Late payment notice template

I M23 recently got matched with a girl F21. It was a weird profile but curiosity got the better of me. Since girls make the first move on Bumble she started the conversation with a "Hi" followed by a "Supp". Not sure how this could be a great conversation starter but I tried to initiate a conversation by checking her profile for her interests and BAM. We ended up talking about movies. In a great momentum of flirtatious conversation, I asked her out for a movie and she was astonished. But it backfired, Remember how you see some profiles with multiple people and assume one of them is the owner but look at some signs. That's where I made a mistake. I assumed the girl taking selfies in most of the pictures was the one using the profile. She asked me if I knew which one of the girls she was in the pics and I swiftly responded by mentioning the one taking the selfies. WRONG ANSWER!
She started being mysterious leading me to guess who she was and it went on for a while. Somehow we got to a point where I gave her my number and she called me, I wasn't able to pick up cause I had to go somewhere so I simply asked her to that I would be calling later on. Now, I am a tech guy, and somehow I got her details using her number, simply her profile picture, profession, vague address(Area), and more.
Well, I played along for a while cause we were having the same discussion about professions and stuff once we were on a call, and guess what we started playing an MCQ game and I guessed all the answers correctly (Cause I knew 🤷‍♂️). But it creeped me out because, on the first call, she demanded some attention, not directly but you get the idea when conversing. I do WFH and sleep late most of the time. Before she went to sleep she called me again before midnight, and I didn't want to take any immediate steps so I talked to her for a few minutes and got out of it.
The following day I didn't text since I wanted it to settle down automatically and till evening everything seemed fine. But then she video-called me again and I avoided the call. I don't like to ghost since I feel it's rude. The second option was the send her a text to clear things out but I was not sure what to say. I talked to one of my friends and he advised me to simply tell her what I assumed and how it's making me feel weird and that is what I did.
The text I sent her:
Hey I hope you are doing well I have been thinking about mentioning this since yesterday when we matched on Bumble I was under the assumption that your friend owned the profile i.e. my first guess. I found her cute. I am finding it weird to talk, cause of the way I assumed things previously. So I am not sure if I can move forward. Though I enjoyed the conversation and the vibe, I wish you the best moving forward. Thank you
Her response:
Okay Sorry for everything No issues Nice to meet u
Final Outcome: She blocked me immediately and unmatched me on the App 🤷‍♂️ (PS. I am okay with that)
Not sure if my response hurt her, offended her, or gave her a reality check but I am glad that I came out of this situation clean and square.
From my perspective, I swiped right based on the assumption I made that went wrong (I found the girl I assumed cute). Also, I noticed that in every picture she posted she was on the side and even partially trimmed in some. So initially it was nearly impossible for me to guess who she was. And why do I even need to play Russian Roulette on a dating app. Now some of you might wonder the reason I didn't want to move forward with her since at the end of the day she is a girl. Simply saying it felt like I was catfished by the way her dating profile was set and also she didn't seem very enthusiastic about her fitness (Not body shaming)...
I might have missed some details but if it clicked to someone I will try to add them.
Views?

This is a review post for upcoming Ninjago set. I don't have the set -and I won't buy it-, all of my information comes from the youtube channel Bricks by Mind. I don't have a review template, all of the topics are selected for this set. Before I start I want you to know Cole is my favorite ninja.
1- Minifigure I saw people get sad because there is only 1 minifigure for this price. I mean everybody would love to get more minifigure in their set. But in this one, I think it makes it more special to Cole. This set is only his and he deserves it. However I'm not a big fan of this version of Cole. In one of my recent posts I said I hate orange as secondary color to Cole. I didn't explain it in that post but I think orange is very bright to use with Cole. I mean it would be fine if they used it less (like dotd or drs1 suits) but he still is the black ninja. And this minifigure isn't a black ninja. Even if I considered this a separate minifigure, I don't think black, orange and white blend very well.
2- Articulation Damn this mech articulates well. It can take so many good poses and I would buy it just to display. There is nothing more to say, everyone knows this part would come. Also I loved the structure of ankles.
3- Mech Design Firstly, damn this mech is huge. I think this is the largest mech ninjago has. And they knew how to fill it (with joints). There is nothing more to say here. I think the most noticable part of this mech is its back-side-blades. Were they supposed to be wings? In the video Mind shows them flapping. Whatever they are I'm not a big fan of it. I think they are too small and too wide apart. back-side-blades of Lloyd's Titan Mech was better. This large sword is very good for this large mech. I talked about minifigure coloring now it's time for mech coloring. I still think bright colors for Cole is bad so I will think this coloring apart from Cole. I said black, orange and white didn't blend well for minifigure but for the mech, it is very good. Grey definitely helped black and white to mix. Orange is very well placed and gold is always nice to me. The reactor looking part in the middle is not bad. I would rather a larger torso like Cole's Elemental Earth Mech but it's fine. I like how you can see Cole's head and shoulders.
4- Price/Performance Price for this number of pieces is ok but I won't buy it. Other than it is expensive (100$), I would rather buy 100$ worth more smaller sets so I would get more minifigures.
And I guess that's it.

