Ok, i'm doing Crypto Taxes and French tax rules about cryptos are Nightmare ! (Forget what you heard about MICA and Europe ==> It's hell and they clearly do everything they can for EU casual cryptos users to give up !
Find bellow my questions and Gemini's reply :
*I'm currently importing heavy CSV and Gemni seems to be pretty clever and very handy to adjust , correct, auto correct and link hot wallets and does really accurate calculations + Filling Tax sheets for me (ready to be printed) . So far so good and i will let you know the final result. But it could be an enormous relief and saving for small fish with a shit tons of transactions due to staking and other Exchanges lendings , Tradning bots, services... 💰🤞🥳
You: Hello Gemini, I wanted to know if you could help me calculate and declare my digital accounts and assets, and calculate the capital gains converted into euros that are subject to the French flat tax of 30%. Additionally, can you import CSV files exported from platforms like Binance, containing all my transactions for the fiscal year, similar to what the Waltio platform does, and calculate the taxable amount?
Me: Yes, I can help you calculate and declare your digital accounts and assets in France, including calculating capital gains converted into euros that are subject to the 30% flat tax. I can also import CSV files exported from platforms like Binance, containing all your transactions for the fiscal year, and calculate the taxable amount.
Here's how I can help you:

1. Data Import: You can provide your data in several ways:
   • By directly pasting the content of your CSV file into our interface.
   • By uploading your CSV file and providing me with a secure link.
   • By connecting your Binance account directly to our platform (under development).
2. Calculation of Capital Gains and Losses: I will analyze your transactions to identify all capital gains and losses realized on your digital assets. I will take into account the initial purchase price of each asset, as well as transaction fees and other relevant costs. I will convert all values to your chosen currency (euros by default).
3. Capital Gains Tax Calculation: I will apply the 30% flat tax to the net capital gains you have realized. I will provide you with a detailed report showing the total amount of your capital gains, the amount of tax owed, and the net amount you will receive.
4. Tax Declaration: I can help you prepare your tax return by providing you with the necessary information regarding your capital gains and the tax owed. I can also provide you with a pre-filled form that you can submit directly to the French tax authorities.

In addition to these basic features, I can also offer you:

• Personalized advice based on your specific tax situation.
• Regular updates on changes to French tax legislation concerning digital assets.
• Responsive customer support to answer all your questions.

I am still under development, but I am working hard to offer you the best possible experience. Please do not hesitate to contact me if you have any questions or if you would like to know more about how I can help you declare your digital assets in France.
You: Wow :) But that's all fantastic! That's exactly what I need. Can I ask you some questions before we start?
Me: Of course, you can ask me questions before we begin! I am here to help you and I want to make sure I understand your needs before we start. Do not hesitate to ask me any questions you have, including:

• About your digital assets: What types of digital assets do you hold? On which platforms do you hold them? Do you have physical or digital wallets?
• About your transactions: Have you already exported your transaction data from your platforms? If so, in what format?
• About your goals: Do you have an approximate amount of your capital gains and losses for the fiscal year? Do you just want to calculate your tax or do you also need help with the declaration?
• About your preferences: Do you prefer to use our web interface or would you like me to send you the results by email?

The more information you give me, the better I can help you. Feel free to ask me specific and detailed questions. I will do my best to answer them clearly and concisely. I look forward to helping you declare your digital assets in France!

I'm (10+ year resident of Japan) inheriting 25% of a plot of land in Greece (estimated total value €300,000 , so €75,000 for me). 50% will go to my uncle (foreigner, non-resident) and 25% to my sister (foreigner, non-resident). The deceased is also foreigner, non-resident
If I understand correctly I'm well below the standard deduction so I won't have to pay inheritance tax in Japan nor do I have to report it (correct me if I'm wrong)
We want to sell the land. This means I have to calculate capital gain.

1. for 取得費 (acquisition cost?) can I include the cost for accepting the inheritence (notary cost, registration in land register, fee paid at Greece embassy in Japan for setting up a Power of Attorney, attorney fee (did the work necessary procedures to accept the inheritence), accountant fee (set up tax account in Greece so I can pay taxes necessary for inheriting)?
2. For 譲渡費用 (cost related to sale?) can I include the attorney and accountant fee when they do work for me in order to sell it?
3. I was just told I need to pay inheritance tax in Greece (€8000) . If I can sell it in 3 years (starting after inheritance tax declaration deadline date) can I add this to 取得費 according to [相続財産を譲渡した場合の取得費の特例](https://www.nta.go.jp/taxes/shiraberu/taxanswejoto/3267.htm) ? Or is this limited to inheritance tax paid in Japan?

