buying experience (I know!). I’ve done the research, seen the videos, but need guidance since GHs are in such high demand the usual tactics don’t seem to work.
I have been toying with buying a GH Hybrid Limited for months, and am barely getting yes/no responses to simple questions from a dealer. The best deal I’ve gotten is 60K otd (includes taxes/fees and all shenanigans) with the pano roof and rear camera, and allocation in 45-60 days. I’m planning to sell in 5 years. It is a hard pill to swallow but theoretically, so be it. Even with the BS dealer tints and wheel locks and whatever else driving the price up.
NOW - I am almost convinced (as of yesterday) to buy a GH gas Platinum. The tipping point is they are available and posters here say there’s wiggle room with discount on msrp. I currently have 3 dealers (within a day’s drive, not in my state) going for approx. 55,500 (photo attached and none of them is asking for mudflaps or any random 700$ add ons.
The Question: assuming I can get the price down further for GH Gas Platinum, the price differential (and pretty brown interior) tip the scale for me toward Gas Platinum. Help me! What do I do next? None of these cars are on the lot, but seems there is a lot of general availability. When do I try to get below MSRP? Talk to me like I am 5: do I put my name/deposit down now, and then arrive at dealership 6 hrs away and then haggle from there and pray (financing with credit union apr in hand)? Or do I negotiate on the vspec now - trying to pit the three against each other? Sorry if this is so 101. It would be different if they were on the lot. I don’t want I lose bargaining power and I know I can get a better deal - others on the sub have gotten the same specs for 51-3K otd! 3-10% off msrp! I’m almost tempted to hire a pro here. For reference, at 55,500 (one of the dealers has transparent “smart” Toyota pricing), assuming they don’t screw me with hidden last second fees, with tax I am at 57,200. Already great! If I can get to 55K otd or below, I’m buying everyone drinks. I need help on the order of events more than anything.
Help! For sympathy I am a 35 yo woman.
I should say - I am anal about my coloneed for pano roof, so no room to budge there. The wait isn’t a big deal in either case as I have a car. Willing to hear arguments but I doubt very much I can swing under 58K otd on limited hybrid.
Thank you thank you thank you.
submitted by Flat-Perspective2273 to ToyotaGrandHighlander [link] [comments]


2024.05.18 23:42 Spaced_goofball Hiii again sillies

Hiii again sillies
I was wondering about something, im like 90 percent sure im mtf ive felt this way basically all my life but i cant stop thinking about this period in my life when i was super depressed and had no hope for myself but these feelings weren't there, it was about 6 months or so and my dysphoria came back once i had my first relationship with a guy and has got progressively harder to ignore since. I want to transition and stop being so miserable all the time so i can feel confident in myself but i just keep thinking what if i transition and that feeling of hopelessness comes back afterwards, i used to cry in my room at night thinking me getting on hrt was impossible and i would just have to stay miserable forever. Idk just hoping someone has had a similar experience to me and could tell me how they dealt with these feelings :3
submitted by Spaced_goofball to sillyboyclub [link] [comments]


2024.05.18 23:40 Vemhet Does having a good credit score even matter when buying a car?

I’m in the market for a new and/or gently used car in Canada. My wife will stop working soon so we’ll be moving from two cars to one. Simple enough right? Two cars traded in for one should give a good price? Wrong!
I’m close to giving up and staying with my current car and hope it doesn’t cost too much in maintenance. Reason is the interest rates are way too high right now.
So I’m reading online some tips on getting “good” interest rates, and all of the websites (which are based in Canada) say things along the line of “Your credit score will impact what kind of rate you can get when financing a car. If you have an excellent score, you can get rates around 1-4%”
Is that so? I’ll be honest, my credit score is at 808, which is supposedly “excellent”. I’ve paid off my car quickly, financed some phones, and use my credit cards regularly for small purchases. I have never missed a payment of any kind once in my life, and all my credit cards are at 0$ by the end of the month…
But if I want to buy a Honda Civic with my supposedly “excellent” credit score, best they can do is 8%! Does this make any sense? Everywhere online it says good credit scores get good interest rates, but when I get to the dealerships it’s one interest rate flat across the board and it’s non negotiable. Nobody checks your score.
Where’s the fabled 2% interest rate I’m supposed to be getting? Does having a good credit score even matter when buying a car?
submitted by Vemhet to askcarsales [link] [comments]


2024.05.18 23:38 nienanie Cost of all 27 #1 Cone

With the sale of the 27 Cone related RCAs from u/mvea to u/Jeff5704. I am interested to see how much mvea lose from all his purchases. I am able to find everything except for one which is Score 2663 #1. I think I did get everything correctly with exceptions of direct purchases(I did check the transactions that happened during the time of the transfers but you can never be too sure). I also did check individually how much the price of each avatar costed because the blockchain is transparent and you can get the exact timeframe of the purchase. I get the ETH price from CoinGecko btw. So here is what I found.
Total purchases cost $48073.05 or 24.532 ETH Everything was sold for 1.5B Cone or $7740
27 Cone-related First Mint Collection:
First Gen ChipperDoodle:

Cone Head #1 1 ETH ($3937.18) + Cone Head #7
https://platform.arkhamintelligence.com/exploretx/0x9493ebd46c412c09c74c5378d0ee21027d2cb73e04baa5f8ddf96fcb14034b1f
https://polygonscan.com/tx/0x758037c87f20a74acbf34efb557916d3b01191350d64a7d235d17f6ca2bb9373
Cone Head #7
1.069 ETH ($1778.94)
https://polygonscan.com/tx/0xe7eb594f1c82bff9e90d0b96541e2f9478a621c93f45fc0bf59f9a994891a890

Kid Rexie #1
2.7 ETH ($4436.07)
https://polygonscan.com/tx/0xa3375693ac4d7cf289407f3192c0f87b021e7c571ccd5eaedb29f07a952d09d3

Bucket Head #1
4.47 ETH ($8461.40)
https://polygonscan.com/tx/0x1459e7ebd4c1f5e23f14f6b73db98ce03bf40c302a35508e41efbf6cb1ee3e21

Stripes #1
0.15 ETH ($285.98)
https://polygonscan.com/tx/0xd162182c7adeb85a9d7ac4cd7cb405ae14aa1b2d8bbd1ce68b9312a834ad9fdb

Tiny Garden #1
1.4 ETH ($2669.34)
https://polygonscan.com/tx/0xaa7497417d1e0dfc23b167f5517abc6398d79e9bb39480a96d51dc098025df60

Fourth Gen ChipperDoodle
Treasure of Conelantis #1 + Nautical Noodle #1 + Cone Gnome #1
3.75 ETH ($6966.42)
https://polygonscan.com/tx/0x3051bb1595a610ef5e0e4d483fde72575f4f99f049a8092dcbe2599a5e4fae94
Looks like a bundle deal for 3.75 ETH. All 3 are sent during the same time period and only 1 transaction of 3.75 ETH received.