I've been thinking about empathy a lot lately. I have no problem understanding what someone is going through emotionally. I can put myself in their shoes and comprehend their perspective and feelings. However, I've noticed that actually feeling empathy for others, to the point of having an emotional response myself, is much rarer for me.
The only times I can remember truly feeling empathetic were when I could directly relate to the other person's situation. For example, when I called a woman at work who sounded very sick and told me she had cancer, it reminded me of a family member going through a similar experience with cancer. Hearing her vulnerability and pain brought tears to my eyes because I could viscerally connect with what she was going through.
But in most other situations, even when I fully understand someone else's difficulties, I don't necessarily feel for them in the same way. I'm able to be less judgmental and see where they're coming from, but the emotional component of empathy doesn't always manifest for me.
Is this a common experience, or am I the outlier? Do most people actually feel the emotions of others, or is empathy more about the cognitive understanding of their perspective? I'm curious to hear others' thoughts on the difference between understanding and feeling empathy.

So today I had my english term 1 exam and uh this morning i went to catch my school bus to go to school, but just before I got one, I felt like farting a little. Turns out, it was shit so some sht came out and was in my underwear. It was getting late so i couldnt go back, I caught school bus, and went to school. the shit was squished in my underwear, I hoped it wouldnt smell and it didnt. As the exam started,I tried to suck it back into my a** but eventually i forgot about it and only remembered it 2 hours later when i submitted my paper and got up to feel something wet in my underwear. I went out as fast as possible, found my friend who lived nearby and shared my school bus seat with him, and then I came home, pretended like nothing happened in front of my mom, grabbed an extra underwear and changed and cleaned the old one. My underwear looked clean tho, it was just wet idk how maybe the sucking worked. My mom didnt notice, she was too busy. I felt grossed out throughout the day but somehow it is all over now :)

So today I had my english term 1 exam and uh this morning i went to catch my school bus to go to school, but just before I got one, I felt like farting a little. Turns out, it was shit so some sht came out and was in my underwear. It was getting late so i couldnt go back, I caught school bus, and went to school. the shit was squished in my underwear, I hoped it wouldnt smell and it didnt. As the exam started,I tried to suck it back into my a** but eventually i forgot about it and only remembered it 2 hours later when i submitted my paper and got up to feel something wet in my underwear. I went out as fast as possible, found my friend who lived nearby and shared my school bus seat with him, and then I came home, pretended like nothing happened in front of my mom, grabbed an extra underwear and changed and cleaned the old one. My underwear looked clean tho, it was just wet idk how maybe the sucking worked. My mom didnt notice, she was too busy. I felt grossed out throughout the day but somehow it is all over now :)

I sent a goodwill request for several months of late payments that occurred in 2019 due to a family emergency and got the following response yesterday, "This email is an acknowledgment of receipt of your inquiry. A member from the Office of the President will be contacting you by email or telephone within 2 business days. If we are unable to reach you by phone, we will respond by mail within seven to ten business days."
In my request I did not dispute the late payments and took ownership in the fact that they were late and gave an explanation as to why, so I'm hoping I don't get the form letter response that they reviewed and varied my cr is accurate and that by law they cannot delete the payment history.
How should I take the above statement? I pray I'm not getting my hopes up and then get let down.

I received a notice that Wealthsimple loaned my shares and I can expect to see my payment in late June. I remember selecting the button to loan shares but didn’t really think much of it. Does anyone have any insight into this and what Imight expect. Didn’t find much info on the app. TIA

Landlord raised their rent + delivered the eviction notice “late”, so they have til the end of the month to clear out the place. 70% off sale to save them some heavy lifting. New Jersey location is unaffected (and is also where the cats are now).