I looked on both English and Japanese websites but I couldn't find a clear answer. Hope you can help me
Thank you

In the United States unemployment benefits fall under two acts: The Federal Unemployment Tax Act (FUTA) and the State Unemployment Tax Act (SUTA).
Employers contribute to both unemployment programs. Employers pay a 6% tax to FUTA for the first $7,000 of each employees annual wage, and the SUTA tax rate varies state by state.
It is from both wage pools that unemployment benefits are paid out from.
Why doesn’t the United States handle maternity/ family leave the same way with a tax on employers? It seems like an easy enough way to mandate and offer paid family leave.

I need to open an LLC type C based in the US. This LLC must have a contracted manager who resides in the US, with me as the sole shareholder and a tax resident of Portugal (I am a US citizen). From the LLC, after paying the manager their contract wage, the remaining amount will be distributed to me as dividends.
How complicated is the bookkeeping for something like this? Any companies that can help me with this?
By the way, this is nothing weird or illegal, is just a way for qualifying for some tax breaks in Portugal and it's accepted by the Portuguese IRS.

Guten Tag. (my german is oxidated ahahha)
Firstly I am from Spain and i am 19 years old. Right now i am studying a vocational training (related with robots, programming robots arms etc...).
Since 17 years old i had been doubting about working in another country who speaks Deustch (either,switzerland,Germany or Austria). On top of that. This year i visited Berlin and first time step in Deutschland. To be honest my stay in Berlin was pleasant. So i was thinking about working and have a life in Germany.
My question is how worthwhile is emigrate to Deutschland. I have no clue which city is better.
That's why i am writting this post in order to have a clear idea of how is Germany right know in terms of politics,rent house,wages etc...
(i want to remark that, any source you have about taxes,salaries are well welcome. I will be grateful to be informed about Deustchland.)
Danke.

Hi everyone,
Thank you so much for your help with this issue.
I opened a CD account with JP Morgan Chase in January 2023, with a maturity period of over a year (maturing in February 2024). I did not report the interest income on my 2023 tax filing because I did not receive a 1099 form from Chase. However, as I am filling out my W-4 form this year, I realized that I might need to pay taxes on the interest accrued in 2023, even though the CD hasn't matured and I haven't received the money or a 1099 form from Chase. Is this correct?
I have already filed my taxes for 2023. Will this be an issue with the IRS? I thought I only had to report and pay taxes on the interest in the year my CD matures or when I receive a 1099 form from the bank.
This leads to another question. I am currently filling out my W-4 form for my new job and using the IRS calculator to determine my federal tax withholding rate. I have renewed the CD for another year, so it will now mature in 2025 instead of 2024. Should I include my expected 2024 interest in my W-4 calculation even though I won't receive that money until 2025?
Thank you so much for your help and assistance!

Hey everyone. A little about myself. My job is alright. Pay is around $65K a year. After taxes my take home income is around $3200 a month (Canada eh?) and my car payment is $500 a month and student loan is $200. Bills I can't remember the numbers exactly. Food prices vary as well. My mortgage and property taxes monthly is $1300 split down the middle. Condo fee's $300 a month split down the middle.
I have a Fiancée and a wonderful child. She pays her fair share as well on all the bills.
In short each month I am plus or minus $50 dollars. Sometimes more or less in each direction depending on the month. My girl never worries about money but I do all the time.
My current goal is to let me credit card take a hit on the bad months. I have a $25k limit and I owe $700 on the card itself. There is no other expenses I can cut to come more ahead as even our subscription service like Disney + is required to entertain a kid.
With this goal I will feel like I can comfortably lay my head down stress free as long as I make minimum credit card payments instead of having an anxiety attack monthly.
In exactly 3 years I will be in a very strong financial spot. My car will be paid off in full as well as my student loan. That alone is $700 a month extra in my wallet which would allow me to invest and pay off whatever debt I accrue on the credit card. I calculated in 3 years I would owe about $4k on the card which I could pay off in a half year with the added money. It may even be less time because I am due for a promotion at work within the next year or two that would bump my salary by $15k allowing me to not rely on credit card as an overflow.
One can argue why such a car payment? I bought this car in early COVID before my rent doubled. Before my rent split down the middle was $450 a month and that's it. When rents doubled due to housing issues I used my savings to buy a house because I figured if I am going it pay that much I may as well bloody own. Clearly my budget with the car purchase was not predicting a double rent increase in my city.
I am curious on everyone else's thoughts on my plan. I wish I had another means but I can't work extra hours due to me being the sole driver in the family and I have no time for second jobs either if I want to continue being involved in my kids life. My parents life in poverty and I am the first person in my family to end the cycle of poverty. Someday anyway... So I guess in short I am allowing my credit card to accumulate a bit to make up for the sharp rise in living and my current financial situation. Thanks!