Fifth Gen ChipperDoodle
Bucket of the Year #1 + Pumpcone #1
2 ETH ($3643.82) + Coin Collectors #3
https://platform.arkhamintelligence.com/exploretx/0x861766f4bee75ddc3c89d69d317a7746518634a802c88fd516ea20608de293dd
https://polygonscan.com/tx/0x6e9888e991cbac986c92dd37d8b02e9f04e990ca3e00410fee6df1e21edc19af
Why? mvea bought a lot of avatar on 24th October. Among those are Funnel Head #1(eno7x), Aether #1, Funnel Head #1(Chipper), and both of these.
There was no txs indicating both of those are paid 1 by 1 but after Pumpcone was sent, a tx of 2 ETH was sent by mvea
Coin Collectors #3
0.5 ETH ($645.83)
https://polygonscan.com/tx/0xd6ec7232a3bf8225f9ff1a34c3fe2041f9c5a9699975908c6507c1391eceb7c1

Funnel Head #1(Chipper)
0.925 ETH ($1591.35)
https://platform.arkhamintelligence.com/exploretx/0x06645092d8285f3b7d4f403781a1a809f6475608d54e87cbad1f46cae95f17b4

Aether #1
1 ETH ($1764.93)
https://polygonscan.com/tx/0xb1d1ee603ff241603d15d2a6d916e6c92ab19348622b95ebbd1c7bf38969a205

Other ChipperDoodle
Conesmith #1
0.1 ETH ($310.94)
https://polygonscan.com/tx/0xcec9fa86fdb8a65f5e66a0f299137b72577786d430d106853a0aba43d0656c78

The Night Before Conemas #1
1.14 ETH ($2497.95)
https://polygonscan.com/tx/0x9c378be4a9f376e9bf95ff50f96bd7ab25351b29dae35bf6a8eb5d6f6c425b69

Marker Head #1
1 ETH ($2531.97)
https://polygonscan.com/tx/0x321198614ef9b22dd8cf0080d72dd88b6a4ae7767206166767af3b0b9c535467

Other Cone-related Avatars
Glowstickman #1 (Second Gen)
1.2 ETH ($2298.34)
https://polygonscan.com/tx/0xcd72c1c4768cbda9b087aaaf78f26c6ce57c3ff969552765479d0e38b679623f

Cone'lectibe #1
0.2 ETH ($458.91)
https://polygonscan.com/tx/0x9e0ad1d11bc78e21127b0049ba0c627bc94a25be80fb11ae34f380558c8c58af

Juniko #1
Trade from Cosmic Abyss #73 to Juniko #1
0.189 ETH ($427.58)
https://polygonscan.com/tx/0x5f211b514b7c00d7fad3a00744ae98b58b957f262178d76a03be30222469fd34

Ore #1
0.3 ETH ($502.74)
https://polygonscan.com/tx/0x204b6f4b7cb091d6e2b662e579687aab307dd0927eb3f682c6c3df1e2e76af22

Cone Struction #1
0.2 ETH ($372.38)
https://platform.arkhamintelligence.com/exploretx/0x544286f17aa8491925856712ef1ad3603b14d9845d8447815b30f1bc333ddd81

Score 2663 #1
Nothing(i cant find it lol)
listed for 3 times though 0.2663, 2.663 and 0.663
maybe mvea secret account idk lol

Funnel Head(eno7x)
0.22 ETH ($375.85)
The account that has Funnel Head #1(high probability its this one because of the txs between wallets)
https://opensea.io/0xe8dFDF7af2e9e19702cE244254A98AdCE5afc40d
The txs
https://polygonscan.com/tx/0x7462512188e5582811599d5f3ec635a0c36f8913cdc2dcee8f48eecb2f64f75e

Dreams of Cone #1
0.169 ETH ($547.77)
https://polygonscan.com/tx/0x71b741152c3e17820030c0890a1c7fbadf0c9cfafa7d12c5367ee41c67b52920

Sticky Situation #1
0.150 ETH ($316.06)
https://polygonscan.com/tx/0xbc950e8fdf53814f738775d589b73e41cd5401814091c87c4f34567db86f9d13

Other #1 Avatars

The Very First #1
0.25 ETH ($408.30)
https://polygonscan.com/tx/0x72943eba82e517640ae4be5da6e3644ec4f60c570c2d9f8d47facfd9c56cc591

Spherical Madness #1
0.25 ETH ($478.17)
https://platform.arkhamintelligence.com/exploretx/0x3e0f471ddce3e262f5b330dc76f834b34b19c745ccb6e4d02bb4afad9cdd5b6a

Display Box #1
0.2 ETH ($364.83)
https://polygonscan.com/tx/0x1b1399ffc53fb1edbba21e9edb16882c6ade1bd5c824c71f5e1f12536068426e
submitted by nienanie to ConeHeads [link] [comments]


2024.05.18 23:38 Silver_Shock Chapter 13 vs. Calling creditors 1 by 1 and trying to negotiate