I stopped breastfeeding about a year ago when my baby was 5-6 months old. Recently, I’ve been noticing some milk, just drops . Is it too late to try to relactate and breast feed again?

Hi everyone, longtime lurker, love this community and looking to improve this query so really appreciate you taking the time to check it out!
Please consider my 75,000 word thriller novel RN about a nurse whose shift is thrown into chaos when her hospital becomes the target of a drug heist.
Cora Moss thought she had seen it all, beginning her nursing career at the height of the AIDS epidemic in the ‘80s and coming out on the right side of the tumultuous COVID-19 pandemic. Now on the verge of retiring, Cora discovers that one of her assigned patients is a henchman working incognito for a criminal trafficking enterprise. He explains to Cora that she’s been targeted as a pawn in an elaborate crime-spree involving smuggling narcotics from the hospital. She’s given the length of her shift - twelve long hours - to strategically raid the med room of narcotics, then rob the pharmacy of their heavily guarded supplies without being noticed. The rules are simple: deliver the drugs or her patients won’t make it through the night.
Cora’s forced to navigate the sinister trap she finds herself in, where the safety of her patients, co-workers, and reputation are at the mercy of a calculated criminal enterprise. She relies on her experience and cunning instincts to fight back as only a nurse can: assessing the situation, diagnosing the problem, planning a solution, implementing interventions, and evaluating her results before it’s too late. One thing’s for sure: they picked the wrong nurse.
RN is my first novel blah blah blah
Thanks for reading!

We're in corp. im new to the job but im assigned to check government contributions. Upon checking sss, i noticed that there are ACTIVE employees who are not part of the current contribution list (for some reason... probs error ng previous staff) i checked and the employees have 10 unpaid months unbeknownst to my employer. So he asked me to see what i can do. AFAIK retroactive payments are not allowed, is there a way to still pay for the unpaid months kahit with penalty huhu kawawa naman yung employees, my employer is willing to fix the problem we just need to know how

I’m not good at being particularly open with many people, but I can be open to an extent/friendly on a basic level. But sometimes I meet people I feel I can open up to that bit more and would like to be closer with (non-romantic, I’m not interested in relationships) and I just don’t know how to do that. Like if someone were to say “open up, tell me what’s bothering you” I can do that to an extent because it’s clear, but I don’t know how to go about fostering closer friendships between others.
Eg at work - I work with some really lovely people who I feel I really trust and we all seem to have eachothers’ best interests and work well together as a great team. I feel I’ve become a lot closer to these people throughout this school year (I work in a school) and it’s really nice to have them around. They’ve been incredibly supportive of me and I’m openly very appreciative of that.
But I feel like there’s boundaries in friendship that I don’t know how to cross if that makes sense? Like I was thinking recently, and I notice a lot of people will go into others’ classrooms and have a chat first thing in the morning, often they’re all chatting and I’m on my own but I don’t know how I can just waltz on in there and say good morning and start a chat without just being awkward and it being like ‘why is she here’ although I know they’d be too nice to say that - I feel like maybe they have important things to catch up on and I don’t? And like today, one of the colleagues I get on well with was talking about a child getting in another’s personal space and demonstrating, nearly used me for the demo but then said something and used someone else instead - I feel like maybe she thinks the closeness would have made me uncomfortable when actually, when I feel comfortable with someone like I do her and the others, I like physical connection. She could very possibly suspect I’m autistic (undiagnosed and don’t talk about it) based on her knowledge from work and things I’ve shared online. But I feel I’m giving off the wrong signals, like I don’t want any more than necessary closeness, like I’m doing something wrong and I don’t know what? I feel like I’ve built up my relationships more with them a lot recently due to a situation where I had to report someone at work, and their unwavering help and support throughout that - but it was easier as it was a very black and white situation and they hold the same opinions that I do and were more than happy to support me.
It’s hard for me to say accurately, as the depression/generalised anxiety disordeOCD (these are diagnosed) have been acting up a lot lately and I don’t think the most recent meds I’m on have been working for me but there’s hurdles to jump before trying something different. But I feel so different and left out even though I think I’m just being unnecessarily sensitive and based on their attitudes towards me I feel like they don’t want me to feel that way at all.
Idk what I’m expecting by posting this. Replies, advice, listening, anything all welcome. Thanks for reading