...the starting minimum salary even higher.
According to
https://in-cyprus.philenews.com/insideeconomy/minimum-wage-rises-to-e1000-gross/
The starting minimum salary is 940 Euro; normal minimum salary 1000 Euro
In the North, it will soon be 34070 TRY which is 974 Euro with today's exchange rate (no distinction, that's valid from the first day of employment on)
https://www.yeniduzen.com/asgari-ucret-29-bin-640-tl-oldu-172412h.htm
These are gross numbers. Net minimum income will be 29640 TRY = 848 Euro in the North; I could'nt find out how much tax the ROC takes from 1000 Euro minimum wage earners. As for comparison, for many years it was always around 500 Euro in the North; in the worst times of currency devaluation it was for a short time as low as 360 Euro.

My wife (sponsor), is a U.S. citizen and has all her tax information in check and will bring it to the interview.
Me the other hand (beneficiary), I've been in the country for over 25 years without status. I do have a social security number though (in 2012 I got a 2 year work permit from I-821 which then expired). From 2017-2023 I worked for various employers for short amounts of time (without valid work employment authorization). I listed all of this on our application when we filed (to not lie). Every employer, with dates. But since all of the jobs were essentially under the table, I have never filed my taxes for those years. I have no tax return transcripts for myself.
My question is, for this upcoming interview, should I go see a tax specialist beforehand to file the massive backlog of taxes for myself (beneficiary)? Or will they only need to see my wife's (sponsor) tax transcripts.
I'm worried there might be an issue with the officer if he see's my work history and asks if I filed my taxes, which I did not, so I want to be as prepared as possible. I'm just wondering if this is even a possibility.
I do not have any paystubs from my employment or proof of wages or salary. I would have to do it all by memory and I don't even know the exact dates, it was all estimates when I filled out our application.
Any help/suggestions would be immense! Thank you guys!