Good afternoon everyone,
So…I had my consultation with my attorney yesterday and was told that I wouldn’t qualify for a Chapter 7 based on a piece of property I inherited when my mom passed away (1/4 of the house I’m renting)
I was kinda expecting that and after going over everything, he was able to guesstimate my monthly payments at $708 for 36 or $400-something if I did the 5 year payment plan
I like the idea of it being over as soon as possible me so I would probably opt for the shorter timeframe
This is for approximately $64,000 in unsecured debt (credit cards and a small personal loan)
But last night I got to thinking, if I’m going to have a monthly payment anyway, would it be worth the effort to try and call each of the credit card companies 1 at a time and saying “ I can not make my payments anymore and have retained a lawyer and begun bankruptcy proceedings. I would prefer not to go this route and am able to pay $200 for the next 24 months. Would you be willing to close and settle my account instead of me going forward with the bankruptcy proceedings?’
I could do that with one of the credit cards that has $15,000 on it and just make that phone call to multiple credit card companies.
Is there any logic to that thinking?
I feel like they would rather get something than be guaranteed nothing and from what I’m reading online, a settlement doesn’t hit your credit for as long as a BK would.
Part of me thinks it’s a great idea, or worth a try at least, and part of me feels like they would eat me alive within 15 seconds of that phone call.
Has anyone had any success trying to settle their own debts?
submitted by Silver_Shock to Bankruptcy [link] [comments]


2024.05.18 23:36 No-Issue9029 Advice for paying off 14k in credit card debt?

Made some poor financial decisions and landed myself in a pit. Any advice is appreciated.
Here's what we're working with:
Monthly expenses: $2,800
Monthly income: $3,600 after taxes
Rent/utilities: $1,000
CC Payments (across 4 cards): $400
Student loan: $300
Cainsurance: $800
Medical Bills: $150
Food/Gas: $150
I have about 1,000 in savings, and 8,000 in a 401k.
My CC debt is across 4 cards :
1- 1,600 Amex
2- 1,800 Citi (0% APR)
3- 1,800 Credit One
4- 9,200 Discover
is it worth closing the discover account and negotiating a lower interest rate, even if it hurts my credit score for a bit? Or taking a loan out on my 401k or using my savings?
I also am coming up on a substantial pay increase between November and March 24/25, which is the only thing keeping me from freaking tf out.
Again, any help is appreciated.
submitted by No-Issue9029 to debtfree [link] [comments]


2024.05.18 23:36 mikeramp72 Endgame #24

24th: Colby Donaldson 3.0 (Heroes Vs Villains - 5th)

