I graduated this year and been working for a while. We don't come from money majorly due to my father's reluctance to save up. My Mother has had a major role to put me through education. Now that I'm working, my father has already got a loan for a motorbike on my name and been asking me to finance a car. Which I've been refusing. Now he's asking me to take up the electricity bills of the house even though I'm paying water and internet bills already which doesn't even occur to him. Meanwhile I'm also saving up for my future education. All this while my father squanders the money he earns on things we don't need or even want like cartons of softdrinks, buiscuits for a fam of 4. You can guess from the fact that my mother has worked and put me through education that this has been a life changing effort from her for me and the fact that she has to make this effort hints at the trauma we all would've faced at hands on my father, so much so that we are quite notorius in relations for what we faced.
On one hand my mother discusses with me how absent he has been in our lives as the caretaker of the house and how much he has traumatised us. On the other hand, she says I'm the one who's hurting him and through him her by refusing to take all the expenses he's been trying to throw on me.
My question is what do I do? I don't know how to place this man in my life who has caused us so much pain, the man who is one of the most short tempered and incompetent man I've seen. Not an ounce of wisdom. The effects of the damage he's done on his kids is showing up now and all we can think is why us? What'd we do to get this?
My self-esteem is downtrodden and I don't know what to do I just don't want to be a bad guy but I don't want to make bad decisions either I guess what I am looking for is someone to tell me how do I behave with him in my daily life how much do I heed to what he says when I from deep below don't even see him at the pedestal of a father let alone give him the respect of a father??
All this time growing up you are certain that you won't turn out like your parents and work on yourself but now all of a sudden you don't know what the heck is happing

I think if I do this correctly, I could avoid forever debt.
Hey! Just graduated college yay but that means it is time to repay my debt. I made a pretty bad financial decision and attended a private university in NYC, the school is good…the debt isn’t.
I am sitting at nearly 160,000+ in debt in Parent Plus loans & and about 27,000 in other federal loans in my name. I KNOW, please do not judge me, I UNDERSTAND that this is messed up & I made a bad decision…there is not much I can do now tho.
Unlike many of my friends & the Class of 2024 in general…I actually received a job offer upon graduation where i’ll be making about 67k starting with potential for overtime which is compensated well. My employer is PSLF eligible for my 27,000 in my name, but the bulk of my debt which is in ParentPlus is not unfortunately as my father works for a non PSLF employer. We’ve made the agreement that I will be responsible for the full debt payments (did not expect help)
I made the financial decision to move back in with my parents to aggressively pay off my debt while also being able to afford to enjoy a bit of life (travel, friends, entertainment) While at home, I pay zero rent, my car is paid off & my car is insurance costs only $84 a month. I have about 4K saved in a high yield account with a 5.5% APY and I have set 15% of my salary to disperse into that savings account.
My question is mainly this: If i begin aggressively paying off my debt, should I really just focus on my ParentPlus? My 27,000 in fed loans are PSLF eligible and I believe i’ll be able to enroll in the SAVE plan?
What in your opinion is an aggressive pay-off strategy?
Any tips or advice would be helpful. I lost many nights of sleep over this, but I think I am finally in a place where I have some peace in the fact that my Student Loans will be my ONLY real bill.
Any help would be great thanks!

I just graduated with my bachelor’s in psychology and I plan to go for my masters in industrial-organizational psychology after taking a least a year off. Unfortunately my university doesn’t have any psychology masters program I want to enter. I decided to do an online program because I also have to work during the process.
I’m trying to pay for it without having to take on a huge loan and be in high debt. Plus I need to be able to afford rent & utilities and every other bills I have.
I was thinking of Colorado State University or Southern NH University. Do you have any experience with either school?
I know CSU has a great program but SNHU is cheaper. Like CSU is $770 per credit while SNHU is $637 per credit.
Is SNHU a good university that wouldn’t look bad in my resume when applying for jobs?

I’m 36F, full time job for 10 years. After tax I make 4,000 euro a month before bills/living costs. My boyfriend earns the same. We live together and have just bought a house together. No kids. Our mortgage is 30 years, bank loan is 10 years. We live in the city so it’s not cheap to live near our job.
We enjoyed the money for many years and all savings went on travelling and fun. I regret it but hey you can’t go back, so.. I’m starting over.
Now with the mortgage and bank loan and bills I am left with 2,000 euros for food and saving and lifestyle. My boyfriend is the same. After 10 years we will have an extra 500 euros each every month as the bank loan will be paid and the 30yr mortgage is the only one left.
I have zero savings as it went on the house deposit.
We also have been paying into pensions through our companies for the time we’ve been there.
I have no investments because I didn’t know how but looking into it now and considering 500-1000 euros a month investing.
Does this make sense? Have I screwed my life not saving and now getting this mortgage?

Due to poor financial choices, and ongoing overspending for many years, I have debt of approximately 10k.
Between now and when I go on maternity leave later this year, I think I can save 3k in addition to the monthly payments I am currently making.
I’m wondering if it’s best to use this to clear my loan early, or pay on credit card debt.
Loan - mbna, £3200 left, repayment of 162 a month, 11% APR
Remaining 7k, credits card debt, split between 3 cards: Card 1: £422 - 24.3% interest rate (this is the card I use if needing to make unexpected purchases, but trying so hard not to use) Card 2: £5200 - 0% until April 2025 Card 3: £1300 -0% until Nov 2025
In my head I’m thinking, pay the highest rate interest card ASAP, then use the rest towards the loan and try and clear that before statutory maternity pay hit as that will be a big expense to manage on low wage. Then when 0% periods end, try to shift balance of Cc to another card.
I’m Also overpaying on credit cards each month to try and reduce debt sooner.
Bills during maternity leave will be covered by partners income, but money will be tight.
Thanks for any tips. It’s a long way off, but I’m hoping to be debt free in August 2026 and this sub gives me inspiration.

EDIT: Thanks all, its still not balancing (ATO showing ~3k bill, me showing ~$700 refund) but its a lot less out. I've updated the figures based on what you've told me.
First up, I do have HECS and an FBT exempt vehicle so this is complicated. Also the ATO calculator only has FY22/23 figures so far, but I'll be using FY23/24 therefore it'll be out a little bit (but hopefully not $10k+).
I am forecast to have earned ~120k EOFY (pre salary sacrifice) which includes 34k tax withheld and $18,500 in an FBT-exempt novated lease on an EV. TL;DR: When I calculate my tax bill I get $694.26, when the ATO Calculator does it I owe $3,404.37 - which is right?
My calculation:
From what I can gather, I effectively have two assessed incomes. My taxable income, which does not include the salary sacrifice ($120,000 - $18,500 = $101,500), and my Repayment Income (for HECS/Medicare) which involves a correction factor for tax equivalence.
From the ATO, my Reportable Fringe Benefits Amount is 'Grossed up', this benefit has GST (its a car) so the rate is 2.0802. Therefore my RFBA is $18.5k * 2.0802 = $38,483.70. This is then added to my taxable income, so my Repayment Income is $101,500 + $38,483.70 = $139,983.70.
EDIT: Calculation error, the ATO have a guide on reportable fringe benefit income. In reality my reportable FBT will be twenty percent of the cars value via the statutory method. So $82,000 * 20% = $16,500, thats then Grossed up in the guide at a rate of 1.8868 which means its $16,500 * 1.8868 = $30,943.52. Therefore my Repayment Income is actually $105,000 + $30,943.52 = $132.443,52.
So as I understand it, I therefore have two income figures for tax calculations:

• Taxable Income ($101,500)
• Repayment Income ($132,443.52)

I'll split what I owe into the categories that use each.
In Taxable Income ($101,500) I will owe $20,392.50

• Income Tax ($18,362.50): For 23/24 thats $5,092 plus 32.5c for every $1 over $45k. Therefore my income tax will be $18,362.50
• Medicare Levy ($2,030): Medicare levy is 2% of my taxable income, so $101.5k * 2% = $2,030.