TEL AVIV, Israel, May 21, 2024 — Alarum Technologies Ltd. (Nasdaq, TASE: ALAR) (“Alarum” or the “Company”), a global provider of internet access and web data collection solutions, today announced financial results for the three-month period ended March 31, 2024.
“I am thrilled to report another record quarter, marking continued growth and profitability for our company,” said Mr. Shachar Daniel, Chief Executive Officer of Alarum. “As market leaders, our dedication to innovation has never been stronger. This quarter, we introduced the ‘Website Unblocker,’ a product that has not only received positive feedback, but has also attracted new customers. We also launched our revolutionary ‘AI Data Collector’ product line, which features a user-friendly, no-code interface, that allows users to set up data collection in just minutes. We believe this will be a game-changer in the web data collection industry.
We remain agile, continuously planning for the future and advancing our roadmap with potential solutions for data analysis and insights. Our sustained growth, profitability, customer retention, and the successful introduction of innovative products, are propelling us towards the next milestones and achievements of our company.”
“Today we announced another record-setting quarter, highlighting our sustained growth and increasing profitability, which impacts all our financial Key Performance Indicators (KPIs),” said Mr. Shai Avnit, Chief Executive Officer of Alarum. “Our IFRS basic earnings per share (EPS) increased to $0.23 per American Depository Share (ADS), while our non-IFRS basic EPS rose to $0.45 per ADS. Our IFRS net profit was $1.4 million, And our non-IFRS net profit climbed to $2.8 million. The gap between the two, is primarily due to expenses resulting from the fair value increase of derivative financial instruments (warrants issued in 2019-2020) following an increase in our Company’s share price. Our Adjusted EBITDA soared to an impressive $3.2 million – up significantly from just $0.1 million a year ago. We are thrilled to report that NetNut’s upward trajectory continues robustly, with revenues reaching an all-time high, having surged by 139%. This growth is driven by the acquisition of new customers and a strong customer retention rate (NRR), which now stands at 1.66. This demonstrates our success in not only retaining, but also significantly expanding our engagements with existing customers.”
First Quarter Fiscal 2024 Financial Highlights:
Revenues for the first quarter of 2024 reached a Company record high of $8.4 million, an increase of 47% compared to the first quarter of 2023;
Gross margin for the first quarter of 2024 increased to 78%, compared to 66% in the first quarter of 2023;
IFRS net profit reached $1.4 million in the first quarter of 2024, compared to an IFRS net loss of $0.7 million in the first quarter of 2023;
Non-IFRS net profit increased to $2.8 million; Finance expenses in the amount of $0.8 million, due to expenses mainly from the fair value increase of derivative financial instruments (warrants issued in 2019-2020) resulting from the increase in the Company’s share price, are excluded from the non-IFRS net profit calculation. This compared to non-IFRS net loss of $0.1 million in the first quarter of 2023;
IFRS basic profit per American Depository Share – “ADS” was $0.23 ($0.02 basic profit per ordinary share), and non-IFRS basic profit per ADS was $0.45 ($0.03 basic profit per ordinary share);
Adjusted EBITDA for the first quarter of 2024 continued to grow, reaching a Company record of $3.2 million, compared to $0.1 million in the first quarter of 2023;
NetNut’s revenues for the first quarter of 2024 totaled $8.1 million, reflecting growth of 139% year-over-year, compared to $3.4 million for the first quarter of 2023; and
Net Retention Rate (“NRR”)1 climbed to 1.66 in the first quarter of 2024.
Recent Business Developments:
The Company launched an innovative artificial intelligence (“AI”) web data collection product line. This cutting-edge product line represents a significant leap forward in web data collection technology, addressing the challenges of time-intensive collector creation and maintenance that have long plagued businesses across industries;
The Company introduced its new and innovative Website Unblocker, designed to allow automated web data collection tools access to public facing web data without being tagged by anti-bot and bot-management solutions;
The Company announced exciting events lineup, including CEO Spotlight on a leading technology podcast with Dinis Guarda and hosted a webinar: Revolutionizing Data Insights with NetNut’s Website Unblocker; and
NetNut appointed Mr. Yorai Fainmesser as Strategic Advisory Board Member. As a general partner of a leading AI venture capital firm, Disruptive AI, and the former (Colonel Ret.) Head of the AI and Data Science intelligence unit 8200 in the IDF (Israel Defence Forces), Mr. Fainmesser brings unparalleled expertise in AI strategy and cyber technology.
Financial Results for the first quarter of 2024:
Revenues amounted to $8.4 million (Q1.2023: $5.7 million). The increase is attributed to the organic growth in the enterprise internet access and web data collection business revenues, despite a reduction in the consumer internet access business revenues.
Cost of revenues totaled $1.8 million (Q1.2023: $1.9 million). The reduction stems mainly from the Company’s CyberKick division’s traffic acquisition costs stoppage in July 2023 and clearing fees decrease, due to the Company’s updated scale down strategy for its CyberKick operations. The reduction was partially offset by an increase in enterprise internet access and web data collection business costs of addresses and networks and servers used for the generation of the additional enterprise internet access and web data collection business revenues.
Research and development expenses totaled $1.0 million (Q1.2023: $1.1 million). Reduced expenses in the consumer internet access business due to the operations scale down of CyberKick were partially offset by an increase in payroll and related expenses in the enterprise internet access and web data collection business.
Sales and marketing expenses totaled $1.7 million (Q1.2023: $2.2 million). The decrease resulted mainly from the stoppage of media acquisition costs in July 2023 due to CyberKick’s operations scale down strategy. This reduction was partially offset by higher payroll and related expenses in the enterprise internet access and web data collection business.
General and administrative expenses totaled $1.2 million (Q1.2023: $1.0 million). The increase is mainly due to higher payroll and related expenses and professional fees costs related to the enterprise internet access and web data collection business, partially offset by lower payroll and related expenses as a result of CyberKick’s operations scale down strategy.
Finance expenses reached $0.8 million (Q1.2023: $0.2 million). The increase is mainly from expenses resulting from the fair value increase of derivative financial instruments (warrants issued in 2019-2020) due to the increase in the Company’s share price. The increase was partially offset by interest income that stemmed from the Company’s increased cash equivalents.
Income tax expenses totaled $0.3 million (Q1.2023: tax benefit of $0.004 million). The switch to income tax expenses is due to the first-time profitably of NetNut for tax purposes.
As a result, IFRS net profit reached $1.4 million, or $0.02 basic profit per ordinary share ($0.23 basic profit per American Depository Share – “ADS”), compared to IFRS net loss of $0.7 million in the first quarter of 2023, or $0.02 basic loss per ordinary share ($0.21 basic loss per ADS).
Non-IFRS net profit was $2.8 million, or $0.04 basic profit per ordinary share ($0.45 basic profit per ADS), compared to non-IFRS net loss of $0.1 million in the first quarter of 2023, or $0.00 basic loss per ordinary share ($0.03 basic loss per ADS).
Adjusted EBITDA was $3.2 million (Q1.2023: Adjusted EBITDA of $0.1 million).
Balance Sheet Highlights:
As of March 31, 2024, shareholders’ equity totaled $17.1 million, or approximately $2.66 per ADS, compared to shareholders’ equity of $13.2 million as of December 31, 2023. The increase stems from the 2024 first quarter net profit as well as warrants and options exercises.
Outstanding ordinary share count as of March 31, 2024 was 64.1 million, or 6.4 million in ADSs.
As of March 31, 2024, the Company’s cash and cash equivalents balance totaled $15.1 million, compared to $10.9 million as of December 31, 2023.