\"So when the time was right, I made one more attempt\"
u/SMC0629:
Colby 3.0 is my favorite of his three iterations, and it has nothing to do with my opinion on Australia. The absolute deconstruction of Colby's abilities and spirit is somehow made into one of the most funny, mind-boggling, and emotional stories the show has given us. It all comes together with that final confessional, one of the best ever in the show, which proves to us that no matter what, he'll always keep fighting. Very deserved endgame for Colby 3.0.
~
u/DryBonesKing:
There… is a little bad blood for me internally about Colby 3.0 making Endgame. One, I am stunned that this group let Colby 3.0 outlast 1.0. I can’t believe Colby 1.0 got cut twice (since I ended up wasting an idol on the first attempt) before Colby 3.0. I find that borderline sinful lmfao. And two, I’m just annoyed that HvV ended up getting any representation in the Endgame. I really did not want this overrated season getting any representation and after focusing most of my concerns on someone like Sandra 2.0 or Parvati 3.0 or Rupert 3.0… I find out that I really messed up and that there were apparently Colby 3.0 stans here that actually wanted this Endgame. Whelp
Most of my issues though are meta-related, though. Colby 3.0 and Jerri 3.0 are the best parts of Heroes vs. Villains and the conclusion to their three-season story arc, even though it was diluted by Russell stealing away a decent chunk of their screentime, I do think what we did get to see was beautiful, from their cute little “Hey Colby” Interaction in that one reward challenge leading up to the finale with Jerri being visibly distraught about having to vote out Colby. It’s amazing stuff!
Colby 3.0 also does have the best storyline of the season, with being able to see how Survivor’s first “Hero” failed to live up to his own legacy, and sorta wallow in his own depression as a result of everything. There is a melancholy-air to Colby’s character, from watching him get his ass kicked in challenges to seeing him be an afterthought in strategies to even seeing him be part of one of the pettiest “family visit” scenes of all time when he just repeatedly fights with his brother Reid. And then obviously, there’s Colby’s final confessional, which I think is probably in contention for best confessional of all time. I don’t think there’s ever been a character’s returning appearance that feels anything like Colby 3.0, and that does make him really special. All things considered, I do have him ranked highly and I’m actually thrilled he topped Heroes vs. Villain’s rankings. I did want him to succeed and make Top 50. I just… wish he didn’t make Endgame. But meh
Overall Rank – 120/821
~
u/Zanthosus:
I’m going to be completely honest. This is the biggest WTF in our endgame to me. I might like Jane less overall, but I can understand why someone would have her in or around their endgame. Colby 3.0 though? I just don’t get it. I’m sure ninjedi will do a great job explaining it though. Also, it is kinda hilarious to me that the first non-Sandra HvV rep to get in is Colby of all people. Not Jerri. Not Parvati. Not Coach. Not even J.T. Colby. That’s just a hilarious legacy for this rankdown to have if I’m being honest.
~
u/Tommyroxs45:
Colby’s legacy in Heroes vs. Villains is unmatched, he’s Superman in a fat suit however you still see the desire for Superman. Him being the last hero remaining is so poetic and it makes him have one of the best confessionals of all time. Sad that he’s only the HvV rep as this season is literal perfection but I’m glad at least 1 person made it.
~
u/Regnisyak1:
From hero to zero to hero again, Colby 3.0 is truly an encapsulation of Heroes vs Villains' main themes about the blurring of lines between the two roles on Survivor, and how one does not fully exist in society. I love Colby 1.0, so I would have loved to see him here over 3.0, but Colby’s single confessional with the long pause in the finale of HvV warrants his position. Plus his not budging on an old-school game really sold his charm. Come on, Reed!
Personal Rank: 61/821. 9/10.
~
u/DavidW1208 will not be providing blurbs nor writeups for this endgame phase, however, his valuable contributions to this rankdown will be honored and acknowledged as we are taking his endgame rankings into full equal account for results. Much love David!! <3
~~~~~
u/ninjedi1:
Colby Donaldson 3.0 (5th Place, Heroes VS Villains)
When people talk about the OG Era of survivor or whatever we’re calling the first 40 seasons before New Era, people split the seasons into old school and new school, with Old School ending at season 20, Heroes VS Villains (which I personally disagree with, cause I feel like Nicaragua is the last old school season, but that’s a different conversation). Heroes VS Villains as the last of the “old school” season is meant to be a last hurrah as a number of early season players compete with more recent strategy savvy players from the newer seasons before the show truly made its transition from a social experiment to a game. And to me, no one truly represents that transition from old to new school, or better yet, represents the death of old school survivor than Colby Donaldson 3.0.
Everyone who’s watched Survivor long enough knows who Colby Donaldson is. He was the great American Texan who was a challenge beast and wanted to make sure that good people made it to the end, going up against Tina who was more deserving in his eyes over the easy beat Keith at the finale of AO. Then he made his return in Allstars where he would unfortunately but voted out fairly early on, but would come out of that season looking not that bad in comparison to a good number of other people! In the eyes of the viewing audience, he was still the great American hero, so it wasn’t surprising that the original survivor hero would return for Heroes VS Villains. Colby himself even talks about how its been a decade since he’s played the game, and he was ready to see if he still got it, and Jeff even sings his praises at the start of the game talking about how people were naming their kids after him. However, despite the hero returning to the coliseum to compete again, time would not be kind to him, as Colby would end up losing strength during the very first challenge, and would be dragged to the villains mat, losing a point for the heroes. A foreshadow of what Colby’s game was about to become.
However, it wasn’t all bad, as the heroes still win the challenge, and while Colby is aware about how rusty he is, he’s still having fun! However, that would quickly change as the days go on. He realizes that he needs to get into the rhythm of the game, and it was going to be miserable. He doesn’t have a clue about all the different connections and pregamed alliances when talking to Candace, leaving him out of the loop. He also gets annoyed with Sugar, who keeps trying to flirt with him and follow him around, which greatly annoys him. He would end up getting pulled into an alliance with Tom, JT, and Stephenie, and while they would all vote out Sugar at the very first tribal, everything goes wrong as JT would flip on the alliance, and after a fight with James during tribal where James yells at Steph and Colby defends her, Stephenie would get voted out in the second tribal. After that, Colby reflects a bit, talking to Tom about if the game at that point was for him, as he felt like he didn’t want to be a part of it. However, even though Colby was struggling with how the game was now, that fire that old school Colby had was still in there, as he was able to score a point against the Villain’s leader, Boston Rob, helping give the Heroes their first immunity win.
Colby would still struggle with the game, as he would ultimately be forced to take a backseat as Tom would lead the charge for them to get a bit farther, mainly using an idol he found to blindside Cirie as the heroes continued to downward spiral. This would actually help him in the game for a bit as Tom would be considered a bigger threat than him, and would be spared at the very next tribal. However, he was definitely next to go on his six person tribe, being the one on the outside of the 5 person alliance, and he needed a miracle to survive. However, that wouldn’t come, as both tribes would be going to tribal, so they were competing for individual immunity, and Colby performed terribly at it. At that point, he saw the writing on the wall and decided to just throw in the towel, telling his team that he knows he gone and they should have a relaxing day. However, James was injured, and the other members of the heroes feel like they need to keep Colby around as he would be better at challenges in the future, sparing Colby much to his surprise.
Colby is fully aware that there’s pressure on him to win the challenges for the heroes, and that its time to put up or shut up. Knowing that he was carrying the weight of the whole team seems to ignite something inside him. The old Colby Donaldson, the great american hero, had returned, and Colby would carry the heroes to victory at the next immunity challenge. In fact, he would be key in ensuring that the heroes wouldn’t lose the next three immunity challenges. It seemed that Colby was finally back into the game, and with the merge right there, it was time for olby, with the rest of the heroes, to lead the charge. However, that old school mentality of sticking together would fall apart at the merge with the new school strategy. The Heroes gave Russell an idol to save him, and Russell would use that generosity to give it to Parvati, who would use that and another idol to save Jerri and Sandra, sending JT home. Then when the heroes tried to rally together with Sandra, Candace would flip, getting Amanda out and leaving Colby and fellow hero Rupert to die. However, in their darkest hour, is where Colby would make a heroic move.
Since only Colby and Rupert were left, it was obvious that the villains would split their vote. Colby then realized that they might try to split their votes between them and Candace. Decided to avenge their fallen comrade Amanda, Colby pitches the idea of instead throwing away their vote to a villain, him and Rupert would instead cast their vote on the turncoat Candace, as if they split their vote on her, the vote would become a 5-3 vote and save them. The one moment of true strategic content from Colby would be a huge success, as it saved the two remaining true heroes and got rid of someone they knew they couldn’t trusted. This would work great for Colby as Russell would then work with him and Rupert to get Danielle, and suddenly the chance for a hero victory didn’t seem so out of reach now. However, Rupert would be the next to go, leaving Colby as the last hero standing by the time the finale rolls around.
Its fitting that Colby, the original hero, would end up being the last hero standing. Despite never getting a real foothold or truly understanding how the game now works, he was able to come so close to the end, and he just had to make it to the final 3 to win it. However, he loses F5 immunity to Parvati, and it looked like his game was done. In a sense of dejavu, we get another speech where he talks about how he knows he’s out, and they should all just have a relaxing afternoon. However, this time, we get a confessional talking about his speech, and how he almost believed it himself. But he’s never quit and anything and he won’t now. And then he just.. stays silent…lost in thought. Its genuinely one of my favorite confessionals in all of survivor, it just has so much emotional impact. We get that confident Colby that we’re so used to seeing for AO, and then just that long silence, as he contemplates the reality of his situation, maybe even coming to terms with it, before returning back to the Colby we’ve seen all season with one final line, “So when the time was right, I made one more attempt”. Colby’s last pitch is to Russell, saying that he’s much more likely to beat Parvati at F4 than Sandra. At this point though, Colby knows he’s done, as he talks about how this was the toughest season for him, and was the toughest journey to even get to that point, and in his final words, he calls himself an old dusty veteran, and that he just isn’t destined to win this game. With Colby voted out, the last true essence of old school survivor was gone, leaving in its wake a new school style to take hold.
~~~
SMC0629: 22
DryBonesKing: 20
Zanthosus: 23
Tommyroxs45: 23
Regnisyak1: 19
DavidW1208: 13
ninjedi1: 17
Average Placement: 19.571
Total Points: 137
Standard Deviation: 3.645 (3rd Lowest)
submitted by mikeramp72 to SurvivorRankdownVIII [link] [comments]