In Repayment Income ($132,443.52) I will owe $12,913.24

• HECS ($11,257.70): Based on the 23/24 rates I will be charged at 8.5%, so $11,257.70
• Medicare Surcharge ($1655.54): Based on 23/24 rates I will be charged 1.25% so $1,655.54

The sum of my what I owe for Taxable ($20,392.50) and Repayment ($12,913.24) incomes is $33,305.74. Therefore my tax bill will be Owings ($33,305.74) - Tax Withheld ($34,000) which is -$694.26.
ATO Calculation:
Putting this same information into the ATO calculator with the following settings yields a tax bill of $3,404.37

• Income Year FY22/23
• Resident for Full Year
• No Spouse
• I have an Income Contingent Loan (HECS)
• $101,500 Gross Income Payments with $34,000 Tax Withheld
• $30,943 Total Reportable FBT-Exempt Fringe Benefits (under Income Tests)
• Medicare Levy rate of $2,030
• No Private Hospital cover, 365 days without cover.

Can anyone help? I'll see an accountant of course but I must be doing something wrong.

Hi everyone. I am 30M, single, live in SoCal. I earn $115k gross annually and also receive equity compensation each quarter (with equity compensation and at current price of the stock, my annual total earnings is ~$133-135k). My ultimate goal is to purchase a home in Orange County, but right now, I was considering if I should get 1Bedroom condo, which I can sell or rent out in the future.
I have few questions:
Even though you started mortgage and would want to sell it before repaying everything, can you do it?
How increase in condo value (if it will increase) will affect the sale of the unit, if I decide to change it?
Would you buy something smaller, before you have enough funds to purchase something bigger?
FYI, I currently pay $1100 monthly for a room in a shared apartment. My expenses are around $3500 a month in total (loan, student debt, bill, food, etc.)

Silver International Investment and two individuals face charges of laundering dirty money through British Columbia (B.C.) casinos, and more precisely through River Rock Casino in Richmond. After a year-old casino report flagged money-laundering concerns, the newly-elected British Columbia government has hired an independent investigator to check the case. According to the Royal Canadian Mounted Police (RCMP), organized criminals used Silver International Investment as an illicit banking network to loan suspected drug cash to high-rollers from Macau. In that way, the criminals could skirt China’s strict anti-money laundering system and wash their dirty cash through B.C. casinos.
​
RCMP allege that they revealed a sophisticated money-laundering scheme, which was used to launder drug cash through B.C. casinos. RCMP’s Project E-Pirate probe reportedly found out that more than $500 million dirty money was laundered through Richmond’s River Rock Casino. The amount was split into portions of $1.5 million per day, paid mostly with $20 bills. As it can be recalled, some time ago the police have warned that $20 bills are among the most used bills by drug dealers. But the River Rock staff was prone to accept the unsourced cash and the gamblers were able to cash out with bills of $100, which are considered suitable for banking.
​
Caught Red-Handed
Various documents and reports, obtained by Postmedia through freedom of information requests, revealed that the criminals were using Silver International Investment as an illegal banking network to transfer money to send money to and fro. According to the RCMP’s report, criminals were lending drug cash to VIP gamblers from China through Silver International Investment. The VIP gamblers could pay back their loans in China through the illicit banking channel.
​
In that way, the criminals could avoid China’s capital control for exporting and importing funds, as well as to circumvent the attention of Canada’s financial watchdog. Here it is interesting to note that in a police special operation in 2015, more than $2 million in mostly $20 bills and account books were confiscated from Silver International’s office in Richmond. RCMP Insp. Bruce Ward announced that the information in Silver International’s account books point out that the company washed more than $220 million in cash through B.C. casinos in a year.
​
Caixuan Qin and Jian Jun Zhu will also face multiple fraud charges after police allege that Qin is the director of Silver International, which address is registered in an apartment in Richmond. The report alleges that Qin is not the owner of the apartment, but he owns a property in south Vancouver, estimated to worth $2.5 million. The two individuals together with Silver International Investment are charged with crimes including money laundering of drug cash, possession of a property, involved in a crime and others.
​
​
For more Info, here: 무료 바카라

Silver International Investment and two individuals face charges of laundering dirty money through British Columbia (B.C.) casinos, and more precisely through River Rock Casino in Richmond. After a year-old casino report flagged money-laundering concerns, the newly-elected British Columbia government has hired an independent investigator to check the case. According to the Royal Canadian Mounted Police (RCMP), organized criminals used Silver International Investment as an illicit banking network to loan suspected drug cash to high-rollers from Macau. In that way, the criminals could skirt China’s strict anti-money laundering system and wash their dirty cash through B.C. casinos.
​
RCMP allege that they revealed a sophisticated money-laundering scheme, which was used to launder drug cash through B.C. casinos. RCMP’s Project E-Pirate probe reportedly found out that more than $500 million dirty money was laundered through Richmond’s River Rock Casino. The amount was split into portions of $1.5 million per day, paid mostly with $20 bills. As it can be recalled, some time ago the police have warned that $20 bills are among the most used bills by drug dealers. But the River Rock staff was prone to accept the unsourced cash and the gamblers were able to cash out with bills of $100, which are considered suitable for banking.
​
Caught Red-Handed
Various documents and reports, obtained by Postmedia through freedom of information requests, revealed that the criminals were using Silver International Investment as an illegal banking network to transfer money to send money to and fro. According to the RCMP’s report, criminals were lending drug cash to VIP gamblers from China through Silver International Investment. The VIP gamblers could pay back their loans in China through the illicit banking channel.
​
In that way, the criminals could avoid China’s capital control for exporting and importing funds, as well as to circumvent the attention of Canada’s financial watchdog. Here it is interesting to note that in a police special operation in 2015, more than $2 million in mostly $20 bills and account books were confiscated from Silver International’s office in Richmond. RCMP Insp. Bruce Ward announced that the information in Silver International’s account books point out that the company washed more than $220 million in cash through B.C. casinos in a year.
​
Caixuan Qin and Jian Jun Zhu will also face multiple fraud charges after police allege that Qin is the director of Silver International, which address is registered in an apartment in Richmond. The report alleges that Qin is not the owner of the apartment, but he owns a property in south Vancouver, estimated to worth $2.5 million. The two individuals together with Silver International Investment are charged with crimes including money laundering of drug cash, possession of a property, involved in a crime and others.
​
​
​
For more Info, here: 슬롯놀이터

We have been trying to work through an amicable arrangement where neither of us is screwed over. We have no kids, a few pets, one vehicle, and of course a mortgage together. Is it possible to get a divorce and stay on as roommates? The bills would be split and we would get that notarized and make it legal. Thing is we get along better as friends than we have as a married couple. Looking for opinions and comments that can shed light on this complex situation. One is active duty the other is a disabled veteran.
Only one of us has income, there is a chunk of change in savings and our interest rate is fairly low compared to what the market is currently offering. Assuming the loan for the home is not ideal and neither is refinancing. We have no ill will towards each other but no one wants to feel left out.
One person initiated the process the other was caught off guard. But in the end we both saw it coming years ago. Anyway looking for some input or suggestions. There is a bit more to unpack but that’s the gist of it. A mortgage, a car loan, two people who have never been married/divorced before and ten years down the drain.