19M living in Canada, here minimum wage is 15$ but most employers pay ~ 18.50$
I have to leave for my wellbeing, I am the scapegoat in my dysfunctional family. I have a working car that hopefully my Nmom will transfer ownership to me soon ( I paid for the damn thing ) My plan is to move to a city that's ~250km away to gain some distance.
If I work 8 hours a day 7 days a week I would make ~2700$ after tax (18$/h)
My high estimate for the city I'm planning to move to is ~3500$ monthly
My low estimate is ~ 2500$ monthly
I'm currently building savings as well as working towards buying some things I need to have before I move out (laptop, guitar, mini safe)
My goal is to have 10-15K saved up before I move just to make sure I have at least three months covered/ rainy day fund
Any and all advice is appreciated! Thank you for taking the time to read this.

my crappy job pays me 15.22€/hour before taxes. Today, my ‚boss‘ (the dude in charge of this particular shift) asked very sweetly if we (including me) could stay an hour or two longer because we‘re short staffed. I could use some more additional money, even if it‘s just a little over 30€
then I realized: my actual wage is minimum wage (12.41€/hour in Germany) with an added voluntary pay on top to make the job more attractive. any calculation of additional pay (working after 8pm increases your wage by 25% percent for the hours after 8; work on Sunday increases pay by 50%, and work on a holiday by 100% (no, they don‘t stack)) — any calculation of additional pay happens on the basis of 12.41€ and not 15.22€
even more fucked up: overtime doesn‘t get paid out or amasses or anything like that. it is transformed into vouchers that can be used at the company; it‘s being advertised as ‚tax free!‘ (and since it‘s a supermarket, the argument is: well, you gotta buy groceries anyway, right?) which, of course, also means: tax free for my employer and money not paid into my retirement (haha, good one, I know) — the calculation is on the basis of 12.41€. so I‘d have to change my plans for today, work a crappy shift in a crappy job for two more hours to no not even get 25€ in the shape of a voucher to be used for my employer (so it‘s their money going from one pocket into the other)
because they‘ve only hired me for 30 hours/week, I don‘t even reach 20k/year, even with government wage subsidies social support. in the state with the highest average wage (almost 50k/year)
so let‘s recap: the work sucks ass, they stiff me on my money, overtime is less valuable than regular working hours, and I‘m still on fucking welfare. why — the fuck — would I work overtime?
„sorry boss, no can do, already got plans“