2024.05.18 23:34 Joshh170 PC Gamers Have 4 Games to Claim for Free Right Now

PC Gamers Have 4 Games to Claim for Free Right Now
Between Steam and the Epic Games Store, PC gamers have four free games they can claim right now. PC gamers are treated to free games on a regular basis between various digital storefronts. Free Steam games are often given away by the developers and publishers themselves, whereas the Epic Games Store free game giveaways are a weekly occurrence that happens through the launcher.
The Epic Games Store gives away at least one free game every week, and has been doing so for years at this point. PC gamers know that they can log in to the Epic Games Store launcher every Thursday at 10:00am CT and snag a free game or two for their digital libraries. Free Steam games are much more difficult to predict since they don't follow any specific pattern. There are times when multiple games are free on Steam at once, and currently, there are three games PC users can claim through the platform. Combine that with the weekly Epic Games Store giveaway, and PC gamers have four games to claim right now.
On Steam, PC gamers can claim 100% Orange Juice, Endless Legend, and Machinika Museum for free. The Epic Games Store, meanwhile, is giving away Dragon Age: Inquisition - Game of the Year Edition completely free of charge. None of these freebies are permanent, so PC gamers will want to claim the free games as soon as possible.
Free Steam Games May 2024
100% Orange Juice - until May 22 Endless Legend - until May 23 Machinika Museum - until May 27
For those unfamiliar with the three free Steam games, 100% Orange Juice is a multiplayer board game that was released in 2013 and has a "Very Positive" overall review score. Similarly, Endless Legend also has a "Very Positive" overall review score, with the fantasy-based 4X strategy game also boasting an impressive 84 rating from professional critics as well. And finally, Machinika Museum is a 3D puzzle game that was also very well-received by Steam users. Steam users interested in adding these games to their collections need to do so by May 22, May 23, and May 27 for 100% Orange Juice, Endless Legend, and Machinika Museum, respectively.
Epic Games Store Free Game Right Now
Dragon Age: Inquisition - until May 23 at 10:00am CT
In the meantime, Epic Games Store users have until May 23 at 10:00am CT to grab Dragon Age: Inquisition - Game of the Year Edition. Getting Dragon Age: Inquisition for free is an absolute steal. The 2014 RPG won Game of the Year at the inaugural Game Awards, and this version of the game includes all the DLC expansions, giving players a complete experience. With Dragon Age: Dreadwolf reportedly nearing the end of its development, the Dragon Age: Inquisition freebie couldn't have come at a better time.
Come May 23, Dragon Age Inquisition will be rotated out of availability and replaced by a new EGS free game. The Epic Games Store mystery game promotion is back, so fans don't know for sure what next week's free game is yet, but it will be interesting to see if it can match the high bar set by Dragon Age: Inquisition.
submitted by Joshh170 to GameGeeks [link] [comments]


2024.05.18 23:34 Tesa_Tesanovic1988 Wellbeing as New Gross Domestic Product

Gross Domestic Product (GDP) has been the standard measure of economic growth since World War II. It is widely believed that accelerating economic growth as measured by the GDP will translate into improved living standards. However, this view is being challenged with the argument that it is better to focus on measures of wellbeing than GDP because, despite robust economic growth over the past several decades, there are still millions of citizens living in poverty.Gross Domestic Product (GDP) has been the standard measure of economic growth since World War II. It is widely believed that accelerating economic growth as measured by the GDP will translate into improved living standards. However, this view is being challenged with the argument that it is better to focus on measures of wellbeing than GDP because, despite robust economic growth over the past several decades, there are still millions of citizens living in poverty.

Besides, GDP measures perpetual growth, which is unattainable. Because GDP is an outdated proxy measure of economic growth, wellbeing, which is a multidimensional approach of measuring the most important aspects of people’s life, is gaining popularity.

Perpetual Growth

Stagflation is simultaneous economic stagnation combined with high inflation. In the long run, economic growth is dependent on two drivers; productivity and labor (Dolar). Productivity is affected by multiple factors. Improvements in many facets of productivity growth have decreased or reversed since the global financial crisis. The foremost factor is the demographic crisis of western countries that threatens the growth of GDP. Developed countries have experienced deceleration of working-age population, stabilization of educational attainment, and expansion into various forms of production. Furthermore, labor reallocation from less productive to more productive sectors has decelerated since the global financial crisis. Besides, radical disruptions to education and income losses are likely to affect human capital negatively. The waning demographics of western countries imply that acceleration of productivity growth is needed. The McKinsey Global Institute projected that 80% productivity growth is required to mitigate the effects of changing demographics (49). This projection is unlikely to be achieved given the dwindling working-age population in western countries. On the contrary, productivity growth is likely to continue decreasing because of the significant changes in the demographics unless the working-age population begins to grow again.