I can’t believe I am doing this; turning to the internet and people I will never meet for advice. But here I am!
So my fiancé - 35F and I, 34M have been together for over four years now and we’re less than a month away from our wedding. However, the last almost month has been really tough for both of us; I’ve been dealing with a huge loss and her anxiety is absolutely through the roof.
We’ve been fighting almost constantly and there have been a few times she has shared thoughts about how worried she is about our future together and things we will have to work through, and everytime it’s something different - religion, family, career, compromise on both sides, our differences in sex drive, etc. I love her and want to have a life with her but it’s just so exhausting - it feels like no matter what, it’s always something lately. A pattern I’ve noticed too is when she brings something up that’s bothering her, it’s usually been on her mind for at least a week and she’s just been hiding it. So, her ability to mask her emotions and compartmentalize with such ease is very alarming to me.
I’m not sure really what I should do here. Again, I am in love with my fiancé, however I like to consider myself realistic as well and know that even though love is the most important thing (you shouldn’t marry someone if you don’t love them,) love in and of itself isn’t enough….at least I don’t think it is. I know that postponing might be an option, which I also want to avoid at all costs because if after so many years and things we’ve been through as a couple - will it really make a difference?
Any advice I’m open to because I want this to work so badly, but I’m too embarrassed to ask people in my life for help out of fear of judgment or embarrassment. I’ve found that there are countless resources for women that have either been in or are currently in this situation. But almost none for men.
What should I do?

So, I moved last year from a 3 bedroom house with 3 acres of land into a small 2 bedroom apt. This was a considerable downsize and I had to put the majority of my belongings into storage units. I have one large and one small unit that I have been renting for about a year. During that time, the owners of storage units have changed several times- leading to some confusion as to where to make payments, exact pricing (I've gotten several emails warning of lockout even though my payment was made, etc). However, whenever I have contacted owners, it has always been cleared up very easily. Until this month. My payment this month was about a week late, enough to accrue late charge but not for lockout. I received a text message from owners asking " do you still need your units?" To which I replied " Yes, I apologize for late payment. I am currently out of town but payment will be made on Friday if that's okay." I never got a response to that message and I made my payment when stated. However, when I got back into town, one of my units had lock cut off and almost everything had been taken. Approximately $10,000+ worth of belongings. The other unit wasn't harmed. However, several units were open with brooms and trash cans in front of them as if they had been cleaning them out. I called the owners first and explained what was happening and I was just told to call the police and make a report, which I did. Yet, I'm afraid I just lost everything I own and have no recourse. I am fairly sure the owners cut my lock off prematurely and may have taken my items but I have no way of knowing as they don't even have cameras on the property apparently. What can I do?
TL;DR : owners of storage unit cut lock off my unit prematurely and I have lost everything

I forgot to change my debit card when I got a new one in December shortly before a move and since rent is higher and other payments changed I didn’t notice that the gym wasn’t being deducted, partially since I hadn’t even gone since December. Fast forward to this month I realize I wasn’t charged and assumed I was dropped for not going in. Then my wife asked me to double check and I saw that I owed like 650$ and had never been informed about the non-payments. I can’t think of a single other membership or subscription based service that would not inform its member that they haven’t been payed since December. I know this is my error, but I still can’t believe that the company is so terrible at communication. I reached out to them and was given a run around before being granted no leniency. I’m a low-paid csulb lecturer and I’ll be losing a big chunk of my savings going into the summer. All my students tell me working out is great for mental health but this sure as hell isn’t. Anyways, if y’all are members or were members, check your accounts! Who knows how long they’ve been charging you. And as many of us know, the owner talks crap about and blames crime on Belmont shore street vendors, too.

If I run out or PTO, how do I use my UPT if need/want to take a shift off? I notice there’s no option under “Request time off” to use your UPT. Do you just not show up and let it get applied automatically? If so, what if you need to use it for multiple shifts? You can get fired if you no show 2-3 shifts in a row from what I remember. Summer is upon us and I have 52 hours of UPT, so I might as well make use of it. I’m never late and always have VTO or PTO to use so UPT is a mystery.