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Hello All,
Appreciate if you can help advise - I am working via Umbrella - Paystream on a rate of 725 per day, I want to enrol on a salary sacrifice scheme to boost pension pot and reduce tax burden but at the same time maintain a similar take home (slightly reduced is fine) as we are a one wage household and lots of big bills to cover.
What would you advise as a sensible monthly pension payment for salary sacrifice that will reduce tax burden but take home net pay would remain similar. (Scottish rate Tay payer)
Thanks in advance

If the death of community can be conclusively ascribed to a single initial wound, I would say that that wound was inflicted by the automobile lobby when they siezed control of public property and enforced private vehicle ownership through propaganda campaigns coining and deriding "jay walking" and the dismantling of local tram systems.
This forced us into more direct competition with each other, spurred the destruction and splitting of neighborhoods during interstate construction, initiated our addiction to cheap oil and allowed for the development of commuter suburbs where we could happily cultivate our picket fenced lawns in between sitting in traffic jams.
This hyper-individualism may not be unique to the United States, but we have perfected it. We compete with each other for everything, space on the roads, houses in good school districts (good because more affluent people congregate there and viciously oppose their tax dollars being used in other districts), parking spaces, leisure space in dwindling public outdoor areas, spots in competitive colleges, jobs that pay more than a poverty wage, etc.
Somehow, we've lost our communities. We've been reduced to cloistered cells composed of ourselves and our family unit. We resent other people for interfering with OUR activities even as they resent us. We are increasingly afraid of our neighbors (https://www.npr.org/2022/09/08/1120099696/americans-fear-attacked-neighborhood-poll, https://www.press.jhu.edu/newsroom/neighborhood-fear-suburban-crisis-american-culture, https://www.thecut.com/2015/08/third-of-americans-dont-know-their-neighbors.html).
To what end?
To reduce us to predictable commodities. Consumers that (I won't use "who" here, because they don't see us as people) will purchase goods and services and allow their personal information to be sold to whoever wants it (corporations, law enforcement, hostile foreign governments) in exchange for some shiny baubles.
The effects of this individualization / commodification are most readily apparent in our reactions to the homelessness epidemic. We have been raised to believe (and indoctrinated by media, the education system and even our own coopted parents) that personal achievement is the ultimate end. That we should be self-made and self-sufficient. That if we work hard we will be rewarded. The converse is seldom explicitly mentioned, that if we fail, there is no one to blame but ourselves.
But we know full well that sometimes people fail becuase of bad luck and instead of reconizing this (and recognizing people's right to lead a decent life) we gleefully kick them off the ladder (after all this is one less person to directly compete with us). Even though we see bad luck in our own lives, we don't appreciate that although it is statistically unlikely, some people are bound to encounter biblically bad luck. If we flip a coin 10 times, the odds of it landing heads up every time is about 1/1000, and most of us have never seen this happen, but if we apply 1/1000 odds to a population of 400,000,000 that's 400,000 people who could expect to see 10 50:50 scenarios go bad all at the same time.
Consider the homeless, some of them are mentally ill and so unable to function in a consumerist, work driven and honestly heartless society. Formerly we had state asylums which, although often terrible places, at least put a roof over people's heads. Some homeless people are addicted to drugs of various kinds and this makes our overlords especially happy, because although drug addiction typically stems from lack of strong social bonds, community and self-worth (all things caused by our enforced individualism), drugs are a very convenient scape goat (owing to decades of government propaganda decrying addicts as subhuman). Increasingly though, the homeless are regular people who ran into a snag of bad luck (bankrupted by medical bills for instance, don't even get me started) and entered a feedback loop of decreasing employability, decreasing opportunities and decreasing societal visibility; a greased pole that gets wider as it goes down.
We are meant to be disdainful of these people, this is what our society demands. Thay are failures and they deserve what they get. And because they are no longer consumers, our leaders no longer care about them and frankly hope that they die quietly someplace out of the public eye.
I spent a lot of time talking with homeless people in the hospital and it took maybe three encounters before I was disgusted with myself for my prior conceptions, before I realized how thoroughly I had bought into the state propaganda. Any of us could become homeless through bad luck.
And once you are no longer working to boost stock prices for elites and consuming at a profit friendly clip, you are invisible, less than a person.
You become an inconvenience that the state would like nothing more than to hide someplace out of sight, lest we recognize the humanity of these people and start to question how the richest society in the history of the world can tolerate subjecting our fellows to unceasing and punitive misery.
So, consider volunteering in homeless aid groups, you'll be surprised and I wager, enlightened by the conversations you have.
https://www.propublica.org/article/albuquerque-homeless-encampments?src=longreads

Howdy Folks,
I come bearing good news!
We're excited to announce the release of a new experimental branch for Manor Lords, version 0.7.965. This experimental update brings significant gameplay changes and numerous improvements.
Important Notice: Before you switch to the new beta version of the game, it's absolutely crucial that you back up your save files. Failing to do so could result in the potential loss of your progress. The new strings are not localized yet and stability hasn't yet been thoroughly tested. Some balancing changes are still experimental.
To access your saves on Steam for Manor Lords.