Perpetual Growth

GDP as a measurement is very outdated because it does not measure wellbeing. It is a statistical tool used to measure how well the economy is performing. However, it neglects important factors that determine the wellbeing, such as inequality and environmental services (Gallup). GDP as a proxy measure of economic growth ignores certain aspects that do not involve monetary transactions, does not assess changes in human capital, does not discriminate activities that enhance welfare from activities that reduce welfare, does not account for cultural difference, and omits the environmental costs and rates of depletion of resources (Giannetti et al. 14). The Measure of Economic Welfare is one of the alternatives for a gross domestic product as it measures consumption in the economy as a proxy for economic welfare. It adds up the benefits of goods and services consumption and subtracts the costs associated with the consumption, such as environmental pollution, providing a picture of economic welfare. Other economic welfare measures were developed after the Measure of Economic Welfare, such as the Index of the Economic Aspects of Welfare which incorporates environmental costs in estimating economic welfare (Giannetti et al. 15). Index of Sustainable Economic Welfare is an index developed to account for the current environmental issues while addressing the long-term ecosystem and natural resource sustainable use. More indices were developed with recent ones such as the State of Global Well-Being, the Better Life Index, and the Global Well-Being Index measuring a myriad of aspects of wellbeing. The Gallup Global Well-Being measures the behavioral economics of gross domestic product growth. It estimates the percentage “thriving,” “struggling,” and “suffering” of individuals in different countries and regions (Gallup). The indexes focus on the percent thriving in at least elements of wellbeing such as purpose (liking what they do), social (supportive relationships), physical (good health), community (liking the surrounding community), and financial (managing economic life well) aspects.
One in six adults worldwide are considered thriving – or strong and consistent — in at least three of the five elements of well-being, as measured by the Gallup-Healthways Global Well-Being Index. For example residents of the Singapore score quite low at the 19%, while New Zealand leads in Asia – Pacific with 67%.
The Gallup Global Well-Being measures have opened up new opportunities to study issues that affect people in different communities around the world in ways that GDP would not. For example, life satisfaction aspects of the Gallup World Poll data have been exploited to measure inequality in the distribution of subjective wellbeing (Gluzmann & Gasparini 2). Measuring inequality in subjective wellbeing might be complementary to the various approaches aimed at computing unfairness in a society because it may in some way have benefits over the usual income inequality measurements. Some perceived income inequalities may arise due to personal choices if all constraints are observed thus cannot be considered unfair. A case in point is when two individuals facing similar opportunities make different choices. One choice might lead to a better, healthier lifestyle while the other subjects the individual to poverty. Free choices resulting in socially acceptable income inequality should not be regarded as unfair. The assessment of subjective wellbeing is less likely to be susceptible to such differences. Under evaluation of subjective wellbeing, differences in perceived happiness may better estimate social unfairness rather than income unfairness (Gluzmann & Gasparini 4). Gallup World Poll provides data that can be used to compare wellbeing in different countries. It cures one of the most significant problems associated with compering inequality across countries and regions, namely, the generation of homogenous information. The poll poses the same question across all countries in all areas, which significantly reduces spurious differences in estimating comparisons. This reduces sources of measurement error significantly. It is noteworthy that people may not interpret and answer the standardized questions the same in different countries, leading to additional errors. However, the advantages of estimating subjective wellbeing and its rising popularity imply that improvements in the measurements will yield better results.

Technological Revolution

Usually, information and communication technologies are considered a key driver of economic growth and productivity. Different reviews indicate that technological effects tend to be positive at the organizational level (United Nations Conference on Trade and Development [UNCTAD 34]). However, it has been reported that productivity tends to drop as economies entrench technologies in every sector. In other words, the rapid digitization of economies has not translated into strong productivity. On the contrary, productivity growth appears to have stunted over the past few decades, with the slowdown more pronounced in developed countries and also in developing countries (UNCTAD 34). This is a productivity paradox because as technological advancement and use have increased, productivity growth has decreased, which is contrary to popular expectations (Remes et al.). The digitization of economies into digital economies has thus far not translated into increased productivity. The paradox in the digital economy is attributed to different reasons. A more pessimistic perspective considers the technological effects on productivity as having fewer impacts on productivity growth than the revolutionary technological advances of the past (UNCTAD 34). A more optimistic view links the slow growth of productivity to the time lags between the time the technologies are introduced and the time actual effects are felt (European CEO). As a result, more visible impacts on productivity will occur when technologies are adopted widely within the economy. An additional contributing factor to the productivity paradox is the difficulties associated with measuring the digital economy. The slow growth in productivity might be explained by the lack of proper recording of technological activities in that in overall GDP estimation. Consequently, the proper measurement would be reflected in increased productivity. In developed countries, demographic factors associated with the aging population are also linked to the slow growth in productivity (UNCTAD 34). Therefore, the productivity paradox related to the technological revolution arises from multiple factors.

Quality of the GDP

Measuring economic growth in purely quantitative categories diminishes the significance of “high-quality growth.” High-quality growth encompasses increased technological self-reliance, significant production and welfare transformation, the establishment of a comprehensive safety net for the citizens, enhancement of quality healthcare, education, and employment, and reduction of inequality across regions and various demographic characteristics (Wärtsilä). It reflects a policy change that focuses on investment areas that guarantee increased productivity, such as production, consumption, healthcare, and education (Pfeffer). The concept of high-quality growth is being advanced by China to reorganize the economy in a way that focus on increased domestic consumption and investing in productive sectors to drive the overall economic growth. For example, after decades of heavy investments in infrastructural projects and the manufacturing sector, the country realizes that roads and bridges are not productive but rather facilitates productivity. Policy change to shift investment into more productive sectors of the economy might bring sustainable economic growth and wellbeing. At the sectorial level, administrative job control is one of the main factors impacting the health of the employees (Pfeffer). The return of line of sight to the work, workplace flexibility, autonomous fusion teams, fluidity in work practices, and organizational health can elevate the personal wellbeing of the employees. The functional organization provides an environment with less stress caused by micromanagement demands from the employees. Therefore, wellbeing is a product of economic policy at the national level and the contribution of the private sector in nurturing the wellbeing of employees.

Conclusion

The failure of GDP as a measurement proxy of economic growth is less effective in contemporary society. It assumes that an economy will experience perpetual growth, which is a difficult achievement. Even where economies have experienced phenomenal growth over the years, the economic expansion failed to transform the lives of millions of citizens. The technological revolution also has been unable to expand the GDP as it was initially believed despite the fact that the significant impacts technology has had on society. It led to the conclusion that GDP has limitations as a measure of economic growth because it does not account for the non-monetary aspects that matter to people. As a result, new indexes such as the Gallup Global Wellbeing have been developed and are experiencing rising popularity due to their ability to compute wellbeing. In particular, the estimation of subjective wellbeing creates opportunities for improved measurement of social inequality. Furthermore, the realization that wellbeing is important to citizens is supporting new ideas of measuring national economic growth. China’s shift to the assessment of the quality of economic growth indicates a paradigm shift where countries focus on national statistics that reflect their economic realities.