I, 30F, moved into a trailer in my home town with two guys whom i thought were friends 35M, and 27M. For simplicity 27M will be Bum, and 35M will be Fool. The three of us agreed to move in and split the bills 3 ways. Shortly after moving in, Bum quit his job and refused to get another one. Instead, he sat at the house, playing video games all night and generating a mess. I had spoken to Fool many time about this and it seemed like he was on my side. After living with Bum for a while, I noticed a drastic change in my dog's, 6M large breed, behavior. He would run from Bum as if he were about to be beaten. To the point he would slip and fall on the wood laminate floor. He was also confined to my bedroom at all times as was my cat. I confronted Bum about it when I noticed a hole in my bathroom wall that hadn't been there when I left for work. He fed me some cock and bull story about how my dog must have launched my full conditioner bottle that had been sitting in my shower caddy at the wall. Throughout the entire 8 months of living with these two I have paid half of the rent and all of the utilities. I have had to take out payday loans every 2 weeks to make the basic household ends meet while my own personal bills have gone on the back burner. Eventually, Bum ended up getting a baby sitting job. Thinking that the struggle was finally over and we could finally split the bills, I did the math for the rent and posted it in our group chat. In layman's terms, he said no that his bills had to come first and that the rent was staying the way it was. This pissed me off and I finally decided enough was enough and spoke to a different friend about getting into a new place. Everything came to a head this passed Monday. In short, Bum said he hadn't slept in 34 hours, was sick, and went to "work". He was angry that I hadn't cleaned up the giant mess that he had made or did the dishes while on the phone with people who I had thought were friends. He kept comparing me to his ex and said how living with me as a roommate made him want to "unalive himself". I called my mom and asked her to come and get me after he had gone into his room. I sent Fool a message telling him that Bum could stay and that I would leave since I am the problem. He called us both soon after in a group call and demanded to know what was going on. Bum gave his side first and then interrupted as I tried to give mine. He said again that living with me made him want to unalive himself. He knows that Suic*de is a trigger of mine and he uses it often. I yelled at him not to say that and he began to scream at me. I ju g ip from the call and began speed packing essentials while calling my mom. She and a friend helped get my essentials and pets out and back to my moms place. Today, I went back over and finished packing my things, only to discover that my vr headset and controllers are missing. Last I had seen them they had been in the entertainment center that is now empty. I confronted Bum about it and he denied having them. I went through all of my stuff 5 times and couldn't find them. I told him he had 15 minutes to produce my vr setup ir I'd call the cops. He began to yell at me again. My mother stepped in and told me to just call, so I did and made a report. He tried to kick my mother out of "his" house but she refused stating that it wasn't his house but mine. He went and hid in his room after that. About an hour after the ordeal, I recieved messages from Fool. He stated that since I willingly broke the lease that I had until june 9th to pack up my things and get out, otherwise theyd throw everything out and take me to court for damages to the room. I told him that my things were already out and that I was going back tomorrow to clean the room and repair the damages. He stated that I couldn't go into the house without one of them there. I know for a fact that they haven't spoken with the office yet about taking me off the lease so I know I still have a right to go inside and that by law that they have to give me 30 days since I recieve mail at the address. I intend on going anyway and cleaning the room and removing the last of my things and the trash and giving the key back to the manager in the office. I have stopped respoding to Fool's messages and I have blocked Bum on all platforms. I simply cannot take the mental, financial, and amimal abuse any longer. Please tell me, AITAH here?

contigo717 deleted from /SimpleLoans

• Flair: REQUEST
• Link to the deleted post
• Was a selfpost with score: 1
• Submitted 2024-06-02 01:37 (UTC)
• Was up for for approx 0.08 days
• Probably deleted within the past 0.01 days
  • Was last seen up around 2024-06-02 03:16 (UTC)
  • Deletion detected at 2024-06-02 03:28 (UTC)

Quick search

• Search for all deleted posts by this author

Title

[REQ] $1000 (Newtown, PA) repay $1300 6/13 (PayPal)

Post contents

Hello - seeking a $1000 loan to help cover some unexpected costs related to fertility medication. Will repay $1400 on 6/13 at the latest, hopefully sooner, but definitely by then. Little short on funds currently after paying mortgage and all bills until next payday. completed my first loan recently without any issues. Willing to provide proof of repayment ability along with any other reasonable info to prove repayment ability. Would greatly appreciate anyone’s willingness to help out!
Edited to add 100 in interest.. can’t edit title though, but to clarify will repay $1400 on 6/14 in the AM. Thanks!

I have about $34k I’m working on paying down (CCs, student loans, personal loan) and after paying all my bills and budgeting for gas and groceries I have just over $600 left. I wanted to start sinking funds for the holidays, birthdays and car maintenance, but I’m estimating roughly $400 that would go towards those sinking funds.
I feel guilty putting that much away knowing it could help make a decent progress towards paying down debt, but the holidays are going to come regardless and I always seem to be ill prepared for the costs around that time of year. Does it make more sense to put it all towards debt or do the sinking funds?

DAY: MAY 31 2024
5-31-2024

RESEARCH SUGGESTS LEADERS’ SOCIAL MEDIA POSTS ARE TAKEN JUST AS SERIOUSLY AS FORMAL STATEMENTS

Over 180 world leaders maintain social media accounts, and some of them issue policy warnings to rivals and the public on these platforms rather than relying on traditional government statements. How seriously do people take such social media postings? A new study suggests the general public and policymakers alike take leaders’ social media posts just as seriously as they take formal government statements. The research, by MIT political scientists, deploys novel surveys of both the public and experienced foreign policy specialists. “What we find, which is really surprising, across both
5-31-2024

SCALE OF ONLINE HARM TO CHILDREN REVEALED IN GLOBAL STUDY

More than 300 million children a year are victims of online sexual exploitation and abuse, research indicates. Pupils in every classroom, in every school, in every country are victims of this hidden pandemic, according to researchers who have conducted the first global estimate of the scale of the crisis. The statistics, from the Childlight Global Child Safety Institute at the University of Edinburgh, amount to a clear and present danger to the world’s children, according to the crime agency Interpol. Online risks One in eight of the world’s children, about
5-31-2024

PRONATALISM IS THE LATEST SILICON VALLEY TREND. WHAT IS IT—AND WHY IS IT DISTURBING?

For Malcolm and Simone Collins, declining birth rates across many developed countries are an existential threat. The solution is to have “tons of kids,” and to use a hyperrational, data-driven approach to guide everything from genetic selection to baby names and day-to-day parenting. They don’t heat their Pennsylvania home in winter, because heating is a “pointless indulgence.” Their children wear iPads around their necks. And a Guardian journalist witnessed Malcolm strike their two-year-old across the face for misbehavior, a parenting style they apparently developed based on watching “tigers
5-31-2024

HOW SCIENCE, MATH, AND TECH CAN PROPEL SWIMMERS TO NEW HEIGHTS

One hundred years ago, in the 1924 Paris Olympics, American Johnny Weissmuller won the men’s 100m freestyle with a time of 59 seconds. Nearly 100 years later, in the most recent Olympics, the delayed 2020 Games in Tokyo, Caeleb Dressel took home the same event with a time that was 12 seconds faster than Weissmuller’s. Swimming times across the board have become much faster over the past century, a result of several factors, including innovations
5-31-2024