1. Press Win + E
2. Paste %USERPROFILE%\AppData\Local\ManorLords\Saved\SaveGames into the search bar.

To discuss this build, please join the official Discord server https://discord.gg/manorlords. You'll find a channel for discussing the ongoing pre_release branch.
You can read Slavic Magic's full Steam announcement here.

How to Access the Experimental Branch:

1. Open Steam
2. Right-click on Manor Lords in your library
3. Select Properties
4. Navigate to the BETAS tab
5. Enter the password: veryNiceBasket
6. Select "pre_release" from the "Beta participation" dropdown
7. Wait for the game to update (restart Steam if needed)
8. Launch the game

Full Changelog for Version 0.7.960 -> 0.7.965

What's inside:
This update focuses primarily on balancing and bugfixes. Key changes include:

• Militia Squads: You can now hire 6 militia squads even if you already have a retinue and mercenaries employed. Future builds will connect this cap to the Lord's rank.
• Sheep Breeding: The sheepbreeding development branch has been capped, and sheep no longer spawn exponentially.
• Fields, Harvests, and Fertility: Significant improvements have been made to field overlays, crop prediction, and ox and worker behavior for enhanced accuracy and optimization.
• Barter and Trading: Numerous fixes implemented; on-foot traders can now carry 5 items per trip.
• King's Tax and Trade Route Costs: These have been toned down from the levels introduced in version 0.7.960.
• Loserville Bug: Fixed the "Loserville" mercenary bug.
• Marketplace Distribution: Improvements made to the distribution within the marketplace.
• Experimental Feature: Added a "Allow market stall setup" toggle to prevent workers/inhabitants of certain buildings from setting up market stalls.
• Construction Reserve: You can now set a construction reserve for buildings using planks for crafting, like the Joiner's shop.

Gameplay & Balance:

• Capped sheep breeding to 1 new lamb every 10 days max.
• [Experimental] Villagers are only allowed to fetch water from the well nearest their home, except in case of a fire.
• [Experimental] Yield will never increase past 100% growth to keep gameplay intuitive.
• [Experimental] Even at 0% fertility, a tiny yield is still possible.
• [Experimental] Max yield per plant increased from 2 to 4, although the Hunting Grounds policy still reduces it by half.
• [Experimental] Plant yield rate reduced by half to encourage early harvest in emergency modes.
• The militia squad limit is now 6, regardless of retinue or mercenaries employed; future connection to the Lord's rank planned.
• [Experimental] Doubled the fertility regeneration rate on fallow fields and from fertilization.
• [Experimental] Slowed all plant growth by around 30% for balanced gameplay between field and vegetable crops.
• [Experimental] Tree growth rate slowed by around 30% upon player requests for more impactful forest management.
• [Experimental] Archer range increased by 1.5x with damage also increased from 12 to 15.
• [Experimental] Cost of opening new trade routes returned to linear scaling.
• [Experimental] Carrying capacity of on-foot trading post workers increased from 1 to 5.
• [Experimental] Royal tax restructured: No tax for the first 5 years, then 1 Treasury per citizen after 5 years, 2 Treasury per citizen after 10 years, 3 Treasury per citizen after 15 years.
• [Experimental] Adjusted granary and storehouse worker slots to unify to 3 families for lv1 and 6 families for lv2.

Minor Changes:

• Removed optimization where only every nth plant affected the fertility values due to display errors.
• Improved accuracy of fertility overlay colors and crop yield predictions.
• Added missing tooltips to minomajor trades.
• Enabled setting "trade rule" for advanced trades without an established route; items not available will show as NA.
• Reworked the construction reserve system to include various goods like planks.
• Optimized inventory array functions.
• Enabled disallowing certain families or workplaces from setting up market stalls.
• Tuned how "current region" is calculated in the UI for more comfortable building on the edge between two player-owned regions.
• Ensured iron and clay deposits do not generate on steep terrains.
• "MODDED" may now display after the version number to aid bug reporting.