References

Dolar, Veronika. “Why stagflation is an economic nightmare – and could become a real headache for Biden and the Fed if it emerges in the US.” The Conversation (2022). https://theconversation.com/why-stagflation-is-an-economic-nightmare-and-could-become-a-real-headache-for-biden-and-the-fed-if-it-emerges-in-the-us-179036. Accessed 21 Mar. 2022.
European CEO. “Giving a voice to the digital revolution’s silent majority.” (2019). https://www.europeanceo.com/industry-outlook/giving-a-voice-to-the-digital-revolutions-silent-majority/. Accessed 21 Mar. 2022.
Gallup. “2014 Country Well-Being Rankings.”
Giannetti, Biagio F., et al. “A review of limitations of GDP and alternative indices to monitor human wellbeing and to manage ecosystem functionality.” Journal of cleaner production 87 (2015): 11-25.
Gluzmann, Pablo, and Leonardo Gasparini. “International inequality in subjective well‐being: An exploration with the Gallup World Poll.” Review of Development Economics 22.2 (2018): 610-631.
McKinsey Global Institute – “Global growth: Can productivity save the day in an aging world?” page 49
Pfeffer, Jeffrey. “The overlooked essentials of employee wellbeing.” McKinsey Global Institute (2018). https://www.mckinsey.com/business-functions/people-and-organizational-performance/our-insights/the-overlooked-essentials-of-employee-well-being. Accessed 21 Mar. 2022.
Remes, Jaana et al. “Solving the productivity puzzle.” McKinsey Global Institute (2018). https://www.mckinsey.com/featured-insights/regions-in-focus/solving-the-productivity-puzzle. Accessed 21 Mar. 2022.
Wärtsilä. “Going beyond GDP: China targets a new path to growth.” (2021). https://www.wartsila.com/insights/article/going-beyond-gdp-china-targets-a-new-path-to-growth. Accessed 21 Mar. 2022.
Authors

Paul Lalovich

Organizational Effectiveness and Strategy Execution Practice

Tesha Teshanovich

Organizational Effectiveness and Strategy Execution Practice
submitted by Tesa_Tesanovic1988 to Open_innovation_model [link] [comments]


2024.05.18 23:29 Infamous_Bench6576 CREDIT HACK: 560- 780 CREDIT SCORE IN 60 DAYS. DID IT MYSELF.

Hey all, I've been reading this group for the last couple of months. I had a terrible credit score (560) and have been trying to improve it. I tried many tips from here to improve my credit and saw marginal increases (+50ish points), but I found a better solution I'd like to share. My credit score jumped an average of 210 points in two months (I am a 770 between all three bureaus) and I didn't pay a dime to have anyone do it. Late payments have been removed, and collections have been dropped. All I've done is sent letters to collection agencies and the credit bureaus threatening a lawsuit if they fail to drop collections against my credit / late payments that I deem inaccurate or insufficient to report. How did I do it? I literally go into Chat GPT and write prompts like this "Write me a demand letter to \****** [collection agency] demanding that they immediately remove a collection for xxx from my credit report." I add "Be aggressive in the letter and note that I will move forward with a lawsuit if not corrected." Sometimes, I will add details too, like "Note that I recently closed ****** account and was in good standing" or "I have not been provided sufficient evidence, I do not recall this debt, or the evidence provided is insufficient under federal law." I also told the chatgpt, "Tell them that I refuse to receive any contact attempting to collect the debt and will view it as a violation of federal law."* I add "Say I'm only willing to accept written communication regarding the [collection agency] confirming they have removed this from my credit report." I also tell chatgpt to say, "if I do not receive a response by \***** confirming this has been removed from my credit, I will move forward with a lawsuit." *What happens:** ChatGPT spits out a legally intimidating letter that says to provide me with concrete proof, or I will sue if they fail to remove me from my credit report. It also demands a response in writing within 30 days. I also Cc various federal agencies at the bottom, and it works. What I do after I get the ChatGPT letter: Once I get the response from Chatgpt, I take the demand letter it spits out, read it (make adjustments if I need to), put it in word or pages, change the text to courier font (the legal lettering), and send it off. I also use my printer to print the creditors name on the envelope (in courier legal font) so it looks more intimidating. I add "Time-Sensitive" in bold on the top left the envelope too. Here are the results after 60 days: (I started in February and wanted to wait a little before posting everything). All amounts are in estimates just to keep it as anonymous as possible. - $6,000 (estimate) debt with a debt buyer---- 5 years old---Removed, and provided a letter letting it go. - $1,000 (estimate) debt from another debt buyer -- 15 months old-- Removed (no letter provided, just off my credit). I have sent another demanding letter giving them 15 days to confirm in writing they are removing it (will update when I get a response). - $1,700 (estimate) from a collection agency -- Sent me a letter with "verification." I sent a letter saying it wasn't sufficient; they sent a letter back with a contract signed by me and said the creditor adjusted the collection to $450. From that point, I called and said I found the debt wrong, but I settled it for $300 as a pay-to-delete. - $640 (estimate) debt from a collection agency -- Removed and provided a letter letting it go. - $1,300 (estimate) debt collection agency-- Removed and provided a letter letting it go - Six late car payments to USAA Financial were updated to paid on time (payments were late from November 2023 to some in 2022). I had a 90-day late payment taken off. For these, I sent my disputes directly to Experian, Equifax, and Transunion ( I did not send a letter to USAA Financial because they would have concrete records of when payments were made). Some important notes: - Make sure your prompt is aggressive. You might need to tweak it a couple times by telling chatgpt to be more mean (ha ha). - Make sure you tell ChatGPT to demand responses in writing that it's off your credit report. I didn't want them to try to re-add it later or sell it to another agency. By demanding it in writing, I put them at risk if they sell it off because my letters note that I will sue them if they try to offload it to another credit company because it's a wrongful debt. - You also need to read what it writes; it will make small mistakes here and there (sometimes it will put things in plural) My situation: I was an idiot until recently and could care less about my credit. This method cleared my credit and approved me for a new car lease (I needed a $1,500-$2,000 car lease payment to write off because of tax reasons). I recently got a new 2024 S 580 hybrid (Mercedes) and the Mercedes dealer didn't flinch about my credit on a $148,000 car (was approved by Mercedes Benz financial). I'm in my early 30s and self-employed. I make roughly $230,000 a year. Some may ask why I don't just pay it off based on income -- Owe roughly $85k and take care of my parents. A piece of advice: DO NOT PAY ANYONE TO HELP YOU. YOU CAN DO THIS YOURSELF. YOU JUST NEED TO PUT SOME TIME INTO IT. Good luck.
submitted by Infamous_Bench6576 to CRedit [link] [comments]


2024.05.18 23:25 Aiming4Gaming0 30 GREATEST Changes In V Rising 1.0 Release You Might Have Missed

30 GREATEST Changes In V Rising 1.0 Release You Might Have Missed
https://preview.redd.it/rtx5qsp0591d1.png?width=1280&format=png&auto=webp&s=8d94be54b8f00bf9da4acc2fc6226ecf95c9755e
V Rising 1.0 release has brought a lot of new awesome stuff. That’s why I’ve prepared 30 most important changes that might interest you, short and simple.
This is Aiming4Gaming, and today we're aiming for a feature checking!