BANNING SEX CRIME OFFENDERS FROM CHANGING THEIR NAMES DOESN’T MAKE US SAFER

The government of British Columbia recently introduced a bill to ban people convicted of serious offenses from legally changing their name. The proposed amendment to the province’s Name Act would also prohibit those found not criminally responsible due to mental disorder from changing their name. The government announced the move after media reports that Allan Schoenborn legally changed his name to Ken Johnson. Schoenborn was found not criminally responsible for the deaths of his children in 2010 because of a delusional disorder, and was placed at a psychiatric hospital.
5-31-2024

SILICON VALLEY ISN’T THE START-UP UTOPIA WE THOUGHT, RESEARCH FINDS

Silicon Valley—considered the world’s hub of technology and innovation—can breed inequality and sameness among budding entrepreneurs, according to new research. Behind the multi-million-dollar deals and tales of start-up utopia, Silicon Valley’s “uneven” investment landscape is in fact a barrier to many budding businesses, says the study from the University of Stirling and Georg-August-University Göttingen. But the researchers suggest other countries could still learn from the more discerning entrepreneurial ecosystem that bred giants such as Apple and Google, to be more selective in backing start-ups. While it is not uncommon for
5-31-2024

I WANT TO KEEP MY CHILD SAFE FROM ABUSE—BUT RESEARCH TELLS ME I’M DOING IT WRONG

Child sexual abuse is uncomfortable to think about, much less talk about. The idea of an adult engaging in sexual behaviors with a child feels sickening. It’s easiest to believe that it rarely happens, and when it does, that it’s only to children whose parents aren’t protecting them. This belief stayed with me during my early days as a parent. I kept an eye out for creepy men at the playground and was skeptical of men who worked with young children, such as teachers and coaches. When my kids were
5-31-2024

OVER 300 MILLION YOUNG PEOPLE HAVE EXPERIENCED ONLINE SEXUAL ABUSE, EXPLOITATION, FINDS METASTUDY

It takes a lot to shock Kelvin Lay. My friend and colleague was responsible for setting up Africa’s first dedicated child exploitation and human trafficking units, and for many years he was a senior investigating officer for the Child Exploitation Online Protection Center at the UK’s National Crime Agency, specializing in extra territorial prosecutions on child exploitation across the globe. But what happened when he recently volunteered for a demonstration of cutting-edge identification software left him speechless. Within seconds of being fed with an image
5-31-2024

CYBERFLASHING IS A FORM OF GENDERED SEXUAL VIOLENCE THAT MUST BE TAKEN SERIOUSLY

Sexting—sending sexually suggestive or explicit messages and images—is now a widespread practice, and can be a healthy way to express and explore sexuality. However, there is a need to distinguish between consensual sexting and forms of sexual harassment like cyberflashing. Cyberflashing refers to the act of non-consensually sending sexual imagery (like nudes or “dick pics”) to another person. It is facilitated through communications technologies including text, AirDrop and social media applications like Snapchat and Tinder. Similar to flashing—when a person unexpectedly and deliberately “flashes” their genitals to others—that occurs in
5-31-2024

VIRTUAL TRAINING MAY BE AN EFFECTIVE, COST-EFFICIENT OPTION FOR CHILD EDUCATORS

Teachers and other child educators can benefit from regular professional development, but in-person training can be expensive. New research found that virtual training can be a budget-friendly alternative—and especially effective for certain groups of educators. The study—a collaboration between researchers at Penn State and the University of Nebraska-Lincoln and published in the International Journal of Professional Development, Learners and Learning—found that educators who took a virtual training reported feeling more confident in their abilities to implement practices shown to support positive youth development. In particular, after-school providers who did not
5-31-2024

HUMBLE LEADERS BOOST EMPLOYEES’ WORKPLACE STATUS AND LEADERSHIP POTENTIAL, FINDS STUDY

There are many different types of workplace leaders, from those who prioritize the needs of team members and the organization above their own, to authentic leaders who foster openness, trust and transparency. A recent study by the University of South Australia published in the Journal of Organizational Behavior has highlighted the significant benefits of humble leadership in the workplace. According to the study by UniSA’s Dr. Xiao Lin, humble leadership can effectively elevate the workplace status of employees by boosting their sense of respect and prominence. It also leads to
5-31-2024

WHY ARE GROCERY BILLS SO HIGH? A NEW STUDY LOOKS AT THE SCIENCE BEHIND FOOD PRICE REPORTING

Rising food costs are squeezing Canadians around the country. Nearly everyone is feeling the pinch, and it’s not just an inconvenience—high food prices are a major threat to food security for many Canadians. Understanding why food prices are so high and why they are changing is critical to the well-being of our society. Unfortunately, consensus on why food price are so high is in short supply. Explanations given in reports like Canada’s Food Price Report and the news media range widely, from the war in Ukraine to supply chain issues
5-31-2024

WILL GENERATIVE AI CHANGE THE WAY UNIVERSITIES COMMUNICATE?

Is artificial intelligence an unprecedented opportunity, or will it rob everyone of jobs and creativity? As we debate on social media (and perhaps use ChatGPT almost daily), generative AIs have also entered the arena of university communication. These tools—based on large language models that were optimized for interactive communication—can indeed support, expand, and innovate university communication offerings. Justus Henke has analyzed the situation of German realities about six months after the launch of ChatGPT 3. “The research was conducted about a year ago when enthusiasm was high, but it was
5-31-2024

STUDY SHOWS RELATIVELY LOW NUMBER OF SUPERSPREADERS RESPONSIBLE FOR LARGE PORTION OF MISINFORMATION ON TWITTER

Classification of superspreader accounts. A large portion (55.1%) of accounts are no longer active. For each class annotated with political affiliations, colors indicate the ideological split. The last group aggregates all accounts with political affiliations. Credit: PLOS ONE (2024). DOI: 10.1371/journal.pone.0302201 A small team of social media analysts at Indiana University has found that a major portion of tweets spreading disinformation are sent by a surprisingly small percentage of a given userbase. In their study, published in PLOS ONE, the group conducted a review of 2,397,388 tweets posted on Twitter
5-31-2024

HOW LIFE’S BIG MOMENTS CAN CHALLENGE STARTUPS

Life-changing events like the birth of a child, the purchase of a new home, or a lottery win could threaten the survival of a new business venture, the positive family events had a comparatively greater influence, albeit negatively, on the survival of a new venture, compared with
5-31-2024

RUDE AT WORK? FEELING GUILTY CAN MAKE YOU A BETTER, KINDER WORKER

We’ve all done it. A bad night’s sleep or a tough commute made us cranky, and we lashed out at a coworker who did nothing wrong. What can we do to make up for it? According to a new study published in the Journal of Business Ethics, embracing our guilty feelings can help us make up for our bad behavior by encouraging us to act more politely and work harder the next day. “We found that anyone can be rude at work, because anyone can
5-31-2024

RESEARCHERS INTRODUCE A PLANETARY INCLUSION SCALE TO FOSTER BROADER ETHICAL THINKING

Social inclusion and having a sense of belonging with other people are key elements of a good life. However, the fate of humanity is a challenge that extends beyond our social reality. Experiences of belonging and inclusion, understood in a broader sense than before, may be crucial for a sustainable future. In an article published in the International Journal of Social Pedagogy, a team of researchers propose a new planetary inclusion scale that structures our planetary relationship three-dimensionally based on temporal, spatial and ethical orientation. The temporal element relates to
5-31-2024