Hey there everyone. Never posted before, so please let me know if I’m breaking any rules. This is Nugget, he’s 7 and he’s been with us since he was 3months old. He’s had a rough ride this past year involving a month out in the wild, being moved across the country, getting a new cat sibling, multiple infections (on the chin/neck area) necessitating many vet trips and finally a multiple day/night stint at an animal hospital to relieve a blocked bladder. This has been quite the saga with all of these issues coming one after another starting with his time out in the wild followed quickly by the cross country move (we thought he was gone and then he came back about a week before we moved from Oregon to Wisconsin).
I can go into much more detail if anyone wants more information, but I thought I would start with a quick summary just to get to the point of this post- as you can see he has a noticeable bald spot on his belly that’s been there ever since we moved. At first I assumed it was due to age like the thinning patches above his eyes, but he was acting weird and he’s had bladder issues in the past, so I brought him in. It might important to note that he’d been urinating regularly with no signs of discomfort and no blood in the urine. I’d been monitoring closely because his last bladder incident had been when he was 3, and had been preceded by several days of noticeable blood in the urine along with clear discomfort in the litter box. Anyway, the vet informed me that the balding was due to overgrooming which is a sign of pain. They drew urine and found a lot of crystals but no bacteria and no blood. They flushed his bladder and sent us home. Less than 24hr later Nugget was fully blocked and unable to go, which prompted the 3day stay at the hospital where they catheterized him and cleaned him out. Ever since then he’s been acting more like himself than he has since returning from his outdoor adventure in Oregon, but as you can see the hair has refused to grow back. I have a Petcube monitoring the litter boxes, so I know he’s going normally and I haven’t seen any blood. I kind of assume that the stress from the last vet visit is what precipitated the full blockage (I understand this might be completely unfair to the vet, they’re nice people, I could be way wrong, I will add context below), so I figured I would put it before you fine folks to see if anyone has any ideas on what’s going on or suggestions on how to proceed?
Additional Possibly Relevant Information

• Nugget got out late June 2023, returned early August a week before we moved. His vet in Oregon found nothing concerning other than a few ticks. Behaviorally he was normal, he seemed extremely happy to be back.
  
• We drove my car to Wisconsin, it took 4 days, he did awesome in the car.
  
• Day one in our new place he killed a mouse and ate half of it. The next day we noticed a lump on his neck. Vet drained it (couldn’t say what had caused it) and gave us antibiotics. We went and lived at my in laws for two weeks and found a non-mouse infested apartment to live in. Nugget seemed to be doing great after the antibiotics.
  
• Lived in a tiny, crappy apartment for two months. Nugget hates the apartment and seems to be getting depressed😔. This is when we started to notice acne/bald patches and general irritation on his chin. Started treating with chlorhexidine.
  
• October we move into a house. Nugget loves it, seems to be thriving, even gets out one day while we’re at work and comes back as soon as we got home. Chin is looking much better.
  
• December we get another cat. Always felt like nug wanted a friend, he’s had long term roommates in the past that he got along with great, so far seems good.
  
• January he’s acting weird, sleeping and hanging in the basement, antisocial. This is when it all went down with the bladder. At the initial appt where they flushed him they found an abscess on his lip that they drained. Next day he’s hurting so I bring him to hospital where he spends the next few days. They culture the abscess and find it to be “pseudo staph intermedia“ (not 100% sure if that was it but they knew it to be some relatively innocuous bug so they weren’t concerned)
  
• Since then we’ve been cleaning his bowl/litterboxes religiously and he’s been much more like himself than he has been since we got to WI. Him and the new cat get along great, he’s even back to playing fetch
  
• He might have another abscess developing on his chin, I noticed some irritation yesterday when I was petting him there, seemed like a small bump was there today. That was another reason why I finally decided to make this post after thinking about it for so long.
  

So that’s pretty much the whole saga. Could all of this be related? Any advice or suggestions are more than welcome and very much appreciated. Thank you

I manage a small outsourced team as the "subject matter expert" (aka we work in editing/writing and I am the native English speaker set up to review the work of non-native English speakers). It is difficult because by nature these are the wrong employees for this role, but overall my team is pleasant and obviously trying their best. They often improve on a function, at least for a while, with proper training.
I can't figure out how to train one employee, though. Previously I had disciplinary issues with her: she'd log in late and leave early unannounced, would not respond to emails, often didn't appear at her scheduled meetings, and complained about everything. For the most part this is solved. However, her work is still a major concern. I feel like no matter what I do, the quality of her work does not improve. She's a fast worker, but reguarly makes mistakes in probably 80% of her work. I have ran through multiple training sessions with her and might see immediate improvement for the next couple of days, and then she's back to making the same errors. Or, more commonly, I notice she will edit correctly for the very first part of her task and then partway through will not have made any edits, or will have missed many, many errors that she correctly fixed previously in the same task. It has gotten to the point where I dread giving her an assignment because I know there is a high chance it will have to be re-done, and if it's complex at all then I have to skip over assigning it to her, even if that means asking someone else to work late--because she just can't do a complex task correctly.
I am not authorized to fire this employee as of right now and was told I instead need to fix the issue. She has been employeed here for over a year and is well aware of her role, and her peers that have been here for as long or less have higher quality work with less training. I don't know if she's lazy or genuinely unskilled in English, but in either scenario I do not know how to deal with her or train her any further. Does anyone have any advice? Particularly if you've worked with outsorced employees before?