TL;DR

I know that some people prefer watching videos over reading text guides. If you're one of them, here's a video version of this guide where I describe each new feature in action.
If you prefer text guides, it's right below!

The guide

  1. First and foremost, if you ever thought the difficulty was too easy, try out the new Brutal mode. Bosses here have bigger health pools, higher levels, and deal more damage, which I personally dislike. However, every boss now has a new move and an adjusted AI. I swear you'll never forget the Vincent fight!
  2. If you were struggling with initial resource farming, it has been tweaked. You will get much more wood and stone from a single node, allowing you to get to battles faster, especially if you drink worker blood!
  3. Horses also got a small yet important change: they now consume easily obtainable fiber instead of waterskins, making it easier to manage mounts early on.
  4. Speaking of consumables, they now last 60 minutes. Less crafting is always better, right?
  5. Another important Quality of Life addition is that after you consume a potion, you will not consume the bottle itself. Even less crafting, yay!
  6. Now you can build advanced stations. These process items faster than normal ones, have more inventory space, and more recipes. You can unlock them by defeating specific V Blood enemies.
  7. A new era of storage has arrived with both small and large storage for literally everything, from scrolls to fish. Place these next to your stations or build a storage room for all resources at once.
  8. This feature shines even more with the addition of hotkeys that allow you to sort your inventory or quickly transfer everything by simply pressing the "E" key.
  9. Another huge addition is inventory highlighting. It's so much easier now to see what can be transferred to a specific storage or what you can add to an existing stack!
  10. A new source of valuables now travels around the map in the form of traveling carts. These are guarded by several soldiers but are totally worth it. Carts come in different variants and follow the same routes, so you can farm them from time to time.
  11. The new zone awaits for an infinite challenge. It does not have any base plots but offers world events instead. These events require you to beat two spots with enemies and one boss fight, which come in two difficulties and reward you with powerful weapons, jewels, and shards.
  12. Speaking of shards, this is a new currency which you can spend on weapons, summon enemies in the new summoning circle, or unlock passive buffs.
  13. There are 18 passive buffs, all unlockable once you defeat General Elena the Hollow and build an Altar of Stygian Awakening. Each buff is permanent, but the cost is a lot of shards from the new zone. I recommend the passive that boosts damage against V Blood enemies by 10%!
  14. New forged items progression makes your weapons much more viable. You can enhance your favorite ancestral weapon with various regular weapons and increase its level by 3 up to 26.
  15. For those seeking rare gear and weapons, V Rising offers 12 new legendary weapons with unique effects and solid stats. These can be dropped by high-level bosses or occasionally appear instead of purple weapons when you buy them for 1500 greater shards. These look really cool!
  16. If you want a new battle experience, try out two new weapons: a longbow and a whip. I'm currently running with a longbow on Brutal and it's amazing!
  17. The old magic progression was kind of awkward and limited, so now you can choose your own path by getting spell points and spending them as you wish. You can always reset your choice for free at the Altar of Recollection.
  18. To make your build even more flexible, check out the new sets of armor. They cover different passives and will supplement your playstyle.
  19. If you like a specific piece of gear, you can keep it in your fashion slot regardless of what you wear. And definitely try recoloring your gear!
  20. Spells heavily rely on jewels, which grant some awesome effects. The new tier 4 with 4 effects means even more power for your favorite setup.
  21. To spice it up even more, the game offers a new blood type: Draculin. This is particularly great in the new zone where you might want to bite more enemies.
  22. If you're a fan of shapeshifting, the new spider form will please you. Try hiding underground for a surprise attack without fear of the sun! Nice!
  23. If you remember bags from Gloomrot, forget about them. Now you can craft and equip only one bag at a time. The better the bag, the more it offers! More storage slots, more silver to carry, and even more resource yield! Awesome!
  24. Soul Shards were also reworked in the latest update. You cannot keep them indefinitely anymore, as they decay over time. To restore them, you must farm the new area.
  25. V Bloods have undergone a rework in terms of rewards to reflect new stations, spell points, and craftables.
  26. To make your battles more controllable, the devs have added new aim assist.
  27. New bosses were added as well, including the mighty Dracula himself. I won't spoil the fight, but be prepared for the toughest battle you’ve ever seen in V Rising!
  28. All veils now have a leech effect to balance them out. The difference will be in additional effects and jewel features.
  29. Dying now reduces your blood pool by 10 percent instead of losing your precious blood completely. This is a huge change and a must for Brutal mode, where you will die a lot!
  30. And finally, a couple of achievements! I love them! They give you a decent goal to achieve, nice!

Conclusion

I hope with this guide you have achieved what you were aiming for today!
Also, here's the list with all my guides for reference:
  1. 30 GREATEST Changes In V Rising 1.0 Release You Might Have Missed
  2. 27 BEST Base Locations in V Rising 1.0 Release
  3. 5 Tips To Get the BEST Start in V Rising 1.0 In 60 Seconds
  4. 5 Reasons To LOVE Bear Form In V Rising
  5. Top 10 V Rising Tips in 1 Minute
  6. 40 ADVANCED Tips in V Rising (2023)
  7. 15 BEST Base Locations in V Rising (2023)
  8. How To Farm ALL Resources in V Rising (2023)
Anyway, thank you for reading up to this point, and see you later! 🌟
submitted by Aiming4Gaming0 to vrising [link] [comments]


http://swiebodzin.info