‘LEAN IN’ MESSAGES CAN LOWER WOMEN’S MOTIVATION TO PROTEST GENDER INEQUALITY

Women in leadership are often told to “Lean In,” designed to be motivational messaging demonstrating that they are more confident, strategic and resilient to setback. However, new research indicates that such “lean in” messaging can hinder women’s motivation to protest gender equality. Popularized in a book by American technology executive Sherly Sandberg, the “Lean In” solution to gender inequality advises women that demonstrating personal resilience and perseverance in the face of setbacks is key to career advancement. Now, a new study led by the University of Exeter, Bath Spa University
5-31-2024

ALGORITHMS COULD HELP IMPROVE JUDICIAL DECISIONS

A new paper in the Quarterly Journal of Economics finds that replacing certain judicial decision-making functions with algorithms could improve outcomes for defendants by eliminating some of the systemic biases of judges. Decision makers make consequential choices based on predictions of unknown outcomes. Judges, in particular, make decisions about whether to grant bail to defendants or how to sentence those convicted. Companies now use machine learning based models increasingly in high-stakes decisions. There are various assumptions about human behavior underlying the deployment of such learning models that play out in
5-31-2024

DIGITAL CAMPAIGNING IS A HUGE PART OF ELECTIONS NOW—BUT GOING VIRAL ISN’T EVERYTHING

The election has commenced and the race is on—to amass as many likes, shares and comments as possible. Digital campaigning, particularly through social media, is now a key part of political candidates’ communication toolkit. In fact, every general election campaign since 1997 has at some point been lauded as the first to make effective use of digital campaigning. But it was in 2015 that David Cameron’s campaign first made strategic use of social media to drive an election victory. As political reporter Tim Ross outlines in his excellent book, Why
5-31-2024

WHY ARE ORGANIZATIONAL COVER-UPS SO COMMON?

The TV dramatization of the UK Horizon Post Office scandal evoked outrage and disbelief. However, as another example of dysfunctional organizational behavior, it was expected rather than exceptional. The Post Office saga joins a long list of cover-ups or scandals that includes Hillsborough, Enron, Grenfell, the infected blood scandal, the Tuam babies scandal in the Republic of Ireland, Boeing 737 Max and Nasa (Columbia space shuttle). They represent what happens when there is a move within organizations and institutions to cover up the causes of
5-31-2024

AMONG GEN Z AUSTRALIANS, 38% IDENTIFY AS SPIRITUAL AND HALF BELIEVE IN KARMA. WHY IS SPIRITUALITY SO POPULAR?

Spirituality is increasingly popular with young Australians: recent research shows 38% of Gen Z Australians identify as spiritual. It also reports 50% of them believe in karma, 29% in reincarnation and 20% in astrology. When it comes to activities equated with spirituality, 28% of Gen Z Australians practice meditation and 22% practice yoga. In Australia, spirituality is strongly, enduringly central to Aboriginal and Torres Strait Islander peoples, and culturally and religiously diverse communities. Yet until recently, spirituality has received far less attention than religion. Spirituality may be
5-31-2024

COMPANIES CAN IMPROVE THE SUSTAINABILITY OF THEIR PRODUCTS IN THE EARLIEST PRODUCT-DESIGN STAGES

An interdisciplinary team of researchers from Lithuanian and Italian universities propose a tool that allows companies to assess the circularity of their future products. The self-assessment tool emphasizes the co-creation of circular design in the early (creative) stages of product development, encouraging entrepreneurs and designers to think more systematically and collaborate better by integrating related stakeholders into the product development process. The study is published in the Journal of Industrial Ecology. “The majority of existing practical tools (systems of indicators) are aimed at measuring the environmental impact of products already
5-31-2024

RESEARCH EXAMINES HOW RECREATIONAL MARIJUANA LEGALIZATION AFFECTS A STATE’S COLLEGE ENROLLMENT

New research has revealed up to a 9% increase in college first-year enrollments in US states that have legalized recreational marijuana compared with states without such legalization. The study, which is published in Economic Inquiry, found that the increase was from out-of-state enrollments, with early adopter states and public non-research institutions experiencing the most pronounced increases. Recreational marijuana legalization did not negatively impact degree completion or graduation rate, and it did not affect college prices, quality, or in?state enrollment. The findings suggest that some students perceive recreational marijuana legalization as
5-31-2024

RESEARCH EXAMINES HOW RECREATIONAL MARIJUANA LEGALIZATION AFFECTS A STATE’S COLLEGE ENROLLMENT

New research has revealed up to a 9% increase in college first-year enrollments in US states that have legalized recreational marijuana compared with states without such legalization. The study, which is published in Economic Inquiry, found that the increase was from out-of-state enrollments, with early adopter states and public non-research institutions experiencing the most pronounced increases. Recreational marijuana legalization did not negatively impact degree completion or graduation rate, and it did not affect college prices, quality, or in?state enrollment. The findings suggest that some students perceive recreational marijuana legalization as
5-31-2024

HOW THE ‘MODEL MINORITY’ MYTH HARMS ASIAN AMERICANS

May is Asian and Pacific American Heritage Month, a time when Americans celebrate the profound contributions of Asian Americans and Pacific Islanders—a group that is commonly abbreviated as AAPI—to U.S. society. It’s also a time to acknowledge the complexity of AAPI experience. And as a professor who studies equity and inclusion in business, I think the focus on AAPI communities this month provides an excellent occasion to push back against a stereotype that has long misrepresented and marginalized a diverse range of people: the myth of the “model minority.” The
5-31-2024

WONDERING HOW TO TEACH YOUR KIDS ABOUT CONSENT? HERE’S AN AGE-BASED GUIDE TO GET YOU STARTED

The Australian government’s new campaign Consent Can’t Wait challenges us all to improve our understanding of consent. It asks a series of questions to illustrate this issue is more complex than simplistic “no means no” messaging. The campaign invites viewers to consider the nuances of consent, so we can raise these important issues with children and young people in our lives. But what is a good age to start talking about consent? How do parents tackle such conversations when this information probably wasn’t readily discussed in our own upbringing? How
5-31-2024

A PRODUCT OF NATURE OR NURTURE?

The concept of cultural entrepreneurship has many facets. It encompasses both the cultural and social impact of entrepreneurial training, and the environmental factors that influence its development. Some societies, such as the U.S., have a strong entrepreneurial culture. This means that certain characteristics are celebrated and encouraged, such as the ability of individuals to assume risks, patience when confronting challenges, and innovative problem solving, especially in uncertain situations. However, not all countries have such an entrepreneurial culture. Entrepreneurship struggles to take off in Europe In general, entrepreneurship can drive economic
5-31-2024

STUDY BRIDGES ANIMAL BEHAVIOR RESEARCH AND COMPUTER CODING TO ENGAGE CHILDREN IN STEM

A graphic depicting a student coding. Credit: Carnegie Mellon University Teachers today face a bit of a conundrum, according to a new study from researchers at Carnegie Mellon University and the Rochester Institute of Technology. Their goal is to prepare young students to enter a rapidly changing world. Even basic jobs require technical proficiency, which requires computational and analytical skills. To address this need, many educators are pushing to fold these important STEM skills into elementary curriculum. Here’s the problem. Young students can lose interest and even develop an aversion
5-31-2024

STUDY SHOWS VR CAN HELP TEACHERS BETTER DISTRIBUTE THEIR GAZE

On the left, a bird’s-eye view of the virtual classroom; on the right, screenshots of each of the four gaze-visualization conditions. Teachers need to know their material, but they must also keep their students engaged and interested. Part of that involves making eye contact with their students—all of them. A multidisciplinary team of researchers tested several methods of data visualization in an immersive virtual reality (VR) classroom, to give teachers a way to gauge
5-31-2024