Out there - Patreon (for all those curious or wanting to support :))
At the Beginning
Adventure Arc - Arc 2
Wilderness Arc - Arc 3
Academy Arc - Arc 4
Nobility Arc - Arc 5
Previously on Leveling up the World...
The ground kept disintegrating in a five-mile radius. The number of point and line attacks targeting Dallion was so great that even the domain itself had trouble keeping up to protect him. Spikes would injure dozens, occasionally killing one or two in the process, but that would do little to hinder the mass of steel.
The noble with the steel tendrils slashed through the air, sending hundreds of line attacks in one blow. While each was individually weaker than those of a normal person, together they were a serious threat. It didn’t help that they indiscriminately sliced through soldiers on their way. The countess had no value of human life, least of those belonging to her.
Splitting into instances, Dallion combined a vertical line strike with a multi attack.
​
ATTACK NEGATED
VALORR’s attack has been sliced in two.
Attack has no effect.
​
Dozens of red rectangles blinked in and out of existence, though even they proved unable to stop everything. The solution was for Dallion to fly higher into the sky, even though that would make him a prime target. At the same time, it also gave him the possibility to perform an area attack of his own.
Taking a deep breath, he did a spiral attack aimed at the archduchess, followed immediately by a magic music attack. It would have been better if he still had rays of destruction remaining, but most of the clay cylinders had already been used up, and Dallion didn’t want to risk venturing into his realm to make more.
As expected, hundreds of soldiers leapt in front of their nobles, performing an array of defensive line attacks. None proved strong enough to stop the spiral attack, but managed to slow it down so that the only thing that reached Priscord were drops of blood.
“I’ve over ten thousand, in case you’re counting,” she said in an amused voice. “And that’s without counting the reserves. But should you somehow manage to deal with them, the emperor has entrusted me with several legions as well.”
The boast made Dallion think. There seemed to be more beneath the spite. While ten thousand awakened was a massive army, it wasn’t the largest, and it definitely wasn’t worth bragging about. With the exception of the archbishop, all conquerors had armies in the millions. Not only that, but while she claimed that the emperor had entrusted her with his legions, there didn’t seem to be any cloud forts in the air.
“Then how about I take them at once?” Dallion whispered.
A wide patch of ground beneath the archduchess and her armies suddenly fell through, creating a deep pit. The armies in full plated armor scattered, in an attempt to escape, yet less than a thousand seemed to do so. The empress, in contrast, didn’t budge. The horse she had mounted remained floating in the air, as if nothing had changed. Not only that, but magic threads had also extended, keeping the two harpsisword nobles in the air as well.
Harp, what’s that? Dallion asked.
It’s not a creature I’ve seen, the nymph replied.
Having Vihrogon here would have been better, although Dallion strongly suspected that the creature had been created, or rather modified, like the crimson furies.
Taking no chances, Dallion quickly closed up the enormous pit. Before he could manage, however, thousands of soldiers flew up, filling the air. A few hundred were squished by the earth, slamming together, though not nearly as many as Dallion had hoped.
“Living armor,” he said. How come he hadn’t noticed that before? Whatever magic there was in the armors, it had to be hidden deep inside. “They’re a bit smaller than I remember them.”
“The original creators had a lot to compensate for,” Priscord replied. “I don’t.”
A new series of attacks filled the air.
In the blink of the eye, the entire space was filled with instances. Even if the common soldiers weren’t able to split into more than twenty, that made close to a quarter million facing three hundred.
A moment of shock went through Dallion, quickly replaced by a new sensation—the thrill of battle and the desire to defeat everything thrown at him.
The archduchess had covered all the angles: echoes to grant her minions strategy, artifacts to give them flight. It was also noticeable that despite their low levels, their speed was quite close to a hundred—another magic artifact or spell that had been cast. Even so, there was one thing that the woman had forgotten: a thousand people with a thousand separate skills couldn’t compare to one who could manage a combination of all, especially within his domain.
“Countess,” Dallion shouted, deliberately aiming to irk her. Red rectangles flashed non-stop as line attacks canceled each other constantly. “You’ve never been to the Academy, have you?”
“No.” The archduchess retained her cool. “I never considered it worth anything much, even when I gained my current title.”
“Let me tell you one thing…”
Of all the remaining buildings, books and scrolls flew out of the shelves. Like swarms of insects, they amassed, flying from all directions straight towards Dallion. It would be several minutes until all of them arrived on the scene, but that wasn’t of consequence, especially for what Dallion had in mind.
​
DOMAIN AWAKENING
​
Reality shifted. It didn’t shift just for Dallion. In less than a second, everyone in the real world was transported into the realm of his new domain. In many regards, things were no different than they had been before. Here, just as in the real world, Dallion maintained control over the realm. There were also a number of differences as well. For starters, Dallion’s feet existed here, as did a host of area guardians.
“Goldy, get her,” Dallion ordered.
The golden colossus emerged from the ground, dashing straight for the countess. In contrast to everyone else, its strength and speed were considerably faster, not to mention it was immune to spells.