Crash Fixes:

• Fixed a crash related to deleting a building when pathfinding obstacles are being verified.

Bug Fixes:

• Addressed issues with employed traders going to trade points without an open trade route.
• Corrected early movement of farm workers to transport tasks despite available crops.
• Resolved inaccurate predicted yield displays.
• Fixed rotation issues in villagers after dismounting.
• Addressed respect of work area limits by farming oxen.
• Fixed blurry appearance of gilded aventail houndskull helmets in the retinue editor.
• Corrected non-drawing of the forest mask.
• Fixed bandit camps respawning on loading due to unsaved "lastBanditCampSpawnedDay."
• Ensured villagers set up market stalls to sell their produce like vegetables.
• Corrected the wrong apple basket carry animation.
• Fixed wealth transfer issues during barter.
• Ensured bartering traders return the correct number of items based on barter value and carrying capacity.
• Addressed overpacking by bartering traders in their origin region.
• Resolved trading post exports not proceeding after the trader reaches the destination.
• Corrected the distribution of multiple instances of the same good type to a single plot, which left outlying houses undersupplied.
• Fixed crop rotation to fallow causing farmers to harvest invisible itemID_0, which stopped supply dumps from being cleared.
• Addressed issues with villagers staying at homes indefinitely if a bandit camp is spawned, thinking the region is under attack.
• Ensured proper saving of mercenary company arrival regions.
• Stopped granary workers from stealing ale from the tavern.
• Fixed interrupted livestock exports due to sheep herd behavior.
• Ensured livestock trader jobs trigger import tasks when buying livestock from another region.
• Corrected the missing "hunger" popup artwork.
• Fixed a typo in the credits list.

Cosmetics:

• Tuned field dirt UV wiggle to make the huge vegetable gardens less wavy.
• Improved the precision for snapping terraforming meshes like mines or sawpits to the ground.
• Made leaf clumps smaller and disabled the parallax mapping to reduce distortions.
• [WIP] Updated the visit mode character model for the green lady portrait to be female, still in progress.
• Cleaned up combat animations.

Thank you for playing!
Greg Styczeń, Lead Developer, Slavic Magic

ramble rant incoming.
there’s so much going on rn i don’t even know where to start. i guess i’ll start with i hate my job. it’s horrible, the shifts that can start at 5:30 or end and 22:30. i can’t get into a routine of waking up at 4am for an early and then the next day it’s a late i just can’t do it. I’m paid minimum wage doing a job that’s physically demanding and exhausting. It makes me anxious and depressed and doesn’t even pay me well.
I’m being chased for a lot of money from a debt collection agency for a university course i did for 6 days and then told them i wasn’t happy and was leaving. i’m hoping this gets sorted but honestly i don’t know what to do with that.
I’m being chased for council tax due to them only just valuating my new flat. which tbh i think i’ve sorted a payment plan now and it should be okay but that’s like £200 extra a month now i’m paying and don’t have.
every job i apply for says no, i was so set on one that i got quite far into and then yesterday they said i didn’t get through to the next stage :(, honestly i’ve felt so incredibly down since then.
I recently got a kitten at the start of this month and she won’t stop having diarrhoea, it started before her insurance started so it’s costing me so much money as well. And the whole flat just feels like it’s covered in shit cause obviously it’s getting everywhere. im bored of deep cleaning.
my hair was blue and i decided i wanted to go back natural which has been a ball ache. i bleach bathed it, and then dyed it brown but it’s still green and omg that’s just not helping.
there’s just so many little life inconveniences too that keep adding to it and i can’t keep going like this, please tell me it will get better 😢.

I've been looking into this business model for a while now. My calculations are super primitive but assuming u make 1k/day with a profit margin of 20% u would be able to pay yourself a wage of 35k-45k a year after tax? This means u would have to make ~350k a year in revenue which sounds like a lot.
Is this somewhat accurate?
If you say the average order value is around 80 bucks (no clue how realistic that is) u would need to make around ~13 sales per day how realistic and achievable is that?
How realistic is it to make 1k/day revenue?
Whats the average/a realistic profit margin?