MARKETERS CAN MANAGE ‘FEATURE CREEP’ SO CONSUMERS FEEL LESS INTIMIDATED BY TOO MANY FEATURES IN A PRODUCT

Wifi-enabled washing machines. Voice-controlled microwaves. App-enabled TVs, vacuum cleaners, and even window blinds you can control from the comfort of your couch. Many of the technological features now included in everyday products are useful and accessible. But research has shown that having too many can overwhelm potential buyers, making them less likely to make a purchase. In recent research, Wayne Hoyer, marketing professor and James L. Bayless/William S. Farrish Fund Chair for Free Enterprise at Texas McCombs, digs into the phenomenon of “feature creep” and its impact on consumer sentiment.
5-31-2024

RESEARCHERS EXPLAIN SOCIAL MEDIA’S ROLE IN RAPIDLY SHIFTING SOCIAL NORMS ON GENDER AND SEXUALITY

A new paper summarizing decades of research demonstrates how social media has supported an explosion of diversity in gender and sexuality in America during the 21st century, and also how these technologies have equally enabled a cultural backlash. The paper’s authors, UC Santa Cruz Psychology Department faculty members Phil Hammack and Adriana Manago, identified five main narratives about gender and sexuality that they believe emerged through social media as people have strived to be “authentic” on these platforms. The findings, along with resulting recommendations for psychology researchers and practitioners, were
5-31-2024

KEY FACTORS IN TRAINING ASSESSORS FOR ENHANCED PERFORMANCE RATINGS

New research is examining how organizations can improve their training programs by customizing frame-of-reference training to emphasize identifying negative behaviors critical to their goals. While assessors naturally identify positive behaviors, C. Allen Gorman, Ph.D., associate professor in UAB’s Department of Management, Information Systems and Quantitative Methods, says targeted training helps them recognize harmful actions that can hinder organizational objectives. Involving assessors in defining important performance dimensions and examples of behaviors, both good and
5-31-2024

STUDIES CHALLENGE WIDELY HELD BELIEFS ON APPLICANT DIVERSITY AND WOMEN IN THE WORKPLACE

Justin Frake is interested in cause-and-effect relationships in real-world data and the hidden dynamics that shape workplace behavior and equality—or inequality, as the case might be. His curiosity has led to research that challenges some popular beliefs as well as published studies related to women in the workforce. One study shows that firms promoting flatter hierarchies inadvertently discourage female applicants and another study counters several recent studies that claim women CEOs negatively impact career outcomes of other women. Both are published in the Strategic Management Journal. The assistant professor of
5-31-2024

CHALLENGING LEWIN’S MOTIVATIONAL CONFLICTS THEORY

A recent series of experiments challenges the longstanding theory of motivational conflict resolution introduced by Kurt Lewin. According to Lewin, conflicts between two undesirable outcomes (avoidance–avoidance conflicts) are typically harder to resolve than those between two desirable ones (approach–approach conflicts). Lewin posited that avoidance–avoidance conflicts, where individuals must choose between two undesirable outcomes, are typically more challenging to resolve compared to approach–approach conflicts, which involve choosing between two desirable options.
5-31-2024

MEN WITH ‘TOXIC MASCULINITY’ ARE MORE LIKELY TO MAKE SEXUAL ADVANCES WITHOUT CONSENT, STUDY FINDS

No means no when it comes to sex. But what happens when a woman makes a more passive response to a sexual advance? According to new research from Binghamton University, men differ in how they interpret these types of responses, and men who display hostile masculinity, known commonly as “toxic masculinity,” tend to act on them regardless of whether or not they think it’s consensual. A team of researchers, including Binghamton psychology professor Richard Mattson and graduate student Michael Shaw asked men between the ages of 18–25 to respond to
5-31-2024

WHY WE DEHUMANIZE OUR POLITICAL OPPONENTS

Some of human history’s greatest atrocities—genocide, slavery, ethnic cleanings—are rooted in our ability to dehumanize people from other social, political, or cultural groups. Whereas prior research has traced dehumanization to the belief that others think or feel less than we do, new research co-authored by Haas professor Sameer Srivastava shows that our tendency to dehumanize can also be influenced by how we think others view important facets of the world. The greater the difference between our perceptions of an outgroup’s worldview
5-31-2024

STUDY SUGGESTS CHILDREN ARE OFTEN EXPOSED TO PROBLEMATIC CLICK BAIT DURING YOUTUBE SEARCHES

When a child peruses YouTube, the content recommended to them is not always age appropriate, a new study suggests. Researchers mimicked search behaviors of children using popular search terms, such as memes, Minecraft and Fortnite, and captured video thumbnails recommended at the end of each video. Among the 2,880 thumbnails analyzed, many contained problematic click bait, such as violence or frightening images, according to the Michigan Medicine led research in JAMA Network Open. “Children spend a significant amount of time on free video sharing platforms that include user-generated content,” said
5-31-2024

STUDY FINDS WOMEN ARE VULNERABLE IN POST-WAR PEACE PROCESSES

Post-war peace processes are a dangerous period for women. Many are forced to live close to men who committed serious abuse during the war or are expected to testify in various types of truth commissions, which can be both retraumatizing and stigmatizing. These are the findings of a new study by peace researchers at Uppsala University, published in the journal PLOS ONE. “In short, peace projects can force women to live side by side with ex-combatants who committed atrocities during the war. This puts them at risk of further threat
5-31-2024

HOW EMBRACING THE CRINGE CAN HELP YOUR DATING LIFE

We can all agree that dating is hard. Getting to know people can feel vulnerable, but at the same time, exciting. We can also agree that feeling rejected can be one of the worst feelings, especially after we put ourselves out there. Dating can also expose us to a lot of cringey things, maybe even something we didn’t know we’d consider cringey. Think of cringe like something that makes you uncomfortable, or something about someone else that you don’t find attractive. Before dating, most of us consider what we’re looking
5-31-2024

PERSONAL CONNECTIONS AT WORK POSITIVELY IMPACT RETENTION AND MENTAL HEALTH, SAYS REPORT

New survey results from Wiley suggest people still feel connected at work despite the prevalence of hybrid and remote work environments and the rise of artificial intelligence (AI). According to the latest Wiley Workplace Intelligence report, “Human Connection: The Crucial Secret to Thriving in the Digital Age,” nearly 8 in 10 employees surveyed (78%) said they feel connected with their coworkers, and almost 7 in 10 (69%) said they also enjoy making connections with their colleagues. Around half even said they want to learn more about their coworkers by doing
5-31-2024

RESEARCHER DEVELOPS MODEL OF INFLUENCER IMPORTANCE WITHIN INSTAGRAM NETWORKS

A study has provided new insights into social media influencers, particularly focusing on those in the women’s fashion sector on the well-known image and video sharing platform Instagram. In a departure from the approach taken by earlier studies, Jens K. Perret of the International School of Management in Cologne, Germany, has used network statistics and centrality measures to establish a model of influencer importance within their network. Perret analyzed data from 255 influencers covering a four-year period. Influencers are loosely
5-31-2024

MOST PEOPLE TRUST ACCURATE SEARCH RESULTS WHEN THE STAKES ARE HIGH, STUDY FINDS

Rank (X-axis) does not affect the evaluation of trustworthiness (Y-axis, mean-centered) of accurate results. This lack of relationship is robust across experiments (columns) and for clicked results (top row, red) as well as non-clicked results (bottom row, blue). The trend lines represent the predicted change in trustworthiness ratings per unit decrease in rank fitted by the linear regression models. Credit: Scientific Reports (2024). DOI: 10.1038/s41598-024-61645-8 Using experiments with COVID-19 related queries, Cornell sociology and information science researchers found that in a public health emergency, most people pick out and click
5-31-2024