Not in the least taken aback, Priscord snapped her fingers. All the armors of her soldiers—nobles included—burst, increasing tenfold. Apparently, the living armors were also blooming items as well. Being taken into the awakened realms had boosted their size and abilities to a considerable degree. How considerable, would soon be seen.
“You disappoint me.” Archduchess Priscord yawned. “Did you think that I wouldn’t have a counter for this? You think you’ll impress me by being a domain ruler? I’ve fought in such battles decades before you showed up.”
“That’s not the reason I brought you here.” Dallion attempted to complete a guard sequence, but the attackers didn’t let him, always disrupting it halfway through. “As I was saying, the Academy is probably the one place in the world that has the largest number of physical books.”
At that single moment, a spark of concern emanated from Priscord. She had grasped what Dallion was going for, and by all accounts it was too late to do anything about it.
Scholar skills combined with music, spell craft, and attack, releasing thousands of aether quills from the hundreds of thousands books and scrolls that existed in the realm. Like deadly hail they ascended on Priscord’s army on all sides. The outermost layers of the army tried to block the quills’ advance only to be drilled full of holes, like bullets drilling through a rotten scarecrow. And best of all, Dallion didn’t have to worry about the colossus guardian, since they didn’t affect him in the least.
​
TERMINAL HIT
Dealt damage is increased by 1000%
​
TERMINAL HIT
Dealt damage is increased by 1000%
​
TERMINAL HIT
Dealt damage is increased by 1000%
​
Red rectangles filled the air like a sea of red. There were so many of them that they covered the entire sky, making it seem like a crimson sunset.
The sudden change in circumstances had forced a large part of the army to shift. Even with their boost, they still had to deal with the colossus, while also protecting Priscord from the aether quills. The momentary chaos created a single opening.
The harpsisword seemed to move on its own, slicing through two soldiers that blocked his way. The spark covered edge went through the massive armor as if it were butter, causing it to blast from the inside.
​
TERMINAL HIT
Dealt damage is increased by 1000%
​
TERMINAL HIT
Dealt damage is increased by 1000%
​
Two red rectangles emerged, after which the soldiers vanished as they were thrust back into the real world, their awakening powers sealed. That wouldn’t get rid of the echoes inside then, but at least made Priscord vulnerable here.
Thrusting his aura sword forward, Dallion cast a series of magic circles. Aether shards began shooting out, while chains targeted the nobles protecting the archduchess. To further cut off her support, Dallion pulled up the ground surrounding her, creating high cliffs. Unlike the other terrain changes in the realm, no one would dare attack these with line attacks out of fear of harming her. At this point, only one unknown remained—the horse.
Three of the nobles flew at Dallion, attacking him with their special weapons. Their armors, too, had blossomed into more elegant versions of living armor.
Bursting into instances, Dallion evaded the tendril sword’s attacks. At the same time, Gem flew in to meet the ax of another attacker head on. A loud cling resonated, pushing the aetherfish back, though by no means diminishing its determination. Meanwhile, Lux transformed the weapon he was inhabiting from a pair of bows to a crossbow, firing bolts of light at the third noble like a machine gun.
“Good work, guys,” Dallion whispered as he flew past, continuing towards his target.
I could take care of them easily, Gleam said, itching for blood.
I need you to keep an eye on Aqui, Dallion insisted.
She’s a great dragon! Even if she’s a cow, killing her won’t be easy.
Keep an eye on Aqui, Dallion said in a firm tone that quickly ended all protests.
A short distance away, the two nobles had combined their music skills, creating a shield around Priscord. Their skills were impressive, though nowhere near anything he’d seen in the former House Elazni. It was a novel use of their powers, though. Dallion made a note to experiment using in the future.
“Move away!” He shouted, using his own music skills, combining it with magic. His own music strands tore through the defensive mesh, striking both of the nobles.
​
PERMANENT EFFECT - PARALYSIS
IHIJON has been rendered incapable of movement for 20 minutes.
The status continues to be in effect in the real world.
​
PERMANENT EFFECT - PARALYSIS
AVIRA has been rendered incapable of movement for 20 minutes.
The status continues to be in effect in the real world.
​
That’s two down, Dallion thought, tightening his grip round the hilt of the harpsisword. Only one left.
Splitting into fifty instances, he unleashed a spiral attack right at the archduchess. His expectation was that the horse would transform into something and block the attack. No such thing happened.
Priscord herself leaped off the creature’s back. A one foot dagger appeared in her hand with which she slashed the air, performing a line attack.
​
ATTACK NEGATED
Your attack has been sliced in two.
Attack has no effect.
​
Huh? Dallion instantly performed a series of line attacks.
This was the first time he’d seen a spiral attack be stopped and in such an effortless way. There was no way this could be due to Priscord’s strength. Even if he wasn’t able to see her white rectangle, the woman’s traits were well beneath the hundred. If nothing else, she wasn’t an otherworlder and thus subject to limitations. It had to be some artifact she was wearing.
“Admiring my weapon?” the woman asked, as she kept on negating Dallion’s attacks. “It’s a nice trinket given to me by the emperor. One of several.”
“So, it’s your trinkets versus my trinkets?” Dallion asked, taking the opportunity for a music attack. To his surprise, the harpsiswords held by the paralyzed nobles played on their own, negating it as well.
“Yes.” The dagger glowed purple. “That’s precisely it.”