MISLEADING COVID-19 HEADLINES FROM MAINSTREAM SOURCES DID MORE HARM ON FACEBOOK THAN FAKE NEWS, STUDY FINDS

Despite the greater potency of “fake news” on Facebook to discourage Americans from taking the COVID-19 vaccine, users’ greater exposure to unflagged, vaccine-skeptical content meant the latter had a much greater negative effect on vaccine uptake. Credit: Jennifer Allen, Duncan Watts, David G. Rand Since the rollout of the COVID-19 vaccine in 2021, fake news on social media has been widely blamed for low vaccine uptake in the United States—but research by MIT Sloan School of Management Ph.D. candidate Jennifer Allen and Professor David Rand finds that the blame lies
5-31-2024

CRITICAL DIALOGUE HELPS STRAIGHT MEN CONFRONT SEXIST, HOMOPHOBIC BELIEFS

Adult heterosexual men with sexist and homophobic views can potentially improve their attitudes toward gay men and women by engaging in critical dialogues that use illustrations as a springboard, according to a new University of Michigan study. The work is published in the journal Sexual and Gender Diversity in Social Services. The process by which people shift from a prejudicial stance to one of relative acceptance is a key innovation of the study. Guided by trained facilitators, critical dialogues reflect illustrations depicting different gender roles and sexual identities. The images
5-31-2024

RELIEVING A FEAR OF PUBLIC SPEAKING

If you dread public speaking you are not alone. It is a leading social phobia, one that can cause a state of anxiety that reduces otherwise articulate people to nervous incoherence. A strong fear of public speaking is known as glossophobia. Academic studies estimate it affects 20% of the population, but depending on the sample and methodology, the figure could be as high as 40%. As American writer and humourist Mark Twain said, “There are two types of speakers: Those who get nervous and those who are liars.” But help
5-31-2024

HOW SOME PRIVATE COMPANIES ARE MARKETING TECH AND AI SOLUTIONS

How do universities and colleges decide who to admit? Given the earnings advantage of a post-secondary degree both globally and in Canada, this is an important social mobility question. While the answer varies from one institution to the next, most focus on education criteria like exam scores and grades. However, Canada’s new intake cap on study permit applications puts increased pressure on Canadian institutions to also consider immigration criteria when admitting international undergraduate students. This is just the latest example of immigration’s growing influence on the societal roles of Canadian

So im on approx 82k p/a. After taxes etc i get $2022 p/f. Here’s my fortnightly expenses:
Rent: $990 (well aware that this is ridiculous as a single person but am unwilling to sacrifice my mental health by living with others and i haven’t been lucky with finding somewhere cheaper)
Groceries: $160
Petrol: $100
Home expenses (garden maintenance, cleaning expenses, etc): $55
Power + internet: $90~
Car insurance: $37.79
Other car expenses (rego, wof, etc): $25
Phone bill: $25
Pet needs: $20
Family expenses: $45
Travel: $200
Savings: $40
Personal loan: $125.58 (14k~ left. Interest rate is 10.95%. Loan term till 2030.)
Student loan: $2k~ (due to be paid end of September)

Tltr: I finally kept track of all my monthly expenses/debt and built a game plan. Starting to feel a little bit better about my situation despite just really getting started into the grind.
I've been lurking this thread, and others, for tips and tricks on how to tackle debts for the last few months but officially took the first step in tracking all of my expenses in the month of May. When I say expenses I mean: all of my monthly bills, grocery costs, gas costs, quick grab and go lunches at work because of poor planning, the 'one coffee won't kill me' purchases, and other miscellaneous things... Now it wasn't AS BAD as I thought it could have been, but I certainty was not pleased with myself. It was painfully easy where I was going wrong with my spending habits and how 'one coffee' turns into not just 'one coffee.' And how those quick grab and go lunches added up, and freaking fast too. It was minorly encouraging to see where I was going 'right' too. With my lurking I've seen some people have some wild spending, but nothing I bought this month went on a credit card and I will consider that a bonus.
The second part to my action plan was writing down all of my debt. That includes my car, a personal line of credit, one credit card, and my student loans (six loans in total). I took note of all of their interest rates and minimum payments and probably about went crazy on deciding on if I wanted to use the snowball or avalanche method to concur my debt. I think I'm still on track with the snowball method. After a month of actually paying attention to these things I feel a really weird sense of accomplishment, frustration with myself, but also kind of hopeful because I think I have a game plan. I made myself a budgeting spreadsheet to force myself into looking at it. I can see where I'm making a dent and where I'm making stupid spending decisions.
Overall, my debt situation isn't as awful as I think it could be given somethings I've had to get creative with in life. My credit card debt is due to leaving a job that paid for my cell phone, I frankly forgot that was a perk from that job and had to buy a new phone + a service plan very last minute. My student loans all came from y freshman year of college before I understand the grant and scholarship game. I graduated with the rest of my years paid for. It sucks I have these, but again it could be a lot worse. My truck is my truck, I've had three years and have been chipping a way at it from about 16k to this. The personal line of credit (PLOC) is split with my wife each month. We use this for emergencies and just got hit hard this year with car trouble, an electrical problem (we own our home), and one of our dogs was attacked and needed vet care.
KCU Credit Card12.90%-$1,739.99 Student Loan - 14.66%-$2,314.90 Student Loan - 24.66%-$1,567.86 Student Loan - 34.29%-$2,980.14 Student Loan - 44.29%-$1,493.95 Student Loan - 53.76%-$3,647.94 Student Loan - 63.76%-$1,425.00 WSECU Truck4.69%-$5,562.02 WSECU PLOC9.23%-$14,833.23
The part I'm struggling with the most I think is being okay with the fact that this is going to take me TIME to get out of. I don't have any rich relatives that are going to kick the bucket, I don't play the lottery and unless some kind stranger wants to make my day I just need to chip at it one penny at a time. I've appreciated reading peoples stories and takes on their situations and wanted to add my part I guess. I also want to look back at this on July first and see if I still feel as optimistic, lol.