Tried searching for BINI content on YT last March kasi yun talaga una kong tinitignan whenever I start stanning a group. But I noticed sobrang liit lang ng content aside sa roadtrip adventures nila. Thank God for those Kumu replays we get to see their raw and candid moments. Big factor din yun sa popularity nila ha. Most bini core/funny clips sa Tiktok doon talaga nakukuha. Pero wala talagang consistent content lately that would capture how fun and entertaining these girls are.
The best way to milk their peak rn is to produce a variety/reality show talaga. Yung mala Going Seventeen or Treasure Map na theme where they have a concept/play a game each episode. Para makalaro naman sila ng ibang games aside sa Who’s Most Likely To hahaha. Or yung Blackpink House type talaga where balik ulit sila sa isang bahay or sa PBB House na tinirhan nila dati, where they stay for a few days as housemates ni Kuya naman this time (good promotion din to sa new PBB szn lol).
A reality show is less demanding than that though knowing na sobrang busy pa nila these days. Like cameras will follow them lang. Shoot the behind the scenes, like how they prepare every gig especially yung upcoming concert nila. I’ve seen from Alamat’s channel and dami nilang BTS content especially yung recording videos nila which I really like. No need naman heavy editing basta makuha lang yung rawness how they are backstage. Matagal na tong hinihingi ng mga Blooms and I hope their management is really thinking of producing one.

So I have two kids, born in 2020 and 2022 respectively, and I am planning to open RESPs for them and maximize the earning potential for it.
As I am a bit late in the game, I would need to do some catchup (4 years for a 2020-born, and 2 years for a 2022), which as I understand, can be done only one year at any single year. Also, it makes sense to contribute as much as possible up to 50K per child, but hold on some contributions to later years to take advantage of the grants.
In this table 'min' represents the payment to get the current year's grant, catch up for catching up the previous year's grant, and extra is everything on top of the payments needed to get the full $7200 per child in grants.

1. Did I calculate the number of catch up years correctly? Does the year of birth count?
2. Do I understand it correct that $36K must be spread along the years to get the $7200 grant and $14K can be contributed at any time (the earlier, the better, of course, and not necessarily as a lump sum)?

https://preview.redd.it/xvmgq3aift1d1.png?width=2690&format=png&auto=webp&s=50a0caf5260ec66e5eb7f3cb89619ccf7f9e8c13