I’m a 24 year old female. So a car fell off a tow truck in February , Guess who was driving behind the tow truck? You guessed it! Me. The average person may say Oh! Big money right? Wrong. The truck that fell off the tow truck had no insurance, the tow truck driver was involved in an insurance scheme. Not a legit towing company. Somebody paid him to come “steal” their car, take it to the location and sell it for parts. He didn’t strap it on correctly and it rolled off. Luckily, I had bodily injury coverage and collision. When the police get on the scene they reassure me everything and all the correct information would be on the police report, surprise ! they completely fuck up the report. They had to write 3 different police reports because they fucked it up that bad. My attorney told me he has never seen 3 seperate amended police reports on a non catastrophe case in his career. The body cam footage was redacted, body camera was turned on and off. Some have told me to sue the police department as well, but idk.
Next, I lost my job! I had no way to and from work and I lost all of my income. I used all my saving paying past due bills. I’ve been applying for jobs from nearby businesses, i’m still following up. I haven’t heard anything back yet. I went to Fedex, but after a week my body couldn’t take it anymore. I had 14 bruises on my arms and legs, busted bleeding finger and toe nails from heavy boxes falling on me. Limping when I left every shift. I cried in the trailer I was working in, literally just thinking about how I went from having a car, a happy job to having nothing and destroying my body at a job grown men walk out on. All because I was at the wrong place and wrong time. They got away fine but i’m suffering.. Why is that fair? i’m still waiting on a settlement from my insurance company, but other than that I feel like I have no hope. I’m past due on personal loans. I told them my situation but they don’t care. buisness is buisness.
Next, I lost my friend of 15 years. Yep since 2009. I asked him for a ride for the first time ever after I lost my car and he laughed in my face for 5 minutes straight.. I asked him to drive me 20 minutes away and he laughed in my face telling me he can’t believe I asked him that.. Every other time we hung out I was the one driving, I never minded because I could never treat people I love the way that others have treated me.. then he turned around and did me exactly like that. I truly couldn’t believe it. I cut him off, we haven’t spoken since. He’s been apologizing out his ass but I really don’t care. I cried when I got in the house.
I honestly just want to give up. I’m so tired. I don’t understand any of this. I cry. I talk to God every day, I pray, but I still don’t understand this. Sometimes I think he’s ignoring me. Sometimes I think he just flat out hates me. I went from weighing 190 in November to 163 now in June, people think it’s because i’ve been exercising and eating healthy, asking me for tips and tricks but really I have no appetite from everything i’m dealing with I do follow a routine, to help my days go by. I clean, go on walks, do my laundry, shower, etc. Spend time with my cat lol. Everyone keeps asking me how i’m doing and wondering how I haven’t fell apart yet but I just smile and tell them i’m fine because I don‘t want them worrying about me. Everyday I try to convince myself to stay another, but i’d be lying if i said that wasn’t hard at this season of my life.
Any motivational words? Has anybody else went through this? If so, how did you overcome it? Suggestions? If you follow God, could you please pray for me?

I’m a 24 year old female. So a car fell off a tow truck in February , Guess who was driving behind the tow truck? You guessed it! Me. The average person may say Oh! Big money right? Wrong. The truck that fell off the tow truck had no insurance, the tow truck driver was involved in an insurance scheme. Not a legit towing company. Somebody paid him to come “steal” their car, take it to the location and sell it for parts. He didn’t strap it on correctly and it rolled off. Luckily, I had bodily injury coverage and collision. When the police get on the scene they reassure me everything and all the correct information would be on the police report, surprise ! they completely mess up the report. They had to write 3 different police reports because they messed it up that bad. My attorney told me he has never seen 3 seperate amended police reports on a non catastrophe case in his career. The body cam footage was redacted, body camera was turned on and off. Some have told me to sue the police department as well, but idk.
Next, I lost my job! I had no way to and from work and I lost all of my income. I used all my saving paying past due bills. I’ve been applying for jobs from nearby businesses, i’m still following up. I haven’t heard anything back yet. I went to Fedex, but after a week my body couldn’t take it anymore. I had 14 bruises on my arms and legs, busted bleeding finger and toe nails from heavy boxes falling on me. Limping when I left every shift. I cried in the trailer I was working in, literally just thinking about how I went from having a car, a happy job to having nothing and destroying my body at a job grown men walk out on. All because I was at the wrong place and wrong time. They got away fine but i’m suffering.. Why is that fair? i’m still waiting on a settlement from my insurance company, but other than that I feel like I have no hope. I’m past due on personal loans. I told them my situation but they don’t care. buisness is buisness.
Next, I lost my friend of 15 years. Yep since 2009. I asked him for a ride for the first time ever after I lost my car and he laughed in my face for 5 minutes straight.. I asked him to drive me 20 minutes away and he laughed in my face telling me he can’t believe I asked him that.. Every other time we hung out I was the one driving, I never minded because I could never treat people I love the way that others have treated me.. then he turned around and did me exactly like that. I truly couldn’t believe it. I cut him off, we haven’t spoken since. He’s been apologizing but I really don’t care. I cried when I got in the house.
I honestly just want to give up. I’m so tired. I don’t understand any of this. I cry. I talk to God every day, I pray, but I still don’t understand this. Sometimes I think he’s ignoring me. Sometimes I think he just flat out hates me. I went from weighing 190 in November to 163 now in June, people think it’s because i’ve been exercising and eating healthy, asking me for tips and tricks but really I have no appetite from everything i’m dealing with I do follow a routine, to help my days go by. I clean, go on walks, do my laundry, shower, etc. Spend time with my cat lol. Everyone keeps asking me how i’m doing and wondering how I haven’t fell apart yet but I just smile and tell them i’m fine because I don‘t want them worrying about me. Everyday I try to convince myself to stay another, but i’d be lying if i said that wasn’t hard at this season of my life.
Any motivational words? Has anybody else went through this? If so, how did you overcome it? Suggestions? If you follow God, could you please pray for me?

Just want to make sure, because I know for a fact that I submitted my bank account's routing/account number correctly beforehand. Despite my TFS bill statement saying my principal payment was paid, I'm not seeing it as pending transaction in my checking account at all yet.
Is this normal, or do should I call my bank?

Unsure of what to do
So my loans were with MOHELA. I went on the website 5/12 and took a screenshot saying my recertification date was in 2025.
My loans are moving to a new servicer. I cannot see anything about my loans on MOHELA. New servicer doesn’t have my info yet.
On studentaid.gov it shows I need to recertify by 8/2024. I start a chat and show them the screenshot. They said they don’t know why it says 2025 on MOHELA’s website but it’s not that in their system although I should “go with what they say but I could have a new recertification date when my loans fully transfer”
Do I recertify now? Im worried if I don’t, the new servicer will say I needed to do it by 8/2024 and I’ll be screwed with a big bill.
Send help.

So my loans were with MOHELA. I went on the website 5/12 and took a screenshot saying my recertification date was in 2025.
My loans are moving to a new servicer. I cannot see anything about my loans on MOHELA. New servicer doesn’t have my info yet.
On studentaid.gov it shows I need to recertify by 8/2024. I start a chat and show them the screenshot. They said they don’t know why it says 2025 on MOHELA’s website but it’s not that in their system although I should “go with what they say but I could have a new recertification date when my loans fully transfer”
Do I recertify now? Im worried if I don’t, the new servicer will say I needed to do it by 8/2024 and I’ll be screwed with a big bill.
Send help.

Me(19M) and my roommate(19M) have been to his village for the vacations and on yesterday's evening while we're chilling,3-4 debt collectors came and made a mess around. Till that time,he also has no idea what's going around as the family finances are managed by his single mother.
So my friend(20M) are a family of 3(Lil brother and single mother).His mother is a government Teacher and earning around 38k PM(sole breadwinner). He lost his father to cancer in 2019.They had some debts due to the hospital bills for around 4-5 lakhs from relatives without any intrest. Later in 2021,Aunty decided to build a home as their house(80 YO) needed a lot of maintenance, she never wanted to reconstruct that and thought of building a new home.She had no savings at that time as they paid the debt from relatives and also a chunk goes towards children's education.
At that time she had no knowledge about loans and finances.so she directly headed to the bank,asked for a loan but rather than giving her a home loan bank gave her a personal loan of 7lakhs. As the raw material price inflated to sky after covid,money ran out.and she headed to a NBFC taking another 5lakhs of PL. Finally they made a 3BHK and moved in. But she failed to manage the finances properly and took loans from local money lenders at 5% intrest per month. Currently the debt is around 18 lakhs and she is paying around 42k monthly including all the emis and intrest to lenders.she has to manage her home and watch before her children's education.so the debt is increasing month after month.
My friend was unaware of these till yesterday and is feeling devastated.They don't have any generational wealth. I suggested them to sell the house and pay off the debts. Aunty has 17years of service left and after 3-4years both of the children are likely to earn.They can start fresh.
Any advice will be helpful. Thank you in advance.